Tujuan Penelitian – Penelitian ini mencoba untuk mengetahui pengaruh Good Corporate Governance terhadap keputusan manajemen perbankan dalam operasional bank yang mengandung risiko dan dinamika perbankan dalam menyalurkan kredit.Desain/Metodologi/Pendekatan – Variable Corporate Governance diukur menggunakan indicator rapat direksi, gaji dan remunerasi, komite remunerasi, komite nominasi, komite audit dan dewan direksi. Variable risk-taking diukur menggunakan indicator non-performance loan dan z-score. Variable business dynamic diukur menggunakan indicator fee-based income dan loan to deposit ratio. Metode yang digunakan dalam penelitian ini adalah metode Partial Least Squares untuk membantu analisis hubungan antara variable dan indikatornya. Data yang digunakan dalam penelitian ini adalah data sekunder berdasarkan laporan tahunan 2016.Temuan – Hasil pengujian mendapatkan adanya pengaruh positif dan signifikan tingginya indek GCG terhadap keputusan operasional mengandung risiko dan pengaruh tidak signifikan terhadap dinamika bisnis bank terutama terkait dengan keputusan pemberian kredit dan menentukan penyaluran berbasis bunga ataupun non bunga. Keberadaan komite audit, komite remunerasi, besaran gaji dan remunerasi direksi sangat menentukan arah kebijakan perbankanKeterbatasan Penelitian – Penelitian memfokuskan pada kajian mengenai tata kelola, manajemen risiko, dan dinamika bisnis bank.Originality/Value: - Keterbatasan penelitian ini adalah hanya terbatas pada perbankan konvensional, tahun pengambilan sampel dan masih sedikitnya indicator untuk variable risk-taking dan dinamika bisnis.
Pendidikan literasi keuangan syariah merupakan bentuk pemahaman masyarakat akan keuangan syariah sehingga mampu mengelola keuangan dengan bijak. Pendidikan literasi keuangan harus dimulai dari anak-anak usia dini hingga dewasa yang salah satunya adalah pendidikan literasi bagi siswa atau santri tingkat sekolah menengah. Pendidikan literasi keuangan bagi santri ini dilakukan melalui penyuluhan materi tentang produk-produk lembaga keuangan syariah. Hasil penyuluhan ini menunjukkan adanya peningkatan pemahaman santri atas lembaga keuangan syariah dan ruang lingkupnya yang dibuktikan melalui evaluasi pre dan post-test
Fintech (financial technology) adalah inovasi di bidang jasa keuangan yang sedang tren di indonesia. Fintech memberikan pengaruh kepada masyarakat secara luas dengan memberikan akses terhadap produk keuangan sehingga transaksi menjadi lebih praktis dan efektif. Tujuan dari kegiatan pengabdian ini untuk memberikan pemahamaan tentang manfaat dana elektronik non tunai dan simpan pinjam financial technology, memberikan pemahamaan tentang terjadinya beberapa kasus penipuan melalui pinjaman financial technology, memberikan pengetahuan tentang beberapa aplikasi dana elektronik non tunai kepada masyarakat. Metode kegiatan penyuluhan dimana terdapat ceramah, tanya-jawab dan evaluasi. Hasil kegiatan adalah pemberian pemahaman kepada masyarakat atas kemajuan teknologi termasuk teknologi transaksi keuangan sangat membantu masyarakat untuk menggunakannya secara bijak, sehingga kehadiran teknologi ini dapat memberikan manfaat yang besar dan terhindari dari risiko yang dapat menyebabkan kerugian bagi masyarakat.
<p><em>One of the economic sectors hardest hit by the Covid-19 in Indonesia is MSMEs. </em><em>During the Covid-19 pandemic, business capital assistance is urgently needed by MSMEs to keep running. Mudharabah and musharakah are Islamic banking financing products explicitly aimed at business needs and investment in the real sector, such as MSMEs</em><em>. Therefore, a more in-depth quantitative analysis is needed regarding the role of mudharabah and musharakah contracts on MSMEs financing during the Covid-19 using panel data regression techniques, with a monthly observation period from March 2020 to May 2021 for all Islamic banking in Indonesia. With the Fixed Effect Model approach, it was found that the mudharabah and musharakah contracts statistically had no significant effect on MSMEs financing during the Covid-19. The conclusion is that during the Covid-19, there was an increase in MSMEs financing with mudharabah contracts, but it was not significant. In contrast, the musharakah contract did not increase the contribution to MSMEs financing.</em></p>
Abstract. Introduction. Islamic finance can play an important role in encouraging economic growth in Indonesia, namely by financing the real sectors. The role of Islamic banking in providing capital assistance for real sectors is one of the locomotives of economic growth in Indonesia. This research will focus on financing strategic sectors to support the development of a higher and more competitive economy. So that it is known which sectors have played a major role in boosting Indonesia’s economic growth. The sectors to be studied are agriculture, mining, construction, industry, electricity, gas and water in Islamic banking. This study uses descriptive and quantitative analysis using Eviews 9 to simplify data calculations and estimation and using time series data with Ordinary Least Square Approach. Purpose. This research is conducted to investigate the impact of Islamic bank financing on agriculturer sector, mining, industry, electricity, gas and water supply and Construction sector to Indonesia economic growth over the period 2011Q1 -2019Q4. Results. Based on the results of data processing, it is known that Islamic banking financing in the agricultural sector, mining, electricity, gas and water and conctruction sector has a positive effect on economic growth. Meanwhile industrial sector in Islamic banking does not have a significant effect on economic growth. An increase in industrial sector financing by 1 percent is able to reduce GDP by 0.46940 percent. Conclusion: This estimation shows R-Square value is 98 percent influenced by variable financing in the agricultural sector, mining sector, industrial sector, electricity sector, gas and water and the construction sector, while the remaining 2 percent is influenced by other variables outside the model. The agriculture, mining, electricity, gas & water and construction sectors have a positive influence on economic growth. Meanwhile, the industrial sector has a negative influence on economic growth. Keywords: economic growth; Islamic banking; sectoral financing; Ordinary Least Square.
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