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PERAN LEMBAGA KEUANGAN SYARIAH DAN DAYA TARIK MASYARAKAT TERKHUSUS PADA SEKTOR UMKM Aulia Daisy Arsy Syafitri; Devina Lutfa Dianti; Nadila Salsavira; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.686

Abstract

The Islamic Financial Sector (IFS) is a rapidly growing sector in the Islamic economy. IFS operates on Islamic law, so it must always adhere to Islam. IFS plays a crucial role in implementing Islamic principles aimed at helping society achieve prosperity, honesty, and fairness through a profit-sharing system. One of the key players in the Islamic financial sector is Islamic banking, which has a low credit risk, resulting in a sufficient margin for MSMEs. MSMEs, also known as Usaha Mikro Kecil dan Menengah (UMKM), are a type of productive business owned by individuals or corporations and regulated by Law No. 28 of 2008. UMKM has a significant role in Indonesia's economy. This potential is what motivates Islamic banks to facilitate the provision of loans to MSMEs. As time passes, Islamic banks have become capable of supporting MSMEs, which in turn attract MSMEs to conduct transactions at Islamic banks.
PERAN LEMBAGA KEUANGAN SYARIAH DAN DAYA TARIK MASYARAKAT TERKHUSUS PADA SEKTOR UMKM Aulia Daisy Arsy Syafitri; Devina Lutfa Dianti; Nadila Salsavira; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.686

Abstract

The Islamic Financial Sector (IFS) is a rapidly growing sector in the Islamic economy. IFS operates on Islamic law, so it must always adhere to Islam. IFS plays a crucial role in implementing Islamic principles aimed at helping society achieve prosperity, honesty, and fairness through a profit-sharing system. One of the key players in the Islamic financial sector is Islamic banking, which has a low credit risk, resulting in a sufficient margin for MSMEs. MSMEs, also known as Usaha Mikro Kecil dan Menengah (UMKM), are a type of productive business owned by individuals or corporations and regulated by Law No. 28 of 2008. UMKM has a significant role in Indonesia's economy. This potential is what motivates Islamic banks to facilitate the provision of loans to MSMEs. As time passes, Islamic banks have become capable of supporting MSMEs, which in turn attract MSMEs to conduct transactions at Islamic banks.
ANALISIS LABA KOTOR: KINERJA LABA KOTOR BANK BCA DALAM KONTEKS PERBANKAN DI INDONESIA Nadila Salsavira; Aulia Daisy Arsy Syafitri; Sonia Br Ginting; Renny Oktafia
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 1 (2024): Maret
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i1.1128

Abstract

Gross profit analysis is an important method in evaluating the financial performance of a financial institution, including banks. In the context of Indonesian banking, Bank BCA (Bank Central Asia) is one of the leading banks that plays a significant role in the economy. This research aims to analyze the gross profit performance of Bank BCA and evaluate its relative position in the Indonesian banking industry. The method of gross profit analysis involves calculating gross income and operational costs to measure the efficiency and profitability of the bank. The research results indicate that Bank BCA's gross profit has experienced stable growth over the past few years, reflecting strong performance in generating income and managing operational costs. Factors such as product innovation, network expansion, and effective risk management strategies have contributed to this achievement. Additionally, Bank BCA has maintained a competitive position in the Indonesian banking industry, with relatively high gross profits compared to its competitors. However, challenges remain in facing market dynamics and evolving regulations. Therefore, Bank BCA needs to continue evaluating and making strategic adjustments to ensure operational sustainability and sustainable growth in the future. This research provides valuable insights for stakeholders in the banking industry, regulators, and investors in understanding the performance and position of Bank BCA in the Indonesian banking ecosystem.
Digitalisasi Marketing UMKM (Usaha Mikro, Kecil, dan Menengah) Pangan Lokal Desa Mendukung Ketahanan Pangan Dayar, Mohammad Baladdudin; Aulia Daisy Arsy Syafitri; Thalia Damayanti; Ivan Mahendra Wirapradipta; Hafifah Isma Ningrum B.; Jerin Amelia Margaretha
International Journal of Community Service Learning Vol. 8 No. 4 (2024): November
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijcsl.v8i4.84705

Abstract

Aktifitas usaha UMKM masih dijalankan secara konvensional, tidak ada inovasi dalam usaha. Dengan mengenalkan Digitalisasi marketing kepada Pelaku UMKM diharapkan akan meningkatkan jaringan ekspansi pasar dan memudahkan pelaku usaha dan juga konsumen yang secara tidak langsung membangun sistem yang baik dalam mendukung ketahanan pangan. Penelitian ini bertujuan menganalisis peran digitalisasi marketing melalui platform Google Maps yang akan diterapkan oleh UMKM pangan lokal terhadap keberlanjutan ketahanan pangan di desa. Jenis penelitian ini kualitatif penelitian ini tidak mengukur apapaun melainkan lebih mengedepankan pemberdayaan masyarakat dengan keterlibatan secara aktif setelah melalui analisis potensi desa menggunakan metode ABCD. Pelaku usaha UMKM Pangan lokal menjadi subjek penelitian ini. Metode pengumpulan data yang digunakan observasi partisipatif, wawancara mendalam, dan dokumentasi dan dianalisis menggunakan analisis interaktif dengan pengumpulan data, kondensasi data dan penyajian data. Hasil penelitianprogram digitalisasi marketing yang dilaksanakan oleh Mahasiswa KKN Kolaborasi #3 Posko 187 menunjukkan dampak positif dalam meningkatkan ketahanan pangan. Simpulan penelitian menunjukkan dengan mendaftarkan lokasi UMKM pangan lokal di Google Maps, UMKM dapat meningkatkan visibilitas dan aksesibilitas produk mereka, memperluas jangkauan pasar, serta mempermudah konsumen dalam menemukan produk pangan lokal. Implikasi program ini mampu berkontribusi pada ketahanan pangan desa dengan meningkatkan aksesibilitas produk pangan lokal serta pemberdayaan ekonomi masyarakat.