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All Journal El Dinar Among Makarti Empowerment : Jurnal Pengabdian Masyarakat Jurnal Ekonomi & Keuangan Islam Buletin Ilmiah Nagari Membangun Ihsan: Jurnal Pengabdian Masyarakat Journal of Tourism Economics and Policy Tri Dharma Mandiri: Diseminasi dan Hilirisasi Riset Kepada Masyarakat (Jurnal Pengabdian Kepada Masyarakat) Jurnal Manajemen Pemasaran dan Perilaku Konsumen AMMA : Jurnal Pengabdian Masyarakat Journal of Development Economic and Social Studies (JDESS) Contemporary Studies in Economic, Finance and Banking (CSEFB) Islamic Economics and finance in Focus (IEFF)
Yenny Kornitasari, Yenny
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Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Nursing Public Health Social Sciences Veterinary Other

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ANALISIS KINERJA BANK SYARIAH INDONESIA SEBELUM DAN SETELAH MERGER: PENDEKATAN ISLAMICITY PERFORMANCE INDEX Murtadha, Ahmad Mufid; Kornitasari, Yenny
Among Makarti Vol 17, No 1 (2024): Among Makarti
Publisher : STIE AMA Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/ama.v17i1.635

Abstract

Abstract : Bank Syariah Indonesia (BSI)’s development after the merger needs to be balanced with good performance to achieve stakeholder trust. BSI carries out its activities based on sharia principles which are not only profit-oriented but also social-oriented. Sharia bank performance assessments generally still use conventional methods. Therefore, this research aims to find out and explain BSI's performance conditions before and after the merger using the Islamicity Performance Index and comparing each ratio it has. This research uses a descriptive quantitative analysis method by measuring performance before and after the merger using the IPI and using a different test to determine the differences in each IPI ratio. The research sample was taken by purposive sampling, namely BRIS, BNIS, and BSM as BSI before the merger, as well as BSI after the merger. Data was obtained through BSI's financial reports before the merger for the 2019-2020 period and after the merger for the 2021-2022 period, with data collection techniques using literature study and documentation. The research results show that BSI's performance before and after the merger in implementing sharia and social principles as seen from halal values succeeded in carrying out its duties well, but the values of purity and justice were still not optimal. The results of the different test analysis show only 1 difference, namely the EDR ratio. Thus, BSI needs to improve the collection and distribution of bank funds.Abstrak : Perkembangan Bank Syariah Indonesia (BSI) pasca merger perlu diimbangi dengan kinerja yang baik untuk mewujudkan kepercayaan stakeholder. BSI menjalankan aktivitasnya berdasarkan prinsip syariah yang tidak hanya berorientasi pada profit tetapi juga pada orientasi sosial. Penilaian kinerja bank syariah umumnya masih menggunakan metode konvensional. Oleh karena itu, tujuan penelitian ini adalah untuk mengetahui dan menjelaskan kondisi kinerja BSI sebelum dan setelah merger menggunakan Islamicity Performance Index dan membandingkan setiap rasio yang dimilikinya. Penelitian ini menggunakan metode analisis kuantitatif deskriptif dengan mengukur kinerja sebelum dan setelah merger menggunakan IPI dan menggunakan uji beda untuk mengetahui perbedaan dari masing-masing rasio IPI. Sampel penelitian diambil secara purposive sampling, yaitu BRIS, BNIS, dan BSM sebagai BSI sebelum merger, serta BSI setelah merger. Data diperoleh melalui laporan keuangan BSI sebelum merger periode 2019-2020 dan setelah merger periode 2021-2022, dengan teknik pengumpulan data menggunakan studi pustaka dan dokumentasi. Hasil penelitian menunjukkan bahwa kinerja BSI sebelum dan setelah merger dalam menjalankan prinsip syariah dan sosial yang dilihat dari nilai kehalalan berhasil melaksanakan tugasnya dengan baik, namun nilai kesucian dan keadilan masih belum maksimal. Hasil analisis uji beda menunjukan hanya 1 yang terdapat perbedaan yakni rasio EDR. Dengan demikian, BSI perlu meningkatkan fungsi penghimpunan dan penyaluran dana bank.
Pengembangan Digitalisasi Koperasi Guna Mendorong Modernisasi Koperasi Mina Jaya di Sendang Biru, Kecamatan Sumbermanjing Wetan, Kabupaten Malang Manzilati, Asfi; Efani, Anthon; Kornitasari, Yenny; Sari, Mariyana
IHSAN : JURNAL PENGABDIAN MASYARAKAT Vol 6, No 2 (2024): Ihsan: Jurnal Pengabdian Masyarakat (Oktober)
Publisher : University of Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/ihsan.v6i2.18827

Abstract

Koperasi Unit Desa Mina Jaya Sendang Biru merupakan koperasi yang bergerak dibidang usaha perikanan tangkap di Sendang Biru Kecamatan Sumbermanjing Wetan Kabupaten Malang. Kehadiran koperasi ini menjadi penting dalam memberikan akses modal dan pengelolaan hasil tangkap nelayan yang menjadi anggotanya. Koperasi Unit Desa Mina Jaya Sendang Biru sendiri belum menerapkan digittalisasi secara sepenuhnya dalam pengelolaan koperasi. Oleh karenanya pengabdian ini bertujuan untuk: 1. Meningkatkan pengetahuan dan keterampilan pengelolaan koperasi berbasis digital; 2. Terbentuknya koperasi nelayan yang kuat sehingga dapat melakukan usaha dari hulu sampai dengan hilir (on farm, off farm, pengolahan, pengemasan, dan pemasaran); 3. Mendorong terwujudnya program pengembangan korporasi petani dan nelayan (KPN) dalam rangka transformasi ekonomi; 4. Menciptakan keberlanjutan koperasi. Pengabdian akan dilaksanakan di Kabupaten Malang Jawa Timur tepatnya di Koperasi Nelayan Mina Jaya Sendang Biru. Kegiatan pengabdian yang dilakukan meliputi studi banding dan penyuluhan, pelatihan digitalisasi koperasi, integrasi kinerja antara koperasi, perguruan tinggi dan nelayan, dan pembuatan media branding koperasi. Hasil dari pengabdian ini diharapkan dapat menjadi acuan bagi pengelola koperasi, nelayan, perguruan tinggi dan pemerintah untuk membangun langkah-langkah peningkatan digitalisasi koperasi guna mendorong pengembangan dan modernisasi koperasi.
INTELLECTUAL CAPITAL EFFICIENCY AND MARKET STRUCTURE OF ISLAMIC COMMERCIAL BANKS IN INDONESIA Junio, Wilson; Kornitasari, Yenny
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 12, No 2 (2024): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v12i2.27444

Abstract

This study investigates the impact of Intellectual Capital on the market structure of Islamic commercial banks in Indonesia. Employing a quantitative approach, the research utilizes the Random Effect Model for panel data regression analysis, drawing on secondary data extracted from the annual reports of eight Islamic commercial banks in Indonesia. The findings reveal that Islamic banks in Indonesia predominantly operate within a monopolistic market structure. Among the dimensions of Intellectual Capital, Human Capital Efficiency (HCE) emerges as the sole factor exerting a positive and significant influence on market structure, significantly enhancing the value creation process within Islamic banking. In contrast, Structural Capital Efficiency (SCE), Capital Employed Efficiency (CEE), and Relational Capital Efficiency (RCE) exhibit no discernible individual effects. These results underscore the necessity for regulators to delve deeper into market dynamics to foster a more competitive environment for Islamic banks. Furthermore, the findings advocate for regulatory support to facilitate the consolidation of Islamic banks, thereby enhancing Intellectual Capital efficiency. Such measures would enable Islamic banks to evolve into more efficient financial institutions, ultimately delivering greater societal benefits.
Life Objectives as the Determinants of Happiness Among Muslims in Indonesia Alfajri, Azriel; Kornitasari, Yenny
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2025.04.1.08

Abstract

This research is motivated by allegations of life goals that also contribute to happiness. Non-competitive life goals—such as family goals, altruism, and religiosity—are thought to have a constructive influence on happiness, and competitive goals are detrimental. Using data from IFLS 5 and Muslims as subjects, this study aims to examine the suitability of previous research in the context of Muslims in Indonesia. The study utilized a quantitative descriptive approach with a binary logistic regression estimation model. The results revealed: (i) success goals measured by employment status had a negative and significant influence only on a sample of women; (ii) family goals have a positive and significant influence on Muslim happiness; (iii) altruism has a positive but insignificant influence on Muslim happiness; and (iv) religiosity has a positive and significant influence on Muslim happiness. These results could provide guidance for individual Muslims to discover the factors that increase their happiness, which ultimately contribute to economic development.
Sosialisasi Laporan Keuangan PMI Kabupaten Blitar: Transparan, Akuntabel dan Kepercayaan Publik Kornitasari, Yenny
Empowerment Vol. 6 No. 03 (2023): Empowerment
Publisher : Program Studi Ilmu Hukum Fakultas Hukum Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/empowerment.v6i03.8742

Abstract

The Indonesian Red Cross (PMI) of Blitar District is a public sector organization responsible for managing social funds from various sources. However, its financial reporting does not meet Indonesian accounting standards, indicating a lack of accountability. This is due to the absence of specialized personnel in financial management. This community service activity aims to enhance transparency, accountability, and understanding of financial reports. It emphasizes the importance of transparency and accountability and provides hands-on practice in compiling financial reports and infographics, specifically for PMI Blitar District. By using Canva, the organization can enhance financial data visualization and presentation, making it easier for the public to understand. The results from this community service indicate that training using Canva can improve the quality of financial reports and strengthen public trust. Furthermore, collaboration in report creation and flexibility in presentation formats add value to the use of Canva.Palang Merah Indonesia (PMI) Kabupaten Blitar merupakan organisasi sektor publik yang bertanggung jawab mengelola dana sosial dari berbagai sumber. Namun, pelaporan keuangannya belum memenuhi standar akuntansi Indonesia, menunjukkan kurangnya akuntabilitas. Hal ini disebabkan oleh tidak ada tenaga khusus dalam manajemen keuangan. Kegiatan pengabdian ini bertujuan meningkatkan transparansi, akuntabilitas, dan pemahaman terhadap laporan keuangan. Membahas pentingnya transparansi dan akuntabilitas serta memberikan praktik langsung dalam penyusunan laporan dan infografis keuangan, khususnya bagi PMI Kabupaten Blitar. Dengan menggunakan Canva, organisasi dapat meningkatkan visualisasi dan penyajian data keuangan, sehingga mempermudah pemahaman oleh publik. Hasil dari kegiatan pengabdian ini menunjukkan bahwa pelatihan menggunakan Canva dapat meningkatkan kualitas laporan keuangan dan memperkuat kepercayaan publik. Selain itu, kolaborasi dalam pembuatan laporan serta fleksibilitas dalam format penyajian menjadi nilai tambah dalam penggunaan Canva.
Analysis the Effects Macroprudential Policies Through Macroeconomic Variables on Housing Credit Growth Indrayanti, Shinta Hervi; Kornitasari, Yenny
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.3.11

Abstract

The increase in population without accompanied development and provision of affordable housing will become a major problem due to the unfulfilled need for housing. The increasing demand causes a surge in housing prices. With this problem, banks as intermediary institutions develop their activities by providing facilities to meet housing needs through Home Ownership Credit (KPR) products. This study aims to determine the effect of macroprudential policy through macroeconomic variables (JUB, IHPR, Inflation, and Economic Growth) on housing credit growth in Indonesia from 2005-2023. The method used is Multiple Linear Regression Analysis, with interest rates as a control variable. There is a need to control credit growth to prevent a surge in housing asset prices and maintain inflation to remain under control, thus creating financial system stability. The results of this study indicate that the first objective of macroprudential policy has a significant effect on credit growth. In addition, the second objective of the macroprudential policy through variables such as JUB, Inflation, Economic Growth, and Interest Rates has a significant effect on housing credit growth. Meanwhile, through the IHPR variable, it does not affect credit growth.
Pendampingan Sertifikasi Halal Jalur Sehati (Self-Declare) Bagi Pelaku Usaha Mikro Kecil di Kecamatan Pujon Safitri, M.Sc., Ph.D (Scopus ID : 57189988164; Wardhani, Sri; Indahyanti, Ellya; Dinira, Layta; Rosalin, Sovia; Kornitasari, Yenny
TRI DHARMA MANDIRI: Dissemination and Downstreaming of Research to the Community (Journal of Community Engagement) Vol 3 No 1 (2023)
Publisher : SMONAGENES Research Center, Univeritas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jtridharma.2023.003.01.1

Abstract

Menguatnya industri halal di Indonesia berimplikasi positif pada peningkatan tingkat perekonomian masyarakat. Sertifikasi halal selain sebagai bentuk perlindungan terhadap jaminan kehalalan produk, juga memberikan nilai tambah yang berimplikasi positif terhadap volume produksi dan penjualan. Sertifikasi halal adalah suatu proses untuk memperoleh sertifikat halal melalui beberapa tahap pemeriksaan untuk membuktikan bahwa bahan, proses produksi, dan sistem jaminan halal dapat memenuhi standar Badan Penyelenggara Jaminan Produk Halal. Tujuan dari kegiatan pengabdian kepada masyarakat ini adalah pendampingan pendaftaran Nomor Induk Berusaha (NIB) bagi Usaha Mikro dan Kecil (UMK); pendampingan tentang peraturan jaminan produk halal bagi industri makanan dan minuman UMK; serta pendampingan pengajuan sertifikasi halal bagi UMK. Metode pelaksanaan kegiatan yaitu melalui sosialisasi, pendampingan pengisian persyaratan, dan pengajuan sertifikasi produk halal. Hasil kegiatan adalah pemahaman pelaku usaha tentang jaminan produk halal bagi pelaku UMK di sektor pangan, pendaftaran sertifikasi halal bagi pelaku usaha, dan sertifikat halal bagi UMK yang telah turun sebanyak 10 sertifikat halal.
Analysis of Factors Influencing Technology Adoption to Increase MSME Productivity in Malang City SARI, Rizqi Aprilia; KORNITASARI, Yenny
Journal of Tourism Economics and Policy Vol. 4 No. 4 (2024): Journal of Tourism Economics and Policy (October - December 2024)
Publisher : PT Keberlanjutan Strategis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38142/jtep.v5i4.1633

Abstract

This study aims to analyze the factors influencing technology adoption by Micro, Small, and Medium Enterprises (MSMEs) in Malang City during the digitalization era, using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) as the theoretical framework. Data were collected from 100 MSME respondents in Malang City and analyzed using Structural Equation Modeling with the Partial Least Squares (SEM-PLS) method. The UTAUT2 model was applied to examine the influence of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, and habit on technology adoption and productivity. The findings indicate that performance expectancy, facilitating conditions, and habit have a significant positive impact on productivity, highlighting the importance of efficiency, infrastructure support, and consistent technology usage. Conversely, effort expectancy, social influence, and hedonic motivation do not significantly affect technology adoption. The study emphasizes the need for policymakers and stakeholders to enhance digital infrastructure, provide technology training, and offer incentives to increase technology adoption among MSMEs. These strategies are expected to strengthen competitiveness, foster innovation, and drive sustainable economic growth in Malang City.
Analysis of the Influence of Syariah Bank Financing on Indonesia's Economic Growth in 2019 - 2023 Rizky, Dimas; Kornitasari, Yenny
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2025.04.1.14

Abstract

This research aims to see the influence of Islamic bank financing variables including Sharia Working Capital Financing, Sharia Investment Financing and Sharia Consumptive Financing on Indonesia's economic growth. The research uses a quantitative approach. The type of data used is quantitative data and the data source is secondary data. The ap-proach method used in this research is multiple linear regression analysis. The estimation results show that the Sharia Working Capital Financing variable has a negative effect on Economic Growth, Sharia Investment Financing and Sharia Consumptive Financing have a positive effect on Economic Growth.
How cybercrime sentiment shapes mobile banking adoption in Islamic banking Kornitasari, Yenny; Sura, Langlang Jati; Dewi, Dita Nurul Aini Mustika
Jurnal Ekonomi & Keuangan Islam Volume 10 No. 2, July 2024
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol10.iss2.art6

Abstract

Purpose – This study aims to identify the factors influencing the adoption of mobile banking in the context of cybercrime issues in digital banking services by focusing on a case study of Bank Syariah Indonesia (BSI) customers.Methodology – This study examined five independent variables as mediators: cybercrime issue sentiment, security perceptions, convenience, digital literacy, cybersecurity awareness, and trust. It involves 100 BSI customer respondents and is analyzed using the SEM-PLS method.Findings – The findings indicate that Cybercrime issue sentiment and perceived security positively impact trust. However, this trust does not influence mobile banking adoption, suggesting that other factors may dominate adoption decision-making. Convenience and cybersecurity awareness affect mobile banking adoption, whereas digital literacy does not.Implications – Cybercrime is a crucial aspect of mobile banking usage, making customer awareness essential. To increase customer trust, BSI needs to strengthen and enhance digital security and educate customers about cybersecurity risks. Improving the convenience of mobile banking services is crucial to attracting more users. Cybersecurity awareness is also essential; therefore, BSI needs to conduct educational programs and campaigns to improve digital literacy and reduce the negative impact of cybercrime.Originality – The implications provide insights for banks, especially BSI, in maintaining customer trust and increasing mobile banking adoption. The results are expected to assist customers and BSI in focusing on cybersecurity, protecting personal data, and enhancing user convenience. Understanding the factors influencing mobile banking adoption in the continually evolving digital banking environment can help banks take relevant action and focus on customer needs.
Co-Authors ALFAJRI, AZRIEL Ammar Iskandar Zulkarnain Anthon Efani Arif, Moh. Erfan Asfi Manzilati Dewi, Dita Nurul Aini Mustika Ellya Indahyanti Faidah, Anis Mutifatul Fuadi, Hamdan Ibrahim, Muhammad Ariq Imron, Febrini Khairunnisa Indrayanti, Shinta Hervi Junio, Wilson Layta Dinira Murtadha, Ahmad Mufid Noermijati, Noermijati Pasha, Rafithoriq Aditya Pasha Rafli Dilazare Wicaksono Rafli Rahman Farizi Rahmasari, Siti Rizka Fitriasari Rizky, Dimas Rosalin, Sovia Royyanto, Afif Safitri, Dita Indah Safitri, Ferdiana Yuliantika Safitri, M.Sc., Ph.D (Scopus ID : 57189988164 Sari, Mariyana SARI, Rizqi Aprilia Sitorus, Aurelia Ananda Sri Wardhani Sura, Langlang Jati Wahid Hasyim, Wahid