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Analisis Perbandingan Rasio Profitabilitas dan Non Performing Loan (NPL) pada Kinerja Keuangan Bank Umum Konvensional dan Bank Umum Syariah Ahsanul Hilal; Abadi Sanosra; Ira Puspitadewi S
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 2 No. 3 (2022): September : Jurnal Ekonomi dan Manajemen
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (805.063 KB) | DOI: 10.55606/optimal.v2i3.428

Abstract

This study aims to analyze the comparison of financial performance between conventional commercial banks and sharia commercial banks in Indonesia. This research is a type of descriptive research with a quantitative approach. The population taken in this study are commercial banks registered with the Otoritas Jasa Keuangan (OJK). Sampling in this study was conducted using purposive sampling technique so that a sample of 11 conventional commercial banks and 9 sharia commercial banks was obtained. The data used is secondary data obtained from the published annual reports of each commercial bank registered with the Otoritas Jasa Keuangan (OJK) during the 2016-2020 period. The data in this study consists of financial ratios Return On Assets (ROA), Return On Equity (ROE), Net Interest Margin/Net Operating Margin (NIM/NOM), Operating Costs to Operating Income (BOPO), and Non-Performing Loans/Non-Performing Financing (NPL/NPF). In this study, data analysis was carried out using descriptive statistical analysis and the two-sample independent test of non-parametric statistics, namely the Mann Whitney test. After analyzing the data, the results show that there are differences in the financial performance of conventional commercial banks and sharia commercial banks as measured by the ratio of ROA, ROE, NIM/NOM, BOPO and NPL/NPF. In general, the financial performance of conventional commercial banks is better than that of Islamic commercial banks.
Pengaruh Pengetahuan Kewirausahaan, Kemampuan Manajemen, Digital Marketing, dan Motivasi Kewirausahaan terhadap Keberhasilan Usaha pada Coffee Shop di Kecamatan Gambiran dan Genteng Banyuwangi Maeyana Kurnia Anggraini; Wahyu Eko Setianingsih; Ira Puspitadewi S
Jurnal Ilmiah Manajemen dan Kewirausahaan Vol. 4 No. 3 (2025): September: Jurnal Ilmiah Manajemen dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimak.v4i3.4771

Abstract

The growth of the micro, small, and medium enterprises (MSMEs) sector, particularly in the coffee-based culinary field, has shown significant dynamics in various regions, including Gambiran and Genteng Districts of Banyuwangi. Coffee shops have evolved not only as venues for beverage consumption but also as social spaces and integral parts of modern lifestyles. However, the success of coffee shop businesses is influenced by various complex internal factors, including entrepreneurial knowledge, managerial capability, digital marketing, and entrepreneurial motivation. This study aims to examine the influence of these four variables on the success of coffee shop businesses. The research employed a quantitative associative method with data collected through questionnaires distributed to 70 coffee shop entrepreneurs and analyzed using multiple linear regression via SPSS software. The results indicate that all independent variables significantly influence business success, with digital marketing being the most dominant factor, followed by entrepreneurial motivation and management capability. Meanwhile, entrepreneurial knowledge shows a negative influence, suggesting that the accumulation of knowledge without practical implementation may hinder business success. These findings underscore the importance of integrating knowledge capacity with adaptive business practices to achieve sustainable MSME success.
Mengaplikasikan Metode Integrated Farming System (IFS) Dan Digital Marketing Guna Meningkatkan Profit Adiba Farm Ira Puspitadewi S; Nursaidah; Tatit Diansari Reskiputri
Jurnal Pengabdian Masyarakat Manage Vol. 5 No. 2 (2024): Agustus
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/manage.v5i2.1723

Abstract

Banyak pembudidaya lele yang mengalami kesulitan untuk meningkatkan laba, karena permasalahan kenaikan harga pakan dan menurunnya daya beli konsumen, sama seperti yang dihadapi oleh UMKM Adiba farm. Adiba Farm merupakan usaha budidaya lele dengan system bioflok yang berdiri sejak tahun 2019, dan berjalan sampai sekarang. Sementara ini, adiba farm sangat menggantungkan laba dari hasil panen lele, yang fluktuatif. Berdasarkan hasil wawancara, pendapatan adiba farm, menurun dan krang optimal, sehingga perlu ada ide baru untuk meningkatkan pendapatan. Mengingat limbah lele yang bisa dimanfaatkan untuk pupuk tumbuhan, maka adiba farm bisa mencoba menggunakan metode integrated farming system (IFS) untuk menambah profit usaha, selain itu, perlu mencoba mandiri dalam memasarkan hasil panen dengan memanfaatkan digital marketing sederhana, sehingga tidak tergantung pada harga tengkulak. Pengabdian masyarakat berjalan lancar dan hasil kegiatan pengabdian yang bisa dirasakan langsung adalah sosialisasi tentang digital marketing, karena pemilik dapat mempraktekkan dan dengan cepat mendapatkan pemesanan produknya, sedangkan untuk kegiatan lainya, manfaatnya bisa dirasakan dalam waktu krang lebih satu sampai dua bulan yang akan datang. Kegiatan ini bisa dilakukan dengan kegiatan pengabdian masyarakat stimulus yang diselenggarakan oleh LPPM universitas Muhammadiyah Jember.