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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) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) 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 Pengabdian West Science 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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Optimalisasi Pendekatan Islamicity Performance Index Guna Meningkatkan Stabilitas Perbankan Syariah: Praktik Green Banking Sebagai Moderasi Fathihani; Santoso, Natalia; Randyantini, Vely; Mareta, Sigit; Saputri, Ika Puji
JURNAL MANAJEMEN PENDIDIKAN DAN ILMU SOSIAL Vol. 6 No. 2 (2025): Jurnal Manajemen Pendidikan dan Ilmu Sosial (Februari - Maret 2025)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jmpis.v6i2.4275

Abstract

Sistem keuangan berperan penting dalam perekonomian dan berfungsi mengalokasikan dana dari pihak yang mengalami surplus kepada yang mengalami defisit. Apabila sistem keuangan tidak stabil dan tidak berfungsi secara efisien, pengalokasian dana tidak akan berjalan dengan baik sehingga dapat menghambat pertumbuhan ekonomi. Penelitian ini bertujuan untuk menganalisis pengaruh Islamicity Performance Index terhadap stabilitas Bank Umum Syariah di Indonesia dengan praktik green banking sebagai variabel moderasi. Data yang digunakan dalam penelitian ini adalah data sekunder yang bersumber dari Otoritas Jasa Keuangan dan Bursa Efek Indonesia dengan periode 2017-2023. Populasi dalam penelitian ini berjumlah 14 bank umum syariah. Pemilihan sampel menggunakan metode non probability sampling dengan teknik purposive sampling dan didapatkan sampel sebanyak 8 bank umum syariah dengan 7 tahun pengamatan sehingga diperoleh 56 data penelitian. Metode penggujian hipotesis dalam penelitian ini menggunakan model regresi data panel dengan menggunakan program Eviews.  Urgensi dari penelitian ini adalah untuk melihat dampak penerapan Islamicity Performance Index dan Praktik Green Banking bagi stabilitas Bank Umum Syariah, khususnya dari sudut pandang islam. Hasil penelitian menunjukkan bahwa praktik  Islamicity Performance Index  yang dimoderasi dengan praktik Green Banking berpengaruh positif signifikan terhadap  stabilitas Bank Umum Syariah.
Capital Adequacy, Credit Risk, and Efficiency in Islamic Bank Profitability Hani, Fathi; Saputri, Ika Puji; Randyantini, Vely
Involvement International Journal of Business Vol. 2 No. 2 (2025): April 2025
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v2i2.116

Abstract

Islamic commercial banks have gained prominence in Indonesia’s financial system, yet their profitability still lags behind conventional banks. Understanding the financial determinants that influence the profitability of these institutions is critical for improving their competitiveness and ensuring sustainable growth. This study investigates the effects of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Operating Costs to Operating Income (BOPO), and Financing to Deposit Ratio (FDR) on bank profitability, measured by Return on Assets (ROA). This research adopted a quantitative approach using secondary data from the annual financial statements of 12 Islamic commercial banks registered with the Financial Services Authority (OJK) of Indonesia, covering the years 2019 to 2023. Multiple linear regression analysis was applied after conducting descriptive statistics and classical assumption tests, including normality, multicollinearity, heteroscedasticity, and autocorrelation. The regression model was used to examine the relationship between the four independent variables (CAR, NPF, BOPO, FDR) and ROA. The findings show that CAR and FDR have a significant positive effect on ROA, indicating that strong capital adequacy and efficient liquidity management improve profitability. In contrast, NPF and BOPO negatively affect ROA, demonstrating that high credit risk and operational inefficiency diminish bank performance. The regression model explains 72.3% of the variance in ROA, confirming the robustness and relevance of the selected variables in determining profitability. The results are consistent with agency and liquidity preference theories and highlight the distinctive challenges faced by Islamic banks, such as compliance-related costs and limitations in accessing conventional financial instruments. Operational efficiency, credit quality, and liquidity management emerge as critical strategic areas. 
PERAN CITRA DESTINASI, AKSESIBILITAS, DAN KEPUASAN WISATAWAN DALAM MENINGKATKAN NIAT KUNJUNGAN ULANG WISATAWAN KE YOGYAKARTA Apriani, Ari; Wahdiniawati, Siti Annisa; Saputri, Ika Puji; Randyantini, Vely
Jurnal Manajemen dan Bisnis Vol 5, No 1 (2025)
Publisher : Universitas Prof. Dr. Moestopo (Beragama)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32509/jmb.v5i1.5296

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh citra destinasi, aksesibilitas, dan kepuasan wisatawan terhadap niat kunjungan ulang wisatawan ke Yogyakarta. Permasalahan utama yang diangkat adalah rendahnya tingkat kunjungan ulang meskipun Yogyakarta memiliki potensi wisata yang unggul. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner yang dibagikan kepada wisatawan yang telah mengunjungi Yogyakarta. Data dianalisis menggunakan model persamaan struktural berbasis varians (PLS-SEM). Hasil penelitian menunjukkan bahwa citra destinasi dan aksesibilitas memiliki pengaruh positif dan signifikan terhadap kepuasan wisatawan, serta terhadap niat kunjungan ulang. Selain itu, kepuasan wisatawan juga ditemukan memediasi pengaruh citra destinasi terhadap niat kunjungan ulang, namun tidak memediasi pengaruh aksesibilitas. Indikator utama yang memengaruhi citra destinasi adalah keunikan budaya dan keramahan masyarakat, sedangkan aksesibilitas dipengaruhi oleh ketersediaan transportasi dan infrastruktur yang memadai. Penelitian ini sejalan dengan studi terdahulu yang menunjukkan pentingnya pengelolaan citra destinasi dan aksesibilitas dalam meningkatkan loyalitas wisatawan. Implikasi dari penelitian ini adalah pentingnya pendekatan strategis yang holistik dalam pengelolaan destinasi wisata. Pengelola destinasi disarankan untuk meningkatkan citra dan aksesibilitas destinasi, sekaligus menciptakan pengalaman wisata yang memuaskan untuk mendukung keberlanjutan pariwisata. Dengan demikian, Yogyakarta dapat mempertahankan posisinya sebagai destinasi wisata unggulan yang mampu menarik wisatawan untuk kembali. Penelitian ini juga membuka peluang untuk eksplorasi variabel tambahan seperti teknologi dan keberlanjutan dalam konteks pengembangan pariwisata.
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.
Penyuluhan Literasi Keuangan Digital Ekonomi Hijau Terhadap Pemberdayaan UMKM Randyantini, Vely; Fathihani, Fathihani; Saputri, Ika Puji
Jurnal Penelitian dan Pengabdian Masyarakat Vol. 2 No. 2 (2024): May 2024
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/jp2m.v2i2.236

Abstract

The development and progress of digital technology in the financial services sector can be utilized for business development, especially for MSMEs. However, the lack of digital financial literacy means that MSME players, especially digital-based ones, cannot use digital financial services properly, so many are exposed to illegal online loans. This Community Service activity aims to increase understanding of digital financial literacy as a form of green economic support for MSMEs. Through this activity, it is hoped that it can improve the knowledge of MSME players. Collaboration partners for this activity are 20-30 MSME Business Actors (Aged 20-30 Years), especially those who are already working and have an income who live in the Tanjung Duren area, West Jakarta. The method of implementing community service is carried out by conducting outreach which consists of three stages, namely preparation, implementation and evaluation. The results of the PkM activities show that participants can understand digital financial literacy well, that is, they are able to manage and utilize finances optimally and can use digital financial services according to their business needs
QRIS Adoption Intention for MSMEs in Indonesia: Integration of Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB) to Accelerate Digital Transformation Wahdiniawati, Siti Annisa; Randyantini, Vely; Apriani, Ari; Saputri, Ika Puji
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 6 (2026): Dinasti International Journal of Economics, Finance & Accounting (January - Feb
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i6.5674

Abstract

The urgency of this research is to be carried out considering the low adoption of QRIS among MSMEs in Indonesia (only 46.4% of 65 million MSMEs), even though QRIS offers cost efficiency, market expansion, and transaction transparency. This low penetration has the potential to hamper the financial inclusion and competitiveness targets of MSMEs in the 2024 Digital Indonesia roadmap. The purpose of the study was to analyze the dominant factors of QRIS adoption intention through the integration of Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB), combining psychological variables (attitude), technological perception (perceived ease of use, perceived usefulness), social factors (subjective norm), and perceived behavioral control. The method used is mixed methods by distributing questionnaires to MSMEs that have not yet adopted QRIS in Greater Jakarta (PLS analysis) and in-depth interviews with 7 MSME actors to uncover structural (infrastructure, digital literacy) and cultural barriers (non-cash transaction resistance). The sample of this study is 140 business actors who have not used QRIS. The results of the interview concluded that perceived cost is an obstacle for MSME actors not to use QRIS, then it is lowered to a research variable and included in the research model. The findings of this study are that perceived ease of use and perceived usefulness have a positive and significant effect on attitude, perceived cost, attitude, perceived behavioral control have a positive and significant effect on intention to use, while subjective norms have no effect on intention to use. Furthermore, attitude can mediate the influence of perceived ease of use and perceived usefulness on intention to use.
Meningkatkan Produktifitas Ibu Rumah Tangga Melalui Self Branding Rahmat, Rahmat; Nasution, Ibnu Haris; Yuwono, Imam; Saputri, Ika Puji; Randyantini, Velly; Kurniawan, Anton; Rahmanto, Basuki Toto
Jurnal Pengabdian West Science Vol 5 No 03 (2026): Jurnal Pengabdian West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jpmws.v5i03.3250

Abstract

Tujuan pengabdian Masyarakat memberikan pemahaman kepada tim kelompok PKK RT. 07 Jati Rangon, Bekasi, sebagai pelopor wanita penggerak sosial masyarakat di lingkungan rumah tangga dan rukun tetangga. Program pengabdian dirancang untuk meningkatkan pemahaman terkait pentingnya personal branding bagi para wanita penggerak tim PKK. Kegiatan dilaksanakan melalui tahapan sistematis yang meliputi analisis kebutuhan mitra, persiapan materi, pelaksanaan kegiatan, serta evaluasi keberlanjutan program pengabdian. Metode pelaksanaan mencakup pendekatan seminar diskusi partisipatif, dengan melibatkan mitra terkait materi yang diberikan. Hasil kegiatan menunjukkan bahwa mitra puas dengan adanya kegiatan dan materi yang diberikan, serta peran serta mitra dalam diskusi aktif serta saran untuk kegiatan selanjutnya. Rekomendasi untuk kegiatan lebih lanjut melalui pelatihan berkelanjutan terutama terkait kewirausahaan dan perencanaan pengelolaan keuangan keluarga.
Co-Authors Anugra, Triadi Septian Apriani, Ari Basuki Toto Rahmanto Desi Ariani Fathihani Fathihani, Fathihani Hani, Fathi Imam Yuwono Mareta, Sigit Nasution, Ibnu Haris Nurcahyo, Bagus Putranto, Prihastabrata Rahmat Rahmat Randyantini, Velly Randyantini, Vely Santoso, Natalia Siti Annisa Wahdiniawati, Siti Annisa Suhendar, Indri Astiana Wijayanti, Fitri Ayu Kusuma