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All Journal Almana : Jurnal Manajemen dan Bisnis JURNAL MANAJEMEN BISNIS Jurnal Tabarru': Islamic Banking and Finance JESI (Jurnal Ekonomi Syariah Indonesia) Amwaluna Jurnal Ekonomi dan Keuangan Syariah Bantenese Jurnal Pengabdian Masyarakat Jurnal Ekonomi Manajemen Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Journal of Digital Marketing and Halal Industry Journal of Islamic Economics and Finance Studies ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING Jurnal Keuangan dan Akuntansi Terapan (KUAT) BanKu: Jurnal Perbankan dan Keuangan International Journal of Management Research and Economics ISCO Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
Sani, Ageng Asmara
Universitas Siliwangi, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Law, Crime, Criminology & Criminal Justice Nursing Social Sciences Other

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MENUJU UMKM BANKABLE: PELATIHAN DAN PENDAMPINGAN TRANSAKSI DIGITAL BERBASIS QRIS DI DESA PUTRAPINGGAN Mira Rahmawati; Wilman Marino; Annas Syams Rizal Fahmi; Ageng Asmara Sani; Dede Arif Rahmani
BANTENESE : JURNAL PENGABDIAN MASYARAKAT Vol. 8 No. 2 (2026): Bantenese: Jurnal Pengabdian Masyarakat
Publisher : Pusat Studi Sosial dan Pengabdian Masyarakat Fisipkum Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/w6aha476

Abstract

Transformasi ekonomi digital menuntut sektor Usaha Mikro, Kecil, dan Menengah (UMKM) untuk beradaptasi dengan instrumen pembayaran non-tunai guna meningkatkan efisiensi operasional. Namun, pelaku UMKM di Desa Putrapinggan, Kabupaten Pangandaran, masih menghadapi tantangan rendahnya literasi finansial dan ketergantungan yang tinggi pada transaksi tunai. Kegiatan pengabdian masyarakat ini bertujuan untuk mengintroduksi, mensosialisasikan, serta mendampingi pelaku UMKM dalam mengimplementasikan teknologi Quick Response Code Indonesian Standard (QRIS). Metode pelaksanaan program meliputi tahap identifikasi kebutuhan melalui wawancara dan Focus Group Discussion (FGD), pelatihan literasi keuangan dan simulasi transaksi digital, serta pendampingan aktivasi QRIS yang dilakukan berkolaborasi dengan Bank Mandiri Taspen selaku mitra perbankan. Kegiatan yang dilaksanakan pada 16 Juli 2026 ini diikuti oleh 38 pelaku UMKM secara aktif. Hasil kegiatan menunjukkan tingkat konversi adopsi langsung sebesar 34,2%, di mana 13 pelaku UMKM berhasil membuka rekening settlement dan menerima media QRIS akrilik resmi untuk lokasi usaha mereka. Berdasarkan analisis Technology Acceptance Model (TAM), adopsi ini didorong oleh kuatnya persepsi akan kemudahan dan manfaat teknologi, sementara hambatan administratif dan kecemasan teknologi (technological anxiety) menjadi kendala bagi peserta lainnya. Secara makro, integrasi ini berkontribusi dalam membangun jejak digital (digital footprint) yang mendukung inklusi keuangan dan akses permodalan UMKM di masa depan.
Banking Resilience Under Geopolitical Risk: The Moderating Role of Gender Diversity Deny Hidayat; Sakifah Sakifah; Ageng Asmara Sani; Dedeh Sri Sudaryanti
International Journal of Management Research and Economics Vol. 4 No. 3 (2026): August : International Journal of Management Research and Economics
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/ijmre-itb.v4i3.4819

Abstract

This study assessed the impact of Geopolitical Risk (GPR) on bank performance and the role of gender diversity in that relationship. The study used panel data from 41 banks listed on the Indonesia Stock Exchange over the 2017–2025 period ( 369 observations). Bank performance is measured using Return on Assets (ROA), while the control variables used include bank size, Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), and Loan-to-Deposit Ratio (LDR). The analysis was conducted using a Random Effects Model with robust standard errors. The results show that GPR has a positive and significant effect on ROA. This means that an increase in geopolitical risk during the study period was not accompanied by a decline in bank profitability. Gender diversity was also found to moderate this relationship in a negative direction; thus, the higher the gender diversity, the weaker the positive effect of GPR on ROA. Regarding the control variables, bank size has a positive effect on ROA, while NPL has a negative effect. Meanwhile, CAR and LDR do not have a significant effect on ROA. The results indicate that banks’ responses to geopolitical risks are not only related to external conditions but are also influenced by governance characteristics and the quality of the bank’s internal management.
Determinants of Banking Financial Performance in Indonesia: An Empirical Analysis of Financial Statements Muyassaroh Faizzatus Sufiani; Ageng Asmara Sani
BanKu: Jurnal Perbankan dan Keuangan Vol 6, No 1 (2025): Volume 6, Nomor 1, Februari 2025
Publisher : Program Studi Perbankan dan Keuangan Fakultas Ekonomi Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/banku.v6i1.15116

Abstract

The official end of the COVID-19 pandemic status requires financial performance adjustments in Indonesia's Islamic banking industry. This study aims to analyze and compare the financial performance of Islamic banking during the COVID-19 pandemic (October 2021 – May 2023) and post-COVID-19 (June 2023 – January 2024). The financial performance indicators observed include Return on Assets (ROA), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Expenses to Operating Income (BOPO). Using a quantitative approach with 40 monthly observations (20 months during the pandemic and 20 months post-pandemic), hypothesis testing was conducted using the non-parametric Wilcoxon Signed Rank Test due to non-normally distributed data. The results revealed a statistically significant difference in NPF (Z=-3.921;p=0.000) and FDR (Z=-3.920;p=0.000) between the pandemic and post-pandemic periods. Conversely, ROA (Z=-0.867;p=0.386) and BOPO (Z=-1.904;p=0.057) showed no statistically significant differences. These findings indicate that Islamic banking exhibits deep resilience in fundamental profitability and operational efficiency, while experiencing structural adjustments in financing quality and liquidity expansion post-pandemic.
Co-Authors Abdullah, Norhayati Binti Al Haq Kamal Al Haq Kamal Allicia Deana Santosa Andri Helmi Munawar Annas Syams Rizal Fahmi Asep Budiman Badriatin, Tine Baiq Ismiati Brojosetami, Prabumadya Cindera Syaiful Nugraha Dadang Heksaputra Dede Arif Rahmani Dede Arif Rahmani Dedeh Sri Sudaryanti Dedeh Sri Sudaryanti, Dedeh Sri Deny Hidayat Deny Hidayat Dhidhin Noer Ady Rahmanto Feni Nurwiyanti Hidayat, Deny Ilmiah, Dunyati Irsyad Syaiful Muhammad Jurni Hayati Kamal, Al- Haq Kurniawan Kusumaningdyah Retno Setiorini Lucky Radi Rinandiyana Mira Rahmawati Mira Rahmawati Muhammad Joko Umbaran Haris Bahrudin Mulyani, Elis Listiana Munawar, Andri Helmi Muyassaroh Faizzatus Sufiani Paturochman, Iwan Ridwan Purbowisanti, Ratih Ragil Satria Wicaksana Rahmayanti, Dini Sakifah Sakifah Sakifah Sakifah Sakifah Sakifah Sakifah, Sakifah Subrata, Ali Syaiful Muhamad Irsyad Tyagita Dianingtyas Sudibyo Umi Saniatun Diniyah Wilman Marino Wilman San Marino Wonoseto, Muhammad Galih Wursan Wursan