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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 International Journal of Community Service (IJCS) Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen JURNAL EKONOMI BISNIS DAN MANAJEMEN Jurnal Ekonomi Bisnis 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 JURNAL MULTIDISIPLIN ILMU AKADEMIK JURNAL RUMPUN MANAJEMEN DAN EKONOMI JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Media Riset Bisnis Ekonomi Sains dan Terapan
Renny Oktafia
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Konsep Dasar Pembiayaan Dalam Perbankan Syariah Juliani Wulandari; Bunga Aura Putri Sulistyono; David Maulana Verdiansyah; Wisanggeni Wahyu Lintang B.S; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.687

Abstract

Financing can be interpreted as funding provided by one party to another party. Its function is to support investments that will or have been planned by the institution. Financing can also be interpreted as trust or trust. It means that the financing institution as sahib al-mal puts trust in someone to carry out the mandate given. All such costs must be used properly, fairly, and must be accompanied by clear terms and are responsible for all parties. Every Islamic financial institution has a philosophy of seeking the pleasure of Allah SWT. to acquire the virtues of the world and the hereafter. Therefore, any activities of financial institutions that are considered deviant from religious demands should be avoided. In the implementation of financing, Islamic banks must meet two most important aspects. First, the Shar'i aspect where in every realization of financing to customers must remain guided by Islamic Shari'a. Second, the economic aspect which still considers the profit generation for Islamic banks and for customers.
PEMAHAMAN KONSEPTUAL DAN IMPLIKASI RIBA DARI PERSPEKTIF EKONOMI SYARIAH Syaila Salsabila; Cyntya Dwi Permata; Muhammad Farhan Mochtar; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.688

Abstract

Conceptual understanding of riba and its influence in Islamic economics is an important subject in the context of Islamic finance. This research highlights the conceptual understanding of riba and its implications from the perspective of Islamic economics. Through a literature review approach, this article explores various views and arguments related to riba in Islam and Islamic economics. The analysis in this article underscores the need for a deep understanding of riba in the context of Islamic economics. Through this approach, policies can be formulated to promote principles of justice, equality, and sustainability in the Islamic financial system. Practical implications include profit-sharing systems such as mudharabah and musyarakah being used to replace riba practices, ensuring fairness and equality among parties involved in transactions. Additionally, a deeper understanding of Sharia economics and strict supervision of riba practices in the financial sector are crucial to assist individuals and institutions in managing finances in accordance with Islamic law. In conclusion, the conceptual understanding of riba and its influence from the perspective of Islamic economics is an important aspect in building a financial system that aligns with Islamic principles. By understanding the implications of riba, society can take more sustainable and equitable steps in developing Sharia-based economies.
One Pesantren One Product: Can It Improve Economic Growth in East Java? Renny Oktafia; Taufiq, M.; Utami, Anisa Fitria
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 1 (2024): April
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i1.2519

Abstract

This study aims to determine the implementation of the One Pesantren One Product (OPOP) program in improving the economy of Pesantren in East Java. This research was conducted using qualitative methods, by conducting interviews and documentation at 3 pesantren in East Java. The existence of pesantren in East Java which are increasingly popular, the East Java Provincial Government has launched a new breakthrough for the community program. Governor of East Java Khofifah Indar Parawansa launched One pesantren One Product (OPOP) based on three pillars and five aspects. The increasing number of pesantren implementing the OPOP program will have a direct impact on the economy of pesantren in East Java, for example, namely the Bahrul Maghfiroh, Al Fattah Turen, and Al Yasini pesantren where they have succeeded in growing the independence of pesantren which has a positive impact on the development of their pesantren. Therefore, OPOP is a program that can improve the economy in East Java.
Analisis Rasio Rentabilitas Dalam Menilai Kinerja Keuangan PT Bank Danamon Indonesia Tbk Tahun 2020-2023 Yoga Permana; Putri Aprilya Rahmawati; R. Danang Raihan Hendrartono; Renny Oktafia
Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA) Vol. 1 No. 3 (2024): Mei
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jimea.v1i3.1254

Abstract

Rasio rentabilitas adalah sebuah rasio yang menilai tingkat pendapatan atau kesuksesan suatu perusahaan dalam jangka waktu tertentu. Rasio rentabilitas mengevaluasi seberapa efisien perusahaan dalam menghasilkan laba berdasarkan modal atau aset yang digunakan untuk mencapai laba. Tujuan dari penelitian ini adalah untuk mengetahui Rasio Rentabilitas dalam menilai kinerja keuangan PT Bank Danamon Indonesia Tbk pada tahun 2020- 2023. Data yang digunakan adalah data sekunder yang diperoleh dari laporan kinerja keuangan PT Bank Danamon Indonesia Tbk. Metode yang digunakan dalam penelitian adalah penelitian kualitatif dengan pendekatan deskriptif. Hasil penelitian menunjukkan NPM mengalami peningkatan efisiensi perusahaan dalam mengelola biaya operasionalnya atau meningkatkan efektivitas dalam menghasilkan pendapatan. ROA menunjukkan peningkatan di setiap tahun namun mengalami penurunan pada tahun terakhir. ROE menunjukkan peningkatan sepanjang periode tetapi masih di bawah standar kesehatan bank yang ditetapkan oleh Bank Indonesia.
Analisis Penggunaan Rasio Aset Dengan Metode Fixed Assets Turnover Ratio (FATO) Dan Total Assets Turnover Ratio (TATO) Dalam Laporan Keuangan PT. Bank Mandiri (Persero) Tbk Holisatul Amalia; Krisna Reswara; Ika Murni Wati; Renny Oktafia
Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi Vol. 2 No. 2 (2024): Juni : Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/anggaran.v2i2.533

Abstract

Banks are bodies or institutions that receive credit or loans. In banking finance we need to measure the asset ratio. Asset Ratio is the management of company assets in generating income which is used to evaluate the efficiency of financial management. The Asset Ratio includes a comparison between the company's total assets and the resulting income or net profit. Is the bank efficient in utilizing or using its fixed assets? One method for calculating a bank's asset ratio is the FixediAssets Turnover Ratioi (FATO) and Total AssetsiTurnover Ratio (TATO). Calculating these two analysis methods requires or involves all assets owned by the bank. a bank. In banking, the Fixed AssetsiTurnover Ratio (FATO) is a ratio that measures the effectiveness of a company in using its fixed assetiinvestments toigenerate net sales (services). Total Asset Turnover Ratio (TATO) is usually used to determine how effective a company's total assets are in generating income. From the results of the analysis of the financialistatements of PT. Bank Mandiri (Persero) Tbk in 2017-2021 can be concluded that the Company's activity ratio is still categorized as unfavorable. This is because the measurement of Fixed AssetiTurnover Ratio (FATO) and Total AssetsiTurnover Ratio (TATO) each year experiences fluctuations or is unstable or inefficient in managing fixed assets and total assets in supporting the Company's operations to generate income.
Studi Literatur: Analisis Rasio Likuiditas pada Perbankan Menggunakan Literature Review Renny Oktafia; Vivi Kustieni; Sri Windari; Doni Tri Susanto
Moneter : Jurnal Ekonomi dan Keuangan Vol. 2 No. 2 (2024): April : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v2i2.481

Abstract

This research is motivated by the existence of a high level of public trust in banking is closely related to the assessment of banking performance in terms of liquidity ratio analysis. The purpose of the study is to determine the level of bank liquidity and what policies will be carried out by banks against the ratio results. The method used in the research is the literature review method with data in the form of references to evaluate liquidity ratios in banking. The results obtained in this study from Table RQ1 the types of liquidity ratios that are often used in measuring the level of banking liquidity are the quick ratio and cash ratio. While Table RQ2 the advice that can be given is that banks must be able to pay attention and evaluate their assets. So it can be concluded that in general the types of liquidity ratios that are often used to calculate the level of bank liquidity are the quick ratio and cash ratio and further banking policy suggestions to use more diverse types of liquidity ratios. Ajmadayana, C. P., Akmalia, Z., & Hasibuan, A. F. (2022). Analisis Rasio Likuiditas dan Solvabilitas pada Bank Muamalat Indonesia Periode 2019-2020. Jurnal Ekobistek, Volume 11 No.3, 179-185. Fathurrahman. (2022, March). Banking Perfomance Analysis Based On Liquidity Ratio. Nusantara Hasana Journal, Vol.1 No.10, 141-145. Harahap, & Safitri, S. (2015). Analisis Kritis Atas Laporan Keuangan. Jakarta: PT. Rajagrafindo Persada. Harianto, S. (2017). Rasio Keuangan dan Pengaruhnya Terhadap Profitabilitas Pada Bank Pembiayaan Rakyat Syariah di Indonesia. Jurnal Bisnis dan Manajemen, 41-48. Iryani, L. D., & Herlina. (2015). Analisis Rasio Likuiditas, Solvabilitas, dan Profitabilitas dalam Mendukung Pembiayaan pada PT. Bank Danamon Indonesia, Tbk. Jurnal Ilmiah Akuntansi Fakultas Ekonomi, Volume 1 No. 2, 32-40. Jumingan. (2006). Analisis Laporan Keuangan. Jakarta: Bumi Aksara. Kasmir. (2015). Bank dan Lembaga Keuangan Lainnya. Jakarta: PT Raja Grafindo Persada. Kasmir. (2017). Analisis Laporan Keuangan. Jakarta: PT. Rajagfrindo Persada. Khotimah, I. C. (2021). Analisis Dampak Pandemi Covid-19 Bagi Rasio Likuiditas Bank Bukopin Syariah. Jurnal LARIBA Jurnaal Perbankan Syariah, Vol. 2 No. 02, 28-41. Masita, N., Hariatih, & Nianty, D. A. (2023). Analisis Kinerja Keuangan Menggunakan Rasio Likuiditas dan Profitabilitas pada PT. Bank Rakyat Indonesia (Persero) Tbk. Jurnal Manajemen dan Akuntansi, Vol. 1 No. 2, 203-214. Nurul, Suharti, T., & Nuhayati, I. (2020, Mei). Analisis Kinerja Keuangan Berdasarkan Rasio Likuiditas, Solvabilitas, dan Rentabilitas Pada Sektor Perbankan. Jurnal Ilmu Manajemen, Vol.3 No.2, 146-159. Ottay, M. C., & Alexander, S. W. (2015). Analisis Laporan Keuangan Untuk Menilai Kinerja Keuangan Pada PT. BPR Citra Dumoga Manado. Jurnal EMBA, Volume 3 No.1, 923-932. Pangemanan, I. W., Karamoy, H., & Kalalo, M. (2017). Analisis Rasio Likuiditas, Leverage dan Profitabilitas Untuk Menilai Kinerja Keuangan Pada PT. Bank Central Asia, Tbk. Cabang Manado. Jurnal Riset Akuntansi Going Concern, Volume 12 No. 2, 25-34. Permana, I. S., Halim, R. C., Nenti, S., & Zein, R. N. (2022). Analisis Rasio Likuiditas, Solvabilitas, dan Profitabilitas dalam Mendukung Pembiayaan pada PT. Bank Danamon Indonesia, Tbk. Jurnal Aktiva: Riset Akuntasi dan Keuangan, Volume 3 No.3, 132-139. Ramadhanty, T. N., Musriha, & Noviandri, I. (2021). Analisis Rasio Keuangan terhadap Kinerja Keuangan pada PT.Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Jurnal Ekonomi dan Bisnis, Volume 1 Nomor 3, 183-188. Setia, I., Clasissa, R., Nenti, S., & Zein, R. N. (2022). Analisis Kinerja Keuangan dengan Menggunakan Rasio Likuiditas, Solvabilitas, dan Profitabilitas pada PT. Bank BNI (Persero) Tbk. Jurnal Aktiva: Riset Akuntansi dan Keuangan, Vol.3 No.3, 132-139. Sihombing, C., Damanik, E. O., & Sriwiyanti, E. (2019). Pengaruh Rasio Likuiditas Terhadap Kinerja Keuangan Pada PT. Bank Perkreditan Rakyat Eka Prasetya Pematangsiantar. Jurnal of Accounting USI, Volume 1 No. 1, 12-22.
Training to Create Business Branding for BTPN Syariah Customers in Tambaksari District, Surabaya Anggela Setiya Putri; 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.v2i2.704

Abstract

The Micro, Small and Medium Enterprises (MSME) sector has an important role in economic growth. On the other hand, the micro business sector has several advantages compared to businesses with large capacity. The advantages of this sector are its ability to absorb labor and use local resources, and its business is relatively flexible. PT Bank BTPN Syariah Tbk is a Sharia banking company that provides entrepreneurial assistance to business actors through accompanying facilitators from internship participants in the Certified Independent Study Internship (MSIB) program. The aim of this activity is to find out how to empower Micro, Small and Medium Enterprises (MSMEs) and its impact on the economic growth of BTPN Syariah customers in Tambaksari District. The method used is the ABCD (Asset Based Community Development) method, which is a community empowerment design that uses assets, with data collection techniques through observation and documentation. The results of the activities achieved show that empowering MSMEs has a positive impact on rural economic growth through increasing production, income and welfare of BTPN Syariah customers in Tambaksari District.
Socialization of the Bestee Ku Platform to BTPN Syariah Customers to Improve MSMEs in Seririt District, Bali Setya Surya Wardhana; 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.v2i2.707

Abstract

Socializing a Bestee Ku application in the community empowerment program that has joined BTPN SYARIAH, where this application is very useful and useful in developing the business of customer mothers, in the Bestee Ku platform there is learning material about a business for small, medium, and above with the aim of increasing customer knowledge regarding the tips of customer mothers in doing business in the Seririt sub-district area. This research uses the ABCD (Asset Based Community Development) method, which is a concept of community empowerment by developing the Bestee Ku platform, because it is related to the progress of MSMEs for customer mothers who have businesses and join BTPN SYARIAH which specifically creates an application called Bestee Ku, with the existence of This Bestee Ku program is also related to student internships at BTPN SYARIAH, one of which is as a facilitator accompanying customers whose aim is to help develop the businesses of customer mothers, as well as always providing direction and motivation in business, each student also accompanies customer mothers for 1 month 4 times meetings and they help each other to improve the business of customers and students and also gain new experiences, insights, relationships and knowledge.
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.
Co-Authors Abdul Rahman Hidayat Afrixson Leonardo Alexzander Agustian Mahendra Putera 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 Bunga Aura Putri Sulistyono Cyntya Dwi Permata Danik Firdania David Maulana Verdiansyah David Verdyansyah Daya Amarta Suwarjana Desita Fitriani Devi agustina Devina Lutfa Dianti Doni Tri Susanto Dwiki Andreansyah Nugraha Endah Mudiyatul Kustinah Ertanti Ardian Eva Herwanti Faros Hafidz Muhammad Trizhadi Fiorentina Amanda Argawandani Fitiara Ainur Rakhimah Francisca Galuh Dewanti Hartutik (Hartutik) Holisatul Amalia I Gede Agung Krisnha Ika Murni Wati Ina Urifah Jaharuddin Jaharuddin Jeniper Indah Pandiangan Juliani Wulandari Kharisma Tri Buana Dewi Krisna Reswara Leira Narulita M. Taufiq M.Arief Safi’i Masrifatul Roidha Micha Ella Br Meliala Mirza Hisyam Maulana Mochamad Rizal Anwar Muhammad Aditya Darmawan Muhammad Farhan Mochtar 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 Pramesti Pramudita Ektiyas Anggraeni Puspita Dwi Susanti Putra Fajar Maulana Putri Aprilya Rahmawati Putri Hana Febrian R. Danang Raihan Hendrartono Raihan Rahmatullah Ratna Ayu Wijayanti Rif’ Aida Mirza Aurora Riki Zogik Firmansyah Rindyi Putri Lestari Rio Ferdinand Simarmata Riska Febrian Riska Noviana Rizky Wahyu Pranata Sandy Mukti Ali Sephia Zalyanti Setya Surya Wardhana Silvia Kurnia Illahi Siti Ayu Rochmaniah Siti Rohizah Sonia Br Ginting Sri Ayu Lestari SRI WINDARI Syaila Salsabila Tsaqif Fadhlilhaq Vivi Kustieni Wisanggeni Wahyu Lintang B.S Yoga Permana