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Analisa Tingkat Kesehatan Bank Mega Syariah dengan Metode CAMEL dan Altman Z-Score Rijadi, Puti Khairani; Munandar, Asep Nur Imam; Fitriyani, Ani
Ilmu Ekonomi Manajemen dan Akuntansi Vol. 4 No. 2 (2023): Jurnal Ilmu Ekonomi Manajemen dan Akuntansi
Publisher : Universitas Mohammad Husni Thamrin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37012/ileka.v4i2.1921

Bank memiliki peran penting dalam perekonomian negara. Oleh karena itu, keberlangsungan dan kesehatan keuangan bank menjadi hal yang krusial untuk dijaga. Kondisi kesehatan bank dapat diukur dengan menggunakan metode analisis kesehatan keuangan bank. Kesehatan keuangan bank merupakan kemampuan bank dalam memenuhi seluruh kewajibannya terutama dalam kegiatan operasional sesuai dengan peraturan-peraturan yang berlaku dalam dunia perbankan. Penelitian ini bertujuan untuk menganalisis tingkat kesehatan Bank Mega Syariah Periode 2018-2021. Penelitian ini merupakan jenis penelitian kuantitatif dengan pendekatan deskriptif yang menggunakan analisis metode CAMEL (Capital Assets Management Earnings Liquidity) dan Altman Z Score. Hasil penelitian ini didapatkan bahwa jika dilihat dari metode CAMEL, rasio CAR terendah tahun 2019 sebesar 19,96%. Rasio KAP terendah tahun 2021 sebesar 0,27%. Rasio NPM terendah pada tahun 2021 sebesar 76%. Rasio ROA terendah tahun 2019 sebesar 0,81%. Rasio BOPO terendah tahun 2021 sebesar 58%, dan rasio FDR terendah tahun 2021 sebesar 62%. Tetapi, jika dilihat dari metode Altman Z Score, Bank Mega Syariah tahun 2020 diprediksi mengalami potensi bangkrut. Di Tahun 2021, berdasarkan perhitungan dengan Metode Altman Z Score, Bank Mega Syariah tumbuh 1,81, sehingga memperoleh nilai 3,45, artinya Bank Mega Syariah berada pada kondisi aman setelah di Tahun 2020 berada pada potensi bangkrut. Kondisi kebangkrutan tersebut karena wabah penyakit Covid-19 yang semakin melonjak, sehingga mempengaruhi industri-industri yang ada di Indonesia khusunya di dunia perbankan.

The Influence of Education, Returns, and Motivation On Students' Interest In Investing in The Islamic Capital Market Indonesia Rijadi, Puti Khairani; Budi, Yeniasari Rizkia
Adpebi International Journal of Multidisciplinary Sciences Vol. 1 No. 1 (2022)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijms.v1i1.247

Purpose – This study is to determine the influence of education, returns, and motivation on student interest in investing in the Islamic capital market. Methodology/approach – This study used purposive sampling with several predetermined criteria, the results obtained 63 students who were used as samples. Data analysis was tested by multiple linear regression using SPSS 25. Findings – It was found that the investment motivation variable (X3) affects investment interest, while the education and return variables have no effect. However, from the results of simultaneous tests, all independent variables used affect the dependent variables. Novelty/value – The values from this study is that the growth of the Islamic capital market, which has increased every year, can arouse investors' interest in setting aside some of the assets owned in the Islamic capital market. The attractiveness of the Islamic capital market is not only among business people but has begun to be seen by the millennial generation. Keywords: Education, Return, and Motivation

Pembentukan Taman Baca Untuk Meningkatkan Kreativitas Anak, Pendidikan dan Nilai Agama Rijadi, Puti Khairani; Budi, Yeniasari Rizkia; Kusumawardhani, Trisnawati
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 1 (2025): Jurnal Pengabdian kepada Masyarakat Nusantara Edisi Januari - Maret
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v6i1.4752

Reading parks are a vital means of supporting the development of children's creativity, education, and the strengthening of religious values. This community service aims to enhance the reading culture among children by providing an interactive space that facilitates access to a variety of reading materials. By creating a supportive environment, children can develop their imagination and creativity through reading activities and interactions with books. Additionally, reading parks serve as educational media that integrate religious values, ensuring that children gain not only general knowledge but also a strong moral understanding. The methods used include observation, interviews, and data analysis to evaluate the impact of reading parks on improving children's creativity and educational values. The results of the community service demonstrate an increase in children's enthusiasm for engaging with the books provided, along with various facilities such as study tables and play areas. Moreover, the creation of an educational website accompanied by interactive quizzes further enhances curiosity and critical thinking.

Islam and the Green Economy in Review of Sharia Principles for Sustainable Business Practices Kaswoto, Junet; Simamora, Mukti; Rijadi, Puti Khairani; Ramdani, Safier; Sudarmanto, Eko
West Science Islamic Studies Vol. 3 No. 04 (2025): West Science Islamic Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsiss.v3i04.2325

This study reviews the intersection of Islamic principles and green economy practices, emphasizing how Sharia law can guide sustainable business operations. Using a literature review approach, 15 scholarly articles from Google Scholar were analyzed to identify key Sharia-based concepts—such as stewardship (khalifah), avoidance of waste (israf), ethical investment, and social responsibility—that support environmentally sustainable and socially responsible business practices. The findings reveal that integrating Sharia principles into corporate strategies promotes ecological preservation, ethical governance, and long-term economic resilience. Practical approaches highlighted include Sharia-compliant financing, green supply chain management, and eco-friendly corporate governance. This study underscores the potential of Islamic jurisprudence as a framework for advancing the green economy, offering insights for scholars, policymakers, and business practitioners seeking to harmonize religious ethics with sustainable development.

Analisa Tingkat Kesehatan Bank Mega Syariah dengan Metode CAMEL dan Altman Z-Score Rijadi, Puti Khairani; Munandar, Asep Nur Imam; Fitriyani, Ani
Ilmu Ekonomi Manajemen dan Akuntansi Vol. 4 No. 2 (2023): Jurnal Ilmu Ekonomi Manajemen dan Akuntansi
Publisher : Universitas Mohammad Husni Thamrin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37012/ileka.v4i2.1921

Bank memiliki peran penting dalam perekonomian negara. Oleh karena itu, keberlangsungan dan kesehatan keuangan bank menjadi hal yang krusial untuk dijaga. Kondisi kesehatan bank dapat diukur dengan menggunakan metode analisis kesehatan keuangan bank. Kesehatan keuangan bank merupakan kemampuan bank dalam memenuhi seluruh kewajibannya terutama dalam kegiatan operasional sesuai dengan peraturan-peraturan yang berlaku dalam dunia perbankan. Penelitian ini bertujuan untuk menganalisis tingkat kesehatan Bank Mega Syariah Periode 2018-2021. Penelitian ini merupakan jenis penelitian kuantitatif dengan pendekatan deskriptif yang menggunakan analisis metode CAMEL (Capital Assets Management Earnings Liquidity) dan Altman Z Score. Hasil penelitian ini didapatkan bahwa jika dilihat dari metode CAMEL, rasio CAR terendah tahun 2019 sebesar 19,96%. Rasio KAP terendah tahun 2021 sebesar 0,27%. Rasio NPM terendah pada tahun 2021 sebesar 76%. Rasio ROA terendah tahun 2019 sebesar 0,81%. Rasio BOPO terendah tahun 2021 sebesar 58%, dan rasio FDR terendah tahun 2021 sebesar 62%. Tetapi, jika dilihat dari metode Altman Z Score, Bank Mega Syariah tahun 2020 diprediksi mengalami potensi bangkrut. Di Tahun 2021, berdasarkan perhitungan dengan Metode Altman Z Score, Bank Mega Syariah tumbuh 1,81, sehingga memperoleh nilai 3,45, artinya Bank Mega Syariah berada pada kondisi aman setelah di Tahun 2020 berada pada potensi bangkrut. Kondisi kebangkrutan tersebut karena wabah penyakit Covid-19 yang semakin melonjak, sehingga mempengaruhi industri-industri yang ada di Indonesia khusunya di dunia perbankan.

GREEN ECONOMY AND ISLAMIC FINANCE: CROSSING A SUSTAINABLE PATH IN ECONOMIC DEVELOPMENT Siregar, Muhammad Rafi; Martian, Indra; Rijadi, Puti Khairani
Al-Infaq: Jurnal Ekonomi Islam Vol. 14 No. 2 (2023)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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

This article presents a holistic view of the concept and integration between Green Economy and Islamic Finance in an effort to cross sustainable paths in economic development. The Green Economy, which focuses on sustainable and environmentally sound growth, meets with Islamic Finance principles that prohibit usury and promote social justice. The article also discusses how this integration can support the financing of sustainable projects, especially in the development of green infrastructure and the empowerment of local communities. The method used in this study is qualitative research. The descriptive qualitative research in this study has clarity in its specific purpose, which is to investigate and describe how the integration of Green Economy and Islamic Finance can contribute to sustainable economic development. By discussing the alignment of green economy principles and Islamic finance, this article provides a deep understanding of how this integration can form a sustainable path that not only benefits the economy, but also respects Islamic moral and ethical values.Findings reveal a significant positive impact on economic development, emphasizing environmental stewardship, long-term sustainability, community empowerment, and economic justice, all while respecting Islamic moral and ethical values. This integration not only benefits the economy but also enhances the overall stability and resilience of the financial system.

Pengaruh Literasi Keuangan Syariah Dan Motivasi Terhadap Tingkat Frugal Living Pada Konsumen Gen Z Di Era Non Tunai Munandar, Asep Nur Imam; Nuryaningsih, Deti; Rijadi, Puti Khairani
Jurnal Ekonomi Manajemen dan Bisnis (JEMB) Vol. 4 No. 2 (2025): Juli-Desember
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jemb.v4i2.3644

The increasing shift toward non-cash transactions among Generation Z has raised new challenges in maintaining frugal financial behavior aligned with Islamic values. This study aims to analyze the influence of Sharia financial literacy and motivation on the level of frugal living among Muslim Generation Z consumers in Bekasi. Using a quantitative approach with an explanatory research design, data were collected through questionnaires distributed to 96 respondents selected via simple random sampling. The analysis was conducted using SmartPLS with hypothesis testing through the bootstrap resampling method and t-statistics. The findings reveal that the R-square value for frugal living is 0.507, indicating that 50.7% of its variation is explained by Sharia financial literacy and motivation. Sharia financial literacy shows no significant effect on frugal living (p = 0.325; t = 0.984), while motivation demonstrates a highly significant positive effect (p = 0.000; t = 3.970). These results suggest that internal motivation plays a more dominant role than financial literacy in shaping frugal behavior among Generation Z in the non-cash transaction era.

The Contribution of Sharia Fintech and Digital Literacy in Increasing Generation Z Interest in Accessing Sharia Financial Services in Central Java Rijadi, Puti Khairani; Siregar, Yani Sukriah; Arumingtyas, Fida; Ridwan, Mohammad; Sudarmanto, Eko
West Science Social and Humanities Studies Vol. 3 No. 12 (2025): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v3i12.2501

The rapid development of financial technology has reshaped the delivery of financial services, including those based on Islamic principles. Generation Z, as a digitally native generation, represents a strategic segment for expanding sharia financial inclusion. This study aims to analyze the contribution of sharia fintech and digital literacy in increasing Generation Z’s interest in accessing sharia financial services in Central Java. A quantitative research approach was employed, using primary data collected through a structured questionnaire distributed to 85 respondents. The measurement instrument applied a Likert scale, and the data were analyzed using Statistical Package for the Social Sciences (SPSS) version 25. The results of multiple linear regression analysis indicate that sharia fintech has a positive and significant effect on Generation Z’s interest in accessing sharia financial services. Digital literacy also shows a positive and significant influence on interest. Simultaneously, sharia fintech and digital literacy significantly contribute to increasing Generation Z’s interest in accessing sharia financial services. These findings highlight the importance of integrating sharia-compliant digital financial innovation with efforts to improve digital literacy in order to strengthen Islamic financial inclusion among young consumers. The study provides practical implications for sharia financial institutions, fintech providers, educators, and policymakers in developing strategies that align with the characteristics and needs of Generation Z.

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