Norvadewi
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The Role Of Financial Management and Digital Marketing In Efforts To Increase Sales Turnover For MSMEs In Traditional Markets Arif Budiarto; Norvadewi; Sunyoto; Ratih Pratiwi; Retno Kusumaningrum
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 12 No. 2 (2023): October
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v12i2.2299

Abstract

Changes in the shopping behavior of the Indonesian population from 2011 to the present have resulted in the market in Indonesia proliferating. Consumers like online shopping because it tends to be more practical and modern and can be done anytime without leaving the house when they need the items they want. This research is qualitative research with a descriptive analysis model with library study where this research attempts to provide an overview of phenomena or events that are currently occurring, which are now taking place. Financial Management influences Micro, Small and Medium Enterprises. Micro, Small, and Medium Enterprises (MSMEs) financial management has a significant influence. The use of digital marketing creates opportunities for Traditional Market MSMEs to develop their businesses and be able to become an economic force in the current era of digitalization. Policies that support transparency and Sharia business ethics can increase consumer trust and facilitate digital interactions between Sharia MSMEs and their consumers. Further analysis shows that government policies supporting the development of Sharia economics can help Sharia MSMEs in traditional markets adopt better financial management and digital marketing practices.
Financial Performance of Islamic Banks: A Comparative Analysis Before and During The COVID-19 Pandemic Pahlifi, Resa; Yanti, Dharma; Norvadewi
Jurnal Ilmu Ekonomi Terapan Vol. 8 No. 1 (2023)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jiet.v8i1.42762

Abstract

The protracted pandemic has an impact on the Islamic banking industry. Comparing the financial performance of Islamic financing before and during the COVID-19 outbreak helped to evaluate the impact of this factor. This type of quantitative research utilizes secondary data in the form of monthly financial reports from the Financial Services Authority's website for 2018–2021. The variables used are ROA, FDR, BOPO, NPF, and CAR. Before and throughout the COVID-19 epidemic, Islamic banks demonstrated varied financial performance levels as measured by the ratios of ROA, FDR, BOPO, and CAR. ROA and CAR ratios have risen throughout the COVID-19 epidemic. During the COVID-19 pandemic, the FDR, BOPO, and NPF ratios declined. The ratio of BOPO to CAR is the finest and most consistent of these five ratios, ranking first (very healthy) before and during the pandemic. The ROA ratio for FDR and NPF remains standard, with an average ranking of second (healthy). The bank's condition stayed normal and healthy over the 2018–2021 period, both before and after the COVID–19 epidemic, despite variations in the financial performance of Islamic banks as indicated by the ROA, FDR, BOPO, NPF, and CAR ratios.