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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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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
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