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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.
ANALISIS KLAIM PASIEN COVID-19 PADA PRODUK MiSMART HEALTH CARE SYARIAH MANULIFE INDONESIA Handayani, Annisya Nuriva; Rahmi, Mira
Veteran Economics, Management, & Accounting Review Vol 1 No 1 (2022)
Publisher : Fakultas Ekonomi Dan Bisnis, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59664/vemar.v1i1.4828

Abstract

MiSmart Health Care Syariah product claims have 4 stages, namely notification, proof of documents, investigation, and payment of claims. The implementation of Covid-19 patient claims on MiSmart Health Care Syariah products is also in accordance with Fatwa No.21/DSN-MUI/X/2001, namely Claims are paid according to the amount agreed at the beginning of the contract, Manulife Indonesia pays claims according to the premium amount, Manulife Indonesia is located as a fund manager (mudharib) for premiums paid by insurance participants while the customer is the owner of the money (shohibul mal) and fulfills its obligations by approving every claim submitted by the customer in accordance with the provisions of the policy, while according to POJK No.69/POJK.05 /2016, namely Manulife Indonesia makes payment of claims for Covid-19 patients in no more than 14 days, in collaboration with Admedika as an assessor and investigation of claims administration, submission of proof of claim documents in accordance with existing regulations and payment of claims will be made by the finance department of Manulife Indonesia.  Keywords: Claims; Covid-19; Sharia Insurance AbstrakKlaim produk MiSmart Health Care Syariah terdapat 4 tahap, yaitu pemberitahuan, bukti dokumen, penyelidikan, dan pembayaran klaim. Pelaksanaan klaim pasien Covid-19 pada produk MiSmart Health Care Syariah juga telah sesuai dengan Fatwa No.21/DSN-MUI/X/2001, yaitu klaim dibayarkan sesuai dengan jumlah yang disepakati dalam awal akad, Manulife Indonesia membayarkan klaim sesuai dengan besaran premi, Manulife Indonesia berkedudukan sebagai pengelola dana (mudharib) atas uang premi yang dibayarkan peserta asuransi sementara nasabah berkedudukan sebagai pemilik uang (shohibul mal) dan memenuhi kewajibannya dengan menyetujui setiap klaim yang diajukan nasabah sesuai dengan ketentuan polis, sedangkan menurut POJK No.69/POJK.05/2016 yaitu Manulife Indonesia melakukan pembayaran klaim pasien Covid-19 tidak lebih dari 14 hari, bekerjasama dengan Admedika sebagai penilai dan penyelidikan administrasi klaim, penyerahan bukti dokumen klaim sesuai ketentuan yang ada dan Pembayaran klaim akan dilakukan oleh bagian keuangan dari pihak Manulife Indonesia.Kata Kunci: Asuransi Syariah; Covid-19; Klaim.
NILAI TUKAR MEMODERASI RASIO KEUANGAN DALAM MENSTIMULUS RETURN SAHAM SYARIAH Fadlirahman, Farhan; Mira Rahmi
Veteran Economics, Management, & Accounting Review Vol 2 No 2 (2024)
Publisher : Fakultas Ekonomi Dan Bisnis, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59664/vemar.v2i2.6245

Abstract

Tujuan dari penelitian ini untuk mengetahui bagaimana pengaruh Current Ratio (CR), Return on Assets (ROA), dan Debt to Equity Ratio (DER) terhadap return saham syariah dan nilai tukar sebagai variabel moderating. Penelitian ini menggunakan teknik purposive sampling pada perusahaan pertambangan yang terdapat pada index JII periode 2012–2021 dan didapatkan sebanyak 5 sampel perusahaan. Analisis data menggunakan regresi linier berganda. Hasil penelitian menunjukkan secara parsial Current Ratio, Return on Assets, dan Debt to Equity Ratio tidak berpengaruh signifikan terhadap return saham. Hasil penelitian juga menunjukkan nilai tukar dapat memoderasi pengaruh Current Ratio, Return on Assets, dan Debt to Equity Ratio terhadap Return Saham. Keterbatasan dalam penelitian ini adalah hanya menggunakan sampel penelitian terbatas hanya pada sektor pertambangan yang tercatat di JII, hanya 5 dari 6 populasi yang dijadikan sampel penelitian, dan variabel penelitan yang terlalu umum diketahui oleh investor. Bagi penelitian selanjutnya, diharapkan dapat menambahkan variabel independen lainnya dan menambahkan variabel makroekonomi yang lain sebagai variabel moderasi. Kata Kunci: Current Ratio, Return on Assets, Debt to Equity Ratio, nilai tukar The purpose of this study is to find out how the influence of Current Ratio (CR), Return on Assets (ROA), and Debt to Equity Ratio (DER) on Islamic stock returns and exchange rates as a moderating variable. This study used a purposive sampling technique for mining companies listed on the JII index for the 2012–2021 period and obtained a total of 5 sample companies. Data analysis using multiple linear regression. The results showed that partially Current Ratio, Return on Assets, and Debt to Equity Ratio did not have a significant effect on stock returns. The results of the study also show that exchange rates can moderate the effect of Current Ratio, Return on Assets, and Debt to Equity Ratio on Stock Returns. The limitations in this study are that it only uses research samples that are limited to the mining sector recorded on JII, only 5 out of 6 populations are used as research samples, and research variables that are too commonly known by investors. For further research, it is expected to be able to add other independent variables and add other macroeconomic variables as moderating variables. Keywords: Current Ratio, Return on Assets, Debt to Equity Ratio, exchange rate
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.
INFLASI, HARGA EMAS, JUMLAH NASABAH, PENDAPATAN USAHA, DAN PENYALURAN PEMBIAYAAN RAHN Nabilah, Bilqis; Rahmi, Mira
Veteran Economics, Management, & Accounting Review Vol 1 No 2 (2023)
Publisher : Fakultas Ekonomi Dan Bisnis, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59664/vemar.v1i2.5711

Abstract

The development of Rahn's financing distribution is still quite low compared to KCA financing at PT. Pegadaian. Of course there are internal and external factors that will affect the amount of the financing distribution. The purpose of this study was to analyze the effect of inflation, gold prices, number of customers, and operating income on the distribution of Rahn's financing at PT. Pegadaian period 2016-2020. Quantitative research approach with secondary data using multiple linear regression analysis method. The results of this study are the influence of the independent variables simultaneously on the distribution of Rahn's financing. However, in a partial test, only the Gold Price, Number of Customers, and Operating Income factors have a significant influence on the distribution of Rahn's financing, while the inflation factor does not have a significant effect on the distribution of Rahn's financing. The results of this study are expected to provide benefits based on existing information in order to design new strategies, so that the distribution of Rahn increases Keywords: Gold Price; Inflation; Number of Customers; Operating Income; Rahn
KEKUATAN KINERJA KEUANGAN DALAM MENINGKATKAN HARGA SAHAM SYARIAH Mu'min, Ahmad Muzaqi; Rahmi, Mira
Veteran Economics, Management, & Accounting Review Vol 2 No 1 (2023)
Publisher : Fakultas Ekonomi Dan Bisnis, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59664/vemar.v2i1.6246

Abstract

This study aims to analyze how much influence ROE, EPS, and PER have on Islamic stock prices with inflation as a moderating variable. This research method is quantitative using secondary data and panel data regression analysis method. The research findings confirm that ROE and PER have a significant effect on stock prices directly, while EPS does not have a significant effect on stock prices directly. To test inflation as a moderation is not able to moderate the relationship between the ROE, EPS, and PER variables indirectly. For further research it is recommended to use the addition of independent variables other than those used in this study, as well as taking other population and sector samples. Keywords: efficiency of corporate tax burden; the role of a tax consultant; tax management   Abstrak Suatu pilihan untuk masyarakat untuk berinvestasi pada pasar modal, salah satunya Investasi saham pada pasar modal syariah merupakan pilihan yang sangat membantu untuk kaum muslim diantara pasar modal lain yang tidak terjamin perputaran keuangannya dalam syariat islam. Selain itu, untuk menjamin keuntungan yang akan didapatkan, perlunya analisis dalam melihat bagaimana kinerja keuangan perusahaan mempengaruhi harga sahamnya. Penelitian ini bertujuan untuk menganalisis seberapa besar pengaruh yang dihasilkan ROE, EPS, dan PER terhadap Harga Saham Syariah dengan Inflasi sebagai variabel moderasi. Metode penelitian ini adalah kuantitatif dengan menggunakan data sekunder dan metode analisis regresi data panel. Temuan penelitian mengkonfirmasi bahwa ROE dan PER memiliki pengaruh signifikan terhadah harga saham secara langsung, sementara EPS tidak berpengaruh signifikan terhadap harga saham secara langsung. Untuk pengujian inflasi sebagai moderasi tidak mampu memoderasi hubungan antara variabel ROE, EPS, dan PER secara tidak langsung. Bagi penelitian selanjutnya disarankan untuk menggunakan penambahan variabel-variabel independent selain yang digunakan pada penelitian ini, serta mengambil populasi dan sampel sektor lain. Kata Kunci: ROE, EPS, PER, harga saham, inflasi   Abstract  An option for people to invest in the capital market, one of which is investing in shares in the Islamic capital market is a very helpful option for Muslims among other capital markets whose financial turnover is not guaranteed in Islamic law. In addition, to guarantee the benefits that will be obtained, an analysis is needed to see how the company's financial performance affects its share price. This study aims to analyze how much influence ROE, EPS, and PER have on Islamic stock prices with inflation as a moderating variable. This research method is quantitative using secondary data and panel data regression analysis method. The research findings confirm that ROE and PER have a significant effect on stock prices directly, while EPS does not have a significant effect on stock prices directly. To test inflation as a moderation is not able to moderate the relationship between the ROE, EPS, and PER variables indirectly. For further research it is recommended to use the addition of independent variables other than those used in this study, as well as taking other population and sector samples.  Keywords: ROE, EPS, PER, stock prices, inflation