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All Journal EKSPANSI Jurnal Riset Akuntansi dan Keuangan JURIKOM (Jurnal Riset Komputer) Building of Informatics, Technology and Science Indonesian Journal of Economics and Management Journal of Applied Islamic Economics and Finance Jurnal Riset dan Inovasi Manajemen

Djoni Djatnika

Department Of Accounting, Politeknik Negeri Bandung

Author-ID : 3553780

Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering

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Analisis Pengaruh Pembiayaan Syariah dan Variabel Makro Ekonomi Terhadap Ekspor Indonesia (Studi Pada BUS Devisa dan LPEI) Rizky Rahmawati; Djoni Djatnika
Journal of Applied Islamic Economics and Finance Vol 1 No 1 (2020): Journal of Applied Islamic Economics and Finance (October 2020)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

This research aims to determine the effect of financing channeled by Foreign Exchange Islamic Bank, LPEI sharia financing, inflation and exchange rates simultaneously and partially on Indonesian exports in 2015 - 2019. The sampling technique in this research is purposive sampling method and used secondary data from Bank Indonesia, BPS, OJK and the financial statements of each bank. The research used quantitative method. Data analysis techniques used is multiple linear regression ordinary least Square (OLS) using software Eviews 9. The results of this research indicate that simultaneously the financing channeled by Foreign Exchange Islamic Bank, LPEI sharia financing, inflation and exchange rates have a significant effect on Indonesian exports. Partially the financing channeled by foreign exchange Islamic Bank and inflation does not affect on Indonesian exports. LPEI sharia financing and exchange rates has a significant positive effect on Indonesian exports.

Rancangan Konversi Kredit Konsumtif menjadi Akad Murabahah pada Koperasi Warga Cipta Mas 2 Fariza Bahari Fadliani; Djoni Djatnika; Kristianingsih Kristianingsih
Journal of Applied Islamic Economics and Finance Vol 1 No 2 (2021): Journal of Applied Islamic Economics and Finance (February 2021)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

The emergence of sharia cooperatives is the improvement of conventional cooperatives that are not in line with the sharia principles one of them is riba. The Sharia-economic spirit was also felt by members and managers of the Koperasi Warga Cipta Mas 2 located in Bandung Barat. The adjustment of this report primarily lies in the use of the agreement that must comply with the sharia principles that are stored in the postal gathering funds and the disbursement of funds. Adjustments are also made to the source of cooperative income that should not be derived from riba and the use of fines that should not be recognized as cooperative income. Then followed by the design of the Murabahah receivables that can be used when the Koperasi Warga Cipta Mas 2 has become a cooperative sharia. The selection of the agreement is based on the history of borrowing and the needs of members who are mostly loans for personal consumption. In this draft, the procedure was obtained for the application of Murabahah financing, installment financing, and handling problematic financing.

Ketahanan Bank Umum Syariah di Indonesia Terhadap Fluktuasi Makroekonomi dalam Negeri dan Suku Bunga Dana Federal Reserve Donna Sita Soraya Kristanti Jatmiko; Djoni Djatnika; Setiawan Setiawan
Journal of Applied Islamic Economics and Finance Vol 1 No 2 (2021): Journal of Applied Islamic Economics and Finance (February 2021)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

The development of banking in a country cannot be separated from internal and external factors that can influence it. The monetary crisis in 1998 and the global financial crisis in 2008 are some examples that show that the banking sector can be affected by the surrounding economic conditions, both from within and outside the country. The purpose of this study is to determine the resilience of Islamic commercial banks in Indonesia if there are shocks that occur in macroeconomics, in this case, namely inflation, exchange rates, Bank Indonesia benchmark interest rate (BI rate), SBIS yields (rSBIS) and Federal Reserve funds interest rates. (FFR). This study uses the Vector Autoregression (VAR) and Vector Error Correction Model (VECM) methods. The conclusion of this study is that Non-Performing Financing (NPF) and Return on Assets (ROA) in Islamic commercial banks in Indonesia tend to be more resistant to fluctuations that occur in domestic macroeconomics and FFR. The Capital Adequacy Ratio (CAR) is relatively stable in responding to a shock, while the Return on Equity (ROE) and Financing Deposit Ratio (FDR) have fluctuated in the long term in other words, they are more vulnerable to shocks and fluctuations that occur in domestic macroeconomic variables and FFR.

Rancang Bangun Aplikasi Sistem Informasi Lembaga Keuangan Mikro Syariah Berbasis Web Hasna Zakiyah Fadilah; Hasbi Assidiki Mauluddi; Djoni Djatnika
Journal of Applied Islamic Economics and Finance Vol 2 No 1 (2021): Journal of Applied Islamic Economics and Finance (October 2021)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

In the industrial revolution 4.0, efforts to use digital-based financial technology are very much needed with a form of encouragement to continue to innovate in digital financial services. However, with the large potential for the development of Sharia Cooperatives in Indonesia, there are still many who do not have a digital-based financial information system. It is not uncommon for sharia cooperative institutions to have problems in recording financial information systems such as data loss, inaccurate data and so on. For that we need a system that can record accurately and efficiently in order to assist Sharia Cooperatives in recording information systems and financial reports. This study aims to create a financial information system application and try it in the West Bandung Mutual Cooperation Sharia Cooperative in the hope that it will simplify the work and clarify the information system in the Sharia Micro Finance Institution, especially the Mutual Cooperation Sharia Cooperative. This study uses Research and Development (R&D) research methods with several stages consisting of field studies, problem formulation, research objectives setting, data collection & processing and data analysis. These four stages function to find out the shortcomings and things that the company needs. After that the research continued with system design in accordance with the information that had been obtained from the previous stage. Then after the system has been created, a trial is carried out with the black box testing technique with the results of the system running 100% as expected. After the trial, it enters the evaluation stage by distributing questionnaires with questions originating from the Technology Acceptance Model (TAM) analysis which will produce a descriptive analysis with the conclusion that the application designed is included in the very good category so that it is feasible to use.

Pengaruh Kinerja Keuangan Perusahaan dan Variabel Makroekonomi terhadap Harga Saham yang Terdaftar di Jakarta Islamic Index Dinar Intan Mustika; Djoni Djatnika; Setiawan Setiawan
Journal of Applied Islamic Economics and Finance Vol 2 No 2 (2022): Journal of Applied Islamic Economics and Finance (February 2022)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

This study aims to determine the effect of the company's financial performance including Debt to Equity Ratio,Return On Asset,Net Profit Margin, Earning Per Share and macroeconomic variables including GDP (Gross Domestic Income), Inflation, and BI Rate on share prices in companies listed on the Jakarta Islamic Index in 2016-2019. The type of data used is descriptive quantitative data. The sample of this study are 13 companies by using purposive sampling method. Furthermore, the data will be processed using descriptive analysis techniques and path analysis. The results of this study indicate that partially ROA, DER, and EPS have a significant positive effect on JII's stock price and NPM has no significant effect on JII's stock price. Meanwhile, the macroeconomic variable, namely GDP, Inflation, and BI Rate has no significant effect on JII's stock price.

Pengaruh CAR dan NPF terhadap Return on Aset dengan Pembiayaan Murabahah Sebagai Variabel Intervening di Bank Muamalat Rida Amalia; Diharpi Herli Setyowati; Djoni Djatnika
Journal of Applied Islamic Economics and Finance Vol 2 No 3 (2022): Journal of Applied Islamic Economics and Finance (June 2022)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

This study aims to determine the direct and indirect effect of Capital Adequacy Ratio and Non-Performing Financing on Return On Assets through Murabahah Financing as an intervening variable. The object of this research is Bank Muamalat Indonesia during the period 2009-2020. The data analysis technique used path analysis with the analysis tool SmartPLS software version 3.0. The data used is secondary data obtained from the quarterly published financial statements of Bank Muamalat for the period 2009-2020. The results of this study indicate the direct effect of CAR has a significant positive effect on Murabahah Financing, NPFt-1 has no effect on Murabahah Financing, CAR has no effect on ROA, NPFt-1 has a significant negative effect on ROA and Murabahah Financing has a significant negative effect on ROA, while the indirect effect it can be concluded that CAR has a significant negative effect on ROA and NPFt-1 has no effect on ROA through Murabahah Financing.

Pengaruh Surat Berharga Syariah Negara Dan Penyaluran Pembiayaan Terhadap Profitabilitas Bank Muna Aulia Rahma; Djoni Djatnika; Benny Barnas
Journal of Applied Islamic Economics and Finance Vol 2 No 1 (2021): Journal of Applied Islamic Economics and Finance (October 2021)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

This study aims to analyze the effect of investment ownership of Sovereign Sukuk (SBSN) and Financing Distribution on profitability which is proxied by Net Income Margin (NIM) at Bank Syariah Mandiri in the 2013-2020 periode. This research is associative because it aims to determine the influence and relations between two variables. The data used in this study are secondary data obtained from the quarterly financial reports of Bank Syariah Mandiri in the periode 2013-2020, data obtained from the Otoritas Jasa Keuangan (OJK) and other data related to the subject and object of research. This study uses multiple linear regression analysis method and the analytical tool used is SPSS version 25. The results show that simultaneously the variables of Sovereign Sukuk and Financing do not have a significant effect on Net Income Margin. Partially the SBSN variable does not have a significant effect on the NIM variable, as well as the Financing variable does not have a significant effect on the NIM variable.

Pengaruh Intellectual Capital terhadap Kinerja Keuangan Bank Umum Syariah Nadya Alia; Djoni Djatnika; Destian Arshad Darulmalshah Tamara
Journal of Applied Islamic Economics and Finance Vol 3 No 1 (2022): Journal of Applied Islamic Economics and Finance (October 2022)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v3i1.3779

This study aimss to determine the influence of Intellectual Capital on financial performance (ROA) in the Sharia commercial banking sector in Indonesia. The Independent variables used in this studi are Intellectual capital with the value added human capital, value added capital employed, and structural capital value added, with the control variable for size and leverage. The data type used is secondary data. The results show that Intellectual capital haa a significant negative effect on return on assets. Human capital has a significant positive effect on return on assets, capital employed has a significant negative effect on return on assets, structural capital has a significant positive effect on return on assets, and size has no significant effect on return on assets, leverage has a significant positive effect on return on assets. This study may be useful as an input for Islamic banking practitioners in the management of Intellectual capital in Islamic commercial banks in Indonesia.

Implikasi Kinerja Keuangan terhadap Tingkat Bagi Hasil Deposito Mudharabah dengan Profitabilitas sebagai Variabel Mediator: Studi pada Bank Umum Syariah Desi Siti Mariam; Djoni Djatnika; Banter Laksana; Lina Nur Ardila
Journal of Applied Islamic Economics and Finance Vol 3 No 1 (2022): Journal of Applied Islamic Economics and Finance (October 2022)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v3i1.3789

This research aims to determine the direct and indirect effects of financial performance on Islamic Commercial Banks such as NPF, FDR and BOPO to the level of profit sharing on mudharabah deposits through ROA as a mediator variable in Islamic Commercial Banks for the 2015-2020 period. The data analysis used are Path Analysis and Sobel Test. The research findings indicated that the direct influence of NPF, BOPO, ROA have a positive effect on the rate of profit sharing on mudharabah deposits, FDR had no effect on the rate of profit sharing on mudharabah deposits, NPF had a positive effect on ROA, FDR had no effect on ROA, and BOPO had a negative effect on ROA whilst the indirect effect showed that ROA can mediate NPF and BOPO on the rate of profit sharing on mudharabah deposits, and ROA cannot mediate FDR on the rate of profit sharing on mudharabah deposits

Analisis Perbandingan Profitabilitas Bank Syariah BUMN Sebelum dan Sesudah Merger Menjadi Bank Syariah Indonesia Anisa Nurjanah; Djoni Djatnika; Iwan Setiawan; Kristianingsih Kristianingsih
Journal of Applied Islamic Economics and Finance Vol 3 No 2 (2023): Journal of Applied Islamic Economics and Finance (February 2023)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v3i2.3801

This study is entitled Comparative Analysis of the Profitability of State-Owned Sharia Banks Before and After the Merger to Become a Bank Syariah Indonesia (BSI). The purpose of this study is to determine whether there is a difference in the profitability of the three BUMN Syariah Banks, namely BRI Syariah, BNI Syariah, and Bank Syariah Mandiri, 1 year before the merger, namely 2020 to 1 year after the merger, namely in 2021. The type of data used in this study is secondary data sourced from the financial statements of BRI Syariah, BNI Syariah, Bank Syariah Mandiri, and Bank Syariah Indonesia, with a quarterly timeline from 2020-2021. The method used in this study is the normality test and the different tests using the Independent Simple T-Test for normally distributed data and the Mann-Whitney U test for data not normally distributed. The results obtained from this study are that there is a difference in Gross Profit Margin between BRI Syariah, Bank Syariah Mandiri, and the average of the three state-owned Islamic banks 1 year before the merger and 1 year after the merger (when it has become a Bank Syariah Indonesia). At the same time, between BNI Syariah with Bank Syariah Indonesia, there is no difference. Likewise, with Net Profit Margin, there is a difference in Net Profit Margin between BRI Syariah, Bank Syariah Mandiri, and the average of the three state-owned Islamic banks 1 year before the merger and 1 year after the merger (when it has become a Bank Syariah Indonesia), while between BNI Syariah and There is no difference between Islamic Banks in Indonesia. Furthermore, there is no difference in Return on Assets and Return on Equity between BRI Syariah, BNI Syariah, Bank Syariah Mandiri, and the average of the three state-owned Islamic banks is 1 year before the merger with 1 year after the merger (when it has become a Bank Syariah Indonesia).

Co-Authors Anisa Nurjanah Ardila, Lina Nur Asep Junjunan Banter Laksana, Banter Barnas, Benny Cantik Wiradinda Suhud Carolina Magdalena Lasambouw Desi Siti Mariam Destian Arshad Darulmalshah Tamara Diharpi Herli Setyowati Dimas Sumitra Danisworo Dimas Sumitra Danisworo Dinar Intan Mustika Donna Sita Soraya Kristanti Jatmiko Farida Agoes Fariza Bahari Fadliani Fatmi Handiani Fauziah Salma Fitriana Dewi Novianti Novianti Hanna Arsyanti Hasbi Assidiki Mauluddi Hasna Zakiyah Fadilah Ilmani Ganis Adzillah Indah Wulandari Ira Husna Rachmasari Iwan Setiawan Kristianingsih Kristianingsih Linda Sri Mulyati Maisevli Harika Meilinda, Lina Mochamad Umar Mai Muhammad Dimas Prasetyo Muhammad Rizqi Sholahuddin Muna Aulia Rahma Nadya Alia Neneng Nuryati Novia Wandasari Pakpahan, Rosma Radia Purbayati Rida Amalia Rizky Rahmawati Salsabila Eka Sutrisna Setiadi Rachmat Setiawan Setiawan Shalsyabilla Kasandra Midfi Sudradjat Sudradjat Syania Nur Azizah Tripuspitorini, Fifi Afiyanti Ulfah Nurul Fauziah Zilkha Febriana Kusuma Prambudi

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