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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 JEBIMAN: Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi International Journal of Economics, Business and Innovation Research Jurnal Hukum dan Ekonomi Syariah Prawara Jurnal Pengabdian Masyarakat Economics and Business Management Journal
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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Analisis Rasio Solvabilitas (DAR, DER, CAR, LTDER, LTDAR) dalam Menilai Kinerja Keuangan pada PT Bank Central Asia Tbk Tahun 2019-2022 Ina Urifah; Putri Kurnia Sari; Anggita Farah Adiba; Renny Oktafia
Jurnal Ekonomi, Bisnis dan Manajemen Vol. 3 No. 2 (2024): Juni : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : FEB Universitas Maritim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/ebismen.v3i2.2098

Abstract

This study aims to analyze the solvency ratio at PT Bank Central Asia by looking at the percentage of the ability to pay debts against assets and equity with indicators of debt to equity ratio, debt to asset ratio, capital adequacy ratio, long term debt to equity ratio, and long term debt to asset ratio. This research method uses a descriptive method with a quantitative approach. The data used is secondary data obtained from the annual report data of PT Bank Central Asia in 2019-2022. The results of this study indicate that overall it is declared sovable. For 4 years (2019-2022) PT Bank Central Asia in the analysis of capital adequacy ratio, long term debt to equity ratio, long term debt to asset ratio is in accordance with established industry standards, although in the analysis of debt to asset ratio and debt to equity ratio shows numbers above industry standards.
Analysis Of The Influence Of International Prices, Exchange Rates, Export - Import Quotas, Tariff And Non-Tariff Policies On The Volume Of Indonesian Palm Oil (CPO) Exports To India Mrs. Rashika fauzi; 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

This research aims to analyze the influence of international prices, exchange rates, export-import quotas, as well as tariff and non-tariff policies on the volume of Indonesian palm oil (CPO) exports to India. Using secondary data covering the period 1993 – 2023. Analysis was carried out using the ECM, OLS and Classical Assumption Test methods. The research results show that international prices have a positive and significant influence and the exchange rate has a weaker and insignificant positive relationship on the volume of Indonesian CPO exports to India. Export - import quotas have a weak and insignificant relationship and tariff and non-tariff policies have a positive and significant influence on the volume of Indonesian CPO exports to India. This research is expected to provide insight for policy makers and industry players in formulating appropriate strategies to increase the competitiveness of Indonesian CPO exports to the Indian market.
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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Abstract

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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Abstract

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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Abstract

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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Abstract

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.
Co-Authors Aditya Irsyad Hibatullah Adrian Fadel Ceasario Agustina Putri Amelya Romawati Anggita Farah Adiba Asyifa Ridha Septiana Dewi Nuril Afifah Fauzatul Laily Nisa fransiska ajustina Galuh Retno Puspito Ina Urifah Irma Berliana Chandra Dewi Jalaluddin I.R Kamilah Khumairoh Khoriya Prananda Figa Ningrum Laila Krisna Arti Lailatul Hasanah Mentari Clara Dewanti Mohammad Irvan Setiawan Mrs. Rashika fauzi Nanda Novitasari Nethania Christy Nikmatul Khoiriyah Norrencia Prasitha Lisyanti Nura Yulianti Putri Kurnia Sari Reinanda Aprilia Putri Rochimin Rio Ferdinand Simarmata Riza Nuraini Sakinah Mulia Diny Salsabila Nuri. W Varach Cahya Quennara Vena Tri Pramita