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All Journal AKADEMIK: Jurnal Mahasiswa Humanis Journal of Economics and Business
Ninik Mulyani
IAI Nusantara Ash-Shiddiqiyah
Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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Pendampingan Tata Kelola Keuangan dan Pemasaran Digital dalam Rangka Pengembangan UMKM di Desa Harapan Jaya Ninik Mulyani; Nisaul Jannah
Journal of Economics and Business Vol. 4 No. 2 (2026): Journal of Economics and Business
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/econis.v4i2.612

Abstract

Kegiatan ini bertujuan meningkatkan kapasitas pengelolaan keuangan dan pemanfaatan teknologi digital bagi UMKM di Desa Harapan Jaya, OKU Timur. Mitra terdiri atas [jumlah] UMKM yang dipilih dengan [teknik sampling] berdasarkan [kriteria]. Program berlangsung [durasi] melalui survei, workshop, pendampingan one-on-one, dan evaluasi. Data dikumpulkan lewat observasi, wawancara, dokumentasi, lalu dianalisis deskriptif dengan membandingkan kondisi sebelum–sesudah. Evaluasi menekankan pemisahan keuangan pribadi-usaha, pembukuan sederhana berbasis aplikasi, serta pemanfaatan e-commerce dan media sosial. Hasil menunjukkan [jumlah] UMKM berhasil meningkatkan pencatatan, pembukuan digital, dan pemasaran online, dengan [persentase] mengalami kenaikan omzet 25–35% setelah [periode].
Kontribusi Pembiayaan Murabahah, Musyarakah, Ijarah, dan Mudharabah terhadap Kinerja Keuangan Bank Syariah dengan Ukuran Bank sebagai Variabel Moderasi di Indonesia Rizky Arya Jaya; Suhartiningrum Suhartiningrum; Ninik Mulyani; Peny Cahaya Azwari; Syarmila Syarmila
AKADEMIK: Jurnal Mahasiswa Humanis Vol. 6 No. 3 (2026): AKADEMIK: Jurnal Mahasiswa Humanis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/jmh.v6i3.2488

Abstract

Islamic banking plays an increasingly important role in Indonesia’s financial system, making it essential to understand the development of financing composition and its relationship with financial performance. This study aims to describe the development of murabahah, musyarakah, ijarah, and mudharabah financing and examine the potential moderating role of bank size in the relationship between financing composition and financial performance. The study employs a descriptive documentary approach using secondary data from the Financial Services Authority (Otoritas Jasa Keuangan/OJK), particularly the Islamic Banking Statistics for December 2024 and relevant official publications covering 2020–2024. The analysis focuses on aggregate Islamic Commercial Banks and Islamic Business Units (BUS–UUS) and includes financing trends, market shares, annual growth, compound annual growth rates, and financial performance indicators. The findings show that total financing increased from IDR 383.94 trillion in 2020 to IDR 624.56 trillion in 2024. Musyarakah became the dominant financing contract, accounting for 50.58% of total financing in 2024, while murabahah represented 41.00%. The combined return on assets (ROA) of BUS–UUS also increased from 1.86% in 2023 to 2.04% in 2024. However, the aggregated data do not establish causal relationships or permit empirical testing of bank size as a moderating variable. This study provides a descriptive overview of financing composition and highlights the need for bank-level panel data to investigate these relationships empirically.
Co-Authors Nisaul Jannah Rizky Arya Jaya Suhartiningrum Suhartiningrum Syarmila Syarmila