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All Journal ProBank: Jurnal Ekonomi dan Perbankan Communicatus: Jurnal Ilmu Komunikasi Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jati: Jurnal Akuntansi Terapan Indonesia Journal of Economic, Bussines and Accounting (COSTING) Primanomics : Jurnal Ekonomi & Bisnis INVENTORY: JURNAL AKUNTANSI JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Competitive Jurnal Akuntansi dan Keuangan Bilancia : Jurnal Ilmiah Akuntansi Jurnal Akuntansi Kompetif Al Maal: Journal of Islamic Economics and Banking Jurnal Proaksi OPTIMA Jurnal Bina Akuntansi BUDGETING : Journal of Business, Management and Accounting Jurnal Ilmu Manajemen Retail Universitas Muhammadiyah Sukabumi (JIMAT UMMI) Jurnal Pajak dan Bisnis (Journal of Tax and Business) JAKA (Jurnal Akuntansi, Keuangan dan Auditing) Expensive: Jurnal Akuntansi dan Keuangan Journal of Economics and Social Sciences Innovative: Journal Of Social Science Research Journal of Management, Economic, and Accounting Karimah Tauhid Ecos-Preneurs: Alahyan Jurnal Pengabdian Masyarakat Multidisiplin JPM International Journal of Law, Policy and Governance Adpebi International Journal of Multidisciplinary Sciences SENMEA Jurnal Ekonomi, Manajemen, Akuntansi As-Syirkah: Islamic Economic & Financial Journal
Tina Kartini
Universitas Muhamadiyah Sukabumi
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Neuroscience Nursing Public Health Social Sciences Other

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Pengaruh Literasi Keuangan Dan Financial Teknologi Terhadap Perilaku Keuangan Aryanti, Meli; Kartini, Tina; Indrawan, Andri
Expensive: Jurnal Akuntansi dan Keuangan Vol. 3 No. 2 (2024): Mei
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/exclusive.v3i2.6323

Abstract

This study aims to determine and explain the effect of financial literacy and financial technology on financial behavior in accounting students. This research is an associative quantitative study using primary data collected through questionnaires. The population in this study were active students of the Accounting Study Program, Faculty of Economics, Muhammadiyah University of Sukabumi, even semester, namely 390 students. the sample in the study was 80 people. The sampling technique was purposive sampling and analyzed through multiple linear regression.The results of this study stated that partially financial literacy had a positive effect on the financial behavior of accounting students, as evidenced by the value of the regression coefficient of 5.086 > 1.9908 and a significance value of 0.000 <0.05, and financial technology has no effect on financial behavior as evidenced by a regression coefficient value of 0.764 <1.9908 and a significance of 0.00 Meanwhile, the financial literacy and financial technology variables simultaneously influence the financial behavior of Accounting Students at the Muhammadiyah University of Sukabumi of 31,384 with a significance of 0.00.
Handling Non-Performing Loans: Case Studies on Pt. BPR Supra Artapersada Cibeber Branch Balqista, Nur Prasida; Sudarma, Ade; Kartini, Tina
Adpebi International Journal of Multidisciplinary Sciences Vol. 2 No. 2 (2023)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijms.v2i2.659

Abstract

People's Credit Bank is a banking institution that prioritizes lending services to the public. The distribution will be accompanied by credit risk, namely the emergence of non-performing loans. This study aims to determine the handling of non-performing loans at PT. BPR Supra Cibeber Branch. The research method used is to use qualitative methods by conducting observation techniques, in-depth interviews, and documentation. The results of the study showed an increase in NPL in 2022 by 1.37%, while the distribution of working capital decreased by 6.05%. In terms of handling non-performing loans PT. BPR Supra Artapersada Cibeber Branch implements several efforts, namely by conducting intensive visits to debtors, providing warning letters 1-3, making 3R efforts (Rescheduling, Reconditioning, Restructuring), taking over collateral, and writing off books for debtors.
Optimasi Media Sosial Dalam Memperkuat Personal Branding Bagi Siswa-Siswi SMK Karya Nasional Kab. Kuningan Jawa Barat Pramayanti, Dian Ikha; Darlin, Evalina; Uddin, Badie; Sopiah, Sopiah; Gunariah, Frilla; Kurnia, Kurnia; Kartini, Tina
Jurnal Pengabdian Masyarakat Vol. 3 No. 1 (2025): Januari-JPM
Publisher : PDPI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58818/jpm.v3i1.83

Abstract

Pelatihan digital marketing adalah suatu pendekatan pendidikan yang krusial dalam era digital saat ini. Siswa Sekolah Menengah Kejuruan (SMK) memiliki potensi besar untuk mengembangkan keterampilan dalam bidang ini. Pelatihan digital marketing memberikan pemahaman yang mendalam tentang strategi pemasaran digital, alat, dan teknik yang dapat siswa terapkan di dunia nyata. Manfaat penting pelatihan digital marketing bagi siswa SMK mencakup peningkatan permintaan pekerjaan di bidang ini, peluang berwirausaha, kemampuan adaptasi terhadap teknologi baru, dan kesempatan untuk berpartisipasi dalam proyek-proyek praktis. Pelatihan ini juga memungkinkan siswa untuk memahami pasar global, menyediakan rujukan akademis, dan mengurangi kesenjangan kompetensi di antara lulusan SMK. Metode pelatihan yang efektif mencakup kelas daring, pembelajaran berbasis proyek, kolaborasi dengan industri, pelatihan dalam kelompok kecil, mentoring, sertifikasi digital marketing, kompetisi, evaluasi, dan klub digital marketing. Semua ini bertujuan untuk mempersiapkan siswa SMK agar siap menghadapi tantangan dan peluang di dunia kerja yang semakin digital. Pentingnya pelatihan digital marketing untuk siswa SMK adalah investasi dalam masa depan pengembangan sumber daya manusia yang kompeten dalam menghadapi dunia digital yang terus berkembang. Hasil yang dicapai pada pelatihan digital marketing adalah siswa memahami dengan baik strategi pemasaran digital lainnya. Selain itu, siswa telah memahami etika digital dan cara berinteraksi secara aman di dunia digital.
Analisis Sistem Pembiayaan bagi Hasil dengan Akad Mudharabah pada Lembaga Keuangan Syariah: (Studi Kasus pada BMT Ibaadurrahman Kota Sukabumi) Fauziah, Siti Sarah Fauziah; Kartini, Tina; Noor, Iqbal
Jurnal Pajak dan Bisnis Vol 4 No 2 (2023): Journal Of Tax and Business
Publisher : LPPM-STPI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55336/jpb.v4i2.116

Abstract

Penelitian ini bertujuan untuk menyelidiki sistem pembiayaan bagi hasil dengan akad mudharabah di BMT Ibaadurrahman Kota Sukabumi. Metode penelitian yang digunakan adalah kualitatif deskriptif dengan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi. Hasil penelitian ini menunjukkan bahwa saat BMT Ibaadurrahman menerapkan sistem pembiayaan bagi hasil dengan akad mudharabah, metode yang umum digunakan adalah profit and loss sharing Dalam metode ini, hasil dihitung sebagai laba bersih/rugi, dan rasio pembagian hasil yang sering digunakan adalah 70:30 atau 65:35, yang telah disepakati oleh kedua belah pihak, yaitu Shahibul maal dan Mudharib. Namun, perlu dicatat bahwa sistem pembiayaan mudharabah di BMT Ibaadurrahman di Sukabumi belum sepenuhnya sesuai dengan Fatwa DSN No.07/DSN-MUI/IV/2000. Ini berarti bahwa jika terjadi kerugian dalam sistem pembiayaan ini, tanggung jawab untuk menanggung kerugian harus dibagi antara Shahibul maal dan Mudharib sesuai dengan nisbah bagi hasil yang telah disepakati.
ANALISIS PEMBIAYAAN PENSIUN DENGAN MENGGUNAKAN AKAD MURABAHAH DALAM MENINGKATKAN PEREKONOMIAN NASABAH DI BSI KCP SUKABUMI PELABUHAN RATU Rahmawati, Sindi; Kartini, Tina; Nugroho, Gatot Wahyu
Bilancia : Jurnal Ilmiah Akuntansi Vol 9 No 1 (2025): Bilancia : Jurnal Ilmiah Akuntansi
Publisher : Institut Bisnis dan Teknologi Pelita Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35145/bilancia.v9i1.4817

Abstract

Financing provided to retirees is one of the financing products and channeling of funds provided by Bank Syariah Indonesia KCP Sukabumi Pelabuhan Ratu which is intended for pensioners (PNS, BUMN and Private) who earn monthly income who need funds or have business desires or other individual nature. Financing for pensions is a consumer financing facility that applies multipurpose financing to pensioners, with this financing it can improve the quality of life of customers with an installment payment system through direct salary deductions for monthly pensions received every month. This study aims to find out how the pension financing mechanism with a murabaha contract improves the economy of customers at BSI KCP Sukabumi Pelabuhan Ratu. This study uses a qualitative research method with a descriptive approach in which this approach is used to explain the actual situation in the field in a factual and accurate manner regarding the phenomenon being investigated. This research was conducted using data collection techniques in the form of direct interviews with the parties concerned as well as documentation and observation. The results of this study indicate that the mechanism for pension financing with a murabahah contract at BSI KCP Sukabumi Pelabuhan Ratu is carried out by the customer applying for pension financing and submitting the goods to be purchased, then BSI will convey the selling price and the set margin. If the customer agrees with the terms set by BSI, the next step will be a sale and purchase contract or a murababah contract. In this case, BSI is the seller and the pension customer is the buyer. After taking financing at BSI KCP Sukabumi Pelabuhan Ratu for customer needs in improving their economy. The magnitude of the economic increase felt by pension customers is of course different, this is because the business carried out by each customer is different and also the ability and some are used for business and some for consumptive purposes. Pembiayaan yang diberikan kepada pensiun adalah salah satu produk pembiayaan dan penyaluran dana yang disediakan oleh Bank Syariah Indonesia KCP Sukabumi Pelabuhan Ratu yang diperuntukkan untuk kalangan pensiun (PNS, BUMN dan Swasta) yang memperoleh penghasilan bulanan yang membutuhkan dana atau mempunyai keinginan usaha serta yang lainnya yang sifatnya perorangan. Pembiayaan kepada pensiun ini merupakan penyaluran fasilitas pembiayan consumer yang menerapkan pembiayaan multiguna kepada para pensiun, dengan pembiayaan ini dapat meningkatkan kualitas hidup nasabah dengan sistem pembayaran angsuran melalui potong gaji langsung atas pensiun bulanan yang terima setiap bulannya. Penelitian ini bertujuan untuk mengetahui bagaimana mekanisme pembiayan pensiun dengan akad murabahah dlam meningkatkan perekonomian nasabah di BSI KCP Sukabumi Pelabuhan Ratu. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan deksriptif dimana dengan pendekatan ini untuk menjelaskan keadaan yang sebenarnya terjadi di lapangan secara faktual dan akurat mengenai fenomena yang diselidiki. Penelitian ini dilakukan dengan teknik pengumpulan data berupa wawancara langsung dengan pihak-pihak yang bersangkutan serta dokumentasi dan observasi. Hasil penelitian ini menunjukkan bahwa mekanisme pembiayaan pensiun dengan akad murabahah di BSI KCP Sukabumi Pelabuhan Ratu dilakukan dengan cara nasabah mengajukan pembiayaan pensiun dan menyampaikan barang apa yang akan dibeli, kemudian pihak BSI akan menyampaikan harga jual dan margin yang ditetapkan. Jika nasabah setuju dengan ketentuan yang ditetapkan BSI langkah selanjutnya akan dilakukan akad jual beli atau akad murabahah. Dalam hal ini BSI sebagai penjual dan nasabah pensiun sebagai pembeli. Setalah mengambil pembiayaan di BSI KCP Sukabumi Pelabuhan Ratu untuk kebutuhan nasabah berbeda dan juga kemampuannya serta ada yang digunakan usaha adapula untuk kebutuhan konsumtif.
Analysis of the Murabahah contract financing system on People's Business Credit (KUR) at PT. Bank Syariah Indonesia Kcp. Sukabumi Sudirman Safitri, Mutiara Rintan; Kartini, Tina; Martaseli, Evi
Journal of Management, Economic, and Accounting Vol. 2 No. 2 (2023): Juli-Desember
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v2i2.262

Abstract

Murabahah financing is a transaction of selling goods by stating the acquisition price and profit (margin) agreed upon by the seller and buyer. Murabahah is a type of buying and selling that is permitted by sharia and is a business interaction or muamalat tijariyah. The legal basis for buying and selling Murabahah is found in the Qur'an, Al-Hadith and Fatwa of the National Sharia Council (DSN-MUI). Public knowledge about KUR financing has not been widely distributed, 7 out of 10 Prospective Customers do not know how the KUR application process is, Prospective Customers do not understand the KUR application procedure, Prospective Customers do not meet the requirements that have been set. This study aims to determine the Murabahah Financing System on People's Business Credit (KUR) and Analyze the feasibility of Murabahah Financing on People's Business Credit (KUR) at PT. Bank Syariah Indonesia Kcp. Sukabumi Sudirman. The method used in this study is qualitative research method with a descriptive approach. This study used primary and secondary data sources through observation, interviews and documentation. Based on the results of the study, it shows that the financing system for Murabahah contracts on People's Business Credit (KUR) uses a Murabahah bil wakalah contract. The system for applying for People's Business Credit (KUR) financing that is implemented at PT. Bank Syariah Indonesia Kcp. Sukabumi Sudirman is in accordance with the Standard Operating Procedures (SOP) set by the Financial Services Authority (OJK) which includes several stages, namely: the stage of submitting financing and verifying documents (Free Screening), the stage of financing analysis, the stage of visits (surveys), the stage of giving decisions (terms for financing approval), the stage of proof of documents and contracts, the stage of financing disbursement and the monitoring stage. In analyzing the feasibility of financing People's Business Credit (KUR) PT. Bank Syariah Indonesia has implemented the 5C Principles according to theory (M. L. I. Nasution, 2018), namely Character, Capital, Capacity, Conditions, Collateral (Guarantee).
Analysis of Revenue Accounting Information Systems And Cash Disbursements (Case Study on Alfamart Franchise CV Lintang Alfaria) Hidayat, Rahmat; Kartini, Tina; Indrawan, Andri
Journal of Management, Economic, and Accounting Vol. 3 No. 1 (2024): Januari- Juni
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v3i1.303

Abstract

The purpose of this study was to find out how the cash receipts and disbursement accounting information system at the Alfamart franchise CV Lintang Alfaria. Data analysis used is qualitative data with qualitative descriptive analysis method. The results showed that the cash receipts and disbursements accounting information system at CV Lintang Alfaria still uses manual standards in its financial reporting.
Pengaruh Profitabilitas dan Corporate Social Responsibility terhadap Nilai Perusahaan pada Perusahaan Pertambangan yang Terdaftar di Bursa Efek Indonesia Periode 2018 – 2022 Muhamad Dani Alif Alfatihah; Tina Kartini; Risma Nurmilah
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 1 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/788gvp28

Abstract

This study aims to determine the effect of corporate social responsibility and intellectual capital on the company's financial performance. The variables used in this study are the Effects of Profitability and Corporate Social Responsibility on Company Value Study of Mining Companies Listed on the Indonesia Stock Exchange for the 2018 – 2022 period. This research was conducted using a quantitative method with an associative approach. The population in this study is the annual reports of mining companies listed on the Indonesian stock exchange 2018-2022 of 10 companies and a sample of 50 company annual reports is taken. In this research, the sample was taken using purposive sampling technique. Data collection techniques using secondary data. The data analysis technique used is descriptive statistical test, classical assumption test, multiple linear analysis, and hypothesis testing. The results of this study indicate: the independent variables are profitability and corporate social responsibility while the dependent variable is company value. The results of this study indicate that profitability influences firm value, corporate social responsibility variable has a significant effect on firm value. Profitability and corporate social responsibility have a simultaneous effect on company value. So it can be concluded that profitability and corporate social responsibility has an effect of only 37.9% on company value and the rest is influenced by other factors not examined in this study.  
Efektivitas Penerapan Sistem dan Prosedur Akuntansi Aset Tetap pada Dinas Perdagangan dan Perindustrian Kabupaten Sukabumi Vikri Andrawan; Tina Kartini; Risma Nurmilah
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 4 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/vvpt5q81

Abstract

This study aims to evaluate the effectiveness of the implementation of fixed asset accounting systems and procedures at the Trade and Industry Office of Sukabumi Regency. The research method used is a qualitative method with an analytical descriptive approach. Data were collected through interviews, observations, and documentation. The results showed that the implementation of fixed asset accounting systems and procedures is in accordance with applicable government accounting standards, but there are still some obstacles in its implementation such as lack of training for staff and limited resources. Based on the calculation of the effectiveness ratio using the Dean J. Champion measuring instrument, the effectiveness level reached 88%, which is included in the very effective category. The number of indicators assessed were 11 indicators of fixed asset accounting systems, with 9 indicators met, and 7 indicators of fixed asset accounting procedures, which were all met. Recommendations to improve effectiveness include providing better training for staff, increased resource allocation, and improved management and internal controls.  
Pengaruh Pembiayaan Ijarah dan Murabahah terhadap Profitabilitas pada Bank Umum Syariah di Indonesia Sany Putri Rabiul Awaliah; Tina Kartini; Iqbaal Noor
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 4 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/63fs8a19

Abstract

This study aims to explain the effect of ijarah financing on profitability at Islamic commercial banks in Indonesia, explain the effect of murabahah financing on profitability at Islamic commercial banks in Indonesia and explain the effect of ijarah and murabahah financing on profitability at Islamic banks in Indonesia. The research method used in this study is a quantitative approach with statistical analysis to test the effect of Ijarah and Murabahah financing on the profitability of Islamic banks in Indonesia. The population used is Islamic banks in Indonesia. The samples used in this study were 8 Islamic Banks in Indonesia using purposive sampling technique. The data collection technique used is literature study. The data analysis technique used is the statistical method of multiple linear regression analysis using SPSS. The results showed that there was a negative and significant influence between Ijarah on return on assets, there was a positive and significant influence between Murabahah on return on assets, there was no influence between Ijarah on return on assets and there was a positive and significant influence between Ijarah and Murabahah on return on assets.
Co-Authors Acep Suherman Ai Iklimah Agustina Al Fianty, Amelia Alhidayatullah Ali Djamhuri Andre Ardyan Andri Indrawan Anisa Dewi Puspita Ariadi Gusman Aryanti, Meli Averilliana, Carissa Badie Uddin Balqista, Nur Prasida Darlin, Evalina Deri Kurnia Saputra Elan Eriswanto Evi Martaseli Fauziah, Siti Sarah Fauziah Fitri Dwi Ulma Fitria Nurhidayah Tunazzah Gatot Wahyu Nugroho Gianti Ajeng Cahyani Gunariah, Frilla Hijjah, Warnida Idang Nurodin Iqbaal Noor Iqbal Noor Ismet Ismatullah Iyab Salahudin KURNIA KURNIA, KURNIA Laita Shopia Martiani S, Desri Muhamad Dani Alif Alfatihah Muhamad Dani Alif Alfatihah Muhammad Fakhri Ikhsan Muhammad Khairul Amal Mumu Mohamad Fadjar Mutiara, Tia Muzdalifah, Nazia Nadia Nasywa, Salwa Aftar Nazia Nadia Muzdalifah Nurmilah, Risma Pattanapokinsakul, Kanyapat Pitriyani Pitriyani Pramayanti, Dian Ikha Rahita Rosdiana Putri Rahmat Hidayat Rahmawati, Sindi Reni Anggriani, Reni Ri&#039;yati Najiyah Risma Nurmilah Safitri, Mutiara Rintan Sany Putri Rabiul Awaliah Shaqinah, Lisa Sholihati, Ghina Mar'atu Sidik, Aditya Purnama Sinta Ayu Nurkarima Siti Ambar Alya Hanifah Sophan, Irfan Sopiah, Sopiah Sudarma, Ade Sulaeman Sulaeman Sulaeman Sulaeman Suratman Suratman Tanti Aulyza Putri Teti Rahmawati Tri Shakti Wiguna Venita Sofiani Vikri Andrawan Wahyuningtias, Rizka Wijaya, Arip Prilian