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FAKTOR-FAKTOR YANG MEMPENGARUHI KINERJA KEUANGAN BPR SYARIAH DI INDONESIA Sofyan, Mohammad
Sains Manajemen Vol 5, No 2 (2019): Jurnal Sains Manajemen
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/sm.v5i2.1862

Abstract

Tujuan dari penelitian ini adalah untuk menganalisis pengaruh Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), Biaya Operasional Pendapatan Operasional (BOPO), dan Return on Asset (ROA) sebagai proksi kinerja keuangan BPR Syariah di Indonesia periode tahun 2007-2018. Populasi penelitian adalah seluruh BPR Syariah di Indonesia. Data sekunder berupa data time series dari Statistik Perbankan Syariah 2007-2018. Analisis data menggunakan analsiis regresi linier berganda. Hasil penelitian menunjukkan bahwa CAR dan FDR berpengaruh positif terhadap ROA, BOPO berpengaruh negatif terhadap ROA, sedangkan NPF tidak berpengaruh terhadap ROA.Kata Kunci : BPR Syariah, ROA, CAR, BOPO, NPF, FDR
KEMAMPUAN RETENSI AIR DAN KETAHANAN PENETRASI TANAH PADA SISTEM OLAH TANAH INTENSIF DAN OLAH TANAH KONSERVASI Enny Dwi Wahyunie; Dwi Putro Tejo Baskoro; Mohammad Sofyan
Jurnal Ilmu Tanah dan Lingkungan Vol 14 No 2 (2012): Jurnal Tanah dan Lingkungan
Publisher : Departemen Ilmu Tanah dan Sumberdaya Lahan, Fakultas Pertanian, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (368.867 KB) | DOI: 10.29244/jitl.14.2.73-78

Abstract

Sebuah penelitian untuk mempelajari pengaruh jangka panjang sistem pengelolaan tanah terhadap ketersediaan air terkait dengan sifat-sifat tanah yang dilakukan di Darmaga Bogor. Penelitian ini dilakukan di daerah dengan sistem konvensional olah tanah intensif (OTI) dan sistem olah tanah konservasi (OTK) di lahan pertanian kering pada tanah liat (Oxic Dystrudepts) dengan rotasi tanaman semusim. Kedua sistem pengolahan tersebut telah diterapkan di daerah tersebut selama lebih dari 12 tahun. Karakteristik retensi air dan penetrasi tanah dari kedua sistem pengolahan dibandingkan. Sistem konvensional olah tanah intensif dapat mengurangi kandungan bahan organik tanah jika dibandingkan dengan pengolahan tanah konservasi. Kecenderungan serupa juga ditemukan untuk karakteristik retensi air. Kapasitas lapang, kapasitas air tersedia, dan kadar air tanah lebih rendah di OTI daripada di OTK, sedangkan penetrasi tanah lebih tinggi pada OTI dibanding OTK. Hasil pengamatan menyatakan bahwa secara relatif tingginya penetrasi tanah dalam profil tanah di bawah sistem olah tanah intensif karena adanya pemadatan sub soil.
Using Zmijewski Model in the Prediction of Financial Distress State-Owned Banking Pandoyo Pandoyo; Cundo Harimurti; Mohammad Sofyan
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 2 (2022): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i2.4866

Abstract

State-owned banking has a negative outlook due to asset quality challenges and difficulties in increasing revenue without taking additional risks due to the challenges of business models and difficult external conditions. The study aims to predict the financial health of state-owned banks with the Zmijewski model. This research is an analysis of secondary data based on the balance sheet of state-owned banks, namely: Bank Rakyat Indonesia, Bank Negara Indonesia, Bank Mandiri, and Bank Tabungan Negara, for the period 2017-2021 for financial distress predictions as measured by return on asset, debt ratio, and current ratio. Sampling method with saturated sampling. From the results of calculations with the Zmijewski model. It is known that the four state-owned banks are predicted to have financial difficulties and are at high risk of bankruptcy. Management must increase its current assets lest current debt exceeds the value of current assets owned. Increased liquidity in improving financial performance will improve the bank's performance.
Analysis of Factors Affecting Original Local Government Revenue of East Java Province Cundo Harimurti; Mohammad Sofyan
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 2 (2022): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i2.4930

Abstract

This study aims to analyze the factors that influence the original local government revenue of the province of East Java, namely: Population, gross regional domestic product, and inflation from 2015 to 2021. With multiple linear regression analyses, it is known that the Population has no significant negative effect on original local government revenue. Meanwhile, gross regional domestic product and inflation have a significant positive effect on original local government revenue.
Social Impact Management Assessment of Urban Flood is important-especially in Surabaya-Wonokromo and Surabaya-Brangkal Soleh Soleh; Mohammad Sofyan
Ilomata International Journal of Social Science Vol 1 No 2 (2020): April 2020
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (330.061 KB) | DOI: 10.52728/ijss.v1i2.80

Abstract

social assessment is a process that ensures that the execution of action reasonably informed and considered the critical social issues that are relevant, as well as providing a participation strategy for involving stakeholders at large. Socialization and Enforcement of laws and regulations related to particularly riverside following the normalization of physical development plan/development Wonokromo River flood control infrastructure and Brangkal should use a local culture aligned with the socio-economic, gender, and education of local people issues social surfaced in every area of study and assessment of the following community expectations and their advice on the results of the social assessment. In light of this, it expected that pre-construction, construction, and post-construction could be well supported by social security by the carrier the benefit of both the public, private, and government.
Analysis of Scholarship Program for Strengthening the Reforming Institution BPKP Mohammad Sofyan; Soleh; Tjiptadi; Deni Sutisna
Ilomata International Journal of Social Science Vol 1 No 2 (2020): April 2020
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (304.766 KB) | DOI: 10.52728/ijss.v1i2.88

Abstract

The purpose of the Scholarship Program for Strengthening the reforming institution (SPIRIT) is to build the capacity of participating institutions by (i) strengthening human resources in critical functional areas; and (ii) improving their ability to start and manage reforms. The study showed that the Transfer of Knowledge by the SPIRIT Alumni in the Unit of work could not be measured objectively. Transfer Knowledge conducted by SPIRIT alumni is generally informally to complete the work is judged to have a relatively high difficulty level of SPIRIT Alumni are usually able to apply their knowledge and skills with teammates/colleagues in their units.
The Merging of Gojek and Tokopedia Forms Go To. Is This a Threat to National Banking and Fintech? Harimurti, Cundo; Sofyan, Mohammad
INTERNATIONAL JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND SOCIAL SCIENCE (IJEMBIS) Vol. 2 No. 3 (2022): September 2022
Publisher : CV ODIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59889/ijembis.v2i3.380

Abstract

This research aims to examine various literature which is used synthetically to explain the phenomenon of the merger of Gojek and Tokopedia into GoTo which is predicted to be a challenge for national banks and fintech in lending. The research results show that Banking and fintech have different characteristics but target the same market niche. Fintech has disrupted various economic activities, including the financial sector. The role of fintech, which is quite large and very flexible, needs to be addressed as an enabler, not as a competitor in the financial sector. So, the financial sector needs to collaborate with fintech in providing financial services or creating new products for consumers.
Motivation of Employee Cooperative Members in Increasing Income : A Case Study on the Employee Cooperative of PT. Independent Premier Eagle Supriyanto; Sofyan, Mohammad
INTERNATIONAL JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND SOCIAL SCIENCE (IJEMBIS) Vol. 4 No. 2 (2024): May 2024
Publisher : CV ODIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59889/ijembis.v4i2.407

Abstract

This study aims to find out and analyze the motivation of Kopkar members of PT. Elang Perdana Mandiri by exploring the desires, roles, and benefits of employee cooperative members in improving the welfare of members and how joint efforts in the cooperative create a better future; in this scientific paper, I take the example of one of the employee cooperatives in the Citeureup sub-district area, Bogor Regency, namely the PT Elang Perdana Mandiri Employee Cooperative, considering that employee cooperatives have become a growing phenomenon in various industries and is expected to be a model of multiple ownership and participation of members in decision-making of Cooperative Organizations. We use a study approach by applying a qualitative method by conducting field observations and direct interviews with several parties who are directly involved in the employee cooperative; the employee cooperative of PT Elang Perdana Mandiri has succeeded in creating financial sustainability, improving the welfare of its members, and motivating them to take an active role in the management of the PT Elang Perdana Mandiri Employee Cooperative organization. Through interviews, surveys, and data analysis, a strategy and practice used by this cooperative to advance PT Elang Perdana Mandiri Kopkar was obtained. From the data on the number of 868 members, active members participated in the savings and loan unit as many as 662 people (76.3%), active transactions at stores as many as 644 people (76.2%), while members who saved in cooperatives as many as 721 people (83%) with a total deposit of IDR 2,460,187,998, - or 10.9% of the total assets owned by the cooperative as of September 2023 amounted to IDR 22,604,914,808,-. The results of the study show that through the active participation of cooperative members, skill development and promotion of cooperation and education are the primary targets to improve knowledge and skills not only for managers but also for members' insights into cooperative organization activities so that they members are increasingly committed to maintaining, developing, and utilizing cooperatives as a forum to carve hope towards prosperity. The motivation of members to do entrepreneurship and cooperate with cooperatives is still relatively high. The data of members who collaborate with cooperatives currently consists of cooperation in selling MSE products, with as many as 32 members (4%) of the total members, which made the author conduct research. The findings of this study provide valuable insights for other cooperative organizations that want to implement the employee cooperative model to create brighter expectations in the future.
Pengaruh Fakultas, IPK, dan Jenis Kelamin Terhadap Tingkat Literasi Keuangan Mahasiswa Institut STIAMI Jakarta Andrayanti, Iin; Sofyan, Mohammad
JURNAL EKONOMI, MANAJEMEN, BISNIS, DAN SOSIAL (EMBISS) Vol. 3 No. 3 (2023): Mei 2023
Publisher : CV ODIS

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

Abstract

This study aims to examine the influence of Faculty, GPA, and Gender on the level of financial literacy of students at the STIAMi Jakarta Institute of Social Sciences and Management. To obtain the required data, data collection in the form of a questionnaire was used. The respondents studied were 100 FIA and Non-FIA students. Data analysis technique with Binary Logistic Regression Analysis. Based on the results of the study, shows that the Faculty influences the level of financial literacy of students in the Faculty of Administrative Sciences, Institute of Social Sciences and Management, STIAMI, Jakarta. Students of the Faculty of Administrative Sciences have a better level of financial literacy compared to students other than the Faculty of Administrative Sciences. GPA does not affect the level of financial literacy of students in the Faculty of Administrative Sciences, STIAMI Institute of Social Sciences and Management, Jakarta. Students with GPA > 3.00 have a better level of financial literacy than students with GPA < 3.00. and gender does not affect the level of financial literacy of undergraduate students in the Faculty of Administrative Sciences (FIA) STIAMI Institute of Social Sciences and Management, Jakarta. A person's ability and intelligence in managing his finances are not determined by his genderThis study aims to examine the influence of Faculty, GPA, and Gender on the level of financial literacy of students at the STIAMi Jakarta Institute of Social Sciences and Management. To obtain the required data, data collection in the form of a questionnaire was used. The respondents studied were 100 FIA and Non-FIA students. Data analysis technique with Binary Logistic Regression Analysis. Based on the results of the study, shows that the Faculty influences the level of financial literacy of students in the Faculty of Administrative Sciences, Institute of Social Sciences and Management, STIAMI, Jakarta. Students of the Faculty of Administrative Sciences have a better level of financial literacy compared to students other than the Faculty of Administrative Sciences. GPA does not affect the level of financial literacy of students in the Faculty of Administrative Sciences, STIAMI Institute of Social Sciences and Management, Jakarta. Students with GPA > 3.00 have a better level of financial literacy than students with GPA < 3.00. and gender does not affect the level of financial literacy of undergraduate students in the Faculty of Administrative Sciences (FIA) STIAMI Institute of Social Sciences and Management, Jakarta. A person's ability and intelligence in managing his finances are not determined by his gender
Pengaruh Layanan COD dan Consumer Review Terhadap Keputusan Pembelian : Studi Kasus pada Pembelian Produk Wardah Cosmetics di Shopee Fitria, Dini Irma; Jati, Dwi Astuti Sekar; Muthi’ah, Firyal Luthfi; Sofyan, Mohammad; Ayu, Renisya
JURNAL EKONOMI, MANAJEMEN, BISNIS, DAN SOSIAL (EMBISS) Vol. 4 No. 1 (2023): November 2023
Publisher : CV ODIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59889/embiss.v4i1.279

Abstract

This study aims to determine the effect of social media advertising and impulse buying on purchasing decisions for Scarlett Whitening products. This study uses a quantitative approach with a population of Scarlett Whitening consumers in Scarlett Whitening e-commerce Shopee users. The sampling technique used purposive sampling method by taking samples through questionnaires distributed online. The sample was distributed to 109 respondents according to the research criteria. Data analysis technique using multiple regression. The results of the study explained that simultaneously social media and Impulse Buying influenced the purchase decision of Scarlett Whitening Products by 64.2%. Partially, social media has a significant influence on the purchase decision of Scarlett Whitening Products by 51% and impulse buying also has a significant influence on the purchase decision of Scarlett Whitening Products by 13.2%.