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All Journal EkoBis ( Ekonomi & Bisnis ) JBTI : Jurnal Bisnis : Teori dan Implementasi Jurnal Akta Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal of Islamic Economic Laws EDUKA : Jurnal Pendidikan, Hukum, Dan Bisnis Journal of Islamic Accounting and Finance Research Jurnal E-Bis: Ekonomi Bisnis AL-ARBAH: Journal of Islamic Finance and Banking Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Journal of Islamic Economics, Management, and Business (JIEMB) Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMAK) Equilibrium: Jurnal Ekonomi Syariah Jurnal Keuangan dan Perbankan Syariah JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Jurnal Akuntansi, Perpajakan dan Auditing ADM : Jurnal Abdi Dosen dan Mahasiswa Journal on Islamic Economics, Finance, and Banking (Z-CONOMICS) Jurnal Pengabdian Masyarakat (Z-COVIS) Malik Al-Shalih: Jurnal Pengabdian Masyarakat
Kartika Marella Vanni
Universitas Islam Negeri Walisongo Semarang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Efektivitas Strategi Pemasaran Digital Banking Bank Syariah Di Indonesia Kartika Marella Vanni; Viki Safirotu Nadan
Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Vol 3 No 2 (2023): Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) - September 2023
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/jimpa.v3i2.197

Abstract

Sebuah perusahaan terutama perbankan tentunya mempunyai visi dan misi dalam memasarkan produk atau jasanya. Penelitian ini bertujuan untuk mengetahui bentuk strategi pemasaran dan untuk mengetahui bentuk keefektivan strategi pemasaran digital banking Bank Syaria Indonesia. Penelitian ini menggunakan troei strategi promosi dan teori efektivitas pemasaran yang di dalamnya membahas tentang analisis sebuah strategi pemasaran dan membahas keefektivan strategi pemasaran yang dilakukan Bank Syariah Indonesia. Penelitian ini menggunakan metode penelitian kualitatif, diskusi kritis dari sudut pandang penulis, serta dukungan untuk pencarian literatur, kutipan pendapat ahli, dan temuan sebelumnya pada subjek. Hasil dari penelitian ini menunjukan bahwa Bank Syariah Indonesia berhasil memasarkan Digital Banking dibuktikan jumlah pengguna digital banking semakin meningkat. Kesimpulan dari penelitian ini menunjukan bahwa strategi pemasaran sudah dilakuakan Bank Syariah Indonesia dan Strategi pemasarannya sudah efektif.
INNOVATIVE MARKETING COMMUNICATION PRODUCTS OF GRAMEEN SHARIA BANKING Kartika Marella Vanni
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 6 No. 2 (2022): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v6i2.506

Abstract

The Grameen Bank is a financing model to provide capital from banks to economically disadvantaged communities. Islamic Commercial Banks in Indonesia are among the banks that developed this product which was later called the Future Package (PMD). PMD is financing intended for women entrepreneurs or prospective entrepreneurs who belong to the poor group without collateral. In addition to providing financing, PMD also provides training to improve knowledge and entrepreneurial skills as well as monitoring debtor businesses. The purpose of this study is to be able to understand the marketing communication model that has been applied by Islamic banks to female customers, the majority of whom do not have financial literacy and are poorly educated so that they are interested in joining PMD products. The research method used is qualitative research with a case study approach. Then it produces the fact on the ground that Sharia Banks in marketing PMD products for women's empowerment are with an offline and online marketing mix. Product promotion tactics include events and experiences that include a variety of marketing communication tools.
Manajemen Keuangan Individu dan Keluarga kartika marella vanni
ADM : Jurnal Abdi Dosen dan Mahasiswa Vol. 2 No. 2 (2024): ADM : Jurnal Abdi Dosen dan Mahasiswa
Publisher : Penerbit dan Percetakan CV.Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/jurnaladm.v2i2.689

Abstract

Perencaan keuangan penting dilakukan oleh setiap individu terlebih bagi kaum wanita yang sudah mempunyai keluarga. Mereka harus melakukan pengelolaan terhadap keuangannya dengan menyesuaikan dana yang dikeluarkan dan pendapatan yang didapat. Disamping itu, diharapkan bisa membuat skala prioritas dengan memprioritaskan kebutuhan primer. Maka dilakukan kegiatan pengabdian masyarakat ini bertujuan untuk menambah pengetahuan wali murid KB TK Bunga Harapan yang sebagian besar ibu rumah tangga dalam melakukan manajemen keuangan individu dan keluarga agar menciptakan kesejahteraan bersama. Metode yang dilakukan dibagi mendadi tiga tahapan. Pertama, tahap persiapan meliputi penyusunan rundown dan materi. Kedua, tahap pelayanan meliputi penyampaian materi dan sesi tanya jawab. Ketiga, tahap evaluasi meliputi sharing pengalaman dan evaluasi peneriman materi oleh peserta. Hasil penyampaian materi peserta antusias dan sharing pengalaman terkait pengelolaan keuangannya serta saling memberikan penyelesaian pada kesulitan dalam manajemen keuangannya.
Dividend policy as an intervening variable between return on asset and earning per share on stock prices Prasetyoningrum, Ari Kristin; Vanni, Kartika Marella; Mustika, Anjar
Journal of Islamic Accounting and Finance Research Vol. 6 No. 2 (2024)
Publisher : Universitas Islam Negeri Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiafr.2024.6.2.20206

Abstract

Purpose - The aim of this study is to investigate how Return on Asset (ROA) and Earnings per Share (EPS) impact stock prices, while considering dividend policy as a mediating factor.Method - This research uses 6 samples of pharmaceutical companies listed on ISSI during the period of 2017-2021 using purposive sampling technique. The data analysis used in this research is SEM-PLS with the help of WarpPLS software version 7.0.Result - The findings indicate that dividend policy does not act as a mediator between ROA and share prices; however, it does serve as a mediator between EPS and share prices. The direct effects reveal that ROA has a non-significant positive impact on dividend policy, whereas EPS demonstrates a significant positive influence on dividend policy. Both ROA and dividend policy exhibit a significant negative impact on share prices, whereas EPS has a positive and significant influence on share prices. In addition, this research reveals that dividend policy is unable to mediate the relationship between ROA and share prices but is proven to mediate the relationship between EPS and stock prices.Implication - The concept of signaling theory in general can still be used in carrying out financial analysis even when anomalies occur in economic conditions.Originality - This research is research conducted on pharmaceutical companies which are different from other companies which have experienced negative impacts, but pharmaceutical companies have experienced an increase in share prices and profits during the pandemic.
Management Risk Investment (Case Study: Default on Mudharabah) Vanni, Kartika Marella
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 2 (2025): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 2
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i2.1213

Abstract

Investment is a term that is always related to finance and economics. As the times develop, investment is increasingly adjusting to people's interests. One of them is the development of sharia investment. In investing, it is certainly not always profitable, sometimes experiencing ups and downs to losses. This is the background for the birth of investment risk management, so that later every investment risk that will occur investors can be prepared to take further steps to prevent losses. Meanwhile, the deliberations of both parties contributed. The investment that is risky between the two is mudharabah. This is because if the investment suffers a loss, the bank will be fully responsible for everything. Coupled with other risks that can still occur such as default. The existence of this phenomenon, the author will discuss investment risk management in the case study of default in Mudharabah. Keywords : Investment Risk, Default, Mudharabah .
Strategi Bank Syariah Dalam Mendukung Pembiayaan Usaha Mikro Kecil Dan Menengah Eleven Kharisma; Kartika Marella Vanni
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi Vol. 4 No. 1 (2025): Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi
Publisher : CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/jebmak.v4i1.1081

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) merupakan sektor strategis dalam mendorong pertumbuhan ekonomi nasional serta penciptaan lapangan kerja. Namun, keterbatasan akses pembiayaan menjadi salah satu hambatan utama dalam pengembangan UMKM di Indonesia. Bank syariah, dengan prinsip-prinsip keuangan yang berbasis nilai-nilai Islam seperti keadilan, kemitraan, dan keberlanjutan, memiliki potensi besar untuk menjadi alternatif pembiayaan yang inklusif dan berkelanjutan bagi UMKM. Penelitian ini bertujuan untuk mengkaji strategi yang diterapkan oleh bank syariah dalam mendukung pembiayaan UMKM, baik dari sisi produk, kebijakan, maupun pendekatan pelayanan. Metode penelitian yang digunakan adalah pendekatan kualitatif melalui studi literatur dan analisis kasus pada beberapa bank syariah di Indonesia. Hasil kajian menunjukkan bahwa strategi utama bank syariah meliputi pengembangan produk pembiayaan berbasis akad seperti mudharabah dan musyarakah, peningkatan literasi keuangan syariah bagi pelaku UMKM, kemitraan strategis dengan lembaga pendamping, serta digitalisasi layanan untuk menjangkau pelaku UMKM di daerah terpencil. Temuan ini memberikan implikasi penting bagi penguatan peran bank syariah dalam ekosistem pembiayaan UMKM dan mendukung inklusi keuangan yang berkeadilan.
Penghimpunan dan Penyaluran Dana Perbankan Syariah : Peluang dan Tantangan Eva Amelia; Kartika Marella Vanni
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi Vol. 4 No. 1 (2025): Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi
Publisher : CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/jebmak.v4i1.1082

Abstract

Perbankan syariah merupakan pilar penting dalam sistem keuangan nasional yang beroperasi berdasarkan prinsip-prinsip syariah, seperti keadilan, transparansi, dan larangan riba. Penghimpunan dan penyaluran dana menjadi dua aktivitas utama yang menentukan efektivitas fungsi intermediasi bank syariah. Penelitian ini bertujuan untuk mengidentifikasi peluang dan tantangan yang dihadapi perbankan syariah dalam menjalankan dua fungsi tersebut. Dengan menggunakan pendekatan kualitatif melalui studi literatur dan analisis kebijakan, ditemukan bahwa peluang besar muncul dari meningkatnya literasi keuangan syariah, potensi sektor UMKM dan industri halal, serta dukungan regulasi pemerintah. Namun, berbagai tantangan juga dihadapi, seperti rendahnya indeks inklusi keuangan syariah, keterbatasan infrastruktur digital, serta tingginya risiko pembiayaan kemitraan. Oleh karena itu, dibutuhkan strategi yang komprehensif dan kolaboratif dari seluruh pemangku kepentingan untuk memperkuat peran bank syariah dalam mendukung pertumbuhan ekonomi yang inklusif dan berkelanjutan.
Micro waqf bank and its impact on micro-enterprise productivity in Indonesia Vanni, Kartika Marella
Journal of Islamic Economics Management and Business (JIEMB) Vol. 5 No. 2 (2023)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2023.5.2.22306

Abstract

This study aims to examine the mechanisms and schemes implemented by micro waqf bank (Bank Wakaf Mikro, BWM) in enhancing the productivity of micro-enterprises in Indonesia. Using a descriptive qualitative methodology with a literature review approach, this research analyzes secondary data from various relevant academic sources. The findings indicate that BWM combines the concept of waqf with microfinance services, which includes the collection of cash waqf funds through Islamic banks, waqf institutions, and digital platforms. Fund management is conducted by nāẓir who invests the funds in sharia-compliant instruments to support BWM operations and microfinance programs. The financing schemes used by BWM include qarḍ al-ḥasan, muḍārabah, mushārakah, and productive waqf. The qarḍ al-ḥasan scheme provides interest-free loans, while the muḍārabah and mushārakah schemes involve partnerships in business management with profit-sharing based on agreed ratios. The productive waqf scheme utilizes waqf assets to generate income used for microfinance. The implementation of these schemes requires collaboration with various parties and innovations in digital technology to enhance efficiency and transparency. Overall, BWM has provided inclusive financial access, improved micro-enterprise capacity, and created a sustainable business ecosystem for micro-enterprises in Indonesia.
Implementation of Sharia Regulations and Principles in Bullion Bank Operations: A Case Study of Gold Services in Sharia Banks Kartika Marella Vanni; Riska Wijayanti
JURNAL AKTA Vol 13, No 1 (2026): March 2026
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v13i1.50370

Abstract

This study analyzes the legal framework and the implementation of Sharia principles in bullion banking operations, particularly gold-based services provided by Islamic banks in Indonesia. Gold services, including gold savings, gold financing, and gold trading, have strategic potential to support product diversification and enhance the competitiveness of Islamic banking institutions. This research employs a normative juridical method using a conceptual approach and regulatory case studies. The analysis focuses on relevant legal instruments, including Law Number 21 of 2008 on Islamic Banking, regulations issued by the Financial Services Authority, and fatwas of the National Sharia Council–Indonesian Ulema Council concerning gold transactions. The findings indicate that, from a normative perspective, gold services are supported by a sufficient legal foundation through Islamic banking regulations and Sharia fatwas. However, Indonesia has not yet established a comprehensive and specific regulatory framework governing Islamic bullion banking operations. The implementation of Sharia principles in gold services is carried out through murabahah, ijarah, and wadi’ah contracts, emphasizing the existence of physical gold as the underlying asset and ensuring transparency in transactions. Despite this normative compliance, practical challenges remain, particularly regarding regulatory consistency, legal certainty, and the limited availability of physical gold storage infrastructure. Therefore, this study recommends regulatory refinement and stronger institutional coordination among the Financial Services Authority, Bank Indonesia, and the National Sharia Council to strengthen legal certainty and ensure effective compliance with Sharia principles in Islamic banking gold services nationwide.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NON PERFORMING FINANCING PADA PERBANKAN SYARIAH DI INDONESIA TAHUN 2011-2016 Vanni, Kartika Marella; Rokhman, Wahibur
EQUILIBRIUM Vol 5, No 2 (2017): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v5i2.2776

Abstract

This study was conducted to examine the factors affecting Non Performing Financing (NPF) in Sharia Banking in Indonesia such as: Financing to Deposit Ratio (FDR), Exchange Rate, and Inflation. The data used in this research is obtained from the Publication Report on the official website of the Financial Services Authority and Bank Indonesia within a period of six years. This research uses multiple linear regression analysis model which is processed through Eviews 7.0 application. The result of hypothesis testing shows that Financing to Deposit Ratio (FDR) has negative and significant effect to Non Performing Financing (NPF), the exchange rate has positive and significant influence to Non Performing Financing (NPF), inflation have positive and non significant effect to Non Performing Financing (NPF), and Financing to Deposit Ratio (FDR), Exchange Rate, and Inflation together have significant influence to dependent variable that is Non Performing Financing (NPF).
Co-Authors Agus Sulistiyono Ali Imron Ali Murtadho AMATUN NUR MAKMURIYAH Ana Nihayah Nihayah Anjar Mustika Ari Kristin Prasetyoningrum Ari Kristin Prasetyoningrum Eleven Kharisma Eva Amelia Fita Nurotul Faizah Jepri Nugrawiyati Linda Setyowati Lisda Sabrina Muchlis Yahya Muhlis Muhlis Muhlis Mustika, Anjar Mutiara Rahmah Nur Fatoni, Nur Rifqi, Lathif Hanafir Riska Wijayanti Riska Wijayanti Riska Wijayanti Riska Wijayanti Syahidatul Khoiriyah Tria Noviani Viki Safirotu Nadan Wahab Wahibur Rokhman Wilda Waladatus Sholehah Yulfa Widiastuti Zainul Latif Al-Hadad