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All Journal JURNAL ILMIAH MANAJEMEN & BISNIS Jurnal Ilmiah Ekonomi Islam Economica: Jurnal Ekonomi Islam Indonesian Journal of Strategic Management ILTIZAM Journal of Sharia Economic Research IKRA-ITH ABDIMAS IKRA-ITH EKONOMIKA Jurnal Pengembangan Wiraswasta Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JURNAL PENELITIAN EKONOMI DAN AKUNTANSI (JPENSI) JURNAL EKOBIS DEWANTARA JSMA (Jurnal Sains Manajemen dan Akuntansi) Journal of Research in Business, Economics, and Education Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Manajemen Kewirausahaan Enrichment : Journal of Management Ilomata International Journal of Management Indonesian Journal of Islamic Economics and Business Jurnal Ekonomi Journal of Research in Social Science and Humanities Jurnal Ilmiah SIGMA: Informatics Engineering Journal of UPB East Asian Journal of Multidisciplinary Research (EAJMR) Jurnal Pengabdian Masyarakat Bestari (JPMB) KOMMAS: Jurnal Pengabdian Kepada Masyarakat Journal of Islamic Economics Lariba Jurnal Lentera Pengabdian Proceeding International Pelita Bangsa VIDHEAS: Jurnal Nasional Abdimas Multidisiplin Santri : Jurnal Ekonomi dan Keuangan Islam
Adrianna Syariefur Rakhmat
Universitas Pelita Bangsa
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Pengembangan Sistem Informasi Akademik Siswa Berbasis Web Pada Sma Negeri 1 Cikarang Timur Dengan Menggunakan Metode Prototype Ikmal Riyan Firmansyah; Hadikristanto, Wahyu; Ardiatma, Dodit; Ermanto; Syariefur Rakhmat, Adrianna
Jurnal SIGMA Vol 15 No 2 (2024): September 2024
Publisher : Teknik Informatika, Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/sigma.v15i2.6036

Abstract

Pendidikan merupakan salah satu aspek kehidupan yang sangat dipengaruhi oleh perkembangan teknologi informasi. Data akademik, termasuk nilai, kehadiran, dan informasi siswa, masih dikelola secara manual di SMA Negeri 1 Cikarang Timur. Tujuan dari proyek ini adalah untuk membuat sistem informasi akademik daring yang dapat mempermudah dan meningkatkan efisiensi dalam proses administrasi akademik. Metode pengembangan yang digunakan adalah metode prototyping, yang memungkinkan pengembang bekerja sama dengan pengguna melalui proses desain dan pengujian secara iteratif. Proses pengembangan dimulai dengan analisis kebutuhan, dilanjutkan dengan perancangan sistem menggunakan diagram UML, dan diakhiri dengan pengujian sistem menggunakan teknik BlackBox untuk memastikan seluruh fungsi berjalan dengan baik. Sistem informasi akademik yang dikembangkan mencakup fitur pencatatan dan pengolahan nilai siswa, kehadiran, serta manajemen data guru dan kelas. Hasil pengujian menunjukkan bahwa sistem ini meningkatkan efisiensi dan akurasi dalam pengelolaan data akademik di SMA Negeri 1 Cikarang Timur. Selain itu, umpan balik dari pengguna menunjukkan tingkat kepuasan yang tinggi terhadap sistem, terutama terkait kemudahan penggunaan dan kecepatan akses informasi. Dengan demikian, pengembangan sistem informasi akademik berbasis web ini diharapkan menjadi solusi efektif bagi permasalahan administrasi akademik di SMA Negeri 1 Cikarang Timur serta dapat diadopsi oleh sekolah lain yang memiliki kebutuhan serupa.
Analisis Camel Pada Bank Syariah dan Dampaknya Terhadap Risiko Kredit Rakhmat, Adrianna Syariefur; Fahamsyah, Mohammad Hatta; Nurastuti, Preatmi; Ainulyaqin, Muhammad Hamdan
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15429

Abstract

This research aims to analyze the influence of ROA, NPF, NPM, BOPO and FDR on CAR. The sample used in this research used 60 data. The analytical tools used were Classic assumption test, multiple linear regression, t test, F test and determinant coefficient. The research results show that partially the variable Return on Assets (ROA) has a positive and significant effect on the Capital Adequation Ratio (CAR) and the Financing to Deposit Ratio (FDR) has a positive and insignificant effect on the Capital Adequation Ratio (CAR). Meanwhile, Non-Performing Financial (NPF), Net Profit Margin (NPM) and Operating Costs/Operating Income (BOPO) have a negative and significant effect on the Capital Adequation Ratio (CAR). Simultaneously, the variables Return on Assets (ROA), Non-Performing Financing (NPF), Net Profit Margin (NPM), Operational Costs/Operational Income (BOPO), and Financing to Deposit Ratio (FDR) have a significant positive effect on the Capital Adequation Ratio (CAR ). The determinant coefficient r square value of 0.571 means that the variables Return on Assets (ROA), Non-Performing Financing (NPF), Net Profit Margin (NPM), Operational Costs/Operational Income (BOPO), and Financing to Deposit Ratio (FDR) have an impact on The Capital Adequation Ratio (CAR) is 57.1% and there are still other variables remaining at 42.9%
Leverage on Firm Value with Two Diversifying Profitability and Investment Opportunities Preatmi Nurastuti; Ahmad Rasyiddin; Adrianna Syariefur Rakhmat
Journal of Research in Social Science and Humanities Vol 5, No 2 (2025)
Publisher : Utan Kayu Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47679/jrssh.v5i2.373

Abstract

This research contributes to scientific studies on the contribution of leverage structure to increasing firm value using mediation: profitability and Investment Opportunity Set. This is relevant considering 1. The importance of the leverage function for the company, 2. Profitability and investment opportunities as mediation in increasing firm value are ignored in previous studies. 3. This study also replicates leverage for value creation mediated by IOS, considering that leverage is important for the financial health of the company to grow in creating firm value. This study will help policy makers to have a greater focus on creating firm value. The research analysis was conducted using path analysis, Sobel test, which is used to test the hypothesis from quantitative data taken from manufacturing companies listed on the Indonesia Stock Exchange. This study shows that leverage cannot affect firm value. Profitability also cannot affect firm value. However, leverage can affect profitability or the ability to generate profits as the company's profit power. The company's profit power has the potential to open up investment opportunities and increase firm value.
Equivalent rate thresholds and financing risk in Indonesian Islamic commercial banks: Evidence from a nonlinear panel analysis Rakhmat, Adrianna Syariefur; Effendi, Jaenal; Achsani, Noer Azam; Sahara, Sahara
Journal of Islamic Economics Lariba Vol. 12 No. 1 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss1.art23

Abstract

IntroductionIndonesian Islamic banking has expanded considerably over the past two decades, yet its financing risk has not consistently remained lower than that of conventional banking. Islamic banks also continue to operate within a dual banking system in which conventional interest rates influence the pricing of Islamic financing. These conditions highlight the need to understand whether the equivalent rate of profit-and-loss-sharing financing affects Islamic banking risk in a linear or nonlinear manner.ObjectivesThis study examines the threshold effect of the equivalent rate of profit-and-loss-sharing financing on Indonesian Islamic banking risk. It also estimates a critical equivalent-rate level that may serve as an early warning indicator for financing risk mitigation.MethodThe study employed a quantitative explanatory design using quarterly unbalanced panel data from 15 Indonesian Islamic commercial banks between 2014 and 2024. Islamic banking risk was measured by the ratio of non-performing financing to total financing. The equivalent rate was calculated from returns on profit-and-loss-sharing financing relative to total profit-and-loss-sharing financing. The analysis applied a fixed-effects panel regression model with a least-squares dummy-variable estimator and corrected standard errors. Conventional interest rates, inflation, economic growth, the exchange rate, and the coronavirus disease 2019 period were included as control variables.ResultsThe equivalent rate of profit-and-loss-sharing financing demonstrated a significant inverted U-shaped relationship with Islamic banking risk. Below the estimated threshold of 10.96 percent, an increase in the equivalent rate raised non-performing financing because higher financing costs increased customers’ repayment burdens. Above the threshold, however, a higher equivalent rate reduced financing risk, indicating that Islamic banks strengthened customer screening, feasibility assessment, and project monitoring when expected financing returns were sufficiently high. Conventional interest rates showed a U-shaped relationship with Islamic banking risk, with an estimated threshold of 6.01 percent. Inflation significantly reduced financing risk, whereas economic growth, exchange rates, and the coronavirus disease 2019 period had no significant effects.ImplicationsThe findings support the use of the equivalent-rate threshold as an early warning mechanism. Islamic banks should improve financing portfolio diversification, strengthen customer selection, monitor financed projects continuously, and design profit-and-loss-sharing products that generate stable returns without increasing default risk.Originality/NoveltyThis study contributes new evidence on the nonlinear relationship between equivalent rates and Islamic banking risk and provides a measurable threshold for risk management in Indonesian Islamic commercial banks.
Digitalization and Sharia Financial Literacy as Strategies for MSME Empowerment in Bekasi Regency Mohammad Hatta Fahamsyah; Muhammad Najamuddin Dwi Miharja; Adrianna Syariefur Rakhmat; Muhammad Hamdan Ainulyaqin; Gina Nopiyanti
Lentera Pengabdian Vol. 4 No. 03 (2026): Juli 2026
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/lp.v4i03.1386

Abstract

Micro, Small, and Medium Enterprises play an important role in supporting regional economic development; however, they continue to face challenges related to digital technology adoption and effective financial management. Limited digital literacy and insufficient understanding of sharia-based financial practices often hinder business competitiveness and sustainability. This community service program aimed to enhance the capacity of business owners in utilizing digital technology for marketing activities and implementing sharia-based financial management practices to support sustainable business growth. The program was conducted on June 6, 2026, in Bekasi Regency and involved fifteen micro, small, and medium enterprise owners. The methods employed included socialization, training sessions, hands-on practice, mentoring, and evaluation through pre-activity and post-activity assessments. The training materials covered digital marketing strategies, the use of social media and online marketplaces, digital financial recording, and financial management based on sharia principles. The results demonstrated a significant improvement in participants' understanding of business digitalization and sharia financial management. Participants showed increased ability to utilize digital platforms for marketing, operate digital bookkeeping applications, and manage business finances more systematically. Furthermore, most participants successfully implemented digital marketing practices and financial recording systems in their business operations. The program indicates that the integration of digitalization and sharia-based financial management can effectively improve the capacity, competitiveness, and sustainability of micro, small, and medium enterprises.
Integrating Banking Fundamental Factors with Financial Technologies in Increasing Banking Performance Adrianna Syariefur Rakhmat; Mohammad Hatta Fahamsyah; Preatmi Nurastuti; Muhammad Hamdan Ainulyaqin
Ilomata International Journal of Management Vol. 5 No. 1 (2024): January 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52728/ijjm.v5i1.1054

Abstract

The existence of innovation involving the adoption of technology in banking has boosted financial performance, where banks get sizable benefits. The use of technology in financial services or known as fintech not only produces new products and models in financial services, but has created solutions. This research is a quantitative research with secondary data sourced from the Financial Services Authority and Bank Indonesia from April 2020 to April 2023. The object of this research is all banks in Indonesia whose data has been aggregated. The variables used in the research are fintech as the independent variable, and banking profitability as the dependent variable, then adding banking fundamentals as a control variable . Meanwhile the analysis technique to be used is Ordinary Least Square (OLS). Fintech can optimize its role in supervising customers which can have an impact on minimizing non-performing loans so that it can increase profitability. The next thing is that even though costs increase it can actually increase profitability. The role of fintech in this case is that although the adoption of fintech will increase costs, profitability will also increase. The level of financing represented by LDR can be maximized in percentage in order to increase profitability.
Profit-Loss Sharing in Islamic Banking: Global Insights from a Systematic Review Mohammad Hatta Fahamsyah; Nisful Laila; Adrianna Syariefur Rakhmat; Malik Shahzad Shabbir
Economica: Jurnal Ekonomi Islam Vol. 14 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2023.14.2.26021

Abstract

Islamic banking emerged as a response to the limitations of interest-based financial systems, offering alternative models rooted in Shariah principles—chief among them the profit-and-loss sharing (PLS) mechanism. This study re-examines the implementation of PLS in Islamic banks, identifying key challenges and outlining directions for future research within the framework of Shariah-compliant financial practices. Employing a systematic literature review of Scopus-indexed journal articles, the study compares theoretical foundations and empirical evidence surrounding PLS applications in contemporary Islamic banking. Findings indicate that PLS practices remain only partially aligned with Shariah principles, constrained by insufficient regulatory oversight, heightened credit risk, and moral hazard concerns. The study also identifies critical gaps in community awareness and operational management, underscoring the need for product innovation, stronger governance structures, and targeted educational initiatives. These insights point to three strategic priorities for stakeholders: enhancing governance to mitigate moral hazards, integrating macroeconomic policy support to improve PLS scalability, and expanding public education to close knowledge gaps. Together, these measures can support a more sustainable, equitable, and competitive Islamic banking sector.
The Role of Islamic Fintech in Enhancing Financial Inclusion and Promoting Sharia-Based Economic Growth in Indonesia Enur Hotimah; Mohammad Hatta Fahamsyah; Adrianna Syariefur Rakhmat
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 5 (2026): Oktober: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i5.2602

Abstract

Indonesia’s national financial inclusion index reached 93.61% in 2026, yet Islamic financial inclusion remained only 13.24%, indicating a substantial usage gap between the general and Sharia financial systems. This study examines whether the expansion of Islamic fintech contributes to Islamic financial inclusion and Sharia-based economic growth in Indonesia. An explanatory quantitative design using monthly secondary time-series data from January 2024 to May 2025 was employed. Islamic fintech was proxied by funds raised through Sharia Securities Crowdfunding (SCF), financial inclusion by third-party funds (DPK) of Islamic Commercial Banks and Sharia Business Units (BUS-UUS), and Sharia-based economic growth by BUS-UUS financing. The variables were transformed into natural logarithms. Augmented Dickey-Fuller tests showed non-stationarity in levels but stationarity in first differences; therefore, inference relied on first-difference regressions with Newey-West/HAC robust standard errors. Changes in Sharia SCF fundraising positively affected changes in DPK (β = 0.283; p = 0.015) and financing (β = 0.124; p = 0.027). In the mediation model, the direct effect of fintech remained significant (β = 0.134; p = 0.009), whereas DPK did not significantly affect financing (β = -0.034; p = 0.706). The indirect effect was not significant (Sobel z = -0.373; p = 0.709). The findings suggest that the short-run role of Islamic fintech is more visible through direct financing-channel expansion than through deposit-based mediation. Policy should strengthen interoperability, Sharia digital literacy, consumer protection, and the integration of fintech with Islamic banking and the halal value-chain ecosystem.
Co-Authors Afif Mustafid Taftazani Arsad Rosadi Baenur Sidiq Busaid Busaid Daniel Cung Devi Larasati Dodit Ardiatma Done A.M.P Edora, Edora Enur Hotimah Erliza Noor Ermanto Fahamsyah, Mohammad Hatta Fahamsyah, Mohammad Hatta Gina Nopiyanti Hamdan Ainul Yaqin Hamdan Amaruddin Ikmal Riyan Firmansyah Indra Permana Indra Permana, Indra Irfan Syauqi Beik irma savira JAENAL EFFENDI joshua imannuel yosephine Lisa Kustina Lita Mardiana Malik Shahzad Shabbir Miftakul Huda Mohammad Hatta Fahamsyah Muhammad Hamdan 'Ainulyaqin Muhammad Hamdan Ainul Yaqin Muhammad Najamuddin Dwi Miharja Muhammad, Najamuddin Dwi Miharja Nataliana Bebasari Nisful Laila Nurastuti, Preatmi Pinta Panuluh Preatmi Nurastuti Rasyiddin, Ahmad Riski Eko Ardianto Sahara Sahara Sarwo Edy sarwo edy Siti Maharani Syabila Mardhiyani Wahid Hasyim Wahyu Hadikristanto Yaqin, Hamdan Ainul Yos Soejarminto Zy, Ahmad Turmudi