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Sharia Banking’s Profit Loss Finance in the Context of ASEAN Economic Community Ningsih, Mardhiyatur Rosita
Shirkah: Journal of Economics and Business Vol 1, No 1 (2016)
Publisher : Faculty of Islamic Economics and Business, Institut Agama Islam Negeri (IAIN) Surakarta

The paper aims to analyze the problems of profit and loss sharing financing is conducted through literature and interviews with funding customers, islamic bankers and entrepreneurs. The result show that profit oriented, lack of trust in the abilities of partners, moral hazard, mismanagement and lack of syariah product information. So, give Incentive for funding customers, incentive compatible constraint, involved effort in spiritual and intellectual expected may help small and medium enterprises to face ASEAN Economic Community. Keywords: ASEAN Economic Community, profit and loss sharing financing, small and medium enterprises

FINANCIAL ACCESSIBILITY OF SMALL AND MEDIUM ENTERPRAISE (SMES) IN SURAKARTA CITY Hakim, Muhammad Luqman; Ningsih, Mardhiyatur Rosita
JIFA (Journal of Islamic Finance and Accounting) Vol 3, No 1 (2020)
Publisher : IAIN Surakarta

Small and Medium Enterprise (SMEs) is priority economics sector until 65 percent in Indonesia. It had been priorities focus of government policy to financial access in banking helped SMEs. The research is aim to analyze the influence of SMEs Characteristic, Financial Literacy, and Lending Term toward Financial Accessibility SMEs in Surakarta city. The research had sample from SMEs registered in SMEs government in Surakarta city is 100 sample. Sample of the research with proportionate stratified random sampling technique. Methodology in this research is regression. The Result of this research state that the SMEs Characteristics, Financial Literacy, and Lending term positif toward Financial Accessibility.Keyword: Financial Accessibility, Financial Literacy, Lending Term, SMEs Characteristics JEL Classification Codes: G32, L22,L26,

Sharia Banking’s Profit Loss Finance in the Context of ASEAN Economic Community Mardhiyatur Rosita Ningsih
Shirkah: Journal of Economics and Business Vol 1, No 1 (2016)
Publisher : IAIN Surakarta

The paper aims to analyze the problems of profit and loss sharing financing is conducted through literature and interviews with funding customers, islamic bankers and entrepreneurs. The result show that profit oriented, lack of trust in the abilities of partners, moral hazard, mismanagement and lack of syariah product information. So, give Incentive for funding customers, incentive compatible constraint, involved effort in spiritual and intellectual expected may help small and medium enterprises to face ASEAN Economic Community. Keywords: ASEAN Economic Community, profit and loss sharing financing, small and medium enterprises

DAMPAK PANDEMI COVID-19 TERHADAP MANAJEMEN INDUSTRI PERBANKAN SYARIAH: ANALISIS KOMPARATIF Mardhiyatur Rosita Ningsih; Muhammad Syarqim Mahfudz
POINT: Jurnal Ekonomi dan Manajemen Vol 2 No 1 (2020): POINT JURNAL
Publisher : Program Studi Manajemen Universitas Muslim Maros

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46918/point.v2i1.576

Ministry of Health data shows the total confirmed cases of COVID-19 in Indonesia is 9,771 cases with a total of 784 deaths. Jakarta and West Java provinces are the regions with the highest number of Covid-19 cases. This is a challenge for the business world, including Sharia Banks, which based on Sharia banking Statistics data show that Jakarta is the region with the largest number of Sharia Bank branch offices in Indonesia. This study is a comparative analysis which aims to determine the impact of the Covid-19 pandemic on the banking industry on the side of the management of the Bank's operational strategies and Bank Intermediation Activities. The study used a sample of 5 Islamic Commercial Banks. The research sample was selected using purposive sampling technique. The results showed that in December to March 2020 all banks experienced turmoil in the intermediation function which tended to decline both from funding and fund raising. Meanwhile, in terms of Sharia Bank Strategy Management implementing a variety of policies including service restrictions through face-to-face, providing restructuring policies to affected customers and utilizing digital applications. Keywords: Covid-19, Islamic Banking Industry, Management

The Financing Structure of Islamic Banks: A Comparative Study Mardhiyaturrositaningsih Mardhiyaturrositaningsih
AL-ARBAH: Journal of Islamic Finance and Banking Vol 4, No 1 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.1.14662

AbstractPurpose - This study aims to analyse the financing structure of Islamic Commercial Bank and Islamic Business Unit. This Study Compare the financing structure before and during the Covid-19 pandemic.Method - This research is using The comparative research method to determine differences in the financing structure of Islamic Banks before and during the Covid-19 period.Result - The result of this research indicates that the financing structure of Islamic Commercial Banks and Islamic Business Units based on the type of shari’ah compliant contract and the type of usage shows differences before and during the covid-19 pandemic. The decrease is shown in financing with mudharabah and ijarah contracts.Implication - The research indicates that the Bank has been impacted by the Covid-19 pandemic as indicated by changes in the financing structure of the banking system. Banks need to determine the right strategy in this situation.Originality- This study conducted a financing test based on the type of contract and the type of usage. This study identified two conditions in the period before and during the pandemic.

Pelatihan Perencanaan dan Pencatatan Keuangan Pada Usaha Mikro Kecil dan Menengah Di Tlogosari Wetan Mardhiyaturrositaningsih
Jurnal Pengabdian Masyarakat STIE Surakarta Vol 1 No 2 (2022): Desember 2022
Publisher : Sekolah Tinggi Ilmu Ekonomi Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56456/dimaseta.v1i2.18

Perencanaan dan Pencatatan keuangan membantu Pelaku Usaha Mikro Kecil dan Menengah (UMKM) dalam pengelolaan usaha dan sebagai prasyarat dalam mengakses pembiayaan perbankan. Usaha Mikro Kecil dan Menengah di Tlogosari Wetan dalam implementasinya relative terbatas dalam melakukan perencanaan dan pencatatan keuangan yaitu sejumlah 27 persen. Pelatihan literasi perencanaan dan pencatatan keuangan UMKM di Tlogosari Wetan diperlukan dengan tujuan untuk meningkatkan literasi Usaha Mikro Kecil dan Menengah mengenai perlunya perencanaan dan mekanisme pencatatan keuangan. Kegiatan pengabdian pelatihan literasi keuangan ini menggunakan metode Service Learning (SL) pada 51 UMKM. Hasil dari kegiatan ini menunjukan adanya peningkatan pengetahuan pelaku UMKM mengenai perencanaan dan pancatatan keuangan sebelum dan setelah pelatihan.

FINANCING RISK IN ISLAMIC BANKING BEFORE AND DURING THE COVID-19 PANDEMIC Mardhiyaturrositaningsih
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 6 No. 2 (2022): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v6i2.936

This study aims to identify the risk of financing in Islamic Banks. Financing risk assessment is divided into two categories, financing based on contract and financing based on usage. This study uses a comparative analysis method to identify differences in financing risks in the period before and during the Covid-19 pandemic. The results of the study show that there are six differences in financing risks based on the contract period before and during the Covid-19 pandemic. The risk of financing based on use shows that there is no difference in the risk of financing investment for MSMEs before and during the Covid-19 pandemic. Meanwhile, the difference can be seen in the risk of working capital financing for MSMEs, working capital financing for Non-MSMEs, the risk of investment financing for Non-MSMEs and the risk of consumptive financing. These results indicate that Islamic bank financing is responding to the Covid-19 pandemic with changes in financing risk. Banks need to manage financing with the aim of increasing financing not increasing risk.

Analisis Kinerja Sektor Industri Perbankan Dimasa Pandemi Covid -19: Studi Empiris Bank Pembangunan Daerah Hakim, Muhammad Luqman; Mardhiyaturrositaningsih, Mardhiyaturrositaningsih
Jurnal Ekonomi, Manajemen, Akuntansi, Bisnis Digital, Ekonomi Kreatif, Entrepreneur (JEBDEKER) Vol 3 No 1 (2022): Desember 2022
Publisher : Sekolah Tinggi Ilmu Ekonomi Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56456/jebdeker.v3i1.152

Bank Pembangunan Daerah menjadi salah satu lembaga keuangan yang berperan memulihkan perekonomian nasional ditengah pandemi Covid – 19. Hal ini sejalan dengan penyaluran dana dari Pemerintah dalam menyalurkan kredit. Ditengah dampak pandemi Covid – 19 yang berimbas pada sektor keuangan, diperlukan strategi dan ketahanan dalam menjalankan bisnis. Sehingga, aspek kesehatan bank penting untuk dilakukan pengujian. Tujuan penelitian ini untuk menguji perbedaan rasio – rasio kesehatan Bank sebelum dan selama covid – 19 dengan pembagian wilayah lokasi barat, tengah dan timur serta berdasarkan BUKU 1,2 dan 3. Selain hal tersebut juga dilakukan pengujian pengaruh rasio - rasio yaitu NPL, LDR, CAR, NIM, LIQUIDITY, dan CKPN terhadap ROA dan ROE. Penelitian ini digunakan untuk analisis uji paired sample t test, one way anova, independent sample t test dan Regresi model kuadrat terkecil biasa (OLS). Terdapat 23 Sampel Bank Pembangunan Daerah dengan 184 data observasi dengan pengamatan periode triwulan I 2019 – triwulan IV 2020. Pemilihan sampel menggunakan teknik purposive sampling. Alat ujinya menggunakan software Eviews 9. Hasil penelitian menunjukkan 5 rasio BPD mengalami perbedaan sebelum dan selama pandemi covid - 19, yaitu NPL, LDR, NIM, ROE, dan LIQUIDITY. Sedangkan ROA, CAR dan CKPN tidak mengalami perbedaan. 5 Rasio mengalami perbedaan wilayah barat tengah dan timur antara lain LDR, CAR, NIM, LIQUIDITY dan CKPN. Sedangkan 3 lainnya yang tidak mengalami perbedaan antara lain : NPL, ROA dan ROE. Perbedaan 4 rasio mengalami perbedaan Buku 1 , 2 dan 3 antara lain NPL, LDR, ROE, dan CKPN sedangkan 4 lainnya yang tidak berbeda antara lain: ROA, CAR, NIM, dan LIQUIDITY. Dan 5 rasio yang bepengaruh terhadap ROA yaitu NPL, CAR, NIM, LIQUIDITY dan CKPN. Sedangkan 1 rasio yang tidak berpengaruh adalah LDR. serta 4 rasio yang berpengaruh terhadap ROE antara lain NPL, CAR, NIM, CKPN. Sedangkan 2 rasio tidak berpengaruh antara lain LDR dan LIQUIDITY. Kata Kunci: Bank Pembangunan Daerah, Return on Asset, Return on Equity, Kecukupan Modal, Likuiditas, Risiko Kredit

Human Resources Development Program in Islamic Commercial Banks Mardhiyaturrositaningsih, Mardhiyaturrositaningsih
AL-ARBAH: Journal of Islamic Finance and Banking Vol 5, No 2 (2023)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2023.5.2.18106

Purpose - This study aims to explore competency development programs to improve sustainable finance in Islamic Commercial Banks.Method - This research is using qualitative research methods to explore human resource management in Islamic Commercial Banks. This research is an exploratory study of the human resource development program at Islamic Commercial Banks during the Covid-19 pandemic. The research identifies the structure, training and development costs and human resource development strategies.Result - The results of this research indicate that each bank has a diverse strategy in developing employee competency through training and development programs. The employee structure of Sharia Commercial Banks also varies according to organizational needs. However, in the educational aspect there are similarities in that the majority are dominated by undergraduate education levels. The allocation of training and development funds at several banks has decreased due to the Covid-19 pandemic. Implication - This study implies the important role of human resources in an organization and the need for strategies to increase employee competency.Originality- This paper provides information regarding the employee structure of Islamic Commercial Banks and the policies developed at each Islamic Commercial Bank in Indonesia.

Pendampingan Pembuatan Platform Digital Pada Usaha Mikro Kecil dan Menengah di Desa Ngijo Mardhiyaturrositaningsih Mardhiyaturrositaningsih; Ridwan Maulana
I-Com: Indonesian Community Journal Vol 4 No 4 (2024): I-Com: Indonesian Community Journal (Desember 2024)
Publisher : Fakultas Sains Dan Teknologi, Universitas Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70609/icom.v4i4.5430

Micro, Small and Medium Enterprises, in addition to their great potential, also face obstacles in implementing digital marketing related to the low readiness of MSMEs to conduct online marketing. The use of digital platforms by MSMEs only reaches 8 percent. sMentoring the creation of digital platforms for Micro, Small and Medium Enterprises aims to help business actors in Ngijo Village to Go Digital. This is based on the importance of the role of digitalization in supporting the development of MSMEs. This community service activity uses the Participatory Action Research (PAR)method. This activity includes preparing to sell on Shopee, such as creating a Shopee account, filling in store information, and adding products with attractive photos and complete descriptions. In addition, the arrangement and management of the store is also a focus, including setting up a store profile, adding a bank account, and managing orders. The result of this mentoring activity is the ownership of a digital platform account by the participants who are MSMEs in Ngijo.

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