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All Journal Jurnal Ilmiah Edunomika (JIE) An-Nisbah : Jurnal Perbankan Syariah Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Kenduri: Jurnal Pengabdian Dan Pemberdayaan Masyarakat
Yunida Een Fryanti
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences

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PENGARUH FEE BASED INCOME TERHADAP PROFITABILITAS PADA BANK MUAMALAT INDONESIA PERIODE 2012-2022 Mutiara Septyana; Asnaini Asnaini; Yunida Een Fryanti
JURNAL ILMIAH EDUNOMIKA Vol 8, No 2 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i2.12876

Abstract

One of the indicators used to measure the performance of a company and measure the amount of profit so that it is used efficiently is to look at the profitability ratio. In terms of profitability, the ratio most often used is Return On Assets (ROA), which measures the ability of bank management to obtain overall profits. The greater the Return On Assets (ROA) of a bank, the greater the level of profit achieved by the bank. The aim of this research is to find out how Fee Based Income influences Bank Muamalat Indonesia's profitability in 2012-2022. This research uses a quantitative approach with data in the form of numbers which will be analyzed and tested using SPSS. The method used is a simple linear regression analysis method, this method is used to determine the influence of Fee Based Income on the Profitability of Bank Syariah Indonesia. The data used is secondary data, namely a time series obtained from Bank Muamalat Indonesia financial report data for 2012-2022. The results of this research indicate that there is no significant influence of the Fee Based Income variable partially on the profitability of Bank Muamalat Indonesia.
EFEKTIVITAS PENYALURAN DANA PROGRAM KELUARGA HARAPAN (PKH) DALAM UPAYA PENGENTASAN KEMISKINAN PADA PESERTA PKH DESA MUARA TIKU KEC.KARANG JAYA KABUPATEN MUSI RAWAS UTARA Handika, Yuli; Desi Isnaini; Yunida Een Fryanti
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 6 No. 2 (2023): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jamekis.v6i2.5594

Abstract

The purpose of this study was to find out how effective the distribution of the Family Hope Program (PKH) funds was and the obstacles in the process of channeling PKH funds in Muara Tiku Village, Karang Jaya District, North Musi Rawas Regency. In this study the authors used a qualitative descriptive research method through interviews, observation, and documentation with research locations in Muara Tiku Village, Karang Jaya District, North Musi Rawas Regency. The informants in this study were 60 informants (all). And what is the focus of the problem in this research is how the effectiveness of the Family Hope Program (PKH) in efforts to alleviate poverty after the Covid-19 pandemic with indicators of the effectiveness of program understanding, target accuracy, goal accuracy, goal achievement and real change. The results showed that the Family Hope Program (PKH) in Muara Tiku Village, Karang Jaya District, was not maximally effective. Where only 2 indicators are said to be effective, namely indicators of goal achievement and real change. Meanwhile, the other 3 indicators were not yet effective, namely indicators of program understanding, target accuracy, and timeliness. Then, the usual obstacle in the process of channeling the Family Hope Program (PKH) funds is the lack of meetings between beneficiaries and PKH assistants, the distance of the post office from the village, and the process of updating data takes a long time.
Peluang Investasi Emas Jangka Panjang Melalui Produk Pembiayaan Cicil Emas (Studi Kasus pada Bank Syariah Indonesia Kantor Cabang Bengkulu Adam Malik) Rahmadhani Aulia; Romi Adetio Setiawan; Yunida Een Fryanti
An-Nisbah: Jurnal Perbankan Syariah Vol. 6 No. 2 (2025): An-Nisbah: Jurnal Perbankan Syariah
Publisher : PRODI PERBANKAN SYARIAH INSTITUT AGAMA ISLAM (IAI) SUNAN KALIJOGO MALANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v6i2.3634

Abstract

Investasi emas menjadi pilihan utama masyarakat karena nilainya yang cenderung stabil dan tidak terpengaruh inflasi. Namun, keterbatasan modal menjadi kendala utama masyarakat dalam berinvestasi emas secara tunai. Bank Syariah Indonesia menghadirkan produk pembiayaan cicil emas sebagai solusi bagi masyarakat yang ingin beinvestasi emas secara bertahap yang sesuai dengan prinsip syariah. Penelitian ini bertujuan untuk menganalisis peluang investasi emas jangka panjang melalui produk pembiayaan cicil emas yang ada di BSI KC Bengkulu Adam Malik. Metode penelitian yang digunakan adalah pendekatan kualitatif. Hasil penelitian menunjukan bahwa produk cicil emas memiliki peluang besar sebagai instrumen investasi jangka panjang dengan skema pembayaran yang lebih fleksibel dibandingkan pembelian emas secara tunai sehingga dapat membantu masyarakat yang ingin memiliki emas yang terkendala dengan modal. Namun, kendala dalam pengembangannya yaitu masih kurangnya sosialisasi produk kepada masyarakat luas dan keterbatasan finansial masyarakat yang belum mampu menjangkau produk ini dan juga menggunakan DP 20%. Oleh karena itu, diperlukan strategi pemasaran yang lebih unggul untuk meningkatkan kesadaran masyarakat mengenai manfaat investasi emas melalui skema pembiayaan syariah.
Sosialisasi Qris di Sektor Usaha Mikro: Pelatihan dan Dukungan Teknis untuk Pengusaha Lokal (Studi Kasus UMKM di Desa Sumber Arum Kecamatan Sukaraja Kabupaten Seluma) Madyani, Fitri; B, Idwal; Yunida Een Fryanti
KENDURI : Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 5 No. 2 (2025): Agustus
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/kenduri.v5i1.1724

Abstract

Advances in digital technology, especially in payment systems, have provided convenience for Micro, Small, and Medium Enterprises (MSMEs). One innovation that plays a major role in this convenience is QRIS (Quick Response Code Indonesian Standard), which enables non-cash transactions practically and efficiently. However, in Sumber Arum Village, Sukaraja District, Seluma Regency, although some MSMEs already know about QRIS, the understanding and application of this technology in daily business activities is still relatively low. As a form of community service activity, the implementing team held socialization and training on the use of QRIS for local MSMEs. This activity lasted for one day and was attended by 13 out of 15 invited participants, with a participation rate of 86.67%. In this training, participants were given material presentations and direct practice on how to create a QRIS account and its use in transactions. Based on the evaluation results, all participants (100%) showed an increase in understanding regarding QRIS. Of the number of participants, 5 people succeeded in creating a QRIS account, and 3 of them had started using QRIS in their business transactions. This finding proves that even though the training was conducted in a short time, the right educational approach was able to increase digital literacy and encourage the implementation of technology among MSMEs in rural areas.
Co-Authors Asnaini Asnaini B, Idwal Desi Isnaini Heni Pujiastuti Madyani, Fitri Mutiara Septyana Rahmadhani Aulia Romi Adetio Setiawan