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Perbedaan NPF dan FDR Bank Muamalat antara Sebelum dan Selama Pandemi Covid-19 Pringgabayu, Dematria; Afgani, Kurnia Fajar; Ricederia, Alda
Jurnal Maps (Manajemen Perbankan Syariah) Vol 4, No 2 (2021)
Publisher : Universitas Ma'soem

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32483/maps.v4i2.59

Abstract

This research was conducted to analyze and describe the NPF and FDR ratio of Bank Muamalat Indonesia between before and during the Covid-19 pandemic. The method used in this research is quantitative with research data in the form of secondary data. The data were collected using the documentation method and analyzed using the descriptive statistic and independent sample t-test. The results of the study state that the NPF and FDR value of Bank Muamalat Indonesia was differ between before and during the Covid-19 pandemic, although not statistically significant. The difference in terms of NPF indicates that the financing risk faced by Bank Muamalat Indonesia during the pandemic period is greater. The difference in terms of FDR indicates the existence of prudence from banks in distributing financing to the public because the business situation is not conducive during the Covid-19 pandemic.
ANALYSIS OF NON PERFORMING FINANCING AND LIQUIDITY RATIO OF ISLAMIC BANKING IN INDONESIA BEFORE AND DURING COVID-19 PANDEMIC CASE STUDY OF MUAMALLAT BANK Ricederia, Alda; Afgani, Kurnia Fajar
Journal of Business and Management Vol 10, No 1 (2021)
Publisher : Journal of Business and Management

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

Abstract

This research was conducted to analyze and describe the NPF and FDR ratio of Bank Muamalat Indonesia between before and during the Covid-19 pandemic. The method used in this research is quantitative with research data in the form of secondary data. The data were collected using the documentation method and analyzed using the descriptive statistic and independent sample t-test. The results of the study state that the NPF and FDR value of Bank Muamalat Indonesia was differ between before and during the Covid-19 pandemic, although not statistically significant. The difference in terms of NPF indicates that the financing risk faced by Bank Muamalat Indonesia during the pandemic period is greater. The difference in terms of FDR indicates the existence of prudence from banks in distributing financing to the public because the business situation is not conducive during the Covid-19 pandemic. Banks are trying to be more selective in channeling financing so that the credit risks faced do not get bigger.Keywords: NPF, FDR, Bank Muamalat, Pandemi Covid-19
The Identification of Potential Rafting Tourism Products in Citepok Village, Sumedang Regency, West Java Province Satriani Siti Nurlaila; Eko Susanto; Kurnia Fajar Afgani
Journal of Tourism Sustainability Vol. 1 No. 1 (2021): Volume 1 Number 1 (2021)
Publisher : Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (825.366 KB)

Abstract

Sumedang Regency is a natural, historical and cultural tourist destination. There are still many tourism potentials that have not been built and developed optimally. The natural resources of the Sumedang regency in rivers can be used as unique interest tourism resources, namely rafting. These resources can support the vision and mission of tourism in Sumedang regency who want to build their territory as a natural, historical and cultural tourism destination and special interests that are well known both nationally and internationally. To find out the potential of research conducted with the title Of Analysis of Tourism Product Potential in Sumedang Regency. The method of research conducted is qualitative. Data collection methods include observation, interviews, documentation and library studies. While the data analysis techniques used are descriptive. The results showed that, especially in the Cipeles river, Citepok village could develop rafting tourism products. The unique attraction of the Cipeles river is that the river flow is in grade 2 rafting path and a line flanked by beautiful rock cliffs. Tourist facilities such as inns and restaurants are adequate. Additional services such as financial, security, health and rafting services are available around Citepok village.
Pelatihan Pengemasan Paket Wisata dan Media Promosi Digital Bagi Pelaku Pariwisata Di Kawasan Wisata Sawarna Kabupaten Lebak Provinsi Banten Kurnia Fajar Afgani; Yunieta Anny Nainggolan; Raden Aswin Rahadi; Asep Darmansyah; Dematria Pringgabayu; Octaviani Ratnasari Santoso; Adam Aliya Silmi; Eko Susanto; Syifaa Novianti; Chandra Budhi Septyandi; Mega Fitriani Adiwarna Prawira
JATI EMAS (Jurnal Aplikasi Teknik dan Pengabdian Masyarakat) Vol 5 No 3 (2021): Jati Emas (Jurnal Aplikasi Teknik dan Pengabdian Masyarakat)
Publisher : Dewan Pimpinan Daerah (DPD) Perkumpulan Dosen Indonesia Semesta (DIS) Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36339/je.v5i3.504

Abstract

The development of community-based tourism is an alternative approach to improving the welfare of a community. Based on this concept, community service activities are carried out to strengthen tourism management competencies for the community in the Sawarna Beach Area. The activities are carried out using off-site and on-site concepts through the application of training modules and workshops on the preparation of an electronic catalog. Pokdarwis Tanjung Layar as a partner for community service activities shows full support in the form of participating in all series of activities and providing input on packaging thematic tour packages. The results of this activity are in the form of 5 (five) electronic catalogs regarding the theme of tourism products in the Sawarna Beach Tourism Area, namely adventure, culture, nature, fishing and geoparks. This community service activity is expected to be followed up by tourism actors in the Sawarna Beach Tourism Area in order to sharpen and expand the benefits of the activities that have been carried out.
Indonesian and Malaysian Labor Law Comparative Study In Enhancing The Competitiveness of Workers In The Framework of The Asean Economic Community Emilia Fitriana Dewi; Dematria Pringgabayu; Kurnia Fajar Afgani; Yani Pujiwati; Isti Raafaldini Mirzanti
Journal Research of Social Science, Economics, and Management Vol. 2 No. 5 (2022): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2927.673 KB) | DOI: 10.59141/jrssem.v2i05.345

Abstract

The Employment conditions have various labor problems ranging from wage policies, working time, occupational safety and health, social security and maternity protection, equality of opportunity and non-discrimination, and freedom of association, to the lack of employment opportunities and the increasing unemployment rate. Within the framework of the MEA, Indonesia and Malaysia need to develop labor institutions through the development of human resources in preparing competent workers according to the directives of the AEC blueprint. HR development can be carried out in accordance with the rule of law by preparing the workforce of each country at the ASEAN level. MEA facilitates the movement of skilled workers to be accepted in ASEAN member countries and the flow (in and out) of labor between ASEAN member countries is very open, for that there will be competition between countries in skilled labor.
Strategi Peningkatan Kinerja UMKM Wisata Pantai Berbasis Digital (Kasus Wisata Pantai Desa Sawarna, Kec. Bayah, Lebak, Banten) Asep Darmansyah; Acip Sutardi; Kurnia Fajar Afgani; Eko Susanto; Annisa Rizkia Syaputri; Fitria Rahayu Khaerani
Prosiding Seminar Nasional Pengabdian Masyarakat Universitas Ma Chung Vol. 1 (2021): Prosiding Seminar Nasional Pengabdian Masyarakat Ma Chung 2021
Publisher : Ma Chung Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (474.241 KB) | DOI: 10.33479/senampengmas.2021.1.1.40-54

Abstract

Desa Sawarna, Kecamatan Bayah merupakan desa primadona wisata pantai di Kabupaten Lebak Propinsi Banten karena memiliki keindahan alamnya yang sangat mempesona.  Pelaku UMKM  bermunculan melengkapi kesempurnaan sarana wisata pantai, seperti rumah makan, kafe, gerai oleh-oleh, jasa transportasi, jasa penginapan, jasa pemandu wisata, dan jasa persewaan kendaraan.  Era new normal  menjadi garis awal para pelaku UMKM untuk kembali menggerakkan roda bisnisnya, dengan menyiapkan diri masuk ke platform digital. Kegiatan pengabdian masyarakat ini bertujuan menyiapkan UMKM wisata pantai untuk menerapkan model pemasaran dan pembukuan berbasis digital sehingga pemasaran meluas, jarak mendekat, transaksi cepat, dan pengambilan keputusan tepat. Tim LPPM ITB bekerja sama dengan POKDARWIS Desa Sawarna mengadakan pelatihan dan pembinaan digitalisasi bisnis dengan metode pendekatan individu dan kelompok. Survey awal sebelum pelatihan  menunjukkan bahwa UMKM wisata pantai Desa Sawarna masih memiliki pengetahuan yang minim  tentang pemasaran dan pembukuan digital. Pelatihan berisikan langkah-langkah pemahamaan teori dan praktek e-commerce dan pembukuan  digital. Pelatihan membuka cakrawala pengetahuan UMKM tentang pentingnya digitalisasi bisnis, dan memotivasi UMKM untuk beralih ke platform digital yang akan mengagregasi digitalisasi bisnis secara keseluruhan. Paska pelatihan perlu terus didorong dan difasilitasi lebih lanjut oleh pihak-pihak terkait.
PENINGKATAN LITERASI KEUANGAN DAN OPTIMALISASI PENGGUNAAN FINTECH BAGI PEREMPUAN KELOMPOK PKK Asep Darmansyah; Raden Aswin Rahadi; Kurnia Fajar Afgani; Fitria Rahayu Khaerani; Desy Kharohmayani
Sebatik Vol. 27 No. 1 (2023): Juni 2023
Publisher : STMIK Widya Cipta Dharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46984/sebatik.v27i1.2257

Abstract

Pemberdayaan Kesejahteraan Keluarga (PKK) merupakan organisasi kemasyarakatan yang melibatkan partisipasi perempuan dalam upaya mewujudkan kesejahteraan keluarga. Berdasarkan survei OJK tahun 2019, indeks literasi keuangan perempuan tergolong rendah dibandingkan dengan laki-laki. Literasi keuangan akan menentukan tingkat inklusi keuangan dan sangat erat kaitannya dengan kesejahteraan individu. Oleh karena itu, inklusi keuangan perempuan perlu ditingkatkan. Salah satu strategi dalam meningkatkan inklusi keuangan adalah melalui peningkatan literasi keuangan dan optimalisasi penggunaan fintech. Literasi keuangan dan fintech menjadi alat untuk mencapai keuangan individu yang efektif dan efisien. Kegiatan pengabdian masyarakat ini bertujuan meningkatkan pengetahuan dan pemahaman ibu-ibu anggota PKK mengenai literasi keuangan dan fintech agar mampu mengelola keuangan keluarga dengan baik demi terwujudnya ketahanan keuangan keluarga dan menjadi komunitas penggerak peningkatan literasi keuangan dan optimalisasi penggunaan fintech bagi masyarakat sekitarnya. Kegiatan dilaksanakan dalam bentuk pelatihan dan pendampingan menggunakan pendekatan individu dan kelompok dengan metode diskusi dan praktek. Sasaran kegiatan adalah ibu-ibu PKK Perum Beringin Asri RW 12 Kelurahan Wonosari, Kecamatan Ngaliyan Kota Semarang. Materi yang diberikan yaitu mengenai aspek dasar literasi keuangan meliputi manajemen keuangan rumah tangga, simpanan dan pinjaman, asuransi dan investasi serta fintech menggunakan aplikasi “finansialku”. Para peserta sangat antusias mengikuti pelatihan dibuktikan dengan adanya diskusi interaktif dari banyaknya pertanyaan yang dilontarkan peserta pelatihan. Sebagian besar pertanyaan yang muncul adalah mengenai permasalahan pengaturan keuangan dan lembaga keuangan. Setelah pelatihan berlangsung, dilakukan pendampingan dan memperoleh respon positif dari para peserta. Kegiatan ini telah membuka pemikiran dan kesadaran para ibu PKK mengenai pentingnya literasi keuangan dan fintech bagi mereka dalam meningkatkan kesejahteraan keluarga.
Perbedaan NPF dan FDR Bank Muamalat antara Sebelum dan Selama Pandemi Covid-19 Dematria Pringgabayu; Kurnia Fajar Afgani; Alda Ricederia
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 4 No. 2 (2021)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v4i2.113

Abstract

This research was conducted to analyze and describe the NPF and FDR ratio of Bank Muamalat Indonesia between before and during the Covid-19 pandemic. The method used in this research is quantitative with research data in the form of secondary data. The data were collected using the documentation method and analyzed using the descriptive statistic and independent sample t-test. The results of the study state that the NPF and FDR value of Bank Muamalat Indonesia was differ between before and during the Covid-19 pandemic, although not statistically significant. The difference in terms of NPF indicates that the financing risk faced by Bank Muamalat Indonesia during the pandemic period is greater. The difference in terms of FDR indicates the existence of prudence from banks in distributing financing to the public because the business situation is not conducive during the Covid-19 pandemic.
PREDICTING CORPORATE BANKRUPTCY: BASED ON MDA TEXTILE AND GARMENT ON INDONESIA STOCK EXCHANGE Afgani, Kurnia Fajar; Rivanda, Agil Krisna; Purbayati, Radia

Publisher :

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (74.74 KB) | DOI: 10.31955/mea.v5i2.1392

Abstract

During the Covid-19 Pandemic, Indonesian companies, especially the various industrial sectors, were affected in various ways. This may have an impact especially in the textile and garment sub-sector, while one of the strategic sectors that continue to make a significant contribution to the national economy, such as exports of non-oil foreign exchange earner, employment, and domestic needs. It is therefore important to know the company's bankruptcy to do with predicting bankruptcy. This study uses a statistical model of multiple discriminant analysis (MDA). This is a model developed by Altman in a study to predict the failure of a company.The statistical method used is discriminant analysis using five Altman variables, namely working capital/total assets, retained earnings/total assets, earnings before interest/total assets, and taxes, market value equity to book value of total debt and sales to total assets. There are 17 textile and garment companies available on the Indonesia Stock Exchange for the period 2015 to 2020. The results also show that the five independent variables used are significant in distinguishing between the bankruptcy prediction group and the non-bankruptcy prediction group through the F test and the Wilks Lambda test. At < 0.05, the ratio of WC/TA and EBIT/TA is the most dominant independent variable in distinguishing between groups that are predicted to be bankrupt and not bankrupt
Exploring the Role of Social Media Platforms in Promoting Tourism Diversity Suryana, Marceilla; Susanto, Eko; Prawira, Mega Fitriani Adiwarna; Afgani, Kurnia Fajar
Journal of Business Management Education (JBME) Vol 9, No 1 (2024)
Publisher : Business Education Program of Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jbme.v9i1.68781

Abstract

This study explores the effectiveness of social media platforms for promoting various tourist attractions, including natural, man-made, and cultural tourism sites. By employing a descriptive research approach with a quantitative method, the study utilizes conjoint analysis with 100 respondents to gather insights. The findings reveal distinct tourist preferences regarding social media platforms for different attractions. Specifically, Instagram emerges as the most effective platform for promoting natural tourism, while Twitter shows less success. Conversely, YouTube is preferred for promoting cultural tourism, while Twitter is less effective. Twitter is perceived as relatively successful for man-made tourism, although not as effective as YouTube. These results highlight the importance of tailoring social media strategies based on the characteristics of each tourist attraction type rather than solely relying on platform popularity.