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Analisis Efisiensi Teknis Bank Syariah Indonesia Hananto, Bernad; Ari Mulyono Hadi; Iin Masriah; Azmy Muhammad Habiby; Asih Sugiyanti
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 9 No. 01 (2024): JESPB Edisi April 2024
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v9i01.1288

Abstract

In early 2021 Bank Syariah Mandiri, BNI Syariah and BRI Syariah merged to become Bank Syariah Indonesia, this merger of Islamic banks is one of the government's efforts to respond to Islamic economic growth in Indonesia, this research was made to compare the technical efficiency of Indonesian Syariah Banks in the early period merger and the pre-merger period, using the non-parametric Data Envelopment Analysis method, the efficiency revealed includes the function of the bank as a mediator and the function of the bank as a producer that generates income for the sahibul maal both third parties and shareholders, this study reveals that the bank resulting from the merger in year 2 has a significant increase in Total Assets where this increase is in line with the increase in Temporary Sirkah Funds, Wadiah Fund Deposits, and Equity. Profit before Zakat and Tax in year 2 of the merger increased 111% compared to 2019. In 2021 when the bank not yet merged efficiency level of 97% related to its function as a revenue generator, banks in the first and second years after the merger the bank has an efficiency rate of 100%, both as an intermediary and also as a profit earner for third parties and shareholders.
Entrepreneurial Networks, Entrepreneurial Orientation, And SEM Performance: Supply Chain ​​Capabilities Azmy Muhammad Habiby; Iin Masriah; Bernard Hananto; Wiranta; Deni Santoso; Agung Yannesa
JPIES: Jurnal Pelita Ilmu Ekonomi Syariah Vol. 2 No. 02 (2025): JPIES Edisi Juli 2025
Publisher : LPPM STEBIS YPII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71195/ae0d3t53

Abstract

 
Analisis Kinerja Pembiayaan UMKM pada Bank Syariah di Indonesia Bernad Hananto; Andi Suhandi; Azmy Muhammad Habiby
JPIES: Jurnal Pelita Ilmu Ekonomi Syariah Vol. 2 No. 01 (2025): JPIES Edisi Januari 2025
Publisher : LPPM STEBIS YPII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71195/tvszam23

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in the Indonesian economy, contributing to increased income and well-being. This study aims to analyze the performance of MSME financing at Bank Syariah Indonesia over the past decade, as well as the economic and financial factors influencing non-performing financing. This study uses a trend analysis of NPF (Non-Performing Financing) through visual graphs, descriptive statistics, and breakpoint analysis. Furthermore, linear regression analysis is used to examine the effects of inflation, interest rates, GDP, and exchange rates on NPF. The results show that MSME NPF at Islamic banks has improved, and GDP significantly influences NPF, where a 1% increase in GDP is followed by a 0.89% decrease in NPF. Meanwhile, inflation and interest rates do not directly affect NPF, although interest rates can influence GDP and the ability of MSMEs to meet funding obligations.
Membangun Komunikasi Bisnis untuk Meningkatkan Perkembangan Usaha UMKM Telor Asin di Ds. Karang Harum Andi Suhandi; Azmy Muhammad Habiby; Dede Nur Iskandar
JPPI: Jurnal Pengabdian Pelita Insani Vol. 2 No. 01 (2025): JPPI Edisi Februari 2025
Publisher : LPPM STEBIS YPII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71195/wmw6ft92

Abstract

Abstract, There are so many obstacles faced by business actors, especially salted egg MSME businesses, where this type of food is mostly only produced by people who have already tried, so they have the obstacle of a lack of marketing communication skills. Even though in today's era, marketing communication skills are very much needed in order to reach a wider market area. The training provided by the academic team to salted egg MSME actors is very useful because communication skills in a business will be able to increase MSME income, increase MSME sales, and will function as an overall organizational marketing strategy.
Membangun Komunikasi Bisnis untuk Meningkatkan Perkembangan Usaha UMKM Telor Asin di Ds. Karang Harum Andi Suhandi; Azmy Muhammad Habiby; Dede Nur Iskandar
JPPI: Jurnal Pengabdian Pelita Insani Vol. 2 No. 01 (2025): JPPI Edisi Februari 2025
Publisher : LPPM STEBIS YPII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71195/wmw6ft92

Abstract

Abstract, There are so many obstacles faced by business actors, especially salted egg MSME businesses, where this type of food is mostly only produced by people who have already tried, so they have the obstacle of a lack of marketing communication skills. Even though in today's era, marketing communication skills are very much needed in order to reach a wider market area. The training provided by the academic team to salted egg MSME actors is very useful because communication skills in a business will be able to increase MSME income, increase MSME sales, and will function as an overall organizational marketing strategy.