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All Journal Jurnal Keuangan dan Perbankan Journal of Economics, Business, & Accountancy Ventura UNEJ e-Proceeding Jurnal Ilmiah Ekonomi Islam JST ( Jurnal Sains Terapan ) Jurnal Dinamika Ekonomi dan Bisnis Journal of Economic, Bussines and Accounting (COSTING) Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JSHP (Jurnal Sosial Humaniora dan Pendidikan) Equilibrium: Jurnal Ekonomi-Manajemen-Akuntansi Jurnal Abdi Masyarakat Ilmu Ekonomi [J.A.M.I.E.] Jurnal Komunikasi Profesional Iqtishoduna: Jurnal Ekonomi Islam Jurnal GeoEkonomi Abdimas Universal Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Teknik Industri Terintegrasi (JUTIN) Jurnal Darma Agung BUDGETING : Journal of Business, Management and Accounting Jurnal Kewarganegaraan JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Indonesian Community Journal Jurnal Pengabdian Masyarakat Bhinneka Gemilang: Jurnal Manajemen dan Akuntansi Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Innovative and Creativity Journal of Mujaddid Nusantara Journal of Ekonomics, Finance, and Management Studies JAS (Jurnal Akuntansi Syariah) Al-Manar Journal of Economic and Social Studies
Rihfenti Ernayani
Program Studi Akuntansi, Fakultas Ekonomi, Universitas Balikpapan
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Public Health Social Sciences Other

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Factor Affecting Profit Distribution Management In Islamic Commercial Banks: Moderation Of Return On Assets Ernayani, Rihfenti
JAS (Jurnal Akuntansi Syariah) Vol 8 No 2 (2024): JAS (Jurnal Akuntansi Syariah) - December
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jas.v8i2.2152

Abstract

This study aims to find empirical evidence of the influence of capital adequacy ratio (CAR), non-performing financing (NPF), and third-party financing (TPF) on profit distribution management, moderated by return on assets (ROA). This study employs a quantitative approach using panel data regression. The data is generated in numerical form using secondary data from financial reports obtained through the official website of the Indonesia Stock Exchanges (IDX). The Islamic commercial banks in Indonesia listed on the IDX 2016-2022 comprise the study population, and a purposive sampling method is used to determine the sample size so that a sample of 9 Islamic commercial banks with 63 observation data is obtained. EViews 10 is used for the data analysis method, and the random effect model (REM) is used for the research model. The research findings suggest that CAR, TPF, and ROA positively affect profit distribution management. Meanwhile, NPF does not affect profit distribution management. ROA is proven to strengthen the effect of CAR and TPF on profit distribution management. While ROA cannot moderate the relationship between NPF and profit distribution management. This study can complement existing theories, especially regarding the relationship between capital adequacy and third-party funds with profit distribution management moderated by ROA. The practical implications of these findings for Islamic bank policies regarding the importance of increasing profitability and reducing problematic financing to maximize profit-sharing management.
Peran Bank Syariah dan UMKM dalam Meningkatkan Perekonomian Indonesia Ernayani, Rihfenti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 3 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i3.180

Abstract

Businesses that are carried out to meet the needs of life include conducting Micro, Small and Medium Enterprises. The purpose of this study is to analyze the role of Islamic banks and MSMEs in improving the Indonesian economy. The method in this article is a qualitative method with literature study or Library Research. The purpose of this article is to analyze existing theories by looking at their comparison with previous theories in the research literature. The literature used is literature from research results or reviews that are recorded in national and international scientific articles related to financial management. All articles used are sourced from the electronic literacy data search engine Mendeley and Google scholar. The results showed that with Islamic sharia principles, Islamic banking plays an important role in driving the wheels of the Indonesian economy through the development and empowerment of MSMEs.
Inklusi Keuangan dan Pemberdayaan Ekonomi: Evaluasi Efektivitas Produk Keuangan Syariah dalam Meningkatkan Akses Keuangan bagi Masyarakat Marginal Fitriani; Efendi Sugianto; Shylvia Andriani; Rihfenti Ernayani; Dyah Mieta Setyawati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i7.2406

Abstract

Financial inclusion and economic empowerment have become major focal points in efforts to improve financial access for marginalized communities. This is particularly crucial in the current global context where economic inequality and access to financial services remain serious issues. This article aims to evaluate the role of Shariah-compliant financial products in supporting financial inclusion and economic empowerment among marginalized groups. The literature review method used in this article provides a strong foundation for collecting and analyzing various related articles, including policy reviews and market analyses. Through in-depth review, this article illustrates that Shariah-compliant financial products have significant potential to provide more inclusive, transparent, and sustainable solutions in enhancing financial access for marginalized communities. Key factors such as trust, understanding of Shariah principles, and supportive regulations are also emphasized as essential elements in strengthening the effectiveness of these financial products. Additionally, the implications of the findings in this article are crucial in providing guidance for stakeholders, regulators, and financial practitioners. By understanding the potential and advantages of Shariah-compliant financial products, stakeholders can develop more effective strategies to improve financial inclusion and economic empowerment among marginalized communities. Thus, this article not only provides insights but also offers a clear direction for further steps in strengthening financial access for all layers of society, while promoting sustainable and inclusive economic development.
PENINGKATAN LITERASI KEUANGAN UNTUK GENERASI MUDA Azizi, Muhammad; Ahmad, Srifatmawati; Ernayani, Rihfenti; Anantadjaya, Samuel PD; Lestari, Winda
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 5 (2024): Vol. 5 No. 5 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i5.33390

Abstract

Peningkatan literasi keuangan di kalangan generasi muda menjadi perhatian utama dalam konteks pembangunan ekonomi berkelanjutan. Artikel ini bertujuan untuk mengeksplorasi dan menganalisis metode serta praktik terbaik dalam meningkatkan literasi keuangan di kalangan pemuda melalui tinjauan literatur (literature review). Melalui kajian mendalam terhadap berbagai studi, buku, dan artikel terkait, artikel ini mengidentifikasi tantangan utama, seperti kurangnya pemahaman dasar mengenai perencanaan keuangan, pengelolaan utang, dan investasi. Selain itu, artikel ini menyoroti berbagai pendekatan efektif, termasuk integrasi literasi keuangan dalam kurikulum pendidikan formal, penggunaan teknologi digital, serta keterlibatan lembaga keuangan dan komunitas dalam penyuluhan keuangan. Dengan menekankan pentingnya pendidikan keuangan yang berbasis pada penelitian dan bukti, artikel ini memberikan rekomendasi strategis untuk pengembangan program literasi keuangan yang lebih efektif dan berkelanjutan. Temuan dari tinjauan literatur ini diharapkan dapat membantu pembuat kebijakan, pendidik, dan praktisi dalam merancang intervensi yang lebih baik untuk meningkatkan kesadaran dan kemampuan keuangan di kalangan generasi muda.
Pengaruh Arus Kas Operasi, Laba Bersih dan Cash Ratio Terhadap Dividen Kas pada Perusahaan Sektor Keuangan yang Terdaftar di Bursa Efek Indonesia Periode 2020-2023 Cici Apriliya; Rihfenti Ernayani; Butet Wulan Trifina
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i3.6946

Abstract

This study aims to empirically determine the effect of operating cash flow, net profit and cash ratio on cash dividends in financial sector companies listed on the Indonesia Stock Exchange (IDX) in the period 2020-2023. The population of this study uses a quantitative research method with a sampling technique using purposive sampling which determines certain criteria to obtain samples, resulting in 11 companies with 97 observation data for 4 years. The data collection technique uses secondary data. The data analysis model uses SPSS version 25 which includes Linear Regression Analysis, Classical Assumption Test, Determination Test, and Hypothesis Test. The results of the study show that operating cash flow has an effect on cash dividends, net profit and cash ratio have no effect on cash dividends.
Pengaruh Pengetahuan Akuntansi, Pengalaman Usaha, Motivasi Kerja dan Tingkat Pendidikan Terhadap Penggunaan Infomasi Akuntansi pada Pelaku UMKM di Kota Balikpapan Ira Pratiwi; Rihfenti Ernayani; Yanzil Azizil Yudaruddin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i3.7022

Abstract

This study aims to determine the effect of accounting knowledge, business experience, work motivation, and education level on the use of accounting information at MSMEs in Balikpapan City. The sampling technique used purposive sampling and obtained a sample of 105 samples from 13,732 population. The data analysis technique used is validity test, reliability test and hypothesis testing using Smart-PLS 3.0 application. The result of the research shows that accounting knowledge, business experience, work motivation, and education level affect the use of accounting information in MSMEs in Balikpapan City.
Faktor-faktor yang Mempengaruhi Minat UMKM untuk Menggunakan Aplikasi SIAPIK di Kota Balikpapan Febby Fitria; Rihfenti Ernayani; Ika Makherta Sutadji
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i3.7033

Abstract

The purpose of this study was to determine the interest of MSMEs in using the SIAPIK application in Balikpapan City. The data used are primary data collected online via Google Form and offline directly. The data analysis method uses the Partial Least Square-Structural Equation Model (PLS-SEM). The results of the analysis show that perceptions of usefulness, perceptions of ease of use, and security have a significant effect on the interest of MSMEs in using the SIAPIK application. While trust and risk perception do not have a significant effect on the interest of MSMEs in using the SIAPIK application.
Satisfaction Of The Islamic Finance Industry With The Performance Of Interns In Higher Education Akhmad Baidun; Akhmad Nur Zaroni; Fachrurazi, Fachrurazi; Rihfenti Ernayani
GEMILANG: Jurnal Manajemen dan Akuntansi Vol. 3 No. 2 (2023): Jurnal Manajemen dan Akuntansi
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/gemilang.v3i2.421

Abstract

This study aims to estimate the role of tertiary apprenticeship performance in influencing Islamic finance industry satisfaction. By utilizing the results of interviews with 28 Islamic finance practitioners, this study conducted a qualitative analysis. This study found that expectations and disconfirmation factors play an important role in increasing the satisfaction of the Islamic finance industry. Academically, this study implies the expansion of knowledge about industrial satisfaction engineering. Practically, this study implies the importance of link and match between industry and higher education institutions in three ways (uniformity in apprenticeship program assessments, creation of MOUs, and collaboration in curriculum development).
Pendampingan UMKM dalam Mengembangkan Strategi Customer Relationship Management (CRM) Asir, Muhammad; Ernayani, Rihfenti; Jayanti, Ansri; Kristanti, Desi
Jurnal Pengabdian Masyarakat Bhinneka Vol. 4 No. 2 (2025): Bulan November
Publisher : Bhinneka Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58266/jpmb.v4i2.702

Abstract

Perkembangan era digital menuntut pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) untuk memiliki strategi pengelolaan pelanggan yang efektif dan berkelanjutan. Banyak pelaku UMKM masih berfokus pada penjualan jangka pendek tanpa mempertimbangkan pentingnya menjaga loyalitas pelanggan. Kegiatan Pengabdian kepada Masyarakat (PKM) ini bertujuan untuk mendampingi pelaku UMKM dalam memahami, merancang, dan mengimplementasikan strategi Customer Relationship Management (CRM) berbasis digital. Metode pelaksanaan mencakup pelatihan interaktif, konsultasi personal, dan pendampingan penerapan CRM menggunakan platform sederhana seperti Google Workspace, WhatsApp Business, dan aplikasi CRM gratis. Hasil kegiatan menunjukkan peningkatan signifikan dalam kemampuan peserta mengelola data pelanggan, melakukan komunikasi terarah, dan membangun hubungan jangka panjang dengan konsumen. Pendampingan ini juga membantu UMKM menciptakan sistem pemasaran yang lebih terukur dan berbasis data. Program ini diharapkan dapat menjadi model edukasi berkelanjutan untuk memperkuat daya saing UMKM di era transformasi digital.
Pengaruh Arus Kas Operasi, Laba Bersih dan Cash Ratio Terhadap Dividen Kas pada Perusahaan Sektor Keuangan yang Terdaftar di Bursa Efek Indonesia Periode 2020-2023 Cici Apriliya; Rihfenti Ernayani; Butet Wulan Trifina
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i3.6946

Abstract

This study aims to empirically determine the effect of operating cash flow, net profit and cash ratio on cash dividends in financial sector companies listed on the Indonesia Stock Exchange (IDX) in the period 2020-2023. The population of this study uses a quantitative research method with a sampling technique using purposive sampling which determines certain criteria to obtain samples, resulting in 11 companies with 97 observation data for 4 years. The data collection technique uses secondary data. The data analysis model uses SPSS version 25 which includes Linear Regression Analysis, Classical Assumption Test, Determination Test, and Hypothesis Test. The results of the study show that operating cash flow has an effect on cash dividends, net profit and cash ratio have no effect on cash dividends.
Co-Authors Aa Hubur Abdiannur Abdiannur Ahmad, Srifatmawati Akhmad Baidun Akhmad Nur Zaroni Alfiana Alfiana Alfiana Amiruddin Hamzah Anantadjaya, Samuel PD Andi Hidayatul Fadlilah Ari Purwanti Arifin, Sa'ad Nico Asep Saepudin Azizi, Muhammad BillY Dewantara Bustomi, Thomas Butet Wulan Trifina Butet Wulan Trifina C. Prihandoyo Cakranegara, Pandu Adi Cici Apriliya Cici Apriliya Citra Arta, Deddy Novie Citra Dewi Cut Susan Octiva desi kristanti, desi Dewi Rachmania Didik Hadiyatno Dimas Rama Pramudia Dyah Mieta Setyawati Efendi Sugianto Effendi, Ryan Eni Rakhmawati Fachrurazi Febby Fitria Febby Fitria Ferdy Leuhery Festus Evly R.I. Liow Firman Firman Fitriani Gerdha Erlinda Sari Lapoliwa GS , Achmad Daengs Hairul Anam Heidi Siddiqa Hesty Erviani Zulaecha I Nyoman Tri Sutagana Ika Makherta Sutadji Ika Makherta Sutadji Ilham Arief Ira Pratiwi IRA PRATIWI Irdawati Irdawati Irdawati Irdawati Irwan Moridu Irwan Moridu Ita Yuni Kartika Iwan Henri Kusnadi Jayanti, Ansri Klemens Mere lestari, winda Lipo Andy Willian Oey Liza Syah Putri Lucky Radi Rinandiyana Lucy Indah Jayanti M. Dedy Eko Trisyono Safari Miswaty Miswaty Mohamad Zulman Hakim Muhammad Asir Muhammad Azizi Muhammad Imam Asnawi Nadi Hernadi Moorcy Nainunis, Nainunis Natalia Reyne Lumentah Nina Indriastuty Nuah P. Tarigan, Nuah P. Nur Dafiq Nur Widyawati Nurcahaya, Claudya Nurlia Nurlia PA Andiena Nindya Putri Palupiningtyas, Dyah Pamungkas, Eko Wiji Pandji Santosa Rachmad Hidayat Rahul Chauhan Ranita Ramadhani Rianti Setyawasih Robiyanto Robiyanto Robiyanto Robiyanto Robiyanto, Robiyanto Rosdarni Rosdarni Rustandi Rustandi Sa'ad Nico Arifin Salomi Jacomina Hehanussa Samiun, Aspiati A. Sarni Handayani Puspita Sari Shylvia Andriani Srifatmawati Ahmad Sudirman Sudjinan Sudjinan Sudjinan, Sudjinan Sukimin Sukimin Suratman Suratman Syahriah Madjid Tamzil Yusuf Tati Sarihati Theresia Wahyuni Timotius, Elkana Toguan, Zulfikri Upik Djaniar Vinnie Setia Anggraini winda lestari Windy Johan Wiwik Saraswati, Wiwik Yanzil Azizil Yudaruddin Yanzil Azizil Yudaruddin Yosua Arif Susanto