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Comparative Analysis of Bank Soundness Levels Using the RGEC Method at PT. Bank Muamalat and PT. Indonesian Sharia Bank Nurfadillah, Nurfadillah; S, Andi Bahri; Damirah, Damirah; Semaun, Syahriyah; Muliati, Muliati
Jurnal Ilmu Manajemen Profitability Vol. 9 No. 1 (2025): FEBRUARY 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/profitability.v9i1.17353

Abstract

Comparison between the health levels of Bank Muamalat , a national private bank, and Bank Syariah Indonesia, a state-owned enterprise, is based on their published 2022 annual financial statements. This study aims to assess the financial health of both banks and compare their health levels using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital). The research employs a quantitative approach with a comparative field research type, focusing on financial health by analyzing financial performance in 2022 through the RGEC method. This study uses secondary data sourced from the 2022 annual reports of both banks, published by the Financial Services Authority (OJK). The findings indicate that Bank Muamalat performed well in liquidity and capital but needs improvement in profitability, particularly in return on assets. The composite rating for Bank Muamalat in 2022 was 68.57%, placing it in the PK-3 category, meaning it is 'Quite Healthy.' Bank Syariah Indonesia exhibited excellent performance in risk profile, capital, and operating margins. Its composite rating in 2022 was 74.28%, classifying it under the PK-2 category, meaning it is 'Healthy.' The different composite rankings suggest variations in financial health between the two banks. Future research is recommended to incorporate additional assessment factors and continue using the RGEC method to provide a more comprehensive evaluation of bank health.
Disparitas upah terhadap pekerja penyandang disabilitas di Indonesia Anwar, Wahyu Mustika; Gani, Irwan; Muliati, Muliati
Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis Vol. 4 No. 2 (2025): Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis (In Progress
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/cocreation.v4i2.1655

Abstract

Penelitian ini bertujuan untuk menganalisis besaran ketimpangan upah antara pekerja dengan dan tanpa disabilitas di Indonesia pada tahun 2024 menggunakan metode Ordinary Least Square (OLS) dan dekomposisi Blinder-Oaxaca. Penelitian ini merupakan penelitian kuantitatif yang bertujuan untuk menganalisis besaran ketimpangan upah antara pekerja penyandang disabilitas dan pekerja tanpa disabilitas di Indonesia pada tahun 2024. Metode analisis analisis ini adalah deskriptif dan inferensia. Data yang digunakan dalam penelitian ini berasal dari Survei Angkatan Kerja Nasional (SAKERNAS). Hasil penelitian menunjukkan bahwa secara umum, status pekerja penyandang disabilitas memiliki hubungan negatif dan signifikan dengan upah, yaitu upah yang diterima oleh pekerja dengan disabilitas lebih rendah dibandingkan dengan pekerja tanpa disabilitas. Hasil regresi OLS kemudian dilengkapi dengan metode dekomposisi Blinder-Oaxaca untuk menganalisis besaran disparitas upah rata-rata antara pekerja dengan dan tanpa disabilitas. Dari disparitas tersebut, dapat dijelaskan oleh perbedaan karakteristik sosioekonomi pekerja, sementara keseimbangan disebabkan oleh faktor yang tidak dapat dijelaskan atau tidak teramati.
I'adah al-Nadzr (Reconsideration): A Critical Comparative Study between Indonesian Law and Saudi Arabian Law Perspectives (Fiqh Murafa’at) Haq, Islamul; Muliati, Muliati; Amiruddin, Muhammad Majdy; Maddolangeng, Nur Misyuari; Hammad, Hamza Abed Al Karim
AL-ISTINBATH : Jurnal Hukum Islam Vol 7 No 2 November (2022)
Publisher : Institut Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (596.202 KB) | DOI: 10.29240/jhi.v7i2.5248

Abstract

The purpose of this study was to ascertain the murafa’at fiqh (Saudi Arabian Law) and the Indonesian Criminal Procedure Code's perspectives on a convict's plea for i’adah al-nadzr (reconsideration). This was a normative juridical inquiry, which entailed poring over relevant material to gather data, assess content, and draw similarities between positive law and Islamic criminal law. The findings of this study indicated that review in positive law, referred to in Saudi Arabia's murafa’at fiqh as i’adah al-nadzr/al-muhakamah, attempted to ensure legal justice and judge justice in their rulings. There were parallels between positive law and murafa’at fiqh in terms of the justifications for filing reconsideration. There were, however, distinctions regarding the giyabi case as a basis for submitting reconsideration. In Saudi Arabia's murafa’at fiqh, the reconsideration application in the giyaby case could be accepted, although positive law did not cite the giyaby ruling as a reason to seek reconsideration. Positive law, on the other hand, provides for the possibility of resistance (verzet) if the defendant was not present in court and has not protested Verstek's ruling. Another parallel between positive law and Saudi fiqh murafa’at was seen in the reconsideration application regulations, which prohibited suspending the execution of rulings. However, the researcher notes that this rule cannot be applied universally.
STRATEGI PEMBERDAYAAN MASYARAKAT DAN PENGELOLAAN LINGKUNGAN MELALUI PROGRAM BANK SAMPAH DI KOTA PAREPARE Ayu, Sinar; Semaun, Syahriyah; Muliati, Muliati; Suarning, Suarning; S, Andi Bahri
Jurnal Review Pendidikan dan Pengajaran Vol. 7 No. 3 (2024): Vol. 7 No. 3 (2024): Volume 7 No 3 Tahun 2024 (Special Issue)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v7i3.31550

Abstract

Penelitian ini bertujuan untuk menganalisis strategi pemberdayaan masyarakat dan pengelolaan lingkungan melalui program bank sampah di Kota Parepare. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus. Data dikumpulkan melalui wawancara, observasi, dan dokumentasi, serta dianalisis menggunakan model interaktif dari Miles dan Huberman. Hasil penelitian menunjukkan bahwa program bank sampah di Kota Parepare berhasil meningkatkan partisipasi masyarakat dalam pengelolaan sampah dan memberikan manfaat ekonomi bagi masyarakat. Terdapat 12 bank sampah aktif yang beroperasi di berbagai kelurahan, yang berfungsi sebagai tempat pengumpulan sampah yang telah dipilah sebelum dijual atau didaur ulang. Partisipasi masyarakat dalam program ini cukup signifikan, dengan beberapa nasabah menyatakan bahwa program ini membantu mengelola sampah rumah tangga dan memberikan tambahan penghasilan. Namun, program ini masih menghadapi kendala seperti rendahnya kesadaran masyarakat dan keterbatasan fasilitas. Rekomendasi yang diberikan termasuk peningkatan fasilitas, edukasi dan sosialisasi, kolaborasi dengan sektor swasta, dan pemberian insentif kepada masyarakat yang berpartisipasi aktif. Dengan demikian, diharapkan program bank sampah di Kota Parepare dapat berjalan lebih efektif dan memberikan manfaat yang lebih besar bagi masyarakat dan lingkungan
PENGARUH FINANCIAL LITERACY DAN INVESTMENT PLATFORM TERHADAP MINAT BERINVETASI PADA PASAR MODAL SYARIAH (Studi Generasi Millenial Kota Parepare): (Studi Generasi Millenial Kota Parepare) Wardana, Wisnu; Suarning, Suarning; Kamal Zubair, Muhammad; Semaun, Syahriyah; Muliati, Muliati
Jurnal Istiqro Vol. 10 No. 1 (2024): Januari 2024
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v10i1.2824

Abstract

Investment is a component that is used as a standard for measuring economic growth in a country. The high and low level of investment in a country will greatly affect the cycle and economic activity in the country. One of the investment instruments that is increasingly in demand by the public today is the capital market, including the Islamic capital market. This is based on the phenomenon of increasing the number of investors in the Islamic capital market, especially during the Covid-19 pandemic which is dominated by millennials and z generations. The increase in the number of millennial generation investors is supported by increasing awareness of financial literacy. Another supporting factor is the development of technology and information systems that make it easier to invest in investment platforms that can be accessed on gadgets. So the purpose of this study is to provide an overview of the interest of the millennial generation of Parepare City to invest in the Islamic capital market. The influencing factors are financial literacy and investment platform as independent variables and investment interest in the Islamic capital market as a dependent variable. The research method uses quantitative descriptive research with the type of Field Research research (field research). The population in this study is the millennial generation of Parepare City, with a sample of 100 people. Based on the results of data analysis, financial literacy variables positively affect the interest of the millennial generation to invest in the capital market. The investment platform variable has a positive effect on the millennial generation's interest in investing in the Islamic capital market.
IMPLEMENTASI PERATURAN WALIKOTA PAREPARE NO. 7 TAHUN 2018 TENTANG EFEKTIVITAS AKUNTABILITAS PENGELOLAAN ZAKAT DI BAZNAS PAREPARE Sarmila, Sarmila; Mahsyar, Mahsyar; Muliati, Muliati; Semaun, Syahriyah; Musyarif, Musyarif
Jurnal Istiqro Vol. 10 No. 2 (2024): Juli 2024
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v10i2.2832

Abstract

This thesis discusses the implementation of Parepare City Regulation No. 7 of 2018 regarding the effectiveness of accountability in zakat management at BAZNAS Parepare. The purpose of this research is to determine the implementation of Mayor Regulation No. 7 of 2018 on the effectiveness and accountability of zakat management at the National Amil Zakat Agency (BAZNAS) in Parepare City. The research method used is qualitative research with a field research design. The number of informants in this study was 3 people from BAZNAS, and the data collection techniques included observation, interviews, and documentation. Data analysis employed data reduction, presentation, and conclusion drawing. The results of this research indicate that: 1) The implementation of Mayor Regulation No. 7 of 2018 on zakat management at BAZNAS Parepare has been carried out well in accordance with legal provisions for zakat management. BAZNAS has demonstrated commitment to accountability and transparency by integrating open reporting mechanisms that are easily accessible and comply with Sharia principles. 2) The effectiveness of zakat management at BAZNAS Parepare shows effective management, as evidenced by an open and easily accessible reporting system for the public, and BAZNAS's ability to ensure that zakat funds are distributed appropriately in accordance with Sharia principles and community needs. 3) Accountability in zakat management at BAZNAS Parepare indicates that BAZNAS Parepare has shown a high level of accountability in zakat management. The independent audit process validates BAZNAS's performance in ensuring compliance with accounting standards and Sharia provisions, demonstrating BAZNAS's seriousness in maintaining transparency and integrity, and making zakat management responsive to community needs
Micro, Small and Medium Enterprise Strategies for Women in Facing Competition in Bacukiki District, Parepare City Dewintara, Eka; Aminah, St.; Semaun, Syahriyah; Muliati, Muliati; S, Andi Bahri
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.14021

Abstract

This research discusses the strategies of women's micro, small and medium enterprises in facing competition in Bacukiki sub-district, Parepare city. This research is descriptive qualitative research with a type of field research, phenomenological research approach. The main problem in this research is how women's micro, small and medium enterprises face competition in Bacukiki sub-district, Parepare city. It was found that women in micro, small and medium enterprises in the Bacukiki subdistrict of Parepare city had high motivation in running their businesses. It can be seen that women run businesses because of their hobbies, dreams of owning a business and becoming successful entrepreneurs and wanting to help the family economically. The steps taken by women so that their business continues to run as desired are that they carry out regular evaluations, both monthly and weekly evaluations, then seek more knowledge about the business they are running so that their business can develop further, and they determine their target market, carry out planning and provide promotions or discounts to consumers.
Implementation of Policy Regarding Distribution of BLT for Extreme Poverty in Tambolongan Village, District. Bontosikuyu District. Selayar Patmawati, Andi Kiki; Mahsyar, Mahsyar; Damirah, Damirah; Muliati, Muliati; Semaun, Syahriyah
Jurnal Ekonomi Balance Vol. 20 No. 1 (2024): June 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i1.15303

Abstract

Policy implementation is any action taken by the government, both individually and in groups, to achieve a goal. Extreme poverty generally means the inability of a community to meet basic needs such as food, drinking water, proper sanitation, health, housing, education and access to information about income and social services. The purpose of this research is the BLT program to help households that are vulnerable to the impact of the Covid-19 pandemic. Qualitative descriptive research method. Primary data comes from direct interviews with direct beneficiaries of extreme poverty in Tambolongan village. The results of this study are: (1) The village government in determining extreme poverty communities still refers to Perkades 01 of 2023 which as been agreed upon with community leaders.    (2). Policy implementation carried out by the Tambolongan Village government includes communication, implementing attitudes, bureaucratic structure, and resources. The team involved in the policy of distributing Aid to extreme poverty communities is the implementing team carrying out the Fund Budgeting proposed by the coaching team for evaluation. After that, the Village Fund is ready to be distributed to people of extreme poverty. (3). The concept of economic empowerment for the people guided by the Al-Qur'an lies in the utilization and distribution of wealth evenly which is carried out properly and correctly. There are two provisions recommended in the    Al-Qur'an, the first is the command to provide assistance to the poor through infaq, alms and orders to feed the poor (ṭa'am almiskin), apart from being a form of first aid to the poor to maintain their survival, it can also It is understood that this is one way of Islam in empowering poverty
PENGENALAN PROSES PRODUKSI MIE PADA PESERTA DIDIK SEKOLAH DASAR Andriani Yasin, Nurfatwa; Masmarulan, Masmarulan; Muliati, Muliati; Artiyany, Megawhati; Afriyani, Afriyani
Arunika: Jurnal Pengabdian Masyarakat Vol. 1 No. 2: Desember 2022
Publisher : Unit Publikasi dan Jurnal Sekolah Tinggi Ilmu Ekonomi Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/ar.v1i2.310

Abstract

Learning strategies through outing classes to improve aspects of child development. Learning is an important thing that is done in an educational process. Therefore it takes the right learning strategy. As for one of the learning strategies that can be done is through outing class activities. This outing class was conducted by SD Inp students. Toddopuli's flagship by visiting PT. Megah Putra Sejahtera, a company that produces instant noodles under the Megah Mie brand. The purpose of writing this article is to introduce students to the process of mass-producing instant noodles in a machine-run factory. In this community service the lecturer team works closely with the management of PT. Megah Putra Sejahtera, introduced and guided students during the visit. The result of this dedication is that students get additional knowledge and an overview of the world of management, in this case PT. Megah Putra Sejahtera operates and produces instant noodles in bulk packages.
PELATIHAN MANAJEMEN KEUANGAN SEDERHANA UNTUK USAHA KECIL DAN MENENGAH DI KAWASAN WISATA PANTAI BIRU MAKASSAR Andriani Yasin, Nurfatwa; Afriyani, Afriyani; Muliati, Muliati; Jumria, Jumria
Arunika: Jurnal Pengabdian Masyarakat Vol. 4 No. 1: Juni 2025
Publisher : Unit Publikasi dan Jurnal Sekolah Tinggi Ilmu Ekonomi Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/ar.v4i1.629

Abstract

Small and Medium Enterprises (SMEs) are an important sector in the local economy, especially in the Pantai Biru Makassar tourist area. However, most SMEs in this area still face obstacles in managing business finances, such as no cash flow recording, mixing personal and business finances, and low understanding of basic financial management. This community service activity aims to improve literacy and skills of SMEs in managing finances through simple financial management training. The methods used include initial observation, module preparation, face-to-face training, direct practice, evaluation, and mentoring. The activity was carried out for two days in the Bira Village Hall, Makassar, involving 25 SMEs as participants. The evaluation results showed a significant increase in participants' understanding of financial recording and business financial planning. The majority of participants also started implementing routine cash flow recording after the training. This activity proves that simple financial management training can be a strategic step to encourage the sustainability and professionalism of SMEs in tourist areas. Further training and ongoing mentoring are needed so that the benefits of the training can be felt in the long term.
Co-Authors -, Rampeng Abdul jalil Abdul Kahar Abdulllah, Muhammad Ikbal admin admin, admin Adreansyah, Ikbar Afrianti Afrianti, Afrianti Afriyani Afriyani Afriyani, Afriyani AKHMAD NOOR Ali, Marzuki Made ALIF, NUR MUHAMMAD Alim, Saskia S Ambo Upe Amelia, Mila Amin, Muh Agil Amir, Andi Mattulada Amiruddin, Muhammad Majdy Andi Bahri S Andi Bahri, Andi Andriansyah Andriansyah Annas, Alfian Antika, Rindi Anwar Anwar Anwar, Wahyu Mustika Ardiansyah, Faisal Aski Arfiah Busari Arianti, Melda Putri Arifanti, Dwi Risky Arista, Arista Artiyany, Megawhati Arung Gihna Mayapada Asdar Asdar Ashariana, Ashariana Asnawati Asnawati Asriani Asriani, Asriani Astin, Astin Aulia, Silvi Auliansyah, Auliansyah Ayu, Sinar Azalia, Areta Nur Fatimah BAKRY, M.Iqbal Baso, Muniro Baso Batau, ST. Haliah Besse Herlina Bunga, Purnamasari Busa, Yunus Cahyana, Indra Cahyani, Asti Cantika, Zhalsabila Putri Damanik, Rodearni DAMIRAH DAMIRAH, DAMIRAH Darma, Darma Darpin, Darpin Dewi Purnamasari Dewintara, Eka Djaniba, Erlina Dona, Doni Roma Effendi, Aji Sofyan Elpira Asmin Emiliyati, Emiliyati Ernawati Ernawati Ernawaty Usman Fansury, Andi Hamzah Farda, Sella Fatmarida Sabani, Fatmarida Ginting, Isaharpika Br Halmiah, Halmiah Halwi, Muhammad Darma Hamid, Sundari Hammad, Hamza Abed Al Karim Hamsiah, Andi Hamsiah, Andi Hamsiah Hanafi, Ali Hannani Hapipah, Risdina Haris, Muhamad Hartono Hartono Hasniar Hasniar, Hasniar Husnadian, Alfan I Ngurah Gede Verar Fujastawan Ibrahim Ibrahim Ilham Irwansyah Ilham, M. Imamah, Ayu Nur Imelda Putri Arianti Indah Indah Indra Indra Insarullah, Insarullah Irmawati Irmawati Irwan Gani Irwansyah, Ilham Isa Harpika Br. Ginting Islamul Haq Islamulhaq, Islamulhaq Jabar, Aryuni Salpian Jadi, Soliman Al Jalil, Ivon Jamaluddin Jamaluddin Jamilah, Sitti Janustisisa, Wina Jeti, La Julia I, Trigen Jumrah Jumrah Jumria Jumria Juri Naswa Nathania Kamal Zubair, Muhammad Kasim, Hermawaty Remba Khairul Anwar Khoiriah, Khifayatul Kusumayadi, Firmansyah Latifah Sukmawati Yuniar Lestari, Andi Indah Lestari, Retno Oktavia Liato, Della Fitriany Lilies Lilies Lukman, Sri Hardianti Luneto, Abdul Razik Lusianai, Wa Ode M, Ristifani Arista Maddolangeng, Nur Misyuari Mahmud, Usamah Mahsyar, Mahsyar Mahyus, Mahyus Makasale, Ariel Sousii Manan, Manan Manuhutu, Fenty Yoseph MARCELLINA, Nelly Mardiana, Fani Margaretha Togatorop Marlina, Santy Marlina Marolop Parlindungan Napitu Mas'ud Muhammadiah Masmarulan, Masmarulan Masnur Masnur Masruddin Mattulada, Andi Mauliza, Riska Misnawati Misnawati Muhammad Din Muhammad Elwan, La Ode Muhammad Ilham Pakawaru Mulianah, Maedatul Muliati, Windi Murbayani Murbayani, Murbayani Musafir, Musafir Musakkir , Musakkir Musmulyadi, Musmulyadi Mustamin Mustamin Musyarif Musyarif, Musyarif Muzaini, Muhammad Nadhar, Muhammad Nahak, Marthalena Erbin Napitu, Marolop Parlindungan Nasaruddin Nasaruddin Nina Yusnita Yamin Nofinda, Ayu NOPIANTI, NOPIANTI Norhaedah Novalina Serdiati Noyo, Irfandi A. Nur Edy Nur Hidayah Nur Hikmah NUR, MUFLIHA Nurdin, Jurana Nurfadillah Nurfadillah Nurfadillah, Siti Nurhayati Nurhayati Okto Irianto, Okto Oneng, Muthia Yogelina Pare Datu, Virgina A. Parwati, Ni Made Suwitri Patmawati, Andi Kiki Pramudita Budi Rahayu, Pramudita Budi Pratama, Yulianda Dian Putra, L. M. Ricard Zeldi Putri, Amelia Hamdani Putri, Andini Yulianto PUTRI, EVA NORHYA AKHMAR RAMADHAN Qasim, Rahmawati R, Masmarulan Rahayu Indriasari Rahman, Nasrul Rarasati, Indin Restele, La Ode Restu Januarty Hamid Rianti, Rianti Ridwan, Ridwan Riski, Lestari Riswani Riswani Rodearni Damanik Rosdiana Rosdiana Roslina Roslina, Roslina Rudy Usman S, Andi Bahri Safaruddin Safitri, Suci Safitri Salamatun Umma Saleh, Fitra Samir, Yulia Gita Samuji, Samuji Sangadji, Mia Lestari Sanusi, Novi Sundari Saragih, Indra Riski Sari, Wina Janustisia Sarmila, Sarmila Sarramadani Selmita Paranoan Sitanggang, Theodora Christina Romauli Sri Nur Rahmi Sri Reski Ananda St. Aminah Suarning Suarning, Suarning Suci, Fuji Mutia Suci, Indah Sukatin, Sukatin Sulfiani, Besse Sulindrina, Andra Sulistina Agustin, Sulistina Sumarni Sumarni Sumual, Claudea J. E. Sutrisman Basir Syahriyah Semaun Syamsiar, Syamsiar Tampang, Tampang Tangahu, Wahyu Ayuningsi Tangahu Tanra, Andi Ainil Mufidah Tengku Nurhidayah Togatorop, Margaretha Totanan, Chalarce Tri Wulandari Umar, Umrah Yani Utari, Adiani Purwa Varian, Devlin Janitra Wahidah, Wiratul Wahyudi, Rifqi Nur Wahyuniarsih, Desi Winarni Fujiastuti Winata, Aliahardi Wiranta, Yudhistira Wisnu Wardana, Wisnu Wulan Fabisian Wulandari, Neti Yasin, Nurfatwa Andriani Yeni Trisna Purba Yesi Aprianti Yuldi Mile Yulianti Yulianti Zamli