Fintech terhadap Kinerja Keuangan Perbankan Syariah di  Indonesia

Syahwildan, Muhamad; Damayanti, Tri

doi:10.36778/jesya.v5i1.608

Cited by 6 publications

(9 citation statements)

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“…Kesesuaian dengan Prinsip-prinsip Syariah: Fintech syariah berkomitmen untuk mematuhi prinsip-prinsip syariah dalam semua aspek bisnisnya. Hal ini termasuk pemantauan ketat terhadap larangan riba (bunga), investasi dalam aset yang sesuai syariah, dan menjaga transparansi dalam transaksi (Syahwildan & Damayanti, 2022).…”

Section: Hasil Dan Pembahasanunclassified

“…Salah satu masalah utama yang perlu diperhatikan adalah pemahaman mendalam tentang prinsip-prinsip syariah dalam konteks keuangan modern. Prinsip-prinsip seperti larangan riba (bunga), larangan investasi dalam bisnis yang diharamkan oleh Islam, dan persyaratan keadilan dalam transaksi menjadi hal yang sangat relevan dalam Fintech syariah (Wijaya, 2020). Oleh karena itu, penting bagi para pengembang dan pengguna Fintech syariah untuk memiliki pemahaman yang kuat tentang prinsip-prinsip ini agar produk dan layanan yang dibuat dan digunakan sesuai dengan nilai-nilai syariah.…”

Section: Perkembangan Fintech Dalam Ekonomi Syariahunclassified

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Peran Fintech Dalam Transformasi Sektor Keuangan Syariah

Norrahman

2023

JBM

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Dalam era digital yang berkembang pesat, Fintech telah menjadi pemain kunci dalam mengubah lanskap sektor keuangan syariah. Jurnal ini menggali peran penting Fintech dalam transformasi sektor keuangan syariah dan dampaknya pada inklusi keuangan, efisiensi operasional, serta kesesuaian dengan prinsip-prinsip syariah. Dengan menggunakan metode penelitian analisis literatur, penelitian ini mendalam menjelaskan inovasi Fintech syariah, tantangan regulasi, literasi keuangan syariah, serta peluang masa depan. Hasil penelitian mengungkapkan bahwa Fintech syariah memiliki potensi besar untuk mempercepat akses keuangan syariah bagi masyarakat yang sebelumnya tidak terlayani. Akan tetapi terdapat tantangan regulasi yang kompleks dan pendidikan konsumen yang kurang memadai masih menjadi hambatan, Layanan-layanan Fintech syariah telah memberikan akses yang lebih mudah dan terjangkau kepada individu dan usaha kecil menengah untuk menggunakan produk dan layanan keuangan syariah. Ini berdampak positif pada inklusi keuangan, dengan lebih banyak orang yang dapat memanfaatkan layanan keuangan syariah untuk memenuhi kebutuhan. Penelitian mempertimbangkan implikasi kebijakan dan rekomendasi untuk pengembangan industri Fintech syariah yang berkelanjutan. Perlu adanya kerja sama antara regulator, industri, dan lembaga keuangan syariah untuk menciptakan lingkungan yang kondusif bagi pertumbuhan Fintech syariah. Dengan demikian, Fintech syariah dapat terus memainkan peran vitalnya dalam memperkuat sektor keuangan syariah dan mendukung inklusi keuangan yang lebih luas. Kata Kunci: Fintech, Transformasi, Keuangan Syariah

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Section: Hasil Dan Pembahasanunclassified

Section: Perkembangan Fintech Dalam Ekonomi Syariahunclassified

Peran Fintech Dalam Transformasi Sektor Keuangan Syariah

Norrahman

2023

JBM

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“…Nonetheless, other results suggest otherwise. Fintech has no significant effect on bank performance (Syahwildan & Damayanti, 2022;Ma'ruf, 2021).…”

Section: Introductionmentioning

confidence: 95%

“…Banking is inseparable from macroeconomic conditions (Li et al, 2021;Montagnoli et al, 2021;Syahwildan & Damayanti, 2022;Taylor, 2022;Z. Wang & Tang, 2020).…”

Section: Introductionmentioning

confidence: 99%

Islamic Commercial Bank Performance: The Nexuses by Financial Ratios, Macro Economics, And Financial Technology

Nurlaili,

Miranti

2023

MIEC

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The objective of this study is to examine the relationship between various factors and the performance of Islamic commercial banks in Indonesia over the next 12 periods. The variables considered include Non-Performing Assets, Capital Adequacy Ratio, Insolvency-risk, Inflation, Financial Technology, and Bank Size. The research methodology employed is a quantitative approach with a descriptive analysis. The sampling technique utilized is saturated sampling, resulting in a total of 96 data points. The findings indicate that the Non-Performing Assets (NPA) variable has a significant impact on Return on Assets (ROA), while the ROA variable does not significantly affect the NPA variable. Additionally, the inflation variable does not have a statistically significant effect on ROA, and vice versa. In the short term, the variables that influence bank performance are NPA, Capital Adequacy Ratio, Insolvency-risk, Financial Technology, and Bank Size. In the long term, significant factors influencing bank performance are NPA, Insolvency-risk, Financial Technology, and Bank Size. The Impulse Response Function (IRF) test demonstrates that ROA shows a positive response to the impact of NPA, Capital Adequacy Ratio, Inflation, Financial Technology, and Bank Size, while it exhibits a negative response to shocks caused by inflation. Throughout the study period, the variable with the greatest contribution remains Financial Technology, followed by other variables. Ultimately, the aim of this study is to provide insights for future policy implementation and decision-making within companies

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“…Islamic banks have then started to introduce Sharia mortgages which aim to become a new mainstay product as well as a solution that will make people less burdened by mortgage interest costs which are quite high and tend to fluctuate and worry about religious problems (Kholid, 2018;Purnomo, 2019;Syahwildan & Damayanti, 2022). For the community, Sharia mortgages are needed because housing prices are increasing.…”

Section: Introductionmentioning

confidence: 99%

The Impact of Sharia BTN Credit and Income Factors on Public Interest in Home Ownership Loans (Kpr)

Lestari

2022

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The purpose of this study was to determine the effect of the BTN Syariah credit system and income factors on public interest in mortgage ownership of KPR. The object of this research is this research is BTN Syariah customers who use musharaka in ownership of KPR at Perum Sinar Garden Ciamis as many as 43 units. The research uses quantitative descriptive methods, meaning that the research tries to describe a symptom of current events and reveals data that has taken place without manipulating other variables without affecting the dependent variable according to real events. The results of the study inform that the BTN Syariah credit system and income factors have a positive effect on people's interest in using KPR. The BTN Syariah credit system and income factors can affect people's interest in using KPR by 82%, while the remaining 18% is influenced by other variables.

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Fintech terhadap Kinerja Keuangan Perbankan Syariah di Indonesia

Cited by 6 publications

References 0 publications

Peran Fintech Dalam Transformasi Sektor Keuangan Syariah

Peran Fintech Dalam Transformasi Sektor Keuangan Syariah

Islamic Commercial Bank Performance: The Nexuses by Financial Ratios, Macro Economics, And Financial Technology

The Impact of Sharia BTN Credit and Income Factors on Public Interest in Home Ownership Loans (Kpr)

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