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Pendampingan Pemilihan Portofolio Keuangan Syariah bagi Ibu PKK Kelurahan Kadungora Kecamatan Kadungora: Guidance in Selecting Sharia Financial Portfolio for PKK Women in Kadungora Village, Kadungora District Yayat Rahmat Hidayat; Nanik Eprianti; Popon Srisusilawati; Mohamad Andri Ibrahim
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 11 No. 6 (2026): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v11i6.10498

Abstract

The problem is that people still save in savings-and-loan cooperatives through arisan, which often ends in fraud. This is due to a lack of public knowledge and understanding of the types of Sharia financial products, and a lack of awareness of how to check financial portfolios that hold OJK permits, which contributes to the lack of public interest in using Sharia financial products. The community still has limited information about Sharia financial products. Therefore, to increase understanding and increase the use of sharia financial portfolios for the community in Kadungora village, it is necessary to assist the selection of sharia financial portfolios for PKK mothers who represent the Kadungora community. The purpose of this study is to provide the community, through PKK mothers, with knowledge about Sharia financial portfolio literacy and the benefits of Sharia financial portfolios in Kadungora Village. Mentoring activities using an innovative literacy approach are among the factors that support the Partner's goal, namely, increasing knowledge in Kadungora Village and increasing community interest in using sharia financial portfolios, thereby positively impacting the development of the sharia economy. The method in mentoring PKK mothers is by contacting and establishing cooperation with the village head in Kadungora village, then conducting an approach with a survey to Kadungora village, then gathering PKK mothers and providing an overview of mentoring activities, as well as providing literacy mentoring to PKK mothers about various types of sharia financial portfolios and the benefits, and how to calculate the profit of a sharia financial portfolio.
Capital Intensity And Asset Efficiency In Regional Islamic Banks: Evidence From Bank BJB Syariah Nanik Eprianti; Mohamad Andri Ibrahim; Yayat Rahmat Hidayat; Popon Srisusilawati; Aam Slamet Rusydiana
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 8 No. 1 (2026): September
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v8i1.231

Abstract

Introduction: Bank BJB Syariah, as a regional Islamic financial institution, continues to face challenges in maximizing financial performance, particularly in optimizing asset utilization to support product sales. This study aims to investigate the impact of Capital Intensity Ratio (CIR) a key economic metric measuring capital efficiency in generating productive assets on the asset growth of Bank BJB Syariah over the period 2009–2024. Methods: This research applies a quantitative descriptive approach using annual financial data from 2009 to 2024. The empirical analysis is conducted using simple linear regression, incorporating classical assumption testing, a partial t-test, and the coefficient of determination to evaluate the significance and strength of the relationship between CIR and asset value. Results: Findings reveal that CIR has a positive and significant effect on asset performance, with the coefficient of determination indicating that CIR contributes 56.7% to the total variation in asset growth. Conclusion And Suggestion: The results highlight Bank BJB Syariah’s ability to manage capital effectively, leading to enhanced asset productivity, profitability, and competitive positioning within the Islamic banking sector. It is suggested that the bank maintains and further optimizes its capital utilization strategies to support sustained long-term financial performance.
Pemetaan Efisiensi Pembiayaan Hijau Syariah Bank Umum Syariah Indonesia: Pendekatan DEA 2021–2024 Kayla Maritza Hanafi; Popon Srisusilawati; Mohamad Andri Ibrahim
Bandung Conference Series: Syaria Banking 97-104
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.24373

Abstract

Abstract. Sharia green financing is a strategic instrument for Islamic Commercial Banks (BUS) in supporting sustainable development in accordance with the principles of maqasid sharia. However, the distribution of efficiency among BUS remains highly variable and has not been comprehensively mapped. This article aims to map the level of green financing efficiency in eight BUS in Indonesia for the period 2021–2024 using Data Envelopment Analysis (DEA) with Constant Returns to Scale (CRS) and Variable Returns to Scale (VRS) assumptions. The measurement results show an average CRS efficiency of 0.826 and a VRS of 0.877, with significant variation between banks. Based on their efficiency patterns, BUS can be grouped into four typologies: consistently efficient, unstable efficient, medium-improving, and persistently inefficient. BSI and Bank Panin Dubai Syariah are in the consistently efficient group, while Bank Muamalat Indonesia consistently scores the lowest. This pattern reflects disparities in managerial and strategic capacity in allocating resources to green financing. These findings imply the need for differentiation of regulatory policies and strengthening of the institutional capacity of Islamic banks (BUS) according to their respective characteristics, as a step to support the OJK's 2021–2025 Sustainable Finance Roadmap. Abstrak. Pembiayaan hijau syariah merupakan instrumen strategis Bank Umum Syariah (BUS) dalam mendukung pembangunan berkelanjutan sesuai prinsip maqasid syariah. Namun, distribusi efisiensi antar-BUS masih sangat variatif dan belum terpetakan secara komprehensif. Artikel ini bertujuan memetakan tingkat efisiensi pembiayaan hijau pada delapan BUS di Indonesia pada periode 2021–2024 menggunakan Data Envelopment Analysis (DEA) dengan asumsi Constant Returns to Scale (CRS) dan Variable Returns to Scale (VRS). Hasil pengukuran menunjukkan rata-rata efisiensi CRS sebesar 0,826 dan VRS sebesar 0,877, dengan variasi antarbank yang cukup signifikan. Berdasarkan pola efisiensinya, BUS dapat dikelompokkan menjadi empat tipologi: efisien konsisten, efisien tidak stabil, menengah-membaik, dan inefisien persisten. BSI dan Bank Panin Dubai Syariah berada pada kelompok efisien konsisten, sementara Bank Muamalat Indonesia secara konsisten mencatat skor terendah. Pola ini mencerminkan disparitas kapasitas manajerial dan strategis dalam mengalokasikan sumber daya untuk pembiayaan hijau. Temuan ini berimplikasi pada perlunya diferensiasi kebijakan regulator dan penguatan kapasitas institusional BUS sesuai karakteristik masing-masing, sebagai langkah untuk mendukung Roadmap Keuangan Berkelanjutan OJK 2021–2025.