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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Tabarru': Islamic Banking and Finance Iqtishoduna: Jurnal Ekonomi Islam Jurnal Pengabdian kepada Masyarakat Nusantara Rengganis Jurnal Pengabdian Masyarakat International Journal of Community Service (IJCS) Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA) Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Moneter : Jurnal Ekonomi dan Keuangan El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JURNAL MULTIDISIPLIN ILMU AKADEMIK JURNAL RUMPUN MANAJEMEN DAN EKONOMI JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Journal of Ekonomics, Finance, and Management Studies Media Riset Bisnis Ekonomi Sains dan Terapan
Renny Oktafia
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Implementation of Ruang Belajar Aqil (RBA) Program in Improving Social Empowerment in Karangsari Village, Bantur District, Malang Regency Ina Urifah; Renny Oktafia
IJCS: International Journal of Community Service Vol. 2 No. 2 (2023): IJCS: International Journal of Community Service
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v2i2.710

Abstract

Karangsari Village is one of the villages in Bantur District, Malang Regency. There is a lot of potential including natural resources and human resources that can be developed. However, the level of education and economy of the people in Karangsari Village is still relatively low. On the other hand, students' enthusiasm for learning is very high, but the lack of support and limited facilities make it difficult for students to develop. Lack of understanding and knowledge makes it difficult for people to create business opportunities. This shows that social empowerment in Karangsari Village has not been achieved. Therefore, to assist in overcoming this, it is necessary to implement social empowerment programs, one of which is Ruang Belajar Aqil (RBA) program. The method used in this service is ABDC (Asset Based Community Development). Data were collected through direct observation and documentation. The results obtained show that the implementation of Ruang Belajar Aqil (RBA) program provides positive changes in increasing social empowerment, especially in increasing the knowledge and creativity of the community in Karangsari Village.
Menilai Kinerja Keuangan Dengan Analisis Rasio Likuiditas Pada PT Bank Negara Indonesia Pada Tahun 2019-2020 Nur Anis Machfudloh; Afrixson Leonardo Alexzander; Renny Oktafia
Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 3 No. 2 (2024): April : Inisiatif : Jurnal Ekonomi, Akuntansi dan Manajemen
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/inisiatif.v3i2.2346

Abstract

Banking is an industry in the financial sector which can be interpreted as the backbone of the economic and financial system in Indonesia as well as being a channel of funds to the community in order to achieve equitable development, and to assess the financial performance of a bank you can look at its financial reports as an indicator. Financial reports are transactions in and out of banking with monetary and economic value which are recorded in a report. The aim of this research is to analyze the increase or decrease in Bank Negara Indonesia's financial reports for the 2020 period using descriptive and quantitative methods using the liquidity ratio method as a measuring tool. The results of research on liquidity ratios at Bank BNI for the 2019-2020 period show that BNI's CR calculations in 2019 and 2020 are below the ideal standard (100% or 1:1), but not below the minimum standard (80% or 0.8 :1)2. In 2019 and 2020, BNI's CR value cannot be considered to have a poor level of liquidity. BNI's QR value in 2019 was 10.0% and in 2020 it was 10.1%. Ideally, QR is 100% or 1:1, and the minimum is 80% or 0.8:1. If the QR is below the predetermined standard, then the level of liquidity is considered to be poor. In 2019, BNI's LDR value was 89.0%, which is below the ideal standard (94.75%). In 2020, BNI's LDR value was 79.5%, which is lower than the minimum standard (93.75% - 97.50%) and the ideal standard (94.75%). Based on this data, BNI's liquidity level in 2019 and 2020 is limited and cannot be considered good.
Evaluasi dan Analisis Prospektif Manajemen Risiko pada Bank Jatim Amilatus Nafisah; Endah Mudiyatul Kustinah; Francisca Galuh Dewanti; Renny Oktafia
JURNAL MULTIDISIPLIN ILMU AKADEMIK Vol. 1 No. 2 (2024): April
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jmia.v1i2.1152

Abstract

. This study applies a prospective analysis approach in evaluating the financial performance of Bank Jatim, by considering both internal and external factors. Prospective analysis is used to predict the bank's future financial performance based on current conditions and projections of various factors that affect it. This study evaluates the projected growth of assets such as loans, investments, and other productive assets; additional capital/equity from retained earnings and rights issues; projected operating profit and net profit for the next few years; and analysis of credit risk management, market risk, liquidity risk, and operational risk. External factors such as macroeconomic conditions, government regulations, foreign exchange rates, industry competition, and socio-political factors are also considered in this prospective analysis. This research is expected to provide recommendations for Bank Jatim on how to maintain and improve its financial performance in the future by considering various internal and external factors.
ANALISIS PEMBIAYAAN PERBANKAN (STUDI KASUS) PADA BANK SYARIAH PT. BANK MUAMALAT INDONESIA Nur Nadila Harisanti; Micha Ella Br Meliala; Renny Oktafia
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 1 (2024): Maret
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i1.1118

Abstract

In Indonesia, Islamic banking has made rapid progress since the enactment of Banking Law No. 10 of 1998. Funding risk management is an important aspect of Islamic banking operations. Therefore, efficient financing management is necessary to maintain financial stability. An increase in the volume of financing by Islamic banks can contribute to the profitability of these financial institutions. The case study of Bank Muamalat Indonesia shows the bank's commitment to comply Sharia principles, especially in terms of lending to businesses and individuals. The purpose of this study is to conduct an analysis of funding conducted by PT. Bank Muamalat Indonesia as a case study in the context of Islamic banking. The focus of the analysis is on raising funds and disbursing loans carried out by Bank Muamalat. It is expected that the results of this research can have an impact on improving Bank Muamalat Indonesia's financial management.
ANALISIS PROSPEKTIF DALAM LAPORAN KEUANGAN PERBANKAN: STUDI KASUS KINERJA KEUANGAN BANK JATIM PERIODE 2022 Syaila Salsabila; Cyntya Dwi Permata; I Gede Agung Krisnha; Renny Oktafia
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 1 (2024): Maret
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i1.1122

Abstract

Prospective analysis is a forecasting process that can depict the financial performance of a banking institution. In this case study, the researcher will analyze the financial performance of Bank Jatim during the 2022 period. There are several factors that influence the financial performance of banking institutions, such as total asset growth, credit growth, customer deposit growth, and net interest income. In 2022, Bank Jatim showed improvement compared to the previous year. The financial performance of banking institutions is also influenced by economic conditions and monetary policies. In 2022, the increase in benchmark interest rates by the Federal Reserve and Bank Indonesia has led to a decline in the overall performance of marketable securities and significant pressure on trading performance. Prospective analysis will assist Bank Jatim in developing effective financial strategies and strengthening its financial performance position. In this case study, we will analyze the financial performance of Bank Jatim during the 2022 period. The financial performance of Bank Jatim is expected to continue to improve with increases in total assets, credit growth, customer deposit growth, and net interest income.
Analisis Rasio Modal Kerja di PT Bank Pembangunan Daerah Jawa Timur Tbk Fiorentina Amanda Argawandani; Daya Amarta Suwarjana; Olga Fatmah Rahmawati; Renny Oktafia
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 1 (2024): Maret
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i1.1127

Abstract

The objective of this study is to examine the working capital ratio of PT Bank Pembangunan Daerah Jawa Timur Tbk from 2020 to 2022. The working capital ratio serves as a vital measure to evaluate the financial well-being of a company and its capacity to fulfill short-term commitments. This investigation employs a descriptive analytical approach, gathering financial data from the annual financial reports of PT Bank Pembangunan Daerah Jawa Timur Tbk. The data collected is then analyzed using various relevant working capital ratios. The results of this analysis provide an overview of the efficiency of the company's working capital management, as well as potential risks or opportunities that can be identified from the financial aspect. It is hoped that the findings from this research can contribute to further understanding of the financial health of PT Bank Pembangunan Daerah Jawa Timur Tbk and provide insight for decision makers regarding working capital management strategies in the future.
ANALISIS LABA KOTOR: KINERJA LABA KOTOR BANK BCA DALAM KONTEKS PERBANKAN DI INDONESIA Nadila Salsavira; Aulia Daisy Arsy Syafitri; Sonia Br Ginting; Renny Oktafia
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 1 (2024): Maret
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i1.1128

Abstract

Gross profit analysis is an important method in evaluating the financial performance of a financial institution, including banks. In the context of Indonesian banking, Bank BCA (Bank Central Asia) is one of the leading banks that plays a significant role in the economy. This research aims to analyze the gross profit performance of Bank BCA and evaluate its relative position in the Indonesian banking industry. The method of gross profit analysis involves calculating gross income and operational costs to measure the efficiency and profitability of the bank. The research results indicate that Bank BCA's gross profit has experienced stable growth over the past few years, reflecting strong performance in generating income and managing operational costs. Factors such as product innovation, network expansion, and effective risk management strategies have contributed to this achievement. Additionally, Bank BCA has maintained a competitive position in the Indonesian banking industry, with relatively high gross profits compared to its competitors. However, challenges remain in facing market dynamics and evolving regulations. Therefore, Bank BCA needs to continue evaluating and making strategic adjustments to ensure operational sustainability and sustainable growth in the future. This research provides valuable insights for stakeholders in the banking industry, regulators, and investors in understanding the performance and position of Bank BCA in the Indonesian banking ecosystem.
Perbedaan Strategi Manajemen Modal Kerja pada Bank BCA dan Bank Mandiri di Indonesia Nadya Aura Wulan Savitri; Masrifatul Roidha; Rindyi Putri Lestari; Renny Oktafia
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 1 (2024): Maret
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i1.1135

Abstract

Working capital management is an important aspect in banking to maintain smooth operations and financial stability. This research aims to analyze the differences in working capital management strategies at Bank BCA and Bank Mandiri, the two largest banks in Indonesia. The research method used is comparative descriptive using secondary data in the form of the annual financial reports of both banks for the 2019-2023 period. The results showed that Bank BCA has a more effective working capital management strategy than Bank Mandiri. BCA Bank has healthy financial ratios and shows good performance. Meanwhile, Bank Mandiri has quite stable financial ratios. Even though Bank Mandiri's NPL is relatively high, this bank has quite high ROA, ROE and CAR.
Peran Dewan Pengawas Syariah dan Dewan Syariah Nasional Majelis Ulama Indonesia (MUI) Riska Febrian; Danik Firdania; Sephia Zalyanti; Aprilia Rahmasari; Renny Oktafia
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 1 (2024): Maret
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i1.1137

Abstract

The sharia banking industry should be run based on sharia principles and systems. Therefore, conformity of sharia bank operations and practices with sharia is the basic foundation of sharia banking. In this case, to support its performance, the role of the Sharia Supervisory Board is required as mandated in Banking Law No. 10 of 1998. The aim of this research is to explain the role of the Supervisory Board Sharia and the National Sharia Council of the Indonesian Ulema Council using the literature study method. The research results show that DPS is responsible for ensuring that all sharia banking products and processes comply with sharia principles. The role of DPS and DSN is not only to supervise the activities of sharia financial institutions but also to play a bigger role in encouraging the growth and development of the sharia economy and finance in Indonesia.
SKEMA PEMBIAYAAN DALAM PERBANKAN SYARIAH Riska Febrian; Aprilia Rahmasari; Kharisma Tri Buana Dewi; Renny Oktafia
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 1 (2024): Maret
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i1.1140

Abstract

Sharia banking is a body that oversees public finances in the form of savings and returns to the community in the form of financing. Banking is a solution to problems to achieve community economic prosperity. The aim of this research is to explain the basic concepts of financing in sharia banking using library research. The final results obtained show that financing carried out by banks is carried out using financing feasibility analysis for customers before providing financing using a funding analysis approach, application of funding analysis principles, application of funding analysis procedures and policies in funding decisions.
Co-Authors Abdul Rahman Hidayat Afandi, Amelia Octaviana Afrixson Leonardo Alexzander Alexander Yusuf Imaduddin Indra Surya Alya Dewanti Permatasari Amanda Diva Mia Putri Amilatus Nafisah Andreanto Indra Pratama Anggela Setiya Putri Anisa Fitria Utami Aprilia Rahmasari Ashilah Razaktania W Aulia Daisy Arsy Syafitri Ayuntin Nonik Pratiwi Bayu Aji Laksono Bunga Aura Putri Sulistyono Cinta Billytona Cyntya Dwi Permata Danik Firdania Daya Amarta Suwarjana Desita Fitriani Devi agustina Djauharotun Nafisah Doni Tri Susanto Dwiki Andreansyah Nugraha Endah Mudiyatul Kustinah Eva Herwanti Faros Hafidz Muhammad Trizhadi Fauzatul Laily Nisa Fiorentina Amanda Argawandani Fitiara Ainur Rakhimah Francisca Galuh Dewanti Hartutik (Hartutik) Holisatul Amalia I Gede Agung Krisnha Ika Murni Wati Ina Urifah Jaharuddin Jaharuddin Juliani Wulandari Kharisma Tri Buana Dewi Krisna Reswara Leira Narulita M. Taufiq Masrifatul Roidha Micha Ella Br Meliala Moh Rizal Muhammad Aditya Darmawan Muhammad Nizham Ramadhika H Muhammad Rafi N Mutafikatul Khoiriyah Nadila Salsavira Nadya Aura Wulan Savitri Natania Anggraini Nur Anis Machfudloh Nur Emily Tasmiatun Nur Nadila Harisanti Olga Fatmah Rahmawati Puspita Dwi Susanti Putra Fajar Maulana Putri Aprilya Rahmawati Putri Hana Febrian R. Danang Raihan Hendrartono Rahma Zhafirah Raihan Rahmatullah Rif’ Aida Mirza Aurora Rindyi Putri Lestari Riska Febrian Rizky Wahyu Pranata Satrio Novianto Sephia Zalyanti Setya Surya Wardhana Silvia Kurnia Illahi Siti Ayu Rochmaniah Siti Nur Jannah Sonia Br Ginting Sri Ayu Lestari SRI WINDARI Syaila Salsabila Tsaqif Fadhlilhaq Vivi Kustieni Yoga Permana