Article Per Year (5 Year)
p-Index From 2021 - 2026
0.778
P-Index
This Author published in this journals
All Journal Jurnal Ilmiah Ekonomi Islam AJAD : Jurnal Pengabdian kepada Masyarakat Jurnal Manajemen Perbankan Keuangan Nitro
Sinta Ayu Purnamasari, Sinta Ayu
Unknown Affiliation
Humanities Economics, Econometrics & Finance Social Sciences

Published : 4 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 4 Documents
Search

 1 
Determination Of Commercial Banks’ Profitability In Indonesia Syahid, Muhammad; Elzaanin, Amina A.A; Purnamasari, Sinta Ayu; Sari, Wahyu Nita; Badriah, Siti
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15485

Abstract

This research explores the relationship between specific characteristics of banks and their profitability. Bank profitability is related to external and internal factors regarding assets, capital, and loans in general. This study is mainly concerned with internal factors that influence the profitability of commercial banks in Indonesia. 55 Banks including 51 National Private Banks, and 4 Public Sector Banks. Data taken in its entirety from the Financial Services Authority website in 2023. Using the Ordinary Least Square (OLS) method with the help of Stata software. The results of the research show that in a simultaneous test, the asset, capital, and loan variables have a positive and significant effect on profitability with the figure obtained being 78% while other variables explain the rest, while in a partial test, the asset and bank loan variables harm bank profitability, and only the capital variable which is positively related to profitability by 86%, and the rest is explained by other variables. This shows that large banks may face similar challenges as marginal profits decrease as targets must be achieved because in fact the bank Asset and Loan variables are also expected to be the main source of income so that they have a positive relationship with bank performance.
The Role of the Deposit Insurance Corporation in Driving Indonesian Banking toward TNFD Disclosure: Strategies and Policy Implications Utami, Pertiwi; Purnamasari, Sinta Ayu; Ramatullah, Risen anugrah; Zais, Ferliansyah
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 1 No. 3 (2025): Vol. 1 No. 3 (2025): Special Volume for International Collaboration
Publisher : LP2M IBK Nitro

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

Abstract

This study aims to analyze the strategic role of the Deposit Insurance Corporation (LPS) in encouraging the adoption of the Taskforce on Nature-related Financial Disclosure (TNFD) framework by the Indonesian banking sector. Although TNFD has become the global standard for reporting nature risks, to date no national bank has officially joined this initiative. The study employed a systematic literature review approach, supported by bibliometric analysis using VOSviewer software, to identify trends, research gaps, and thematic linkages within global TNFD studies. The findings indicate that the main challenges to TNFD adoption in Indonesia include an unclear regulatory framework, limited environmental data infrastructure, low awareness and capacity of banking human resources, and a lack of institutional incentives. This study proposes five collaborative strategies that LPS can implement: the establishment of a national TNFD forum, a sustainability-based premium incentive scheme, data and technology collaboration, mentoring and certification programs, and innovation in nature-based risk assurance. This study contributes to academic discourse and public policy by introducing a new role model for LPS as a catalyst for sustainable finance transitions in developing countries.
Meningkatkan Daya Saing dan Kesiapan Kerja Santri melalui Edutechnopreneurship Berbasis AI dengan Pendekatan Neurocoaching Utami, Pertiwi; Khulsum, Umi; Purnamasari, Sinta Ayu; Basrowi, Basrowi
AJAD : Jurnal Pengabdian kepada Masyarakat Vol. 5 No. 3 (2025): DECEMBER 2025
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ajad.v5i3.667

Abstract

This community engagement program sought to strengthen the competitiveness and work readiness of 30 Islamic boarding school students through AI-based edutechnopreneurship supported by a neurocoaching approach. The program addressed key challenges faced by pesantren, including limited vocational skills, low digital literacy, and lack of entrepreneurial mindset among students. Activities included training in halal bakery production, AI-assisted digital marketing, and Sharia-compliant business bookkeeping, implemented through a Participatory Action Research (PAR) framework. The integration of hands-on practice and neurocoaching reinforced students' growth mindset, motivation, and entrepreneurial skills. Pre-post assessments revealed that 86.7% of participants achieved competency across technical, digital, and managerial domains, surpassing the initial target of 80%. Outcomes included enhanced vocational abilities in bakery production, improved digital marketing capacity through social media and e-commerce platforms, better understanding of Sharia financial recording, and the establishment of a small-scale bakery unit. This unit serves as a foundation for advancing pesantren-based economic empowerment and provides a sustainable business model for future replication in similar Islamic educational institutions.
Determination Of Commercial Banks’ Profitability In Indonesia Syahid, Muhammad; Elzaanin, Amina A.A; Purnamasari, Sinta Ayu; Sari, Wahyu Nita; Badriah, Siti
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15485

Abstract

This research explores the relationship between specific characteristics of banks and their profitability. Bank profitability is related to external and internal factors regarding assets, capital, and loans in general. This study is mainly concerned with internal factors that influence the profitability of commercial banks in Indonesia. 55 Banks including 51 National Private Banks, and 4 Public Sector Banks. Data taken in its entirety from the Financial Services Authority website in 2023. Using the Ordinary Least Square (OLS) method with the help of Stata software. The results of the research show that in a simultaneous test, the asset, capital, and loan variables have a positive and significant effect on profitability with the figure obtained being 78% while other variables explain the rest, while in a partial test, the asset and bank loan variables harm bank profitability, and only the capital variable which is positively related to profitability by 86%, and the rest is explained by other variables. This shows that large banks may face similar challenges as marginal profits decrease as targets must be achieved because in fact the bank Asset and Loan variables are also expected to be the main source of income so that they have a positive relationship with bank performance.
Co-Authors Abda Abda Basrowi Basrowi, Basrowi Elzaanin, Amina A.A Khulsum, Umi Muhammad Syahid Ramatullah, Risen anugrah Sari, Wahyu Nita Siti Badriah Utami, pertiwi Zais, Ferliansyah