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Ali, Karnila
UNIVERSITAS MUHAMMADIYAH METRO
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Sosialisasi Warisan Budaya dan Batik Lampung Di Malaysia Ali, Karnila; Lelawati, Nina; Fitriani, Fitriani; Darmayanti, Elmira Febri
SINAR SANG SURYA Vol 9, No 2 (2025): Agustus 2025
Publisher : UM Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/sss.v9i2.4363

Abstract

Perbedaan paling mendasar antara batik Malaysia dan Indonesia dapat dilihat dari sejarahnya. Jika melihat dari beberapa referensi, batik Malaysia merupakan karya seni. Asal usul batik Malaysia sendiri dikatakan sebagai karya seni yang berasal dari wilayah pesisir timur Malaysia. Perbedaan lainnya antara batik Malaysia dan juga batik Indonesia terletak pada teknik pembuatan batiknya. Jika di Indonesia kita mengenal dua teknik pembuatan batik yaitu menggunakan cap dan juga tulis. Pada batik tulis pengrajin batik akan membuat pola dan corak batik menggunakan canting dan juga lilin. Lain halnya dengan batik Malaysia, teknik pembuatan batik menggunakan cara melukis dengan istilah mencolet dimana corak dibuat dengan menggunakan kuas pada sebuah kain. Branding membantu batik Lampung menciptakan identitas yang unik dan mudah dikenali oleh konsumen di Malaysia. Dengan branding yang kuat, produk batik Lampung akan memiliki ciri khas yang membedakan mereka dari batik Malaysia. Branding Batik Lampung dapat dilihat dari simbol berupa desain motif, warna maupun kemasan yang menjadi ciri khas.Namun, meskipun batik Lampung memiliki ciri khas tersendiri, pengembangan dan pemanfaatan batik sebagai produk unggulan daerah masih terbatas, baik dari sisi produksi, kualitas, maupun pemasaran.. Oleh karena itu, diperlukan upaya strategis untuk mensosialisasikan dan mengoptimalkan potensi batik Lampung melalui program pengabdian kepada masyarakat ini yang bertujuan untuk meningkatkan pengetahuan dan keterampilan UMKM batik Lapung dalam menghasilkan batik yang berkualitas, sekaligus memperkenalkan budaya dan produk batik Lampung ke pasar Internasional. Kegiatan ini juga bertujuan untuk melestarikan nilai-nilai budaya, kain tapis dan batik yang ada di Lampung dipasar Internasional
DETERMINAN KEUANGAN BERKELANJUTAN BANK UMUM SYARIAH DI INDONESIA: PENDEKATAN KUANTITATIF ATAS PENGARUH GREEN FINANCE, RETURN ON ASSETS, LEVERAGE, DAN UKURAN PERUSAHAAN Ridwansyah, Ridwansyah; Wiraputra, Jhody; Ali, Karnila
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 8, No 2 (2025): NOVEMBER
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v8i2.2788

Abstract

Penelitian ini bertujuan untuk mengeksplorasi secara mendalam bagaimana green finance, tingkat profitabilitas yang diukur melalui return on assets (ROA), rasio leverage, serta ukuran perusahaan memengaruhi kinerja keuangan berkelanjutan pada bank umum syariah di Indonesia selama kurun waktu 2019 hingga 2023. Pemilihan sampel dilakukan menggunakan metode purposive sampling, sehingga teridentifikasi sebanyak 8 bank syariah yang memenuhi kriteria seleksi penelitian. Proses analisis data dilakukan melalui pendekatan regresi linier berganda berbasis data panel dengan memanfaatkan perangkat lunak EViews 10.0. Berdasarkan hasil analisis signifikansi parsial (uji t), ditemukan bahwa green finance tidak memiliki dampak signifikan terhadap keberlanjutan kinerja keuangan. Sebaliknya, return on assets, leverage, dan ukuran perusahaan terbukti secara statistik memberikan pengaruh signifikan terhadap aspek keberlanjutan keuangan. Selanjutnya, hasil uji simultan (uji F) menunjukkan bahwa keempat variabel independen yang diteliti secara kolektif memberikan kontribusi yang signifikan terhadap peningkatan kinerja keuangan berkelanjutan pada bank syariah. Hasil temuan ini menghadirkan implikasi penting bagi industri perbankan syariah dalam mengembangkan strategi keuangan yang mengintegrasikan prinsip keberlanjutan, serta memberikan perspektif bernilai bagi para investor dalam menilai kinerja lembaga keuangan berbasis syariah dari dimensi keberlanjutan jangka panjang.
STRENGTHENING FINANCIAL LITERACY FOR INDONESIAN MIGRANT WORKERS IN MALAYSIA: "A STRATEGY TOWARDS FINANCIAL INDEPENDENCE” Ali, Karnila; Dacholfany, Muhammad Ihsan; Fitriani, Fitriani; Darmayanti, Elmira Febri; Lelawati, Nina; Rolia, Eva
SINAR SANG SURYA Vol 10, No 1 (2026): Januari 2026
Publisher : UM Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/sss.v10i1.4988

Abstract

Malaysia was the most frequently chosen country by Indonesian Migrant Workers (IMW) in 2024. Education on the importance of financial management for IMW is crucial. This is because the majority of IMW lack adequate knowledge of financial management. Observations through various media sources concluded that many IMW still lack adequate knowledge and understanding of financial literacy. This education is delivered through training aimed at teaching IMW the importance of financial planning. The materials provided include budgeting, saving, using digital financial applications and online banking services to facilitate transactions and money transfers, and investing, which are essential for effective personal financial management. Management Science University (MSU) Malaysia is a popular destination for Indonesians seeking further education and employment in the formal sector. According to MSU, approximately 200 Indonesian students are currently studying at MSU, with approximately 25 formal migrant workers employed on campus as lecturers and staff and informal workers around Shah Alam. This community service activity is an international collaboration between the Management Science University (MSU) Malaysia Lecturers and the Universitas Muhammadiyah Metro Lecturers. The community service activity takes the form of financial planning training, which is expected to equip Indonesian migrant workers (IMW) working around the MSU campus in Shah Alam with the knowledge necessary for proper financial management. Providing training and reinforcement regarding financial management and digital banking services will be effective in improving the financial literacy of formal and informal IMW working at MSU Malaysia campus and its surroundings.The implementation method for this training consists of four stages: planning, preparation, implementation, and evaluation. The short-term goal of this program is to successfully implement this community service activity, which is expected to serve as an alternative activity to strengthen the literacy of Indonesian migrant workers still working in MalaysiaKeywords: Training, Financial Literacy, Investment, Indonesian Migrant Workers
Pengaruh Pembiayaan Jual Beli, Pembiayaan Bagi Hasil, Financing Deposit Ratio (FDR) dan Non Performing Financial (NPF) Terhadap Profitabilitas Bank Umum Syariah di Indonesia Suwarto; Karnila Ali
Jurnal Indonesia Sosial Teknologi Vol. 2 No. 03 (2021): Jurnal Indonesia Sosial Teknologi
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (885.665 KB) | DOI: 10.59141/jist.v2i03.113

Abstract

Pembiayaan merupakan sumber pendapatan terbesar suatu bank syariah yang kemudian akan mempengaruhi profitabilitas bank. Oleh karena itu bank harus mampu menyalurkan pembiayaan dengan efektif, agar likuiditas pada bank tersebut baik. Bank Syariah berfungsi sebagai lembaga intermediasi keuangan yang melakukan penghimpunan dana dan penyaluraan dana atau pembiayaan. Penyaluran dana atau pembiayaan pada Bank Syariah menggunakan sistim bagi hasil yang disepakati oleh kedua belah pihak yaitu antara penyalur dana dan peminjam dana, penyaluran dana pada Bank harus sesuai dengan prinsip-prinsip syariah yang sudah ditentukan. Penelitian ini bertujuan untuk mengetahui pengaruh pembiayaan jual beli, pembiayaan bagi hasil, Financing Deposit Ratio (FDR) dan Non Performing Financial (NPF) terhadap profitabilitas Bank Umum Syari’ah di Indonesia. Jenis penelitian ini yaitu eksplanatori untuk menguji hipotesis dengan menggunakan analisis statistik regresi berganda. Sampel dalam penelitian ini berjumlah 120 sampel. Hasil analisis regresi menunjukkan bahwa Uji F digunakan untuk mengetahui pengaruh simultan yang terjadi antara variabel dependen dengan variabel independen. Berdasarkan Tabel 5. nilai F hitung sebesar 26,1 34. Sedangkan F tabel (a = 0.05; db regresi = 4 : db residual = 115) adalah sebesar 2,451. Karena F hitung > F tabel yaitu 26,134 > 2,451 atau nilai Sig. F (0,000) < a = 0.05 maka model analisis regresi adalah signifikan. Sehingga dapat disimpulkan bahwa variabel terikat (ROA) dapat dipengaruhi secara signifikan oleh variabel bebas (PJB (X 1), PBH (X 2 ), FDR (X 3 ), dan NPF (X )). Dapat juga dikatakan jika t hitung > t tabel atau -t hitung < -t tabel atau sig. t < 0.05 maka hasilnya berpengaruh signifikan. Nilai t hitung dari setiap variabel bebas menunjukkan > dari t table (1,981) dan nilai sig.t dari setiap variabel bebas > 0.05. artinya keempat variabel ini disimpulkan bahwa secara parsial berpengaruh signifikan terhadap profitabilitas yang diukur dengan ROA pada bank syariah. Berdasarkan data diatas bahwa hasil pengujian menunjukkan secara simultan pembiayaan jual beli, pembiayaan bagi hasil, FDR dan NPF berpengaruh signifikan terhadap profitabilitas yang diukur dengan ROA.
Analisis Pengaruh Literasi Keuangan dan Financial Technology Terhadap Kinerja Keuangan Pada Usaha Mikro, Kecil, Menengah (UMKM) di Kota Metro Lampung Aprilia Putri, Zalvira; Febriyanto; Karnila Ali
Jurnal Manajemen DIVERSIFIKASI Vol. 6 No. 1 (2026): Maret
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v6i1.5916

Abstract

The development of Micro, Small and Medium Enterprises (MSMEs) is currently increasingly rapid. In this development, of course, MSME players are faced with various obstacles, especially related to limited capital. Apart from that, technological advances require MSME players to adapt to always keep up with developments, one of which is by utilizing financial technology. The aim of this research is to find out how financial literacy and financial technology influence the financial performance of MSMEs located in Metro City, Lampung Province. This research used an instrument in the form of a questionnaire which was distributed to 100 respondents who were MSME actors. The research method used is descriptive quantitative. The results of this research state that financial literacy and financial technology have a significant effect on the financial performance of MSMEs in Metro City, Lampung Province.
Analisis Efektivitas dan Efisiensi Pengelolaan APBDes di Desa Rama Indra Dea Angelina; Ardiansyah Japlani; Karnila Ali
Jurnal Manajemen DIVERSIFIKASI Vol. 6 No. 1 (2026): Maret
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v6i1.6131

Abstract

The background to this research is the management of the Rama Indra village income and expenditure budget for the 2021-2023 period which fluctuates every year and there is a lack of openness regarding the APBDes and village information. This research aims to determine the management and effectiveness and efficiency of APBDes management in Rama Indra Village. This research uses a descriptive approach with quantitative research methods. Data collection methods used include interviews, observation and documentation. The results of the research show that the management of the village income and expenditure budget is said to be good and in accordance with Minister of Home Affairs Regulation Number 20 of 2018 concerning village financial management, while the effectiveness of the village income and expenditure budget is classified as very effective with a percentage of 90% -100% while the efficiency of The village income and expenditure budget is also classified as efficient because it is at a percentage of 90%-100%. In this research, the author suggests adding transparency to be more open to the public.
Evaluasi Pengelolaan Dana Desa di Kelurahan Banjarsari Kecamatan Metro Utara Lampung Ria Dika Rahmawati; Karnila Ali; Nani Septiana
Jurnal Manajemen DIVERSIFIKASI Vol. 6 No. 1 (2026): Maret
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v6i1.6286

Abstract

The government is responsible for managing state finances, including central, regional and village finances. Considering that the state disburses large amounts of village funds every year to support villages, through the State Revenue and Expenditure Budget (APBN), managing village funds in the field of community empowerment is crucial. Details of the budget that are not published to the general public are an indication of lack of transparency in government governance practices. Based on a survey conducted by researchers in Banjarsari sub-district, North Metro, Metro City, there are problems involving an imbalance between budget allocation and the need for improvements to facilities and infrastructure. Apart from that, Banjarsari Subdistrict is lagging behind in infrastructure development when compared to other subdistricts in Metro City. This research uses analytical research methods with a quantitative approach, showing that the efficiency of financial management is currently below 40%. There are limitations in the allocation of village funds and transfer income which has an impact on reducing effectiveness in implementing development programs and community services in the Banjarsari sub-district
Analisis Pengaruh Partisipasi Masyarakat, Kompetensi dan Sistem Pengendalian Internal Terhadap Akuntabilitas Pengelolaan Dana Desa Risnalamelan Agifirilarani; Ardiansyah Japlani; Karnila Ali
Jurnal Manajemen DIVERSIFIKASI Vol. 6 No. 1 (2026): Maret
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v6i1.6311

Abstract

This research aims to examine the influence of Community Participation, Competence and Internal Control Systems on Accountability in Village Fund Management. This research uses financial management theory. The data used in this research is primary data based on questionnaires distributed to village officials and the community. This research method uses a sample of village officials who work at the Gedung Gumanti Village Subdistrict Office. The sample in this research is 30 people, based on a purposive sampling method, namely officials who have a minimum of SMP/MTS degree and have worked for more than one year. The choice of hypothesis testing in this research uses multiple linear regression. The results of this research show that Community Participation and the internal control system have a positive effect on Village Fund Management Accountability, while Competency also has a positive effect on Village Fund Management Accountability.
Dampak Reputasi Underwriter, Ukuran Perusahaan dan Financial Leverage Terhadap Underpricing Saham Pada Saat IPO (Studi Kasus Pada Perusahaan Sub-Sektor Teknologi) Martha, Oniesca; Japlani, Ardiansyah; Ali, Karnila
Jurnal Manajemen DIVERSIFIKASI Vol. 6 No. 1 (2026): Maret
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v6i1.6506

Abstract

In the process of issuing shares to the Stock Exchange or known as Initial Public Offering (IPO), underpricing often occurs, which is a phenomenon where the initial share offering price is lower than the closing price in the secondary market. This study aimed to examine the impact of several factors that affect stock underpricing when companies conduct IPOs on the Indonesia Stock Exchange. The time span of this research was 2019 to 2022. The factors studied in this study were Underwriter Reputation, Company Size and Financial Leverage. This research used a quantitative approach, where data were collected and analyzed statistically. This research data analysis used multiple linear regression analysis. The sampling method used purposive sampling with several criteria in accordance with the research objectives and obtained 6 companies as samples from a population of 9 companies. The results showed that partial testing showed variable Underwriter Reputation had a negative and significant effect on Underpricing. While variables Company Size and Financial Leverage had no significant effect on Underpricing and simultaneously. Simultaneous testing of the variables of Underwriter Reputation, Company Size and Financial Leverage had no effect on Underpricing.
Analisis Pembentukan Portofolio Optimal Model Indeks Tunggal Dalam Mengambil Keputusan Investasi Pada Saham Sub Sektor Perbankan Yang Terdaftar di Bursa Efek Indonesia Nadisa Aristia Putri; Karnila Ali; Nani Septiana
Jurnal Manajemen DIVERSIFIKASI Vol. 6 No. 1 (2026): Maret
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v6i1.6508

Abstract

Investment is the main key in achieving increased economic growth which is reflected in the ability to increase the growth rate and income level. In this study the author chose a banking company as the object of research. This research was conducted with a quantitative descriptive research method that aimed to find out what stocks were included in the optimal portfolio candidate and also to find out how much the proportion of each stock was, then to find out the return and risk that will be received. The population used in this study were 47 banking stocks listed on the Indonesia Stock Exchange for the period 2020-2023. Based on the analysis that the author had done by calculating using the formula on Ms excel, , there were 11 stocks that were optimal portfolio candidates, namely Bank Raya Indonesia Tbk, Allo Bank Indonesia Tbk, Bank Victoria International Tbk, Bank CIMB Niaga Tbk, Bank Syariah Indonesia Tbk, Bank Panin Dubai Syariah Tbk, Bank Mandiri (Persero) Tbk, Bank Central Asia Tbk, Bank Negara Indonesia Tbk, Bank Maybank Indonesia Tbk, and Bank Pan Indonesia Tbk. Of the 11 companies, the proportion of each selected stock was BNGA with the highest of 0.2655 (26.5%), then BBHI of 0.1412 (14.1%), BRIS of 0.1207 (12.1%), BBCA 0.1102 (11.0%), AGRO by 0.0822 (8.2%), BMRI by 0.0764 (7.6%), PNBN by 0.0583 (5.8%), BVIC by 0.0546 (5.5%), BNII by 0.0466 (4.7%), BBNI by 0.0398 (4.0%), and PNBS by 0.0045 (0.4%). Of the stocks that made up the optimal portfolio had a return of 0.0475 (4.75%) and a risk of 0.0603 (6.03%).
Co-Authors Afdal Mazni Agustian, Didiek Wijaya Alfandi, Ashari Mahendra Amelia, Shinta Anak Agung Gede Sugianthara Andina Pramesti Awalia Andriyani Dwi Puspitasari Angelica, Aulia Antono, Akbar Dwi Aprilawati, Niputu Irma Aprilia Putri, Zalvira Ardiansyah Japlani, Ardiansyah awalia, andina pramesti Azyasa, Mutiara Wika Azzahra, Merissa Bambang Suhada Bambang T Tri Saputra Dani Anggoro Darmayanti, Elmira Febri Dea Angelina Dick Ratna Sari Didiek Wijaya Agustian Dina Fitriani Dinda Fali Rifan Elita Herdiana Elli Fitriyani Fahmi Andi Ningrum Faiz Dwi Nugroho Febiyanto Febriyanto Febriyanto Febriyanto FIKA MUDRIKAH Fitriani Fitriani Fitri Fitriani Fitriani Fitriani Fitriani Ganis Delvia Gustin Padwa Sari, Gustin Padwa I Gusti Bagus Wiksuana Istiqomah, Nur Ayu Jati Imantoro Jati Imantoro Jati Imantoro, Jati Jawoto Nusantoro Jawoto Nusantoro Lelawati, Nina M. Ihsan Dacholfany Maharani, Nur Martha, Oniesca Muhammad Anif Afandi Muharomi, Wungu Mutiara Wika Azyaza Nadisa Aristia Putri Naelia Zaini Nani Septiana Nani Septiana Nasikah, Durotun Nedi Hendri Nina Lelawati Novita Ningsih Nur Wahyu Ningsih Nuraini Nuraini Nurul Fitriani Oktaviani, Leni Prabowo, Bob Ardi Pradipta, Reyhan Singgih Rahmah Dianti Putri Ramadani, Nafa Wulan Rangga Aditya Raniana, Vina Reza Gunarti Ria Dika Rahmawati Ridwansyah Ridwansyah Risnalamelan Agifirilarani Rizki Iza Maulana Rolia, Eva Rosid, Andiana Rosydalina Putri Sahputra, Bagus Surya Saputra, Bambang T Tri Sari, Ida Yunita Septiana, Nani Shella Rintia Siti Khoiroh Sobri, Rian Mochammad Sri Retnaning Rahayu Sri Retnaning Rahayu, Sri Retnaning Sugiyarto Sugiyarto Suharto Suharto Suwarto Suwarto Suyanto Suyanto Suyanto Suyanto Theo, Ahmad Hadi Utami, Agustina Surya Wiraputra, Jhody Wuri, Sela Prela Yenca Tasya Vara Renca Zuhroh, Zerina Amalia