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All Journal Journal Of Management Science (JMAS) Ihtiyath : Jurnal Manajemen Keuangan Syariah Adl Islamic Economic Eastasouth Journal of Positive Community Services Easta Journal of Innovative Community Services JAS (Jurnal Akuntansi Syariah)
Aisyah, Mitra Riani
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Persaingan dalam Perbankan Syariah: Studi Perbandingan Kinerja Bank Syariah Swasta dan Pemerintah di Indonesia Aisyah, Mitra Riani; Wahyudi Rusdi
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 2 (2024): Vol. 8 No.2 Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i2.9548

Abstract

Comparing the financial performance between privately-owned Islamic banks and government-owned Islamic banks in Indonesia is the objective of this study. The analysis is conducted using key financial ratios such as Return on Assets (ROA), Operational Costs to Operational Income (BOPO), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), and Return on Equity (ROE). These ratios were selected because they provide a comprehensive overview of profitability, operational efficiency, capital adequacy, and the banks' ability to channel financing.The data analyzed were sourced from the annual financial reports of Islamic banks in Indonesia for a specific period. This study employs a quantitative approach using SPSS 25 software to process the secondary data. Based on the analysis conducted, the findings reveal that there are no significant differences between the financial performance of government-owned and privately-owned Islamic banks in terms of ROA, BOPO, FDR, and NPF. However, significant differences were found in the CAR and ROE ratios, indicating differences in capital management strategies and the ability to generate returns on equity.These differences are likely influenced by ownership structure and the management policies of each bank. This study provides valuable insights for stakeholders in understanding the dynamics of the financial performance of Islamic banks, both privately-owned and government-owned, which can be used as a basis for strategic decision-making by investors and regulators.
Optimalisasi Manajemen Usaha Pada UMKM Rumah Jahit Al-Faruq Habie, Riska Octavia; Larasati, Suci; Aisyah, Mitra Riani; Gobel, Ritfiani; Idrus, Jein; Hanapi, Siti Fatilawati
Eastasouth Journal of Positive Community Services Vol 3 No 02 (2025): Eastasouth Journal of Positive Community Services (EJPCS)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/ejpcs.v3i02.302

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memainkan peran yang sangat penting dalam perekonomian Indonesia. Namun, masih banyak UMKM yang menghadapi tantangan besar dalam hal pengelolaan, terutama dalam aspek manajerial misalnya Rumah Jahit Al-Faruq. Penurunan ini disebabkan oleh dampak pandemi COVID-19 serta pesatnya perkembangan e-market, yang membuat banyak konsumen lebih memilih membeli pakaian siap pakai daripada memesan jahitan. Tujuan dari kegiatan ini adalah untuk menambah wawasan dan pengetahuan mengenai pentingnya manajemen usaha melalui pemberian edukasi dan pendampingan yang akan dilaksanakan sebagai bagian dari kegiatan pengabdian, yang berlokasi di Desa Tolotio Kecamatan Tibawa Kabupaten Gorontalo. Metode yang dilakukan dalam kegiatan ini berupa studi pendahuluan, materi edukasi, sesi sharing, pendampingan dan evaluasi yang dilakukan oleh Tim Pengabdian Masyarakat Fakultas Ekonomi dan Bisnis Islam IAIN Sultan Amai Gorontalo.
Literasi Digital dan Etika Bermedia Sosial di Kalangan Remaja Larasati, Suci; Habie, Riska Octavia; Aisyah, Mitra Riani; Fadel, Moh.; Sintiawati, Rini
Easta Journal of Innovative Community Services Vol 3 No 03 (2025): Easta Journal of Innovative Community Services (EJINCS)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/ejincs.v3i03.359

Abstract

Tingginya penggunaan platform seperti TikTok, Instagram, dan Facebook oleh remaja Indonesia yang belum disertai dengan kemampuan mengevaluasi informasi secara kritis maupun memahami prinsip etika digital. Program pengabdian masyarakat ini bertujuan untuk meningkatkan literasi digital dan kesadaran etika bermedia sosial di kalangan remaja. Metode yang digunakan meliputi lima tahap: (1) observasi awal dan pemetaan kebutuhan melalui survei, wawancara, dan diskusi kelompok; (2) penyampaian materi edukasi terkait literasi digital, hoaks dan disinformasi, etika bermedia, cyberbullying, dan manajemen screen time; (3) pelatihan pembuatan konten positif menggunakan aplikasi Canva dan CapCut; (4) kampanye digital remaja melalui pameran mini dan siaran langsung Instagram/YouTube; serta (5) evaluasi melalui pre-test dan post-test. Hasil kegiatan menunjukkan peningkatan signifikan dalam pemahaman literasi digital. Semua peserta berhasil menciptakan konten edukatif. Program ini terbukti efektif dalam mendorong perubahan sikap digital remaja dan layak direplikasi di sekolah lain sebagai model edukasi digital yang berkelanjutan.
Building consumer trust through live streaming: A study of fashion purchase behavior Larasati, Suci; Aisyah, Mitra Riani; Habie, Riska Octavia; Rusdi, Wahyudi
Junal Ilmu Manajemen Vol 8 No 3 (2025): July: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v8i3.704

Abstract

In recent years, live streaming has emerged as a transformative force in the digital commerce landscape, particularly within the fashion industry. This study aims to analyze the effect of live streaming on consumer purchasing behavior, with trust as a mediating variable. This research uses a quantitative approach, with data collected through questionnaires distributed to 276 respondents in Gorontalo Province, who are active consumers in purchasing fashion products through live streaming services such as Shopee Live and TikTok Live. The analysis was carried out using SmartPLS 3 software to test the validity, reliability, and structural relationships between variables. The results reveal three key findings: (1) live streaming exerts a significant and positive direct influence on purchase decisions; (2) live streaming significantly enhances consumer trust; and (3) trust itself significantly predicts purchase decisions. These findings underscore the dual function of live streaming as both a transactional and relational tool in online shopping contexts. Theoretically, the study enriches the literature by integrating real-time interactive media into trust-based consumer behavior models. Practically, the findings offer strategic insights for digital marketers and e-commerce platforms seeking to optimize live streaming as a trust-building and conversion-enhancing mechanism. These findings strengthen previous literature and emphasize the importance of interaction quality in live streaming-based digital marketing strategies. This research provides strategic implications for fashion businesses to optimize live-streaming features in building customer trust.
PENGARUH NON PERFORMING FINANCING, RASIO BIAYA OPERASIONAL PADA PENDAPATAN OPERASIONAL, DAN FINANCING TO DEPOSIT RATIO TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA TAHUN 2018 - 2022 Aisyah, Mitra Riani; Rusdi, Wahyudi; Fadhilah, Nurul
ADL ISLAMIC ECONOMIC : Jurnal Kajian Ekonomi Islam Vol 5 No 1 (2024): Adl Islamic Economic: Jurnal Kajian Ekonomi Islam
Publisher : Sekolah Tinggi Ekonomi Islam Al-Furqon Prabumulih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56644/adl.v5i1.111

Abstract

Indonesia merupakan negara dengan populasi muslim yang besar, perbankan syariah sangat diperlukan sebagai lembaga keuangan alternatif yang sesuai dengan prinsip Islam. Dalam persaingan dengan perbankan konvensional, Perbankan syariah terus mempelihatkan kinerja positf dengan nilai aset, dana pihak ketiga (DPK) yang terus meningkat, dan diiringi dengan kenaikan pembiayaan yang disalurkan. Penelitian ini bertujuan untuk meneliti Non Performing Financing (NPF), Beban Operasional Per Pendapatan Operasional (BOPO), dan Financing To Deposit Ratio (FDR) berpengaruh secara simultan maupun parsial terhadap Return On Asset (ROA) pada Bank Syariah di Indonesia tahun 2018-2022. Penelitian ini merupakan penelitian kuantitatif. Populasi yang berada pada penelitian ini merupakan seluruh Bank Syariah yang Terdaftar di Bursa Efek Indonesia. Pengambilan sampel yang digunakan dalam penelitian ini menggunakan Teknik Purposive Sampling. Sampel yang digunakan pada penelitian ini hanya berjumlah 5 Bank Syariah. Data yang digunakan dalam penelitian ini diperoleh dari laporan keuangan yang telah dipublikasi dari situs resmi Bursa Efek Indonesia selama tahun 2018-2022. Hasil penelitian secara simultan menunjukkan bahwa NPF, BOPO, dan FDR berpengaruh signifikan terhadap ROA. Hasil penelitian secara parsial menunjukkan bahwa NPF tidak berpengaruh signifikan terhadap ROA. Kemudian untuk BOPO berpengaruh signifikan terhadap ROA, dan LDR tidak berpengaruh signifikan terhadap ROA.
Exploring The Meaning Of Islamic Accounting Courses For Students: A Phenomenological Approach Husain, Fauziah; Aisyah, Mitra Riani; Musa, Nurain
JAS (Jurnal Akuntansi Syariah) Vol 8 No 1 (2024): JAS (Jurnal Akuntansi Syariah) - June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jas.v8i1.1786

Abstract

This research aims to explore the meaning of Islamic accounting courses for students. This qualitative research uses an interpretive paradigm and a transcendental phenomenological approach. The data source uses primary data with observation and interview data collection techniques, where the research informants are 20 students who have programmed Islamic accounting courses in the Islamic accounting study program at IAIN Sultan Amai Gorontalo. Before data analysis is carried out, a data validity test consists of credibility, dependability and confirmability tests. This research shows that learning Islamic accounting courses must focus on developing student competencies, optimizing business processes, and developing Islamic accounting applications. This research can contribute to developing academic literature on Islamic accounting by expanding understanding of the effectiveness of learning models on students' understanding of Islamic accounting courses. This research can contribute to universities improving and enhancing Islamic accounting learning models, making them more relevant and valuable for students in the world of work.
Persaingan dalam Perbankan Syariah: Studi Perbandingan Kinerja Bank Syariah Swasta dan Pemerintah di Indonesia Aisyah, Mitra Riani; Wahyudi Rusdi
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 2 (2024): Vol. 8 No.2 Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i2.9548

Abstract

Comparing the financial performance between privately-owned Islamic banks and government-owned Islamic banks in Indonesia is the objective of this study. The analysis is conducted using key financial ratios such as Return on Assets (ROA), Operational Costs to Operational Income (BOPO), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), and Return on Equity (ROE). These ratios were selected because they provide a comprehensive overview of profitability, operational efficiency, capital adequacy, and the banks' ability to channel financing.The data analyzed were sourced from the annual financial reports of Islamic banks in Indonesia for a specific period. This study employs a quantitative approach using SPSS 25 software to process the secondary data. Based on the analysis conducted, the findings reveal that there are no significant differences between the financial performance of government-owned and privately-owned Islamic banks in terms of ROA, BOPO, FDR, and NPF. However, significant differences were found in the CAR and ROE ratios, indicating differences in capital management strategies and the ability to generate returns on equity.These differences are likely influenced by ownership structure and the management policies of each bank. This study provides valuable insights for stakeholders in understanding the dynamics of the financial performance of Islamic banks, both privately-owned and government-owned, which can be used as a basis for strategic decision-making by investors and regulators.
Co-Authors Fadel, Moh. Gobel, Ritfiani Habie, Riska Octavia Hanapi, Siti Fatilawati Husain, Fauziah Idrus, Jein Larasati, Suci Musa, Nurain Nurul Fadhilah Rusdi, Wahyudi Sintiawati, Rini Wahyudi Rusdi