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ANALISIS PERBANDINGAN KINERJA KEUANGAN PERBANKAN TIGA TAHUN SEBELUM DAN TIGA TAHUN SESUDAH PENERAPAN INTERNET BANKING PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BEI Ike Roudhotul Ulfa; Abdul Qodir Djaelani; Muhammad Agus Salim
E-JRM : Elektronik Jurnal Riset Manajemen e-Jrm Vol. 06 No. 6 Agustus 2017
Publisher : UNIVERSITAS ISLAM MALANG

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ABSTRACTThis research aims to find out the impact of internet banking application thecompany banking. With research periods are 3 years before and 3 years after theapplication of internet banking .The analysis of financial performance in terms ofvarious aspects based on the purpose of internet banking application, includes:increase the funding source (Third Party Funds), decrease the operational cost,decrease the credit risk, and increase the profitability. The results of normalitytest show that variables tested by paired sample T- test method are the ratio ofThird Party Funds (DPK), laborcost ratio, and the ratio of Return On Asset(ROA). While variables tested by wilcoxon signed rank test method are the ratioof Non Performing Loan (NPL), operating cost ratio, and the ratio of Fee BasedIncome (FBI).Laborcost ratio and Operational Efficiecy show an improvement after theimplementation of internet banking although the results of the comparison showno significant difference between before and after applying internet banking.While the DPK, FBI ratio and NPL ratio have significant and negative results.ROA ratio shows a significant and positive difference which means there is animprovement in getting return on asset after the application of internet banking.Keyword:Purpose of Internet Banking, Financial Performance, DPK, laborcost,Operational Efficiency, NPL, FBI, ROA.
Faktor Determinan Pembentuk Struktur Modal Pada Sektor Perbankan Konvensional Di Indonesia Periode 2015 -2019 Farhan Fani Ihsan; Muhammad Agus Salim; Achmad Agus Priyono
E-JRM : Elektronik Jurnal Riset Manajemen eJrm Vol. 09 No. 06 Agustus 2020
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract This study aims to determine the factors that influence the capital structure of conventional Indonesian banking in the 2015-2019 period. The variables used to measure the capital structure in this study are the current ratio (CR) that represents liquidity, Return on Asset (ROA) which represents profitability, the natural logarithm of total assets that represent bank size and total sales that represent growth. While for the dependent variable capital structure, measured using Debt to Equity Ratio (DER). There are 39 conventional banks listed on the Indonesia Stock Exchange which are used as the population in this study, then using purposive sampling techniques found 10 conventional banks that meet the criteria and serve as a research sample. This study using multiple linier regression analysis using time series data or based on time series. Where in the study the results obtained that the variable liquidity does not affect the capital structure. Then profitability has a significant positive effect on capital structure. And the growth variable is known that has no influence on the variable capital structure. Based on the simultaneous test, the results show that liquidity, profitability, bank size and growth variables have a significant positive effect on capital structure. Keywords: Conventional  Banking,  Capital  Structure,  Liquidity,   Profitability,                     Bank Size, Growth.
IMPLEMENTASI TRANPARANSI PELAYANAN PUBLIK DALAM PENGURUSAN ADMINISTRASI IZIN BERLAYAR PADA KANTOR KESYAHBANDARAN UTAMA BELAWAN MEDAN Muhammad Agus Salim; Kariaman Sinaga; Zulkarnain Ibrahim
Jurnal Publik Vol 9, No 2 (2022)
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/jpr.v9i2.2687

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Pengaruh E-Service Quallity, E-Trust, dan E-Satisfaction terhadap E-Loyality Pelanggan Shopee (Studi Kasus Mahasiswa Universitas Islam Malang Angkatan 2019) Aqilla Tasya Ramadhani; Muhammad Agus Salim; Ita Athia
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 12 No. 02
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract This study aims to determine the factors that influence e-loyalty. These factors are e-service quality, e-trust and e-satisfaction. This study examines consumer loyalty to shopee customers. The purpose of this study is to determine the effect of e-service quality, e-trust and e-satisfaction on e-loyalty of shopee customers. Data were analyzed using quantitative methods by distributing questionnaires. The sample in this study were 90 respondents and data processing using SPSS. The analytical tools used in this research are validity test, reliability test, classical assumption test, multiple linear regression analysis, hypothesis test, and adjusted R square test. This research has fulfilled the validity test and reliability test. The results of testing the first hypothesis (H1) are accepted that e-service quality, e-trust and e-satisfaction have a significant positive effect on e-loyalty with a significance level of 0.000. The second hypothesis (H2) is accepted which shows that there is a significant positive effect between e-service quality on e-loyalty with a significance level of 0.025. The third hypothesis (H3) is accepted which shows that there is a significant positive effect between e-trust on e-loyalty with a significance level of 0.031. The fourth hypothesis (H4) is accepted which shows that there is a significant positive effect of e-satisfaction on e-loyalty with a significance level of 0.000.The results of this study conclude that the variables that influence e-service quality, e-trust and e-satisfaction have a simultaneous and partial effect on e-loyalty of shopee customers. Keywords: e-service quality, e-trust, and e-satisfaction, e-loyalty.
QIRA’AH, RIWAYAH, THARIQ DAN WAJH DALAM VARIASI BACAAN AL-QUR’AN (STUDI SAMPLE RIWAYAT HAFSH DARI IMAM ASHIM) Muhammad Agus Salim
El-Mu'Jam. Jurnal Kajian Al Qur'an dan Al-Hadis Vol 2 No 1 (2022)
Publisher : IAINU Kebumen Prodi IAT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33507/el-mujam.v2i1.557

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For those who want to study the science of qira'at, they must know the difference between four key terms. Some people sometimes find it difficult to differentiate and then just mix them up. The four terms are qira'ah, riwayah, thariq, and wajh. In the science of Qira'at, mixing thariq in reading the Qur'an is called talfiq, takhlith or tarkib. Scholars who are experts in qira'at have warned the qurra' not to do talfiq in reading the Qur'an. Therefore, it is important for the qura' to study the narration of Hasfh from Imam Ashim which is used as a reference by most Muslims, especially in Indonesia. This research is entirely library research taking data from literature that is related to the research theme. The analysis technique in this writing uses a content analysis model by exploring and analyzing the thoughts or views of Jama'ah Tabligh on the Hadiths of the Prophet that they practice in their daily lives.
Penguatan Nilai-Nilai Budi Pekerti Melalui Kitab Ngudi Susilo Bagi Anak-Anak di Desa Rogodadi Kabupaten Kebumen Berbasis Participatory Action Research (PAR) Fatimah, Siti; Agus Salim, Muhammad; Achid Nurseha, Muhammad; Subarkah, Imam; Apriliani, Titi; Tajriyaan Rafik, Aynaani; Anjali, Lia; Lestari, Fiji; Priyatno, Riski; Zidni Al Mubarok, Akhmad; Dwi Cahyaningrum, Septiana
KREASI : Jurnal Inovasi dan Pengabdian kepada Masyarakat Vol. 3 No. 2 (2023): Agustus
Publisher : BALE LITERASI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58218/kreasi.v3i2.671

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This service aims to strengthen the values of character for children in Rogodadi Village, Kebumen Regency. This assistance was carried out for 1 month with 9 meetings. The participants in this assistance were 15 children in Rogodadi Village, Buayan District, Kebumen Regency. The implementation method uses the PAR (Participatory Action Research) method with five stages, namely: Diagnosis, Action Planning, Action Taking, Evaluation, and Specifying Learning. Data collection techniques using observation, interviews, and documentation. The results of the activity show that the activity of strengthening moral values through the Kitab Ngudi Susilo has been successfully implemented. The results of the analysis during the activity, the children understand well and can implement the manners that must be carried out by a child. Some of the methods used in this strengthening activity include CTL model, demonstrations, and interactive lectures. Having a daily journal given to children is a measure of the success of this activity. The results of the analysis of daily journals found that children can implement manners by Kitab Ngudi Susilo. The results of the questionnaire also showed that as many as 94% of the children understood the material presented by the service team well.
KESIAPAN PEMERINTAH MENERAPKAN GREEN BANKING MELALUI POJK DALAM MEWUJUDKAN PEMBANGUNAN BERKELANJUTAN BERDASARKAN HUKUM POSITIF DI INDONESIA Agus Salim, Muhammad
Yustitia Vol. 4 No. 2 (2018): Yustitia
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/yustitia.v4i2.40

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The world of banking in Indonesia began to show its concern for environmental problems through various banking activities known as Green banking. Green banking is a program for a financial institution that makes sustainability a top priority in its business. Currently banks that have pledged green banking are required in OJK Regulation Number 51 / POJK.03 of 2017 concerning the Implementation of Sustainable Finance for Financial Service Institutions, Issuers and Public Companies to report on the results of implementing green banking. This writing discusses how the legal consequences of the implementation of green banking for banking business activities in Indonesia after the enactment of POJK Number 51 / POJK.03 in 2017 concerning the Implementation of Sustainable Finance for Financial Services Institutions, Issuers and Public Companies and how OJK conducts supervision. This study is a legal research using a normative juridical approach and descriptive analytical research specifications. The data used in this study are secondary data consisting of primary, secondary and tertiary legal materials. Data obtained through library studies and field research in the form of legislation, books, journals, and electronic media. The findings of this study are 2 (two) explanations namely First, the legal consequences of the implementation of green banking in banking business activities in Indonesia in realizing sustainable development have not been able to be carried out due to banks and financial services institutions both banks and non-banks do not yet have specific guidelines or references governing this green banking. Second, the obligation for banks that have pledged green banking is to provide insurance for the environment, considering that banking business activities also include insurance referring to Article 7 of the Banking Law. OJK has actually launched environmental insurance, but the Indonesian government has not responded to anything that has been conveyed by the OJK. The reason for the government according to the OJK informants is that the development of a little more would certainly damage the environment, so that environmental insurance is impossible in Indonesia.
Islamic Education Student Management Kholis, Nur; Slamet Untung; Muhammad Agus Salim
Jurnal Scientia Vol. 13 No. 04 (2024): Education and Sosial science, September-December 2024
Publisher : Sean Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58471/scientia.v13i04.2739

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This research is qualitative research whose data was obtained by conducting library research directed at understanding the messages in a text. The findings of the research results are that student management is a process of managing all matters related to students in a school, starting from planning, accepting students, coaching carried out while students are at school, until students complete their education through creating a learning atmosphere that is conducive and constructive to the ongoing learning process. effective teaching and learning process. Student management aims to organize activities in the student affairs sector so that the learning process carried out in a school can run smoothly, orderly and orderly in such a way that the main objectives of a learning program in a school can be achieved optimally.
INOVASI DAN PENINGKATAN KUALITAS DAN KUANTITAS PRODUK ROTI MARYAM: STRATEGI PENGEMBANGAN USAHA KECIL DI KELURAHAN KEDUNGKANDANG, MALANG Agus Salim, Muhammad; Mustaufir, Mustaufir; Margiyanto, Margiyanto; Supriyanto, Didik
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 7, No 12 (2024): MARTABE : JURNAL PENGABDIAN MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v7i12.5064-5073

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Usaha kecil industri rumah tangga roti maryam merupakan produk UMKM yang dikembangkan untuk meningkatkan produktifitas ekonomi masyarkat menengah dan meningkatkan kesejehteraan masyarkat dalam mendukung peningkatan ekonomi nasional. Usaha kecil roti maryam berbahan dasar tepung terigu adalah usaha milik Ibu Irfin Ainunita, yang kemudian diberi nama usaha “roti maryam irfin”, berlokasi di Jl. KH. Hasyim, Rt: 010, Rw:003 Kelurahan Kedungkandang Kabupaten Malang. Dari hasil observasi ditemukan beberapa kendala yang dihadapi antara lain : tidak mempunyai alat pengaduk adonan roti maryam yang menyebabkan produk roti maryam masih menggunakan alat manual; produk roti maryam belum dilakukan pengemasan dan pemberian label yang bagus dan menarik, begitu juga dengan manajemen keuangannya yang belum terdokumentasikan dengan rapi serta kualitas kehigienisan produk belum terjaga. Kendala yang dihadapi oleh pelaku usaha roti maryam tersebut dapat diselesaikan dengan solusi yang diberikan melalui kegiatan pengabdian yang berupa pelatihan dan pendampingan dalam hal peningkatan kualitas produksi, pembuatan sistem keungan yang rapi, dan analisis kebutuh pasar.. Metode pengabdian dalam hal ini yaitu dengan mengadakan observasi awal, identifikasi masalah, pemberian solusi melalui pelatihan dan pendampingan, serta pengembangan inovasi alat berbasis teknologi guna meningkatkan hasil produksi. Hasil pengabdian ini adalah pendampingan dan pelatihan peningkatan produksi dan inovasi alat berbasih IPTEK.
TELAAH DINAMIKA PENGARUH STRATEGIS PENGEMBANGAN KARIR DAN PELATIHAN SERTA DAMPAKNYA TERHADAP KINERJA ORGANISASI DALAM KONTEKS PERUBAHAN INDUSTRI JASA Sholihin, Dwi Rahmad; Agus Salim, Muhammad; Supratikta, Hadi
EDUNOMIA: Jurnal Ilmiah Pendidikan Ekonomi Vol. 5 No. 1 (2024): November
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/edunomia.v5i1.5578

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Studi ini bertujuan untuk menyelidiki peran yang dimainkan oleh pengembangan karir dan pelatihan dalam meningkatkan kinerja karyawan di salah satu perusahaan yang bergerak di bidang rantai pasok. Penelitian akan dilakukan melalui pengumpulan data primer dari karyawan perusahaan manufaktur yang berpartisipasi dalam program pengembangan karir dan pelatihan. DaIam riset ini, metode pengambiIan sampeI menggunakan teknik Sensus. Metode anaIisa data yang dipakai iaIah Regression Analysis Menggunakan SPSS 27. Hasil riset menunjukan bahwa Pengembangan karir tidak berpengaruh terhadap kinerja pegawai namun sebaliknya Pelatihan kerja dapat memberikan pengaruh yang positif terhadap kinerja pegawai. In the midst of increasingly fierce competition in the supply chain industry in Indonesia, many companies face challenges in improving employee performance. To improve performance in a competitive work environment, this research is essential. The aim is to determine the effect of training and career development on improving employee performance in the service sector at supply chain companies in Indonesia. The survey was conducted on manufacturing workers involved in training and career development programs. The SPSS 27 program was used to perform regression analysis on the data. The results show that training has a positive impact on employee performance. So it can be concluded that improving performance, job training must be prioritized, even though career development requires a more specific approach.
Co-Authors Abdul Kodir Djaelani Abdul Rani Abdurahman Abdurrahman ABS, M Khoirul Achid Nurseha, Muhammad Achmad Agus Priyono Achmad Ardiansyah Afi Rachmat Slamet Afifuddin Afifuddin Afifuddin Afifuddin, Afifuddin Agung Caisar Wicaksono Ahmad Farhan Makky Ahmad Zainullah Alfian Budi Primanto Anies Fuady Anjali, Lia Apriliani, Titi Aprilianto Aprilianto Aqilla Tasya Ramadhani Ardiansyah Ardiansyah ARDIANSYAH ARDIANSYAH Ari Firmansyah Ariefudin Ariefudin Arini Fitria Mustapita Audi Hani Setiawati Ayu Yulita Putri Bahak Udin Basalamah, Muhammad Ridwan Bunga Vergia Rakhmah Chabiburrochman, M. Mas'ud Didik Supriyanto, Didik Dwi Cahyaningrum, Septiana Ega Prillia Santoso Eka Putri Septia Rini Eka Sulastri Eli Aliyana Elly Ernawati Fahmi Aldian Yuhanata Fajri Nasrullah Farhan Fani Ihsan Febi Mulyasari Hadi Sunaryo Hafidah Hafidah Hayati Hayati Ika Nuriyanti Ika Nurjanah Ike Roudhotul Ulfa Imdan Soalihin Inayati Widya Sari Indah Kusuma Wardani Ita Athia Ita Suhermin Ingsih Jeni Susyanti Kariaman Sinaga Khairil Umam Khairunnisa Khairunnisa Khairunnisa Khalikussabir, Khalikussabir Khoirul Anwar Brotosuharto Laksono Trisnantoro Leoni Alfina Lestari, Fiji Lisfatin Nihla Loviana Risca Mandagi Lutfi Amalia Masfiro Margianto Margianto Margianto Margianto Margiyanto, Margiyanto Moh Sofiyanto Moh. Hefni Munawar Mohammad Darwis Mohammad Rizal Muhammad Nur Avif Mustaufir, Mustaufir Neng Lina Sulastri Nisa’us Sholikah Nita Rahayu Novitasari Novitasari Nur Hanik Khukmiyah Nur Kholis Nurhidayah Nurhidayah Nuriyanti, Ika Nurmala Yunita Nurul Kholis Priyatno, Riski Ratma Ana Tasya Reynaldo Wiranata Ricky Setiawan Rifa Royhanah el Somita Rini Rahayu Kurniati Riza Eka Pratama Ronny Malavia Mardani Rosmah Sholichah Saraswati, Ety Setyo Wahyudi Shela Karlina Devi Sholihin, Dwi Rahmad Sholikah, Nisa’us Silfi Wahyu Firdayanti Silvy Anita Indah Cahyani Siti Fatimah Slamet Untung Subarkah, Imam Supratikta, Hadi Tajriyaan Rafik, Aynaani Tri Anjaswati Wahyu Arianti Widarko, Agus Widi Fitri Anggreini Yulianah Yulianah Yulinda Putri Melinia Yuspriyono Yuspriyono Zahrotun Nisa Zaidatul Fadinah Zidni Al Mubarok, Akhmad Zulfatun Hasanah Zulkarnain Ibrahim