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All Journal EL-MUHASABA El-QUDWAH El Dinar Jurnal Akuntansi Multiparadigma Tazkia Islamic Finance and Business Review Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Management and Economics Journal (MEC-J) MALIA JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Shirkah: Journal of Economics and Business Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam FINANSIA : Jurnal Akuntansi dan Perbankan Syariah International Journal of Economics Development Research (IJEDR) Jurnal Ecogen Journal of Islamic Economics and Finance Studies Unram Journal of Community Service (UJCS) Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Jurnal Perbankan Syariah Darussalam (JPSDa) Journal of Islamic Economics Lariba Moneter : Jurnal Keuangan dan Perbankan Maliki Islamic Economics Journal IIJSE JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Teumulong: Journal of Community Service Engagement: Jurnal Pengabdian Kepada Masyarakat International Journal of Economics, Business and Innovation Research Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah JPS (Jurnal Perbankan Syariah) eJEBA
Ulfi Kartika Oktaviana
Fakultas Ekonomi Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Social Sciences Other

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Kinerja Keuangan dan Manajemen Wakaf Sabilillah Malang Wahyu Kharismaputri; Ulfi Kartika Oktaviana
e-Journal Ekonomi Bisnis dan Akuntansi Vol. 7 No. 2 (2020): e-JEBA Volume 7 Nomor 2 Tahun 2020
Publisher : UPT Penerbitan Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ejeba.v7i2.19155

Abstract

Improving performance is critical in every organization including waqf institutions. Assessing performance can be useful to indicate whether they have been effective and efficient in managing waqf assets. In the context of non-profit organizations such as waqf institutions that aim to prosper the community still do not realize the importance of assessing performance. Waqf management is indispensable for the usefulness of waqf assets. Waqf will provide benefits for ummah if managed professionally. Nadzir is obliged to manage and develop waqf property in accordance with its purpose, function, and provision. This research uses qualitative methods with a deksriptif approach, which aims to know the financial performance and management of waqf in Sabilillah Mosque Malang. Data collection is done by means of interviews, observations, and library studies. The results showed that financial performance is quite good because it meets the criteria of the seven financial ratios. Waqf management in Sabilillah is also well organized according to their respective jobdisks. In waqf management in Sabilillah mosque use the principles of al-amin (siddiq, amanah, tabliq, and fathanah). nature of waqf property management has obstacles such as nadzir who are still passive in overseeing the management of waqf, but everything is implemented to the maximum extent possible and planned to give the same understanding to the waqf manager at Sabilillah mosque.
Improving the Competitiveness of Micro and Small Enterprises through Production Cost and Business Feasibility Training: Synergy between Academics and the Cooperatives Office Nihayatu Aslamatis Solekah; Ulfi Kartika Oktaviana; Safitri, Rini; Mardiana
Unram Journal of Community Service Vol. 6 No. 3 (2025): September
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i3.1143

Abstract

This community service program aims to improve MSMEs' understanding of calculating the cost of goods manufactured (HPP) and to analyze business feasibility. The focus is tailored to the needs of the target community. In the micro and small economic sector, Managerial and financial strengthening are often overlooked keys to increasing competitiveness. This activity was conducted face-to-face at the East Java Provincial Cooperatives Office using an interactive, simulation-based training approach and post-test evaluation. The results of the community service activity showed a significant increase in participants' understanding, demonstrated by their success in compiling cost of goods sold (COGS) calculation reports and analyzing business feasibility aspects. This activity represents the synergy between academics and the Cooperatives Office in fostering sustainable micro and small businesses.
Modeling technology and profitability as moderators of competition, efficiency, and risk in Islamic bank stability Oktaviana, Ulfi Kartika; Miranti, Titis
Journal of Islamic Economics Lariba Vol. 11 No. 2 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol11.iss2.art15

Abstract

IntroductionIslamic commercial banks in Southeast Asia are facing growing challenges as competition intensifies and digital transformation accelerates. Stability has become a central concern, particularly in Indonesia and Malaysia where Islamic finance holds significant market share. While prior studies highlight competition, efficiency, credit risk, and liquidity risk as determinants of financial stability, the moderating influence of technology adoption and profitability has been less explored.ObjectivesThis study investigates the effects of competition, efficiency, credit risk, and liquidity risk on the stability of Islamic commercial banks in Indonesia and Malaysia. It further examines how technology and profitability moderate these relationships, offering a comprehensive understanding of their role in shaping bank resilience.MethodThe research employed a quantitative approach using panel data from 14 Islamic commercial banks between 2010 and 2022. Bank stability was measured with the Z-Score, competition with the Lerner Index, efficiency with operating costs, and credit and liquidity risks with respective ratios. Technology was proxied by non-interest expenditures, while profitability was measured by return on assets. The analysis applied the generalized method of moments to address endogeneity and ensure robust estimates.ResultsThe findings reveal that competition enhances bank stability, while credit and liquidity risks undermine it. Efficiency does not significantly affect stability. Technology exerts a dual effect: it improves stability directly but weakens the stabilizing influence of competition and heightens vulnerabilities linked to liquidity risk. Similarly, profitability supports stability under moderate risk-taking but magnifies the negative effects of excessive credit and liquidity risks. Bank size strengthens stability, whereas bank age is associated with greater fragility.ImplicationsThese results highlight that technology and profitability are double-edged factors: they can either reinforce or erode financial stability depending on how banks align them with risk management practices. Regulators and managers must ensure that digitalization and profit strategies are embedded within disciplined governance frameworks to prevent systemic vulnerabilities.Originality/NoveltyThis study contributes to the Islamic banking literature by introducing technology and profitability as moderators in the stability model, using a cross-country dataset and advanced estimation techniques. It offers new insights for policymakers and practitioners on balancing growth, digitalization, and risk control in sustaining the resilience of Islamic commercial banks.
The Influence of Customer Perceptions, Service Features, and Security on Mobile Banking Customer Satisfaction at Indonesian Sharia Banks in Malang City Iriawan, Muhammad Rafi; Oktaviana, Ulfi Kartika
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7300

Abstract

This study aims to analyze the influence of customer perception, service features, and security on mobile banking customer satisfaction at Bank Syariah Indonesia in Malang City. Along with the increasing use of digital banking services, understanding the factors that affect customer satisfaction is important for banks to improve service quality. This study uses a quantitative approach with multiple linear regression analysis methods. Data was collected through the distribution of questionnaires to Bank Syariah Indonesia mobile banking users in Malang City. The results of the analysis show that customer perception, service features, and security affect customer satisfaction. A good perception of the bank's services increases customer trust and convenience, complete and easy-to-use service features contribute to a better user experience, while guaranteed security is a key factor in maintaining customer loyalty. The results of this research can be a reference for Bank Syariah Indonesia in improving mobile banking services by paying attention to customer perception aspects, developing more innovative features, and improving security systems. This research can also be a reference for future research related to the satisfaction of users of digital banking services.
Analysis of the Effects of Green Banking, Capital Adequacy Ratio on Profitability Growth with Institutional Ownership as a Moderating Variable Rahmat, Ainul Yaqin Rahmat Daeng Marakka; Ulfi Kartika Oktaviana
MALIA: Jurnal Ekonomi Islam Vol 14 No 2 (2023)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v14i2.3889

Abstract

The goal of this study is to examine a number of variables that can affect profitability growth, such as institutional ownership as a moderating component, green banking, and capital sufficiency. The study is a quantitative one that gathers secondary data from 11 Indonesian public Sharia banks' financial reports for the years 2018 to 2022. Panel data regression analysis is the method employed, and Excel and Eviews 12 are used as test tools. The study's findings indicate that all free variables have a limited interdependence. Modernizations like institutional ownership and green banking have no detrimental effects on profitability growth. The accessibility of capital and the institutional ownership that modernizes it have a profoundly positive impact on profitability growth.
Stress Test of BPRS and BUS Capital for the 2014-2022 Period Using the ECL Approach Nisa', Isma Mufidatun; Oktaviana, Ulfi Kartika
Jurnal Ecogen Vol 7, No 2 (2024): Jurnal Ecogen
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jmpe.v7i2.15823

Abstract

The operation of BUS and BPRS cannot be separated from the risks experienced, one of which is capital risk. The capital stress test used to calculate the capital adequacy of BUS and BPRS is the calculation of Expected Credit Loss (expected loan loss). ECL is the result of multiplying PD, LGD, and EAD. This study aims to determine the assessment and differences in capital stress tests using the ECL approach in BUS and BPRS. This research uses a descriptive quantitative approach. The method used is purposive sampling. The samples of this study were 12 BUS and 3 BPRS. The data used is secondary data in the form of annual financial reports taken from the official websites of BUS and BPRS for 2014-2022. The results of this study indicate that the assessment of the capital stress test using the ECL approach on BUS is classified as stage 1 (performing), and BPRS is classified as stage 2 (under-performing). A significant difference was found between BUS and BPRS.
Faktor-Faktor Penentu Nilai Perusahaan Pada Bank Umum Syariah di Indonesia Periode 2016-2020 Anggreini, Gita Melliyani; Oktaviana, Ulfi Kartika
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v8i2.3723

Abstract

This study aims to confirm whether internal factors are correlated to the firm value of Islamic commercial banks (BUS) in Indonesia, both partially and simultaneously. The Economic Value Added (EVA) method was adapted to measure firm value in the 2016-2020 period. The sample studied amounted to 11 BUS. The results of the study partially show that Operational Costs on Operating Income, Company Size, and Company Growth have a significant effect on the company value of Islamic commercial banks in Indonesia. On the other hand, Capital Adequacy Ratio, Non Performing Financing, Debt to Equity Ratio, Return on Assets, Operating Costs to Operating Income, Company Size, Company Growth and Institutional Ownership simultaneously affect the value of Islamic commercial banks in Indonesia. The variables of Capital Adequacy Ratio, Non Performing Financing, Debt to Equity Ratio, Return on Assets, Operational Costs to Operating Income, Company Size, Company Growth and Institutional Ownership are able to explain the influence of 46.9% on the value of Islamic commercial banks. While the remaining 53.1% is explained by the independent variables that are not examined.
PERAN PELATIHAN PEMEDIASI DALAM PERSEPSI KEMUDAHAN DAN MANFAAT TRANSAKSI E-WALLET TERHADAP PENDAPATAN USAHA MIKRO Hasibuan, Lempang; Supriyanto, Achmad Sani; Rahayu, Yayuk Sri; Abdani, Fadlil; Oktaviana, Ulfi Kartika
JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Vol 11, No 1 (2025): Vol 11, No. 1 (2025)
Publisher : Universitas Pakuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34203/jimfe.v11i1.11422

Abstract

ABSTRAKTujuan dari penelitian ini adalah untuk menguji pengaruh persepsi kemudahan, persepsi manfaat terhadap pendapatan usaha mikro di Kota Malang serta menguji apakah pelatihan dapat memediasi pengaruh persepsi kemudahan dan manfaat terhadap pendapatan usaha mikro di Kota Malang. Sampel usaha mikro sebanyak 200 usaha mikro dan sampel konsumen sebanyak 108 responden yang dipilih menggunakan teknik probability sampling. Data dikumpulkan melalui kuesioner. Analisis data menggunakan partial least square (PLS). Hasil penelitian ini yaitu persepsi kemudahan tidak berpengaruh terhadap pendapatan usaha mikro; persepsi manfaat berpengaruh terhadap pendapatan usaha mikro; dan pelatihan dapat memediasi pengaruh persepsi kemudahan dan manfaat terhadap pendapatan usaha mikro. Hal ini menunjukkan walaupun aspek kemudahan penggunaan teknologi/digital tidak mempengaruhi pendapatan, namun pemerintah atau pendamping usaha mikro tetap lebih gencar menyampaikan bukti nyata manfaat adopsi teknologi/digital, seperti efisiensi biaya atau perluasan pasar. Selain itu, untuk pelatihan tidak hanya sekadar pengenalan teknologi, tetapi harus menekankan pada implementasi praktis yang berdampak pada pendapatan.ABSTRACTThe purpose of this study was to examine the influence of perceived ease, perceived benefits on micro-enterprise income in Malang City and to examine whether training can mediate the influence of perceived ease and benefits on micro-enterprise income in Malang City. A sample of 200 micro-enterprises and a sample of 108 consumers were selected using probability sampling techniques. Data were collected through questionnaires. Data analysis used Partial Least Square (PLS). The results of this study are that perceived ease has no effect on micro-enterprise income; perceived benefits have an effect on micro-enterprise income; and training can mediate the influence of perceived ease and benefits on micro-enterprise income. This shows that although the aspect of ease of use of technology/digital does not affect income, the government or micro-enterprise assistants are still more active in conveying real evidence of the benefits of adopting technology/digital, such as cost efficiency or market expansion. In addition, training is not just an introduction to technology, but must emphasize practical implementation that has an impact on income.
The Determinants of Financial Stability of Islamic Banks in ASEAN Wasilatur Rohimah; Oktaviana, Ulfi Kartika
Journal of Islamic Economics and Finance Studies Vol 5 No 1 (2024): JIEFeS, June 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v5i1.7383

Abstract

Financial stability is one of the drivers of economic growth, while Islamic banking currently dominates in global economic competition compared to other Islamic finance industry. Therefore, it is necessary to investigate the aspects that can affect the financial stability of Islamic banks. The purpose of this study is to analyze how capital structure, profitability, efficiency, and technology affect the financial stability (Z-Score) of Islamic banks in the ASEAN region. The study employs a panel data regretion. It utilizes documentation techniques such as the financial reports of each bank and other publicly available data. Sample selection is done through purposive sampling, resulting in a sample of 19 Islamic banks in ASEAN. The research concludes that capital structure significantly and positively influences stability, while efficiency has no impact on stability, and the financial soundness of ASEAN's Islamic banks is significantly impacted negatively by technology and profitability. Based on the findings of this research, the Islamic banks are required to pay more attention to the management of funds obtained from profitability as well as fund management for technology needs so as not to affect the financial stability of Islamic banks in ASEAN.
EFFICIENCY OF BPRS IN INDONESIA USING TWO STAGES METHOD - DATA ENVELOPMENT ANALYSIS (DEA) Ratih Nur Cahyati; Ulfi Kartika Oktaviana
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 8 No 2 (2025): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v8i2.10179

Abstract

The efficiency of BPRS in Indonesia is very important in supporting MSMEs, but the performance of BPRS is often constrained by internal financial conditions and external economic factors, raising concerns about its level of efficiency. This study aims to examine the efficiency of BPRS in Indonesia and the factors that influence it. This study uses a quantitative method with a Two-Stage DEA approach and time series data sourced from financial reports for the period 2014 to 2023. The first-stage analysis shows that BPRS in Indonesia is still in an inefficient condition. In the second stage, the Tobit regression results indicate that ROA, FDR, and NPF significantly affect the efficiency of BPRS in Indonesia, while CAR and BI Rate do not have a significant impact. These findings emphasize the importance of BPRS in improving asset management and risk control to enhance efficiency and strengthen its role in supporting the Islamic financial system.
Co-Authors Achmad Sani Achmad Sani Supriyanto Admaja, Fitroh Marga Mila Aria Ahmad Tibrizi Soni Wicaksono Angelica, Zahwa Anggreini, Gita Melliyani Anisa Nur Alfiatul Choiriyah, Siti Nur Fadlil Abdani Fathani, Nurul Fathani Fitriawati, Deva Ayu Gita Melliyani Anggreini Hasibuan, Lempang Hikmah, Liatul Iriawan, Muhammad Rafi Ismawati Khofifah Ayu Virnanda Lestari, Iin Fitri Lotus Mega Fortrania, Lotus Mega MARDIANA MUHAJIR NANI HANIFAH Nanik Wahyuni ‎ Nihayatu Aslamatis Solekah Nisa', Isma Mufidatun Norma Hanifah Rosydah Nova, Reni Sagita Nuzulul Nasoihul Ibad Pratama, Mohammad Aditya Putra, Satrio Fajar Rahmat, Ainul Yaqin Rahmat Daeng Marakka Ratih Nur Cahyati Rini Safitri Rosman, Romzie Sania Nabillah Sanurdi Satrio Fajar Putra Sulistyowati Titis Miranti Titis Miranti, Titis Vivin Maharani Ekowati Wahyu Kharismaputri Wasilatur Rohimah Wicaksono, Ahmad Tibrizi Soni Yayuk Sri Rahayu Yulistina Wulandari