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All Journal Inovator : Jurnal Manajemen MONETER Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Jurnal Ilmiah Manajemen Kesatuan Moneter : Jurnal Keuangan dan Perbankan Abdi Masyarakat UIKA International Journal of Applied Management and Business
Marlina, Asti
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Public Health Social Sciences

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PENANGANAN PEMBIAYAAN BERMASALAH PADA PEMBIAYAAN AKAD MURABAHAH DI PT. BPRS BOGOR TEGAR BERIMAN CABANG Marlina, Asti; Sopiandi, Aulia Eka
MONETER Vol 9 No 1 (2021): APRIL
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Kahldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (165.774 KB) | DOI: 10.32832/moneter.v9i1.5747

Abstract

Pembiayaan merupakan salah satu fungsi utama lembaga keuangan, terutama lembaga keuangan bank. Terdapat beberapa bentuk akad pembiayaan pada perbankan syariah, salah satunya pembiayaan dengan akad Murabahah. Dan dalam suatu lembaga perbankan tidak bisa terhindar dari suatu masalah, salah satunya risiko pembiayaan. Pembiayaan bermasalah merupakan pembiayaan tidak lancar yang dialami oleh pihak BPRS dimana nasabah tidak dapat atau tidak mau memenuhi kewajiban untuk membayar kembali dana yang dipinjamnya secara utuh pada saat jatuh tempo maupun sesudahnya. Dari latar belakang ini, penelitian ini dilakukan untuk mengetahui bagaimana prosedur pembiayaan Murabahah hingga bagaimana langkah PT. BPRS Tegar Beriman dalam melakukan penanganan pembiayaan bermasalah
PROSEDUR GADAI EMAS DIERA DIGITALISASI DENGAN AKAD QARDH PADA PT. BPRS AMANAH UMMAH KANTOR PUSAT LEUWILIANG Marlina, Asti; Hanifan, Muhamad Zakie; Bimo, Widhi Ariyo
MONETER Vol 9 No 2 (2021): OKTOBER
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Kahldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (241.668 KB) | DOI: 10.32832/moneter.v9i2.6661

Abstract

The gold pawn procedure in the digitalization era at PT. BPRS Amanah Ummah. In Indonesia, there is a dualism of sharia pawning institutions, namely in sharia pawnshops and sharia banking, sharia pawnshops serve objects other than gold and the like. While Islamic banks do not accept pledges other than gold, of course this does not escape using two transaction techniques, namely Qardh and Ijarah contracts. As for the mechanism of the sharia gold pawn procedure at PT. BPRS Amanah Ummah is a customer must and must come to the bank with gold to be pawned, then the bank checks or checks the quality of gold and gold content brought by the customer. As for how to pay installments or pay off debts to the bank, customers can make payments using digital methods such as ATMs, Mobile Banking, funds, OVO, and Link Aja. However, this cannot be separated from the transaction, which often encounters several problems, namely, the calculation of the estimated gold both for extension and at the time of repayment. Therefore PT. BPRS Amanah Ummah must develop an information system for the extension and repayment of the gold pawn. To develop a system of relations between tables (RAT), Entity Relationship Diagram (ERD), and Data Flow Diagrams (DFD) to see the flow of the system, while to build the flow of this system used system development tools Miscrosof Basic net and Myiso database. which will be used later..
Faktor yang Mempengaruhi Kelayakan Nasabah Pembiayaan Kolektif PNS pada PT. BPRS Bogor Tegar Beriman Marlina, Asti; Aliyah, Hikmatul; Maulana, Hendri
MONETER Vol 10 No 1 (2022): APRIL
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Kahldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (367.536 KB) | DOI: 10.32832/moneter.v10i1.7026

Abstract

Pembiayaan merupakan suatu kegiatan lembaga keuangan yang menyalurkan dana kepada masyarakat dimana hasil dari suatu pembiayaan berupa bagi hasil sesuai dengan akad yang telah ditetapkan. Dalam suatu pemberian pembiayaan yang dilakukan oleh sebuah lembaga keuangan kepada nasabah, harus mengikuti prosedur yang telah di tetapkan, dan di analisis untuk menentukan faktor apa saja mempengaruhi layak atau tidaknya pembiayaan tersebut. Analisis yang dilakukan dalam rangka memperhitungkan adanya resiko-resiko dalam suatu pembiayaan. Bank Pembiayaan Rakyat Syariah Bogor Tegar Beriman (BPRS BTB) adalah salah satu lembaga keuangan yang menyediakan fasilitas pembiayaan Kolektif Pegawai Negeri Sipil (PNS) yang memperbolehkan menggunakan jaminan ijazah terakhir. Hal ini dilakukan agar PNS yang sudah pernah meminjam dengan produk yang sama di bank lain dapat memiliki alternatif lain saat membutuhkan pembiayaan dengan melewati tahapan atau proses yang sudah ditentukan oleh bank.
Analisis Kelayakan UMKM Dalam Pembiayaan KUR Mikro pada Bank "X” Marlina, Asti; Hanifan, Muhamad Zakie; Azmia, Nora
MONETER Vol 10 No 2 (2022): OKTOBER
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Kahldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (375.434 KB) | DOI: 10.32832/moneter.v10i2.8505

Abstract

Usaha Mikro Kecil Dan Menengah Merupakan Sektor Ekonomi Nasional Yang Paling Strategis Dalam Menyangkut Kehidupan Orang Banyak Sehingga Menjadi Pertumpuan Perekonomian Di Indonesia . KUR Mikro Adalah Salah Satu Produk Pembiayaan Bank X yang dikhususkan untuk UMKM. Dalam Pemberian Pembiayaan KUR Mikro Perlu adanya analisis dari kelayakan UMKM tersebut. Tujuan dari karya ilmiah ini adalah untuk mengetahui bagaimana prosedur pembiayaan KUR mikro dan faktor- faktor yang mempengaruhi kelayakan UMKM pada pembiayaan KUR mikro di PT. Bank X. Hasil dari pembahasan ini menunjukan bahwa analisis kelayakan UMKM pada produk KUR mikro dilihat dari memiliki usaha yang berjalan minimal 6 bulan, memiliki surat keterangan usaha/ surat izin usaha, BI Checking yang baik, persyaratan yang lengkap, bukan pegawai negeri sipil (PNS) anggota Porli atau TNI dan bukan pegawai BUMN, tidak memiliki pembiayaan KUR di bank lain dan analisis terhadap prinsip pembiayaan 5C (Character, Collateral, Capital, Capacity, Condition Of Economy).
Determinasi Akses Kredit Formal UMKM Sektor Makanan Minuman Masa Pandemi Aminda, Renea Shinta; Bimo, Widhi Ariyo; Marlina, Asti; Mahmud, Khalisah Surend; Handayani, Tias
MONETER Vol 10 No 2 (2022): OKTOBER
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Kahldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (431.897 KB) | DOI: 10.32832/moneter.v10i2.8543

Abstract

Pada penelitian ini memiliki tujuan untuk mengidentifikasi literasi keuangan dan pengaruhnya pada akses kredit formal, menganalisis serta mengkaji persyaratan kredit pada akses kredit formal dan melakukan kajian mendalam faktor akses kredit formal termasuk pengaruh dari literasi keuangan dan persyaratan kredit UMKM sektor makanan dan minuman. Dapat diketahui bahwa jumlah keseluruhan kelompok UMKM usaha kuliner sejumlah 1541 di kota bogor terdaftar di dinas UKM dan koperasi Kota Bogor yang terdata di web resmi UMKM Kota Bogor. Salah satu masalah utama yang sering dihadapi UMKM adalah terbatasnya aspek keuangan terhadap pengelolaan modal awal serta akses untuk modal kerja, pendanaan jangka panjang terhadap investasi yang dibutuhkan yang akan berdampak kepada pertumbuhan produktif jangka panjang. Pandemi COVID-19 memberikan masalah baru terhadap perkembangan kelompok UMKM usaha kuliner khususnya ketika pengajuan pembiayaan kelompok UMKM usaha kuliner kepada Lembaga Keuangan sehingga TKT dalam studi ini dalam bentuk melakukan eksplorasi dan tipologi orientasi pada klasifikasi pengaruh literasi keuangan UMKM sektor makanan dan minuman, menganalisis serta mengkaji faktor apa saja yang ada pada persyaratan kredit pada sektor makanan dan minuman, menganalisis dan mengkaji lebih dalam lagi akses kredit formal UMKM yang beroperasi di sektor makanan dan minuman selama masa pandemi.
Efficiency Analysis of Sharia Regional Development Banks in Indonesia Using Two-Stages Data Envelopment Analysis Aliyah, Hikmatul; Maulani, Denia; Marlina, asti
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 1 (2023): APRIL
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i1.172

Abstract

The main objective of this study is to evaluate the efficiency level of Sharia Regional Development Banks between 2014 and 2017 using the Data Envelopment Analysis (DEA) method. The efficiency analysis results indicate that the efficiency level of Sharia Regional Development Banks during the study period from 2014 to 2017 was quite fluctuating. In 2014, five Sharia Regional Development Banks showed inefficiency, namely Bank DIY Syariah, Bank Jateng Syariah, Bank Jatim Syariah, Bank Kalsel Syariah, and Bank NTB Syariah. In 2015, four Sharia Regional Development Banks showed inefficiency, namely Bank Jateng Syariah, Bank Jatim Syariah, Bank Kaltimtara Syariah, and Bank NTB Syariah. In 2016, five Sharia Regional Development Banks showed inefficiency, namely Bank Jateng Syariah, Bank Sulselbar Syariah, Bank Kaltimtara Syariah, Bank NTB Syariah, and Bank Jatim Syariah. However, in 2017, only two Sharia Regional Development Banks showed inefficiency, namely Bank Jatim Syariah and Bank Kaltimtara Syariah.
Analysis Of Post COVID-19 Microfinance AT BANK SYARIAH INDONESIA Kcp Bogor Pajajaran Bantarjati Marlina, Asti; Husna, Siti Asifatul; Hanifan, M. Zakie
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 1 (2023): APRIL
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i1.173

Abstract

The real estate sector's economic resilience, which is essential for the recovery of the economy following the COVID-19 epidemic, is significantly influenced by financing. However, COVID-19's effects mean that financing cannot operate as previously agreed upon within the allotted time, which causes many debtors to go into default and produce bad debts or non-performing financing. Errors in the application of financing procedures might also result in non-performing financing. Problem funding is attempted to be saved by enforcing bank policies that currently exist. The goal of this discussion is to determine how the bank BSI Bank KCP Bogor Pajajaran Bantarjati's procedures, comparative financing conditions during and after COVID-19, and the resolution of problematic financing have shown a positive trend because it has been successful in lowering the number of customers who restructured from 30% to 0%, non-performing financing from 14% to 7%, and current financing from 56% to 93% during post-COVID-19. The number of customers whose financial situations improved and they were able to pay off their loans also contributed to the upward trend. This demonstrates the efficacy of the financing guidelines and practices put in place by Bank BSI KCP Bogor Pajajaran Bantarjati in an effort to keep the bank in good standing following COVID-19.
Determining Marketing Performance Product Innovation and Digital Marketing Marlina, Asti; Maulana, Lucky Hikmat; Sinaga, Hanif Zaidan; Fadhila, Jihan; Miranti
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 4 (2025): JIMKES Edisi Juli 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i4.3431

Abstract

In the digital era, product innovation and digital marketing are vital for enhancing the marketing performance of fashion Micro, Small, and Medium Enterprises in Bogor City, where competition is intensifying. This study aims to examine the influence of product innovation and digital marketing, particularly through social media, on marketing performance. A quantitative approach with descriptive and verification methods was employed, using a questionnaire survey distributed to 65 fashion Micro, Small, and Medium Enterprises in Bogor City, selected via purposive sampling. Data were analyzed using SPSS software through multiple regression, correlation, and statistical hypothesis testing. The findings reveal that product innovation significantly enhances marketing performance by meeting consumer demands, while digital marketing, especially social media strategies, boosts brand visibility and customer engagement. Both factors collectively account for 60% of marketing performance variance, with social media playing a critical role in promoting innovative products. This study concludes that fashion Micro, Small, and Medium Enterprises must integrate innovative product designs with active social media marketing to remain competitive. These insights offer practical guidance for Micro, Small, and Medium Enterprises to optimize marketing strategies and strengthen market presence in a dynamic environment.
EMPOWERMENT OF CATTLE FARMER GROUPS THROUGH THE DEVELOPMENT OF COMPOST ORGANIC FERTILIZER AND DIGITAL MARKETING TRAINING TO CREATE A HEALTHY AND PROSPEROUS ENVIRONMENT Maulana, Hendri; Nurhayati, Immas; Marlina, Asti; Miranti, Miranti; Shalsabila, Mutiara
Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Vol. 9 No. 3 (2025): SEPTEMBER
Publisher : LPPM Univ. Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/abdidos.v9i3.3053

Abstract

The objective of this Community Empowerment Partnership (PKM) activity is to enhance the knowledge and skills of cattle farmer groups in Cilebut Barat Village, Sukaraja Subdistrict, Bogor Regency, in processing accumulated livestock manure waste and converting it into compost organic fertilizer (POK) with economic value, and marketing the product digitally. The programme of study was delivered through a combination of didactic methods, including lectures, video screenings, question-and-answer sessions, practical sessions, and simulations. As a result, farmers gained knowledge and skills in processing cow manure waste. After the training, they were able to produce POK as a new product and market it digitally. Thereafter, the training enabled the production of POK as a new product, which was subsequently marketed digitally.
Co-Authors ., Oki Agustini, Salsa Bilah Aliyah, Hikmatul Denia Maulani Ecin Kuraesin Fadhila, Jihan Febrian, Windi Octaviana Handayani, Tias Hanifan, M. Zakie Hanifan, Muhamad Zakie Hartati, Yuninda Hendri Maulana Himawan, Erry Nugroho Humairah, Fanny Hurriyaturrohman Hurriyaturrohman Husna, Siti Asifatul Ibrahim, Sukamdani Indrawan, Husni Irawati, Anita Ismadinah, Syifa Kemora, Haura Mafizatun Nurhayati Mahmud, Khalisah Surend Maulana, Lucky Hikmat Maulida, Nadia Miranti Miranti Miranti Muhamad Azis Firdaus Muniroh, Leny Nirmawati, Rina Nora Azmia Nurhayati, Immas Oktaviani, Rini Pasaribu, Popy Ramdani, Danny Renea Shinta Aminda Rohman . Sartika, Rahma Yuliana Shalsabila, Mutiara Sinaga, Hanif Zaidan Siti Aisyah, Dini solihat, Mia mar’atus Sopiandi, Aulia Eka Sri Wahyuni Sulistyanto, Tri Hadi Syahrum Agung Widhi Ariyo Bimo