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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al Maal: Journal of Islamic Economics and Banking International Journal of Economics, Business and Accounting Research (IJEBAR) Applied Accounting and Management Review Jurnal Pengabdian Masyarakat dan Riset Pendidikan
Saniman Widodo
Politeknik Negeri Semarang
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Analisis Pengaruh Financing To Deposit Ratio, Rasio Efisiensi Kegiatan Operasional, Non Performing Financing, Dan Inflasi Terhadap Return On Asset pada Bank Umum Syariah di Indonesia Periode 2014-2019 Siti Aminatun Jazila; Saniman Widodo; Siti Hasanah
Al Maal: Journal of Islamic Economics and Banking Vol 2, No 2 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v2i2.3216

Abstract

This study aims to analyze the significance effect of Financing to Deposit Ratio (FDR), Operasional Activity Efficiency Ratio (REO), Non Performing Financing (NPF) and Inflation toward Return On Asset (ROA) at Sharia Commercial Banks in Indonesia Period 2014-2019, both simultaneously and partially. The population in this study were all Sharia Commercial Banks in Indonesia period 2014-2019, while the sample in this study were 4 (four) Sharia Commercial Banks in the period of 2014-2019, which were selected using purposive sampling technique. The analysis model in this study is a multiple linear regression analysis model, and the analysis technique used the simultaneous test (F test), determination coefficient test (R2), and partial test (t test). The result of this study showed that the FDR, REO, NPF and Inflation simultaneously have a significant effect toward ROA at Sharia Commercial Banks in Indonesia period 2014-2019. Furthermore FDR partially has a positive but not significant effect toward ROA, REO partially has a negative and significant effect toward ROA, NPF partially has a negative but not significant effect toward ROA, and Inflation partially has a positive and significant toward ROA at Sharia Commercial Banks in Indonesia period 2014-2019.
Analisis Pengaruh Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Biaya Operasional Terhadap Pendapatan Operasional (BOPO) dan Debt to Equity Ratio (DER) Terhadap Return on Equity (ROE) pada Bank Umum Syariah di Indonesia Periode 2016 – 2020 Berliana Dwi Angraeni; Saniman Widodo; Suryani Sri Lestari
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (385.023 KB) | DOI: 10.30651/jms.v7i1.10032

Abstract

Tujuan penelitian ini adalah untuk mengetahui dan menganalisis pengaruh pengaruh Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Biaya Operasional terhadap Pendapatan Operasional (BOPO), dan Debt to Equity Ratio (DER) terhadap Return On Equity (ROE) Bank Umum Syariah di Indonesia Periode 2016-2020. Data yang digunakan dalam penelitian ini adalah data sekunder dari masing-masing variabel pada industri perbankan umum syariah yang terdaftar di OJK. Data yang digunakan merupakan data time series dari tahun 2016-2020 yang diperoleh melalui situs resmi statistik perbankan Syariah (www.ojk.go.id). Untuk menganalisisnya, peneliti menggunakan model regresi linear berganda dengan SPSS 26. Dari hasil analisis data yang telah dilakukan, kesimpulan pada penelitian ini adalah NPF, FDR, BOPO dan DER secara simultan berpengaruh signifikan terhadap ROE. Variabel NPF secara parsial berpengaruh negatif dan tidak signifikan terhadap ROE. Variabel FDR secara parsial berpengaruh positif dan tidak signifikan terhadap ROE. Variabel BOPO secara parsial berpengaruh negatif dan signifikan terhadap ROE dan variabel DER secara parsial berpengaruh positif dan signifikan terhadap Bank Umum Syariah di Indonesia periode 2016-2020.
ANALYSIS OF THE EFFECT OF WORK MOTIVATION, WORK ENVIRONMENT, AND WORK STRESS ON EMPLOYEE PERFORMANCE AT PT BANK TABUNGAN NEGARA (BTN) SHARIA SEMARANG BRANCH OFFICE Dwi Eri Fitriyani; Muhammad Asrori; Saniman Widodo
Applied Accounting and Management Review (AAMAR) Vol 1, No 1 (2022): APPLIED ACCOUNTING AND MANAGEMENT REVIEW (AAMAR)
Publisher : Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (387.837 KB) | DOI: 10.32497/aamar.v1i1.3904

Abstract

This study aims to analyze the significance of the effect of work motivation, work environment, and work stress on employee performance at PT Bank Tabungan Negara (BTN) Sharia Semarang Branch Office either simultaneously or partially. The population in this study were all employees at PT Bank Tabungan Negara (BTN) Sharia Semarang Branch Office. The sampling technique used was purposive sampling, as many as 55 employees. The data used in this study is primary data obtained through the distribution of questionnaires. The data analysis model uses multiple linear regression analysis model. While the data analysis technique used the F statistical test, the coefficient of determination (R2 ), and the t statistic test which was processed using the SPSS 26 program. The results of the analysis and discussion show that work motivation, work environment, and work stress simultaneously have a significant effect on employee performance at PT Bank Tabungan Negara (BTN) Sharia Semarang Branch Office. Partially, work motivation has a positive and significant effect. Meanwhile, work environment and work stress have a positive and insignificant effect on employee performance at PT Bank Tabungan Negara (BTN) Sharia Semarang Branch Office.
ISLAMIC BANKING PERFORMANCE BASED ON BANK HEALTH BEFORE AND DURING THE COVID-19 Suryani Sri Lestari; Siti Hasanah; Saniman Widodo; Mustika Widowati; Mella Katrinasari
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 2 (2024): IJEBAR, VOL. 08 ISSUE 02, JUNE 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i2.12801

Abstract

The research entitled "Sharia Banking Performance Based on Bank Health Before and During the Covid-19 Pandemic" was based on the Covid-19 pandemic that hit Indonesia, which had an impact on bank health but also hampered Indonesia's economic growth. One of the sectors that the government has focused on in dealing with economic problems is banking, which is predicted to be affected by the pandemic. The purpose of this study is to analyze the impact of the Covid-19 pandemic on the performance of Islamic banking using the health ratio variables of Islamic banks, namely: Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), Return on Assets (ROA), Operational Income Operational Costs (BOPO), and Capital Adequacy Ratio (CAR). This study uses secondary data, namely quarterly financial reports for the two years before (2018-2019) and the two years during the Covid-19 pandemic (2020-2021). The sample used in this study is Islamic Commercial Banks that fall into the BUKU 2 category (Business Commercial Banks), namely Banks with Core Capital of at least IDR 1,000,000,000,000.00 (one trillion rupiah) to less than IDR 5,000,000. 000,000.00 (five trillion rupiah), including Bank Muamalat Indonesia, BCA Syariah Bank, Bank Panin Dubai Syariah, Bank Mega Syariah, and Bank Aceh Syariah. Data testing method using descriptive statistics, normality test, and hypothesis testing. For the normality test use the Shapiro-Wilk test due to the small number of samples. Hypothesis testing used the Paired Sample T-Test for normally distributed data and the Wilcoxon Signed Rank Test for abnormally distributed data through the SPSS 25 program with a significance level of
Peningkatan Kompetensi dan Pendampingan Pembukuan dan Manajemen Keuangan pada UMKM Kuliner Pumasera Berkah Nusantara di Kota Semarang: Pengabdian Siti Hasanah; Suryani Sri Lestari; Saniman Widodo; Mustika Widowati; Mella Katrina Sari; Siti Mutmainah; Resi Yudhaningsih; Iwan Budiyono; Kenneth Pinandhito
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 4 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 4 Tahun 2026
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i4.6799

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memainkan peran penting dalam pembangunan ekonomi lokal; namun, banyak pelaku usaha kecil terus menghadapi tantangan dalam menjaga pembukuan dan manajemen keuangan yang tepat, yang dapat menghambat keberlanjutan bisnis. Program pengabdian masyarakat ini bertujuan untuk meningkatkan kompetensi pembukuan dan manajemen keuangan di antara anggota komunitas UMKM kuliner di Semarang, Indonesia. Intervensi ini menerapkan pendekatan pendampingan partisipatif menggunakan pembelajaran pengalaman (belajar sambil melakukan), yang terdiri dari pelatihan pembukuan praktis dan bantuan manajemen keuangan. Sebelas peserta terlibat dalam program ini. Evaluasi dilakukan menggunakan pre-test, post-test, dan kuesioner kepuasan peserta. Hasil menunjukkan peningkatan yang signifikan dalam kompetensi peserta, dengan skor rata-rata meningkat dari 34 pada pre-test menjadi 72 pada post-test, yang mewakili peningkatan 38 poin. Kepuasan peserta mencapai 100% di semua indikator evaluasi, menunjukkan relevansi dan efektivitas intervensi. Selain meningkatkan pengetahuan, program ini meningkatkan kesadaran peserta tentang pentingnya memisahkan keuangan pribadi dan bisnis serta mendorong penerapan praktik pencatatan keuangan yang lebih sistematis.
Co-Authors Berliana Dwi Angraeni Dwi Eri Fitriyani Iwan Budiyono Kenneth Pinandhito Mella Katrina Sari Muhammad Asrori Mustika Widowati Resi Yudhaningsih Siti Aminatun Jazila Siti Hasanah Siti Mutmainah Suryani Sri Lestari