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Ali, Karnila
UNIVERSITAS MUHAMMADIYAH METRO
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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 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%).
Analisis Kinerja Keuangan Menggunakan Metode Economic Value Added (EVA) Dan Market Value Added (MVA) Pada Industri PT. Semen Indonesia (PERSERO) Tbk. Periode 2019-2021 Puji Lestari; Karnila Ali; Nina Lelawati
Jurnal Manajemen DIVERSIFIKASI Vol. 5 No. 2 (2025): Juni
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v5i2.4411

Abstract

The development of today's business world is increasingly dynamic and always changing, where every company is competing to improve the quality of the performance of each company, one of which is PT Semen Indonesia (Persero) Tbk. The company, in this case PT Semen Indonesia (Persero) Tbk, must be able to generate maximum profits and maximize shareholder wealth. There are many things that must be considered by the company to attract investors, one of which is showing good financial performance. While the measurement tools used to measure value-added-based financial performance are Economic Value Added (EVA) and Market Value Added (MVA). The design in this study uses a quantitative approach with descriptive statistical methods. The subject of this research is PT. Semen Indonesia (Persero) Tbk. Meanwhile, the object of this study is the income statement report for the 2019-2021 period. The data sources used in this study are primary and secondary, where the primary data is obtained from financial reports and secondary data from literature review, company profiles and company conditions and so on Based on Economic Value Added during 2019-2021, PT Semen Indonesia (Persero) Tbk has added economic value to the company. This is evidenced by the EVA method during 2019-2021 which achieved a positive value in accordance with EVA > 0 criteria set by PT Semen Indonesia (Persero) Tbk. Based on Market Value Added (MVA) at PT Semen Indonesia (Persero) Tbk for the 2019-2021 period, it has added market value in the company. This is evidenced by the MVA method during 2019-2021 which achieved a positive value according to the MVA criteria > 0 set by PT Semen Indonesia (Persero) Tbk
Analisis Kelayakan Investasi Pada Saham Perusahaan Manufaktur Sub Sektor Food And Bavarages Di Bursa Efek Indonesia (BEI) Pada Tahub 2019-2022 Wungu Muharomi; Nani Septiana; Karnila Ali; Faiz Dwi Nugroho
Jurnal Manajemen DIVERSIFIKASI Vol. 5 No. 1 (2025): Maret
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v5i1.4434

Abstract

Investors who invest in the capital market will find two problems, namely the rate of returnand the level of risk. The purpose of this study was to determine the eligibility level of sharesand the rate of return on shares and risk by using the CAPM method in determininginvestment decisions in shares of manufacturing companies in the Food and Beverages sub-sector which are listed on the Indonesia Stock Exchange (IDX) in 2019-2022. This study usesa descriptive quantitative approach to identify the feasibility of shares based on the level andreturn on investment. The sample in this study are food and beverage manufacturingcompanies listed on the IDX for 2019-2022. Data collection techniques using thedocumentation method and data analysis using the CAPM method. Based on the results of thefeasibility research on stock investment that has been carried out, in this study there werefour stocks that were declared eligible for the stock investment activities, namely ADES,CEKA, MYOR, and STTP. Meanwhile, six companies namely ALTO, ICBP, INDF, ROTI,SKBM, and ULTJ were declared unfit for investment activities. Individual stock returns (Ri)in companies from highest to lowest are ADES, STTP, MYOR, and CEKA. While thesystematic risk (β) from highest to lowest is ADES, CEKA, MYORand STTP
Analisis Kinerja Keuangan Dengan Menggunakan Metode MVA (Market Value Added) Pada PT. Bank Panin Dubai Syariah Nur Ayu Istiqomah; Karnila Ali; Febriyanto
Jurnal Manajemen DIVERSIFIKASI Vol. 5 No. 1 (2025): Maret
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v5i1.4439

Abstract

The development of today's This study aims to determine the financial performance of PT.Bank Panin Dubai Syariah using the Market Value Added (MVA) method. Based on theresults of Market Value Added (MVA) analysis at PT. Bank Panin Dubai Syariah for the last3 years, namely 2019-2021, has shown a pretty good increase, this proves that the companyis able to manage capital so that the profits generated increase. But in 2020 the companyexperienced a very significant decline. Then with the analysis of Market Value Added (MVA)at PT. Bank Panin Dubai Syariah in 2019-2020 has a good value which shows added valuefor the Company
Evaluasi Pengelolaan Keuangan Dana Desa Berdasarkan Permendagri Nomor 20 Tahun 2018 Di Desa Karang Sari Kecamatan Padang Ratu Lampung Tengah Karnila Ali; Ardiansyah Japlani; Selvi Wahyu Puspita
Jurnal Manajemen DIVERSIFIKASI Vol. 5 No. 4 (2025): Desember
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v5i4.5710

Abstract

This study aims to determine the suitability of financial management of village funds in Karang Sari Village by analyzing data based on the Regulation of the Minister of Home Affairs Number 20 of 2018 concerning Village Financial Management, namely at the planning, implementation, administration, reporting, and accountability stages. The object of this research is Karang Sari Village, Padang Ratu District, Central Lampung. This research is qualitative with a descriptive analysis approach using 16 informants consisting of village officials and 8 hamlet heads. The research subjects were determined using purposive sampling techniques and data collection techniques consisted of observation, interviews and documentation. The data analysis used was reduction, triagulation, data display, and conclusion. In general, the problems found are the lack of knowledge in the management of funds and the lack of quality of human resources, the lack of assistance and the quality of assistance and the lack of supervision carried out in the management of village funds so that there is a gap in discrepancies in the financial management of village funds. Based on data analysis, this study states that the financial management of village funds in Karang Sari Village is not technically in accordance with Permendagri Number 20 of 2018, namely at the accountability stage there is no information on the 2023 village fund budget realization report which is conveyed to the public through information media and several obstacles are found in its implementation.
Analisis Pengaruh Literasi Keuangan dan Financial Technology Terhadap Kinerja Keuangan Pada Usaha Mikro, Kecil, Menengah (UMKM) di Kota Metro Lampung Zalvira Aprilia Putri; 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.
Co-Authors Adelia Ananda Rizky Afdal Mazni Agustian, Didiek Wijaya Akbar Dwi Antono Alfandi, Ashari Mahendra Amelia, Shinta Anak Agung Gede Sugianthara Andina Pramesti Awalia Andriyani Dwi Puspitasari Angelica, Aulia Aprilawati, Niputu Irma 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 Feby Pratiwi Handayani FIKA MUDRIKAH Fitriani Fitriani Fitri Fitriani Fitriani Fitriani Fitriani Ganis Delvia Gustin Padwa Sari, Gustin Padwa I Gusti Bagus Wiksuana Jati Imantoro Jati Imantoro, Jati Jawoto Nusantoro Jawoto Nusantoro Lelawati, Nina M. Ihsan Dacholfany Maharani, Nur Muhammad Anif Afandi Muhammad Ihsan Dacholfany Mutiara Wika Azyaza Nadisa Aristia Putri Naelia Zaini Nani Septiana Nani Septiana Nasikah, Durotun Nedi Hendri Nina Lelawati Novita Ningsih Nur Ayu Istiqomah Nur Wahyu Ningsih Nuraini Nuraini Nurul Fitriani Oktaviani, Leni Oniesca Martha Prabowo, Bob Ardi Pradipta, Reyhan Singgih Puji Lestari Rahmah Dianti Putri Ramadani, Nafa Wulan Rangga Aditya Raniana, Vina Reza Gunarti Ria Dika Rahmawati Ridwansyah Ridwansyah Risnalamelan Agifirilarani Rizki Iza Maulana Rolia, Eva Rolia, Eva Rosid, Andiana Rosydalina Putri Sahputra, Bagus Surya Saputra, Bambang T Tri Sari, Ida Yunita Selvi Wahyu Puspita Septiana, Nani Shella Rintia Siti Khoiroh Sobri, Rian Mochammad Sri Retnaning Rahayu 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 Wungu Muharomi Wuri, Sela Prela Yenca Tasya Vara Renca Zalvira Aprilia Putri Zuhroh, Zerina Amalia