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All Journal JAM : Jurnal Aplikasi Manajemen J-MAS (Jurnal Manajemen dan Sains) International Journal of Supply Chain Management Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Develop Jurnal Development Journal of Social Responsibility Projects by Higher Education Forum ARRUS Journal of Social Sciences and Humanities ABDINE Jurnal Pengabdian Masyarakat Jurnal Pengabdian Masyarakat Waradin Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia Jurnal Riset Manajemen Indonesia Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS West Science Business and Management West Science Interdisciplinary Studies West Science Interdisciplinary Studies Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi West Science Islamic Studies International Journal of Economics and Management Sciences Jurnal Abdimas UM Jambi Proletarian : Community Service Development Journal 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 Bisnis Jurnal Ekonomi dan Manajemen
Ermaini Ermaini
Universitas Muhammadiyah Jambi
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Social Sciences Transportation Other

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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.
The Edukasi Konsep Kewirausahaan Sosial Berbasis Potensi Desa Melalui Badan Umum Milik Desa (BUMDES) Wella Sandria; Arniwita Arniwita; Siswoyo Siswoyo; Hario Tamtomo; Hetty Rohayani; Ermaini Ermaini
Journal of Social Responsibility Projects by Higher Education Forum Vol 6 No 3 (2026): March 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jrespro.v6i3.9757

Abstract

Village potential-based social entrepreneurship through Village-Owned Enterprises (BUMDes) represents a social business model that optimizes natural resources, cultural assets, and community capacities to address socio-economic issues while increasing Village Original Revenue (PADes). This community service activity was conducted in Muara Tembesi Subdistrict, Batanghari Regency, Jambi, Indonesia. The study aims to analyze the role of Village-Owned Enterprises (BUMDes) in village development and improving community welfare through a social entrepreneurship approach. There are 15 actively operating BUMDes distributed across 12 villages in Muara Tembesi, engaging in various types of business activities. Although these enterprises have achieved progress in managing their business units, they still face several challenges related to social entrepreneurship, including a lack of innovation in the creative economy for resource management, inadequate mapping of village potential, suboptimal utilization of village websites, and limited effectiveness in marketing and promotional channels. Based on these issues, the service team conducted field observations and provided technical assistance to BUMDes managers, carried out village potential mapping, and analyzed appropriate strategies for developing business units and creative economic activities within rural communities. The results of the mapping indicate that each village possesses distinct potentials; however, natural resource outputs are still predominantly concentrated in the agricultural and plantation sectors. Several strategies were proposed to address the challenges faced by BUMDes, including enhancing understanding of the importance of BUMDes for village development, providing training and mentoring in social entrepreneurship and small and medium enterprise management, increasing community awareness of village potential, and encouraging subdistrict and village officials to utilize BUMDes operational funds more effectively.
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 Novi Peramasari; 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.
Co-Authors A Arniwita Abd Halim Abd Halim Ade Irma Suryani Ade Irma Suryani Ade Irma Suryani AGESHA MARSYAF Agi Nanjar Agus Santoso Ahmad Soleh Amanda, Kiki Ardi Afrizal Arel Rutama ARI SETIAWAN Arman Syafa`at Armiwita, Armiwita Arniwita, Arniwita Arumingtyas, Fida Aulia Septia Ningrum Dani, Rian Daniel, Prima Audia Dewi, Lizabeth Sari Dharma, Bertia Arya Endah Tri Kurniasih Endah Tri Kurniasih Endang Fatmawati Faradilla Herlin Hamza, Amir Hario Tamtomo Hasan Basri Helmina Helmina Herdawati, Trie Hetty Rohayani i, safi Iqra Wiarta Iqra Wiarta Irmanelly, Irmanelly Ismanto, Widodo Istiqom Istiqom Jezzyca Ria Paramita Judijanto, Loso Kaswoto, Junet Kayla Risma Marfisya Kurniasih, Endah Tri Lizabeth Sari Dewi M Sabyan M. Sabyan Mohammad Ridwan Muhammad Ikhsan Munzir Munzir, Munzir musnaini musnaini Mustika Mustika Mustika Mustika Mustika Mustika Nanjar, Agi Nayla Desviona Nazaruddin Nazaruddin Niko Tala Buana Novi Peramasari Oka Ediansa Putra, Iwan Eka Rahayu, Yunie Rahmi Handayani Rahmi Handayani Ratih Rosita Ratih Rosita Rian Dani Rico Rifky Lana Rahardian Rifky Lana Rahardian Sabrina Sabrina Saputra, Mas Budi Siswoyo Siswoyo Sofyan Hadi Sri Wahyuni Sudarmanto, Eko Tamtomo, Hario Totok Hendarto Trie Hierdawati Trie Hierdawati Tsai, Chia Han Veronica, Deka Veronika, Deka Wahyu Hidayat Wella Sandria Wenny, Syilvia Wiarta, Iqra Wibowo, Teguh Setiawan Yawardo, Panji Nugraha Zahsyi, Muhammad Zul Fanji