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All Journal Jurnal Ekonomi Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) ASAS : Jurnal Hukum Ekonomi Syariah Laa Maisyir Jurnal Ekonomi Islam I-Finance Journal Jurnal Dimensi Ekonomi Bisnis Jurnal Ilmiah Ekonomi Islam AT-Tahdzib: Jurnal Studi Islam dan Muamalah Jurnal Akuntansi Aktual Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal SOLMA Dinamisia: Jurnal Pengabdian Kepada Masyarakat Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Shirkah: Journal of Economics and Business Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Jurnal Review Pendidikan dan Pengajaran (JRPP) Jurnal Ekonomi Pembangunan JMK Jurnal Manajemen dan Kewirausahaan Al-Muamalat : Jurnal Ekonomi Syariah Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Society: Jurnal Pengabdian Masyarakat Jurnal Abdi Masyarakat Multidisiplin Asian Journal of Management Analytics Journal of Islamic Economics Lariba Maliki Islamic Economics Journal Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah At-Tahdzib: Jurnal Studi Islam dan Muamalah
Tiara Juliana Jaya
Fakultas Ekonomi, Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Influence of Liquidity, Solvability, and NPF to the Profitability and the Size of Company as a Moderation Variable Annisa Putri Nurdin; Tiara Juliana Jaya
LAA MAISYIR: Jurnal Ekonomi Islam Vol.11 No. 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v11i2.46537

Abstract

This research is motivated by the instability of profitability experienced by Islamic Commercial Banks in Indonesia over the past five years. This paper aims to analyze the effect of liquidity, solvency, and Non-Performing Financing (NPF) on profitability with company size as a moderating variable in Islamic Commercial Banks in Indonesia from 2019-2023. The data used in this study are secondary data obtained from the financial statements of banks registered with the Financial Services Authority (OJK). The analysis method used in this study is panel data regression with Moderated Regression Analysis (MRA). The study results indicate that liquidity and solvency have a positive and significant effect on profitability, while NPF has a negative and significant effect on profitability. Firm size can moderate the relationship between liquidity and profitability and the relationship between solvency and profitability, but firm size cannot moderate the relationship between NPF and profitability. The implications of this study indicate the importance of liquidity management, debt control, and management of problematic financing in improving the profitability performance of Islamic banks.
THE EFFECT OF PROFITABILITY, CAR, OEOI ON FIRM VALUE WITH CAPITAL STRUCTURE AS A MODERATING VARIABLE IN ISLAMIC BANKING IN ASIA Mawardi, M. Ilyas; Jaya, Tiara Juliana
JURNAL DIMENSI Vol 13, No 2 (2024): JURNAL DIMENSI (JULI 2024)
Publisher : Universitas Riau Kepulauan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33373/dms.v13i2.6346

Abstract

Islamic economics came back when the new economic era had begun to develop. The emergence of Islamic Banking followed this. Islamic Banking is expected to make the economy of countries in the world even better. This study aims to analyze the effect of profitability, CAR, and OEOI on firm value, as well as the moderating function of capital structure. This study uses quantitative methods with panel data regression analysis techniques with Eviews 12. The sample of this study includes 11 Islamic banks in Asia using secondary data taken from each official website of each Islamic bank. Based on research results, the value of Sharia banking companies in Asia is significantly influenced by profitability. CAR and OEOI do not affect the value of Sharia banking companies. Capital structure cannot mitigate the impact of profitability and CAR on company value. However, the effect of OEOI on company value can be mitigated by capital structure.
Pemberdayaan Perempuan Pelaku Usaha Industri Rumahan Dalam Upaya Keberlanjutan Ekonomi Rumah Tangga Meylianingrum, Kurniawati; El Fahmi, Elok Faiz Fatma; Jaya, Tiara Juliana
Jurnal SOLMA Vol. 13 No. 3 (2024)
Publisher : Universitas Muhammadiyah Prof. DR. Hamka (UHAMKA Press)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/solma.v13i3.16536

Abstract

Background: Kaum perempuan bisa menjadi pemberdaya dan contoh masyarakat dalam menanggulangi kemiskinan ekstrim. Namun ketakutan akan rugi yang lebih besar dari produk yang tidak terjual serta pemahaman ibu rumah tangga terkait dengan poin-poin krusial dalam berbisnis seperti perencanaan dalam memulai bisnis, pemilihan produk, strategi marketing, hingga pembukuan dan manajemen keuangan yang baik untuk keberlanjutan usaha masih minim. Tujuan pengabdian masyarakat ini untuk memberikan pendampingan pemberdayaan perempuan pelaku usaha industri rumahan dalam upaya keberlanjutan ekonomi rumah tangga. Metode: Metode yang digunakan adalah metode Participatory Action Research (PAR) di Desa Sengkaling, Kelurahan Mulyoagung, Kecamatan Dau, Kabupaten Malang dengan jumlah 25 pelaku usaha industri rumah tangga. Data diambil dengan observasi, wawancara, pelatihan dan pendampingan. Hasil: Pemahaman yang lebih baik oleh perempuan pelaku usaha tentang perencanaan bisnis, produk, pemasaran, dan pembuatan laporan keuangan dasar. Dengan pemahaman pelaku usaha industri rumah tangga yang lebih baik, maka kaum perempuan juga bisa menjadi pioneer untuk menanggulangi kemiskinan ekstrim dalam sektor rumah tangga. Kesimpulan: Melalui pelatihan dan pendampingan perencanaan bisnis untuk usaha mikro terlihat adanya peningkatan pengetahun perempuan pelaku usaha Industri Rumah Tangga. Sudah tidak ada lagi ketakutan akan rugi yang lebih besar dari produk yang tidak terjual serta pemahaman ibu rumah tangga terkait dengan poin-poin krusial dalam berbisnis seperti perencanaan dalam memulai bisnis, pemilihan produk, strategi marketing, hingga pembukuan dan manajemen keuangan yang baik untuk keberlanjutan usaha sudah mulai meningkat.
Pemberdayaan Ibu dalam Memproduksi MPASI: Langkah Menuju Kemandirian Ekonomi Keluarga Santoso, Sandy Tegariyani Putri; Jaya, Tiara Juliana
Society : Jurnal Pengabdian Masyarakat Vol 3, No 6 (2024): November
Publisher : Edumedia Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55824/jpm.v3i6.451

Abstract

Program pemberdayaan masyarakat untuk makanan pendamping ASI di Desa Pandansari Lor, Kecamatan Jabung, Kabupaten Malang, bertujuan untuk meningkatkan ketahanan ekonomi keluarga sekaligus mencegah stunting pada anak-anak. Desa ini memiliki potensi pertanian yang kaya dengan komoditas seperti singkong, pisang, durian, dan tebu. Namun, data menunjukkan bahwa masih terdapat kasus stunting, yang sebagian besar disebabkan oleh rendahnya asupan nutrisi pada anak serta kurangnya pengetahuan ibu tentang nutrisi yang tepat. Kegiatan pengabdian masyarakat ini melibatkan ibu rumah tangga dan kader Posyandu, dengan fokus pada pelatihan pembuatan makanan pendamping ASI dari bahan-bahan lokal yang mudah diakses dan terjangkau. Selain itu, pelatihan ini juga membuka peluang ekonomi bagi para ibu di desa untuk menciptakan usaha rumahan melalui produksi makanan pendamping ASI. Hasil dari program ini menunjukkan bahwa para ibu memiliki pemahaman yang lebih baik tentang pentingnya gizi seimbang bagi anak-anak dan termotivasi untuk mengembangkan bisnis makanan pendamping ASI yang berpotensi meningkatkan pendapatan keluarga. Program ini tidak hanya berfokus pada peningkatan kesehatan anak, tetapi juga memperkuat ketahanan ekonomi keluarga melalui pemberdayaan perempuan. Keberhasilan program ini diharapkan menjadi model pemberdayaan masyarakat di desa-desa lain yang memiliki masalah serupa. Monitoring dan evaluasi akan dilakukan untuk memastikan keberlanjutan program dalam jangka panjang.
The Effect of Bank Performance and Macroeconomics on the Profitability of Indonesian Sharia Commercial Banks Amin, Sakinah Maulidah Mastniah; Jaya, Tiara Juliana
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 11 No. 1 (2024): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i1.34141

Abstract

This study examines the relationship between the profitability of Islamic commercial banks with the functions of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Operating Expenses and Operating Income (BOPO), inflation, Gross Domestic Product (GDP), and interest rates. This quantitative study's monthly report of Islamic banking and the monthly report of statistical data for 2015-2022 are secondary data sources. A method used is called multiple linear regression analysis. Based on the results of research, CAR and NPF are significantly related to the profitability of Islamic commercial banks. In contrast, the results of BOPO, GDP, inflation, and interest rates have no significant relationship with Islamic commercial banks. ROA simultaneously affects CAR, NPF, BOPO, inflation, GDP, and interest rates. Based on the conclusions of this study. If Islamic banks want to maximize their profitability, they must maintain capital efficiency and stabilize non-performing financing and operational ratios.
Fundamental VS Makro Ekonomi on Stock Price : Indonesian Stock Exchange (IDX) Sarif, Reza; Sholihah, Mar’atus; Jaya, Tiara Juliana
Asian Journal of Management Analytics Vol. 3 No. 4 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajma.v3i4.11179

Abstract

Geopolitical tensions especially those occurring in the Middle East, have significantly impacted the world economy. This impact was also felt by the Indonesian state, which impacted company share prices which experienced a decline due to geopolitical tensions, including the banking sector. Apart from geopolitical tensions, several other factors, such as the company's fundamental factors, also influenced the decline in share prices. Fundamental factors play an important role in determining a company's share price. These factors refer to various elements and variables that reflect the company's financial condition, operations, and prospects. So quite a few investors use fundamental analysis to assess whether current share prices reflect the company's true intrinsic value. This study seeks to reassess the elements affecting banking share prices by incorporating macroeconomic control variables related to these concerns to enhance the robustness of the findings. Utilizing a quantitative approach through panel data regression, the research focuses on banks listed on the Indonesia Stock Exchange from 2019 to 2023, with a sample of 16 companies meeting the selection criteria. The results reveal that Debt Equity Ratio (DER), Return On Assets (ROA), Return On Equity (ROE), GDP, inflation, and exchange rates collectively have a positive and significant impact on stock prices. However, when analyzed individually, only ROE and exchange rates show a significant effect, while DER, ROA, GDP, and inflation do not.
Badan Layanan Umum Perguruan Tinggi dalam Konteks Hukum Ekonomi Syariah Zulaikha, Siti; Setyawan, Dharma; Ferliadi, Agus Salim; Jayai, Tiara Juliana; Maysaroh, Watim; Hasnan, Odi; Sari, Nurul Rusita
ASAS Vol. 16 No. 1 (2024): Asas, Vol. 16, No. 01 Juni 2024
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v16i1.22566

Abstract

This research aims to analyze the position of IAIN Metro's Public Service Agency (BLU) as a legal subject in the perspective of sharia economic law. Against the backdrop of IAIN Metro's vision oriented towards socio-eco-techno-preneurship synergy, this research explores the implementation of a legal entity in the context of public services that focuses not only on profit, but also on efficiency and productivity. The research method used is a qualitative method that uses interviews, documentation, and observation, to obtain comprehensive and in-depth data. The results showed that IAIN Metro's BLU is in a positive growth phase, both in terms of revenue and assets. In addition, this research identifies the contractual arrangements in the partnership undertaken by the BLU, as well as provides practical recommendations for legal policies that support the management of legal entities in the public sector. The findings are expected to make a significant contribution to the development of Islamic economics in Indonesia, as well as enrich the literature on the role of legal entities in the context of public services.Keywords: Public Service Agency; Sharia Economic Law; Partnership 
Impact Of Macroeconomic Variables And Zakat On Poverty Alleviation: Evidence From Indonesian Panel Data Analysis Jaya, Tiara Juliana; Meylianingrum, Kurniawati; Aghniacakti, Ainindita; Kholilah, Kholilah; Syariati, Dian
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (2025)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v11i1.4943

Abstract

Purpose: This study examined the impact of macroeconomic variables and zakat on poverty alleviation.Design/methodology: This study is a quantitative study with a regression analysis method of panel data in districts/cities in Central Java, West Java, and East Java, from 2018 to 2022. Additional testing on a subsample in East Java was conducted to ensure the consistency of the results.Findings: The findings indicate that the Human Development Index, gross domestic product, and zakat negatively affect poverty levels, while the regional minimum wage positively affects poverty alleviation. Further, the study fails to find any significant impact of government expenditure on poverty alleviation. The test in East Java indicates that only the regional minimum wage and government expenditure affect poverty levels. This suggests that poverty is a complex issue that varies from region to region, necessitating region-specific poverty alleviation policies.Practical implications: These results suggest that the synergy between government and society is crucial for poverty alleviation in Indonesia, and policies should be tailored to the specific conditions of each region.Originality/Value: This study provides insights into the complex relationship between macroeconomic variables and poverty alleviation, highlighting the regional differences in the impact of these variables.
Influence of Internal Factors and External Factors on Non Performing Financing in Islamic Commercial Banks Alfakhirah, Nadirah Nur; Jaya, Tiara Juliana
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 1 (2024)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v10i1.2398

Abstract

This study aims to see the effect of the variables Return on Assets (ROA), Capital Adequacy Ratio (CAR), Operating Costs and Operating Income (OCOI), Financing to Deposit Ratio (FDR), inflation and Gross Domestic Product (GDP) on Non-Performing Financing (NPF) for Islamic commercial  banks in Indonesia for the 2018-2022 period. This type of research uses quantitative research methods. The analytical tool used is multiple linear regression analysis using E-views version 10 software. The sample in this study is Islamic Commercial Banks in Indonesia. The results showed that simultaneously the variables ROA, CAR, OCOI and FDR had a significant effect on Non-Performing Financing (NPF), while simultaneously, the variables Inflation and GDP did not have a significant effect on Non-Performing Financing (NPF). Partially CAR, OCOI, and FDR have a significant effect on Non-Performing Financing (NPF), whereas ROA, Inflation and GDP have no effect on Non-Performing Financing (NPF). Internal factor variables have an effect of 88.2% on Non-Performing Financing (NPF), while 11.8% are influenced by other variables not examined. External factor variables have an effect of 3.1% on Non-Performing Financing (NPF), while 96.9% are influenced by other variables not examined.
Pengaruh Pembiayaan Syariah dan Indeks Pembangunan Manusia (IPM) Terhadap Tingkat Kemiskinan Di Provinsi Aceh: Analisis Data Panel Rohmi, Misfi Laili; Jaya, Tiara Juliana
Jurnal Ilmiah Ekonomi Islam Vol. 7 No. 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v7i3.2602

Abstract

Poverty is a significant problem faced by developing countries, including Indonesia. Islam teaches its people to fight poverty because poverty is closer to kufr. Aceh is famous for applying Islamic law, but Aceh is the poorest province on the island of Sumatra in 2020. Meanwhile, in terms of Sharia financing, Aceh Province ranks 4th, and the Human Development Index (IPM) ranks 11th highest nationally. This panel aims to determine the effect of Islamic financing and the Human Development Index (HDI) on poverty levels in Aceh Province. Data analysis was carried out using panel data regression by choosing the best regression model, namely the Fixed Effect Model, by combining cross-section data of 21 districts/cities in Aceh Province during the 2016-2020 period. The study results, both partially and simultaneously, Islamic financing and HDI have a negative and significant effect on the poverty level in Aceh Province.
Co-Authors Ahmed Tahiri Jouti Ainindita Aghniacakti Alfakhirah, Nadirah Nur Amin, Sakinah Maulidah Mastniah Annisa Putri Nurdin Dharma Setyawan El Fahmi , Elok Fa`iz Fatma El Fahmi, Elok Faiz Fatma Ferliadi, Agus Salim Hananiyah, Wardah Mujadidah Hasnan, Odi Hermawan, Bagus Himma, Nurrosyida Latifa Inayatul Maula Kholilah Kholilah Kholilah Kholilah Kholilah Kholilah Kurniawati Meylianingrum Lutfi Ardhani Mahfudz Mahfudz Mahfudz Mahfudz Reza Fahlevi Mawardi, M. Ilyas Maysaroh, Watim Mega Noerman Ningtyas Misfi Laili Rohmi Muhammad Fatchullah El Islami Nikmatul Aulia Nur Laili Fikriah Nur Laili Fikriah Nur Syamsiyah Rohmi, Misfi Laili Roi Anju Immanuel Sakinah Maulidah Mastniah Amin Salsabilla, Lathifah Zaina Sandy Tegariyani Putri Santoso Sandy Tegariyani Putri Santoso Santoso, Sandy Tegariyani Putri Sari, Nurul Rusita Sarif, Reza Sholihah, Mar’atus Siti Zulaikha Yullina Devvie Sari