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All Journal Jurnal Pengabdian UNDIKMA El-Qish: Journal of Islamic Economics TAMWIL: Jurnal Ekonomi Islam
Yoshanti, Ghita
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Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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Profitability of Islamic Commercial Banks in Indonesia: Third-Party Funds Analysis and Financing Rahmat, Rahmat Kurnia; Yoshanti, Ghita; Maminirina Fenitra, Rakotoarisoa
El-Qish: Journal of Islamic Economics Vol. 3 No. 2 (2023): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

  This research aims to examine the correlation of Third Party Funds and Financing on the Profitability of Islamic Commercial Banks in Indonesia. The gap of this research is the different findings of the financial reports of Islamic Commercial Banks in Indonesia data for the 2018-2022 period, where the growth of Return On Assets (ROA) in third-party funds and financing is not always ideally balanced. This research elaborates on the profitability of Islamic Commercial Banks through Return On Assets (ROA). The data collection for this research is utilizing Secondary Research from the Islamic Commercial Bank financial report 2018-2022 period combined with a descriptive quantitative method with the help of Eviews 12 software. The result shows that third-party funds and financing have no significant effect on the profitability of Islamic Commercial Banks per se. Meanwhile, surprisingly third-party funds and financing altogether, simultaneously have a significant effect on profitability in Islamic Commercial Banks.
The Study of Dupont Model and Financial Performance of Sharia Banks Yoshanti, Ghita; Kurnia, Rahmat
TAMWIL : Jurnal Ekonomi Islam Vol 10, No 2 (2024)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/jtm.v10i2.13817

Abstract

The financial performance of a bank can be evaluated through financial statement analysis using balance sheet, income statement, and ratio analysis. This research focuses on the financial performance of Islamic Commercial Banks in Indonesia for the period 2018-2022, using the DuPont System method. The interest in this study is the financial performance of Islamic banks in Indonesia as seen from the development of assets and net income as a whole experienced quite good growth from 2021 to 2022, although there are several Islamic banks that are still experiencing losses. The results of the analysis show that the best performance was achieved by Bank Aceh Syariah worth 158.26%, BPD West Nusa Tenggara Syariah worth 128.39%, Bank Mega Syariah worth 86.37%, Bank BCA Syariah worth 81.92%, BTPN Syariah worth 78.26%, Jabar Banten Syariah worth 30.31%, Bank Panin Dubai Syariah worth 12.36%, BMI worth 6.46%, Bank Aladin Syariah worth -0.002%, Bank Victoria Syariah worth -1.71% and Bank KB Bukopin Syariah worth 2.25%.  Of the eleven Islamic commercial banks, there are three banks whose average industry value is <0. This research provides a comprehensive overview of the performance ranking of Islamic Commercial Banks in Indonesia, as well as providing important insights for stakeholders to improve efficiency and competitiveness in the Islamic banking sector. This analysis is expected to be a reference in assessing the stability and financial growth potential of Islamic banks in the future.
Development of Culinary MSME Businesses Through the Implementation of E-Business and Halal Certification Assistance for MSME Products Adif, Riandy Mardhika; Yoshanti, Ghita; Kurnia, Rahmat; HSB, Reza Firmansyah; Fahmi, Khairul
Jurnal Pengabdian UNDIKMA Vol. 6 No. 2 (2025): May
Publisher : LPPM Universitas Pendidikan Mandalika (UNDIKMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jpu.v6i2.15120

Abstract

This community service aims to increase the skills and knowledge of culinary MSME players, develop an e-business system through online sales platforms, and have certified halal culinary MSME products. This service used the Participatory Action Research (PAR) method to enhance the operational skills of culinary MSMEs in Tabek Patah Village. Through training, MSME actors gained skills in halal certification, digital marketing, and online business tools such as Shopee, Tokopedia, Instagram, WhatsApp Business, and Google Maps. They learned to create digital catalogs, register their businesses on Google Maps, and obtain Business Identification Numbers (NIBs), while understanding the benefits of halal certification for market expansion. Despite challenges like limited internet infrastructure and initial skepticism, the program significantly improved MSMEs’ visibility, competitiveness, and confidence in using technology. However, continuous assistance remains crucial to sustain these advancements and address remaining barriers, ensuring long-term success in integrating technology and halal standards into their operations.
Co-Authors ADIF, RIANDY MARDHIKA HSB, Reza Firmansyah Khairul Fahmi Maminirina Fenitra, Rakotoarisoa Rahmat Kurnia Rahmat, Rahmat Kurnia