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All Journal Forum Ekonomi : Jurnal Ekonomi, Manajemen dan Akuntansi SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Iqtishodia: Jurnal Ekonomi Syariah Management Studies and Entrepreneurship Journal (MSEJ) Abdimasku : Jurnal Pengabdian Masyarakat Soeropati: Journal of Community Service BEMAS: Jurnal Bermasyarakat Islamic Business and Finance (IBF) Jurnal Ekonomi, Bisnis dan Manajemen JURNAL EKONOMI BISNIS DAN MANAJEMEN Jurnal Ekonomi Bisnis dan Manajemen International Journal of Economics, Business and Innovation Research Jurnal Hukum dan Ekonomi Syariah Prawara Jurnal Pengabdian Masyarakat Economics and Business Management Journal Journal of Shariah Economics
Renny Oktafia
Ekonomi Pembangunan, Fakultas Ekonomi Dan Bisnis, Universitas Pembangunan Nasional “Veteran” Jawa Timur, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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The Effect Of Third-Party Funds (Dpk), Capital Adequacy Ratio (Car), Return On Assets (Roa), And Return On Equity (Roe) On Financing In Btpn Syariah Mohammad Irvan Setiawan; Renny Oktafia
International Journal of Economics, Business and Innovation Research Vol. 3 No. 05 (2024): International Journal of Economics, Business and Innovation Research (IJEBIR)
Publisher : Cita konsultindo

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Abstract

The banking industry plays an important role in a country's economy, functioning as an intermediary institution and managing risks associated with financing. This study aims to evaluate the influence of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Return On Assets (ROA), and Return On Equity (ROE) on financing in BTPN Syariah. The data used is a quarterly time series data for 10 years, from the fourth quarter of 2014 to the fourth quarter of 2023, following the availability of data on the BTPN Syariah website after becoming a Sharia Commercial Bank (BUS) in July 2014. This study uses the Error Correction Model (ECM) to handle non-stationary data and prevent regression, as well as multiple linear analysis with the Ordinary Least Squares (OLS) method to test the influence of variables. The results of the study showed that deposits had a positive and significant effect on financing, CAR had a positive but not significant effect. ROA also had a positive but not significant effect. ROE has a negative and insignificant effect on financing.
Implementation Of Religious Tourism Development In Improving The Welfare Of The People Of Gresik Regency Maqashid Syariah Perspective Varach Cahya Quennara; Renny Oktafia
International Journal of Economics, Business and Innovation Research Vol. 3 No. 05 (2024): International Journal of Economics, Business and Innovation Research (IJEBIR)
Publisher : Cita konsultindo

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This research explores the potential of the tourism sector as a driver of community economy in East Java Province, with a focus on religious tourism at the tombs of Sunan Malik Ibrahim and Sunan Giri in Gresik Regency. The research aims to understand how the development of religious tourism can improve the welfare of local communities. Primary data was obtained through interviews with foundation administrators and traders at the site, as well as direct observation. The qualitative research method was used by data analysis using ATLAS.ti software. The results of the study show that the development of religious tourism, including the improvement of facilities and cleanliness, has a positive impact on PAD, employment, and the image of the location, although there are negative impacts such as congestion and decreased cleanliness. The development also affects merchants with a decrease in visitors but encourages promotional innovation. The community enjoys a more organized economy and environment, with religious values maintained through education and peer control. Recommendations for the future include a reduction in parking levies and increased cooperation between the government, the community, and the foundation's administrators.
ANALISIS PEMBIAYAAN PADA BANK SYARIAH (Studi Kasus Pada PT. Bank BCA Syariah) Galuh Retno Puspito; Laila Krisna Arti; Riza Nuraini; Renny Oktafia
UQUDUNA: Jurnal Hukum dan Ekonomi Syariah Vol 2 No 01 (2024): Juni
Publisher : STAI Al-Mujtama Pamekasan

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Penelitian ini bertujuan untuk mengatur pengelolaan dana dengan tujuan memelihara stabilitas keuangan PT. Bank BCA Syariah dalam konteks perawatan kesehatan keuangan. Pengelolaan pembiayaan yang efektif bukan hanya menjamin kesehatan keuangan namun dapat mengurangi risiko pembiayaan bermasalah. Untuk menilai kesehatan keuangan bank perlu dilakukan analisis menggunakan rasio-rasio keuangan seperti Non-Performing Financing (NPF), Aset Non-Produktif, dan Financing to Deposit Ratio (FDR),. Temuan studi menunjukkan bahwa rasio keuangan Bank BCA Syariah berada dalam klasifikasi yang menandakan kesehatan keuangan yang baik, dengan rata-rata Non-Performing Financing (NPF) sebesar 0,79%, rata-rata Aset Non Produktif sebesar 0,52%, dan rata-rata Financing to Deposit Ratio (FDR) sebesar 84,51%. Manajemen risiko yang efektif menjadi kunci utama dalam membangun sistem pembiayaan yang aman dan berkelanjutan, penentuan batasan risiko, dan penerapan analisis 5C dan 7A dalam pemberian pembiayaan telah diamati. Analisis 5C mencakup Character, Capacity, Capital, Condition dan Collateral, sedangkan analisis 7A mencakup aspek yuridis, manajemen, teknis/teknologi, pemasaran, keuangan, ekonomi, sosial dan AMDAL, juga agunan. Penerapan ini membantu Bank BCA Syariah dalam mengelola risiko pembiayaan secara efektif dan memastikan pembiayaan diberikan secara bertanggung jawab sesuai dengan prinsip syariah dan praktik perbankan yang baik. Oleh karena itu, penelitian ini memberikan wawasan berharga mengenai manajemen pembiayaan di lingkungan perbankan syariah dan berkontribusi untuk memahami beberapa aspek yang menjadi pemicu kesehatan keuangan bank.
ANALISIS RASIO CAMEL PADA TINGKAT KESEHATAN PERBANKAN SYARIAH (STUDI KASUS PADA BANK BCA SYARIAH DAN BANK MUAMALAT PERIODE 2018-2019): CAMEL meliputi Capital Adequacy Ratio (CAR), AssetiQuality (KAP), iManagement Quality (NPM), , Earnings (ROA &iiBOPO), dan Liquidity (FDR). Norrencia Prasitha Lisyanti; Agustina Putri; Adrian Fadel Ceasario; Renny Oktafia
UQUDUNA: Jurnal Hukum dan Ekonomi Syariah Vol 2 No 01 (2024): Juni
Publisher : STAI Al-Mujtama Pamekasan

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ABSTRAK Tujuan dari penilitian ini adalah berupaya untuk mencari tahu serta membandingkan kesehatan Bank BCA Syariah dan Bank Muamalat. Tingkat kesehatan dapat diukur dengan menggunakan rasio CAMEL yang terdiri atas : Capital Adequacy Ratio (CAR), AssetiQuality (KAP), iManagement Quality (NPM), , Earnings (ROA &iiBOPO), dan Liquidity (FDR). Penelitian ini merupakan penelitian deskriptif dengan pendekatan kuantitatif. Dimana metode penelitian deskriptif adalah metode yang digunakan dalam upaya menggambarkan hasil penelitian dengan cara menganalisis data-data yang ada bersumber dari laporan keuangan. Sedangkan metode penelitian kuantitatif sendri dapat didefinisikan sebagai penelitian yang dalam upaya memperleh hasil dan kesimpulan menggunakan data berupa angka sebagai alat menganalisis dan perhitungan. Metode pengumpulan data dilakukan melalui analisis laporan keuangan tahunan, laporan audit, dan dokumentasi internal dari kedua bank selama periode 2018-2019. Data yang digunakan merupakan data sekunder, mencakup informasi terkait dengan lima dimensi penilaian rasio CAMEL Analisis dilakukan dengan menghitung dan membandingkan rasio CAMEL dari Bank BCA Syariah dan Bank Muamalat. Hasil analisis akan memberikan pemahaman yang mendalam tentang kesehatan keuangan dan kinerja operasional kedua bank, serta perbandingan relatif antara keduanya. Kata-kata kunci : Bank Syariah, CAMEL, Kinerja Keuangan, Kesehatan Keuangan. ABSTRACT The aim of this research is to try to understand and compare the health of Bank BCA Syariah and Bank Muamalat. The level of health can be measured using the CAMEL index which consists of: capital adequacy ratio (CAR), asset quality (KAP), management quality (NPM), profit (ROA &BOPO) and liquidity (FDR). This research is descriptive research with a quantitative approach. Where the descriptive research method is a method used in an effort to describe research results by analyzing existing data obtained from financial reports. Meanwhile, quantitative research methods can be interpreted as research in an effort to obtain results and conclusions using data in the form of numbers as a tool for analysis and calculation. The data collection method was carried out by analyzing the annual financial reports, audit reports and internal documentation of the two banks during the 2018-2019 period. The data used is secondary data which contains information related to the five dimensions of the CAMEL ratio assessment. The analysis was carried out by calculating and comparing the CAMEL ratio of Bank BCA Syariah and Bank Muamalat. The results of the analysis will provide an in-depth understanding of the financial health and operational performance of the two banks, as well as the relative comparison between the two. Keywords: Islamic Bank, CAMEL, Financial Perfomance, Financial Health.
ANALISIS LABA KOTOR TERHADAP PENINGKATAN KINERJA KEUANGAN PERBANKAN PADA PT BANK BCA TBK: ANALISIS LABA KOTOR TERHADAP PENINGKATAN KINERJA KEUANGAN PERBANKAN fransiska ajustina; Nura Yulianti; Nethania Christy; Renny Oktafia
UQUDUNA: Jurnal Hukum dan Ekonomi Syariah Vol 2 No 01 (2024): Juni
Publisher : STAI Al-Mujtama Pamekasan

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Peningkatan kinerja keuangan merupakan hal yang sangat penting bagi perusahaan perbankan dalam menjaga daya saing dan keberlanjutan bisnisnya. Salah satu faktor yang dapat memberikan kontribusi signifikan terhadap kinerja keuangan sebuah bank adalah analisis laba kotor. Analisis laba kotor menjadi salah satu indikator utama dalam mengevaluasi efisiensi operasional dan kemampuan bank dalam menghasilkan pendapatan. Tujuan dari penelitian ini yaitu untuk mengkaji hubungan antara laba kotor dan kinerja keuangan pada PT Bank BCA Tbk. Penelitian ini dilakukan dengan menggunakan metode pendekatan kualitatif dengan cara menganalisis laporan laba bank BCA terhadap kinerja keuangan PT Bank BCA Tbk pada tahun 2021 sampai tahun 2023. Hasil analisis menunjukan adanya hubungan antara laba kotor dan kinerja keuangan bank, dimana laba kotor tersebut berkontribusi secara positif terhadap pertumbuhan dan stabilitas keuangan PT Bank BCA Tbk.
PELATIHAN SERVICE EXCELLENT PADA KSP “AR ROHMAH” JAWA TIMUR MENUJU KONVERSI SYARIAH Renny Oktafia; Mentari Clara Dewanti
PRAWARA Jurnal ABDIMAS Vol 2 No 2 (2023): PRAWARA JURNAL ABDIMAS
Publisher : CV. Manha Digital

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63297/abdimas.v2i2.55

Abstract

Community Service is carried out by providing Service Excellent improvement training to employees of the “Ar Rohmah” Savings and Loans Cooperative (KSP), Candi, Sidoarjo. Where, currently it is in the transition period to become a Sharia KSP. The implementation of the training is divided into several parts, namely, the introduction of sharia cooperatives and an overview of the duties of each administrator and excellent service. This training is expected that the participants can understand the training activities provided and can help the cooperative in managing sharia-based HR performance properly and experiencing improvement. So that the process of transition to sharia can run according to the provisions. The results show that there has been a significant increase, related to the ability of KSP "Ar Rohmah" management in managing human resources after attending the training
Analisis Dampak Kebijakan Moneter Terhadap Pertumbuhan Aset Bank Syariah Sakinah Mulia Diny; Renny Oktafia
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
Implementasi Akad Pelengkap / Fee Based Income Pada Perbankan Syariah di Indonesia Rio Ferdinand Simarmata; Dewi Nuril Afifah; Asyifa Ridha Septiana; Aditya Irsyad Hibatullah; Renny Oktafia
Economics And Business Management Journal ( EBMJ ) Vol. 1 No. 01 (2024): Economics And Business Management Journal (EBMJ)
Publisher : Rey Media Grafika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66084/ebmj.v1i01.178

Abstract

Bank syariah adalah lembaga keuangan yang menawarkan beragam jenis transaksi, termasuk transaksi dibidang pelayanan jasa. Pelayanan jasa ini meliputi berbagai produk layanan sesuai dengan jenis akad yang digunakan. Dalam konteks pelayanan jasa, bank mendapatkan pendapatan melalui fee based income, yang merupakan biaya yang dikenakan untuk memfasilitasi transaksi atau pembiayaan. Layanan jasa ini tersedia baik untuk nasabah maupun non-nasabah bank. Tujuan dari penelitian ini adalah untuk mengetahui implementasi akad pelengkap/fee based income pada perbankan syariah. Metode penelitian yang kami gunakan dalam penelitian ini adalah metode penelitian studi literatur. Penulisan ini berfokus pada implementasi akad pelengkap/fee based income pada perbankan syariah. Terdapat enam akad pelengkap dalam perbankan syariah, diantaranya adalah Al-Wakalah, Al-Kafalah, Ar-Rahn, Al-Hiwalah, Qardh, dan Sharf.
Analisis Optimalisasi Efiensi Operasional Bank BNI Berdasarkan Rasio Biaya Dana Pada Tahun 2019-2021 M.Arief Safi’i; Ratna Ayu Wijayanti; Riki Zogik Firmansyah; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.669

Abstract

This research evaluates and optimizes the operational efficiency of Bank Negara Indonesia (BNI) during the 2020-2023 period with a focus on the cost of funds ratio. Using a quantitative approach and qualitative interpretation, this research analyzes BNI financial data to identify trends and factors that influence fund expense ratios. The results provide insight into BNI's performance compared to industry standards and competitors. It is hoped that the recommendations from this research can help BNI management improve operational efficiency, support competitiveness in the banking industry, and make a positive contribution to the national economy.
PRAKTIK PENERAPAN AKAD WADI’AH DALAM PERBANKAN SYARIAH (STUDI KASUS BANK BTN) Ratna Ayu Wijayanti; M.Arief Safi’i; Riki Zogik Firmansyah; Mirza Hisyam Maulana; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.670

Abstract

This research focuses on the implementation of the Al Wadiah concept in the State Savings Bank (BTN) in Indonesia. The concept is based on Islamic law and deals with trust and custody. The bank has integrated Al Wadiah into its savings services and manages customer funds in accordance with Sharia regulations. This study uses secondary data to analyze the implementation. The study found that BTN offers a range of savings products that emphasize the security of deposited funds. The study also identified challenges and opportunities faced by the bank in implementing the concept. These challenges include regulatory changes, educating the public and a comprehensive understanding of Sharia principles. Despite these challenges, there are opportunities for BTN to expand its range of Sharia-based services and increase public confidence in the financial system.
Co-Authors Aditya Irsyad Hibatullah Adrian Fadel Ceasario Agustian Mahendra Putera Agustina Putri Amelya Romawati Anggita Farah Adiba Asyifa Ridha Septiana Aulia Daisy Arsy Syafitri Bunga Aura Putri Sulistyono Cyntya Dwi Permata David Maulana Verdiansyah David Verdyansyah Devina Lutfa Dianti Dewi Nuril Afifah Ertanti Ardian Evi Fortuna Sukiran Putri Fauzatul Laily Nisa Fitri Wulandari fransiska ajustina Galuh Retno Puspito Ina Urifah Irma Berliana Chandra Dewi Jalaluddin I.R Juliani Wulandari Kamilah Khumairoh Khoriya Prananda Figa Ningrum Laila Krisna Arti Lailatul Hasanah M.Arief Safi’i Mentari Clara Dewanti Mirza Hisyam Maulana Mochamad Rizal Anwar Mohammad Irvan Setiawan Mrs. Rashika fauzi Muhammad Farhan Mochtar Nadila Salsavira Nanda Novitasari Nethania Christy Nikmatul Khoiriyah Norrencia Prasitha Lisyanti Nura Yulianti Pramesti Pramudita Ektiyas Anggraeni Putri Kurnia Sari Ratna Ayu Wijayanti Reinanda Aprilia Putri Rochimin Reinanda Aprilia Putri Rochimin Riki Zogik Firmansyah Rio Ferdinand Simarmata Rio Ferdinand Simarmata Ririt Iriani Riska Noviana Riza Nuraini Sakinah Mulia Diny Salsabila Nuri. W Sephia Zalyanti Syaila Salsabila Varach Cahya Quennara Vena Tri Pramita Wisanggeni Wahyu Lintang B.S