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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 EKONOMI BISNIS DAN MANAJEMEN Jurnal Ekonomi dan Bisnis 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 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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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.
Analisis Dalam Pembiayaan Bank Syariah Indonesia Pada Tahun 2020-2022 Juliani Wulandari; Bunga Aura Putri Sulistyono; Rizky Wahyu Pranata; 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.v1i1.1141

Abstract

bank Islam Indonesia are the end result of the mixed of 3 Islamic banks, specifically BNI Syariah, BRI Syariah and Mandiri Syariah. The reason of this have a look at is to map the financing situation of Islamic banks in Indonesia. The methodology used in this take a look at is a quantitative method the use of information and time processing strategies. regular. the primary position of Islamic banks is to gather budget from the general public based on the principle of deposit agreements, also referred to as Al-Wadiah agreements. those assets are then made available inside the form of financing. Islamic banking financing consists of Musyarakah, Mudharabah, Ijarah, Murabahah and Istishna.
Analisis Kinerja Keuangan Dengan Metode Common Size Pada PT. Bank Mandiri (Persero) TBK Rif’ Aida Mirza Aurora; Ashilah Razaktania W; Eva Herwanti; 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.v1i1.1143

Abstract

financial performance analysis is an important aspect in assessing the stability and operationalefficiency of a company, especially in the banking sector. This research aims to analyze the financialperformance of PT. Bank Mandiri (Persero) Tbk during the 2019-2021 period used the Common Sizemethod. Through a quantitative approach, company balance sheet and income statement data are studiedto identify fluctuations and trends in financial components. The results of the analysis show that there wasa decrease in the cash percentage in 2019, but there was a significant increase in the following years. Inaddition, purchasing government bonds and diversifying investment portfolios are important strategies inoptimizing income and minimizing risks for banks. The distribution of funds, which is reflected in theincrease in the proportion of credit provided, also shows the bank’s ability to carry out its financialintermediation function well, providing a positive impact on economic growth and financing importantsectors.
Co-Authors Abdul Rahman Hidayat Afandi, Amelia Octaviana 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 Bayu Aji Laksono Bunga Aura Putri Sulistyono Cinta Billytona Cyntya Dwi Permata Danik Firdania David Maulana Verdiansyah David Verdyansyah Daya Amarta Suwarjana Desita Fitriani Devi agustina Devina Lutfa Dianti Djauharotun Nafisah Doni Tri Susanto Dwiki Andreansyah Nugraha Endah Mudiyatul Kustinah Ertanti Ardian 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 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 Moh Rizal 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 Rahma Zhafirah 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 Satrio Novianto Sephia Zalyanti Setya Surya Wardhana Silvia Kurnia Illahi Siti Ayu Rochmaniah Siti Nur Jannah Siti Rohizah Sonia Br Ginting Sri Ayu Lestari SRI WINDARI Syaila Salsabila Tsaqif Fadhlilhaq Vivi Kustieni Wisanggeni Wahyu Lintang B.S Yoga Permana