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All Journal Jurnal Intermediasi Jurnal Reviu Akuntansi dan Keuangan Jurnal Dedikasi Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Jurnal Teladan: Jurnal Ilmu Pendidikan dan Pembelajaran Mathvision : Jurnal Matematika Journal of Innovation in Business and Economics Abdimas Universal Jurnal Akademi Akuntansi (JAA) Studi Kasus Inovasi Ekonomi Journal of Financial Economics & Investment J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) Community Service Journal Of Economic Education
Eris Tri Kurniawati
Universitas Muhammadiyah Malang
Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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PROFIL PENGGUNAAN STATISTIKA DALAM PENELITIAN MAHASISWA PENDIDIKAN MATEMATIKA Eriska Fitri Kurniawati; Edy Nurfalah; Tanti Nawangsari
Jurnal Teladan: Jurnal Ilmu Pendidikan dan Pembelajaran Vol 3 No 2 (2018): Jurnal Teladan Vol.3. No.2 November 2018
Publisher : FKIP Unirow Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (568.985 KB)

Abstract

This study was conducted to describe the use of statistics by students in the Ronggolawe University (Unirow) Mathematics Education thesis. In research in various fields, statistics are widely used, especially those relating to data analysis techniques, namely to analyze and draw conclusions based on data and analysis carried out. The results showed that the students of Ronggolawe University Mathematics Education thesis used more descriptive statistics than those using inductive (inferential), parametric and non-parametric statistics. Students who used descriptive statistics were 81 students (76.42%), inferential statistics of 4 students (3.77%), parametric statistics of 16 students (15.09%), and those using 5 student non-parametric statistics (4.72 %).
PENERAPAN AUDIT BASED RISK PADA PIUTANG MURABAHAH (STUDI PADA BANK MUAMALAT MALANG) Dimas Mahardika Palupi; Eris Tri Kurniawati
Jurnal Akademi Akuntansi Vol. 1 No. 1 (2018): Jurnal Akademi Akuntansi (JAA)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jaa.v1i1.6946

Abstract

This study aims to analyze the implementation of audit-based risk on murabahah receivables in accordance with Indonesian bank regulations at Bank Muamalat Malang. The type of this research is descriptive qualitative with the technique used is an interview, observation, and documentation. Researchers used six risk control elements in accordance with control objectives. The result of the analysis at Bank Muamalat Malang shows that risk control is quite good. the implementation of effective risk management is good enough. The scope of risk management performed by the Bank is good enough. The risk rating for prioritizing the mitigation is also good. Practice with the principles of sharia and not contrary to the MUI fatwa is good. Implementation of risk management in Syariah business unit does not exist because in Bank Muamalat Malang there is no unit of sharia business. The rules of delivery on a quarterly basis to BI have also been disputed.
IbM KRIPIK TEMPE Eris Tri Kurniawati
Studi Kasus Inovasi Ekonomi Vol. 1 No. 1 (2016)
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/skie.v1i1.4452

Abstract

ZTempeh chip is one of the specialties that are veryattached to each person who visited Malang city. As oneof the culinary icon, chips tempeh has a promisingmarket developed to provide an adequate income forMalang city residents, especially for home industry.Sanan is a sub-districts where there are many small -scale tempeh chip producer, and because there are manyother similar businesses tempeh chips sited in the samelocation then known as the center tempeh chips inMalang. On the basis of these considerations we try toprovide guidance and assistance to owner of tempehchips home industry in order to develop a sustainableand consistent growth in future time. In theimplementation we chose “Agista” tempeh chipsproducer as partner in this community service activities.Its business has been running since 2008 with tempehchips as a core product which divided into severalflavors besides that, it also has another chip products butnot too dominant in marketing. Things that we want todevelop from this tempeh chip producer is provideassistance in the management of financial records ,thedevelopment of managerial and also help them toprovide additional loan capital to develop the business ,which has been running.
PENDAMPINGAN MARKETING FUNDING DAN FINANCING PADA BANK PERKREDITAN RAKYAT SYARIAH “X” Idah Zuhroh; Eris Tri Kurniawati; Muhammad Sri Wahyudi Suliswanto
Studi Kasus Inovasi Ekonomi Vol. 4 No. 2 (2020)
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/skie.v4i2.10721

Abstract

Achievement of quantitative performance in Sharia Rural Banks (BPRS) "X" in the first semester of 2018 based on the first semester of 2018 financial statements which showed a trend compared to the financial statements of the second half of 2017. Required marketing and financing funds in this BPRS. This assistance activity can help increase the amount of financing in Murabahah at the BPRS Bumi Rinjani. Neither does the amount of savings or deposits.
Pengembangan sistem credit scoring pembiayaan umkm Eris Tri Kurniawati
INOVASI Vol 17, No 3 (2021): Agustus
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v17i3.10051

Abstract

Di dalam dunia perbankan baik syariah maupun konvensional istilah Non Performing Loan (NPL) atau Non Performing Financing (NPF) merupakan salah satu komponen dalam penilaian tingkat kesehatan kualitas aset bank. Indikator tersebut merupakan rasio keuangan pokok yang dapat memberikan informasi penilaian atas kondisi permodalan, rentabilitas, risiko pembiayaan, risiko pasar dan likuidasi.  Penelitian ini bertujuan untuk mengukur dan  memitigasi seberapa besar dampak yang diakibatkan NPF terhadap bank Syariah dengan menyusun credit scoring untuk penyaluran pembiayaan Usaha Mikro Kecil Menengah (UMKM) sebagai langkah awal pencegahan terjadinya NPF pada bank Syariah. Penelitian ini menggunakan pendekatan simulasi model dengan sampel pada nasabah UMKM yang dibina oleh laboratorium bank syariah Fakultas Ekonomi dan Binis Universitas Muhammadiyah Malang.dengan melakukan analisis 5 Criteria of Credit, dilanjutkan dengan menyusun credit scooring tools untuk debitur pembiayaan UMKM. Berdasarkan hasil strees test sistem rating yang diterapkan pada nasabah Laboratorium Bank Syariah Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Malang. Tahun 2019 terdapat beberapa kelompok nasabah dalam peringkat rating yang sama yaitu peringkat A, BB dan B.  Hal ini menunjukkan bahwa alat ukur berupa penilaian rating kredit yang disusun dapat dijadikan sebagai alat untuk membantu pengambilan keputusan dalam setiap penyaluran pembiayaan.
PENGARUH RASIO KEUANGAN TERHADAP FINANCIAL DISTRESS DENGAN PENDEKATAN SPRINGATE (S-SCORE) Ayundasari, Vina; Kurniawati, Eris Tri
Journal of Financial Economics & Investment Vol. 4 No. 3 (2024): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jofei.v4i3.34148

Abstract

Prediction analysis results financial distress can be used to minimize losses for internal or external parties as a result of bankruptcy experienced by the company, as well as predicting the continued existence of the company concerned. The aim of this research is to analyze the influence of liquidity ratios, profitability ratios, non-performing credit ratios and effectiveness ratios on financial distress. The population in this research is Sharia People's Financing Banks (BPRS) in East Java which are registered with the Financial Services Authority in 2018-2022. The data analysis method for this research uses panel data regression analysis. Based on research results regarding the influence of liquidity ratios, profitability ratios, non-performing credit ratios and effectiveness ratios on financial distress at BPRS in East Java. The liquidity ratio has a positive and insignificant effect on financial distress. The profitability ratio has a positive and significant effect on financial distress. The non-performing loan ratio has a negative and insignificant effect on financial distress. The effectiveness ratio has a negative and significant effect on financial distress.
Pengembangan Program Desa Cinta Statistik dan Inovasi Pewarnaan Batik Mangrove Masyarakat Pesisir untuk Meningkatkan Potensi Ekonomi dan Kesejahteraan Lokal Desa Socorejo Kecamatan Jenu Kabupaten Tuban Oktafianto, Kresna; Sukma, Raka Nur; Kurniawati, Eriska Fitri
J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) Vol. 8 No. 2 (2024): Oktober 2024
Publisher : IKIP PGRI Bojonegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30734/j-abdipamas.v8i2.4791

Abstract

 The priority problem in Socorejo Village lies in the area of a lack of understanding of statistics or data which results in the village's potential not being optimally utilized, especially in the area of processing mangroves into finished materials or Batik. This activity aims to increase the economic potential and welfare of local communities by integrating the use of statistical data for more targeted planning and decision making with batik coloring innovations using natural materials from mangrove plants which are abundant in the coastal area of Socorejo Village. The method used in this activity is 3 stages. The stages are Counseling, Application of Appropriate Technology and Product Marketing and Financial Management. As a result, partners have stated that the Village Love Statistics program for village progress is very much in agreement, which will also provide benefits in developing the village economy where the use of statistics also helps in making better aacoloring for the economy of coastal communities, we strongly agree because it can increase family economic income. Nearly all of the Bunga Samudra PKK group are interested in developing batik businesses with mangrove coloring innovations. Permasalahan prioritas di Desa Socorejo terletak pada bidang kurangnya pemahaman mengenai statistik atau data yang mengakibatkan potensi desa belum optimal untuk dimanfaatkan terutama dibidang pemanfaatan pengolahan mangrove menjadi bahan jadi atau Batik. Kegiatan ini bertujuan untuk meningkatkan potensi ekonomi dan kesejahteraan masyarakat lokal yang mengintegrasikan pemanfaatan data statistik untuk perencanaan dan pengambilan keputusan yang lebih tepat sasaran dengan inovasi pewarnaan batik menggunakan bahan alami dari tanaman mangrove yang melimpah di wilayah pesisir Desa Socorejo. Metode yang digunakan dalam kegiatan ini yaitu dengan 3 tahapan. Adapun tahapannya adalah Penyuluhan, Penerapan Teknologi Tepat Guna dan Pemasaran Produk dan Pengelolaan Keuangan. Hasilnya mitra telah menyatakan bahwa program Desa Cinta Statistik untuk kemajuan desa itu sangatlah setuju, yang juga akan memberikan manfaat dalam pengembangan ekonomi desa dimana penggunaan statistik juga membantu dalam pengambilan keputusan yang lebih baik yaitu dengan pembangunan desa serta kemajuan desa. Dalam hal inovasi pewarnaan batik mangrove bagi ekonomi masyarakat pesisir sangat setuju karena bisa meningkatkan pendapatan ekonomi keluarga. Kelompok PKK Bunga Samudra hampir semuanya tertarik untuk mengembangkan usaha batik dengan inovasi pewarnaan mangrove. 
Peningkatan Pendapatan Masyarakat melalui Optimalisasi Pengasapan Ikan Laut dengan Batok Kelapa dan Kayu Mangrove Ramah Lingkungan (ENVAPRISS) dan Pemasaran Online untuk Kesejahteraan Desa Sukolilo, Kec. Bancar, Kab. Tuban Kurniawati, Eriska Fitri; Sukma, Raka Nur; Innayah, Ridaul
COMMUNITY SERVICE JOURNAL OF ECONOMICS EDUCATION Vol 4, No 2 (2025): Community Service Journal Of Economic Education
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/csjee.v4i2.38637

Abstract

Masyarakat pesisir Desa Sukolilo, Kecamatan Bancar, Tuban, memiliki potensi perikanan laut namun pendapatan keluarga masih rendah akibat proses pengolahan ikan yang konvensional dan pasar yang terbatas. Kegiatan ini bertujuan meningkatkan pendapatan masyarakat melalui optimalisasi pengasapan ikan laut menggunakan bahan bakar ramah lingkungan, yaitu batok kelapa dan kayu bakau (teknologi ENVAPRISS), serta pelatihan pemasaran produk secara online. Metode pelaksanaan terdiri dari tiga tahap utama: (1) penyuluhan tentang pemilihan bahan bakar pengasapan yang ramah lingkungan dan pemasaran digital; (2) penerapan teknologi pengasapan ikan dengan batok kelapa dan kayu bakau; dan (3) pelatihan pemasaran online dan pengelolaan keuangan produk ikan asap. Hasil kegiatan menunjukkan bahwa peserta semakin memahami pentingnya kelestarian mangrove dan penggunaan batok kelapa sebagai bahan bakar pengganti, sesuai penelitian yang menyatakan batok kelapa menghasilkan ikan asap berkualitas tinggi. Pelatihan pemasaran digital juga meningkatkan keterampilan peserta (skor rata-rata pengetahuan naik dari 6,0 menjadi 7,08 sehingga mereka siap menjual produk ke pasar yang lebih luas. Sebagai kesimpulan, integrasi teknologi pengasapan ramah lingkungan dan pemasaran online diharapkan meningkatkan pendapatan dan kesejahteraan masyarakat Sukolilo serta menjaga keberlanjutan sumber daya pesisir.Kata Kunci: pengasapan ikan, batok kelapa, kayu mangrove, pemasaran online, kesejahteraan masyarakat
PENGARUH SIZE DAN DIGITAL BANKING TERHADAP ROE DENGAN BOPO SEBAGAI VARIABEL MEDIASI Afkarina, Izza; Tri Kurniawati, Eris
Journal of Financial Economics & Investment Vol. 6 No. 1 (2026): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

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Abstract

This study analyzes the effect of SIZE and digital banking on ROE with BOPO as a mediating variable, with digital banking proxied by the adoption of digital services (electronic money). The research sample consists of 7 Category 4 banks registered with the OJK with complete quarterly financial reports for the 2021–2024 period, yielding 112 observations. The analysis method used Structural Equation Modeling (SEM). The research results show that the mediation test indicates that operational efficiency does not mediate the relationship between bank size and profitability, while digital banking mediates the relationship between bank size and operational efficiency, but does not mediate the relationship between bank size and profitability. These findings indicate that the contribution of digital banking is more dominant in increasing operational efficiency than its direct impact on profitability, thus requiring a sustainable digitalization strategy to support long-term financial performance.
Co-Authors Adi Prasetyo Afkarina, Izza Anita Wijayanti Anita Wijayanti Arfida Br Arfida Br, Arfida Arifin, Ahmad Zaenal Ayundasari, Vina Ayuning Dwis Cahyasari Dimas Mahardika Palupi Edy Nurfalah Endang Dwi Wahyuni Eny Suprapti Eryawan Deise Ulul Idah Zuhroh Ihyaul Ulum Ita Indah Sari Kresna Oktafianto Kris Gular Pamitra Lilik Muzdalifah Lukyanto Dwi Sandi M. Fariz Fadillah Mardianto Masiyah Kholmi Maylani Suprihatin Muhammad Afif Muhammad Sri Wahyudi Suliswanto Netha Aliffia Nia Nurfitria Oktafianto, Kresna Pertiwi, Rita Anggun Pramesthi, Rr. Dyah Fadliela Raka Nur Sukma Ridaul Innayah Ridho Awanda Rita Anggun Pertiwi Rr. Dyah Fadliela Pramesthi Salim, Tri Fajar Agus Sandi, Lukyanto Dwi Sediono, Sediono Suprihatin, Maylani Tanti Nawangsari Teddy Gunawan Teddy Gunawan, Teddy Zuhroh I Zuhroh I, Zuhroh