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All Journal Jurnal Ilmiah Ekonomi Islam Indonesian Journal of Islamic Business and Economics (IJIBE) Jurnal Ilmu Ekonomi dan Bisnis Islam Jurnal Pengabdian Masyarakat (ABDIRA) Ijtimā`iyya: Journal of Muslim Society Research Mabsya: Jurnal Manajemen Bisnis Syariah Jurnal Ekonomi, Bisnis dan Manajemen Populer: Jurnal Penelitian Mahasiswa Profit: Jurnal Manajemen, Bisnis dan Akuntansi Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Jurnal Pengabdian Masyarakat Bangsa Miftah JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Wealth: Journal of Islamic Banking and Finance Adidaya : Jurnal Aplikasi Pendidikan dan Sosial Budaya
Yoiz Shofwa Shafrani, Yoiz Shofwa
STAIN Purwokerto
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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PENGARUH NPF, CAR, BOPO, INFLASI DAN KURS RUPIAH TERHADAP RETURN ON ASSETS (STUDI KASUS PT BANK MUAMALAT INDONESIA, TBK. PERIODE 2015-2019) Shafrani, Yoiz Shofwa; Lestari, Azhlia Dyah
Indonesian Journal of Islamic Business and Economics (IJIBE) Vol 2 No 1 (2020): IJIBE
Publisher : Islamic Economic Scholar Association and Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.ijibe.2020.2.1.3006

Abstract

Penelitian ini dilakukan untuk menguji pengaruh variabel Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Biaya Operasional Pendapatan Operasional (BOPO), Inflasi, dan Kurs Rupiah terhadap Return On Asset (ROA) pada Bank Muamalat Indonesia periode 2015-2019. Penelitian ini merupakan penelitian kuantitatif. Jenis data yang digunakan yakni data primer berupa laporan keuangan triwulan dan tahunan yang diperoleh dari website resmi Bank Muamalat dari tahun 2015-2019. Metode analisis yang digunakan adalah uji asumsi klasik, analisis regresi linier berganda, uji hipotesis, dan koefisien determinasi. Selama periode pengamatan menunjukkan bahwa data penelitian berdistribusi normal. Berdasarkan uji multikolinieritas, uji autokorelasi, uji normalitas, dan uji heteroskedastisitas, tidak ditemukan variabel yang menyimpang dari asumsi klasik. Hal ini menunjukkan data yang tersedia telah memenuhi syarat menggunakan model persamaan regresi linier berganda. Dari hasil penelitian dapat disimpulkan bahwa berdasarkan hasil uji secara parsial (uji t), variabel NPF, CAR, dan Kurs Rupiah tidak berpengaruh signifikan terhadap variabel ROA. Sedangkan variabel BOPO dan Inflasi berpengaruh signifikan terhadap variabel ROA. Kemudian berdasarkan hasil uji secara simultan (uji f), kelima variabel tersebut yaitu NPF, CAR, BOPO, Inflasi, dan Kurs Rupiah secara bersamaan berpengaruh signifikan terhadap ROA.
Analysis of Customer Satisfaction from Service Quality Dimensions Using Fuzzy-Carter Method (A Case Study at Bprs Khasanah Ummat Purwokerto) Selitri Melina; Shafrani, Yoiz Shofwa
Wealth: Journal of Islamic Banking and Finance Vol. 1 No. 1 (2022)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v1i1.7001

Abstract

The primary goal of a business is to satisfy customers, so the caliber of this service has a significant impact on the success of a service company, specifically the creation of a sense of satisfaction with the services provided, where this will foster a loyal attitude of its customers and encourage positive and encouraging word of mouth as an assumption of customer satisfaction. By assessing the value gap between the services obtained and the standard of service expectations by clients, this researcher investigates the quality of services offered by BPRS Khasanah Ummat. This kind of research comprises quantitative associative research using the Fuzzy-CARTER approach to examine the connection between the caliber of services rendered and client satisfaction. The sample of this research is 286 active customers. The study's findings indicate that: 1) the level of customer satisfaction is measured across six CARTER dimensions, five of which customers are satisfied, namely compliance, assurance, reliability, tangibles, and responsiveness, but customers are not satisfied with the service on the dimension of empathy, indicating that improvements must be made by paying more attention to and understanding customer needs. 2) The overall level of customer satisfaction with service quality is good, and there is no gap between perceived perceptions and customer expectations.
Acculturation of Javanese Islam and Mapalus Culture in The Development of Islamic Economic Tradition in Tondano Hadi, Rahmini; Shafrani, Yoiz Shofwa; Nurhayati, Laily
Ijtimā iyya Journal of Muslim Society Research Vol. 9 No. 1 (2024)
Publisher : Postgraduate, State Islamic University Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ijtimaiyya.v9i1.12459

Abstract

Diversity allows the emergence of merging existing cultures into a new culture that does not take away the essence of the previous culture. The success of Tondano Javanese Village in maintaining the existence of economic traditions, especially in the agricultural sector, also plays a role in balancing the economy in the Tondano region. Mapalus is synonymous with the life cycle of the Minahasa community which is closely related to religious values. Development of Javanese Islam in Tondano began to occur after the group of Kiai Mojo and his followers consisting of approximately 60 men, established an association place for them to settle and live there, namely "Kampung Java". In addition, the development is also getting stronger after they are in a relationship assimilation through marriage with indigenous Minahasa women who at that time the majority adhered to Christianity. The Muslim community living in Minahasa influenced the development of the existing mapalus uyang culture. Mapalus is a form of local wisdom of the indigenous people of Tondano adapted by the Muslim community from Java. Then from Joanne et al (in Senduk, 2016) Added one other form of mapalus, namely arisan. This Arisan is one of the prominent forms of social interaction between members of the North Minahasa community. Its function is to help each other in the economic field based on family values. In general, this social gathering is one of the associations in terms of distributing funds. This concept is in great demand by the lower middle class because it is considered easy to fulfill one's direct desires, so it is considered to be able to pay in installments (Muhaisin & Syarbaini, n.d.). In practice, the forms of the collection also vary, such as money, groceries, jewelry, building materials, etc. Unlike the arisan practice implemented in Tondano Java Village, the form is an association to be able to divide work into agricultural and plantation activities. So in each activity, the agricultural and plantation production process will be divided based on its working group
Perceptual Mapping Warung Makan Upnormal dalam Pasar Warung Makan Kekinian di Purwokerto Shafrani, Yoiz Shofwa; Sochimin, Sochimin
Mabsya: Jurnal Manajemen Bisnis Syariah Vol. 4 No. 1 (2022): Mabsya: Jurnal Manajemen Bisnis Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/mabsya.v4i1.6376

Abstract

The development of the culinary business, especially restaurants/restaurants in Indonesia, can be seen from the increasing number of restaurants in Indonesia. The success of restaurants in attracting consumers is the presence of flavors that can adjust to consumer tastes, strategic locations, quality facilities and services and appropriate prices. In 2017 to 2018 in Purwokerto, starting with the emergence of Warunk Up Normal, then many restaurants with modern nuances emerged that added several supporting facilities. Realizing this, every company must be able to compete to attract consumer interest and first must know the position of its product compared to other restaurant products so that it can make the right strategy. To find out the position of the product, it is necessary to do a perceptual mapping, which is a quantitative analysis tool that can represent the position of the products. Observations on the phenomena that occurred in the six restaurants studied, namely Warunk UpNormal, Dapoer Prambanan, Nyong Kopitiam, #WKWK, Warung Ngapak and Level Up and distributed questionnaires to respondents. Data is analyzed using the multidimensional scaling method which is intended to determine the distribution or position and competition that occurs based on consumer decision-making factors in purchasing. The results showed that the position of the restaurant that experienced competition seen from the consumer decision-making factor was the attribute or price factor and facilities.
Analisis Penerapan Balanced Scorecard Pada Kinerja Karyawan Bank BRI Unit Sokaraja Tengah Julianti, Taliyah; Puspitaningrum, Devi; Hasna, Amelia Nilal; Shafrani, Yoiz Shofwa
Populer: Jurnal Penelitian Mahasiswa Vol. 4 No. 1 (2025): Jurnal Penelitian Mahasiswa
Publisher : Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/populer.v4i1.3396

Abstract

This study aims to explore the implementation of the Balanced Scorecard (BSC) through the digital system "MyCore" in measuring and improving employee performance at Bank BRI Unit Sokaraja Tengah. Using a descriptive qualitative approach, data were collected through semi-structured interviews with key informants, observations of work practices, and analysis of internal documents (performance reports, SOPs). Data analysis was carried out through data reduction, data presentation, and drawing conclusions with verification through source triangulation. The research findings indicate that the "MyCore" system integrates four BSC perspectives (finance, customer, internal business process, learning & growth) with specific performance indicators that affect incentives and career development. The financial and customer perspectives appear to have a strong emphasis, reflected in the direct impact on incentives and bonuses. The implementation of internal business processes is supported by standardization through MyCore and technology adoption. The importance of the learning and growth perspective is realized through regular training programs and bootcamp interventions for low-performing employees, which have proven effective in improving subsequent evaluation scores. In general, the implementation of the BSC via MyCore creates a structured, transparent, and adaptive assessment mechanism, encouraging productivity and professionalism. The implications of this study emphasize the importance of a transparent performance evaluation system that has a direct impact on career development and incentives, while also demonstrating the effectiveness of structured interventions in improving employee performance at the micro banking unit level.
Analisis Kompetitif Bank Syariah Karang Kobar Melalui Pendekatan Porter’s Five Forces Fathonah, Aenia Latif; Pratami, Luthfi Ranawati; Depisari, Unik; Shafrani, Yoiz Shofwa
Populer: Jurnal Penelitian Mahasiswa Vol. 4 No. 1 (2025): Jurnal Penelitian Mahasiswa
Publisher : Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/populer.v4i1.3425

Abstract

This study aims to analyze the competitive advantage strategy of Islamic Banks using the Porter's Five Forces approach, which is used to understand the competitive position of Islamic Banks in facing the dynamics of the financial industry that continues to grow. This study includes qualitative research methods with the approach of Field research and Library research, which are supported by interviews or observations as the main data collection techniques. The results of the study indicate that the Threat of New Entrants BSI Karang Kobar is aware of the threat of new entrants and faces internal challenges, especially in the marketing aspect which is still low. Customer strength is shown through the influence of satisfaction with products and employee behavior on loyalty, especially on flagship products such as KPR, gold installments, and micro financing. Supplier strength shows that there is a great opportunity for suppliers to establish partnerships with Islamic financial institutions. The threat of substitute products has not been found directly, but digital transformation to the Byond By BSI platform is a concern. In industrial competition, BSI Karang Kobar admits that it still faces challenges, such as limited economies of scale compared to conventional banks. Thus, the application of sharia principles in the formulation of business strategies allows Islamic banks to build customer loyalty and create sustainable competitive advantages. Porter's Five Forces approach has proven to be relevant and effective in helping Islamic banks formulate adaptive and valuable strategies in facing competition in the modern financial industry.
Analisis Strategi Pengembangan Koperasi LKMS Amanah Berkah Nusantara dengan Pendekatan Matriks Space Nuriyah, Armida Arka; Rahmadiani, Arzanti; Zuhela, Salma; Shafrani, Yoiz Shofwa
Populer: Jurnal Penelitian Mahasiswa Vol. 4 No. 2 (2025): Jurnal Penelitian Mahasiswa
Publisher : Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/populer.v4i2.3446

Abstract

In order to provide financial access to groups in society that are not yet fully served by formal financial institutions, cooperatives have become very important. LKMS Amanah Berkah Nusantara Cooperative is one example of a sharia cooperative, with a non-profit model and a strong social orientation, this cooperative is here to be a solution to financial problems in the business being run. The cooperative needs to be more adaptive in strategizing its development in the face of changes in the current external environment. This research uses the Matrix Space approach, measuring four dimensions, namely financial strength, competitive advantage, industry strength and external environmental stability. As a result, Amanah Berkah Nusantara MFI Cooperative is in an aggressive strategy position as shown through the calculation of space coordinates (X = 4; Y = 0.67), which means that the cooperative has significant strengths in industrial strength and fairly good environmental stability, although it still faces challenges in terms of internal efficiency and technological competitiveness. The most recommended strategy is an active growth strategy that includes regional expansion outside the sub-district, strengthening the inetrnal digitalization system, and differentiating services through intensive assistance to customers
Strategi Pengembangan Bisnis Dengan Menggunakan Matriks Ansoff Pada Bank Mandiri Cabang Banjarnegara Sabana, Hesti; Ismaya, Nesha; Nandisa, Alfath Shofa; Shafrani, Yoiz Shofwa
Profit: Jurnal Manajemen, Bisnis dan Akuntansi Vol. 4 No. 2 (2025): Profit : Jurnal Manajemen, Bisnis dan Akuntansi
Publisher : UNIVERSITAS MARITIM AMNI SEMARANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/profit.v4i2.3347

Abstract

This research discusses the business development strategy of Bank Mandiri Banjarnegara Branch using Ansoff Matrix as the main analysis tool. The issue raised is how this branch designs and implements growth strategies amidst banking industry competition and local challenges, such as limited digital infrastructure and customer characteristics. The research objective was to describe the implementation of the four Ansoff Matrix strategies, namely market penetration, market development, product development, and diversification, in the context of branch operations. Qualitative descriptive research was used, with data collection through interviews, observation, and documentation. The results showed that Bank Mandiri Banjarnegara Branch implemented market penetration strategy through active promotion and service improvement, market development strategy by cooperating with customers as mini ATM partners, product development strategy through customer needs survey, and diversification strategy with strict risk mitigation. The conclusion of this study confirms that the application of Ansoff Matrix in a structured manner is able to assist branches in facing competition and optimizing business growth opportunities in non-metropolitan areas.
Analisis Strategi Bersaing Pada KSPPS Hanada Quwais Sembada Kebasen Menggunakan Competitive Profile Matrix (CPM) Rahmawati, Safira Aulia; Nurazizah, Khofifah; Maula, Muhammad Ihza; Shafrani, Yoiz Shofwa
Profit: Jurnal Manajemen, Bisnis dan Akuntansi Vol. 4 No. 2 (2025): Profit : Jurnal Manajemen, Bisnis dan Akuntansi
Publisher : UNIVERSITAS MARITIM AMNI SEMARANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/profit.v4i2.3423

Abstract

This study examines the competitive strategy of KSPPS Hanada Quwais Sembada Kebasen amidst intense competition in the microfinance sector, particularly against BPR Bank Surya Yudha Patikraja and PNM Mekar Sampang, which have advantages in technology and service coverage. This theme is chosen due to the importance of understanding the competitive position of community-based Islamic cooperatives to remain viable in the local market. This research employs a case study method with a qualitative descriptive approach. Data collection is conducted through interviews, observations, and documentation, which are then analyzed using the Competitive Profile Matrix (CPM) tool to assess the strengths and weaknesses of KSPPS Hanada relative to its main competitors, based on key factors such as market reputation, service quality, territorial coverage, product innovation, and technology utilization. The research findings indicate that KSPPS Hanada Quwais Sembada has advantages in market reputation, personalized service quality, and closeness to its members, but still lacks in territorial coverage and digital technology adoption. In conclusion, KSPPS Hanada Quwais Sembada needs to enhance innovation and service digitalization to compete better in the increasingly dynamic microfinance sector..
Strategi Pemasaran Menggunakan Analisis Ansoff Dalam Meningkatkan Pemasaran Produk di Pegadaian Kantor Cabang Purwokerto Zeliana, Aura Nadisha; Shafrani, Yoiz Shofwa; Saputri, Imel Nurul; Fernansyah, Nio Kenshi Pratama
Profit: Jurnal Manajemen, Bisnis dan Akuntansi Vol. 4 No. 2 (2025): Profit : Jurnal Manajemen, Bisnis dan Akuntansi
Publisher : UNIVERSITAS MARITIM AMNI SEMARANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/profit.v4i2.3445

Abstract

Pegadaian is one of the Islamic financial institutions in Indonesia that continues to expand its market share through various marketing strategies. This study aims to analyze the market penetration strategies implemented by Pegadaian and identify the efforts that can be made to increase customer interest. The research method used is descriptive qualitative with a literature study approach from various accredited national journals in the last five years, as well as document analysis related to Pegadaian marketing strategies. The results of this study reveal that Pegadaian market penetration strategy is carried out through the optimization of digital promotion, the development of innovative products and services, and the improvement of financial literacy in society. Digital promotion strategies are carried out by utilizing social media and other online platforms to increase product awareness and education to the general public. In addition, product development such as Arrum Haji and Tabungan Emas has become an effective innovation in meeting market needs. Pegadaian is also actively conducting financial education through seminars, workshops, and outreach programs as a form of improving financial literacy and customer loyalty. These three strategies have consistently proven to attract new customers, increase loyalty, and strengthen Pegadaian position amidst the competition in Islamic financial institutions. This research contributes to enriching the study of marketing strategies for Islamic financial institutions, particularly in the pawnshop sector. The novelty of this research lies in the systematic and detailed mapping of Pegadaian market penetration strategies based on the latest literature.
Co-Authors Aflah, Nafilah Alfarisi, Akmal Aziz Ana Rahmawati Ani Rohanah Argianto, Rifqi Tegar Ashfa, Muhammad Aqila Astuti, Sonia Salma Widi Aviana, Nagita Lyra Ayuni, Titi Salma Azahra, Dian Fatimah Azmi, Muhammad Ikhfal Baetisalamah, Nadiva Amelia Baihaqi, Muhammad Ramadhan Cahyani, Agustin Tri Cery, Cery Danu, Kukuh Prima Depisari, Unik Destiana, Diah Sari Dewi, Nurul Fazriyanti Aulia Evridanisa, Nayla Cahya Fariha, Zulfia Nur Fathonah, Aenia Latif Fauzi, Hafiz Zaki Fernansyah, Nio Kenshi Pratama Findianingsih, Arisa Fitriana, Novika Nur Fitriani, Ahwat Galadea, Aflakha Filosofi Hasna, Amelia Nilal Hasnita, Yuliana Nur Humeriatunnisa, Asky Husen, Saadilah Amril Husendar Husnia, Atika Ismaya, Nesha Ismiati Ismiati Isnaeni, Devit Ruman Istiqomah, Laela Nur Julianti, Taliyah Khasanah, Anisa Cahyawiru Kurniawan, Pandu Lestari, Azhlia Dyah Lili Erlina Maula, Muhammad Ihza Maulida, Indah Ilma Melani, Niken Mukarromah, Laili Munawaroh, Nur Ismawati Nafila, Isna Nandisa, Alfath Shofa Ningrum, Adelia Cahya Nisa, Sofaratun Nugroho, Nur Islami Dwi Nurazizah, Khofifah Nurhaliza, Putri Amellia Nurhayati, Laily Nuriyah, Armida Arka nurul khotimah Odilien, Rizka Ayu Okty Oktaviani, Widya Oktavianingsih, Wiji Parmono, Aldi Dwi Pransiska, Ega Pratami, Luthfi Ranawati Puspitaningrum, Devi Putri, Dewi Ayu Maharani Putri, Dina Alliah Anggreani Putri, Nadiya Berliana Putri, Nindita Septiana Qoyyafa, Falliza Mauliya Rahma, Raysha Aura Rahmadiani, Arzanti Rahmawati, Safira Aulia rahmini hadi Rahmini hadi Raihan, Ziddan Ni’am Ramadhanti, Salsabilla Ramanda, Nanang Aziz Sabana, Hesti Salsabila, Mischel Saputra, Aditya Gilang Saputri, Andina Velisha Saputri, Imel Nurul Sari, Sinta Kartika Seftiani, Afifah Tri Selitri Melina Sendy, Debby Laura Septianingsih, Leny Setyamien, Salsabila Khairunisa Sharunh, Mohammad Rizna Sholihah, Najwa Aulia Siwi, Sri Rahayu Sochimin Sochimin Sulasih Sulasih Ulfi, Lie Aulia Wahyuningtyas, Ida Puspitarini Weni Novandari Wulandari, Lutfiah Zahrotunnida, Nabila Zeliana, Aura Nadisha Zuhela, Salma Zuhwa, Unfah Ziyan