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All Journal Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Prestise: Jurnal Pengabdian Kepada Masyarakat Bidang Ekonomi dan Bisnis Al-bank: Journal of Islamic Banking and Finance Risalah Iqtisadiyah
Ade Ponirah
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Sosialisasi Pembiayaan Bangun Rumah BTN iB dengan Akad Murabahah di Bank Tabungan Negara Syariah Kantor Cabang Surapati Core Shofa Musyarofah; Yanyan Suryana; Ade Ponirah
Prestise: Jurnal Pengabdian Kepada Masyarakat Bidang Ekonomi dan Bisnis Vol 2, No 2 (2022): Jurnal Pengabdian Kepada Masyarakat Bidang Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/prestise.v2i2.24203

Abstract

Pembiayaan Bangun Rumah BTN iB dengan Akad Murabahah di Bank Tabungan Negara Syariah Kantor Cabang Surapati Core Berdasarkan hasil observasi, jumlah nasabah pembiayaan bangun rumah BTN iB dalam 5 tahun terakhir mengalami fluktuatif. Sehingga menarik minat penulis untuk meneliti lebih lanjut. Penelitian ini bertujuan untuk mengetahui bagaimana syarat, ketentuan, prosedur, analisa perhitungan margin dan akad yang diterapkan pada pembiayaan bangun rumah BTN iB di Bank BTN Syariah KCPS Surapati Core. Bank BTN Syariah KCPS Surapati Core merupakan unit usaha syariah dari PT Bank BTN Konvensional yang merupakan Badan Usaha Milik Negara (BUMN). Beralamat di Jl. PHH. Mustapa, Pasirlayung, Cibeunying Kidul, Kota Bandung. Salah satu produk pembiayaan yang ditawarkan oleh Bank BTN Syariah KCPS Surapati Core yaitu pembiayaan bangun rumah BTN iB. Hasil penelitian mengenai pembiayaan bangun rumah BTN iB dengan akad murabahah di BTN Syariah KCPS Surapati Core yaitu terdapat 7 syarat dan 9 ketentuan yang harus dipenuhi oleh calon nasabah pembiayaan bangun rumah BTN iB, terdapat 8 tahapan prosedur permohonan pengajuan yang melibatkan 5 pihak yaitu nasabah, financing service, branch head, komite pembiayaan konsumer dan notaris. Terdapat margin flat yang ditetapkan oleh pihak bank kepada nasabah sebesar 7% - 10 % per tahun sedangkan penerapan akad yang digunakan adalah akad murabahah.Kata kunci: Pembiayaan; Bangun Rumah BTN iB; Akad Murabahah.
Tinjauan Sistem Pengelolaan Data Barang pada Bagian Storekeeper di Harris Hotel & Convention Ciumbuleuit Bandung Ade Ponirah; Yogi Prastiandi; Fifit Hadiaty
Lokawati : Jurnal Penelitian Manajemen dan Inovasi Riset Vol. 3 No. 2 (2025): Jurnal Penelitian Manajemen dan Inovasi Riset
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/lokawati.v3i2.2249

Abstract

This study aims to analyze the review of the goods data management system in the storekeeper section at Harris Hotel & Convention Ciumbuleuit Bandung. This study uses a descriptive quantitative method with the aim of describing the goods data management system in the storekeeper. Primary data was obtained through the distribution of a questionnaire with a Likert scale to 30 respondents. The results of the study show that the goods data management system at Harris Hotel & Convention Ciumbuleit Bandung, it can be concluded that the implementation of the goods data management system, this system has been implemented well, as evidenced by the average value of 4,345 which shows that the system is running well in facilitating various processes, such as stock monitoring, goods data management, and procurement of goods. The use of this system simplifies the process of managing goods efficiently, reduces recording errors, and speeds up the procurement process. The obstacles faced are that even though this system has run well, there are several obstacles in its implementation, such as data input errors, limited human resources, limited technological infrastructure, difficulties in adapting to system changes, and data security problems. In an effort to overcome the obstacles faced, strategic steps are needed such as providing regular training to system users in order to minimize data input errors, increase and improve the competence of the human resources involved, and strengthen the technology infrastructure with more adequate devices and networks.
Implementation Of Statement Of Financial Accounting Standards (SFAS) 112 Concerning Wakaf Accounting At The Ar-Rasyid Nabarang Baya Foundation Gina Sakinah; Fauziah Khoirunnisa; Ade Ponirah; Syahwa Natasya Sugari; Zahra Rafiatuddinna Namilah
Risalah Iqtishadiyah Vol 3 No 1 (2024): January - June 2024
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v3i1.65

Abstract

This research aims to analyze the implementation of SFAS 112 concerning waqf accounting at the Ar-Rasyid Nabarang Baya Foundation. This research uses qualitative research methods with a descriptive approach. In this research, some information aims to describe systematically, factually, and accurately the application of SFAS 112 in the Financial Reports of the Ar-Rasyidi Nabarang Baya Foundation; the research only applies to the area studied. It uses primary data and secondary data. The data Analysis technique in this research is descriptive analysis with stages of data reduction analysis, data presentation, and conclusion. The results of the research show that the recognition aspect was found, namely that in the financial reports of the Ar-Rasyidi Nabarang Baya Foundation, it did not record waqf assets that were still in the form of we'd or promises in the financial reports; this was felt to be uncertain in the waqf. The Ar-Rasyidi Foundation's financial report does not admit any liabilities. In the measurement aspect, it was found that the measurement of waqf assets in the form of money and land in the financial statements of the Ar-Rasyidi Nabarang Baya Foundation was by SFAS 112. In the disclosure aspect, the Ar-Rasyidi Nabarang Baya Foundation has disclosed its financial reports in the Notes to Financial Reports.
The Impact of Capital Adequacy, Financing Risk, and Profitability on the Market Share of Islamic Banks in Indonesia Taufiq Ridwan Murtadho; Ade Ponirah; Nendi Nur Hidayat; Gina Sakinah
Al-bank: Journal of Islamic Banking and Finance Vol. 5 No. 2 (2025): July - Desember 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i2.15943

Abstract

This study aims to analyze the effect of the Capital Adequacy Ratio, Net Non-Performing Financing, and Return on Assets on the market share of Islamic Commercial Banks in Indonesia. Market share is measured as the percentage of Islamic Commercial Banks assets relative to total national banking assets. The study employs a quantitative approach using multiple linear regression analysis with quarterly aggregate data of Islamic Commercial Banks from Q1 2010 to Q4 2024. Data were obtained from the Islamic Banking Statistics published by the Financial Services Authority. The results reveal that Capital Adequacy Ratio and Net Non-Performing Financing significantly influence market share, while Return on Assets does not. Simultaneously, the three variables significantly affect market share with a coefficient of determination of 70.4%. These findings highlight that capital adequacy and financing quality are the primary factors driving the competitiveness of BUS, while profitability Return on Assets does not have a direct impact on market share expansion
Co-Authors Fauziah Khoirunnisa Fifit Hadiaty Gina Sakinah Nendi Nur Hidayat Shofa Musyarofah Syahwa Natasya Sugari Taufiq Ridwan Murtadho Yanyan Suryana Yogi Prastiandi Zahra Rafiatuddinna Namilah