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All Journal Jupiter J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Ihtiyath : Jurnal Manajemen Keuangan Syariah Aptekmas : Jurnal Pengabdian Kepada Masyarakat
Marti Utari
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Layanan Webform Terhadap Kepuasan Nasabah Dimoderasi Pengetahuan (Studi Pada Nasabah BSI di Kota Palembang) Zulkarnain, Muhammad; Nurul Ilma Hasana Kunio; Marti Utari; Ahmad Ari Gunawan Sepriansyah; Ade Sukmawati
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 1 (2024): Vol. 8 No.1 Juni 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i1.8434

Abstract

This research aims to determine the effect of webform on customer satisfaction with knowledge as a moderating variable. The data analysis method uses quantitative with a questionnaire data source with a sample size of 100 samples. Data analysis uses Moderated Regression Analysis (MRA). The research results obtained a constant value of 2.078 indicating customer satisfaction before being influenced by the webform variable. Then the regression coefficient value of 0.532 The results of the t-test obtained a t-sig value < α5% (0.05), namely 0.000 < 0.05 and it can be stated that web form has a significant effect on customer satisfaction. The MRA test results show that knowledge is a quasi-moderator or pseudo-moderator variable between the dependent variable customer satisfaction and the independent variable webform.
Determinants Of ROA In Sharia Banks: The Role Of NPF, FDR, And Net Imbalance On Profitability Zulkarnain, Muhammad; Ridwan Effendi; Marti Utari
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol, 9 No 2 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i2.9505

Abstract

Islamic banks as a company still have a goal of profit, where profit is often used as a measure of the company's performance. One of the profit ratios is the return on assets (ROA) ratio. Then the ROA in the previous study was influenced by many factors, while in this study it was seen based on the net performance financing (NPF) ratio, financing to deposit ratio (FDR), and net return (NI). The purpose of the study was to determine the effect of the NPF ratio, FDR ratio, and NI ratio on the ROA ratio. The research population was Islamic banks listed on the Indonesia Stock Exchange (IDX), namely 4 companies with data from the first-fourth quarter of 2021 to the second quarter of 2024. Panel data regression data analysis techniques. The results of the study showed that simultaneously net performance financing (NPF), financing to deposit ratio (FDR), and net return (NI) were significant on the return on assets (ROA) ratio, but partially net performance financing (NPF) did not affect the return on assets (ROA) ratio while financing to deposit ratio (FDR) and net return (NI) were significant on the return on assets (ROA) ratio.
SOSIALISASI DAN PELATIHAN SISTEM KOPERASI MODERN BERBASIS WEB PADA DINAS KOPERASI DAN UMKM KOTA PALEMBANG Mardiana; Marti Utari; Diah Novita Sari; Haiban Tasaqif; Husnul Chotimah; Novendri
Aptekmas Jurnal Pengabdian pada Masyarakat Vol 7 No 4 (2024): Aptekmas Volume 7 Nomor 4 2024
Publisher : Politeknik Negeri Sriwijaya

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

Abstract

Transformasi digital sangat dipengaruhi oleh kemajuan teknologi, termasuk pengembangan komputer, media penyimpanan, jaringan komunikasi, dan perangkat lunak. Digitalisasi kini juga diterapkan pada koperasi untuk mempermudah proses transaksi serta membuat pengelolaan lebih efisien dan modern. Berdasarkan implementasi sistem koperasi berbasis web yang telah diterapkan di Palembang, muncul kebutuhan untuk memberikan sosialisasi dan pelatihan kepada Dinas Koperasi dan UMKM Kota Palembang agar mereka dapat mengelola sistem secara efektif. Kegiatan pengabdian ini dirancang untuk meningkatkan pemahaman dan keterampilan pihak dinas dalam memanfaatkan sistem koperasi modern berbasis web. Metode pelaksanaan mencakup penyampaian materi secara interaktif melalui ceramah, diskusi tanya jawab, serta praktik langsung penggunaan sistem guna memastikan penerapan yang optimal.
Determinants Of ROA In Sharia Banks: The Role Of NPF, FDR, And Net Imbalance On Profitability Zulkarnain, Muhammad; Ridwan Effendi; Marti Utari
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol, 9 No 2 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i2.9505

Abstract

Islamic banks as a company still have a goal of profit, where profit is often used as a measure of the company's performance. One of the profit ratios is the return on assets (ROA) ratio. Then the ROA in the previous study was influenced by many factors, while in this study it was seen based on the net performance financing (NPF) ratio, financing to deposit ratio (FDR), and net return (NI). The purpose of the study was to determine the effect of the NPF ratio, FDR ratio, and NI ratio on the ROA ratio. The research population was Islamic banks listed on the Indonesia Stock Exchange (IDX), namely 4 companies with data from the first-fourth quarter of 2021 to the second quarter of 2024. Panel data regression data analysis techniques. The results of the study showed that simultaneously net performance financing (NPF), financing to deposit ratio (FDR), and net return (NI) were significant on the return on assets (ROA) ratio, but partially net performance financing (NPF) did not affect the return on assets (ROA) ratio while financing to deposit ratio (FDR) and net return (NI) were significant on the return on assets (ROA) ratio.
Layanan Webform Terhadap Kepuasan Nasabah Dimoderasi Pengetahuan (Studi Pada Nasabah BSI di Kota Palembang) Zulkarnain, Muhammad; Nurul Ilma Hasana Kunio; Marti Utari; Ahmad Ari Gunawan Sepriansyah; Ade Sukmawati
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 1 (2024): Vol. 8 No.1 Juni 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i1.8434

Abstract

This research aims to determine the effect of webform on customer satisfaction with knowledge as a moderating variable. The data analysis method uses quantitative with a questionnaire data source with a sample size of 100 samples. Data analysis uses Moderated Regression Analysis (MRA). The research results obtained a constant value of 2.078 indicating customer satisfaction before being influenced by the webform variable. Then the regression coefficient value of 0.532 The results of the t-test obtained a t-sig value < α5% (0.05), namely 0.000 < 0.05 and it can be stated that web form has a significant effect on customer satisfaction. The MRA test results show that knowledge is a quasi-moderator or pseudo-moderator variable between the dependent variable customer satisfaction and the independent variable webform.
Sistem Informasi Pelayanan Administrasi Berbasis Android Mobile di Kelurahan Talang Keramat Novita Sari, Diah; Afiva Nurkamila; Sony Oktapriandy; Marti Utari
JUPITER (Jurnal Penelitian Ilmu dan Teknologi Komputer) Vol 17 No 3 (2025): Jurnal Penelitian Ilmu dan Teknologi Komputer (JUPITER)
Publisher : Teknik Komputer Politeknik Negeri Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17588716

Abstract

Penelitian ini bertujuan untuk mengembangkan Sistem Informasi Pelayanan Administrasi berbasis Android Mobile di Kelurahan Talang Keramat sebagai solusi terhadap keterbatasan layanan manual yang masih bergantung pada formulir fisik dan kurang terintegrasi. Metode yang digunakan adalah Rapid Application Development (RAD), yang menekankan pembuatan prototipe cepat dengan keterlibatan pengguna secara intensif. Aplikasi dirancang menggunakan Kotlin untuk pengembangan mobile modern serta Supabase sebagai basis data real-time. Hasil implementasi menunjukkan aplikasi mampu menyediakan fitur registrasi akun, pengisian formulir elektronik, verifikasi dokumen, pemantauan status layanan, serta pengelolaan data oleh aparatur kelurahan. Pengujian black-box yang melibatkan masyarakat, admin, dan lurah membuktikan bahwa sistem telah berfungsi sesuai kebutuhan fungsional, dengan tingkat keberhasilan tinggi pada proses login, registrasi, validasi, hingga unduh dokumen PDF. Dengan adanya sistem ini, pelayanan administrasi di Kelurahan Talang Keramat menjadi lebih cepat, aman, dan efisien, serta berpotensi menjadi model pengembangan bagi wilayah lain.
Co-Authors Ade Sukmawati Afiva Nurkamila Ahmad Ari Gunawan Sepriansyah Diah Novita Sari Haiban Tasaqif Husnul Chotimah MARDIANA Muhammad Zulkarnain Novendri Novita Sari, Diah Nurul Ilma Hasana Kunio Ridwan Effendi Sony Oktapriandy