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All Journal CALYPTRA : Jurnal Ilmiah Mahasiswa Universitas Surabaya Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo Syntax Literate: Jurnal Ilmiah Indonesia Journal of Economic, Bussines and Accounting (COSTING) JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) JOURNAL OF BUSINESS STUDIES Journal of Global Business and Management Review International Journal of Economics Development Research (IJEDR) Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ekuilnomi Jurnal Ekonomi Efektif Journal of Economics Development Issues Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Kajian, dan Terapan Teori SWAGATI: Journal of Community Service

Mintarti Ariani

Fakultas Bisnis Dan Ekonomika Surabaya, Raya Kalirungkut, Surabaya 60293

Author-ID : 2639685

Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Articles

POTENSI FILANTROPI ISLAM DALAM KESEJAHTERAAN MASYARAKAT INDONESIA Mintarti Ariani
Jurnal Ekonomi dan Bisnis Vol. 19 No. 2 (2015): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

Di Indonesia telah banyak berdiri lembaga filantropi yang membantu meringankan beban pemerintah dalam mengentas kemiskinan. Filantropi merupakan suatu upaya masyarakat untuk membantu sesama masyarakat yang kurang beruntung. Filantropi Islam, yang dikenal dalam tradisi agama biasa disebut zakat, infaq, shadaqoh dan wakaf. Potensi dan tingkat kesadaran masyarakat Indonesia dalam rangka pembayaran zakat cukup tinggi. Filantropi Islam di Indonesia belum mampu menerapkan sistem good governance secara utuh akan tetapi keterlibatan muslim dalam pembayaran zakat, infaq dan shadaqah sudah sangat tinggi. Ada harapan besar bahwa potensi filantropi Islam di Indonesia yang selama ini belum digarap secara optimal tersebut akan mampu mampu mengentas kemiskinan

ANALISIS FAKTOR ATAS NON-PERFORMING FINANCING BPR SYARIAH DI INDONESIA PERIODE 2012-2014 Endah Sulastri; Sugeng Hariadi; Mintarti Ariani
Jurnal Ekonomi dan Bisnis Vol. 20 No. 2 (2016): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

The purpose of this research is to analyze the influence the Non Performing Financing in Sharia Rural Banking in Indonesia (BPRS). As some of the factors analyzed in influence of Non-Performing Financing (NPF) is Gross Domestic Product (GDP), Exchange Rates, policy type of financing Islamic banks as well as the allocation ratio murabaha receivables rather than the allocation of profit loss sharing financing (RF). The population in this study was all Sharia Rural Banking in Indonesia (BPRS). Data used was time series data with quantitative approach and analyzed using OLS (Ordinary Least Square). The result of this research indicate that the growth of GDP had a negative impact on the Non Performing Financing (NPF) and significant; exchange rate had a negative impact on the Non Performing Financing (NPF) but not significant; profit and loss sharing ratio of return on total return of financing (RR) has a significant negative effect on the Non Performing Financing (NPF). Murabaha financing allocation ratio to the allocation of profit loss sharing financing and a significant negative Effect on Non Performing Financing (NPF).

ANALISIS FAKTOR YANG MEMPENGARUHI NON PERFORMING LOAN DI INDONESIA : STUDI EMPIRIK PERIODE 2004-2011 Danny Herwanto; Sugeng Hariadi; Mintarti Ariani
Jurnal Ekonomi dan Bisnis Vol. 18 No. 2 (2013): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

Penelitian ini bertujuan untuk mengetahui apakah ada pengaruh dari faktor eksternal terhadap Non Performing Loan (NPL) di Indonesia. Dipilihlah 3 variabel yang digunakan untuk menjelaskan Non Performing Loan (NPL), yaitu Gross Domestic Product (GDP), Interest Rate (r), Inflation (Inf). Penelitian ini menggunakan pendekatan kuantitatif dan metode regresi. Penelitian ini menggunakan menggunakan sampel berupa laporan kinerja bank umum konvensional untuk periode 2004-2011. Jumlah sampel yang digunakan dalam penelitian sebayak 32 sampel. Temuan dari penelitian ini menunjukkan bahwa terdapat pengaruh faktor eksternal tehadap Non Performing Loan (NPL).

ANALISIS KINERJA KEUANGAN BANK UMUM KONVENSIONAL DENGAN ASET TERENDAH DI INDONESIA PERIODE 2014-2017 Jefri Thomi da Costa Boreel; Mintarti Ariani; Bambang Budiarto
Jurnal Ekonomi dan Bisnis Vol. 23 No. 1 (2018): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

This research aims to analyze the payback or Return on Assets (ROA) which has very significant effect against the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Performing Loan (NPL), Net Interest Margin (NIM), and operatingexpenses against the operating income (BOPO). This research uses population of 13 commercial banks with the lowest accounting assets in Indonesia for 2014-2017 period. In this research, the secondary data is taken in the form of the financialstatements of the bank starting from 2014 until 2017. Technique of data analysis in this study uses regression analysis panel where Return on Asset (ROA) as its dependent variabel and the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Performing Loan (NPL), Net Interest Margin (NIM), and operating expenses against operating income (BOPO) as its independent variabel. The results of this research provide evidence that Net Performing Loan (NPL), Net Interest Margin (NIM), and operating expenses against the operating income (BOPO) partially have significant influence towards Return on Asset (ROA) on 13 commercial banks, while Loan to Deposit Ratio (LDR), and the Capital Adequacy Ratio (CAR) partially do not havesignificant influence towards Return on Asset (ROA).

ANALISIS MINAT MENABUNG NASABAH DI BANK BCA SYARIAH CABANG SIDOARJO Nafisa Rismayanti; Sugeng Hariadi; Mintarti Ariani
Jurnal Ekonomi dan Bisnis Vol. 23 No. 2 (2019): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

The research was distributed by certain important factors to decide to save or invest. Clients also pay attention to service and savings products offered by the bank so that the customer would like to use it. Clients always want products that canmeet their needs, and asked the bank to provide the best service. Those factors are one of the things that affects the interests and needs of the behavior of customers. The purpose of this research is to know the influence of the quality of service, product quality, and profit sharing the results against the interest of saving the customer at BCA Bank Syariah in Sidoarjo. This research is quantitative descriptive research with survey method. The number of samples as many as 100 respondents, this research instrument in the form of an online questionnaire. Test instruments, test the classical assumptions, and test data analysis in this research using SPSS 20.00. The results of this study showed that the quality of service (????????), quality savings products (????????), and profit sharing (????????) jointly have a significant influence on relations and against the interest of saving the customer (Y) with the value F of 106.989 with the value significance of determination coefficients and 0.000 (????????) worth 0.763 (76.3%).

PENGARUH VARIABEL EKONOMI MAKRO TERHADAP PEMBIAYAAN PERBANKAN SYARIAH PERIODE 2010-2018 Mirza Zulfikar Hisbul Rachman; Mintarti Ariani; Eko Suwardyono
Jurnal Ekonomi dan Bisnis Vol. 24 No. 1 (2020): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

This study aims to identify the effect of remittances on economic growth. The objects used in this study are five ASEAN countries, namely Indonesia, Cambodia, the Philippines, Vietnam, and Thailand, for the period 2005 to 2016. There are other variables, namely gross fixed capital formation, household consumption expenditure, trade, and population growth which are used as control variable in this model. This study uses a quantitative approach and panel data methods. As a result, there are significant and negative effects on remittances: significant and positive effects on gross fixed capital formation, significant and positive effects on household consumption expenditures, significant and positive effects on trade, and significant and negative effects on population growth on economic growth in five countries. ASEAN.

ANALISIS PENGARUH DPK, NPL, DAN ROA TERHADAP PENYALURAN KREDIT BPR DI KABUPATEN KEDIRI PERIODE 2014-2018 Maria Eka Sihlestari; Henrycus Winarto; Mintarti Ariani
Jurnal Ekonomi dan Bisnis Vol. 24 No. 2 (2020): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

Essentially, the bank is financial institution which has the function to raise funds from thecommunity in the form of deposits, and the channel it back to the community in the form of creditor other. Credits is the main activities performed by Bank Perkreditan Rakyat, because it will bemakes a profit. However, the presenting credits will also provide a lot of risks that must bereceived or experienced by the BPR, because the risks that will be received or experienced aresourced to credit. Therefore, this researh is purpose to analys the effect of DPK, NPL, and ROA,on parcial althought simultan in contribute BPR credits. This researh conducted is quantitativeapproach use data panel regression method, and the data obtained are secondary data.According to the results of regression, the variables DPK and ROA have a significant influenceon credit distribution. While, the NPL variable doesn’t have a significant influence on creditdistribution.

PENGARUH KUALITAS PENERAPAN GOOD CORPORATE GOVERNANCE TERHADAP KINERJA KEUANGAN BANK DEVISA PERIODE 2015 – 2019 Egi Marta Lilian; Mintarti Ariani; Sugeng Hariadi
Jurnal Ekonomi dan Bisnis Vol. 25 No. 1 (2021): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

Penelitian ini memiliki tujuan untuk mengetahui pengaruh dari kualitas penerapan Good Corporate Governance terhadap kinerja keuangan bank. Data penelitian yang digunakan yaitu sebanyak 25 Bank Devisa dari laporan tahunan periode 2015-2019. Good Corporate Governance diukur menggunakan nilai skor komposit. Sampel penelitian yang digunakan adalah bank yang memiliki data secara lengkap laporan keuangan dan skor komposit. Analisis penelitian ini dilakukan secara dua tahap yakni data deskriptif seluruh sampel yang digunakan dan statistik data yang berdistribusi normal. Hasil penelitian ini menunjukan bahwa kualitas penerapan GCG tidak berpengaruh terhadap kinerja keuangan yang diproksikan menggunakan LDR, kualitas penerapan GCG berpengaruh terhadap kinerja keuangan yang diproksikan menggunakan ROA dan BOPO.

FLUKTUASI PENYALURAN KREDIT DI PT BANK MANDIRI TBK Cindy Ananda Putri; Sugeng Hariadi; Mintarti Ariani
Jurnal Ekonomi dan Bisnis Vol. 25 No. 2 (2021): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

PT Bank Mandiri tbk merupakan salah satu Bank BUMN di Indonesia. Sebagai lembaga perbankan yang bertugas dalam menghimpun serta menyalurkan dana kepada masyarakat dalam bentuk kredit, Bank Mandiri perlu menerapkan prinsip kehati-hatian dalam memberikan kredit kepada para debiturnya untuk menghindari adanya kredit macet yang akan berdampak pada kondisi kesehatan bank. Penelitian ini bertujuan untuk menganalisis pengaruh Gross Domestic Product (GDP), Inflasi, Dana Pihak Ketiga (DPK) dan Non Performing Loan (NPL) terhadap jumlah kredit yang diberikan oleh PT Bank Mandiri Tbk. Data penelitian ini bersumber dari Badan Pusat Statistik dan dari 13 laporan tahunan bank Mandiri periode 2008-2020. Metode perhitungan pada penelitian ini menggunakan metode ECM, metode OLS dan uji regresi linear berganda. Hasil penelitian menunjukkan bahwa Gross Domestic Product (GDP) dan Dana Pihak Ketiga (DPK) berpengaruh positif dan signifikan terhadap jumlah kredit PT Bank Mandiri Tbk yang berarti bahwa semakin besar tingkat GDP maka jumlah kredit Bank Mandiri akan semakin meningkat. Non Performing Loan (NPL) berpengaruh positif dan tidak signifikan terhadap jumlah kredit Bank Mandiri. Sedangkan Inflasi berpengaruh negatif dan tidak signifikan terhadap jumlah kredit Bank Mandiri.

ANALISIS POTENSIAL FINANCIAL DISTRESS PADA BANK UMUM KONVENSIONAL INDONESIA PERIODE 2018-2021 Mintarti Ariani
Jurnal Ekonomi dan Bisnis Vol. 26 No. 2 (2022): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

The financial sector is one sector that is always overshadowed by various potential risks. These risks need to be anticipated by banks. Failure to manage risk will affect the bank's financial condition, one of which will lead to potential financial distress. Therefore, the ability of conventional commercial banks is needed to predict the potential for financial distress. The more banks cannot predict the potential for financial distress, it will lead to bankruptcy. This study aims to analyze the Zmijewski model (X-Score) in order to predict financial distress in conventional commercial banks. The object of research is the 13 conventional commercial banks that get the highest rating score from Forbes. Forbes released The World's Best Banks in 2022 by determining the best bank in Indonesia. The variable in this study is to take the cut-off value presented in the Zmijewski model (X-score). The study uses a descriptive approach with secondary data types sourced from the annual financial statements of the Financial Services Authority (OJK) from 2018-2021. The results show that in the Zmijewski model, based on the average X-score, there are 3 conventional commercial banks that are detected as having the potential to experience financial distress. The 3 conventional commercial banks are Bank Jago, Bank Neo Commerce and May Bank. The potential for financial distress is reflected in the results of the profitability ratio (return to assets), which during the observation period there was a tendency to decrease, especially at Bank Jago with the profitability ratio always losing

Co-Authors Aldian Kresna N. Aluisius Hery Pratono Andhika, Muchammad Milladi Andrea Anne Suharsono Apriliani, Ernolita Kartika Bambang Budiarto Bambang Budiarto, Bambang Bujangga Bagus Adi Pramana Cindy Ananda Putri Costa Boreel, Jefri Thomi da Danny Herwanto Djumadi, Firman Rosjadi Djuwari Djuwari Egi Marta Lilian Eko Suwardyono Endah Sulastri Fanisyah Winda Amalia Firman Rosjadi Djoemadi Gunawan, Ferdinand Austin Hariadi, Sugeng Henrycus Winarto Herwanto, Danny Idfi Setyaningrum, Idfi Ilmiddina Afifah Irzameingindra P Radjamin Jefri Thomi da Costa Boreel Johansen Johansen Jonathan, Brian Joshi Maharani Wibowo Livia Theterissa Livia Theterissa Made Siti Sundari Mardita, Candra Nola Maria Eka Sihlestari Maulana, Irfan Apta Mirza Zulfikar Hisbul Rachman Mizchell Baby Amadea Muhammad Audi Rahmadani Handrawan NABILA CLAUDIA A. Nafisa Rismayanti Natania Wulandari Krisbiyanto Novia Sarah Christyana BR Siahaan Radjamin, Irzameingindra Putri Radjamin, Irzameingindra Putri Rajamin, Irza Meingindra Putri Ratna Dewi, Margaretta Rismayanti, Nafisa Rofiatun Solekha Saffa, Natasha Ardhia Salsabila, Unik Hanifah Seliy Kristiani Setiawan, Fahrul Hendrik Siswoyo, Alfian Sugeng Hariadi Sulastri, Endah Sundari, Made Siti Tahik, Paskalia Rulyani Tjipto, Michelle Caroline Wibowo, Joshi Maharani Wijaya, Callysta Natasha

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