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BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA Aprillia, Sindy; Kalsum, Ummi; Hidayat, Randy
Balance : Jurnal Akuntansi dan Bisnis Vol 8, No 1 (2023): Balance : Jurnal Akuntansi dan Bisnis
Publisher : Universitas Muhammadiyah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32502/jab.v8i1.6125

Abstract

This study is to determine the effect of Operational Costs, Operating Income, and Capital Adequacy Ratio on Bank Profitability both simultaneously and partially. Data analysis used in this study is a quantitative analysis carried out through statistical tests, then using multiple linear regression data analysis techniques with 60 data samples consisting of 12 Islamic commercial banks in Indonesia in the period 2017 to 2021. The results show that there is a significant influence Operating Costs Operating Income, and Capital Adequacy Ratio to Profitability of Islamic Banks in Indonesia, partially only Operating Costs Operating Income has an effect while the Capital Adequacy Ratio does not affect Return On Assets. 
PENYELENGGARAAN RAPAT ANGGOTA KOPERASI BAGI PENGURUS DAN PENGAWAS KOPERASI Kalsum, Ummi; Permana, Arraditya; Sahri, Yulian; Hidayat, Randy; Febriani, Yunita; Kosim, Belliwati
Suluh Abdi Vol 5, No 2 (2023): SULUH ABDI
Publisher : Universitas Muhammadiyah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32502/sa.v5i2.6333

Abstract

Rapat anggota  merupakan pemegang kekuasaan tertinggi dalam koperasi. Rapat anggota dihadiri oleh anggota atau wakil anggota yang pelaksanaannya diatur dalam Anggaran dasar (AD) dan Anggaran Rumah Tangga (ART) koperasi. Keputusan Rapat Anggota bersifat memerintahkan kepada perangkat organisasi untuk mengerjakannya. Pada umumnya masalah yang sering terjadi, ada beberapa koperasi yang dengan sengaja tidak menyelenggarakan rapat anggota, atau kalaupun melaksanakan hanya sekedar formalitas saja untuk menggugurkan kewajiban. Beberapa koperasi masih memberlakukan anggota hanya sebatas objek untuk mendapatkan keuntungan. Melalui pelatihan penyelenggaraan rapat anggota koperasi ini bertujuan agar peserta mampu memahami ketentuan umum penyelenggaraan rapat anggota koperasi, memahami tahapan pelaksanaan rapat anggota, dan memahami hakekat dari rapat anggota koperasi. Metode kegiatan pelatihan ini menggunakan metode pendidikan orang dewasa dengan teknik ceramah, diskusi kelompok, dan simulasi. Pelaksanaan kegiatan ini pada tanggal 22 Februari 2023 di Grand Atyasa Convention Center Kota Palembang dengan peserta dari unsur pengurus dan pengawas koperasi yang ada di Kota Palembang sebanyak 100 orang dari 50 koperasi. Kegiatan pelatihan ini cukup berhasil mengingat semua peserta mengikuti pelatihan sampai selesai dan sebagian peserta berkomitmen untuk menyelenggarakan rapat anggota koperasi sesuai dengan UU. No. 25 tahun 1995 tentang perkoperasian. 
Pemberdayaan Koperasi Melalui Penyuluhan Perkoperasian Pada Kelompok Masyarakat Kalsum, Ummi; Hidayat, Randy; Sahri, Yulian; Permana, Arradytia; Muslimin, Amrah; Febriani, Yunita
Jurnal Terapan Ekonomi dan Bisnis Vol 4, No 1 (2024): Maret
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/jteb.v4i1.8864

Abstract

Badan usaha koperasi merupakan bentuk usaha paling ideal dikarenakan anggotanya mempunyai peran ganda yaitu bertindak sebagai pemilik sekaligus sebagai pengguna layanan koperasi. Koperasi adalah badan usaha yang yang keberadaannya diakui dalam UUD 1945 dan diharapkan bisa menjadi soko guru perekonomian Indonesia, tetapi pada faktanya koperasi tidak lebih maju bila dibandingkan dengan badan usaha lainnya. Ini terjadi karena umumnya masyarakat belum mengetahui sistem yang ada di koperasi, maka melalui kegiatan penyuluhan ini, diharapkan masyarakat mengerti dan faham mengenai hakekat koperasi dan pada akhirnya bisa menjalankan usaha koperasi berdasarkan prinsipprinsip koperasi. Kegiatan ini diikuti sebanyak 90 orang dari 18 kecamatan di Kota Palembang. Teknik yang digunakan dalam kegiatan penyuluhan ini menggunakan metode ceramah, studi kasus, dan diskusi kelompok. Kegiatan dilaksanakan di Grand Atyasa Convention Center Palembang tanggal 11 Mei 2023.Kata kunci : pemberdayaan koperasi, penyuluhan koperasi, prinsip koperas
Factors Affecting the Financial Performance of Cooperative Businesses in Palembang City Kalsum, Ummi; Permana, Arradytia; Hidayat, Randy; Dewayanti, Patricia Ayu
Jurnal Proaksi Vol. 11 No. 4 (2024): Oktober - Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/jpk.v11i4.6653

Abstract

Not all cooperatives in Palembang City are able to show good financial performance, even though they operate in a similar environment. The difference in the acquisition of Residual Business Results (SHU) is one of the indicators of factors that affect the success of cooperatives. This study analyses the influence of the number of members, own Capital, loan capital, and business volume on cooperatives’ remaining business results (SHU) in Palembang City. The focus of the analysis includes the impact of each of these variables on the SHU of primary cooperatives that are active and registered with the Palembang City Cooperatives and SMEs Office. This study uses a purposive sampling method with a sample of 56 cooperatives. The data were analyzed using panel data regression to explore the relationship and influence of independent variables on dependent variables. The study results show that the number of members, own Capital, and business volume significantly influence the increase in cooperative SHU. Capital has made the most significant contribution to SHU, while the volume of business and the number of members also have a considerable impact. However, the loan capital was found to have no significant influence on the cooperative SHU. These findings highlight the importance of internal capital management and strategies to increase business volume to optimize the financial performance of cooperatives in Palembang City. To increase SHU, cooperatives are encouraged to actively socialize the benefits of being a cooperative member to the public.; implementing a transparent accounting system and financial reports can increase members’ confidence in using their own capital and loan capital, as well as provide training to cooperative administrators regarding financial management, marketing, and business operations.
A ANALISIS PENGARUH SIFAT FISIK DAN THERMAL LIMBAH FLY ASH BATUBARA DAN KAOLIN PADA PEMBUATAN FIRE BRICKS Hidayat, Randy; Putri, Fenoria; Karmin, Karmin
MACHINERY Jurnal Teknologi Terapan Vol. 6 No. 1 (2025): Machinery: Jurnal Teknologi Terapan
Publisher : Politeknik Negeri Sriwijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15234179

Abstract

The increase in coal waste (fly ash and bottom ash) will have a negative impact on the environment if it is not managed or utilized. One of the uses of coal waste can be used as a mixture for making refractory bricks. Refractory bricks are made with a variety of materials with the fixed variable composition being 30% clay and 10% alumina and the independent variables FA and Kaolin waste with variations of 20%:40%, 30%:30%, 40%:20%. Samples of refractory bricks that has been made is tested by Density & Porosity Test, Compressive Strength Test, and Heat Conductivity Test. The results were obtained in the density and porosity tests on the 30% fly ash variation with sequential values of 1.782 gr/cm3 and 42.419%, as well as compressive strength of 7.24 N/mm2 and the highest thermal conductivity on the 20% fly ash variation with a value of 1.773 W/m.oK
ANALISIS PERAN VOLUME USAHA DAN JUMLAH ANGGOTA DALAM MENENTUKAN PEROLEHAN SHU KOPERASI Kalsum, Ummi; Permana, Arraditya; Hidayat, Randy; Kosim, Belliwati; Muslimin, Amrah; Fitria, Primasari
Jurnal Aplikasi Manajemen dan Bisnis Vol. 5 No. 2 (2025): Jurnal Aplikasi Manajemen dan Bisnis April 2025
Publisher : Politeknik Negeri Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15487756

Abstract

Koperasi merupakan salah satu entitas ekonomi yang bertujuan meningkatkan kesejahteraan anggotanya melalui prinsip kebersamaan dan gotong royong. Salah satu indikator utama kinerja keuangan koperasi adalah Sisa Hasil Usaha (SHU), yang mencerminkan laba bersih koperasi setelah dikurangi berbagai biaya operasional. Namun, dalam praktiknya, tidak semua koperasi dengan jumlah anggota besar atau volume usaha tinggi mampu menghasilkan SHU yang optimal. Oleh karena itu, penelitian ini bertujuan untuk menganalisis pengaruh volume usaha dan jumlah anggota terhadap perolehan SHU pada Koperasi Pegawai Republik Indonesia (KPRI). Penelitian ini menggunakan data sekunder yang diperoleh dari laporan keuangan KPRI dan data keanggotaan koperasi tahun 2021-2023. Teknik analisis yang digunakan adalah analisis regresi linier berganda, dengan volume usaha dan jumlah anggota sebagai variabel independen, serta SHU sebagai variabel dependen. Uji statistik dilakukan untuk melihat pengaruh parsial dan simultan antara variabel-variabel tersebut. Hasil penelitian menunjukkan bahwa volume usaha memiliki pengaruh positif dan signifikan terhadap perolehan SHU, yang mengindikasikan bahwa semakin besar aktivitas bisnis koperasi, semakin tinggi keuntungan yang diperoleh. Jumlah anggota juga berpengaruh positif terhadap SHU, namun dengan signifikansi yang lebih rendah dibandingkan volume usaha. Hal ini menunjukkan bahwa peningkatan jumlah anggota tidak selalu berdampak langsung pada SHU, melainkan bergantung pada tingkat partisipasi anggota dalam kegiatan koperasi. Berdasarkan temuan ini, koperasi disarankan untuk meningkatkan volume usaha melalui diversifikasi produk dan layanan, serta mendorong keterlibatan aktif anggota dalam transaksi koperasi guna mengoptimalkan perolehan SHU. Penelitian ini memberikan kontribusi bagi pengelola koperasi dalam merancang strategi peningkatan kinerja keuangan serta bagi akademisi dalam pengembangan kajian terkait manajemen keuangan koperasi.
Perancangan Aplikasi Komunitas Private Balance Bike Palembang Berbasis Website syahril, muhammad -; Alviolesa, Bora; Hidayat, Randy
Jurnal Digital: Telnologi Informasi Vol 8, No 1 (2025): Jurnal Digital Teknologi informasi
Publisher : Universitas Muhammadiyah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32502/digital.v8i1.9723

Abstract

A balance bike is a pedal-less bicycle designed to help children develop balance before transitioning to a regular two-wheeled bicycle. As public interest in this sport continues to grow in Palembang, there is an increasing need for a community platform that can facilitate communication, activity information, and structured member management. This study aims to design a website-based application for the Private Balance Bike Palembang community to support its digital activities. The system development method used is the Waterfall model, which includes requirement analysis, system design, implementation, and testing stages. The result of this research is a website-based application prototype that offers main features such as member registration, discussion forums, training and event schedules, and community data management. This application is expected to be an effective solution for enhancing interaction and coordination among community members in an efficient and organized manner
Pelatihan Pengelolaan Keuangan Untuk Meningkatkan Kemampuan Perencanaan Keuangan Keluarga Ummi Kalsum; Randy Hidayat; Belliwati Kosim; Arradytia Permana
Jurnal Pengabdian UntukMu NegeRI Vol. 6 No. 2 (2022): Pengabdian Untuk Mu negeRI
Publisher : LPPM UMRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37859/jpumri.v6i2.3419

Abstract

Abstract Managing family finances is a fundamental skill that every household must understand. In general, financial problems that often occur are when expenses are greater than the amount of income earned, and the amount of income received is irregular. Through this financial management training, which aims to make participants able to identify sources of income and expenses, be able to determine spending priorities and write them down in the family budget and understand how to control spending in accordance with the budget that has been prepared so that family needs can be met. The implementation of this training activity on February 29, 2022 at PAUD Islam Salsabila Palembang with 25 participants from parents and teachers. This training activity was quite successful considering that all participants were able to prepare budgets and record cash flows.
The Effect of Inflation, Interest Rates and World Oil Prices on Gold Prices in Indonesia with the US Dollar Exchange Rate as an Intermediary Variable Kalsum, Ummi; Hidayat, Randy; Oktaviani, Sheila
International Journal of Finance Research Vol. 2 No. 1 (2021): International Journal of Finance Research
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/financeinvestmentderivative.v2i1.228

Abstract

This study aims to determine the effect of inflation, interest rates, and world oil prices on fluctuations in gold prices in Indonesia with the US Dollar exchange rate as an intermediary variable. This research is a type of explanatory research with a quantitative approach. The data used are monthly time series data for 2014 - 2019 with a sample of 72 samples. Hypothesis testing in this study uses path analysis, is a development technique of multiple linear regression. This technique is used to test the amount of contribution shown by the path coefficient on each path diagram of the causal relationship between cariables X1, X2, and X3 on and its impact on Z. The results of this study indicate that the effect of inflation, interest rates and worl oil prices on exchange rates individually has very little effect. The effect of inflation, interest rates, world oil prices and the exchange rate on gold prices individually shows a negative value for inflation and interest rates means that the effect is small, while for the world oil price and the dollar exchange rates shows a positive value which means that it has a large effect on the price of gold. The effect of inflation, interest rates and world oil prices on gold prices through the exchange rate, all variable show a negative value, this indicates that the effect is very small.
Company's Financial Performance Before and During the Covid-19 Pandemic on the Indonesia Stock Exchange Setiawan, Budi; Basyith, Abdul; Hidayat, Randy
International Journal of Finance Research Vol. 3 No. 3 (2022): International Journal of Finance Research
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/ijfr.v3i3.725

Abstract

This study at determine financial performance before and during the Covid-19 pandemic on the Indonesia Stock Exchange. In this study, 29 samples of companies in the health sub-sector, telecommunication services sub-sector, hotel and restaurant tourism sub-sector. This analysis includes company financial analysis, manova test, and research results show that financial performance before and during the Covid-19 pandemic as measured by using CR, DER, TATO, ROE shows no difference in the health sector and for companies in the telecommunication service subsector while in the telecommunication service subsector. Hotel and restaurant tourism shows differences in financial performance before and during the Cobid-19 pandemic. Financial performance such as the Current ratio, DER, TATO and ROE show that younger companies have different financial performances from older companies. the size of the company does not show any difference for the ratio of CR and ROE and shows a difference in the ratio of DER and TATO when it is below 5 trillion