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All Journal Jurnal Organisasi Dan Manajemen Al-Kharaj: Journal of Islamic Economic and Business Jurnal Abdimas Bina Bangsa
Tri Kurniawati Retnaningsih
Universitas Terbuka
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Determinant of Islamic Banking Profitability In Indonesia Dimas Puja Kuswara; Etty Puji Lestari; Tri Kurniawati Retnaningsih
Jurnal Organisasi dan Manajemen Vol. 15 No. 1 (2019)
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/jom.v15i1.295.2019

Abstract

Finding a determinant of profitability has become one of the most popular topics in banking research. Previous research has identified many factors that significantly influence bank profitability. There are also many studies that measure the effectiveness of sharia banking globally, but few analyze the profitability issues of sharia banks. This study aims to analyze the impact of factors affecting profitability in Islamic Banks listed on the Indonesia Stock Exchange. The method used is multiple linear regression analysis. The variables are return on assets as dependent variable and murabahah, musyarakah, mudharabah, branch office, cash office, and Automatic Teller Machine as independent variable. This study found that funding factors such as murabaha, musharaka and conventional and electronic networking factors such as Branch Office, Cash Office, and ATM had positive and significant impact on profitablity of Sharia Bank, while mudharabah had a negative and significant influence on profitablitas Sharia Bank. Sub-Branch Offices also had a negative but insignificant effect on the profitability of Sharia Banks. This result indicated that income on management became the most dominant income in generating profit of sharia banking. However, the management of funds could not work if not supported by Islamic banking channeling tools.
The Role of Financial Institutions In Financial Inclusion in the Krupuk Industry SMEs The Karangmluwo Mangli Kaliwates Community, Jember Siti Masrohatin; Hikmatul Hasanah; Indra Kusumawati; Tri Kurniawati Retnaningsih
Al-Kharaj: Journal of Islamic Economic and Business Vol 5, No 1 (2023)
Publisher : IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (218.907 KB) | DOI: 10.24256/kharaj.v5i1.3641

Abstract

The objective of the financial inclusion program is to eliminate all forms of barriers to public access to the use of financial services supported by existing infrastructure. Thus the SMEs community will easily overcome the problem of lack of capital by getting easy financing services from banks, in this study conducted on the SMEs community in the Karangmluwo cracker industry. However, can the SMEs community of the Karangmluwo cracker industry as a whole be able to feel the benefits of the financial inclusion program? Until this research formulated the formulation of the problem: What is the role of financial institutions in financial inclusion in the Karangmluwo cracker industry SMEs?, what are the arguments of the Karangmluwo cracker industry community who are reluctant to collaborate with financial institutions? crackers Karangmluwo?. This study uses a descriptive qualitative approachand the results of research on several SMEs in the cracker industry of the Karangmluwo community, Mangli Kaliwates Jember, show that the benefits of the financial inclusion program are still not evenly distributed, it is proven that there are still Karangmluwo cracker industry communities who are reluctant to collaborate with financial institutions because of the complicated requirements and lack of socialization from the financial institutions. However, there are also some industrial communities in Karangmluwo who can benefit from this financial inclusion 
PENGUATAN EKONOMI MASYARAKAT MELALUI PLATFORM INDUSTRI KREATIF Etty Puji Lestari; Tri Kurniawati Retnaningsih; Erlambang Budi Darmanto; Richmond Faithful; M. Farhan Al Ja'fary
Jurnal Abdimas Bina Bangsa Vol. 5 No. 1 (2024): Jurnal Abdimas Bina Bangsa
Publisher : LPPM Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jabb.v5i1.854

Abstract

Creative industries play an essential role in a country's economy, but their development has yet to be maximized; one is in Bojongsari District, Depok. Many homemakers set aside and fill their activities with unproductive things so that no economic contribution is generated. Based on this situation, activities aimed to empower homemakers and provide them with creative industries are expected to increase their family income. The Universitas Terbuka Community Service Program, in collaboration with Craft Studio Panorama/CSP 11 Depok, tries to apply a new paradigm in community service activities that is problem-solving, comprehensive, thorough, and sustainable with a goal that is not single through the macrame crafting industry, fashion, and bags. The community service results show that the community appreciates this community service activity. This community service is proven to provide additional income and also empowers local communities to be more productive
Co-Authors Dimas Puja Kuswara Erlambang Budi Darmanto Etty Puji Lestari Hikmatul Hasanah Indra Kusumawati M. Farhan Al Ja'fary Richmond Faithful Siti Masrohatin