Pandemi telah mempercepat transformasi digital di semua industri, termasuk lembaga keuangan. Kemunculan fintech dan bank digital telah memperkuat pentingnya menyediakan layanan perbankan digital yang mudah, tidak merepotkan dan nyaman terutama oleh bank tradisional. Perkembangan teknologi digital telah merubah pola kebiasaan masyarakat dalam menggunakan layanan perbankan termasuk perbankan syariah. Hal ini terlihat dari peningkatan jumlah produk bank syariah dengan menggunakakan layanan digital dalam rangka memberikan pelayanan terbaik untuk memenuhi ekspektasi masyarakat. Penelitian dilakukan dengan menggunakan metode kualitatif deskriptif yaitu dengan menguraikan dan menganalisis data dari hasil temuan di lapangan yang terdapat pada sumber yang diterbitkan instansi yang berwenang dan peneltian sebelumnya. Penelitian ini menghasilkan kesimpulan bahwa layanan perbankan digital yang dipasarkan oleh bank syariah merupakan upaya mewujudkan produk bank syariah lebih kompetitif sehingga dapat meningkatkan inklusi keuangan syariah di masyarakat.
Penelitian bertujuan menganalisis pengaruh indikator makroekonomi terhadap kinerja keuangan bank syariah di tengah kondisi pandemi Covid-19. Indikator makroekonomi yang digunakan adalah inflasi, suku bunga, Indeks Harga Saham Gabungan (IHSG) dan nilai tukar Rupiah terhadap Dolar Amerika. Objek penelitian menggunakan rasio komposit 14 Bank Syariah di Indonesia yaitu, rasio CAR, NPF Net, BDR, ROA, NOM, BOPO, FDR dan STM. Rasio tersebut dinilai mampu menginterpretasikan aspek permodalan, kualitas aktiva produktif, rentabilitas dan likuiditas bank syariah. Data berupa time-series bulanan Januari-November 2020, sehingga diperoleh 132 objek observasi, pengolahan data menggunakan metode regresi linier berganda. Hasil regresi parsial diperoleh output inflasi dan suku bunga berpengaruh signifikan terhadap NPF Net, ROA, NOM, BOPO dan STM, serta indikator IHSG berpengaruh signifikan terhadap BDR. Berdasarkan regresi simultan diperoleh hasil variabel independen berpengaruh signifikan terhadap NPF Net (kualitas aktiva produktif), dan seluruh rasio faktor rentabilitas (ROA, NOM dan BOPO) serta rasio STM (likuiditas). Namun, indikator makroekonomi secara simultan berpengaruh tidak signifikan terhadap CAR, BDR (kualitas aktiva produktif) dan FDR (likuiditas). Secara umum, disimpulkan bahwa selama masa pandemi Covid-19, indikator makroekonomi memiliki pengaruh signifikan terhadap profitabilitas bank syariah, namun berpengaruh tidak signifikan terhadap aspek permodalan, aspek kualitas aktiva produktif (BDR) dan aspek likuditas (FDR) bank syariah.
Kawruh jiwa Ki Ageng Suryomentaram focuses on human feeling in spiritual matters to live a happy life and not just physical aspects. The spiritual aspect must grow on the sense of self itself, while the physical aspects will arise after the growth of the spiritual aspects that are carried out. The spiritual aspect must be in line and side by side with the physical aspect to produce a complete sense of human self. Ki Ageng Suryomentaram asserted that he invited us as Indonesian people to feel the feelings of life, examine every taste, and achieve the true meaning of happiness. Happiness is not out there, but inside yourself. Happiness is free, does not depend on time, place and circumstances. This study tries to invite all of us to be able to feel the happiness that is in us so that it reaches a complete human being with essential happiness given by the Creator, Allah SWT.
Islamic Development Bank (IDB) was largely known but in the context of its role in infrastructure development in Indonesia it has not been comprehensively socialized in various elements of Indonesian society. This article aims to explore the IDB contribution to the development of Educational infrastructures and its impact to the quality of human resources in Indonesia. This research is based on the fact that for a long time, IDB has provided a huge contribution to the various educational institutions in Indonesia, especially the university campuses. Sustainable Development Goals (SDGs) theories approach is adopted to explore more deeply the extent to which educational infrastructure plays a role in social and environmental life in Indonesia. This research is a qualitative study and the data used are field data obtained from infrastructure projects that have been built by IDB in Indonesia. The findings of this study are that the role of IDB is significant in improving Indonesia’s infrastructure and sustainable development. This significant role should be understood to the extent of its effectiveness and how it can contribute to the sustainable development of Indonesia.
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