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The Effect of Capital Adequacy Ratio, non Performing Financing, and Financing to Deposit Ratio on Returns for Deposit Results of Sharia Commercial Banks Rudy Irwansyah; Syahrijal Hidayat
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 3 (2021): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i3.2245

This study aims to see the effect of CAR, NPF, and FDR on the return for the results of mudharabah deposits at Islamic Commercial Banks either simultaneously or partially. The data used in this study are the quarterly financial reports for the period March 2016 to December 2020. The method of analysis used in this study is the method of multiple linear regression analysis using the SPSS 18 program. The F test is used to test the effect of the independent variables, namely CAR, NPF, and FDR on the dependent variable, namely the return on the profit sharing of mudharabah deposits. The t test is performed to test the effect of the CAR, NPF, and FDR variables on the partial return on the return on mudharabah deposits. The significance level used is 5%. The results showed that simultaneously there was an effect between CAR, NPF, and FDR on the Return for Profit Sharing on Mudharabah Time Deposits of 0,802. While partially all 3 independent variables (CAR, NPF, and FDR) also have a significant effect on Return on Time Deposit.

The Effect of Total Third Party Fund and Number of Offices on Sharia Commercial Bank Financing Supiah Ningsih; Rudy Irwansyah
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 3 (2021): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i3.2234

This study aims to determine whether there is a significant influence between the amount of third party funds and the number of offices on Islamic Commercial Bank financing, and how much effect between the amount of third party funds on Islamic Commercial Bank financing and between the number of offices on Islamic Commercial Bank financing. The research design used is a quantitative research design using multiple linear regression analysis techniques supported by classical assumption tests and hypothesis testing with the help of the SPSS version 19 program. The samples of this study are the amount of third party funds, number of offices, and financing of Islamic Commercial Banks from January 2018 to December 2020. The results showed that simultaneously or simultaneously the amount of third party funds and the number of offices had a significant and positive effect on Islamic Commercial Bank financing based on the F test where Fcount > Ftable (265,455 > 3,28), while the significant level was 0,000 < 0,05. Partially, the factors that significantly effect the financing of Islamic Commercial Banks are the factor of the amount of third party funds where tcount > ttable (16,821 > 2,032) and the significance is 0,000 < 0,05. While the variable number of offices has a significance of 0,114 > 0,05, and the value of t count < ttable (-1,625 < 2,032). This means that the variable number of offices does not have a significant effect on Islamic Commercial Bank financing. Variations in factors that affect the financing of Islamic Commercial Banks are explained by the independent variables, the amount of third party funds and the number of offices which together explain the effect of 94,1%. While the remaining 5,9% is explained by other variables not examined in this study.

The Role of the Creative Economy in Driving Local Economic Growth in the Digital Era Hasirah; Siti Aisyah; Nurjanna Ladjin; Rudy Irwansyah; M Alit Suryawan
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1781

The creative economy has become a key foundation for sustainable economic development worldwide, combining culture, creativity, and technology to drive innovation and growth. In Indonesia, this sector has gained significant momentum, contributing substantially to the country's Gross Domestic Product (GDP), creating job opportunities, and enhancing cultural preservation. This study employed a library research method, a data collection approach that involved reviewing various written sources, including scientific journals, books, official reports, and online articles, all of which were relevant to the topic discussed. This method was used to gain a deep understanding of the creative economy's role in driving local economic growth in the digital era. The study found that the creative economy plays a strategic role in driving local economic growth, particularly in the digital era, which opens up various opportunities through the use of technology. Digital transformation enables creative entrepreneurs to reach broader markets, enhance competitiveness, and promote local cultural identity through products rooted in creativity and innovation. This sector's contribution to the national economy is becoming increasingly significant, particularly for MSMEs that can effectively adapt to digital platforms. However, its development still faces challenges, including limited internet access, low digital literacy, and capital constraints. Therefore, a collaborative strategy is needed between the government, the private sector, and the community through digital skills training, infrastructure improvements, and providing access to financing.

Pelatihan Kewirausahaan Berbasis Potensi Lokal Untuk Meningkatkan Ekonomi Kreatif Masyarakat Desa: Penelitian Umi Rahmawati; Annisa Nugraheni Afridhianika; Purwaka Hari Prihanto; Mulyadi; Rudy Irwansyah
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 2 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 2 (October 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i2.3323

This local potential-based entrepreneurship training aims to improve the creative economy of rural communities. The program's implementation includes preparation, identification of local potential, participant recruitment, training, mentoring, networking and marketing, and evaluation and monitoring. The results demonstrate that local potential-based entrepreneurship training has proven effective in increasing the knowledge, skills, and entrepreneurial attitudes of rural communities. Furthermore, the training successfully created high-value superior products, enhanced participants' digital marketing skills, expanded market access, and encouraged the formation of Joint Business Groups (KUB) as a platform for economic collaboration. Overall, this program significantly contributes to strengthening the village creative economy through innovation, digitalization, and a spirit of community mutual cooperation.

The Influence of Live Streamer Interaction on Purchase Intention with Brand Love as a Moderating Variable Anshar Daud; Syarifuddin; Erry Donneli; Wahid; Rudy Irwansyah
Reslaj: Religion Education Social Laa Roiba Journal Vol. 6 No. 4 (2024): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i4.1902

Researchers also believe that Live Streaming-Interaction on TikTok can increase purchasing decisions because more and more people know about brand types, brand quality, brand suitability, brand identity, and so on. Therefore, this research aims to analyze the influence of Live-Streamer Interaction on Purchasing Decisions. Different from previous research, this research adds the Brand Love variable as a moderating variable. This research is quantitative research with an explanatory approach. The data used in this research was obtained from distributing online questionnaires to 350 TikTok shop sellers and buyers on certain dates. These data can be called primary data. These data were analyzed using the smart PLS 4.0 analysis tool. The result in this article show the Live-Streaming Interaction variable can have a positive relationship and a significant influence on purchasing decisions because the P-Values value is positive and is below the significance level of 0.05, namely 0.004. Otherwise, the Brand Love variable can moderate the influence of the Live-Streamer Interaction variable on the Purchase Decision variable because the P-Values results show a positive direction and are below 0.05. Thus the first and second hypotheses in this research can be proven and accepted.

The Effect of Institutional Ownership on Financial Performance With Intellectual Capital as A Moderating Variable Retnawati Siregar; Nadiya Yunan; Rudy Irwansyah; Deri Apriadi; Made Susilawati
Reslaj: Religion Education Social Laa Roiba Journal Vol. 6 No. 4 (2024): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i4.2013

Researchers believe that Institutional Ownership can have a positive relationship and a significant influence on a company's Financial Performance because more and more companies, government institutions, and so on as external parties owning shares in a company can increase the value of the company and ultimately have a good impact on Financial Performance. Therefore, this research aims to analyze the influence of institutional ownership on financial performance. Different from a number of previous studies, this research adds the Intellectual Capital variable as a moderating variable. This research is quantitative research with an explanatory approach. The data used in this research is secondary data that researchers obtained from PT's financial reports. Gudang Garam is spread throughout Indonesia. These data were analyzed using the smart PLS 4.0 analysis tool. The result in this article show the Institutional Ownership variable has a positive relationship and a significant influence on the Financial Performance variable because the p-values are below the significance level of 0.042. Apart from that, the Intellectual Capital variable can moderate the influence of the Institutional Ownership variable because the P-Values are also below the 0.05 significance level, namely 0.005. Thus the first and second hypotheses in this research can be accepted.

Analisis Strategi Promosi Media Sosial Terhadap Keputusan Mahasiswa dalam Memilih Institusi Pendidikan Tinggi Eka Hendrayani; Rudy Irwansyah; Hadiansyah Ma'sum; Olivia Tahalele; Zunan Setiawan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i7.4304

Social media promotion strategies have become an important foundation for young people in making college decisions. Education is the main pillar in community development. However, with increasing competition between universities, both state and private, new challenges have emerged. Universities must continue to improve their quality in order to remain relevant and competitive in the increasingly tight education market. This study aims to determine the effect of social media promotion strategy analysis on students' decisions in choosing higher education institutions. The research method used in this study is a quantitative descriptive method. The study was conducted at 5 universities in Indonesia with a student population of 100 respondents. The results of this study found that social media promotion strategies on students' decisions in choosing higher education institutions.

Analisis Penerapan Digital Marketing sebagai Strategi Pemasaran UMKM Eva Yuniarti Utami; Kartika Sari; Eva Desembrianita; Basnendar Herry Prilosadoso; Rudy Irwansyah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 2 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i2.7140

Marketing strategy for MSMEs (Micro, Small, and Medium Enterprises) is a plan designed to promote and sell products or services offered by MSMEs. This study aims to analyze the application of digital marketing as a marketing strategy for MSMEs. This research method uses qualitative techniques, which can be applied in journals that consider the application of digital marketing as a marketing strategy for Micro, Small, and Medium Enterprises (MSMEs) can include a case study approach. The data used in this study are interview data, as well as internal documents such as sales reports and operational changes, which can provide a deep understanding of the real impact of digital marketing on MSME operations and competitiveness. The results of the study found that digital marketing strategies for MSMEs (Micro, Small, and Medium Enterprises) are very important for increasing visibility, expanding reach, and attracting new customers. By implementing this digital marketing strategy, MSMEs can more easily develop their business, reach a wider audience, and increase sales effectively. The key is consistency and a deep understanding of the target market you want to reach.

Analisis Strategi Promosi Media Sosial Terhadap Keputusan Mahasiswa dalam Memilih Institusi Pendidikan Tinggi Eka Hendrayani; Rudy Irwansyah; Hadiansyah Ma'sum; Olivia Tahalele; Zunan Setiawan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i7.4304

Social media promotion strategies have become an important foundation for young people in making college decisions. Education is the main pillar in community development. However, with increasing competition between universities, both state and private, new challenges have emerged. Universities must continue to improve their quality in order to remain relevant and competitive in the increasingly tight education market. This study aims to determine the effect of social media promotion strategy analysis on students' decisions in choosing higher education institutions. The research method used in this study is a quantitative descriptive method. The study was conducted at 5 universities in Indonesia with a student population of 100 respondents. The results of this study found that social media promotion strategies on students' decisions in choosing higher education institutions.

Shopping Lifestyle As A Moderating Variable Of The Influence Of Hedonic Shopping Value On Impulse Buying Sulistyo Budi Utomo; Rudy Irwansyah; Asriany; Dikky Mooy; Risca Kurnia Sari
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8557

This study aims to analyze and test the role of Shoppng Lifestyle variables as moderating variables in strengthening or weakening the influence of Hedonic Shopping Value (HSV) on Impulsive Buying (IB). Impulsive buying is a consumer behavior phenomenon characterized by lack of planning, quick decisions, and strong emotional drives, which often have significant financial consequences, especially in the context of e-commerce and stimulation-rich retail environments. Previous research has confirmed that hedonic value, namely the aspects of pleasure, excitement, and fantasy obtained from the shopping process, is a strong predictor of impulsive tendencies . However, the magnitude of this influence is believed not to be universal, but rather depends on the individual context, one of which is the internalized consumption pattern, namely shopping lifestyle. This study adopts the StimulusOrganismResponse (S-O-R) framework, where HSV serves as an internal stimulus (O) that triggers an impulsive buying response (R), and this interaction is moderated by shopping lifestyle. This study employed a quantitative design with a survey of active online shoppers in Indonesia. The target population was individuals with moderate to high levels of hedonic consumption. The analytical technique used was Moderated Regression Analysis (MRA) to test the moderation hypothesis. It is hoped that the findings of this study will provide theoretical contributions by validating shopppng lifestyle as an important contextual variable in consumer behavior models and provide practical implications for retailers in designing marketing strategies that target consumers based on their lifestyle profiles.

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