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All Journal J-MAS (Jurnal Manajemen dan Sains) Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Development ARRUS Journal of Social Sciences and Humanities Jurnal Pengabdian Masyarakat Waradin Jurnal Riset Manajemen Indonesia Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS West Science Interdisciplinary Studies Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi International Journal of Economics and Management Sciences Jurnal Abdimas UM Jambi International Journal of Innovation Research in Education, Technology and Management (IJIRETM) Global Management: International Journal of Management Science and Entrepreneurship Konstanta : Jurnal Matematika dan Ilmu Pengelatuan Alam NAAFI: JURNAL ILMIAH MAHASISWA Jurnal Ekonomi dan Manajemen
Ermaini Ermaini
Universitas Muhammadiyah Jambi
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Immunology & microbiology Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Analisis Stabilitas Bank Jambi Setelah Pandemi Covid 19 Niko Tala Buana; Ermaini Ermaini; Hario Tamtomo
Jurnal Ekonomi dan Manajemen Vol. 1 No. 01 (2025): ISSUE DESEMBER
Publisher : PT. Mifandi Mandiri Digital

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Abstract

Tujuan penelitian yaitu untuk mengetahui dan menganalisis stabilitas bank Jambi setelah pandemi covid 19 dengan mengunakan rujukan nilai Z-Score yang menjadi indicator dalam penilaian stabilitas bank. Semakin rendah nilai Z-Score menunjukan bank dalam keadaan keuangan yang tidak stabil dan sebaliknya semakin tinggi nilai Z-Score menunjukan bahwa bank dalam keadaan yang stabil dan tidak berpotensi bangkrut. Metode analisis dalam penelitian ini yaitu deskriptif kuantitatif dengan data sekunder yang bersumber pada laporan tahunan dengan objek penelitian yaitu bank Jambi periode 2021 – 2024. Hasil penelitian menunjukan bahwa stabilitas bank jambi setelah pandemi covid 19 menunjukan nilai yang rendah dan dapat diartikan bahwa bank jambi memiliki kinerja keuangan yang stabil.
Penggunaan G-Score dalam Memprediksi Potensi Financial Distress pada Bank Jambi Setelah Pandemi Covid 19 Istiqom Istiqom; Ermaini Ermaini; Ade Irma Suryani
Jurnal Ekonomi dan Manajemen Vol. 1 No. 01 (2025): ISSUE DESEMBER
Publisher : PT. Mifandi Mandiri Digital

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Abstract

Penelitian ini bertujuan untuk memprediksi potensi kebangkrutan pada bank daerah dengan objek penelitiannya yaitu bank Jambi. Penelitian ini akan memberikan Gambaran terkait potensi financial distress dengan menggunakan pendekatan metode Grover yaitu dengan nilai G-Score. Metode penelitian yaitu deskriptif kuantitatif dengan data sekunder yang bersumber pada laporan tahunan bank Jambi periode 2020- 2024. Hasil penelitian menunjukan bahwa selama periode 2021 – 2020 tidak terjadi potensi kebangkrutan diman nilai G-Score ≥ 0.01.
Blockchain-Enabled Digital Payment Systems and Their Impact on Financial Inclusion: A Computational Economic Analysis Review Ermaini; A Arniwita; Rahmi Handayani
ARRUS Journal of Social Sciences and Humanities Vol. 6 No. 2 (2026)
Publisher : PT ARRUS Intelektual Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/soshum4751

Abstract

Digital payment methods have changed and prospects for financial inclusion have increased due to the quick advancement of financial technology. However, obstacles like high transaction costs, inadequate financial infrastructure, and dependence on centralized middlemen continue to plague many emerging nations. Blockchain technology provides a secure, decentralized payment system that can increase transaction accessibility and efficiency. This study uses a computational economic approach to investigate how blockchain-enabled digital payment systems affect financial inclusion. The study uses machine learning models, such as Random Forest, Gradient Boosting, Support Vector Machine, and Neural Networks, to examine the connection between financial inclusion metrics, digital payment efficiency, and blockchain adoption. The findings demonstrate that blockchain-based payment systems greatly enhance transaction efficiency, lower transaction costs, and boost the use of digital payments. Higher levels of financial inclusion and accessibility are a result of these advancements. The results show how crucial blockchain infrastructure is to fostering inclusive digital financial ecosystems and offer policy recommendations for developing nations looking to improve their digital financial inclusion initiatives.
Model Pengembangan Kewirausahaan Berbasis Inovasi di Kota Jambi Peramasari, Novi; Ermaini, Ermaini
J-MAS (Jurnal Manajemen dan Sains) Vol 11, No 1 (2026): April
Publisher : Universitas Batanghari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jmas.v11i1.2405

Abstract

Entrepreneurship is a crucial factor in regional economic development. Micro, Small, and Medium Enterprises (MSMEs) in Jambi City possess significant potential; however, they still face limitations, particularly in terms of innovation capacity. In the digital era, innovation has become a key driver in enhancing business competitiveness and sustainability. The main challenges encountered include the low capacity of human resources, limited access to technology, and a weak supporting ecosystem. These constraints hinder MSMEs from optimizing their performance and adapting to rapidly changing market dynamics. Therefore, this study aims to develop an innovation-based entrepreneurship model that can effectively improve the performance of MSMEs.
PENGARUH NON-PERFORMING FINANCING (NPF) TERHADAP RETURN ON ASSETS (ROA) PADA BANK MUAMALAT DI INDONESIA Hamza, Amir; Ermaini; Suryani, Ade Irma
Jurnal Development Vol. 13 No. 2 (2025): Jurnal Development
Publisher : Universitas Muhammadiyah Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53978/jd.v13i2.704

Abstract

This study aims to analyze the relationship between Non-Performing Financing (NPF) and Return on Assets (ROA) in Islamic banking institutions, focusing on Bank Muamalat Indonesia from 2007 to 2024. Using a quantitative approach and simple linear regression analysis, secondary data were collected from the bank's annual reports. The results indicate that although NPF theoretically influences ROA negatively, the statistical test showed no significant relationship between the two variables (p-value = 0.204, R2 = 9.87%). This implies that only a small proportion of ROA variation is explained by NPF, while other factors may have greater impact on profitability. The findings highlight a phenomenological gap between theory and empirical evidence, suggesting that NPF alone does not sufficiently determine the financial performance of Bank Muamalat. Therefore, it is recommended that future studies incorporate other variables and consider using nonlinear or more complex models to gain deeper insights into factors influencing bank profitability.
Co-Authors Abd Halim Abd Halim Ade Irma Suryani Ade Irma Suryani Ade Irma Suryani AGESHA MARSYAF Agi Nanjar Agus Santoso Arel Rutama ARI SETIAWAN Arman Syafa`at Arniwita, Arniwita Aulia Septia Ningrum Dharma, Bertia Arya Endah Tri Kurniasih Endah Tri Kurniasih Faradilla Herlin Hamza, Amir Hario Tamtomo Helmina Helmina Hetty Rohayani i, safi Iqra Wiarta Iqra Wiarta Irmanelly, Irmanelly Istiqom Istiqom Jezzyca Ria Paramita Kayla Risma Marfisya Lizabeth Sari Dewi M Sabyan M. Sabyan Muhammad Ikhsan Mustika Mustika Mustika Mustika Mustika Mustika Nayla Desviona Nazaruddin Nazaruddin Niko Tala Buana Oka Ediansa Peramasari, Novi Putra, Iwan Eka Rahmi Handayani Rahmi Handayani Ratih Rosita Rian Dani Rifky Lana Rahardian Sabrina Sabrina Sri Wahyuni Tamtomo, Hario Trie Hierdawati Trie Hierdawati Yawardo, Panji Nugraha Zul Fanji