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All Journal El Dinar Jurnal Ekonomi Syariah Teori dan Terapan Jurnal Pengabdian Kepada Masyarakat (Indonesian Journal of Community Engagement) Hayula: Indonesian Journal of Multidisciplinary Islamic Studies Perisai : Islamic Banking and Finance Journal al-Uqud : Journal of Islamic Economics Al Huquq : Journal of Indonesian Islamic Economic Law Jurnal Pengabdian Masyarakat Multidisiplin Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah Indonesian Journal of Cultural and Community Development Indonesian Journal of Law and Economics Review Indonesian Journal of Islamic Economics and Business Islamiconomic: Jurnal Ekonomi Islam Perbanas Journal of Islamic Economics and Business Safari : Jurnal Pengabdian Masyarakat Indonesia Journal of Social Comunity Services Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah IJEFSD Amaluna: Jurnal Pengabdian Masyarakat Journal of Artificial Intelligence and Digital Economy
Ninda Ardiani
Universitas Muhammadiyah Sidoarjo
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology 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 Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Pengaruh CAR, NPF, FDR Terhadap Profitabilitas di Bank BTPN Syariah Tahun 2014-2024 Andriani, Fira Juni; Ardiani, Ninda
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 10 No 1 (2025): Al-Muamalat: Jurnal Hukum Dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v10i1.10716

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR) on the profitability of Bank BTPN Syariah during the 2014–2024 period. The main focus of this research is how these three variables influence Return on Assets (ROA) as an indicator of bank profitability. The research employs a quantitative method with a multiple linear regression analysis approach. The data analyzed is secondary data obtained from the quarterly financial statements of Bank BTPN Syariah over the 2014–2024 period. The dependent variable in this study is ROA, while the independent variables include CAR, NPF, and FDR. Data analysis is conducted using SPSS and Microsoft Excel software. The results show that CAR has a positive and significant effect on ROA, whereas NPF has a negative and significant effect on ROA. Meanwhile, FDR does not have a significant impact on ROA. Simultaneously, CAR, NPF, and FDR significantly affect the profitability of Bank BTPN Syariah. This study contributes by strengthening empirical evidence regarding the effect of CAR, NPF, and FDR on the profitability of Islamic banks, particularly in Indonesia.
Improving The Capacity Of Managers Of Productive Wakaf Business Units Through Digital Marketing Training And Use Of Smart Cashier Applications Ardiani, Ninda; M Ruslianor M; Satrio Sudarso
Amaluna: Jurnal Pengabdian Masyarakat Vol. 3 No. 2 (2024)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/amaluna.v3i2.4401

Abstract

Productive waqf own potential big in empowerment social and economic society, especially if managed optimally. Article This discuss implementation of community service programs society that aims increase capacity business unit manager endowment productive through training digital marketing and use Smart Cashier Application. Training covers management business based on POAC, digital marketing strategies, and utilization technology for efficiency operational. The results show existence improvement skills digital management and marketing, improvement turnover sales, as well as efficiency more operational​ Good through recording more transactions​ accurate. In addition, product branding is also strengthened for increase Power competitive in the market. This program succeed empowering manager business as well as create opportunity economy new for public around.
Literasi Green Economy dan Animasi Pilah Sampah untuk Edukasi Lingkungan di SMA Muhammadiyah 3 Tulangan Diah Krisnaningsih; Ninda Ardiani; Masruchin Masruchin
SAFARI :Jurnal Pengabdian Masyarakat Indonesia Vol. 5 No. 3 (2025): Juli : SAFARI :Jurnal Pengabdian Masyarakat Indonesia
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/safari.v5i3.2918

Abstract

The environmental crisis is becoming an increasingly pressing issue as development increases without adequate attention to ecological aspects. Negative impacts such as air, soil, and water pollution, as well as extreme climate change, demonstrate that development is not aligned with the principles of environmental sustainability. One serious problem is the increasing volume of waste, from households, schools, and industry. Unfortunately, public awareness of waste sorting and management remains relatively low. Poorly managed waste can cause pollution and long-term health threats. Separating organic and inorganic waste is a crucial step in creating an effective and environmentally friendly waste management system. Therefore, environmental education is a strategic effort to foster awareness from an early age, particularly in the school environment. Through an educational approach and engaging delivery, it is hoped that students will more easily understand the importance of maintaining a clean and sustainable environment. This community service activity aims to improve Green Economy literacy and waste sorting education for students at Muhammadiyah 3 High School, Tulangan, Sidoarjo. The primary target group is 12th-grade students from five classes who are directly involved in the outreach activities. The method used is the screening of interactive and educational motion graphic animation media, making it easier for students to understand the material. This media was chosen because it is visual, engaging, and in line with the characteristics of a young generation familiar with technology. As a form of concrete support, the team also provided green (organic) and yellow (inorganic) trash cans throughout the school environment. It is hoped that this activity will not only broaden students' understanding of the importance of waste sorting but also foster positive, sustainable habits. Furthermore, this activity is the first step in developing a young generation with social responsibility and environmental awareness.
Pendanaan Alternatif Berbasis Wakaf Produktif Persepektif Maqashid Syariah: Solusi Keuangan Berkelanjutan untuk Perguruan Tinggi Ardiani, Ninda; Mafula, Faricha; Nur Latifah, Fitri; Suwito, Jasmine Aura Salsabilla; Noer Putri Alisya Setiawati
Al-Huquq: Journal of Indonesian Islamic Economic Law Vol. 7 No. 1 (2025)
Publisher : Fakultas Syariah IAIN madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/alhuquq.v7i1.19229

Abstract

Penelitian ini bertujuan untuk merancang model pengembangan wakaf produktif guna memperkuat pendanaan pendidikan sebagai solusi alternatif yang berkelanjutan untuk membantu pendanaan pendidikan di tingkat perguruan tinggi. Data penelitian dikumpulkan melalui kuesioner dan wawancara mendalam dengan responden yang memiliki pemahaman mendalam tentang wakaf dan dunia pendidikan, baik dari kalangan akademisi maupun praktisi. Metode Analytic Network Process digunakan untuk mengidentifikasi kriteria prioritas yang mempengaruhi keberhasilan pengelolaan wakaf produktif, dengan fokus pada dimensi sosial, ekonomi, dan kelembagaan. Hasil Penelitian menunjukkan bahwa pengembangan model wakaf produktif untuk pendanaan pendidikan tinggi dipengaruhi oleh elemen-elemen yang saling terkait. Tujuan utama pengembangan model ini adalah untuk mencapai kesejahteraan spiritual (0,359), Faktor dominan dalam pengembangan model ini adalah aset wakaf (0,469), dengan uang (0,408) menjadi jenis aset yang paling berpengaruh, diikuti oleh wakaf saham sebagai instrumen pembiayaan utama (0,303) serta Manfaat dari wakaf produktif meliputi profit (0,307). Lembaga yang paling potensial sebagai pengelola wakaf produktif adalah organisasi (0,304). Secara keseluruhan, wakaf uang (0,358) merupakan alternatif terbaik dalam mengoptimalkan wakaf produktif sebagai sumber pendanaan alternatif bagi pendidikan tinggi di Indonesia. Pengembangan model wakaf produktif tidak hanya bentuk aktualisasi nilai maqashid syariah, tetapi juga strategi keuangan inklusif yang dapat memperkuat kapasitas pembiayaan sektor pendidikan di Indonesia. (This study aims to design a productive waqf development model to strengthen education funding as a sustainable alternative solution to assist in funding higher education. Research data was collected through questionnaires and in-depth interviews with respondents who have a deep understanding of waqf and the world of education, both from academics and practitioners. The Analytic Network Process method will be used to identify priority criteria that influence the success of productive endowment management, with a focus on social, economic, and institutional dimensions. The research results indicate that the development of a productive endowment model for higher education funding is influenced by interrelated elements. The main objective of developing this model is to achieve spiritual well-being (0.359). The dominant factor in the development of this model is waqf assets (0.469), with cash (0.408) being the most influential type of asset, followed by waqf shares as the main financing instrument (0.303) and the benefits of productive waqf include profit (0.307). The most potential institution as a manager of productive waqf is an organization (0.304). Overall, cash waqf (0.358) is the best alternative in optimizing productive waqf as an alternative funding source for higher education in Indonesia. The development of the productive waqf model is not only a form of actualizing the values of maqashid Syariah but also an inclusive financial strategy that can strengthen the financing capacity of the education sector in Indonesia.)
Analisis Tingkat Efisiensi dan Produktivitas Perbankan di Indonesia Ketika dan Setelah Pandemi Covid 19 Ninda Ardiani; Nur Latifah, Fitri; Oktaviyanti, Ika; Aura Salsabil, Jasmine
Indonesian Journal of Islamic Economics and Business Vol. 9 No. 2 (2024): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v9i2.2845

Abstract

This study attempts to ascertain the productivity and efficiency levels of eight Islamic banks and eight conventional banks in Indonesia during and after the COVID-19 pandemic. Using Data Envelopment Analysis (DEA) and Malmquist's Productivity Index (MPI), this study's input factors include labor expenses, assets, financing and revenue, and Third Party Funds (DPK). The findings indicate that the highest degree of efficiency has been effectively maintained by Bank Mandiri, BTN, BTPN, KB Bank Syariah, and BVS. Following the Covid-19 epidemic, BNI was the only bank to see an derivation in performance. Potential improvements in labor cost and revenue management were identified in a number of institutions by the Total Potential Improvement analysis .However, the MPI investigation demonstrates that banks such as BTPN and MEGA have seen notable boosts in productivity due to their successful adoption of digital technology. All things considered, this study demonstrates how the COVID-19 pandemic has affected Indonesian banks' performance. While some banks have maintained or even increased productivity, banks still face substantial hurdles in terms of profitability and efficiency. These findings suggest that in order to meet upcoming difficulties, operational efficiency gains and technology breakthroughs are essential.
Komparasi Efisiensi Bank Bjb Syariah dan Bank Bjb Konvensional Sebelum dan Selama Pandemi Covid-19 Fadilah, Nurul; Ardiani, Ninda
Perbanas Journal of Islamic Economics and Business Vol 5 No 1 (2025): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v5i1.299

Abstract

Tujuan dilakukannya penelitian ini adalah untuk menganalisis serta mencari perbandingan tingkat efisiensi Bank BJB Syariah dan Bank BJB Konvensional sebelum dan saat pandemi Covid-19. Novelty penelitian ini berfokus pada pengukuran efisiensi dan komparasi hanya melalui kinerja dua bank BPD yang berada dalam satu induk perusahaan, yaitu Bank BJB Syariah dan Bank BJB Konvensional, yang keduanya merupakan bagian dari PT Bank BJB Tbk serta untuk mengetahui dampak yang ditimbulkan pandemi Covid-19 terhadap sistem kedua bank. Metode penelitian yang digunakan pada penelitian kali ini adalah metode kuantitatif untuk menghitung tingkat efisiensi Bank BJB Syariah Tbk dan Bank BJB Konvensional Tbk. Dengan variabel yang digunakan yaitu terdiri dari Total aset, Dana Pihak Ketiga, dan Beban Operasional adalah variabel input-nya. Sedangkan Kredit/Pembiayaan dan Pendapatan Operasional adalah variabel output-nya. Periode sampel sebelum pandemi dihitung dari 2017 hingga 2019, dan periode sampel selama pandemi dihitung dari 2020 hingga 2022. Selama periode 2022 Bank BJB Konvensional mencapai efisiensi sempurna sedangkan bank BJB Syariah juga hampir mencapai efisiensi sempurna, akan tetapi terdapat inefisiensi pada kuartal kedua. Perbandingan tersebut dapat dikatakan bahwasannya kinerja Bank BJB Syariah tidak kalah baik karena hampir menyusul pencapaian efisiensi dari kinerja Bank BJB Konvensional yang mengalami efisiensi selama 1 tahun pada periode 2022. Dari penelitian ini membuktikan bahwa Bank BJB Syariah dan Bank BJB Konvensional sering mengalami inefisiensi pada beberapa variabelnya baik sebelum dan saat pandemi covid-19 dengan adanya fluktuasi pada kinerjanya, yang mengakibatkan terjadinya inefisiensi pada beberapa kuartal.
Pengaruh CAR, NPF, FDR Terhadap Profitabilitas di Bank BTPN Syariah Tahun 2014-2024 Andriani, Fira Juni; Ardiani, Ninda
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 10 No 1 (2025): Al-Muamalat: Jurnal Hukum Dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v10i1.10716

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR) on the profitability of Bank BTPN Syariah during the 2014–2024 period. The main focus of this research is how these three variables influence Return on Assets (ROA) as an indicator of bank profitability. The research employs a quantitative method with a multiple linear regression analysis approach. The data analyzed is secondary data obtained from the quarterly financial statements of Bank BTPN Syariah over the 2014–2024 period. The dependent variable in this study is ROA, while the independent variables include CAR, NPF, and FDR. Data analysis is conducted using SPSS and Microsoft Excel software. The results show that CAR has a positive and significant effect on ROA, whereas NPF has a negative and significant effect on ROA. Meanwhile, FDR does not have a significant impact on ROA. Simultaneously, CAR, NPF, and FDR significantly affect the profitability of Bank BTPN Syariah. This study contributes by strengthening empirical evidence regarding the effect of CAR, NPF, and FDR on the profitability of Islamic banks, particularly in Indonesia.
Fintech Peer To Peer Lending Sharia as an Alternative Capital for MSME in Sidoarjo : Fintech Peer To Peer Lending Berbasis Syariah Sebagai Alternatif Permodalan UMKM Sidoarjo Latifah, Fitri Nur; Ardiani, Ninda; Ariyanti , Novia; Syafitri , Mega Novita
Indonesian Journal of Law and Economics Review Vol. 18 No. 3 (2023): August
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijler.v18i3.943

Abstract

This study aims to explore the role of Islamic peer-to-peer lending fintech as an alternative solution to Sidarjo's MSME capital problem. As we know there are still many MSMEs still unbankable. So when capital issues arise, they are in trouble. Therefore, the existence of Sharia Fintech with P2P system is expected to be the solution to these problems. The study uses a qualitative case study method that collects secondary and primary data through interviews with Sidoarjo economic officials. The conclusion of this study shows that sharia peer-to-peer loan financing to MSME can improve his MSME's performance. Sidoarjo's MSMEs just lack understanding of Sharia Fintech P2P as an alternative to capital. Highlights: Sharia Fintech P2P as a solution for MSME capital problem Qualitative case study using secondary and primary data Lack of understanding hindering MSMEs from accessing Sharia P2P finance. Keywords: Islamic peer-to-peer lending,Fintech,MSMEs,Sidoarjo,Sharia finance
AN EXAMINATION OF ZAKAT INSTITUTIONS' LEVEL OF PRODUCTIVITY BEFORE AND FOLLOWING THE COVID-19 PANDEMIC Ardiani, Ninda
Journal of Social Comunity Services Vol. 1 No. 1 (2024): Journal of Social Comunity Services (JSCS)
Publisher : Antis-publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/jscs.v1i1.33

Abstract

This study aims to analyze the productivity of zakat institutions in Indonesia before and during the COVID-19 pandemic. The potential of zakat in Indonesia is quite large, but in terms of channeling it is still not optimal. The lack of standardization in the management of zakat has resulted in inappropriate collection and distribution of zakat. Whether or not the zakat institution is optimal in carrying out its operational activities can be seen from the productivity of the zakat institution. One of the methods that can be used to analyze performance efficiency is by using the non-parametric Malmquist Productivity Index (MPI) method. The Zakat Institution which is the object of the research shows fluctuations in productivity in each research period. The period during the pandemic has more value than before the pandemic. During the COVID-19 pandemic, LazisMu showed excellent development in terms of productivity.
Optimization of Digital Marketing Training for Bazaf Supermarket to Empower Productive Waqf Bulan, Rachima Annisa; Ninda Ardiani; Ruslianor Maika; Satrio Sudarso; Raisha Salisa
Amaluna: Jurnal Pengabdian Masyarakat Vol. 4 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/amaluna.v4i2.5173

Abstract

The shift from conventional to digital marketing presents significant opportunities for small business development, including productive waqf-based enterprises. However, limited digital literacy remains a major barrier for effective implementation. This community service program aimed to strengthen the digital marketing capacity of productive waqf business units under the Bina Peradaban Islam Indonesia Foundation, with a particular focus on Bazaf Supermarket. The program employed a descriptive qualitative approach through four stages: problem identification, socialization, training, and mentoring. Data were collected using observations, interviews, documentation, and pre- and post-tests to assess changes in participants’ understanding and skills. The results indicate a notable improvement in participants’ digital marketing knowledge and practical abilities, particularly in utilizing WhatsApp Business for product promotion and customer engagement. Following the intervention, Bazaf Supermarket successfully implemented digital marketing strategies, which contributed to increased customer inquiries and sales performance. These findings demonstrate that structured digital marketing training and mentoring can effectively enhance the operational capacity of productive waqf business units. This program provides practical implications for community-based economic empowerment initiatives, highlighting digital marketing as a strategic tool to strengthen the sustainability and social impact of productive waqf enterprises
Co-Authors A Syifaul Qulub Adinda Meyta Saharani Andriani, Fira Juni Aura Salsabil, Jasmine Azifatul Hannah Bulan, Rachima Annisa Diah Krisnaningsih Dian Maharani Saputri Dyah Ayu Nur Aini Eko Fajar Cahyono, David Kaluge Eva Hidayatul Kusnah Fitri Nur Latifah Hanesti, Elsi Mersilia Ika Oktaviyanti, Ika Ima Faizah Lathifatul Khoirun Nisa M Ruslianor M Mafula, Faricha Masruchin Masruchin Masruchin Masruchin Meri Yuliani Muhamad Nafik Hadi Ryandono Muhammad Nafik HR, Muhammad Muhammad Ruslianor Maika Muhammad Ubaidillah Al Mustofa Noer Putri Alisya Setiawati Novia Ariyanti Nuris Tiswanah Nurul Fadilah, Nurul Puji Sucia Sukmaningrum Raisha Salisa Rani, Lina Nugraha Satrio Sudarso Suwito, Jasmine Aura Salsabilla Syafitri , Mega Novita Taqiyah Dinda Insani Tika Widiastuti Tofan Tri Nugroho