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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Ihtifaz: Journal of Islamic Economics, Finance, and Banking PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Prosiding Seminar Nasional Program Pengabdian Masyarakat
Anisatun Anggraeni
Universitas Muhammadiyah Yogyakarta
Religion Agriculture, Biological Sciences & Forestry Chemical Engineering, Chemistry & Bioengineering Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Public Health Social Sciences

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Liquidity Potential Analysis of Sharia Banks Using Stock-Based and Flow-Based Methods Aqidah Asri Suwarsi; Syakir Jamaluddin; Diyah Fajri Anggraini; Anisatun Anggraeni
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 13, No 2 (2021)
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (644.482 KB) | DOI: 10.15408/aiq.v13i2.22571

Abstract

Abstract. Bank liquidity is adequate if the bank has sufficient funds when depositors withdraw them. The bank’s inability to meet its depositors’ rights will negatively affect public confidence and bank profitability. This study is to identify the potential liquidity risk of Islamic Commercial Banks in Indonesia using the Stock-Based and Flow-Based Methods based on OJK regulation. The assessment of the potential for liquidity risk using the stock-based method and the weight of the inherent risk value results in the statement risk level for each Islamic commercial Bank, ranging from 2.25 (low) to 2.85 (moderate). The flow-based method results in a negative liquidity gap. This research finds that bank liquidity has no significant impact on its profitability. The research provides direction for Islamic commercial banks in measuring liquidity risk so that the bank can formulate strategies for risk mitigation and control to avoid financial distress. Keywords: Flow-Based, Liquidity, Profitability, Risk Management, Stock-Based Abstrak. Likuiditas bank dikatakan baik apabila bank mampu memenuhi dana yang dibutuhkan saat deposan melakukan penarikan. Namun, jika bank tidak mampu memenuhi dana yang dibutuhkan oleh para deposan, maka tingkat kepercayaan masyarakat bisa berkurang dan memengaruhi profitabilitas bank. Penelitian ini mengidentifikasi potensi resiko likuiditas Bank Umum Syariah di Indonesia dengan Metode Stock-  Based dan Flow-Based, berdasarkan peraturan OJK. Penilaian potensi terjadinya risiko likuiditas dengan menggunakan metode stock-based dan bobot nilai risiko inheren memperoleh hasil tingkat risiko pada masing-masing bank umum syariah yang berkisar antara 2,55 (moderate) sampai dengan 3,15 (moderate). Metode flow-based, secara keseluruhan, menghasilkan gap likuiditas negatif. Dalam penelitian ini, tidak terdapat pengaruh likuiditas bank terhadap profitabilitas. Penelitian ini bermanfaat untuk memberikan arahan kepada Bank  Umum Syariah dalam mengukur Risiko Likuiditas sehingga Bank mampu merumuskan strategi untuk mitigasi dan pengendalian risiko untuk menghindari kondisi Financial Distress.Kata kunci: Flow-Based, Likuiditas, Manajemen Risiko, Profitabilitas, Stock-Based
PEMBERDAYAAN USAHA RUMAHAN CATERING MELALUI EFISIENSI PRODUKSI DAN MANAJEMEN PEMASARAN DUSUN PRAYAN, DESA SENDANGSARI, KECAMATAN MINGGIR, KABUPATEN SLEMAN Julia Noermawati Eka Satyarini; Aqidah Asri Suwarsi; Syah Amelia Manggala Putri; Anisatun Anggraeni
Prosiding Seminar Nasional Program Pengabdian Masyarakat 2021: 4. Kapasitas Daya Saing Usaha Mikro, Kecil, dan Menengah (UMKM) dan Badan Usaha Milik Desa( BU
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (368.492 KB) | DOI: 10.18196/ppm.44.711

Abstract

Salah satu usaha makanan yang banyak dijumpai di desa sendangsari kecamatan Minggir Kabupaten Sleman adalah jajan pasar atau makanan kecil untuk snack. Jajan pasar atau makanan untuk snack merupakan makanan ringan yang banyak digemari masyarakat. Selain untuk dikonsumsi sehari-hari sebagai camilan atau suguhan untuk tamu, jajan pasar juga sering dicari untuk dijadikan suguhan pada saat hajatan, pengajian, arisan dan acara perkumpulan lainnya. Salah satu pemilik usaha rumahan catering di desa sendangsari yang menjadi mitra adalah Ibu Feni. Usaha Ibu Feni tepatnya terletak di kampung Prayan desa Sendangsari, Kecamatan Minggir, Kabupaten Sleman DIY. Tujuan Pengabdian ini adalah menyelesaikan masalah efisiensi proses produksi dengan cara membantu pengadaan kompor besar dan alat parut kelapa listrik. Setelah itu diadakan sosialisasi dan pendampingan penggunaan peralatan tersebut. Tujuan kedua adalah menyelesaikan masalah pemasaran yaitu dengan mengadakan pelatihan tentang strategi promosi menggunakan media sosial untuk memperluas pangsa pasar dan pendampingan dalam membuat media sosial serta katalog menu untuk mempermudah pelanggan memilih menu yang akan dipesan.
Inovasi Produk Pengrajin Gerabah di Dusun Jetis, Panjangrejo, Pundong Bantul Yogyakarta Aqidah Asri Suwarsi; Julia Noermawati Eka Satyarini; Safaah Restuning Hayati; Aninta Gina Sharfina; Anisatun Anggraeni
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol 6 No 2 (2021): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v6i2.1726

Abstract

Panjangrejo is one of the Tourism Villages located in the east of Bantul Regency. Geographically, the location of this Tourism Village is very strategic because this Pottery Tourism Village is on one of the Parangtritis beach tourist routes, which is very crowded by tourists. Due to a lack of attention and support from the village government, the pottery craft of the Panjamgrejo tourism village is not as popular as the Kasongan village. The main problems faced by craftsmen include the stiff competition between pottery artisans, the lack of demand from outside the region due to limitations in marketing digital products (digital marketing), and the fulfillment of safe and attractive packaging. The method used in this service is the method of training and substitution of science and technology. The solution of product packaging that is still simple is overcome by procuring durable and attractive packaging boxes to increase product sales power and minimize product breakage. Also, the promotion of products that have not been run optimally is overcome by digital marketing training both through social media Instagram to Facebook ads with better internet signal support due to the availability of modems to facilitate online product marketing.
SME Financial Governance and Access to Capital in Islamic Microfinance Institutions Julia Noermawati Eka Satyarin; Muhsin Hariyanto; Syah Amelia Manggala Putri; Puri Tri Nanda; Anisatun Anggraeni
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 5 No. 1 (2022)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v4i2.5837

Abstract

Introduction: One of the obstacles faced by MSEs to achieve independence in entrepreneurship is limited working capital. The government through Bank Indonesia has required banks and microfinance institutions to provide working capital to SMEs. However, there are obstacles in its distribution, namely the fulfillment of the requirements for submitting financing related to MSE financial information. There are still many MSEs that cannot provide accurate financial information because they do not carry out financial management properly, such as making financial reports. Meanwhile, fund providers, including Islamic microfinance institutions, require financial information to analyze the customer's ability to repay the financing. Purpose: Knowing how the financial management of MSEs and the obstacles faced in making financial reports, and how MSEs provide financial information to obtain working capital from Islamic Microfinance Institutions. Methodology: This research was conducted with a descriptive qualitative method. The object of this research is the financial reporting of MSEs that are needed by Islamic Microfinance Institutions in making decisions to accept or reject the application for financing by MSEs. The data used are primary and secondary data obtained through interviews, documentation, and observation. Findings: The majority of UMK KSPPS BMT Niten customers do not perform financial management, especially in preparing financial reports. Constraints were faced due to the lack of awareness of MSEs on the importance of financial management, especially in preparing financial reporting, lack of knowledge about financial management, especially in preparing financial reporting, and limited time. KSPPS BMT Niten obtains financial information of prospective UMK customers or financial information of existing UMK customers through direct interviews. Paper Type: Research Article
Co-Authors Aninta Gina Sharfina Diyah Fajri Anggraini Julia Noermawati Eka Satyarin Julia Noermawati Eka Satyarini Muhsin Hariyanto Puri Tri Nanda Safaah Restuning Hayati Suwarsi, Aqidah Asri Syah Amelia Manggala Putri Syakir Jamaluddin