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All Journal El-Qist : Journal of Islamic Economics and Business (JIEB) Indonesia Auditing Research Journal Amal: Jurnal Ekonomi Syariah Mangente: Jurnal Pengabdian kepada Masyarakat IJEIRC Jurnal Intelek Dan Cendikiawan Nusantara
Afdhal Yaman
IAIN Ambon
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Diversifikasi Pendanaan: Dampak pada Kinerja Bank Umum Syariah di Indonesia: Funding Diversification: Impact on the Performance of Islamic Commercial Banks in Indonesia Afdhal Yaman; Mohammad H. Holle
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 12 No. 1 (2022): el-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2022.12.1.96-110

Abstract

Abstract: The implementation of the diversification strategy carried out by banks and how it impacts performance has become an exciting issue for academics and management practitioners to discuss because the final result of implementing the strategy is still debatable whether it can bring benefits or otherwise harm banking performance. Islamic banks, as banks that are still in the stage of development, have more significant potential to benefit from implementing a diversification strategy. This study aims to examine the effect of diversification on the performance of Islamic commercial banks in Indonesia, especially funding diversification during the 2010-2020 period. Sources of data were obtained from the official website of the Financial Services Authority www.ojk.go.id, and every Islamic commercial bank. Panel data analysis was used to regress the variables in this study. The cost to income ratio (BOPO) represents cost efficiency as a proxy for measuring the performance of Islamic commercial banks. The size of the bank, which is interacted with the diversification of funding, is used as a moderating variable. This study shows that the effect of funding diversification on Islamic commercial banks is positive and significant, and there is an interaction between bank size and funding diversification that affects the performance of Islamic commercial banks in the opposite direction. Keywords: Diversification; Adjusted Hirshmann-Herfindahl index; Cost-efficiency.   Abstrak: Penerapan strategi diversifikasi yang lakukan oleh perbankan dan bagaimana dampaknya terhadap kinerja telah menjadi isu yang menarik bagi para akademisi maupun praktisi manajemen untuk dibahas karena hasil akhir dari penerapan strategi tersebut masih diperdebatkan apakah dapat membawa manfaat atau sebaliknya berdampak negatif terhadap kinerja perbankan. Bank syariah sebagai bank yang masih dalam tahapan untuk berkembang memiliki potensi yang lebih besar untuk memperoleh manfaat dari penerapan strategi diversifikasi. Tujuan dari penelitian ini adalah menguji pengaruh diversifikasi terhadap kinerja bank umum syariah di Indonesia khususnya diversifikasi pendanaan selama periode tahun 2010-2020. Sumber data diperoleh dari laman resmi Otoritas Jasa Keuangan www.ojk.go.id dan setiap bank umum syariah. Analisis data panel digunakan sebagai metode dalam meregresi variabel-variabel pada penelitian ini. Rasio biaya terhadap pendapatan (BOPO) merepresentasikan efisiensi biaya sebagai proksi pengukuran kinerja bank umum syariah. Ukuran bank yang diinteraksikan dengan diversifikasi pendanaan digunakan sebagai variabel moderasi. Hasil penelitian ini memperlihatkan bahwa pengaruh diversifikasi pendanaan terhadap bank umum syariah adalah positif signifikan dan terdapat interaksi antara ukuran bank dengan diversifikasi pendanaan yang memengaruhi kinerja bank umum syariah secara berlawanan. Keywords: Diversifikasi; Adjusted Hirshmann-Herfindahl Index; Efisiensi Biaya.
Analisis Kinerja Keuangan pada Rumah Sakit PKU Muhammadiyah Yogyakarta: Pendekatan Value for Money dan Rasio Keuangan Afdhal Yaman
Amal: Jurnal Ekonomi Syariah Vol 4, No 01 (2022)
Publisher : IAIN Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (370.914 KB) | DOI: 10.33477/eksy.v4i01.3220

Abstract

AbstractPKU Muhammadiyah Yogyakarta Hospital is one of the public service agencies in terms of health services located in the city of Yogyakarta. Although the main goal of the PKU Muhammadiyah Yogyakarta hospital is to provide health services to the community and is non-profit, this does not mean that the hospital does not have financial goals at all. This depends on the condition and the amount of hospital operating expenses. If the hospital's financial management does not run well, the need for the carrying capacity of health services will be disrupted. Finance is one of the factors that influence the development of health services. The purpose of this study was to determine the financial performance of PKU Muhammadiyah Yogyakarta Hospital assessed using the value for money approach and financial ratios. Sources of data used in this study using secondary data obtained from the financial statements of PKU Muhammadiyah Yogyakarta hospital and related literature. The research method used is descriptive-analytical. The financial performance assessment was carried out using the value for money calculation method and the hospital's financial ratio analysis on the 2012-2013 financial statements. The results of this study indicate that in terms of the concept of value for money including economic ratios, efficiency ratios, and effectiveness ratios, the overall performance of PKU Muhammadiyah Yogyakarta Hospital is classified as good. The hospital's performance is also in good condition because it can increase net profit from the activities it operates.Keywords: Financial Performance, Value for Money, Financial Ratio AbstrakRumah sakit PKU Muhammadiyah Yogyakarta merupakan salah satu badan layanan umum dalam hal jasa kesehatan yang terletak di kota Yogyakarta. Meskipun tujuan utama rumah sakit PKU Muhammadiyah Yogyakarta adalah memberikan pelayanan kesehatan kepada masyarakat dan bersifat non-profit, ini tidak berarti bahwa rumah sakit sama sekali tidak memiliki tujuan keuangan. Hal ini tergantung pada kondisi dan besarnya belanja operasional rumah sakit. Apabila pengelolaan keuangan rumah sakit tidak berjalan dengan baik, maka kebutuhan akan daya dukung pelayanan kesehatan akan terganggu. Kenyataannya, keuangan menjadi salah satu faktor yang mempengaruhi perkembangan pelayanan kesehatan. Tujuan dari penelitian ini adalah mengetahui kinerja keuangan rumah sakit PKU Muhammadiyah Yogyakarta dinilai dengan menggunakan pendekatan value for money dan rasio keuangan. Sumber data yang digunakan dalam penelitian ini menggunakan data sekunder yang diperoleh dari laporan keuangan rumah sakit PKU Muhammadiyah Yogyakarta dan literatur-literatur yang berhubungan. Metode penelitian yang digunakan adalah metode deskriptif analitis. Penilaian kinerja keuangan dilakukan dengan metode perhitungan value for money dan analisis rasio keuangan rumah sakit atas laporan keuangan tahun 2012-2013. Hasil penelitian ini memperlihatkan bahwa ditinjau dari konsep value for money meliputi rasio ekonomi, rasio efisiensi, dan rasio efektivitas secara keseluruhan kinerja RS PKU Muhammadiyah Yogyakarta tergolong baik. Kinerja rumah sakit juga dalam keadaan baik karena mampu meningkatkan laba bersih dari kegiatan-kegiatan yang dioperasikannya.Kata Kunci: Kinerja Keuangan, Value for Money, Rasio Keuangan
ANALISIS DANA PIHAK KETIGA DAN SHOCK VARIABLES SELAMA PERIODE PANDEMI PADA BANK UMUM SYARIAH DI INDONESIA Afdhal Yaman
Amal: Jurnal Ekonomi Syariah Vol 4, No 02 (2022)
Publisher : IAIN Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (353.551 KB) | DOI: 10.33477/eksy.v4i02.4013

Abstract

AbstractDuring the Covid-19 pandemic period, Islamic commercial banks faced growth constraints in receiving and accumulating third-party funds. So it is necessary to observe the factors that influence the growth of DPK. The purpose of this study is to examine external factors in the form of macroeconomic indicators that can affect the growth of third-party funds for Islamic commercial banks in Indonesia. This study used a quantitative research method, the data used were secondary data with a time series type for the period January 2020 - August 2022 and were analyzed using the Vector Auto Regression (VAR) method. The results of this study indicate that the BI Rate has no significant effect on third-party funds. Meanwhile, inflation has a negative and significant effect on the third-party funds of Islamic commercial banks in Indonesia.Keywords: Third-Party Funds, Shock Variables, Sharia Commercial Banks AbstrakSelama periode pandemi covid-19, bank umum syariah menghadapi hambatan pertumbuhan dalam menerima dan menghimpun Dana Pihak Ketiga (DPK). Sehingga perlu diamati faktor-faktor yang berpengaruh pertumbuhan DPK. Tujuan dari penelitian ini adalah untuk menguji faktor-faktor eksternal berupa indikator makro-ekonomi yang dapat memengaruhi pertumbuhan DPK bank umum syariah di Indonesia. Penelitian ini menggunakan metode penelitian kuantitatif, data yang digunakan adalah data sekunder dengan tipe runtut waktu (time series) periode Januari 2020 - Agustus 2022, dan dianalisis dengan menggunakan metode Vector Auto Regression (VAR). Hasil penelitian ini menunjukkan bahwa BI Rate tidak memiliki pengaruh yang signifikan terhadap DPK. Sedangkan inflasi memengaruhi secara negatif dan signifikan terhadap DPK bank umum syariah di indonesia.Kata Kunci: Dana Pihak Ketiga, Variabel Guncangan, Bank Umum Syariah
Menjembatani Teori Dan Praktik: Pemberdayaan Mahasiswa Manajemen Melalui Workshop Metodologi Penelitian dan Skill-Building Arizal Hamizar; Fadli Fendi Malawat; Afdhal Yaman; Muammar Wijayanto Maruapey
MANGENTE: JURNAL PENGABDIAN KEPADA MASYARAKAT Vol 3, No 1 (2023): PELATIHAN BERBASIS TEKNOLOGI, PENINGKATAN KAPASITAS GURU, KETAHANAN KELUARGA, DA
Publisher : IAIN AMBON

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/mangente.v3i1.5412

Abstract

This study depicts the implementation of community engagement in the form of a research methodology writing workshop in the field of management. The workshop aims to provide an in-depth understanding of quantitative and qualitative research methodologies to participants. An interactive approach is utilized by presenting materials from two expert speakers in the field. The workshop comprises three sessions, with the first session discussing quantitative research methods, the second session addressing qualitative research methods, and the third session involving participants in creating a mini research project using one of the methods. The results indicate that the workshop successfully enhances participants' comprehension and skills in designing, conducting, and analyzing research in the field of management. The workshop offers an opportunity for participants to integrate theory with practice and develop critical and analytical thinking skills. Additionally, the workshop lays a robust foundation for the development of research competence and professionalism among participants in the business and management realm.Keywords: Management, Workshop, Research Methodology.
CHALLENGES IN REGULATION AND OPPORTUNITIES IN SHARIA FINANCIAL MANAGEMENT Arizal Hamizar; Jacsy Tubalawony; Afdhal Yaman; Kamaruddin
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 1 (2024): FEBRUARI - MARET 2024
Publisher : PT. Intelek Cendikiawan Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to explore the fundamental concepts of Islamic finance management, its principles, sources of funding, as well as Sharia financial products and innovations available from a theoretical perspective based on related literature. The study also discusses the changing global economic context, the complexity of Sharia financial regulations and standards, and the challenges and opportunities faced in the development of products, human resource education, and social and environmental responsibilities. The research findings indicate that Islamic finance management faces complex challenges and opportunities in dealing with the current dynamics of the global economy. The adoption of information technology and digital innovation has opened up new opportunities to enhance accessibility, operational efficiency, and customer experience in the Islamic finance industry. However, challenges such as regulatory complexity and standards, as well as the need for skilled human resources in Islamic economic principles, remain a primary focus in ensuring the growth and sustainability of the Islamic finance industry.
Integrating Green Accounting Into Marketing Strategies For Sustainability Brand Image Among Gen-Z Consumers Arizal Hamizar; Jacsy Tubalawony; Afdhal Yaman; Muammar W Maruapey
Indonesia Auditing Research Journal Vol. 13 No. 1 (2024): March: Auditing, Finance, IT Plan, IT Governance, Risk
Publisher : Institute of Accounting Research and Novation (IARN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/arj.v13i1.234

Abstract

This research aims to explore how Generation Z responds to green accounting practices and its impact on brand image, as well as to formulate appropriate marketing strategies based on these findings. The research method employed is qualitative with a phenomenological approach. Data were collected through in-depth interviews, and data analysis was conducted using a thematic approach to identify thematic patterns emerging from interviews and observations. The results of the study indicate that Generation Z responds positively to green accounting practices, considering it a key differentiator in brand selection. The implementation of green accounting has a positive impact on brand image, with respondents perceiving companies adopting green accounting practices as pioneers and leaders in conducting business responsibly. Subsequently, based on the research findings, formulating marketing strategies that consider sustainability values becomes crucial in meeting the preferences and expectations of Generation Z
THEORETICAL EXPLORATION OF DATA-DRIVEN DECISION-MAKING IN DIGITAL MARKETING Arizal Hamizar; Afdhal Yaman; Mohammad H Holle
International Journal of Economic Integration and Regional Competitiveness Vol. 1 No. 3 (2024): International Journal of Economic Integration and Regional Competitiveness
Publisher : PT ANTIS INTERNATIONAL PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/ijeirc.v1i3.60

Abstract

In the rapidly evolving landscape of digital marketing, the utilization of data-driven decision-making strategies has become imperative for organizations to stay competitive. This study employs a theoretical exploration methodology to investigate the intricate dynamics of data-driven decision-making in digital marketing. Through a systematic review and analysis of existing theories, concepts, and frameworks, the research aims to construct a comprehensive understanding of the theoretical underpinnings guiding decision-making processes in the digital marketing domain. Key theoretical constructs and models relevant to data analysis techniques, consumer behavior, market trends, and marketing strategy formulation are critically evaluated to elucidate the conceptual foundations of data-driven decision-making. By synthesizing insights from multiple disciplines, including marketing, information technology, and decision sciences, the study develops an integrative theoretical framework that provides a nuanced understanding of the complexities inherent in contemporary digital marketing practices. The findings contribute to the advancement of theoretical knowledge in the field and offer valuable insights for both academia and industry practitioners seeking to leverage data-driven approaches in their marketing strategies.
Co-Authors Arizal Hamizar Fadli Fendi Malawat Jacsy Tubalawony Jacsy Tubalawony Kamaruddin Mohammad H. Holle Muammar W Maruapey Muammar Wijayanto Maruapey