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Analisis Camel Pada Bank Syariah dan Dampaknya Terhadap Risiko Kredit Rakhmat, Adrianna Syariefur; Fahamsyah, Mohammad Hatta; Nurastuti, Preatmi; Ainulyaqin, Muhammad Hamdan
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15429

This research aims to analyze the influence of ROA, NPF, NPM, BOPO and FDR on CAR. The sample used in this research used 60 data. The analytical tools used were Classic assumption test, multiple linear regression, t test, F test and determinant coefficient. The research results show that partially the variable Return on Assets (ROA) has a positive and significant effect on the Capital Adequation Ratio (CAR) and the Financing to Deposit Ratio (FDR) has a positive and insignificant effect on the Capital Adequation Ratio (CAR). Meanwhile, Non-Performing Financial (NPF), Net Profit Margin (NPM) and Operating Costs/Operating Income (BOPO) have a negative and significant effect on the Capital Adequation Ratio (CAR). Simultaneously, the variables Return on Assets (ROA), Non-Performing Financing (NPF), Net Profit Margin (NPM), Operational Costs/Operational Income (BOPO), and Financing to Deposit Ratio (FDR) have a significant positive effect on the Capital Adequation Ratio (CAR ). The determinant coefficient r square value of 0.571 means that the variables Return on Assets (ROA), Non-Performing Financing (NPF), Net Profit Margin (NPM), Operational Costs/Operational Income (BOPO), and Financing to Deposit Ratio (FDR) have an impact on The Capital Adequation Ratio (CAR) is 57.1% and there are still other variables remaining at 42.9%

EMPLOYEE ENGAGEMENT AS THE KEY TO OPTIMIZING PERFORMANCE: UNDERSTANDING THE IMPACT OF POWER DISTANCE AT CV MEGA MENDUNG STELL Rezeki, Fitri; Mardiputra, Hamzah Muhammad; Supriyanto, Supriyanto; Fahamsyah, Mohammad Hatta
Jurnal Apresiasi Ekonomi Vol 12, No 3 (2024)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v12i3.950

Human resources (HR) play a crucial role in achieving organizational goals. Employee engagement is expected to enhance performance by deepening the understanding and implementation of job functions. Both qualitative and quantitative employee performance are essential for a company's success, as they directly impact outcomes. At CV Mega Mendung Stell, declining employee performance has negatively affected profitability. Strong employee motivation is critical for maintaining a competitive edge, as engaged employees typically exhibit higher performance levels and stronger attachment to their work and company. Research shows that power distance within an organization—measuring the extent to which power differences are accepted and communicated—has a significant impact on employee performance. High power distance can lower motivation, while low power distance can place excessive pressure on employees. Effective work engagement can manage this balance, fostering an environment that promotes engagement and efficient decision-making, thereby improving overall organizational effectiveness. This study aims to explore the impact of employee engagement on performance at CV Mega Mendung Stell, providing insights to improve HR management and organizational performance. Keywords: Employee Engagement , Employe Performance , Power Distance

Optimalisasi Hukum Agraria Melalui Pengembangan Potensi Lokal : Studi Kasus Penanaman Jengkol Di Desa Karangmulya Syahwildan, Muhamad; Fahamsyah, Mohammad Hatta; Widiastuti, Widiastuti
Lentera Pengabdian Vol. 3 No. 01 (2025): Januari 2025
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/lp.v3i01.750

Budidaya jengkol di Indonesia memiliki potensi ekonomi yang signifikan terutama bagi masyarakat pedesaan seperti di Karangmulya, Bojongmangu Kabupaten Bekasi. Kegiatan pengabdian masyarakat ini memilih jengkol sebagai komoditas utama karena nilai jualnya yang tinggi dan kemampuannya beradaptasi dengan kondisi lingkungan lokal. Namun, budidaya jengkol menghadapi berbagai tantangan, termasuk ketidakpastian hukum terkait kepemilikan lahan dan regulasi yang rumit. Tujuan dari pengabdian ini untuk mempromosikan praktik budidaya jengkol yang sesuai dengan hukum agraria serta meningkatkan kesejahteraan ekonomi petani lokal. Metode yang digunakan adalah pendekatan yuridis normatif, yang melibatkan studi literatur dan analisis peraturan hukum terkait kepemilikan dan pengelolaan lahan. Penanaman 40 bibit jengkol di Karangmulya dilakukan berdasarkan arahan dari aparat desa untuk memastikan kepatuhan terhadap regulasi tata ruang. Hasil kegiatan menunjukkan bahwa kepatuhan terhadap hukum dapat mengurangi ketidakpastian dan konflik lahan, serta meningkatkan efektivitas pengelolaan lahan. Pengabdian masyarakat ini berhasil mempromosikan praktik budidaya yang legal dan berkelanjutan, memberikan manfaat ekonomi bagi petani lokal, dan menjaga kelestarian lingkungan. Model ini dapat diterapkan di wilayah lain untuk mendukung pengembangan ekonomi pedesaan yang berbasis pada hukum agraria

Analisis Camel Pada Bank Syariah dan Dampaknya Terhadap Risiko Kredit Rakhmat, Adrianna Syariefur; Fahamsyah, Mohammad Hatta; Nurastuti, Preatmi; Ainulyaqin, Muhammad Hamdan
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15429

This research aims to analyze the influence of ROA, NPF, NPM, BOPO and FDR on CAR. The sample used in this research used 60 data. The analytical tools used were Classic assumption test, multiple linear regression, t test, F test and determinant coefficient. The research results show that partially the variable Return on Assets (ROA) has a positive and significant effect on the Capital Adequation Ratio (CAR) and the Financing to Deposit Ratio (FDR) has a positive and insignificant effect on the Capital Adequation Ratio (CAR). Meanwhile, Non-Performing Financial (NPF), Net Profit Margin (NPM) and Operating Costs/Operating Income (BOPO) have a negative and significant effect on the Capital Adequation Ratio (CAR). Simultaneously, the variables Return on Assets (ROA), Non-Performing Financing (NPF), Net Profit Margin (NPM), Operational Costs/Operational Income (BOPO), and Financing to Deposit Ratio (FDR) have a significant positive effect on the Capital Adequation Ratio (CAR ). The determinant coefficient r square value of 0.571 means that the variables Return on Assets (ROA), Non-Performing Financing (NPF), Net Profit Margin (NPM), Operational Costs/Operational Income (BOPO), and Financing to Deposit Ratio (FDR) have an impact on The Capital Adequation Ratio (CAR) is 57.1% and there are still other variables remaining at 42.9%

Profit-Loss Sharing in Islamic Banking: Global Insights from a Systematic Review Fahamsyah, Mohammad Hatta; Laila, Nisful; Rakhmat, Adrianna Syariefur; Shabbir, Malik Shahzad
Economica: Jurnal Ekonomi Islam Vol. 14 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2023.14.2.26021

Islamic banking emerged as a response to the limitations of interest-based financial systems, offering alternative models rooted in Shariah principles—chief among them the profit-and-loss sharing (PLS) mechanism. This study re-examines the implementation of PLS in Islamic banks, identifying key challenges and outlining directions for future research within the framework of Shariah-compliant financial practices. Employing a systematic literature review of Scopus-indexed journal articles, the study compares theoretical foundations and empirical evidence surrounding PLS applications in contemporary Islamic banking. Findings indicate that PLS practices remain only partially aligned with Shariah principles, constrained by insufficient regulatory oversight, heightened credit risk, and moral hazard concerns. The study also identifies critical gaps in community awareness and operational management, underscoring the need for product innovation, stronger governance structures, and targeted educational initiatives. These insights point to three strategic priorities for stakeholders: enhancing governance to mitigate moral hazards, integrating macroeconomic policy support to improve PLS scalability, and expanding public education to close knowledge gaps. Together, these measures can support a more sustainable, equitable, and competitive Islamic banking sector.

PENERAPAN PLATFORM MEDIA SOSIAL LINKEDIN SEBAGAI ALAT REKRUTMEN Putra, Hamzah Muhammad Mardi; Fahamsyah, Mohammad Hatta
Jurnal Investasi Vol. 7 No. 4 (2021): Jurnal Investasi Vol. 7 No. 4, September 2021
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/investasi.v7i4.165

Rekrutmen adalah kegiatan menarik, menyaring dan memilih kumpulan calon (karyawan yang paling cocok dalam keterampilan, pengalaman dan kompetensi). Proses rekrutmen konvensional menghabiskan lebih banyak waktu dan biaya serta organisasi terbaik dalam mempekerjakan karyawan terbaik dengan biaya terendah. Hal tersebut menjadi sebuah keharusan dalam bersaing demi meraih keunggulan kompetitif di dunia industri. Seiring berjalannya waktu, proses rekrutmen sudah berubah dari metode konvensional menjadi metode dengan penerapan teknologi seperti melalui rekrutmen berbasis website, job street, dan social media. Aplikasi Sosial Media Linkedin adalah platform Media Sosial professional dengan 443 juta pengguna di sekitar 200 negara. Dengan menggunakan media social professional Linkedin sebagai alat untuk rekrutmen, para pencari kerja dan para perusahaan yang membutuhkan tenaga kerja akan dipermudah. Metode yang digunakan pada penelitian ini adalah untuk mengetahui kesesuaian antara pencari kerja dengan kriteria yang dibutuhkan perusahaan dalam rangka proses rekrutmen tenaga kerja. Pengumpulan data akan digunakan pada para pencari kerja di area Industri Jababeka dan akan disesuaikan dengan perusahaan yang ada di area Industri Jababeka . Hasil penelitian juga menunjukkan hubungan signifikan bahwa variable Personal- organisasi, Personal-Kelompok, dan Variabel Personal-Pekerjaan dapat menghasilkan kinerja organisasi yang tinggi di area industry jababeka. Penerapan penelitian ini diharapkan menjadi solusi bagi para pencari kerja dan perusahaan di area industry dalam proses rekrutmen tenaga kerja, sehingga dapat terjadi efisiensi pada proses rekrutmen.

APA YANG MEMPENGARUHI MAHASISWA UNTUK BERINVESTASI DI PASAR MODAL? Sholihink, Nur; Fahamsyah, Mohammad Hatta
Jurnal Investasi Vol. 8 No. 1 (2022): Jurnal Investasi Januari 2022
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/investasi.v8i1.183

Penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh literasi keuangan, experienced regret, dan risk tolerance terhadap keputusan investasi mahasiswa Universitas Pelita Bangsa. Pengambilan sampel dalam penelitian ini dilakukan dengan menggunakan metode quota sampling, yaitu teknik untuk menentukan jumlah sampel dengan cara menentukan kriteria-kriteria tertentu sesuai dengan tema penelitian sehingga jumlah (kuota) sampel yang ingin digunakan untuk penelitian bisa tercapai. Untuk menguji hipotesis, penelitian ini menggunakan data primer yang diperoleh dengan cara menyebarkan kuesioner kepada 100 responden dan diolah dengan menggunakan smartPLS (Partial Least Square). Hasil penelitian ini menunjukkan bahwa literasi keuangan berpengaruh positif signifikan terhadap keputusan investasi. Experienced regret juga berpengaruh positif signifikan terhadap keputusan investasi. Risk tolerance juga berpengaruh positif signifikan terhadap keputuan investasi .

Implementasi Media Promosi dan Informasi Pada SMP Insan Kamil Cikarang Berbasis Website Zy, Ahmad Turmudi; Muhammad, Najamuddin Dwi Miharja; Edora, Edora; Rakhmat, Adrianna Syariefur; Fahamsyah, Mohammad Hatta
Lentera Pengabdian Vol. 1 No. 01 (2023): Januari 2023
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/lp.v1i01.14

ABSTRAK Di Indonesia, terdapat beberapa jenjang sekolah yang terdiri dari SD (Sekolah Dasar), SMP (Sekolah Menengah Pertama), SMA (Sekolah Menengah Atas), dan SMK (Sekolah Menengah Kejuruan). Salah satu sekolah SMP di Indonesia adalah SMP Insan Kamil Cikarang. Website merupakan salah satu media yang sangat efektif untuk digunakan sebagai media promosi dan penyebaran informasi bagi sekolah, Salah satu cara yang sering digunakan oleh sekolah dalam mempromosikan diri adalah dengan menyebarkan pamflet. Namun, pamflet sebenarnya merupakan salah satu media promosi yang sudah kuno dan kurang efektif. Pembuatan Website sebagai media Promosi dan Informasi di SMP IT Insan Kamil Cikarang Kabupaten Bekasi ternyata berdampak positif bagis sekolah dalam penyebaran Informasi dan promosi. Kata kunci: PKM, Website, Promosi

Profit Loss Sharing Problemsin the Banking Industry in Indonesia Fahamsyah, Mohammad Hatta; Zaki, Irham; Laila, Nisful; Shahzad Shabbir, Malik
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6247

Introduction: This systematic literature review provides an overview of profit and loss sharing (PLS) in the Indonesian Islamic banking industry. The study aims to identify the development of Islamic banking, as well as the challenge and opportunities of PLS products and services in Islamic banking Methods: This research utilizes a systematic literature review methodology employing a qualitative approach, using databases, including SINTA and Google Scholar, to identify relevant articles and studies. A total of 609 journal articles were initially identified. Results: The findings of the study indicate that the Indonesian Islamic banking industry has experienced significant growth in recent years. However, the market share of Islamic banks in Indonesia is still relatively small compared to conventional banks. The development of PLS products and services has been a key factor in this growth Conclusion and suggestion: The study concludes that PLS is an important feature of Islamic banking and has numerous opportunities to be targeted. Meanwhile, PLS Scheme has challenges and negative potential for Indonesian Islamic banking. Hence, because of this negative potential, high risk, and competitiveness issue. However, Further investigation is warranted to delve into empirical research studies that examine the potential of profit and loss sharing as well as revenue sharing mechanisms within Islamic banking, along with their implications for the Indonesian economy.

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