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All Journal Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JIKA: Jurnal Ilmu Keuangan dan Perbankan Jurnal E-Bis: Ekonomi Bisnis Coopetition : Jurnal Ilmiah Manajemen JRAK (Jurnal Riset Akuntansi dan Bisnis) (e-Journal) Business Preneur : Jurnal Ilmu Administrasi Bisnis Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Padma: Jurnal Pengabdian Kepada Masyarakat JURNAL ILMIAH INFOKOM Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Ekbis (Ekonomi & Bisnis) Jurnal Ekonomi Manajemen Bisnis dan Akuntansi Jurnal Pengabdian Kepada Masyarakat Jurnal Teknologi Komputer dan Informatika Jurnal Sosio dan Humaniora Journal of Business Management and Economic Development JURNAL PENDIDIKAN, HUMANIORA, LINGUISTIK DAN SOSIAL (JAGADDHITA) BHAKTI JIVANA Jurnal Perhotelan dan Pariwisata
Hani Hatimatunnisani
Politeknik Pajajaran ICB Bandung
Religion Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Nursing Public Health Social Sciences Other

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MENILAI KINERJA DAN KESEHATAN KEUANGAN BANK BTN MENGGUNAKAN PENDEKATAN CAMEL PERIODE 2022–2024 Adhisa Nabila Syahla; Vella Azzahra; Irfan Gunawan; Hani Hatimatunnisani; Riffka Fauzany
Jurnal Sosio dan Humaniora (SOMA) Vol 4 No 2 (2026): JURNAL SOSIO DAN HUMANIORA : SOMA
Publisher : LPPM Politeknik Pajajaran ICB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/soma.v4i2.481

Abstract

This research examines the financial performance of PT Bank Tabungan Negara (Persero) Tbk for the 2022–2024 period by applying the CAMEL analysis framework. A descriptive quantitative method is employed, utilizing secondary data derived from BTN’s publicly available annual financial reports. The assessment focuses on several key financial indicators, namely Capital Adequacy Ratio (CAR), Asset Quality (KAP), Net Profit Margin (NPM), Return on Assets (ROA), Operating Expenses to Operating Income (BOPO), and Loan to Deposit Ratio (LDR). The findings reveal that, overall, Bank BTN maintained a sound financial condition throughout the observation period. The results indicate strong capital resilience, well-managed asset quality, relatively consistent profitability despite certain fluctuations, and sufficient liquidity levels. Accordingly, the CAMEL approach proves to be a reliable and effective method for evaluating the financial soundness and performance of Bank BTN.
MENINGKATKAN NILAI EKONOMIS SAMPAH MELALUI BANK SAMPAH PADA WARGA RW 04 KELURAHAN JATIHANDAP Hani Hatimatunnisani; Riffka Fauzany; Fadil Habiburahman; Nita Rustanti
Jurnal Pengabdian Kepada Masyarakat Vol 4 No 1 (2025): JURNAL PENGABDIAN KEPADA MASYARAKAT (PENGMAS)
Publisher : Pusat Penelitian dan Pengabdian pada Masyarakat (P3M)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/pengmas.v4i1.470

Abstract

Household waste management remains a problem in several regions. Low public awareness of waste sorting is a contributing factor to increased environmental pollution and the loss of potential economic value. This study aims to analyze the role of waste banks in increasing the economic value of waste and encouraging the participation of RW 04 residents in community-based waste management. The research method used descriptive qualitative methods, with data collection techniques through observation, interviews, and documentation. The results indicate that the waste bank can increase additional income for residents of RW 04, especially housewives, reduce the volume of waste disposed of in the environment, and raise public awareness of sustainable waste management. Therefore, the existence of a waste bank is an effective strategic solution for waste management while simultaneously empowering the economic value of RW 04 residents.
PENGELOLAAN EKSPEKTASI WARGA PADA PERENCANAAN PENGADAAN TANAH MELALUI PKM Rakhmat Haryono; Riffka Fauzany; Hani Hatimatunnisani; Hendriady De Keizer
Jurnal Pengabdian Kepada Masyarakat Vol 4 No 1 (2025): JURNAL PENGABDIAN KEPADA MASYARAKAT (PENGMAS)
Publisher : Pusat Penelitian dan Pengabdian pada Masyarakat (P3M)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/pengmas.v4i1.501

Abstract

A community service program (PKM) delivered participatory socialization and dialogue to support land acquisition planning for the rehabilitation of Cipancuh Dam, Indramayu, Indonesia. An intervention-based case study with a participatory, mixed-methods approach was applied to improve residents’ understanding of rehabilitation objectives, land acquisition planning stages, parcel listing–measurement–verification activities, and stakeholders’ rights and obligations. Forum findings highlighted recurring concerns regarding compensation, corporate social responsibility, and irrigation service distribution. Therefore, procedural clarification and accessible feedback/grievance channels are pivotal to strengthening social acceptance and preventing early-stage conflicts during land acquisition planning.
EDUKASI ETIKA BERKUNJUNG DI KAWASAN WISATA RELIGI MASJID RAYA AL JABBAR BANDUNG Riffka Fauzany; Hani Hatimatunnisani; Nita Rustanti; Ayulia Nirwani
Jurnal Pengabdian Kepada Masyarakat Vol 4 No 2 (2026): JURNAL PENGABDIAN KEPADA MASYARAKAT (PENGMAS)
Publisher : Pusat Penelitian dan Pengabdian pada Masyarakat (P3M)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/pengmas.v4i2.565

Abstract

Religious tourism is an important sector that contributes to strengthening religious values while supporting local economic development. As one of the prominent religious tourism destinations in West Java, Masjid Raya Al Jabbar attracts a large number of visitors with diverse backgrounds. However, not all visitors fully understand the ethics of visiting a place of worship, including maintaining cleanliness, respecting worship activities, and preserving public facilities. This community service activity aimed to improve visitors' understanding of proper etiquette in religious tourism through field observation, brief educational sessions, interactive discussions, and the dissemination of educational information. The activity involved visitors at the Masjid Raya Al Jabbar area and emphasized the importance of responsible behavior during visits. The results indicated an increased awareness among participants regarding cleanliness, orderliness, respect for religious values, and the proper use of public facilities. Participants also demonstrated a better understanding of the mosque's role as a center for worship, education, and community empowerment. This activity is expected to encourage responsible visitor behavior and support the sustainable management of religious tourism destinations through collaboration between visitors, the local community, and destination managers. Keywords: religious tourism; visitor etiquette; community service; visitor education; Masjid Raya Al Jabbar.
LITERASI KEUANGAN DAN PERAN PERGURUAN TINGGI DALAM MEMBENTUK KARAKTER CERDAS KEUANGAN MENUJU INDONESIA EMAS 2045: Financial Literacy and the Role of Higher Education in Shaping Financially Savvy Character Towards a Golden Indonesia 2045 Hani Hatimatunnisani
JURNAL PENDIDIKAN, HUMANIORA, LINGUISTIK DAN SOSIAL (JAGADDHITA) Vol 4 No 2 (2026): Vol. 4 No. 2 Maret 2026
Publisher : ABISATYA DINAMIKA ISWARA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Financial literacy is an individual’s ability to understand and use various information and apply financial concepts for decision making. University has a strategic role in increasing financial literacy and forming intelligent character in financial management among student, which in the future will play a role in the movement of the Indonesian economy towards the goal of a Golden Indonesia 2045. This research aims to analyze the level of financial literacy of students and the role of university and its influence on the formation of financially intelligent character. Research was conducted quantitatively on 128 private university students in Bandung. The result show that financial literacy and the role of university have a positive and significant influence on the formation of financially intelligent character. Through education curriculum, training, developing a healthy financial culture, and a good financial literacy that is instilled in universities, it can certainly help in creating a young generation that is intelligent, independent, and responsible in financial management so that it can support the achievement of a Golden Indonesia 2045.
Co-Authors Ade Sudrajat Adhisa Nabila Adhisa Nabila Syahla Afrizal, Rifa Alen Dereas Putri Alfaz Syihab Gunawan Angel Simatupang Anita Lestari Ardi Taryanto Arlinda Septiani Aurora Pradipta Ayu Reza Oktora Ayulia Nirwani Basith Sukarno, Hasbi Caniago , Fauzi Chitra Septiani Dani Galuh Permana De Keizer, Hendriady Dede Rohmat Deselyne Leslie, Lahengky Melinda Dewi Pramanik, Nuniek Dewi, Yeni Amanda Dilla Novi Dilla Novi Amelia Dwi Robiul Rochmawati EUIS HERNAWATI POLITEKNIK EUIS HERNAWATI POLITEKNIK Fadil Habiburahman Farina , Farin Taska Faujiah, Nabila Fauzany, Riffka Fenny Kurniati Fitria Zaharah, Mela Gunardi , Gunardi Gunardi Gunardi Gunawan, Alfaz Syihab Gunawan, Irfan Habiburahman, Fadil Hani Handayani Hasdilla Syafitri Hendriady de Keizer Hendriady de Keizer Hernawati, Euis Indrawan, Bisma Irfan Gunawan Irianti, N. Anti Nur Kamelia Kamelia Karyadi kesumah, priatna Krisna Eri Sutrisno Kunto Ajibroto Kurnia Pancawati Kusnadi, Hani Kustyanti Lestari, Ceri Linda Putri Lupita, Aprilia Maharani, Risca Marizca Amalia Maulana, Muhamad Chandra Maulida Khaerunnisa, Dila Meilani, Alya Sheila Muchamad Rifaldy Baitullah Mulya Mantri , Yaya Mulya Mantri, Yaya Nita Rustanti Nita Rustanti Nugraha, Muhamad Arya Nugraha NUNUNG, AI Nur Azizah Nur Rahma Khaliandri, Syalwa Nurdin, Jusuf Nurfadilah, Haifa Nurfadillah, Haifa NurFauziah, Raisya Fadillah Oktapiani, Syarah Pintu Batu, Shintya Rosalina Raden Wahyu Utomo Martianto Rakhmat Haryono Rakhmat Haryono Ranti Rosalina, Resmi Rena Nur Salehah Rifki Paturohman Rika, Putri Rini Susilowati Rohmah, Allika Arisandy Nur Rossana Amelia Said Bambang Nurcahya Salehah, Rena Nur Salsabila , Kania Syalwa Samsul Hadi Setiawan, M. Lutfi Shalva Marlina Shofi Sandi Aryanti Sholih, Dede Tazzudin, Muhamad Dimas Vella Azahra Putri Vella Azzahra Veranita, Mira Vina Maudina Viqry Reyfangga Praditama Wasti, Melan Wawan Hermawan Wawan Hermawan WILDAN NISPIANI Wiyanto , Wiyanto Wulan Zahra YUSUF, RAMAYANI Zahra, Fhadilla Zauzia Siti Zahra Zsabilla Zsafira Zsafira, Zsabilla