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All Journal Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Samudra Ekonomi dan Bisnis Jurnal Ilmu Manajemen Terapan (JIMT) Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) International Journal of Economics, Management, Business, and Social Science Jurnal Manajemen dan Bisnis Jurnal Manajemen Bisnis dan Organisasi Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS Jurnal Penelitian dan Pengabdian Masyarakat Indonesian Journal of Innovation Multidisipliner Research International Journal of Management and Business Intelligence (IJMBI) PEDAMAS (Pengabdian Kepada Masyarakat) Involvement International Journal of Business Indonesian Journal of Innovation Multidisipliner Research
Saputri, Ika Puji
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PENERAPAN PRINSIP 5C DALAM MENJAGA TINGKAT NON PERFOMING FINANCING (NPF) Putranto, Prihastabrata; Saputri, Ika Puji; Fathihani
Jurnal Manajemen Bisnis Dan Organisasi Vol 2 No 2 (2023): Jurnal Manajemen Bisnis Dan Organisasi (JMBO)
Publisher : Yayasan Pendidikan Cahaya Budaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58290/jmbo.v2i2.128

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan prinsip 5C pada BMT Ash-Shiddiq Indonesia untuk mengendalikan NPF pada pembiayaan mikro syariah. Metode studi lapangan dengan pendekatan korelasional digunakan serta data kualitatif diperoleh dari wawancara dan literatur kepustakaan. Hasil penelitian menunjukkan BMT Ash-Shiddiq aktif menerapkan prinsip 5C dalam pengelolaan risiko pembiayaan mikro. Pendekatan musyawarah, prinsip kemanusiaan, dan jalur hukum digunakan untuk menghadapi pembiayaan bermasalah. BMT juga menerapkan prinsip 5C pada SOP Pemberian Pembiayaan Syirkah dan SOP Pemberian Pembiayaan Murabahah. Dengan mengendalikan risiko, BMT Ash-Shiddiq dapat mempertahankan kredibilitas, kesehatan finansial, keberlanjutan operasional, serta berkontribusi dalam mendukung perekonomian dan masyarakat di Indonesia. Implikasi penelitian ini memberikan wawasan dan rekomendasi bagi lembaga keuangan mikro syariah dalam mengelola risiko dan meningkatkan kinerjanya untuk mendukung perekonomian mikro di Indonesia.
Factors Affecting Mobile Banking Use Behavior: Case Study at Bank BNI Jakarta Fathihani; Saputri, Ika Puji; Randyantini, Vely
INTERNATIONAL JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND SOCIAL SCIENCE (IJEMBIS) Vol. 3 No. 3 (2023): September 2023
Publisher : CV ODIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59889/ijembis.v3i3.200

Abstract

The aim of this study was to determine the effect of Perceived Ease of Use, Perceived Usefulness, and Effort Expectancy on Intention to Use Mobile Banking. It is hoped that the results of this research will contribute to Bank BNI in using the right strategy so that interest in using Mobile Banking can increase. The population in this study are customers who use the Mobile Banking application of PT Bank Negara Indonesia (BNI) in DKI Jakarta, the sample used is 100 respondents spread across the Jakarta area. Data collection was carried out using a questionnaire method in which respondents answered questions arranged in the form of choices and scaled questions using a Likert scale (1-5). The method used in this study is a quantitative analysis using SEM analysis tools and SmartPLS 3.3 tools. The research results show that Perceived Ease of Use and perceived Usefulness, have an effect on Intention to Use Mobile Banking while Effort Expectancy has no effect on Intention to Use Mobile Banking
The Role of Green Banking Implementation in Sharia Banking Performance from an Islamic Perspective Fathihani; Randyantini, Vely; Saputri, Ika Puji
International Journal of Management and Business Intelligence Vol. 2 No. 2 (2024): April 2024
Publisher : MultiTech Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59890/ijmbi.v2i2.1494

Abstract

The aim of this research is to determine the effect of implementing green banking on the profitability of Islamic commercial banks in Indonesia and the concept of green banking from an Islamic perspective. This research was conducted at Islamic commercial banks registered with the Financial Services Authority (OJK) for the 2016-2022 period. The population in this study consisted of 12 Islamic commercial banks. The sample selection used a non-probability sampling method with a purposive sampling technique and a sample of 8 Islamic commercial banks with 7 years of observation was obtained so that 56 research data were obtained. The hypothesis testing method in this research uses a panel data regression model with a Fixed Effect Model (FEM) approach using the EViews program. The urgency of this research is to see the impact of implementing green banking on Sharia banking performance, especially from an Islamic perspective. The research results show that Green Banking practices have a negative and insignificant effect on Sharia banking performance.
Pengaruh Pengungkapan Corporate Social Responsibility, Struktur Modal, dan Financial Distress terhadap Return Saham Perusahaan Manufaktur yang Terdaftar di BEI Tahun 2017-2021 Fathihani; Randyantini, Vely; Saputri, Ika Puji; Wijayanti, Fitri Ayu Kusuma
Jurnal Samudra Ekonomi dan Bisnis Vol 14 No 1 (2023): JSEB
Publisher : Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jseb.v14i1.6046

Abstract

The purpose of this study was to analyze the effect of corporate social responsibility disclosure, capital structure and financial distress on stock returns. The sample is a manufacturing company listed on the IDX between 2017 and 2021. The sampling method was carried out using the convenience sampling method, namely the sample was determined with certain considerations so that 38 companies were selected. Data analysis procedure with multiple linear regression analysis. The test results show that partially, capital structure and financial distress have a positive and significant effect on stock returns; while CSR disclosure proved to have no significant effect on stock returns. Simultaneously, the three independent variables analyzed proved to have a significant effect on stock returns.
Peran citra merek pada pengalaman menggunakan uang elektronik Saputri, Ika Puji; Randyantini, Vely; Nurcahyo, Bagus
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 11 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (498.192 KB) | DOI: 10.32670/fairvalue.v4i11.1787

Abstract

The purpose of this study was to examine the effect of brand image on customer experience in the use of electronic money. Where for the purposes of testing the hypothesis using the dimensions of customer experience sense, feel, think, act and relate. Respondents in this study were users of electronic money issued by Bank Mandiri and BCA as many as 110 respondents with a minimum use of 3 months. Collecting data using a questionnaire and this study in assessing the hypothesis using path analysis. Based on the empirical evidence obtained, the results of this study are known that the brand image variable has a positive effect on customer experience in using electronic money, especially the experience of feeling the ease of refilling, use for payment transactions and the breadth of the reach of electronic money. 
Pendampingan Pengelolaan Investasi Keuangan Bagi Pelaku UMKM Sebagai Dukungan Fungsi Ekonomi Hijau Saputri, Ika Puji; Fathihani, Fathihani; Randyantini, Vely
Jurnal Penelitian dan Pengabdian Masyarakat Vol. 2 No. 3 (2024): August 2024
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/jp2m.v2i3.237

Abstract

The lack of knowledge of MSME actors regarding the concept of green investment means that MSME actors are unable to implement business governance that supports green investment. Therefore, our community service team is trying to help with the problems currently being faced by MSMEs in the Tanjung Duren area, West Jakarta. The first is that we collaborate with MSME players in the Tanjung Duren area to understand financial planning and management well. Second, after the players understand financial management well, we provide solutions to MSME players to choose the right type of investment according to their abilities, especially green investments. Third, provide education on the benefits of green investment that will be felt by MSMEs. Collaboration partners for this activity are 20 MSME Business Actors (Age 20-30 Years) in the Tanjung Duren area, West Jakarta.This method of implementing community service is carried out by providing counseling to the participants in the form of lectures. The method of implementing community service consists of three stages, namely preparation, implementation and evaluation. The results of PkM activities show that MSME actors in the Tanjung Duren area can understand investment, especially green investment. It is hoped that this will give birth to an investment-conscious generation and make Indonesia an investment destination that is friendly to the environment, social and sustainable governance, especially for MSMEs.
PENGARUH DISIPLIN KERJA, IKLIM ORGANISASI DAN KOMITMEN ORGANISASI TERHADAP PRODUKTIVITAS KERJA GURU Ariani, Desi; Saputri, Ika Puji; Suhendar, Indri Astiana
Jurnal Ilmu Manajemen Terapan Vol. 1 No. 3 (2020): Jurnal Ilmu Manajemen Terapan (Januari 2020)
Publisher : Dinasti Review Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/jimt.v1i3.110

Abstract

Tujuan utama dari penelitian ini adalah untuk menguji dan menganalisis pengaruh disiplin kerja, iklim organisasi dan komitmen organisasi terhadap produktivitas kerja pada Sekolah Dasar Islam Assidiqiyah Ciledug. Data dalam penelitian diperoleh dari 56 responden yang merupakan guru di Sekolah Dasar Islam Assidiqiyah Ciledug. Analisis data dalam penelitian ini menggunakan metode alternatif dari structural equation modeling (SEM) yaitu partial least square (PLS). Tahap pertama dalam penelitian ini untuk menguji validitas pertanyaan setiap variabel berikut dengan reliabilitasnya. Tahap kedua menguji hubungan antara disiplin kerja, iklim organisasi dan komitmen organisasi terhadap produktivitas kerja. Hasil dari penelitian ini menyatakan bahwa variabel disiplin kerja, iklim organisasi dan komitmen organisasi berpengaruh positif dan signifikan terhadap produktivitas kerja
DIGITALISASI KEUANGAN: PELATIHAN PENCATATAN LAPORAN KEUANGAN DIGITAL BERBASIS APLIKASI “BUKUWARUNG” PADA UMKM DI WILAYAH TANJUNG DUREN Fathihani, Fathihani; Randyantini, Vely; Saputri, Ika Puji
PEDAMAS (PENGABDIAN KEPADA MASYARAKAT) Vol. 3 No. 01 (2025): JANUARI 2025
Publisher : MEDIA INOVASI PENDIDIKAN DAN PUBLIKASI

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penyusunan Laporan Keuangan merupakan salah satu hal yang terpenting bagi suatu usaha terutama bidang usaha UMKM. Para pelaku UMKM menganggap bahwa melakukan pencatatan pembukuan sulit, memakan waktu dan tidak terlalu penting hal ini dikarenakan pemahaman akan pembukuan dan pencatatan laporan keuangan masih sangat minim. Maka, solusi dari permasalahan ini adalah memberikan pelatihan dan pendampingan pembukuan sederhana UMKM dengan menggunakan aplikasi berbasis digital “Buku Warung” untuk meningkatkan literasi keuangan digital dan mendukung pengelolaan keuangan yang lebih efektif dan efisien. Pelatihan yang diikuti oleh Pelaku UMKM Wilayah Tanjung Duren, Jakarta Barat dengan berbagai jenis usaha. Kegiatan ini memberikan pemahaman praktis mengenai pencatatan transaksi, pengelolaan stok barang, dan pembuatan laporan keuangan secara real-time menggunakan teknologi digital. Pentingnya digitalisasi dalam meningkatkan daya saing UMKM serta peran aplikasi BukuWarung sebagai solusi inovatif dalam mempermudah pengelolaan keuangan bisnis kecil. Metode yang digunakan dalam pelatihan ini yaitu: Identifikasi, Persiapan, Pelaksanaan, dan Evaluasi. Berdasarkan Hasil dari pelatihan penyusunan Laporan Keuangan berbasis digital ini mendapatkan hasil yang positif dalam pemahaman dan mampu diterapkan dalam bisnis usaha. Hasil dari PkM ini didapat evaluasi dengan respon yang sangat baik dan positif dan pelaku UMKM dapat membuat laporan keuangan secara digital.
PENYULUHAN MODEL BISNIS HIJAU UMKM DALAM MENDORONG TRANSORMASI EKONOMI HIJAU Fathihani, Fathihani; Randyantini, Vely; Saputri, Ika Puji
Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS Vol. 2 No. 2 (2024): April
Publisher : CV. Alina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59407/jpki2.v2i2.573

Abstract

Aktifitas bisnis yang ramah lingkungan seringkali disebutkan dengan istilah green business. Transformasi menuju ekonomi hijau dapat digunakan sebagai penggerak pertumbuhan ekonomi yang berkelanjutan dan fokus pada kegiatan yang ramah lingkungan. Bisnis hijau (green business) saat ini telah menjadi isu penting. Gerakan mewujudkan bisnis yang peduli terhadap kelestarian lingkungan dapat di wujudkan baik dalam bisnis berskala besar, menengah dan kecil. Implementasi bisnis hijau di UMKM penting untuk dilakukan guna mendorong terwujudnya ekonomi hijau dan pada akhirnya akan berdampak pada kinerja penjualan UMKM. Kegiatan Pengabdian Pada Masyarakat ini bertujuan untuk peningkatan pemahaman atas wawasan dan model binis hijau untuk pelaku UMKM. Dengan mendapatkan pemahaman mengenai model bisnis hijau ini dapat mendorong pengetahuan para pelaku UMKM menjadi lebih baik. Mitra kerjasama kegiatan ini adalah Pelaku Usaha UMKM (Usia 20-30 Tahun) sebanyak 20-30 orang, khususnya yang sudah bekerja dan memiliki penghasilan bertempat tinggal di wilayah Tanjung Duren, Jakarta Barat. Metode pelaksanaan pengabdian kepada masyarakat terdiri dari tiga tahap yaitu persiapan, pelaksanaan dan evaluasi. Hasil kegiatan PkM menunjukkan bahwa Pelaku UMKM di wilayah tanjung duren dapat memahami tentang model bisnis ekonomi hijau.
Determinants of Profitability in Indonesian Islamic Banks Anugra, Triadi Septian; Fathihani, Fathihani; Saputri, Ika Puji
Indonesian Journal of Innovation Multidisipliner Research Vol. 3 No. 1 (2025): March
Publisher : Institute of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijim.v3i1.273

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), NonPerforming Financing (NPF), Operating Costs to Operating Income (BOPO), and Financing to Deposit Ratio (FDR) on the profitability of Islamic commercial banks for the period 2019–2023. A quantitative approach is used, using secondary data sourced from the annual financial reports of 12 Islamic banks registered with the Financial Services Authority (OJK). The research findings reveal that CAR has a significant positive effect on ROA, indicating that higher capital buffers increase profitability. Conversely, NPF has a negative impact on ROA, highlighting the adverse impact of credit risk on bank performance. BOPO has a significant negative impact on ROA, emphasizing the importance of operational efficiency in increasing profitability. FDR shows a positive and significant relationship with ROA. These findings provide practical insights for bank management and regulators to improve operational efficiency and credit quality, which ultimately supports the sustainable growth of Islamic banking in Indonesia.
Co-Authors Anugra, Triadi Septian Apriani, Ari Desi Ariani Fathihani Fathihani, Fathihani Hani, Fathi Mareta, Sigit Nurcahyo, Bagus Putranto, Prihastabrata Randyantini, Vely Santoso, Natalia Siti Annisa Wahdiniawati, Siti Annisa Suhendar, Indri Astiana Wijayanti, Fitri Ayu Kusuma