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Analisis Pengaruh Faktor Internal Dan Eksternal Terhadap Profitabilitas Pt Bank Bca Syariah, Tbk Valzsa, Teuku Zadhe; Rahmi, Mira
Islamic Economics and Business Review Vol 2 No 1 (2023): IESBIR, April 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

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

Abstract

Profitability as a benchmark in assessing profit becomes very important in checking whether a company has run its business efficiently, a bank uses ROA or Return on Assets as a measure of bank profitability. PT Bank BCA Syariah, Tbk, which is one of the Islamic banks in Indonesia with stable ROA growth, can be used as a benchmark for the growth of Islamic banking in Indonesia. This study aims to determine internal and external factors that can affect the profitability of PT Bank BCA Syariah, Tbk for the period 2012 to 2021. Internal factors use the Financing to Deposit Ratio (FDR), Non Performing Financing (NPF) and Operational costs and operating income (BOPO). Then on external factors using the BI Rate and GDP, using multiple linear regression analysis techniques. Results of this study shows that FDR and BOPO has an effect on ROA, meanwhile NPF, BI Rate and GDP has no effect. This research is expected to be useful for the development of Islamic banks in Indonesia, by knowing the factors that has an effect on profitability of Islamic banks.
Determinan Pembiayaan Bermasalah di BTN Syariah KCS Bekasi Pada Masa Pandemi Yulianti, Velia Dwi; Supriyanto, Trisiladi; Rahmi, Mira
Etihad: Journal of Islamic Banking and Finance Vol. 1 No. 2 (2021)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v1i2.3218

Abstract

The covid-19 pandemic has an impact on the community on their income, this affects people who have financing in banks where there are obstacles in paying their installments. This study aims to analyze and prove the effect of monitoring financing, business conditions, customer character, guarantees, and the covid-19 pandemic on non-performing financing at BTN Syariah KCS Bekasi. The population of this study is customers who have problematic financing at BTN Syariah KCS Bekasi. The sampling technique in this study is the Simple Random Sampling method. In this study, the source of the data obtained was the distribution of questionnaires by obtaining 127 respondents. The data analysis technique used is the SmartPLS 3.0 tool. The results obtained from this study are Financing Monitoring has a significant effect on non-performing financing, Business Conditions has no significant effect on non-performing financing, Customer Character has no significant effect on non-performing financing, Guarantee has no significant effect on non-performing financing, and the Covid-19 pandemic had a significant effect on non-performing financing.Pandemi covid-19 memberi dampak pendapatan kepada masyarakat. Hal ini yang memberi pengaruh pada kepemilikan pembiayaan di perbankan berupa kendala angsuran pembayaran. Penelitian ini bertujuan untuk menganalisis serta membuktikan pengaruh pemantauan pembiayaan, kondisi usaha, karakter nasabah, jaminan, dan pandemi covid-19 terhadap pembiayaan bermasalah di BTN Syariah KCS Bekasi. Populasi penelitian yaitu nasabah yang memiliki pembiayaan bermasalah di BTN Syariah KCS Bekasi. Teknik pengumpulan sampel dengan metode Simple Random Sampling. Adapun sumber data yang didapatkan dengan penyebaran kuesioner memperoleh 127 responden. Teknik analisis data yang digunakan dengan alat SmartPLS 3.0. Hasil penelitian menunjukkan bahwa pemantauan pembiayaan berpengaruh signifikan terhadap pembiayaan bermasalah, kondisi usaha tidak berpengaruh signifikan terhadap pembiayaan bermasalah, karakter nasabah tidak berpengaruh signifikan terhadap pembiayaan bermasalah, jaminan tidak berpengaruh signifikan terhadap pembiayaan bermasalah, dan pandemi Covid-19 berpengaruh signifikan terhadap pembiayaan bermasalah.
Akuntansi Perbankan Syariah pada SMK LP3 Istana Jakarta Selatan Rahmi, Mira; Priyanto, Toni; Gunaedi Argo, Jenji
Jurnal Pemberdayaan Masyarakat Madani (JPMM) Vol. 1 No. 2 (2017): Jurnal Pemberdayaan Masyarakat Madani (JPMM)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (708.668 KB) | DOI: 10.21009/JPMM.001.2.01

Abstract

Vocational high school (SMK) is design to set student ready to work after their finish their senior educational level. However, the current curriculum of SMK not yet design for the sharia competency. In reality, lack of knowledge of sharia were exist on students and also the teachers. Huge demand in sharia industry is not an issue for vocational high school due to the lack system and human resources. One of solution that are given by FEB UPN "Veteran" Jakarta team is socialize the sharia knowledge to SMK LP3 ISTANA, Pondok Labu, South Jakarta. The team introduced sharia banking knowledge in order to give insight opportunity for sharia banking industry, the subject given related to accounting simulation on sharia banking transaction. The action taken by The Community Service (PKM) FEB UPN "Veteran" Jakarta, were dedicated to help education community (SMK LP3 ISTANA) gets ready in preparing sharia opportunity as their skill concept for their graduated. Based on the evaluation of the results of PKM activities, the knowledge of the participants (students) SMK about Islamic banking are increase, especially regarding the accounting transactions. Furthermore there will be a visit program to the Mini's Banking FEB UPNVJ is projected to be implemented.
REBRANDING UMKM Sholihah, Dienni Ruhjatini; Fadlillah, Alnisa Min; Mira Rahmi
Jurnal Pemberdayaan Masyarakat Madani (JPMM) Vol. 6 No. 1 (2022): Jurnal Pemberdayaan Masyarakat Madani (JPMM) (DOAJ & SINTA 3 Indexed)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JPMM.006.1.02

Abstract

Micro, Small, and Medium Enterprises (MSMEs) have great potential to drive the country's economy, especially in developing countries like Indonesia. However, many views often reveal that MSMEs have low competitiveness. So, they are not considered a sustainable business and are not managed professionally, both in finance, marketing, and human resources. Therefore, currently, MSMEs are labeled as difficult to develop. This community service aims to change the paradigm of MSMEs through small steps to rebrand our MSME Partners. This activity is performed by providing assistance to the MSME participants that are related to 3 essential aspects: finance, marketing, and human resources. The assistance method in this program is carried out in some steps. The first step is carrying out observation since the location survey was carried out. Then, the implementation is carried out in these methods: lectures of theoretical presentations, assignments, practice trials, and finally, the designing of the rebranding model. With this program, the partners are expected to be able to improve and become MSMEs that are more competitive. They must have a positive image, so they can viewed as a professional business unit and generate significant profits.
Pengaruh Trend Fashion, Halal Lifestyle, dan Celebrity Endorser Terhadap Minat Beli Hijab Generasi Z di DKI Jakarta Sholikha, Amaliyah; Rahmi, Mira
Jurnal Ecodemica: Jurnal Ekonomi, Manajemen, dan Bisnis Vol 8, No 2 (2024): September 2024
Publisher : LPPM Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/eco.v8i2.21762

Abstract

The rapid growth of the Muslim population in Indonesia has created an increase in the demand for halal fashion products, especially hijabs. This demand is driven by the significant role of the Z generation, who desire to express their creativity through embroidery. This generation has become a major factor in the rapid growth of Indonesia’s hijab fashion world. The aim of this study is to identify the influence of fashion trends, halal lifestyles, and well-known endorsers on the interest in buying hijabs among the Z generation at DKI Jakarta. The study uses a quantitative approach involving respondents from the Z generation who have an interest in and experience shopping for hijabs. The sample consisted of 120 Z-generation Muslim women, who were well-known endorsers and lived in DKI Jakarta. The samples were selected using non-probability sampling techniques with purposive sampling. Data collection was carried out by distributing questionnaires with multiple linear regression data analysis techniques using partial least squares (PLS). The findings show that fashion trend variables, halal lifestyle, and well-known endorsers influence interest in purchasing the Z-generation hijab. This research is expected to contribute to the hijab industry, remain relevant to fashion trends, develop halal lifestyles, and pay attention to the use of authentic renowned endorses in hijabs.
PEMANFAATAN BUAH LERAK MENJADI SABUN RAMAH LINGKUNGAN PADA UMKM JAGAKARSA Handayani, Tati; Resti, Anggi Angga; Rahmi, Mira; Suharyati, Suharyati; HS, Sufyati; Anggraeni, Putri; Ramadhani, Putri
Jurnal Pengabdian Masyarakat: Pemberdayaan, Inovasi dan Perubahan Vol 4, No 4 (2024): JPM: Pemberdayaan, Inovasi dan Perubahan
Publisher : Penerbit Widina, Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/jpm.v4i4.719

Abstract

Household waste has become a serious global problem. However, the environmental impact of household waste is in the form of detergent waste, where the use of detergent sometimes exceeds the dosage, causing much more foam. The Lerak fruit is a natural ingredient that can be used as raw material for environmentally friendly soap. This community service aims to analyze the potential of lerak fruit as a raw material for environmentally friendly soap for Jagakarsa MSMEs. This PKM activity was carried out by providing outreach to the community in the Jagakarsa area with 13 participants. Therefore, the main aim of this community service activity is to provide knowledge and provide training on the use of environmentally friendly lerak soap to encourage the entrepreneurial spirit and skills of Jagakarsa MSME members. This activity is a real contribution to the independence and empowerment of Jagakarsa MSMEs. This community service also has a questionnaire and provides positive feedback for Jagakarsa MSMEs.ABSTRAKLimbah rumah tangga telah menjadi permasalahan global yang serius. Namun dampak lingkungan dari limbah rumah tangga berupa limbah detergen yang dimana penggunaan detergen terkadang melebihi takaran menimbulkan buih yang jauh lebih banyak. Adapun Buah Lerak yang merupakan bahan alami yang dapat dimanfaatkan sebagai bahan baku sabun ramah lingkungan. Pengabdian masyarakat ini bertujuan untuk menganalisis potensi buah lerak sebagai bahan baku sabun ramah lingkungan pada UMKM Jagakarsa. Dalam kegiatan PKM ini dilakukan dengan melakukan penyuluhan kepada masyarakat di daerah Jagakarsa dengan peserta sebanyak 13 Orang. Oleh karena itu, tujuan utama dari kegiatan pengabdian masyarakat ini adalah untuk memberikan pengetahuan dan mengadakan pelatihan pemanfaatan sabun lerak ramah lingkungan untuk mendorong jiwa berwirausaha dan keterampilan para anggota UMKM Jagakarsa. Kegiatan ini sebagai kontribusi nyata dalam memandirikan dan memberdayakan para UMKM Jagakarsa. Pengabdian masyarakat ini juga memiliki kuesioner dan memberikan feedback yang positif bagi para UMKM Jagakarsa.
Determinan Minat Beli Makanan dan Minuman pada Restoran Korea di Jabodetabek rahmi, Mira; Tsaniya Al-Labiyah, andira
Islamic Economics and Business Review Vol 3 No 2 (2024): IESBIR, August 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59580/iesbir.v3i1.8602

Abstract

Abstract South Korean culture has a considerable influence in several countries, one of which is Indonesia. The great interest of the public in Korean culture has given rise to buying interest in consuming everything related to South Korea as a lifestyle followed by young people, in particular, one of which is for South Korean specialties. This situation can be an opportunity for entrepreneurs to serve food products with a South Korean-style taste and atmosphere that is implemented with Korean restaurant businesses or businesses, but the consumption of South Korean-style food has not been accompanied by awareness of halal products. The purpose of this study is to find out how consumers' tendency to buy food from Korean restaurants in Greater Jakarta is influenced by factors such as lifestyle, price, and halal awareness. This study utilizes a quantitative approach through the application of the multiple linear regression method. The population of this study is the Muslim population who know halal Korean restaurants in Greater Jakarta. The results of this study prove that lifestyle, price, and halal awareness have an influence on buying interest in Korea Jabodetabek restaurants. The halal Korean restaurant industry in Greater Jakarta should consider lifestyle trends, maintain service quality with prices and halal foodstuffs..   Keywords: lifestyle, prices, halal awareness, Korean restaurant.   Abstrak Budaya Korea Selatan mempunyai pengaruh yang cukup besar di beberapa negara, salah satunya di Indonesia. Besarnya ketertarikan masyarakat kepada budaya Korea memunculkan minat beli dalam mengkonsumsi segala sesuatu yang berkaitan dengan Korea Selatan sebagai gaya hidup yang diikuti oleh kalangan anak muda khususnya, salah satunya terhadap makanan khas Korea Selatan. Situasi ini dapat menjadi kesempatan bagi pengusaha untuk menyajikan produk makanan dengan cita rasa dan atmosfer ala Korea Selatan yang diimplementasikan dengan usaha atau bisnis restoran Korea, namun konsumsi makanan ala korea selatan ini belum barengi dengan kesadaran akan kehalalan produk. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana kecenderungan konsumen untuk membeli makanan dari restoran Korea di jabodetabek yang dipengaruhi oleh faktor-faktor seperti gaya hidup, harga, dan kesadaran halal. Studi ini memanfaatkan pendekatan kuantitatif melalui penerapan metode regresi linier berganda. Populasi dari penelitian ini yaitu penduduk muslim yang mengetahui restoran Korea halal di jabodetabek. Hasil dari penelitian ini membuktikan bahwa gaya hidup, harga, dan kesadaran halal memiliki pengaruh terhadap minat beli di restoran Korea jabodetabek. Industri restoran Korea halal di jabodetabek agar mempertimbangkan trend gaya hidup, menjaga kualitas pelayanan dengan harga serta kehalalan pada bahan makanan. Kata kunci: gaya hidup, harga, kesadaran halal, restoran Korea.
Analisis Pengaruh Rotasi Auditor, Audit Tenure dan Reputasi KAP terhadap Kualitas Audit Sari, Retna; Rahmi, Mira
EQUITY Vol 24 No 1 (2021): EQUITY
Publisher : Department of Accounting, Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34209/equ.v24i1.2415

Abstract

Kualitas audit di Indonesia pada saat ini sedang mengalami penurunan dengan munculnya beberapa kasus gagal audit dalam beberapa laporan keuangan untuk perusahaan yang listing di Bursa Efek Indonesia (BEI). Kasus gagal audit yang muncul terlebih dilakukan oleh beberapa Kantor Akuntan Publik (KAP) 4 besar (big four) di Dunia. Penelitian ini bertujuan untuk mengetahui pengaruh rotasi auditor, audit tenure, dan reputasi KAP terhadap kualitas audit. Sampel dalam penelitian ini adalah perusahaan manufaktur sektor barang konsumsi yang terdaftar di Bursa Efek Indonesia tahun 2016 – 2018 yaitu sebanyak 189 perusahaan yang terpilih menjadi sampel dengan menggunakan teknik purposive sampling. Teknik analisis data yang digunakan dalam penelitian ini adalah Regresi Logistik dengan tingkat signifikansi sebesar 5%. Hasil pengujian hipotesis menunjukkan bahwa rotasi auditor berpengaruh negatif terhadap kualitas audit, reputasi KAP berpengaruh positif terhadap kualitas audit, sedangkan audit tenure tidak berpengaruh terhadap kualitas audit.
Determinan Pembiayaan Bermasalah di BTN Syariah KCS Bekasi Pada Masa Pandemi Yulianti, Velia Dwi; Supriyanto, Trisiladi; Rahmi, Mira
Etihad: Journal of Islamic Banking and Finance Vol. 1 No. 2 (2021)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (424.668 KB) | DOI: 10.21154/etihad.v1i2.3218

Abstract

The covid-19 pandemic has an impact on the community on their income, this affects people who have financing in banks where there are obstacles in paying their installments. This study aims to analyze and prove the effect of monitoring financing, business conditions, customer character, guarantees, and the covid-19 pandemic on non-performing financing at BTN Syariah KCS Bekasi. The population of this study is customers who have problematic financing at BTN Syariah KCS Bekasi. The sampling technique in this study is the Simple Random Sampling method. In this study, the source of the data obtained was the distribution of questionnaires by obtaining 127 respondents. The data analysis technique used is the SmartPLS 3.0 tool. The results obtained from this study are Financing Monitoring has a significant effect on non-performing financing, Business Conditions has no significant effect on non-performing financing, Customer Character has no significant effect on non-performing financing, Guarantee has no significant effect on non-performing financing, and the Covid-19 pandemic had a significant effect on non-performing financing.Pandemi covid-19 memberi dampak pendapatan kepada masyarakat. Hal ini yang memberi pengaruh pada kepemilikan pembiayaan di perbankan berupa kendala angsuran pembayaran. Penelitian ini bertujuan untuk menganalisis serta membuktikan pengaruh pemantauan pembiayaan, kondisi usaha, karakter nasabah, jaminan, dan pandemi covid-19 terhadap pembiayaan bermasalah di BTN Syariah KCS Bekasi. Populasi penelitian yaitu nasabah yang memiliki pembiayaan bermasalah di BTN Syariah KCS Bekasi. Teknik pengumpulan sampel dengan metode Simple Random Sampling. Adapun sumber data yang didapatkan dengan penyebaran kuesioner memperoleh 127 responden. Teknik analisis data yang digunakan dengan alat SmartPLS 3.0. Hasil penelitian menunjukkan bahwa pemantauan pembiayaan berpengaruh signifikan terhadap pembiayaan bermasalah, kondisi usaha tidak berpengaruh signifikan terhadap pembiayaan bermasalah, karakter nasabah tidak berpengaruh signifikan terhadap pembiayaan bermasalah, jaminan tidak berpengaruh signifikan terhadap pembiayaan bermasalah, dan pandemi Covid-19 berpengaruh signifikan terhadap pembiayaan bermasalah.
ANALISIS LITERATUR: INTERAKSI ANTARA JOB DEMAND, KOMPETENSI SDM, DAN PROFESIONALISME DALAM LINGKUNGAN KERJA MODERN Husniati, Renny; Rahmi, Mira
Bussman Journal : Indonesian Journal of Business and Management Vol. 5 No. 2 (2025): Bussman Journal | Mei - Agustus 2025
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/buss.v5i2.425

Abstract

The transformation of the modern work environment in Indonesia over the past two years, marked by accelerated digitalization, structural organizational changes, and increasingly fierce global competition, has given rise to new challenges related to increased job demands on human resources (HR). This article aims to analyze the interaction between job demand, HR competencies (both hard skills and soft skills), and professionalism in shaping adaptive and highly competitive organizational performance. Through a review of literature and the latest national data, this article finds that the development of HR competencies relevant to the needs of the digital age, supported by strong integrity and professional ethics, serves as the primary foundation for managing work pressure and driving innovation within the organizational environment. Optimal synergy between these three aspects not only enhances productivity and the quality of work output but also strengthens mental resilience and individual commitment in facing dynamic organizational stressors. The implications of this analysis underscore the importance of HR policies focused on people-centric development, continuous training, and balanced work management between demands and empowerment, to ensure organizational sustainability and excellence in the era of global competition and national digitalization.