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All Journal Jurnal Ekonomi dan Bisnis Islam MBIA Equity: Jurnal Ekonomi IJOIS: Indonesian Journal of Islamic Studies Jurnal Muhammadiyah Manajemen Bisnis (JMMB) eCo-Fin Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance Procedia of Social Sciences and Humanities Wahana Jurnal Pengabdian Masyarakat Bangsa JMBD Media Riset Bisnis Ekonomi Sains dan Terapan
Ramadhan, Zulfikar
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Analisis Tingkat Kesehatan Bank Dengan Menggunakan Metode RGEC Pada Bank Pembangunan Daerah Muhamad Fadeal Raihan; Ramadhan, Zulfikar
Jurnal Manajemen & Bisnis Digital Vol. 2 No. 1 (2023): Jurnal Manajemen dan Bisnis Digital
Publisher : Prodi Manajemen dan Bisnis Digital Universitas Binawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54771/jmbd.v2i1.976

Abstract

Abstrak: Tujuan riset yaitu menganalsis tingkat kesehatan Bank Pembangunan Daerah ditinjau dari metode RGEC (Risk Profile, Good Corporate Governance, Earnings, Capital) dengan menggunakan penelitian deskriptif dan data sekunder. PT. BPD Banten, PT. BPD Jawa Barat & Banten, dan PT. BPD Jawa Timur adalah 3 Bank Pembangunan Daerah yang menjadi sampel. Temuan penelitian pada tingkat kesehatan Bank Pembangunan Daerah dari Risk Profile mendapat peringkat komposit 2 yakni sehat. Seangkan aspek penilaian Good Corporate Governance mendapat peringkat komposit 3 yakni cukup sehat. Kemudian earnings mendapat peringkat komposit 2 yakni sehat. Selanjutnya dari aspek Capital mendapat peringkat komposit 1 yakni sangat sehat. Selain itu, temuan penilaian tingkat kesehatan Bank Pembangunan Daerah secara keseluruhan dari aspek RGEC selama tahun 2017-2021 berada peringkat komposit 2 yaitu sehat.   Kata kunci: Tingkat kesehatan bank, Bank pembangunan daerah, Metode RGEC.   Abstract: The aim of the research is to analyze the soundness level of Regional Development Banks in terms of the RGEC method (Risk Profile, Good Corporate Governance, Earnings, Capital) using descriptive research and secondary data. PT. BPD Banten, PT. BPD West Java & Banten, and PT. BPD East Java are the 3 Regional Development Banks that are the sample. Research findings at the Regional Development Bank health level from the Risk Profile get a composite rating of 2, namely healthy. Meanwhile, aspects of the assessment of Good Corporate Governance received a composite rating of 3, which is quite healthy. Then earnings get a composite rating of 2 which is healthy. Furthermore, from the Capital aspect, it received a composite rating of 1, namely very healthy. In addition, the findings of the assessment of the overall health level of the Regional Development Bank from the RGEC aspect during 2017-2021 were in a composite rating of 2, namely healthy.   Key words: Bank soundness level, regional development bank, RGEC method.
Company Size And Debt To Equity Ratio To Corporate Bond Yield To Maturity: Ukuran Perusahaan Dan Debt To Equity Ratio Terhadap Yield To Maturity Obligasi Korporasi Ramadhan, Zulfikar; Sutanti; Munawaroh, Azizatul; Oktariani, Dwi
Procedia of Social Sciences and Humanities Vol. 3 (2022): Proceedings of the 1st SENARA 2022
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/pssh.v3i.132

Abstract

The purpose of this study was to determine the effect of firm size and debt to equity ratio on the yield to maturity of corporate bonds. The research design is associative with quantitative type. The data used is secondary data in the form of financial reports published by the Indonesia Stock Exchange. The population used is all sectoral companies that issue corporate bonds for the 2017-2020 period listed on the Indonesia Stock Exchange and the Indonesia Central Securities Depository so that the selected population is 109 companies. The sampling technique uses the purposive samplingmethod, so that the selected sample is 4 companies. The analytical method used is multiple linear regression. By doing the classical assumption test, regression equation analysis, and the feasibility test of the regression model in which it is known that firm size has a positive and significant effect on the yield to maturity of corporate bonds, in addition the debt to equity ratio has positive and significant effect. To the yield to maturity of corporate bonds.
TECHNOLOGY ADOPTION ANALYSIS OF ISLAMIC BANKS MOBILE BANKING IN INDONESIA Siti Jamilah; Ramadhan, Zulfikar; Yalina, Nita; Nabighah, Mirrah
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 10 No. 2 (2024): JULY - DECEMBER 2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v10i2.65113

Abstract

Introduction: The primary objective of this research is to explore customer trust, attitudes, and experience , directly effect on perceived usefulnessas and perceived ease, and indirectly impact on attitude toward using and actual system use, as utilizing Mobile Banking of the 5 Top Brand Award Sharia Banks. Methods: The study employs a quantitative method, focusing on understanding the interrelations between multiple variables. Exerting random sampling of 280 customers from the 5 Top Brand Award Sharia Banks participated as respondents in the study, and data was collected through both questionnaires and secondary sources. Results: The findings from the study indicate that all variables i.e. customer trust, attitude, and experience have a significant effect on perceived usefulness and perceived ease of use. Furthermore, both of them also have significant on attitude toward using and actual system use. Conclusion and suggestion: In summary, the technology adoption and mobile banking use by consumers variables can be explained by the perceived usefulness and perceived ease of use variables. It implicates that customers have confidence that mobile banking provides benefits for customers related to financial transaction solutions. Therefore, Islamic banks have to always update their technology and inform the public how to use it.
Halal E-commerce: Concept and Implementation in the Food and Beverage Industry Ramadhan, Zulfikar; Purborini, Vivi Sylvia
IJoIS: Indonesian Journal of Islamic Studies Vol. 5 No. 2 (2024): Indonesian Journal of Islamic Studies
Publisher : Civiliza Publishing

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

Abstract

e-commerce has greatly expanded its application and scope. More traditional industries have now been incorporated into e-commerce, a significant one of which, in terms of product categories, includes the halal industry. This research uses literature studies, which include literature studies related to the concept of halal in Islam. Literature study on the principles of muamalah in Islam. Literature review about e-commerce and its development in Indonesia. One of the key areas under the halal definition is the treatment of food, food ingredients, and the method of processing. The development of a food and beverage market for Muslims generates interest from a technical point of view, as the aspect of halal must be adhered to. The halal market for Muslims is expanding day by day, in large part due to the spread of Islam in different societies and countries.
DIGITALISASI DALAM PEMERINTAHAN: LANGKAH STRATEGIS PASCA PANDEMI COVID-19 Ramadhan, Zulfikar
Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance Vol. 4 No. 2 (2024): Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/bureau.v4i2.408

Abstract

The COVID-19 pandemic has exposed weaknesses in government systems around the world, driving the need for rapid and effective transformation. Digitalization in government has emerged as one of the most significant strategic steps to face post-pandemic challenges. This research aims to explore the role of digitalization in improving operational efficiency, transparency and quality of public services. Through analysis of case studies from various countries, this article identifies the main benefits of adopting digital technologies, including faster response to emergency situations, more effective monitoring and reporting, and better provision of health and social services. However, digitalization also faces various challenges, such as infrastructure limitations, cyber security, resistance to change, and policy obstacles. This article offers strategic recommendations to overcome these challenges, including developing digital infrastructure, increasing human resource capacity, updating policies, and improving cybersecurity. The method used in this research is the normative juridical legal research method. With commitment and cooperation from various parties, digitalization in government can be the key to building a more resilient and responsive government system in the future
Sosialisasi Optimasi Nilai Kalor Biopelet Kayu Karet Melalui Proses Hidrotermal di Desa Tarahan, Kabupaten Lampung Selatan Yanti, Demi Dama; A’yuni , Dewi Qurrota; Satria , Arysca Wisnu; Auriyani, Wika Atro; Sanjaya, Andri; Deviany, Deviany; Mediana, Annisa; Putri, Amelia Syifa Divana; Ramadhan, Zulfikar; Nurafinda, Meylani Dwi; Alhuda, Alhuda
Jurnal Pengabdian Masyarakat Bangsa Vol. 3 No. 2 (2025): April
Publisher : Amirul Bangun Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59837/jpmba.v3i2.2223

Abstract

Biomassa merupakan salah satu sumber energi alternatif yang dapat dijadikan biopelet. Biopelet merupakan adalah jenis bahan bakar padat berbentuk pelet yang memiliki keseragaman ukuran, bentuk, kelembaban, densitas dan kandungan energi. Biopelet ini dapat dibuat dari berbagai biomassa, salah satunya yaitu kayu karet. Karet merupakan salah satu sumber daya alam yang terdapat di Provinsi Lampung, berdasarkan data direktorat jenderal Perkebunan tahun 2023, Provinsi Lampung memiliki luas areal 4,57% dari seluruh luas areal Perkebunan karet di Indonesia. Desa Tarahan yang berada di Kabupaten Lampung Selatan, merupakan salah satu daerah yang memiliki lahan karet di dalamnya, sehingga perlu diberikan sosialisasi pemanfaatan limbah biomassa kayu karet untuk pembuatan biopelet. Kegiatan sosialisasi dilakukan di Balai Desa, Desa Tarahan yang diikuti sebanyak 25 peserta. Sebelum pelaksanaan sosialisasi peserta diberikan soal pretest, dan setelah kegiatan sosialisasi diberikan soal postest. Berdasarkan hasil pretest dan postest, terjadi peningkatan pengetahuan peserta tentang pemanfaatan kayu karet sebagai biopelet
Pengaruh Ukuran Perusahaan dan Likuiditas Terhadap Profitabilitas Perusahaan Subsektor Produk Rumah Tangga Tidak Tahan Lama Kartikasari, Verawati; Ramadhan, Zulfikar
MBIA Vol. 23 No. 3 (2024): Management, Business, and Accounting (MBIA)
Publisher : Direktorat Riset dan Pengabdian kepada Masyarakat Universitas Bina Darma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33557/6aq37t57

Abstract

This study aims to analyze the effect of firm size and liquidity on profitability in companies within the non-durable household products sub-sector. An associative quantitative approach is employed, using secondary data from financial statements published on the Indonesia Stock Exchange for 2019–2023. The sample was selected using a purposive sampling technique, resulting in five companies that met the research criteria. Data analysis was conducted using Eviews 12, beginning with the Chow and Hausman tests to determine the most appropriate panel regression model. The tests indicated that the fixed effect model was suitable. Further analysis included classical assumption tests, regression estimation, and hypothesis testing. Multiple linear regression analysis was used for hypothesis testing, which included the t-test, F-test, and coefficient of determination (R²). The results reveal that firm size positively and significantly affects profitability, suggesting that larger firms tend to be more profitable. In contrast, liquidity has a negative but statistically insignificant effect, indicating that higher liquidity does not necessarily lead to increased profitability.   Keywords: Firm Size, Liquidity, Profitability   Abstrak Penelitian ini bertujuan untuk menganalisis pengaruh ukuran perusahaan dan likuiditas terhadap profitabilitas pada perusahaan subsektor produk rumah tangga yang tidak tahan lama. Pendekatan yang digunakan adalah kuantitatif asosiatif dengan data sekunder dari laporan keuangan yang dipublikasikan di Bursa Efek Indonesia periode 2019–2023. Sampel ditentukan melalui teknik purposive sampling dan diperoleh 5 perusahaan yang memenuhi kriteria. Penelitian ini memanfaatkan perangkat lunak statistik Eviews 12 untuk menganalisis data dimulai dengan Uji Chow dan Uji Hausman untuk memilih model regresi panel yang sesuai, dan hasilnya menunjukkan penggunaan metode fixed effect model. Pengujian dilanjutkan dengan uji asumsi klasik, estimasi regresi, dan uji hipotesis. Pengujian hipotesis dalam penelitian ini dilakukan menggunakan analisis regresi linier berganda yang mencakup uji t, uji F, dan uji koefisien determinasi (R²). Hasil menunjukkan bahwa ukuran perusahaan berpengaruh positif dan signifikan terhadap profitabilitas. Hal ini menujukkan perusahaan yang lebih besar cenderung memiliki profitabilitas lebih tinggi. Sebaliknya, likuiditas berpengaruh negatif namun tidak signifikan. Sehingga mengindikasikan bahwa tingginya likuiditas tidak selalu meningkatkan profitabilitas.   Kata kunci: Likuiditas, Profitabilitas, Ukuran Perusahaan
Pendampingan Teknik Pemeraman Buah Pisang dan Pembuatan QRIS (Quick Response Code Indonesian Standard) pada Usaha Mikro Kedai Pisang Sutanti , Sutanti; Ramadhan, Zulfikar; Rahmadona, Lola; Septiandri, Winny Dwi; Muhlizar, Muhlizar
Wahana Jurnal Pengabdian kepada Masyarakat Vol. 4 No. 1 (2025): Edisi Juni
Publisher : Ilmu Bersama Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56211/wahana.v4i1.776

Abstract

Program pengabdian masyarakat ini dilaksanakan bekerjasama dengan usaha mikro kedai pisang milik Hj. Nasuh yang berlamat di Jl. Alam Segar No.1 Desa Bambu Apus Kecamatan Pamulang Kota Tangerang Selatan, Provinsi Banten. Jenis usaha yang dijalankan adalah usaha perdagangan buah-buahan dengan buah pisang sebagai produk utamanya. Lokasi mitra PKM sekitar 7,6 KM dari Universitas Muhammadiyah Jakarta yang dapat ditempuh kurang lebih 23 menit dengan menggunakan kendaraan roda empat atau sekitar 19 menit dengan menggunakan kendaraan roda dua. Permasalahan yang dihadapi mitra adalah masalah teknik pemeraman pisang yang masih tidak memiliki standar prosedur yang tepat karena dilakukan secara random dan tidak ada pencatatan hasil dari setiap aktivitas yang dilakukan sehingga tidak dapat diperhitungkan secara tepat kapan pisang akan matang sempurna dan siap untuk dijual. Selain itu masalah manajemen pemasaran yang masih terbatas pada penjualan secara langsung menggunakan uang tunai sehingga volume penjualan cenderung stag atau sulit mengalami peningkatan. Oleh karena itu tim PKM ingin melakukan binaan terhadap mitra Usaha Mikro Kedai Pisang Hj. Nasuh dengan memberikan pendampingan teknik pemeraman buah pisang dengan standar operasional prosedur yang tepat agar waktu matang pisang dapat diprediksi secara tepat dan pembuatan QRIS agar volume penjualan dapat meningkat terutama pada masyarakat di era digital yang pada umumnya jarang membawa uang tunai.
The Influence Of Financial Literacy And Ease Of Use Of The Qris System On Students’ Decisions In Using Qris Wulandari, Sri Winda; Ramadhan, Zulfikar
Equity: Jurnal Ekonomi Vol 13 No 1 (2025): Equity : Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v13i1.412

Abstract

The purpose of this study is to determine the influence of financial literacy and usefulness on students' decisions in using QRIS. This research is an associative research using a quantitative approach. The purposive sampling technique is used for sampling. The calculation of the total sample using the Lemeshow formula with an error of 5% resulted in the results of 96 samples. The data collection tool used is a questionnaire that is distributed and filled out by a sample, namely FEB students of the 2021, 2022, 2023, and 2024 batches of the University of Muhammadiyah Jakarta. Data processing was carried out using the SPSS 20 application and validity and reliability tests were used to test the instrument. We then performed a normality test, a multicollinearity test, and a heteroscedasticity test to test the classical assumptions. The data analysis methods used include multiple regression analysis, T test, F test, and determination coefficient (R2) test. The results of this study show that financial literacy and ease of use of the QRIS system have a positive and significant effect on students' decisions in using QRIS.
Profitabilitas dan Likuiditas Terhadap Nilai Perusahaan pada Subsektor Perdagangan Ritel Barang Primer yang Terdaftar di Bursa Efek Indonesia Periode 2019-2023 Anjani, Shirly; Ramadhan, Zulfikar
eCo-Fin Vol. 7 No. 1 (2025): eCo-Fin
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/ef.v7i1.1954

Abstract

The company has strategies and objectives to carry out its operation, one of which is maximizing shareholder wealth through an increase in company value in reflecting the company’s better performance. This research intends to understand the effect of profitability and liquidity on company value in the Primary Goods Retail Trade Sub-Sector listed on the IDX for the 2019-2023 period. This model of study applies a quantitative approach using secondary data. The sampling technique for this research used purposive sampling method, which is a technique for determining samples based on particular provisions or through special selection. The analytical approach employed is multiple linear regression, utilizing Eviews 12 software. According to the findings of the research conducted, it indicates that profitability has a positive but insignificant effect on company value and liquidity has a negative but significant effect on company value. Therefore, increasing profitability indicates effective asset management to attract investors and encourage an increase in stock prices. Meanwhile, low liquidity can reduce the company's share price, while too much liquidity indicates funds are not used effectively. This can be a bad signal for investors and affect the company's operational capabilities.
Co-Authors Alfarizi, Muhammad Hasannudin Alhuda, Alhuda Andri Sanjaya Anjani, Shirly Auriyani, Wika Atro A’yuni , Dewi Qurrota Demi Dama Yanti Deviany, Deviany Dwi Oktariani Fairuz, Najla Kartikasari, Verawati Lola Rahmadona, Lola Mediana, Annisa Muhamad Fadeal Raihan Muhlizar, Muhlizar Munawaroh, Azizatul Nabighah, Mirrah Nurafinda, Meylani Dwi Prakoso, Fajar adi Priharta, Andry Putri, Amelia Syifa Divana Rachmah Wahidah, Nur Satria , Arysca Wisnu Septiandri, Winny Dwi Siti Jamilah Sutanti Sutanti , Sutanti Taufan, Januar Vivi Sylvia Purborini Wahidah, Nur Rachmah Wulandari, Sri Winda Yalina, Nita