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All Journal Jurnal Ilmiah Ekonomi dan Bisnis UNES Journal of Swara Justisia Adpebi International Journal of Multidisciplinary Sciences JOURNAL OF COMMUNITY SERVICE AND APPLICATION SCIENCE (JCSAS)
Yunimar
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Religion Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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MARGIN, PLAFOND PEMBIAYAAN DAN PELAYANAN ACCOUNT OFFICER TERHADAP NON PEFORMING FINANCING Nasfi; Yunimar; Adi Prawira; Eka Febrianti; Asnah
Jurnal Ilmiah Ekonomi Dan Bisnis Vol. 20 No. 2 (2023)
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/jieb.v20i2.12408

Abstract

Bank Syariah dalam beroperasional meningkatkan kinerja salah satunya ditentukan oleh faktor atau rasio Non Peforming Financing (NPF). Kinerja NPF dipengaruhi oleh Margin , Plafond dan Pelayanan Account Officer. Tujuan penelitian untuk mengetahui pengaruh Margin Pembiayaan, Plafond Pembiayaan dan Pelayanan Account Officer terhadap Non Peforming Financing (NPF) bank syariah, bank umum syariah dan bank pembiayaan rakyat syariah. Jenis Penelitian Kuantitatif dengan sampel semua perbankan syariah yang beroperasional di Kota Bukittinggi, responden 70 orang dan data dianalisis dengan analisis regresi linear berganda serta waktu penelitian dari Juni sampai Desember 2022. Hasil penelitian, persamaan analisis regeresi linear berganda Y = 7,853 + 0,016X1 + 0,130X2 + 0,647X3, hasil uji F nilai Fhitung 30,940 > Ftabel 2,73, tingkat keyakinan 95% dan signifikan 0,05, disimpulkan pengaruh variabel independen (X1, X2 dan X3) terhadap variabel dependen (Y) dengan simultan. Hasil uji parameter individual menjawab hipotesis pertama diketahui Margin (X1) tidak mempengaruhi NPF secara sifnifikan, jawaban hipotesis kedua dan ketiga, Plafond dan Pelayanan Accoint Officer memiliki pengaruh terhadap NPF perbankan syariah. Islamic banks in their operations improve performance, one of which is determined by the factor or ratio of Non-Performing Financing (NPF). NPF performance is influenced by Margin, Ceiling and Account Officer Services. The aim of the study was to determine the effect of Financing Margins, Financing Ceilings and Account Officer Services on Non-Performing Financing of Islamic banks, Islamic commercial banks and Sharia Rural Bank. Type of Quantitative Research with a sample of all Islamic banking operations in the City of Bukittinggi, 70 respondents and data were analyzed using multiple linear regression analysis and the research time was from June to December 2022. The results of the study, the equation of multiple linear regression analysis, Y = 7.853 + 0.016X1 + 0.130X2 + 0.647X3, F value test results Fcount 30.940 > Ftable 2.73, 95% confidence level and 0.05 significant. concluded the effect of the independent variables (X1, X2 and X3) on the dependent variable (Y) simultaneously. The results of the individual parameter test answer the first hypothesis, it is known that Margin (X1) does not significantly affect NPF, the answers to the second and third hypotheses, Ceiling and Account Officer Services have an influence on NPF of Islamic banking.
Conversion of Conventional Cooperatives to Sharia Affected by Cooperative Skills, Discipline and Work Environment Nasfi, Nasfi; Prawira, Adi; Yunimar; Lutfi, Ahmad; Aziz, Zakaria
Adpebi International Journal of Multidisciplinary Sciences Vol. 1 No. 1 (2022)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijms.v1i1.242

Abstract

This study aims to determine the conversion conventional cooperatives into sharia cooperatives are influenced by skills, discipline and cooperative environment. About 10 cooperatives as well as research samples with 3 respondents per cooperative, so that a total of 30 respondents. Quantitative research method with 30 respondents managing cooperatives (chairman, secretary and treasurer), from 10 cooperatives requested by the Department of Industry and Trade and SMEs of Solok City. The sampling technique used was non-probability sampling with saturated samples or the census method. Collecting data in this study by distributing questionnaires to all respondents. The analytical method used in this study uses multiple linear regression analysis with the help of the SPSS program. Found there is an influence between the variables of management skills, management work discipline, and cooperative work environment simultaneously on the work productivity of managers. Sharia management skills, sharia work discipline and cooperative environment in Solok City have a positive and significant effect on the work productivity.
Penerapan Sanksi Hukuman Disiplin Bagi Melakukan Tindakan Kekerasan Fisik Sesama Narapidana di Rumah Tahanan Negara Oktoriny, Fitra; Jemmy, Marisa; Yunimar
UNES Journal of Swara Justisia Vol 8 No 2 (2024): Unes Journal of Swara Justisia (Juli 2024)
Publisher : Program Magister Ilmu Hukum Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/bt9s8f72

Abstract

Dalam penerapan hukuman disiplin perlu adanya tata tertib yang wajib dipatuhi oleh setiap narapidana dan tahanan serta mekanisme penjatuhan hukuman disiplin. Pasal 1 ayat (7) Peraturan Menteri Hukum dan HAM No. 6 Tahun 2013 tentang Tata Tertib Lembaga Pemasyarakatan dan Rumah Tahanan Negara, yang dimaksud dengan hukuman disiplin adalah hukuman yang dijatuhkan kepada Narapidana atau Tahanan sebagai akibat melakukan perbuatan yang melanggar tata tertib Lembaga Pemasyarakatan dan Rumah Tahanan Negara. Selanjutnya pasal 4 huruf (n) menyebutkan bahwa Setiap Narapidana atau Tahanan dilarang melakukan tindakan kekerasan, baik kekerasan fisik maupun psikis, terhadap sesama Narapidana, Tahanan, Petugas Pemasyarakatan, atau tamu/pengunjung. Peraturan Menteri ini menjadi acuan bahwa untuk menjamin terselenggaranya tertib kehidupan di Lembaga Pemasyarakatan dan Rumah Tahanan Negara dan agar terlaksananya pembinaan narapidana dan pelayanan tahanan perlu adanya tata tertib yang wajib dipatuhi oleh setiap narapidana dan tahanan beserta mekanisme penjatuhan hukuman disiplin.
International PKM enhances the Study of the potential implementation of appropriate technology in Angkasa Malaysia cooperatives to improve education or campus cooperatives. Febriana, Wiwit; Sukmareni; Meita Lefi Kurnia; Yunimar; Machdalena; Maidiawati; Yass Andria
Journal of Community Service and Application of Science Vol. 4 No. 1 (2025): COMMUNITY SERVICE AND APPLICATION SCIENCE (JCSAS)
Publisher : KPN Kopertis X

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62769/cqf6eq24

Abstract

The International Community Service Program (PKM) has become a strategic tool in identifying and encouraging the use of appropriate technology in the development of higher education cooperatives. This study aims to explore the potential implementation of appropriate technology in the management and operational systems of the ANGKASA Malaysia Cooperative as a model for developing campus cooperatives in Indonesia. Through an observational approach, semi-structured interviews, and institutional document review, empirical data were obtained regarding the digitalization and information systems engineering practices implemented by ANGKASA. The study results indicate that technology integration based on the needs of cooperative members can improve service efficiency, financial accountability, and academic community participation. These findings serve as important reflections for higher education cooperatives in Indonesia to adopt similar adaptive and sustainable systems. Therefore, synergy is needed between educational institutions, technology developers, and the government to strengthen the digital cooperative ecosystem on campus.
Co-Authors Adi Prawira AHMAD LUTFI Asnah Aziz, Zakaria Eka Febrianti Febriana, Wiwit Machdalena Maidiawati Marisa Jemmy Meita Lefi Kurnia Nasfi, Nasfi Oktoriny, Fitra Prawira, Adi Sukmareni Yass Andria