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Efficiency Analysis Of Islamic Rural Banks (BPRS) In Bengkulu And Lampung Provinces Using The Data Envelopment Analysis Approach Cahyono, Andi; Setiawan, Romi Adetio; Kaemah, Tolan; Mufanti, Restu
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2025)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v11i2.5666

Abstract

Purpose: This study analyzes the efficiency of Islamic Public Financing Banks (BPRS) in Bengkulu and Lampung Provinces during 2019–2023 by examining two BPRS in Bengkulu and four BPRS in Lampung with the largest assets and operating for more than five years.Design/methodology: This research employs a quantitative approach using financial reports of BPRS in both provinces. Samples were determined through purposive sampling based on asset size and operational period. Efficiency was measured using the Data Envelopment Analysis (DEA) method, which applies a linear programming system to construct a non-parametric frontier. The input variables were Third-Party Funds (DPK) and Operational Costs, while the output variables consisted of Fixed Assets, Financing, and Operational Income..Findings: The results indicate that several BPRS experienced inefficiencies. In Bengkulu, BPRS Maslahat Dana Syariah Nusantara was inefficient in 2022 due to high operational costs (+10.03%), low financing (-84.20%), and reduced operational income (-78.36%) caused by the COVID-19 pandemic. In Lampung, inefficiency was found in BPRS Kota Bumi (2019) due to high costs (-12.13%) and suboptimal financing and income; BPRS Metro Madani (2021–2022) due to rising costs (+4.51%) and mismatched financing growth; and BPRS Lampung Timur (2020) due to declining income (-4.91%). Overall, Lampung BPRS demonstrated higher efficiency, with an average score of 0.85 compared to Bengkulu’s 0.70, attributed to broader market access and stronger financial performance in urban-based BPRS.Practical Implication: The study highlights key challenges affecting BPRS efficiency, such as frequent regulatory changes and the economic impact of the COVID-19 pandemic. Strengthening fund allocation, improving cost management, and leveraging government policies on financial inclusion can enhance efficiency and market competitiveness.Originality/Value: This research provides new insights into the efficiency of BPRS in Bengkulu and Lampung by comparing their performance within a regional context. The findings underscore the strategic role of BPRS in supporting financial inclusion and ensuring compliance with sharia principles, while offering recommendations for improving operational sustainability
Implementasi proses sertifikasi halal self declare dalam mendukung pertumbuhan UMKM Ariska, Nenda; Setiawan, Romi Adetio; Setiawan, Adi; Zaki, Khozin
Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) Vol. 4 No. 4 (2023)
Publisher : Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jp2m.v4i4.21335

Abstract

Dalam konteks pertumbuhan ekonomi negara, Usaha Mikro, Kecil, dan Menengah (UMKM) memegang peran sentral. Undang-Undang Nomor 33 Tahun 2014 tentang Jaminan Produk Halal (UU JPH) telah mengubah status sertifikasi halal dari yang semula sukarela menjadi wajib. Penerapan Undang-Undang ini menekankan pentingnya peran Pendamping Proses Produk Halal (P3H) untuk membantu pelaku usaha dalam mengurus sertifikasi halal. Tujuan utama dari pendampingan ini adalah meningkatkan jumlah UMKM yang memperoleh sertifikasi halal, memperkuat kepercayaan konsumen, memberikan jaminan dalam proses produksi bagi para produsen, meningkatkan daya saing produk, merangsang pertumbuhan omset penjualan, membuka peluang pemasaran global, serta mematuhi ketentuan pemerintah terkait regulasi halal. Pelaksanaan program pendampingan ini terdiri dari tiga tahap, yaitu: pra pengabdian, pelaksanaan pendampingan, dan evaluasi pasca pendampingan. Kegiatan pendampingan melibatkan beberapa aspek, seperti memberikan pemahaman akan pentingnya sertifikasi halal bagi UMKM, membantu dalam pengurusan legalitas usaha melalui Nomor Induk Berusaha (NIB), dan memfasilitasi program sertifikasi halal gratis (SEHATI). Selanjutnya, pemberian NIB, sertifikat halal, serta logo halal menjadi bagian dari upaya pendampingan ini. Kegiatan ini difokuskan pada pelaku UMKM yang berlokasi di kecamatan tertentu di Kota Bengkulu. Pendampingan dilaksanakan dalam rentang waktu antara 1 Juli hingga 1 November 2023, yang melibatkan 11 pelaku usaha. Melalui kurasi dan sosialisasi self declare, sebanyak 10 UMKM memenuhi persyaratan yang ditetapkan. Hingga akhir Oktober, telah terbit 10 sertifikat halal yang dikeluarkan oleh Majelis Ulama Indonesia (MUI) berdasarkan hasil pendampingan.
THE THE INFLUENCE OF TECHNICAL ANALYSIS, RELATIVE STRENGTH INDEX (RSI) AND MOVING AVERAGE (MA) ON STOCK PURCHASE DECISIONS : Case Study on The Sharia Capital Market in Bengkulu City Mulya Rasyid, Leonardo Duarsie; Setiawan, Romi Adetio; Polindi, Miko
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 02 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i02.9088

Abstract

Sharia capital markets have developed in various countries, each with its own unique investment characteristics. In this context, stock investment decisions in the Sharia capital market can be influenced by various factors. The objective of this study is to determine the effect of technical analysis (X1), the relative strength index (X2), and the moving average (X3) on stock purchase decisions (Y) in the Sharia capital market in Bengkulu City. To test this, the study used a quantitative method with primary data collection techniques in the form of questionnaires distributed to 100 respondents. The data analysis technique used was multiple linear regression using SPSS version 25.0. From the results of the research and discussion, it was found that technical analysis, relative strength index and moving average influenced stock purchasing decisions as indicated by the results of the T test, namely, technical analysis t-count value > t-table (2.115 > 1.660), relative strength index t-count value > t-table (5.600 > 1.660), moving average t-count value > t-table (4.537 > 1660), based on the results of the F test, the results obtained were 65.9% of stock purchasing decisions were influenced by these three factors while 34.1% were determined by other factors.