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All Journal Iqtishodia: Jurnal Ekonomi Syariah Asian Journal of Management Analytics Al-Muraqabah: Journal of Management and Sharia Business Journal of Economics and Tourism
Hariyanti, Sri
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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A Study on Financial Soundness at Indonesian Islamic Bank Hidayah, Islamiati; Hariyanti, Sri; Kusumawardhany, Sayekti Indah
Iqtishodia: Jurnal Ekonomi Syariah Vol. 9 No. 2 (2024): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v9i2.1270

Abstract

This study aims to investigate the soundness of Islamic Bank in Indonesia. Particularly at PT. Bank Muamalat Indonesia, Tbk through RGEC (Risk Profile, Good Corporate Governance, Earning, and Capital). This study is a quantiative study and employs multiple regression analysis to analyze the data from annual report of Bank Muamalat Indonesia. RGEC method was employes to measure the financial distress which includes components of Risk Profile, Good Corporate Governance, Earnings, and Capital. The Risk Profile is proxied by Non-Performing Finance (NPF) and Financing to Deposit Ratio (FDR). Earnings are proxied by Return on Assets (ROA), Return on Equity (ROE). Capital is peroxided by the Capital Adequacy Ratio (CAR). The result of this study shows NPF, FDR, RoA, RoE, and CAR are partially and simultanousely influence financial distress of Islamic Bank especially in Bank Muamalat Indonesia. Particularly, NPF and RoE have a positive relationship with financial distress while FDR, RoA, and CAR have a negative relationship with financial distress
Analysis Of Public Relations Strategy In Maintaining Customer Trust: Study at PT. Bumiputera Sharia Life Insurance Kediri Branch Cahya Intanesia, Indah; Andriani; Hariyanti, Sri
Benefits : Jurnal Ekonomi dan Pariwisata Internasional Vol 2 No 1 (2025): Inovasi dalam Ekonomi Kreatif: Mendorong Pertumbuhan Ekonomi melalui Kewirausahaa
Publisher : Yayasan Penelitian dan Pengabdian Masyarakat Sisi indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69836/benefits-jeti.v2i1.147

Abstract

A state-owned insurance company owned by a State-Owned Enterprise (BUMN) with indications of losses of 13.7 trillion which had a systemic impact on the Indonesian economy. The negative stigma regarding insurance is so difficult to eliminate that it has an impact on public trust in the sharia insuranceindustry. PT. Bumiputera Sharia Life Insurance Kediri was affected by the national crisis-trust, the result in claims debt costs arised. The purpose of this research is to analyze the public relations strategy of PT. Bumiputera Sharia Life Insurance Kediri in maintaining customer trust. This research is qualitative type using descriptive analysis. The data taken is primary data and secondary data. This research uses case studies that obtain observation data on an object and from various sources such as books, scientific articles, official websites, and data reports on the objects studied. The results of this research explain that strategy public relations used by PT. Bumiputera Sharia Life Insurance, Kediri branch, namely making an apology, stopping marketing until the problem is resolved, encouraging a positive track record, and appointing an unofficial spoke person. The role of strategy public relations PT. Bumiputera Sharia Life Insurance, Kediri branch, still has customers who persist and regularly pay premiums, amounting to 96% of the total number of customers or 2,014 surviving customers.
Horizontal Product Diversification Strategy to Increase the Competitiveness of MSMEs Hariyanti, Sri; Sudarmiatin; Wardana, Ludi Wishnu
Asian Journal of Management Analytics Vol. 2 No. 4 (2023): October 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajma.v2i4.6596

Abstract

The development of the culinary business in Indonesia is increasingly rapid and diverse in meeting the increasingly complex needs of society in line with changes in life style. Companies/MSMEs are required to be able to fulfill consumer requests or desires, so that they can compete, efforts need to be made to increase product quality and variety (horizontal diversification of products) in order to produce products that consumers are interested in. This research aims to find out how the horizontal product diversification strategy is implemented at CV.Bolu Ketan Minister of Forestry and to determine the increase in CV's competitiveness. Minister of Forestry's Sticky Rice Bolu after implementing a horizontal product diversification strategy. Therefore, a qualitative approach is used to determine the condition of natural objects, where the researcher is the key instrument. The results of this research show that CV. Bolu Ketan Mendhut has implemented a horizontal product diversification strategy so that it has many flavor variants in its products and various sizes to meet consumer demand and from implementing this strategy it has apparently increased its competitiveness among its competitors.
Pengaruh Perceived Desirability Terhadap Entrepreneurial Intention Pada Generasi Z Yang Berdomisili di Kota Kediri Hariyanti, Sri; Oktaria Ardika Putri
Al-Muraqabah: Journal of Management and Sharia Business Vol. 5 No. 1 (2025): Al-Muraqabah: Journal of Management and Sharia Business
Publisher : Sharia Business Management Study Program, Faculty of Economics and Islamic Business at IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/al-muraqabah.v5i1.2578

Abstract

Penelitian ini bertujuan untuk mengeksplorasi pengaruh perceived desirability terhadap niat berwirausaha (entrepreneurial intention) pada Generasi Z yang berdomisili di Kota Kediri. Generasi Z dikenal sebagai generasi digital yang memiliki ketertarikan tinggi terhadap dunia kewirausahaan, namun belum sepenuhnya terungkap faktor-faktor pendorong utamanya. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan metode survei dan wawancara mendalam terhadap beberapa informan yang merupakan anggota Generasi Z di Kediri. Hasil penelitian menunjukkan bahwa persepsi terhadap keinginan untuk berwirausaha dipengaruhi oleh sejumlah faktor, seperti nilai sosial, motivasi intrinsik, dukungan lingkungan, serta ekspektasi terhadap keberhasilan bisnis. Faktor perceived desirability yang kuat terbukti mendorong lahirnya niat untuk berwirausaha, khususnya di bidang industri kreatif seperti kuliner, Fashion, dan digital marketing. Temuan ini memperkuat teori Entrepreneurial Event Model Shapero dan Sokol serta menegaskan pentingnya pendekatan yang relevan secara kultural dan generasional dalam membangun ekosistem kewirausahaan. Penelitian ini merekomendasikan penguatan program pembinaan dan promosi wirausaha yang berbasis minat generasi muda, guna mendukung pertumbuhan ekonomi lokal yang berkelanjutan.
Co-Authors Andriani Cahya Intanesia, Indah Hidayah, Islamiati Kusumawardhany, Sayekti Indah Ludi Wishnu Wardana Oktaria Ardika Putri Sudarmiatin