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All Journal Holistic Journal Of Management Research Ekspektra: Jurnal Bisnis & Manajemen IJBE (Integrated Journal of Business and Economics) JWP (Jurnal Wacana Politik) AFEBI Management and Business Review SEIKO : Journal of Management & Business IKRA-ITH ABDIMAS Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijakan Publik Almana : Jurnal Manajemen dan Bisnis Journal of Political Issues Jurnal Ekonomi Pembangunan Jurnal Abdi Insani JIIP (Jurnal Ilmiah Ilmu Pendidikan) Community Development Journal: Jurnal Pengabdian Masyarakat Equity: Jurnal Ekonomi Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Yumary: Jurnal Pengabdian kepada Masyarakat International Journal of Business, Technology, and Organizational Behavior (IJBTOB) Prima Abdika: Jurnal Pengabdian Masyarakat Studi Ilmu Manajemen dan Organisasi Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Wiga : Jurnal Penelitian Ilmu Ekonomi Jurnal Impresi Indonesia Sinomika Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Journal of Social Science Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research JURNAL EKONOMI BISNIS DAN MANAJEMEN Indonesian Journal of Accounting and Business Riwayat: Educational Journal of History and Humanities Jurnal Ekonomi Bisnis dan Manajemen Journal of Community Service and Society Empowerment Journal of Innovative and Creativity Journal of Management, Economic, and Financial Society Jurnal Riset Multidisiplin Edukasi Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Jurnal Organisasi dan Manajemen Indonesia IJEMA
Nizwan Zukhri
Universitas Bangka Belitung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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The Influence Of Fintech On Profit Growth In Umkm In Pangkalpinang City Christine Christine*; Wendi Wendi; Shella Pratamawati; Nizwan Zukhri
Riwayat: Educational Journal of History and Humanities Vol 6, No 3 (2023): Social, Political, and Economic History
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v6i3.34005

Abstract

This study aims to test and analyze whether there is a positive and significant influence between fintech variables on profit growth variables in MSMEs in Pangkalpinang City, Bangka Belitung Islands Province. The method that the researchers used in this study was a quantitative method with a quantitative approach that used primary data sources obtained through the distribution of questionnaires with Likert scales. The number of respondents is 100 MSME players in Pangkalpinang City. The sampling method is Nonprobability Sampling with purposive sampling techniques. Data analysis techniques using the help of SPSS software version 25. The results revealed that fintech variables have a positive and significant effect on profit growth in MSMEs in Pangkalpinang City as evidenced by the partial fintech significance value of (t test) of 0.000 0.05 and the calculated t value of 9.835 t table 1.661.
Improving and Maximizing the Financial Performance of MSMEs: A Case Study on MSMEs in the Bangka Belitung Islands Province Christine Christine; Nizwan Zukhri; Darman Saputra
Journal of Management, Economic, and Financial Vol. 2 No. 4 (2024): Journal of Management, Economic and Financial
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/jmef.v2i4.46

Abstract

Even in times of financial crisis, MSMEs remain an important economic tool that influence Indonesia's economic growth. MSMEs have the power to raise people's standard of living, particularly in terms of money. The purpose of this study is to investigate how the financial performance of MSMEs in the Bangka Belitung Islands Province is impacted by credit giving, financial inclusion, fintech, and intellectual capital characteristics. This study uses an associative methodology and is quantitative in nature. Purposive sampling procedures were used to obtain 102 MSME actors for the sample. SPSS software version 26 is used to assist with the data analysis technique. The study's findings demonstrate that financial inclusion (X2), fintech (X5), intellectual capital (X6), and partial credit giving (X1) all significantly and favorably impact MSMEs' financial performance. The Bangka Belitung Islands' MSMEs' financial performance is positively and significantly impacted by the concurrent factors of credit granting, financial inclusion, fintech, and intellectual capital. The independent variable accounts for 88.5% of the variation in the dependent variable, with the remaining 11.5% being impacted by factors not examined in this study, according to the R Square value of 0.885 in this investigation.
The Effect Digital Creative Economy Sector to Economic Growth in Bangka Belitung : Theory Perspective Prakarsa, Yuristian Eka; Zukhri, Nizwan; Nugroho, Ari Agung
International Journal of Business, Technology and Organizational Behavior (IJBTOB) Vol. 4 No. 1 (2024): Vol. 4 No. 1 (2024): April | International Journal of Business, Technology and
Publisher : Garuda Prestasi Nusantara Consulting

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52218/ijbtob.v4i1.308

Abstract

This study aims to investigate the relationship between the effect digital creative economy sector to economic growth in Bangka Belitung. In the context of an ever-changing global economy, the digital and creative economy sector has emerged as one of the significant growth engines. This research uses a secondary data analysis method involving economic, digital, economic growth, employment, and creative economy sector data. The study identifies digital creative economy in sub sectors that have greater growth potential than others. This sector-specific analysis provides deeper insights into how different segments of the creative economy can more effectively contribute to the economic development in Bangka Belitung. The creative economy has become a recognized driver of economic development in recent years.The implication of these findings is the need to develop more robust and targeted policy strategies to support the growth digitalization of the creative economy sector. The effect digital creative economy growth are access to information and markets, access to financial services, Marketing and Market Expansion, Skills and Productivity Improvement. Keywords : economic growth, digital, creative economy
PERBANDINGAN REKSADANA: REKSADANA SAHAM KONVENSIONAL DAN REKSADANA SAHAM SYARIAH AGUSTINI, AISYAH PUTRI; ZUKHRI, NIZWAN; SAPUTRA, DARMAN
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 9, No 1 (2024): Januari - Juni 2024
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v9i1.1032

Abstract

Penelitian ini bertujuan untuk mengetahui adanya perbedaan antara kinerja antara reksadana saham konvensional dengan reksadana saham syariah berdasarkan metode Sharpe, Treynor, dan Jensen. Jenis penelitian ini adalah kuantitatif. Metode pengambilan sampel yang digunakan adalah purposive sampling. Sumber data yang digunakan dalam penelitian ini merupakan data sekunder berupa NAB, IHSG/ISSI, dan SBI/SBIS tahun 2018-2022. Teknik analisis data yang digunakan adalah independent sample t-test untuk uji parametrik dan mann-whitney -u untuk uji non-parametrik. Hasil penelitian menunjukkan tidak terdapat perbedaan yang signifikan antara kinerja reksadana saham konvensional dengan reksadana saham syariah berdasarkan metode Sharpe, sedangkan kinerja reksadana saham syariah dan reksadana saham konvensional terdapat perbedaan yang signifikan berdasarkan metode Treynor dan Jensen.
DARI EKONOMI KE EKONOMI POLITIK: TRANSFORMASI SETENGAH HATI SEKTOR EKOWISATA DI BANGKA BELITUNG Ibrahim, Ibrahim; Zukhri, Nizwan; Rendy, Rendy
JWP (Jurnal Wacana Politik) Vol 5, No 2 (2020): JWP (Jurnal Wacana Politik) Oktober
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/jwp.v5i2.30631

Abstract

Bangka Belitung adalah daerah yang sedang mencoba beralih dari sektor utama perkebunan dan pertambangan ke sektor pariwisata. Pemerintah daerah dan berbagai komunitas setempat sedang aktif mendorong peningkatan ekonomi alternatif ini menjadi sebuah sumber pendapatan baru. Pertanyaan kritis terkait bagaimana sejatinya dimensi ekonomi dari perspektif para pelaku bisnis pariwisata dan intervensi pemerintah menjadi sangat menarik untuk dikaji. Studi ini fokus pada alasan para pelaku wisata terlibat, khususnya pedagang dan pengelola kawasan wisata, serta mencermati bagaimana dimensi ekonomi politik dalam pengambilan keputusan politik untuk pengembangan ekowisata diperankan oleh pemerintah daerah. Melalui studi kualitatif deskriptif, studi ini menemukan bahwa para pedagang dan pengelola ekowisata memandang adanya prospek yang cerah dalam industri pariwisata. Secara umum pemerintah daerah belum optimal memainkan peran dalam fungsi motivator, fasilitator, dan dinamisator. Dari tiga aspek tersebut, pemerintah daerah kurang optimal dalam memberikan dukungan sarana dan prasarana serta perijinan kawasan, baru optimal dalam memberikan dukungan pengembangan kapasitas. Pengembangan ekowisata masih dipandang sebagai aktivitas ekonomi yang basisnya secara umum adalah inisiatif komunitas, dan belum ditempatkan sebagai aktivitas dimana pengambilan keputusan politik dianggap menentukan arah pengembangan ekowisata ke masa yang akan datang.
COMPARATIVE ANALYSIS OF FINANCIAL PERFORMANCE BEFORE AND AFTER THE IMPLEMENTATION OF BRANCHLESS BANKING IN CONVENTIONAL COMMERCIAL BANKS frisca widya lestari; Nizwan Zukhri; Darman Saputra
Ekspektra : Jurnal Bisnis dan Manajemen Vol 7 No 1 (2023)
Publisher : Universitas Dr. Soetomo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (278.215 KB) | DOI: 10.25139/ekt.v7i1.5784

Abstract

This study aims to analyze the comparison of the financial performance of conventional commercial banks before and after the implementation of branchless banks, namely by measuring the ratios of Return on Assets (ROA), Operational Costs and Operating Income (BOPO), Loan to Deposit Ratio (LDR) and Capital Adequacy Ratio (CAR). This research is a comparative study with a total sample of 7 conventional commercial banks, the sampling of which uses a purposive sampling technique so that the object of research is conventional commercial banks that have not implemented Branchless Banking for five years (2010-2014) and five years after the implementation of Branchless Banking (2015- 2019). Testing the instrument using descriptive analysis and normality test, while for the analytical method using the Paired sample t-test for normally distributed data and the Wilcoxon signed rank test for abnormally distributed data through the SPSS 25 program. The results of this study indicate that based on the results of the Paired test sample t-test on the ROA, BOPO and CAR variables obtained a significance value of 0.00 <0.05, then the RAO, BOPO and CAR variables have significant differences after the implementation of Branchless Banking. Furthermore, based on the Wilcoxon signed rank test on the LDR variable, a significance value of 0.00 <0.05 was obtained, so the LDR variable had a significant difference after the implementation of Branchless Banking. Keywords: Branchless Banking, ROA, BOPO, LDR, CAR
Dari Nature Tourism ke Ecotourism: Menakar Keterpenuhan Prinsip-Prinsip Ecotourism pada Kawasan Wisata Alam di Bangka Belitung: From Nature Tourism to Ecotourism: Assessing the Ecotourism Principles Fulfillment of Tourism Natural Areas in Bangka Belitung Ibrahim Ibrahim; Nizwan Zukhri; Rendy Rendy
Society Vol 7 No 2 (2019): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v7i2.111

Abstract

Bangka Belitung is being transformed into a tourism destination area, relying on nature tourism. But unfortunately, the development of nature tourism does not include the development of ecotourism, even though these two things are interrelated. Nature tourism which is a mainstay of the tourism sector provides a very wide opportunity to strengthen ecotourism as part of the environmental movement in Bangka Belitung. This research aims to find out how the fulfillment of the ecotourism principles of tourism natural areas in Bangka Belitung Islands Province, Indonesia, and identifying unique things related to the application of these principles. Through quantitative research methods with a survey approach that is strengthened by field observations, this research found that assessed from 5 interval categories of the ecotourism principles fulfillment, 58% of the tourism areas in Bangka Belitung were included in the category of fulfilled of the ecotourism principles and 42% were in the strongly fulfilled category of the ecotourism principles. The research also found that although the application of each principle was met, there were unique and interesting notes on each principle.
Intellectual Capital dalam Persepsi Nasabah pada Perbankan Syariah di PangkalpinangIntellectual Capital dalam Persepsi Nasabah pada Perbankan Syariah di Pangkalpinang: Intellectual Capital in Customer’s Perception of Sharia Banking in Pangkalpinang Nizwan Zukhri; Sri Rahayu; Hidayati Hidayati; Erita Rosalina
Society Vol 9 No 1 (2021): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v9i1.245

Abstract

This study investigates the influence of intellectual capital with the dimensions of Human Assets (HC), Structural Capital (SC), and Relationships (RC) on banking performance in the perceptions of customers on Syariah Bank in Pangkalpinang. The choice of method in this research is quantitative with the target of five Sharia banks in Pangkalpinang, namely Bank Syariah Mandiri, BRI Syariah, Bank SumselBabel Syariah, and Bank Muamalat. There were 20 questionnaires distributed in each Sharia bank. The measuring instrument used to calculate the variables is Structure Equation Modeling (SEM). The path coefficient value data processing or path coefficient bootstrapping analysis with the direction of the relationship obtained the human asset variable (HC) results, showing a positive number of 0.361. The structural capital variable (SC) shows a positive number of 0.436, the human asset variable (HC), and the capital variable structural (SC) has a positive effect on banking performance. For the relation variable (RC), the original value showed a positive number of 0.076. The t-statistic value was smaller than the t-value, 0.704 <1.96 so that the relationship variable had no positive effect on banking performance.
Sustainability of Traditional Markets on Face of Modern Market in Province of Bangka Belitung Islands Gani, Azza Faulin; Wardhani, Rulyanti Susi; Yunita, Anggraeni; Zukhri, Nizwan
Journal of Community Service and Society Empowerment Том 3 № 01 (2025): Journal of Community Service and Society Empowerment
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jcsse.v3i01.1166

Abstract

Traditional markets in the Bangka Belitung Province play a significant role in supporting the local economy, particularly for Micro, Small, and Medium Enterprises (MSMEs). However, the emergence of modern markets, which offer convenience, efficiency, and a wider variety of products, presents a major challenge to the sustainability of traditional markets. This study aims to assess the sustainability of traditional markets in Bangka Belitung in the face of competition from modern markets. The methods used include field observations, interviews with traders and market managers, and consumer surveys. The results indicate that the revitalization of traditional markets through infrastructure improvements and digitalization training has enhanced competitiveness. There has been a 15% increase in visitor numbers, and traders who participated in digital training saw an average income increase of 10%. Additionally, 65% of traders have adopted digital payment systems. However, some traders still face difficulties in adopting new technology. Consumer satisfaction has increased from 60% to 78% after revitalization efforts. Collaboration between the government, academics, and the community is a crucial factor in supporting the sustainability of traditional markets amid competition from modern markets.
Pengaruh Permodalan, Rentabilitas Dan Profil Risiko Terhadap Profitabilitas Pada Bank Sumsel Babel Augusti Ulina; Nizwan Zukhri; Darman Saputra
Jurnal Riset Multidisiplin Edukasi Vol. 2 No. 1 (2025): Jurnal Resit Multidisiplin Edukasi (Edisi Januari 2025)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v2i1.35

Abstract

Penelitian ini dilatarbelakangi dengan pentingnya peran bank dalam sektor keuangan untuk menghadapi permasalahan ekonomi termasuk pemulihan ekonomi nasional pasca Covid-19. Pentingnya peran bank menuntut kondisi keuangan bank harus dalam keadaan sehat dengan cara menjaga dan meningkatkan profitabilitas bank. Tujuan penelitian ini untuk menguji pengaruh capital adequacy ratio, net interest margin, biaya operasional pendapatan operasional, non performing loan, loan to deposit ratio, dan posisi devisa neto terhadap profitabilitas (ROA) pada Bank Sumsel Babel. Pendekatan penelitian yang digunakan adalah pendekatan kuantitatif. Penelitian ini menggunakan metode sampling jenuh yang memperoleh 36 sampel, yaitu laporan keuangan triwulan Bank Sumsel Babel periode 2015-2023. Data yang diperoleh perlu dilakukan uji asumsi klasik terlebih dahulu untuk melihat apakah model regresinya dapat dipertanggungjawabkan, kemudian selanjutnya dapat dilakukan analisis regresi linear berganda, uji t, uji f, dan koefisien determinasi (R2). Hasil penelitian dari uji F atau simultan menunjukkan bahwa CAR, NIM, BOPO, NPL, LDR, dan PDN berpengaruh signifikan secara simultan terhadap ROA dengan tingkat signifikansi sebesar 0,043. Hasil penelitian dari uji t atau parsial menunjukkan bahwa variabel CAR berpengaruh negatif signifikan terhadap ROA dan variabel PDN berpengaruh positif signifikan terhadap ROA, sedangkan variabel NIM, BOPO, NPL, dan LDR tidak memiliki pengaruh signifikan terhadap ROA. Hasil penelitian dari uji koefisien determinasi (R2) menunjukkan nilai Adjusted R Square sebesar 0,208 yang berarti besar sumbangan pengaruh CAR, NIM, BOPO, NPL, LDR, dan PDN secara simultan terhadap ROA adalah 20,8 persen, sedangkan sisanya yang sebesar 70,2 persen dipengaruhi oleh variabel-variabel di luar penelitian ini.
Co-Authors AGUSTINI, AISYAH PUTRI Ahfanza Nugraha El Pambajeng Aisyah Putri Agustini Alvi Pradanita Zahri Andriyansah . Anggraeni Yunita Antonio Lisiadi Ari Agung Nugroho Ari Agung Nugroho Ari Agung Nugroho, Ari Ari Agung Nugroho, Ari Agung Arieska Mellynia, Mega Arviza Zulfara Augusti Ulina Awliya Aqdas Belinda Christianingrum Christine Christine Christine Christine Christine Christine Christine* Darman Saputra Darman Saputra Darman Saputra Darman Saputra Darman Saputra Darus Altin Desi Nazarulita Devi Valeriani Dian Prihardini Wibawa Dini Oktariani Dony Yanuar, S.E., M.M. Erinazila Erinazila Erinazila, Erinazila Erita Rosalina Erita Rosalina Feyza Yudhistira frisca widya lestari Gani, Azza Faulin Hamsani Hamsani, Hamsani Handi Jovian Hendrian Hendrian Hidayati Hidayati Hidayati Hidayati Holipah Septrianingsih Husril Husril Ibrahim Ibrahim Ibrahim Ibrahim Ilham Putra Fenza Imanda, Yurliza Indah Noviyanti Ismail , Tubagus Jaka Anggara Julio Julio Karina Novalia Lindiyani Lindiyani MANIK, JEANNE DARC NOVIAYANTI Mastira, Ovina Maya Yusnita Megia Wulandari Muhamad Hijran Muhammad Haikal Faran Fajri Muhammad Hamka Muhammad Hamka Mustofa Thohari Mustofa Tohari Muthia Rahma Putri Dahlia Mutia Andini Nanang Wahyudin Nur Ahmad Ricky Rudianto Nur Ariyani Sulistiawati Dewi Nurhayati Nurhayati Oktapiani Oktapiani Pambajeng, Ahfanza Nugraha El Paulus Freddy Krissanjaya Prakarsa, Yuristian Eka Pronika, Yeni Rendy Rendy Rendy Rendy Reniati Reniati Rin Marka, Kemas Rini Yayuk Priyati, Rini Yayuk Rini Yayuk Proyati Rulyanti Susi Wardhani Ryand Daddy Setyawan Safriansah Safriansah Saputra , Darman Saputra, Darman Shella Pratamawati Shella Pratamawati Sri Rahayu Sri Rahayu Suci Wulandari Sukamto, Ika Sumiyarsi Sulistari Sulistari Sumar, Sumar Syahbari, Ummi Kalsum Tiara Fitari Tsulis Amirudin Zahri Tubagus Ismail Umar Sumardi Ummi Kalsum Syahbari Wari Kartika Sari Wendi Wendi Wendi Wendi Wenni Anggita, Wenni Willa Fatika Sari Yanuar, Dony Zulfara, Arviza