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Pengaruh Fundamental Ekonomi dan Kinerja Keuangan Terhadap Kredit Bermasalah Pada Bank Syariah Di Indonesia Soeharjoto Soekapdjo; Debbie Aryani Tribudhi; Lucky Nugroho
Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Vol 4, No 2 (2019): September 2019
Publisher : Universitas Kadiri

Purpose of this study is to determine economic fundamentals influence and financial performance on non-performing loans in sharia banks in Indonesia. Used quarterly panel data from 2008-2016, which came from BPS, BI, and OJK. Eleven banks used as a sample, with a purposive sampling approach. Using regression methods, with the dependent variable is NPF, and independent variable for economic fundamentals using exchange rates, inflation, GDP and financial performance with FDR, CAR, OER. Result shown that fundamental economice do not affect the NPF and OER as a financial performance has a positive and significant influence to NPF, CAR has negative and significant influence to NPF, but has no effect to FDR.

Diversifikasi Produk dan Pemasaran Digital untuk meningkatkan Penjualan Warung Nasi Uduk Bu De Mus Pada Masa Pandemi COVID-19 Soeharjoto; Susy Muchtar; Ellyana Amran; Debbie Aryani Tribudhi; Nirdukita Ratnawati; Rinaldi Rustam
J-ABDI: Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 9: Februari 2022
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53625/jabdi.v1i9.1255

Pandemi COVID-19, membawa perubahan besar terhadap pola kehidupan masyarakat dan percepatan revolusi industri 4.0. Fenomena ini, membuat penjualan Usaha Mikro, Kecil dan Menengah menurun. Demi mempertahankan hidupnya, Bu De Mus sebagai pemilik warung nasi uduk yang berusia lanjut dan berstatus single perents, perlu tetap menjalankan usahanya. Untuk itu, Tim Pengabdian Kepada Masyarakat dari Fakultas Ekonomi dan Bisnis Universitas Trisakti, bertujuan untuk membantu meningkatkan penjualan warung Bu De Mus akibat pandemi COVID-19. Metode yang digunakan, pelatihan dan penyuluhan dengan materi kewirausahan dan pemanfaatan teknologi digital. Pasca pelaksanaan, agar dapat menarik minat pembeli, warung nasi uduknya melakukan pembenahan produk dan pemasaran secara online. Keputusan ini, setelelah dilaksanakan dalam 1 bulan, dapat meningkatan penjualan sebesar 150 persen pada senin-Jumat dan 200 persen pada hari libur. Namun, peningkatan penjualannya lebih banyak ditopang oleh produk barunya, berupa makanan gorengan. Kini, untuk memperluas pangsa pasar telah menggunakan sarana media sosial

Pemanfaatan financial technology dan aplikasi smartphone dalam meningkatkan usaha mikro dan kecil pada era pandemi covid-19 di Kelurahan Mustikajaya Soeharjoto Soekapdjo; Syofriza Syofyan; Bahtiar Usman; Lydia Rosintan Simanjuntak; Debbie Aryani Tribudhi
ABDIMAS DEWANTARA Vol 5 No 2 (2022)
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/ad.v5i2.10307

The Covid-19 pandemic had an impact on health which ultimately resulted in major changes in consumption behavior and industrial revolution 4.0 acceleration, thus lowering people's incomes. Purpose of this community service is to improve micro and small businesses in facing economic impact of the Covid-19 pandemic in Mustikajaya Village. Community service team provides education and training in financial technology and optimizes utilization of applications on smartphones. This activity, improving partners knowledge and insights to the source of funds, financial administration, production, distribution and marketing based online by using applications on smartphones, in the form of Instagram, Whats App, smart cashiers and Canva. After the implementation of this program, it can increase knowledge and insight financial technology to 79 percent and skills using smartphone applications to 82 percent. Successful community service achievement makes partners more motivated to develop micro and small businesses. Further community service activities, need to be conducted continuously with various themes and increase the duration of the meeting.

Pengaruh Fundamental Ekonomi dan Kinerja Keuangan Terhadap Kredit Bermasalah Pada Bank Syariah Di Indonesia Soeharjoto Soekapdjo; Debbie Aryani Tribudhi; Lucky Nugroho
Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Vol. 4 No. 2 (2019): September 2019
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/ekonika.v4i2.327

Purpose of this study is to determine economic fundamentals influence and financial performance on non-performing loans in sharia banks in Indonesia. Used quarterly panel data from 2008-2016, which came from BPS, BI, and OJK. Eleven banks used as a sample, with a purposive sampling approach. Using regression methods, with the dependent variable is NPF, and independent variable for economic fundamentals using exchange rates, inflation, GDP and financial performance with FDR, CAR, OER. Result shown that fundamental economice do not affect the NPF and OER as a financial performance has a positive and significant influence to NPF, CAR has negative and significant influence to NPF, but has no effect to FDR.

Effect of Environmental Attitude and Environmental Awareness Help Green Advertising and Eco-Label to Influence Green Purchasing Behavior of Organic Products Musdalifah Musdalifah; Debbie Aryani Tribudhi
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 3 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v7i3.10165

The rising concern for environmental sustainability has influenced a shift in societal perspectives, thereby creating demand for businesses to develop organic products as a means of addressing various environmental issues. This study aimed to apply the Theory of Planned Behavior (TPB) to determine the influence of environmental attitude, environmental awareness, green advertising, and eco-labels on green purchasing behavior. Data were collected through a questionnaire survey involving 117 respondents in Jakarta, Indonesia. The empirical findings showed that environmental attitude and eco-labels significantly positively affected green purchasing behavior. While green advertising did not directly affect green purchasing behavior, it significantly influenced environmental attitude and environmental awareness. Environmental awareness did not have a significant direct effect on green purchasing behavior. All supported hypotheses are confirmed.

Revealing How to Analyze Public Purchase Intentions Toward Green Products in Emerging Markets in the Jakarta Region Vionyka Amanda Erditia; Debbie Aryani Tribudhi
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 3 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v7i3.10167

This study investigates the effects of environmental concern, green attitude, subjective norms, and perceived behavioral control on the intention to purchase green products, with environmental knowledge as a moderating variable. Using survey data from 190 Indonesian participants, the findings indicate that environmental concern positively shapes green attitude, subjective norms, and perceived control. Subjective norms also contribute significantly to both perceived control and green purchase intention. However, green attitude and perceived control do not directly influence intention. Environmental knowledge enhances the relationship between attitude and intention. The confirmed hypotheses support the overall model framework.

Mitigasi Risiko Usaha Mikro dan Kecil Berbasis Maqashid Syariah: Pengabdian Soeharjoto Soeharjoto; Deden Misbahudin Muayyad; Firdayetti; Debbie Aryani Tribudhi
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 5 No. 1 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 5 Nomor 1 (Juli 2026 -
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v5i1.6263

Micro and Small Enterprises contribute significantly to strengthening inclusive economies and creating jobs. In reality, they still face complex business risks due to limited risk management capacity, especially those integrated with Sharia principles. This community service activity aims to enhance the literacy and risk mitigation capacity of Micro and Small Enterprises actors through an integrative and sustainable Maqasid Syariah-based approach. The participatory approach method is used by providing training and mentoring conducted at the Global Cahaya Nubuwwah Insani Foundation, Islamic Entrepreneurship Boarding School, in Neglasari Village, Darangdan District, Purwakarta Regency, West Java. Results of the activities show an improvement in the participants' ability to identify, analysis, and formulate risk mitigation strategies systematically from financial, operational, market, and Shariah aspects. Participants are also able to integrate the principles of Maqasid Syariah into business practices, particularly in ḥifẓ al-māl, ḥifẓ ad-dīn, ḥifẓ an-nafs, ḥifẓ al-‘aql, and ḥifẓ an-nasl. The main output of this activity is the formation of an adaptive and applicable risk mitigation model for Micro and Small Enterprises based on Maqasid Syariah. This activity has practical, academic, and policy implications in the development of a value-based risk management model to support the strengthening of a resilient, ethical, and competitive Sharia Micro and Small Business ecosystem in the modern economic era. The activities carried out face challenges such as time constraints, the heterogeneity of participants' education and literacy, access to digital technology, and resistance to changing business habits. Therefore, in the next program, these activities need to be conducted with a sustainable and adaptive approach.

Peran Asuransi Syariah dalam Menguatkan Islamic Entrepreneurship Berbasis Halal Protection: Pengabdian Soeharjoto Soeharjoto; Husna Leila Yusran; Sumiyarti; Debbie Aryani Tribudhi; Deni Mukti Hidayat; Adi Rosyadi; Teguh Supriyadi; Saiful Ali
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.4798

Low insurance literacy, especially Sharia insurance, poses a challenge in raising public awareness about the importance of risk protection. This is particularly true for young people who are currently or will be starting businesses. Aims of this community service activity is to increase literacy and awareness of sharia insurance among students at Global Cahaya Nubuwwah Insani (GCNI), an Islamic Entrepreneurship Boarding School in Purwakarta, West Java. This activity was conducted using an extension method that integrated Sharia insurance literacy with entrepreneurship education. The results of the activity showed an increase in students' understanding of the basic concepts of Sharia insurance, the differences between conventional and Sharia insurance, and the compatibility of Sharia insurance with Islamic principles, linked to entrepreneurship. This finding aligns with the concept that value-based financial literacy can shape more responsible and blessed economic and financial attitudes and behaviors. Sharia insurance literacy with a case study approach on Askrida Sharia Insurance has equipped students to better understand business risk management from an early age, so that their businesses are not solely profit-oriented, but sustainable for the common good.This activity proves that insurance literacy integrated with the values of the Quran and Hadith is effective in raising awareness about insurance from an early age.

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