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All Journal Jurnal Ekonomi : Journal of Economic QIJIS (Qudus International Journal Of Islamic Studies) An-Nisbah: Jurnal Ekonomi Syariah JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi Jurnal Ekonomi Islam Martabe : Jurnal Pengabdian Kepada Masyarakat GERVASI: Jurnal Pengabdian kepada Masyarakat Account : Jurnal Akuntansi, Keuangan dan Perbankan Journal of Economics and Business Aseanomics Soeropati: Journal of Community Service Jurnal Abdimas Ilmiah Citra Bakti (JAICB) Equalita: Jurnal Studi Gender dan Anak Jurnal Ilmiah Wahana Pendidikan Jurnal Abdimas Bina Bangsa Islamic Business and Finance (IBF) Rengganis Jurnal Pengabdian Masyarakat Jurnal Abdimas Kartika Wijayakusuma Unram Journal of Community Service (UJCS) Jurnal Ekonomika Dan Bisnis PREDIKSI : Jurnal Administrasi dan Kebijakan Prosiding University Research Colloquium International Journal of Economics (IJEC) International Journal of Community Service (IJCS) Dharma Pengabdian Perguruan Tinggi (DEPATI) Jurnal Ekonomi Islam JURNAL EKONOMI BISNIS DAN MANAJEMEN Indo-Fintech Intellectuals: Journal of Economics and Business Amal Ilmiah: Jurnal Pengabdian Kepada Masyarakat Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Ekonomi Bisnis dan Manajemen Jurnal Kajian Islam dan Sosial Keagamaan Advances In Social Humanities Research El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JURNAL RUMPUN MANAJEMEN DAN EKONOMI An-Nisbah: Jurnal Ekonomi Syariah Journal of Ekonomics, Finance, and Management Studies Jurnal Pengabdian Kepada Masyaraka Pelita Nusantara Jurnal Abdimas Ilmiah Citra Bakti Al-Infaq : Jurnal Ekonomi Islam
Renny Oktafia, Renny
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THE INFLUENCE OF CAR, NPF, FDR ON ROA OF BPRS HIK PARAHYANGAN FOR THE YEARS 2015-2023 Oktafia, Renny; Wulandari, Annisa Dwi; Kusuma, Shania Pradyptha; Latifah, Mutiata
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 3 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v5i3.3479

Abstract

The ongoing growth of Indonesia’s Sharia banking sector underscores the necessity of assessing the financial performance of Sharia People’s Financing Banks as microfinance entities. This study examined the consequence of Capital Adequacy Ratio, Non-Performing Financing, and Financing to Deposit Ratio on Return on Assets at BPRS HIK Parahyangan. The study seeks to explore the consequence of those parameters on financial success, as shown by ROA, and to provide novel insights pertinent to financial management at this BPRS. The methodology is using quantitative analysis via multiple linear regression, tapping into secondary data sourced from the yearly financial statements of BPRS HIK Parahyangan for the years 2015 to 2023, analyzed with using SPSS 27 software. The research findings prove that CAR negatively affects ROA, whereas NPF and FDR exhibit no significant partial influence. None of them exert a concurrent influence on ROA. These findings contradict previous research that indicate a significant implication of these three parameters on the profitability of Sharia banks. The originality of the research resides in the particular research subject and the findings that offer a fresh viewpoint on the dynamics of financial ratios and its profitability
Analisis Tingkat Kesehatan Bank BCA Berdasarkan Rasio Rentabilitas Pada Tahun 2020-2022 wulansari, suci diana; rachmaniyah, bunga ayufi; majid, alfi aulia; oktafia, renny
PREDIKSI : Jurnal Administrasi dan Kebijakan Vol 24, No 1 (2025)
Publisher : Universitas 17 Agustus 1945 Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31293/pd.v24i1.7659

Abstract

Penelitian ini meiliki tujuan guna mengukur rasio rentabilitas. Rasio rentabilitas perlu diperhitungkan karena untuk mengetahui kesehatan dari Bank Central Asia. Dalam mengukur Rasio Rentabilitas menggunakan Metode pengumpulan data yaitu dengan cara studi literatur, dengan menggunakan metode analisis deskriptif. Pada hasil penelitian menunjukkan Return On Asset, Return On Equity, dan Net Profit Margin Bank Central Asia berada pada posisi baik atau sehat. Jadi, dapat dikatakan bahwa rentabilitas pada Bank Central Asia pada tahun 2020-2022 dikatakan baik atau sehat karena sudah sesuai berdasarkan ketentuan Surat yang dikeluarkan Bank Indonesia No.6/23/DPNP pada tanggal 31 Mei 2004.
Analisis Rasio Biaya Dana Pada (Studi Kasus) Laporan Keuangan PT BPD Jawa Timur Situmorang, Febrina; Maulidyah, Syafrida; Putri, Rosalyta Rifany; Oktafia, Renny
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 4 No. 2 (2024): Maret-Appril
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v4i2.1587

Abstract

The role of banking currently has enormous power in the financial system, and has even become a key element in driving a country's economic progress. Banking institutions are business entities that operate in the financial sector or provide financial services. One form is the Regional Development Bank (BPD), which is owned by the provincial or district/city government of Indonesia. Fundamental role as a supporter of regional economic development by providing financial and banking services. BPD East Java is an example of a Regional Development Bank owned by the East Java Provincial Government. This research focuses on analyzing the financial reports of BPD East Java from 2020 to 2021
Information Media Innovation as a Support for the Development of BTPN Syariah MSMEs in the Kromengan Region, Malang Regency Ardiwinata, Muhammad Everest; M. Taufiq; Oktafia, Renny
International Journal of Community Service (IJCS) Vol. 4 No. 1 (2025): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v4i1.998

Abstract

This community service aims to develop and implement innovations in the use of information media as a support for the development of Micro, Small and Medium Enterprises (MSMEs) that are customers of the Sharia National Retirement Savings Bank (BTPN) in the Kromengan area, Malang Regency. This service proposes innovative strategies such as optimizing the increase in the use of information technology to support the marketing and promotion of MSME products. Service steps include identifying the needs of MSMEs, analyzing existing information media, developing innovative strategies based on the identified needs, and implementing training and mentoring for MSME owners in implementing this strategy. Monitoring and evaluation are carried out periodically to measure the impact of information media strategies on increasing sales and visibility of MSMEs in the Kromengan area. The method used is the ABCD (Asset Based Community Development) method, which is an approach model that emphasizes one point of purpose, namely in the inventory of assets that support community empowerment activities The results of this service show that the use of innovative strategies in information media can significantly increase market access and sales of MSMEs in the Kromengan area.
The Role of the Bestee Program in Empowering and Increasing the Sustainability of MSMEs for BTPN Syariah Customers at MMS Peterongan Through Assistance Regarding the Importance of Procuring Business Identity Saputri, Nanda Vernia Adji; Oktafia, Renny
International Journal of Community Service (IJCS) Vol. 4 No. 2 (2025): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v4i2.999

Abstract

At this time, MSMEs play an important role in increasing economic growth in a region. Because the more MSMEs there are in a region, the higher the economic growth in that region will be from time to time. The aim of this service is to provide knowledge and understanding about the importance of providing business identities for MSME actors at MMS Peterongan which will increase income and make the businesses of these MSME actors known to many people. The method used is the ABCD (Assest Based Community Development) method with 5 (five) activity stages, namely discovery, dream, design, define, and destiny. This will be done by meeting each customer and providing assistance to 30 customers. This mentoring activity was carried out over 4 sessions over a period of 4 months at MMS Peterongan, Jombang, East Java.
Community Empowerment through Sharia Bank-Based Investment Programs: A Case Study in the Ampel Region Ilma, Adam Zidni; Oktafia, Renny
International Journal of Community Service (IJCS) Vol. 4 No. 2 (2025): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v4i2.1000

Abstract

This service aims to empower communities in the Ampel area through a sharia bank-based investment program, with a participatory approach that involves active community involvement in implementing sharia principles in their economic activities. The methodology used includes several important stages. First, the needs and characteristics of the Ampel community were identified, including business capital, education, health and housing needs, as well as investment preferences for sharia products such as sharia deposits, sharia microfinancing and waqf or sukuk-based investments. This stage involves in-depth data collection to understand people's primary financial needs. After identification, an empowerment program is designed with the aim of improving the economic welfare of the community through sustainable sharia bank investment. This program emphasizes active community participation in sharia financial and investment management, developing strategies that prioritize justice, transparency and sustainability. Furthermore, outreach was carried out to introduce the importance of sharia investment to the public. This socialization aims to increase public understanding and participation in using sharia financial products and services. Program implementation is carried out through several stages involving various stakeholders, with a structured approach to ensure its success and sustainability. This program has succeeded in increasing financial literacy, access to sharia financial products, and the economic independence of the Ampel community. The results show that a participatory approach in sharia investment can provide significant social and economic benefits, and has the potential to become a model of sharia-based economic empowerment that can be applied in other regions. With continued support, it is hoped that this program will continue to develop and provide greater benefits for the Ampel community.
Analisis Dampak Kebijakan Moneter Terhadap Pertumbuhan Aset Bank Syariah Diny, Sakinah Mulia; Oktafia, Renny
ISLAMIC BUSINESS and FINANCE Vol 6, No 1 (2025): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v6i1.27756

Abstract

The monetary policy plays a significant role in shaping economic conditions, including in the Islamic banking sector. This article aims to analyze the impact of monetary policy on the growth of Islamic banks in the current economic context. The study employs a qualitative method based on previous data, other articles, books, and internet sources to support the research. The analysis results indicate that monetary policy has a significant impact on the profitability of Islamic banks. Changes in interest rates, liquidity, inflation, and other related monetary policy variables have correlations that can influence profit margins and overall bank performance. This research provides insights for financial practitioners, regulators, and academics to understand how monetary policy can affect the stability and growth of Islamic banks. The study also includes adjustments to risk and financial management strategies to address potential changes in market conditions.Monetary Policy, Islamic Bank, Interest Rates
Pemanfaat E-Commerce Tokopedia Sebagai Upaya Pengembangan Pemasaran UMKM Kue Kering Di Desa Sumurmati Reihan, Mohammad; Oktafia, Renny
Jurnal Pengabdian Kepada Masyaraka Pelita Nusantara Vol. 3 No. 1 (2024): Edisi Agustus
Publisher : Loddos Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69688/jpmp.v3i1.189

Abstract

Perkembangan masa revolusi industri 4.0 seperti saat ini, mengharuskan bagi para pelaku UMKM untuk dapat memanfaatkan dengan baik teknologi yang ada untuk menggerakkan usaha UMKM mereka. Dengan hadirnya mahasiswa/i KKNT-MBKM UPN “Veteran” Jawa Timur di Desa Sumurmati ini diharapkan dapat membantu para pelaku UMKM di Desa Sumurmati ini dalam memanfaatkan teknologi yang ada dengan program sosialisasi pemanfaatan e-Commerce sebagai upaya pengembangan pemasaran produk UMKM di Desa Sumurmati. Dalam pelaksaanaan program kerja tersebut, didapatkan output berupa keberhasilan mahasiswa/i KKNT-MBKM dalam melakukan sosialisasi berupa pemberian infomrasi dan pemahaman tentang pemanfaatan e-commerce, sehingga mampu menarik minat dari pelaku UMKM Kue Kering untuk dapat memanfaatkan e-commerce sebagi tempat bagi mereka untuk mengembangkan pemasaran produk UMKM nya, sehingga dapat meningkatkan penjualan bagi UMKM Kue Kering.
Sharia Finance Training in Increasing the Capacity of Human Resources in the Savings and Loan Cooperative Ar-Rohmah Sidoarjo: Pelatihan Keuangan Syariah Dalam Meningkatkan Kapasitas Sumber Daya Manusia di Koperasi Simpan Pinjam Ar-Rohmah Sidoarjo Oktafia, Renny; Mentari Clara Dewanti
Jurnal Soeropati Vol 5 No 1: November 2022
Publisher : LPPM Universitas Yudharta Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/js.v5i1.3312

Abstract

The Ar-Rohmah Savings and Loans Cooperative is transitioning from conventional cooperatives to sharia-based cooperatives, to meet the demands of cooperative members that are under Islamic values ​​and are more just in transactions under muamalah provisions in Islam. Therefore, to help with the problems faced by the East Java Ar Rohmah Savings and Loans Cooperative and increase the capacity of its human resources, it is necessary to hold training related to Islamic financial management. This activity aims to provide training to employees of the Ar-Rohmah Savings and Loan Cooperative on how to manage finances according to sharia principles so that later they can serve customers well under Islamic sharia provisions. The implementation of this activity uses the Participatory Action Research method through three stages, namely preparation, implementation, and evaluation. Through the evaluation results of the pre-test and post-test with a ratio of 11.91, this community service activity has succeeded in changing the work habits of cooperative employees towards the work and knowledge they apply. The knowledge that has been obtained regarding Islamic financial management is expected to become a driving force for other Islamic cooperative employees.
ANALISIS PERBANDINGAN PENYAJIAN LAPORAN KEUANGAN KOPERASI SYARIAH DAN KOPERASI KONVENSIONAL Salsabila, Alifah Naurah; Oktafia, Renny
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 1 No. 5 (2023): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v1i5.590

Abstract

Koperasi syariah dan koperasi konvensional memiliki perbedaan dalam hal penyajian laporan keuangan. Tujuan penelitian ini adalah untuk menganalisis perbandingan penyajian laporan keuangan pada koperasi syariah dan koperasi konvensional. Metode penelitian yang digunakan adalah kajian literatur. Hasil penelitian menunjukkan bahwa laporan keuangan koperasi syariah terdiri dari neraca, laporan laba rugi, laporan perubahan ekuitas, laporan arus kas, laporan promosi ekonomi anggota, dan catatan atas laporan keuangan. Sedangkan laporan keuangan koperasi konvensional hanya terdiri dari neraca, laporan laba rugi, laporan perubahan ekuitas, dan catatan atas laporan keuangan. Perbedaan lainnya terletak pada istilah-istilah yang digunakan seperti istilah bagi hasil pada koperasi syariah dan istilah bunga pada koperasi konvensional.
Co-Authors Abdul Basith Agustina, Devi Alfiansyah, Calvin Amalia, Holisatul angella20, jemima20 Ardiwinata, Muhammad Everest Ary Fauziah Amini Ayu, Alnysa Purwita Aziz, Rizqi Nurul Afifa Bella, VIOLA Candraningtyas, Callista Vania Crisandy, Fabian Daniswara, Edo Dewi, Kharisma Tri Buana Dimas Nugroho Dwi Seputro Diny, Sakinah Mulia Dyah Suryani Elisabeth Sirait, Petra Fadhilah, Rizky Ahmad Fadhlilhaq, Tsaqif Faiqotul Himmah Febrianti, Fina Fajar Fironika, Firda Cahaya Fitri Wulandari Fransiska Ajustina Hafizhah, Aqilah Nur Isnaini Harisanti, Nur Nadila Hartanti, Wulan Siska Dwi Ilma, Adam Zidni Imron Mawardi Indiati, Pingkan Syabila Tri Khairunisa, Siti Kholifah, Ananda Nur Kusuma, Shania Pradyptha Laily Nisa, Fauzatul Laily, Fauzatul Latifah, Mutiata M. Taufiq M. Taufiq Majid, Alfi Aulia Mantika, Tri Yuni Marseto Marseto, Marseto Maulidyah, Syafrida Mentari Clara Dewanti Mufajar, Aniswatin Putri Muhammad Ilham Naufal Muhammad Yani, Muhammad Nahdah, Adiibah Afifah Nisa, Fauzatul Laily Nur Hidayat, Yogi Pandiangan, Jeniper Indah Permatasari, Siviana Pratama, Mohammad Adi Puspitasari, Ana Widya Puspito, Galuh Retno Puteri, Natasha Arvanessa Putri Isnaeni, Widya Okta Putri, Rosalyta Rifany Rachmaniyah, Bunga Ayufi Ramadhanty, Nila Safira Reihan, Mohammad Ristiyono, Adinda Dwi Salsabila, Alifah Naurah Sandi, Pramu Mai Santosa, Agus Budhi Saputri, Nanda Vernia Adji Setiawan, Mohammad Irvan Sinaga, Debora Theresia Wulan Situmorang, Febrina Sukiran Putri, Evi Fortuna Syarif, Muhammad Zulfan Taher, Lisanur Kholifah Tania P.F, Fredella Taufiq, M. Ahmad Wati, Ika Murni Wulandari, Annisa Dwi Wulansari, Suci Diana Yundari, Yundari Zahroh, Fitriana Zalyanti, Sephia Zebua, Michael