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Analisis profitabilitas bank syariah sebelum dan selama pandemi covid-19 (studi kasus pada PT Bank Muamalat Indonesia TBK) Atif Windawati; Andi Nursyamsi Amin; Alvianita Gunawan Putri; Iwan Budiyono
Journal of Applied Business Administration Vol 6 No 2 (2022): Journal of Applied Business Administration - September 2022
Publisher : Pusat P2M Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaba.v6i2.4621

Abstract

The Covid-19 pandemic has impacted many sectors including the Islamic Banking sector. This study aims to analyze the profitability of Islamic banking before and during the Covid-19 pandemic, a case study at Bank Muamalat Indonesia (BMI). The research indicators used are banking financial ratios in the form of ROA (Return on Assets), ROE (Return on Equity), BOPO (Operating Agency to Operating Income), NOM (Net Operating Margin), and EPS (Earning Per Share). The research method used is a comparative study with a quantitative approach using data from Quarter I to IV financial statements for 2019 - 2020. The results show that there is no significant difference in the profitability of BMI before and during the Covid-19 pandemic seen from ROA, ROE, BOPO, NOM, and EPS.
Development of a Web-Based SQL Query Online Examination System with Automated Grading Using the MVC Design Pattern Yoppy Yunhasnawa; Atif Windawati; Toga Aldila Cinderatama; Candra Bella Vista; Moch. Zawaruddin Abdullah
International Journal Software Engineering and Computer Science (IJSECS) Vol. 4 No. 3 (2024): DECEMBER 2024
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijsecs.v4i3.3285

Abstract

In this study, the Researchers provide the design, development, and evaluation of a web-based SQL exam system that utilizes the Model-View-Controller (MVC) architectural pattern to enhance automated grading functionality and ease of maintenance. The main objectives of the system are to simplify the process of administering SQL exams, to make it user-friendly for students to enter their SQL statements, and as a means for teachers to automate the grading process. This allows a clear separation between three separate modules: Model to manage data, View to present the application to users, and Controller to manage the application logic. This separation allows for modular development, easier maintenance, and code reuse. The fundamental aspect of the system lies in its automated grading mechanism, which intelligently compares the SQL queries submitted by students with the corresponding validated answer keys stored in the database. Extensive black-box testing was conducted to ensure the reliability and accuracy of the system with various test cases to assess its ability to assess responses and provide real-time feedback to students, in addition to smooth and intuitive navigation within the system. All testing criteria yielded successful results with 100% agreement proving the robustness of the system with all possible locations that could potentially be used in higher education structures. The system provides a scalable and flexible approach to address the challenges associated with SQL assessment in academic institutions, thereby facilitating uniform, efficient, and objective evaluation standards. The system uses data up to October 2023 to prevent the model from becoming obsolete
AutoClusterAPI: A Lightweight Backend Framework for Automated Unsupervised Clustering Pipelines Yoppy Yunhasnawa; Atif Windawati; Toga Aldila Cinderatama; Moch. Zawaruddin Abdullah; Elok Nur Hamdana
International Journal Software Engineering and Computer Science (IJSECS) Vol. 6 No. 1 (2026): APRIL 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijsecs.v6i1.5997

Abstract

This study presents AutoClusterAPI, a lightweight and extensible backend system designed to simplify and accelerate unsupervised clustering workflows. The system addresses a recurring problem in data analysis practice: many practitioners need rapid clustering capabilities but lack the programming or statistical background required to build complete pipelines from scratch. AutoClusterAPI provides an automated, endpoint-driven solution that allows users to perform every stage of clustering — from data loading and cleaning to feature preparation, algorithm execution, profiling, and visualization — through standard HTTP requests. The system is built using Python and the FastAPI web framework, supports eight clustering algorithms, and includes automated preprocessing alongside PCA-based visualization. Functional testing confirms that all endpoints behave correctly under both valid and invalid inputs, establishing the reliability of the system. A case study using a customer segmentation dataset further demonstrates its practical utility, showing that AutoClusterAPI can efficiently generate meaningful cluster structures and interpretable visual outputs. The system offers an accessible yet configurable environment for rapid clustering analysis and establishes a basis for future extensions and real-world deployment.
From Satisfaction to Loyalty: Analyzing the Impact of Service Quality and Corporate Image in Islamic Banking Risqi Putri Hidayati; Mustika Widowati; Atif Windawati
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i1.23508

Abstract

This study aims to analyze the relationship between service quality, corporate image, customer satisfaction, and customer loyalty at Bank Syariah Indonesia (BSI) in Semarang, with customer satisfaction serving as an intervening variable. The study employs a quantitative approach using a survey method, involving 100 respondents selected through purposive sampling. Primary data were collected using questionnaires and analyzed through Structural Equation Modeling (SEM), including inner and outer model evaluations. The findings indicate that service quality has a significant effect on customer loyalty, whereas corporate image does not significantly influence loyalty. Furthermore, customer satisfaction successfully mediates the relationship between service quality and customer loyalty but does not mediate the relationship between corporate image and loyalty. These findings highlight that improving service quality plays a crucial role in enhancing customer satisfaction, ultimately strengthening customer loyalty. Therefore, BSI in Semarang must focus on optimizing service quality to improve customer experience and ensure long-term customer loyalty to the Islamic bank