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All Journal JURNAL RELASI STIE MANDALA JEMBER WIDYA LAKSANA JABE (Journal of Applied Business and Economic) JMBI : Jurnal Manajemen Bisnis Dan Informatika MODERAT: Jurnal Ilmiah Ilmu Pemerintahan Jurnal Pengabdian kepada Masyarakat Jurnal Ilmiah Ekonomi dan Manajemen Relasi : Jurnal Ekonomi JEBD TGO Journal of Community Development Jurnal Pengabdian Masyarakat Journal of Business Economics and Management Welfare: Jurnal Pengabdian Masyarakat Journal of Management ABM: International Journal of Administration, Business and Management
Hayatul Maspufah
Institut Teknologi Dan Sains Mandala
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Implications of Net Stable Funding Ratio (NSFR) on Islamic Bank Margins and Earning Management Practices: A Systematic Literature Review Yuniorita Indah Handayani; Muhaimin Dimyati; Hayatul Maspufah; Nurshadrina Kartika Sari
ABM: International Journal of Administration, Business and Management Vol 8 No 1 (2025): June 2025 - November 2025
Publisher : LPPM Institut Teknologi dan Sains Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31967/abm.v8i1.1680

Abstract

The implementation of the Basel III Net Stable Funding Ratio (NSFR), although aimed at improving financial stability, has the potential to reduce Islamic bank margins and encourage profit management practices due to funding structure mismatches. This study aims to analyze and synthesize the literature on the implications of NSFR on margins and profit management practices in Islamic banking. Using the Systematic Literature Review (SLR) method based on PRISMA 2020 (Preferred Reporting Items for Systematic Reviews and Meta-Analyses) for articles published between 2020 and 2025, the data were analyzed through narrative synthesis. The synthesis results show that NSFR causally suppresses profit margins through increased funding costs. Based on agency theory, this pressure on profitability creates a strong incentive for managers to engage in earnings management as a strategic response. This study formulates a conceptual framework that integrates liquidity regulations, financial performance, and managerial behavior.
Assistance in Strengthening MSME Financial Records through the Smart Cashier Application Hamzah Fansuri Yusuf; Agustin Hari Prastyowati; Hayatul Maspufah; Dwi Ratnasari
TGO Journal of Community Development Vol. 4 No. 1 (2026): January - June
Publisher : Trescode Green Organization

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56070/jcd.v4i1.391

Abstract

The financial recording assistance activity for MSMEs in Sumberejo Village, Ambulu District, Jember Regency in August 2025 aims to improve business administration skills through the implementation of the Smart Cashier Application. The methods used include the stages of planning, implementation, and evaluation with qualitative-based data analysis. The results of the activity show that MSMEs are able to switch from manual recording to more accurate and structured digital recording. Participants can monitor daily cash flow as well as compile simple financial statements that support business decision-making. The discussion emphasized that mentoring not only provides technical skills, but also forms a new mindset in business management. Technical constraints such as device limitations and differences in initial understanding can be overcome through hands-on methods and intensive guidance. An important finding from this activity is a change in the behavior of MSME actors in managing finances, increasing awareness of transparency, and increasing confidence in running a business. In addition, this activity supports research on the digitalization of MSMEs and shows that community-based interventions are effective in strengthening the foundations of business sustainability. Thus, technology-based assistance is an important strategy to increase the competitiveness of MSMEs at the local level.
Pengaruh Kualitas Produk, Kualitas Pelayanan,Harga, Promosi Dan Lokasi Terhadap Keputusan Pembelian Pada Mixue Di Jember Nuril Auwalin; Nely Supeni; Hayatul Maspufah
Jurnal Ekonomi dan Bisnis Digital Vol. 2 No. 4 (2025): April - Juni
Publisher : CV. ITTC INDONESIA

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Abstract

This study was conducted to determine the influence of Product Quality, Service Quality, Price, Promotion, and Location on Purchase Decision at Mixue Patrang Jember. The research data were obtained through the distribution of questionnaires to respondents who had made purchases at Mixue. The sampling method used was non-probability sampling with a purposive sampling technique. The population in this study consisted of consumers of Mixue Patrang Jember, with a total sample of 60 respondents. The data analysis techniques used included Validity Test, Reliability Test, Normality Test, Multicollinearity Test, Heteroscedasticity Test, Coefficient of Determination Test, t-test, and F-test, as well as multiple linear regression analysis with the help of SPSS Version 25. The results of the study show that partially, the variables Product Quality and Price have a significant influence on purchase decisions, while Service Quality, Promotion, and Location do not have a significant effect. However, simultaneously, all five variables significantly influence purchase decisions at Mixue Patrang Jember.
Analisis Pengaruh Harga, Kualitas Pelayanan, Lokasi, Promosi Dan Fasilitas Terhadap Kepuasan Konsumen Pada Semoenailstudio Jember Yohanes Fredy Wijaya; Haifah; Hayatul Maspufah
Journal of Business Economics and Management | E-ISSN : 3063-8968 Vol. 2 No. 1 (2025): Juli - September
Publisher : GLOBAL SCIENTS PUBLISHER

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Abstract

This study aims to determine and analyze the partial and simulaneous effect on price,location service quality, promotion and facility on consumen satisfaction at Semoenailsstudio. The research method used is quantitative. The population involve the whole consumen at Semoenailsstudio, the sample was 60 people with purposive sampling. The analysis used includes , classical assumption test, multiple linear regression analysis, determination R2 and hypothesis test. Based on the result of the analysis, this study shows that the F test of the variables of price, location quality, promotion and facility had a simultaneous effect on consumen satisfaction. Meanwhile, the results of the t-test research in this study showed that the variables of service quality had a positive and significant effect on consumen satisfaction . while the variables price , promotion and facility on consumen satisfaction.
Pengaruh Motivasi, Kompensasi, Gaya Kepemimpinan, Organization Citizenship Behavior (OCB), dan Disiplin Kerja terhadap Kinerja Karyawan Perhutani TPG 6 Petung Jember Shevia Ichi Syahbana; Hayatul Maspufah; Mustofa Mustofa
Journal of Business Economics and Management | E-ISSN : 3063-8968 Vol. 3 No. 1 (2026): Juli - September
Publisher : GLOBAL SCIENTS PUBLISHER

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Abstract

The productivity of pine resin tappers is an important factor in supporting non-timber forest product management at Perum Perhutani. Human resource factors, including work motivation, compensation, democratic leadership style, Organizational Citizenship Behavior (OCB), and work discipline, are considered to influence employee performance. This study aims to analyze the effect of these variables on the performance of pine resin tappers at Perum Perhutani TPG 6 Petung, Jember. This research employed a quantitative approach using saturated sampling involving 95 active pine resin tappers. Data were analyzed using multiple linear regression supported by validity, reliability, classical assumption, t-test, and F-test analyses. The results show that work motivation, compensation, democratic leadership style, Organizational Citizenship Behavior (OCB), and work discipline have a positive and significant effect on employee performance, both partially and simultaneously. These findings indicate that improving human resource management is essential for enhancing the performance of pine resin tappers.
Co-Authors Agustin Hari Prastyowati Agustin HP, Agustin Amien Pudjanarso Anggun Elok Faikotul Hikmaha Dwi Ratnasari Haifa Haifa Haifa Haifah Haifah Haifah Haifah, Haifah Hamzah Fansuri Handayani, Yuniorita Indah Hary Sulaksono Hidayah, Tamriatin Muhaimin Dimyati Mustofa Mustofa Mustofa Mustofa Nely Supeni Nely Supeni Nuril Auwalin Nurshadrina Kartika Sari Putra, Ihrom Caesar Ananta Rakhmawati, Ratih Rani Nofi Susanti Saiful Amin Salahudin Salahudin Shevia Ichi Syahbana Stevanus Rojer Alvando Wiwik Fitria Ningsih Yohanes Fredy Wijaya Yuliatin Azizah Yuniorita Indah Handayani