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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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Optimalisasi Efisiensi Biaya: Studi Kasus Analisis Rasio Biaya Dana Bank BNI Pada Tahun 2019-2023 Desita Fitriani; Leira Narulita; Muhammad Aditya Darmawan; 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.v1i1.1148

Abstract

This study aims to analyze the cost of funds ratio as an indicator of cost efficiency in banking operations, with a focus on Bank BNI. The banking industry plays a vital role in the economy by providing financial services to individuals, businesses and governments. In a global context, banks must adapt to market, technological and regulatory changes to remain relevant and profitable. Cost efficiency is the key to successful bank operations. A case study on Bank Negara Indonesia (BNI) shows fluctuations in the cost of funds ratio, cost of loanable funds, and cost of money over the 2019-2023 period. The implications highlight the importance of efficient fund management to improve profitability and the continuity of bank operations. The conclusion of this study provides direction to improve fund management and the overall financial performance of the bank.
ANALISIS RASIO ASET DALAM MEMPREDIKSI PERKEMBANGANiPERBANKAN SYARIAHiDI INDONESIA PADA MASA COVID-19 Alexander Yusuf Imaduddin Indra Surya; Faros Hafidz Muhammad Trizhadi; Renny Oktafia
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 3 (2024): Juli
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i3.1646

Abstract

The financial sector is very important for the progress of a country. The financial sector including sharia banking will help the economy indirectly, especially during the pandemic. The aim of this research is to evaluate the financial performance of Islamic banking in Indonesia during the COVID-19 pandemic. This research uses profitability ratios consisting of BOPO, ROA, ROE, liquidity ratios consisting of cash and FDR ratios, as well as solvency ratios calculated with the CAR ratio. This quantitative descriptive research measures a bank's financial performance using its profitability ratio level. This study found that bank performance scores changed during the COVID-19 pandemic. Bank performance based on profitability ratios shows that some Islamic banks are considered efficient, while others show a decline in performance. Several real industries affected by COVID-19.
Analisis Solvabilitas Terhadap Kinerja Keuangan Pada Bank Mandiri Tahun 2016-2019 Alya Dewanti Permatasari; Natania Anggraini; Nur Emily Tasmiatun; Renny Oktafia
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 3 (2024): Juli
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i3.1668

Abstract

This research was conducted with the aim of analyzing the financial performance of PT Bank Mandiri (Persero) Tbk using solvency ratios with indicators. The method used in this research is qualitative descriptive analysis. The research results show that PT Bank Mandiri's financial performance tends to fluctuate, in terms of the NPM profitability ratio which is in very good condition and ROA which is in poor condition. Judging from the solvency ratio, DER and DAR are in poor condition. The results of this research are in line with Meutia Dwi (2017) who stated that the solvency ratio is in poor condition. Therefore, it is hoped that PT Bank Mandiri (Persero) Tbk can maintain financial performance and increase company profits so that the company is able to pay short-term and long-term debt.
EQUILITAS RASIO LIKUIDITAS SEBAGAI TOLAK UKUR KINERJA KEUANGAN BANK BRI SYARIAH PERIODE 2015-2019 Andreanto Indra Pratama; Tsaqif Fadhlilhaq; Renny Oktafia
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 1 No. 1 (2024): Mei
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v1i1.83

Abstract

This progress intends to evaluate the financial work of PT bank BRI syariah. during 2015 to 2019 with a focus on liquidity aspects. The company this time is in a more accurate position in terms of calculations in secondary data. The processing and programming used is by using sampling methods and planned decisions. As for the data analysis activities that are used, namely liquidity analysis.From this decision, we can see that BRI sharia banks are on. From 2015 to 2019 when viewed from its liquidity ratio, it has a good proportion in the financial sector. This is reflected in the Quick Ratio that has met Bank Indonesia (BI) standards which are in the range of 10-20%. Banking Ratio is also considered quite good, in the range of 70-81%, where BI standard is 85 to 100%. The Loan to Deposit Ratio, which ranges from 63 to 73%, is also within the accepted limit of ≤98% in accordance with BI regulations. Meanwhile, the Loan to Asset Ratio which ranges from 56-67% indicates that the bank maintains a position lower than Bank Indonesia's regulatory limit set at more than 10%. This shows that PT Bank BRIsyariah Tbk has the ability to manage debt payments at a predetermined time, as well as has the capacity to overcome potential defaults in providing financing and providing guarantees for loans provided to customers
Analisis Pembiayaan Keuangan Perbankan : Tinjauan Mendalam Terhadap Akad Mudharabah Raihan Rahmatullah; Mutafikatul Khoiriyah; Silvia Kurnia Illahi; Renny Oktafia
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 1 No. 2 (2024): Juli
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v1i2.126

Abstract

This study uses a qualitative approach with the method of literature research to deepen the topic of financial financing on the Mudbah contract, adaptation and management of the Murabahah contract by Islamic banking, as well as the benefits and challenges faced by banks and customers in Mudharabah. Through an extensive literature review of various trusted sources, including books, journals, and research papers, this study aims to provide a comprehensive understanding of the subject matter.
Minat Generasi Z Berinvestasi Reksadana Syariah di Jakarta, Bogor, Depok, Tangerang dan Bekasi Sri Ayu Lestari; Hartutik Hartutik; Jaharuddin Jaharuddin; Renny Oktafia
Media Riset Bisnis Ekonomi Sains dan Terapan Vol 1, No 1 (2023): Media Riset Bisnis Ekonomi Sains dan Terapan
Publisher : Taksasila Edukasi Insani

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

Abstract

ItuTujuan dari penelitian ini adalah untuk mengukur minat investasi generasi z pada produk reksa dana syariah berdasarkan beberapa variabel terkait diantaranya literasi keuangan, kemudahan akses, dan pendapatan. Metode pengambilan sampel yang digunakan dalam penelitian ini adalah purposive sampling. Teknik pengujian data yang digunakan dalam penelitian ini meliputi uji validitas dan uji reliabilitas dengan menggunakan program SEM-PLS dan data diambil melalui penyebaran kuesioner kepada masyarakat yang berdomisili di Jabodetabek. Hasil penelitian menunjukkan bahwa variabel literasi keuangan berpengaruh positif namun tidak signifikan terhadap minat generasi z dalam berinvestasi reksa dana syariah. Artinya, jika variabel literasi keuangan meningkat, maka tidak dapat juga meningkatkan minat berinvestasi generasi z. Sedangkan variabel kemudahan akses dan variabel pendapatan. Kedua variabel tersebut berpengaruh positif dan signifikan terhadap minat generasi z untuk berinvestasi di reksa dana syariah. Artinya, kedua variabel tersebut memiliki hubungan yang erat dengan minat investasi generasi z. Pembaharuan penelitian ini terletak pada variabel objek kajian dimana objeknya adalah generasi z.
ANALISIS RETURN ON ASSET (ROA): TINJAUAN LITERATUR DAN IMPLIKASINYA DALAM PENGUKURAN KINERJA KEUANGAN PERBANKAN Ayuntin Nonik Pratiwi; Fitiara Ainur Rakhimah; Dwiki Andreansyah Nugraha; Renny Oktafia
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 2 No. 6 (2024): JURNAL ILMIAH EKONOMI DAN MANAJEMEN (JIEM)
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v2i6.1280

Abstract

Penelitian ini bertujuan untuk menganalisis kinerja keuangan bank. Data yang digunakan adalah data sekunder dari sumber artikel atau jurnal yang berkaitan dengan penelitian ini. Metode analisis yang digunakan adalah pendekatan studi literatur dengan menggunakan 10 artikel terpilih pada rentan tahun 2014-2024. Hasil penelitian ini menunjukkan bahwa ROA merupakan salah satu indikator kinerja utama dalam mengalirkan kinerja keuangan bank, memberikan gambaran mengenai efisiensi penggunaan aset untuk menghasilkan laba. Implikasi penggunaan ROA dalam pengukuran kinerja keuangan perbankan juga mencakup peran refleksi literatur dalam memberikan pemahaman mendalam, perbandingan rasio antara industri dan pesaing, pengaruh praktis manajerial, dan pengaruh dalam perencanaan keuangan, manajemen risiko, dan interaksi dengan pihak-pihak yang berkepentingan di luar bank.
ANALISIS PENGARUH CR, TATO, ROA TERHADAP RETURN SAHAM: STUDI KASUS PT. BANK MANDIRI Putri Hana Febrian; Amanda Diva Mia Putri; Putra Fajar Maulana; Renny Oktafia
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 2 No. 6 (2024): JURNAL ILMIAH EKONOMI DAN MANAJEMEN (JIEM)
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v2i6.1321

Abstract

Stock price fluctuations are closely related to stock returns because changes in stock prices can generate profits or losses for investors and ultimately affect investment returns. Based on previous research, the reality of the impact of financial performance ratios on stock returns makes investors really need an understanding of the actual performance of the bank to make better investment decisions. The financial performance ratios used in this study are Current Ratio (CR), Total Assets Turnover (TATO), and Return on Assets (ROA). Therefore, this study aims to develop hypotheses about the influence of variables that will be used in future research, especially in the context of the case study of PT Bank Mandiri. Data was collected through a literature review of related articles to see previous research that became a reference in writing this article. The results showed that Current Ratio, Total Assets Turnover and Return on Assets have a positive effect and have a relationship to stock returns both individually and together. Overall, the company's success in managing these financial ratios will have a positive impact on the company's stock performance.
GOOD CORPORATE GOVERNANCE PADA PERBANKAN SYARIAH DI INDONESIA Tsaqif Fadhlilhaq; Muhammad Rafi N; Rizky Wahyu Pranata; Muhammad Nizham Ramadhika H; Renny Oktafia
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 2 No. 6 (2024): JURNAL ILMIAH EKONOMI DAN MANAJEMEN (JIEM)
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v2i6.1553

Abstract

Islamic banking has become an integral part of the Indonesian financial system, with significant growth in recent years. However, to ensure continuity and public trust, implementing Good Corporate Governance (GCG) is important. This article presents an analysis of the challenges and opportunities in implementing GCG in sharia banking in Indonesia. Challenges such as the complexity of organizational structures and limited human resources are being overcome with technological innovation and increased awareness and education. Existing opportunities, such as inter-institutional collaboration, can strengthen the capacity of sharia banking in implementing strong GCG practices. Therefore, this article not only identifies the obstacles faced by sharia banking, but also highlights strategies to improve the implementation of GCG, which in turn will support the growth and stability of the sharia banking industry in Indonesia.
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