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Pengaruh Faktor Risiko Operasional, Risiko Teknologi Peralatan, dan Risiko Kepuasan Pelanggan terhadap Implementasi Manajemen Risiko pada Usaha Laundry Elnan Maheasa Arya Sahdewa; Amirah
Indonesia Economic Journal Vol. 1 No. 2 (2025): DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/wgeyqm08

Abstract

Dengan usaha laundry menjadi bagian dari industri jasa, pengelolaan risiko yang baik diperlukan untuk menjaga operasi yang lancar dan keberlanjutan bisnis. Ini terutama berlaku untuk usaha mikro, kecil, dan menengah (UMKM). Penelitian ini menyelidiki bagaimana penerapan manajemen risiko pada bisnis laundry dipengaruhi oleh risiko operasional, risiko teknologi peralatan, dan risiko kepuasan pelanggan. Metode kuantitatif yang digunakan dalam penelitian ini adalah wawancara dan penyebaran kuesioner berskala Likert kepada pemilik atau pengelola usaha laundry di wilayah Kabupaten Tegal. Data dianalisis dengan uji validitas, reliabilitas, dan analisis regresi menggunakan program SPSS. Penelitian menunjukkan bahwa risiko operasional berpengaruh besar terhadap penerapan manajemen risiko; ini menunjukkan bahwa gangguan proses layanan, kesalahan operasional, dan keterbatasan sumber daya mendorong penerapan manajemen risiko yang lebih baik. Sebaliknya, risiko teknologi peralatan dan ketidakpuasan pelanggan tidak berdampak signifikan terhadap penerapan manajemen risiko. Hasilnya menunjukkan bahwa bisnis laundry lebih memperhatikan pengelolaan risiko operasional daripada kepuasan pelanggan dan teknologi. Diharapkan penelitian ini akan memberikan dasar empiris bagi pelaku UMKM laundry untuk menentukan mana pengelolaan risiko yang paling penting untuk meningkatkan efisiensi operasional dan daya saing bisnis.
Non-Performing Financing sebagai Mediasi dalam Hubungan Pembiayaan Syariah dan Profitabilitas Bank Umum Syariah di Indonesia Dewi, Risma Arlia Sinta; Utami, Yuni; Amirah
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 11 No. 2 (2025): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v11i2.4165

Abstract

This study aims to examine the extent to which Sharia-based financing—comprising murabahah, musyarakah, mudharabah, qard, istishna, and ijarah contracts—affects the profitability of Islamic Commercial Banks in Indonesia, with non-performing financing (NPF) serving as a mediating variable.Data were collected from annual reports, the official websites of the OJK, IDX, and sample companies during the period 2020–2024, then analyzed using multiple linear regression and path analysis. The regression results indicate that all types of financing significantly influence profitability, with the largest contribution coming from istishna (β = 96.277; p < 0.001), followed by musyarakah (β = 71.895; p < 0.001), and mudharabah (β = 39.244; p < 0.001). Conversely, ijarah shows a negative effect on profitability (β = –2.598; p = 0.034). Regression analysis of NPF indicates that mudharabah, istishna, and ijarah have a significant positive effect on NPF, while murabahah, musyarakah, and qard have no significant effect. Path testing reveals that there is no mediation of NPF in the relationship between murabahah and profitability. However, significant mediation by NPF was found in the relationship between musyarakah, mudharabah, qard, istishna, and ijarah on profitability. These findings confirm that the effectiveness of Islamic financing in improving profitability is not only determined by the type of contract used but also highly dependent on the quality of financing risk management reflected in the NPF level.
d Determinan Pertumbuhan Pembiayaan UMKM pada Bank Umum Syariah dengan Moderasi Non Performing Financing : Bank Umum Syariah Feni Marlia; Jaka Waskito; Amirah
JURNAL MANAJEMEN MOTIVASI Vol 22 No 2 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i2.9180

Abstract

This study examines the effects of BI Rate, Third-Party Funds (DPK), Inflation, and Financing to Deposit Ratio (FDR) on MSME financing growth, with Non-Performing Financing (NPF) as a moderating variable in Islamic Commercial Banks in Indonesia during 2021–2025. Using secondary data from the Financial Services Authority (OJK), 54 observations were analyzed through Multiple Linear Regression and Moderated Regression Analysis (MRA). The results show that BI Rate negatively affects MSME financing growth, while DPK and FDR have positive effects. Inflation has no significant effect. NPF moderates only the relationship between FDR and MSME financing growth, providing insights for improving Islamic banking financing strategies. Keywords: BI Rate; Third Party Funds; Inflation; Financing to Deposit Ratio; Non-Performing Financing
Co-Authors Ahmad Sanmorino Akbar Salafudin Andi Maya Kesrianti Anson, Adriel Moses Arlitha Deka Yana Catur Wahyudi, Catur Desyani Ariza Dewi, Risma Arlia Sinta Dila Lailatul Munawaroh Efrianto Elnan Maheasa Arya Sahdewa Fadilah, Dina Jihan Faizal, Achmad Fajar Feni Marlia Fitriyani, Anisa Gilbreth Pamean Jaka Waskito Janah, Nur Lutfiatul Juli Riyanto Tri Wijaya Karimah, Fitrah Kasmuddin Darmo Ka’ba Paharu Mei Rani Amalia Mohammad Arridho Nur Amin Muh Sainal Abidin Najmalia, Risa Nurun Putri Salsabila, Nabila Retno Wulandari Romadhon, Istiqomah Salsabila, Amelia Azhar Santi Santi Sarinah Basri K Sri Murdiati Sri Murdiati Sri, Diyana Sukamto, Ika Sumiyarsi Susilawati, Agnes Dwita Syaputra, Eko Maulana Tabrani Titi Purnama Tri Sulistyani Tubety, Ari Yanasari, Dita Yudistira Yuni Utami Yuniarti Herwinarni Zahra, Y