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All Journal Jurnal Keuangan dan Perbankan DeReMa (Development Research of Management) Jurnal Manajemen Jurnal Bisnis, Manajemen, dan Informatika Al Tijarah Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT JBMP (Jurnal Bisnis, Manajemen dan Perbankan) JRMSI - Jurnal Riset Manajemen Sains Indonesia Jurnal Ekonomi & Keuangan Islam JRB-Jurnal Riset Bisnis JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) SULUH: Jurnal Abdimas Journal of Business, Management, and Accounting Jurnal Pengabdian Masyarakat Teknik Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Manajemen dan Pemasaran Jasa JURNAL PENGABDIAN PENDIDIKAN MASYARAKAT (JPPM) Journal Research of Social Science, Economics, and Management Capacitarea : Jurnal Pengabdian Kepada Masyarakat Abdi Implementasi Pancasila: Jurnal Pengabdian kepada Masyarakat Semar : Jurnal Sosial dan Pengabdian Masyarakat INQUISITIVE: International Journal of Eonomic JIMP: Jurnal Ilmiah Manajemen Pancasila Jurnal Komunikasi dan Ilmu Sosial
Chaerani Nisa, Chaerani
Universitas Pancasila
Religion Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Library & Information Science Mathematics Public Health Social Sciences Other

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Technical Efficiency of Digital and Non-Digital Banks in Indonesia: A Data Envelopment Analysis (DEA) Approach for the 2024–2025 Period Ichwani, Tia; Nisa, Chaerani; Sinuraya, Murtada; Saputra, Deni Achmad
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 6 (2026): Dinasti International Journal of Economics, Finance & Accounting (January - Feb
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i6.5870

Abstract

This study aims to analyze the efficiency of digital and conventional banks in Indonesia using the Data Envelopment Analysis (DEA) method and examine the effects of bank size, digitalization, and credit risk on efficiency. The data covers eight digital banks and eight conventional banks during the 2024–2025 period, with input variables: labor costs, total assets, and operational costs; and output variables: interest income, third-party funds (TPF), and total disbursed credit. The analysis results show that digital banks have a higher average efficiency level (0.91) than conventional banks (0.83). Bank size has a significant positive effect on efficiency, while digitalization and credit risk (NPL) have a negative effect. These findings emphasize the importance of business scale and risk management in maintaining banking efficiency in the digital era.
Pengaruh Corporate Social Responsibility (CSR), Dan Kepemilikan Institusional Terhadap Nilai Perusahaan : Survei pada Perusahaan Manufaktur Sub Sektor Food and Beverage yang Terdaftar di Bursa Efek Indonesia tahun 2017-2021 Tia Ichwani; Chaerani Nisa; Dewi Kurniawati
Jurnal Riset Bisnis Vol. 7 No. 1 (2023): Oktober
Publisher : Fakultas Ekonomi dan Bisnis Universitas Pancasila Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35814/jrb.v7i1.5268

Abstract

Penelitian ini bertujuan untuk mengetahui corporate sosial responsibility, kepemilikan institusional, dan nilai perusahaan pada perusahaan manufaktur sub sektor food and beverage yang terdaftar di Bursa Efek Indonesia, pengaruh corporate sosial responsibility, kepemilikan institusional secara parsial terhadap nilai perusahaan pada perusahaan manufaktur sub sektor food and beverage yang terdaftar di Bursa Efek Indonesia, dan pengaruh corporate sosial responsibility, kepemilikan institusional secara simultan terhadap nilai perusahaan pada perusahaan manufaktur sub sektor food and beverage yang terdaftar di Bursa Efek Indonesia tahun 2017-2021. Dalam penelitian ini, berdasarkan kriteria purposive sampling diperoleh 10 perusahaan sebagai sampel. Data yang digunakan merupakan data sekunder berupa berupa laporan tahunan perusahaan tahun 2017-2021 yang diperoleh melalui website resmi Bursa Efek Indonesia www.idx.co.id. Metode penelitian yang digunakan adalah metode penelitian analisis deskriptif, kuantitatif dengan pendekatan survei. . Teknik analisis data yang digunakan adalah analisis regresi data panel dengan alat bantu Eviews 11. Berdasarkan hasil penelitian dan hasil pengolahan data menunjukan bahwa corporate sosial responsibility, kepemilikan institusional, dan nilai perusahaan mempunyai nilai yang fluktuatif pada perusahaan manufaktur sub sektor food and beverage yang terdaftar di Bursa Efek Indonesia tahun 2017-2021, corporate sosial responsibility secara parsial berpengaruh positif signifikan terhadap nilai perusahaan, arus kas operasi kepemilikan institusional berpengaruh negative tidak signifikan terhadap nilai perusahaan, corporate sosial responsibility, dan kepemilikan institusional secara simultan berpengaruh signifikan terhadap nilai perusahaan.
MAKSIMALISASI UMKM KELOLAAN MAHASISWA MELALUI FINTECH LENDING DAN DIVERSIFIKASI PASAR Nisa, Chaerani; Andamari, Basis G.
Jurnal Pengabdian Pendidikan Masyarakat (JPPM) Vol 4 No 1 (2023): Jurnal Pengabdian Pendidikan Masyarakat (JPPM)
Publisher : LPPM UNIVERSITAS MUHAMMADIYAH MUARA BUNGO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52060/jppm.v4i1.1107

Abstract

Generasi muda didorong untuk menjadi wirausaha mengingat UMKM adalah salah satu tombak perekonomian Indonesia. Berbagai program pembinaan yang ada memotivasi mahasiswa untuk praktek langsung menjadi pengusaha. Program tersebut diantaranya melalui hibah bantuan ataupun pelatihan. Untuk itu, kegiatan Pengabdian Masyarakat Fakultas Ekonomi dan Bisnis Universitas Pancasila mendukung hal tersebut dengan melakukan pembimbingan langsung kepada mahasiswa. Pembimbingan secara langsung tersebut mempermudah evaluasi dan diskusi pada waktu yang dibutuhkan. Hasil dari kegiatan pengabdian masyarakat tersebut diantaranya adalah pengenalan pada aplikasi fintech dan diversifikasi produk. Melalui kedua program tersebut mahasiswa memahami dengan lebih mendalam bagaimana memilih fintech lending yang tepat dan juga mengimplementasikan diversifikasi produk.
MENDORONG KEWIRAUSAHAAN GEN Z DENGAN MENGOPTIMALKAN SOSIAL MEDIA Subhan, M. Nuruddin; Andhyka, Bintang; Indriati, Petiana; Nugroho, Adi; Widyaningsih, Murti; Yustisiana, Riska; Herniansyah, Kurnia; Andres, Shan Nemuel; Ephraim, Nathanel; Nisa, Chaerani
Jurnal Pengabdian Pendidikan Masyarakat (JPPM) Vol 5 No 1 (2024): Jurnal Pengabdian Pendidikan Masyarakat (JPPM) Vol 5 No 1 (2024)
Publisher : LPPM UNIVERSITAS MUHAMMADIYAH MUARA BUNGO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52060/jppm.v5i1.1865

Abstract

Cultivating an entrepreneurial mindset from a young age might inspire youths to pursue entrepreneurship. Introducing the entrepreneurial spirit is crucial for high school students. You are expected to have a business plan ready to be implemented when you become an undergraduate student. Faculty of Economics and Business at Pancasila University (FEB UP) mandates its academics to engage in community service as part of their responsibilities. One type of service involves fostering an entrepreneurial mindset through social interaction. FEB UP lecturers conduct entrepreneurship outreach lectures to help high school students understand entrepreneurship. The seminar activities indicate a strong interest in the entrepreneurial profession.
Do profit-and-loss sharing and regional growth buffer credit risk in Islamic rural banks? Nisa, Chaerani; Ichwani, Tia; kurniawati, Dewi
Jurnal Ekonomi & Keuangan Islam Volume 12 No. 1, January 2026
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol12.iss1.art11

Abstract

Purpose – This study investigates how credit risk, profit-and-loss sharing (PLS) financing, and regional economic growth shape the profitability of Islamic rural banks in Indonesia and whether PLS portfolios and local conditions buffer the adverse effect of non-performing financing (NPF) on profitability through a moderating effect.Methodology – The analysis uses a balanced panel of 135 Islamic Rural Banks (IRBs) for 2019–2024, combining bank-level data with Gross Regional Domestic Product (GRDP) per capita growth. Fixed-effects panel regressions with two- and three-way interactions between NPF, PLS measures (total PLS, mudharabah, musharakah), and regional growth were estimated, controlling for size, capital adequacy, efficiency, funding structure, and time effects.Findings – The results demonstrate a robust negative association between non-performing financing (NPF) and return on assets (ROA). Mudharabah-based profit-and-loss sharing (PLS), rather than aggregate PLS or Musharakah alone, attenuates the impact of NPF. Similarly, higher regional growth weakens the marginal effect of credit risk. A negative and significant triple interaction indicates that Mudharabah intensity and favorable regional growth act as substitutes rather than complements, with the strongest mitigation of the NPF effect observed at low to moderate levels of both variables.Implications – The evidence suggests that IRB managers and regulators should calibrate PLS portfolios for regional macroeconomic conditions. Understanding local growth environments can guide the PLS configurations that are most appropriate for promotion within supervisory areas.Originality – This study is among the first to jointly examine the roles of PLS contract composition and regional economic growth in the credit-risk–profitability nexus of IRBs, showing how risk-sharing finance and local business cycles interact in shaping Islamic bank performance.
The Effect of Profitability, Solvency, and Liquidity on Dividend Policy with Market Ratios as a Moderating Variable in Energy and Basic Materials Sector Companies Listed in the Kompas100 Index During the 2019–2024 Period Halim, Jevon Edbert Baruch; Nisa, Chaerani
Journal Research of Social Science, Economics, and Management Vol. 5 No. 7 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i7.1305

Abstract

This study aims to analyze the factors that affect dividend policy in companies in the energy and basic materials sectors listed in the Kompas100 Index. The independent variables used are profitability, solvency, and liquidity, while the dependent variables are dividend policy, and the moderation variable is market ratio. This study uses a quantitative approach with 5 samples of companies in the energy and basic materials sectors listed in the Kompas100 Index for the 2019-2024 period. The sampling technique uses purposive sampling. This research uses secondary data, namely the company's annual financial statement data. The analysis method used was multiple regression analysis using Eviews12. The results of the study show that profitability, solvency, and liquidity both partially and simultaneously do not have a significant effect on dividend policy. In addition, the market ratio variable is not able to moderate the relationship between independent variables and dependent variables.
Pengaruh Likuiditas dan Profitabilitas Terhadap Financial Distress pada Perusahaan Tekstil yang Terdaftar di Bursa Efek Indonesia pada Tahun 2020-2024 Qamra, Salama; Nisa, Chaerani
Jurnal Komunikasi dan Ilmu Sosial Vol. 4 No. 1 (2026): Jurnal Komunikasi dan Ilmu Sosial (Januari - Maret 2026)
Publisher : Dinasti Research & Yayasan Dharma Indonesia Tercinta (DINASTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jkis.v4i1.3079

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh likuiditas yang diproyeksikan dengan Current ratio (CR) dan profitabilitas yang di proyeksikan dengan Net profit margin (NPM) terhadap financial distress pada perusahaan tekstil yang terdaftar di Bursa Efek Indonesia (BEI) pada periode 2020-2024. Industri tekstil menjadi fokus utama karena fluktuasi kinerja yang signifikan akibat disrupsi rantai pasok global dan perubahan daya beli masyarakat dalam lima tahun terakhir. Metode penelitian yang digunakan adalah deskriptif kuantitatif dengan pendekatan kausalitas. Populasi penelitian terdiri dari 17 perusahaan, dimana 14 perusahaan terpilih sebagai sampel melalui teknik purposive sampling berdafarkan kriteria kelengkapan laporan keuangan tahunan. Data sekunder diolah menggunakan analisis regresi data panel dengan bantuan perangkat lunak Eviews13. Hasil penelitian secara parsial menunjukkan bahwa likuiditas memiliki pengaruh positif terhadap kondisi kesehatan keuangan, sementara profitabilitas menunjukkan pengaruh negatif dalam meminimalisir potensi financial distress. Secara simultan kedua variabel berpengaruh signifikan terhadap tingkat ketahanan keuangan perusahaan. temuan ini diharapkan menjadi referensi bagi manajemen perusahaan tekstil dalam menjaga stabilitas arus kas dan efisiensi biaya operasional guna menghindari risiko kebangkrutan di masa depan.
PENGARUH KETERBATASAN UANG SAKU DAN PENGGUNAAN PAYLATER TERHADAP PENGELOLAAN KEUANGAN MAHASISWA DENGAN LITERASI KEUANGAN SEBAGAI VARIABEL MODERASI Aulia, Mutiara; Hendratni, Tyahya Whisnu Hendratni; Nisa, Chaerani; Kaniati, Rika
JIMP : Jurnal Ilmiah Manajemen Pancasila Vol. 6 No. 1 (2026): Maret
Publisher : Fakultas Ekonomi dan Bisnis Universitas Pancasila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35814/1s204p88

Abstract

The rapid development of digital financial services has significantly influenced students’ financial behavior, particularly in managing personal finances amid limited allowances and the increasing use of paylater services. This study aims to analyze the effect of allowance constraints and paylater usage on students’ financial management, with financial literacy as a moderating variable. The population of this study consists of university students domiciled in the Greater Jakarta area (JABODETABEK). The sampling technique employed was non-probability sampling using the purposive sampling method. Data were collected through an online questionnaire and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS 4 software. The results indicate that allowance constraints have a positive and significant effect on students’ financial management, while paylater usage does not have a significant effect. Furthermore, financial literacy has a positive and significant effect on students’ financial management. However, financial literacy does not moderate the relationship between allowance constraints and students’ financial management, nor does it moderate the relationship between paylater usage and students’ financial management. The R-square value of 0.896 indicates that the proposed model has strong explanatory power. These findings suggest that students’ financial management is more strongly influenced by allowance constraints and financial literacy than by the use of paylater services
Menjadi Generasi Cerdas Finansial Mulai Dari Bangku Sekolah Kurniawati, Dewi; Damayanti, Ameilia; Nisa, Chaerani; Munira, Mira; Andamari, Basis G; Ichwani, Tia; Rahmat, Rifqi; Alfan, Muhammad; Alamsyah, Faiz Al-Ghani; Renaliyansyah, Muhammad Andika
Capacitarea : Jurnal Pengabdian Kepada Masyarakat Vol. 6 No. 1 (2026): Januari-April
Publisher : Universitas Pancasila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65179/

Abstract

Kegiatan Pengabdian kepada Masyarakat ini dilaksanakan di SMA Negeri 3 Depok sebagai bentuk kontribusi akademisi dalam meningkatkan literasi keuangan generasi muda. Latar belakang kegiatan ini didasarkan pada masih rendahnya tingkat literasi keuangan remaja. Hal ini berpotensi menimbulkan perilaku konsumtif, minimnya perencanaan keuangan, serta kerentanan terhadap investasi ilegal. Kegiatan PKM dilaksanakan melalui dua tahapan yaitu koordinasi awal dengan pihak sekolah serta pelaksanaan edukasi dan pelatihan investasi bagi siswa kelas XII. Metode yang digunakan meliputi seminar interaktif, simulasi investasi berbasis aplikasi digital, diskusi, games, serta evaluasi melalui pre-test dan post-test. Hasil kegiatan menunjukkan adanya peningkatan pemahaman mengenai konsep investasi, manfaat compounding, serta pentingnya perencanaan keuangan jangka panjang. Antusiasme peserta terlihat dari partisipasi aktif dalam diskusi dan simulasi. Program ini diharapkan menjadi langkah awal pembentukan generasi muda yang cerdas finansial, rasional dalam mengambil keputusan ekonomi, dan siap menghadapi tantangan masa depan.
Co-Authors Adi Nugroho Adinda Cut Nurfajriyah Octorini Afifah F, Salsa Ahyani, Syafira Alamsyah, Faiz Al-Ghani Alfan, Muhammad Andamari, Basis G Andamri, Basis G. Andayani, Nurita Andhyka, Bintang Andres, Shan Nemuel Astuti, Muji Aulia, Mutiara Basis G. Andamari Basis G. Andamari, Basis G. Bintang Andhyka Christy Dwita Mariana, Christy Dwita Cotoro Mukri Damayanti, Ameilia Dewi Kurniawati Dewi Kurniawati Dewi Trirahayu Dian Riskarini Dini Nuraini Djamil, Achmad Dony Abdul Chalid Ephraim, Nathanel Fitriyana, Aidina Florida Ariani Halim, Jevon Edbert Baruch Harimurti Wulandjani Hendratni, Tyahya Whisnu Hendratni Hermawati, Lilik Herniansyah, Kurnia Ichwani, Tia Indriati, Petiana Juniarti, Asti Kaniati, Rika Kartika Febianty Lies Putriana Makin, Wilfridus Resiama Mardhiyah, Muna Muhammad Nuruddin Subhan Muhammad Prayudha Ramadhan Mulatsari, Esti MULYADI Munira, Mira Muthi'ah Rahmadian Naomi Meidiawaty Situmorang Novita Rahmawati, Novita Nur Aisah Nurwidhi Arief Sutoyo Nyoman Suprastha Permana, Erwin Permata, Irma Sari Purwoko, Bambang Qamra, Salama Rahmat, Rifqi Ratumakin, Monika Buka Kopon Renaliyansyah, Muhammad Andika Riska Yustisiana Sania Azhari Saputra, Deni Achmad Sinuraya, Murtada Sinuraya, Murthada Subhan, M. Nuruddin Suprastha, I Nyoman Tia Ichwani Tyahya Whisnu Hendratni Viverita Viverita Widyaningsih, Murti Wina Libyawati, Wina Wutun, Maria Yuliana Nigun Yohana Oentarjo Yustisiana, Riska