Article Per Year (5 Year)
p-Index From 2021 - 2026
1.116
P-Index
This Author published in this journals
All Journal Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Difusi Journal of Applied Islamic Economics and Finance
Juniwati, Endang Hatma
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Public Health Social Sciences

Published : 6 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 6 Documents
Search

 1 
Analisis Komparatif Kinerja Keuangan Bank Umum Syariah di Indonesia Dan Bank Umum Syariah di Malaysia dengan Pendekatan Islamicity Performance Index Ayu, Dewi; Hermawan, Dadang; Nurdin, Ade Ali; Juniwati, Endang Hatma
Journal of Applied Islamic Economics and Finance Vol. 4 No. 1 (2023): Journal of Applied Islamic Economics and Finance (October 2023)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v4i1.5665

Abstract

This study aims to analyze the differences in the financial performance of Islamic banks in Indonesia and Malaysia with the Islamicity Performance Index (IPI). The data collection method used is the Annual Report published on the official website of each bank. The research sample used was 14 banks, consisting of 7 Islamic banks in Indonesia and 7 Islamic banks in Malaysia. The results of testing using the Mann-Whitney U Test stated that there was no significant difference between Islamic Banks in Indonesia and Malaysia for ZPR and IIR. Although the graph shows that the distribution of zakat in Malaysian Islamic banks is higher than in Indonesia. PSR stated that there are significant differences between Islamic banks in Indonesia and in Malaysia. For the graph, Indonesia is higher than Malaysia because the products of Islamic banks in Malaysia are more diverse and products based on profit-loss sharing are almost non-existent.
Pengaruh Produk Domestik Bruto, Inflasi, dan Tingkat Pengangguran terhadap Non-Performing Financing pada BUS di Indonesia dengan Metode ARDL Devi, Sita; Juniwati, Endang Hatma
Journal of Applied Islamic Economics and Finance Vol. 4 No. 3 (2024): Journal of Applied Islamic Economics and Finance (June 2024)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v4i3.6008

Abstract

This research explains the relationship between GDP, inflation, and unemployment rates to non-performing financing in Islamic commercial banks in Indonesia. This research uses secondary data in the form of quarterly time series from 2013 to 2022. The research data from OJK website and using a descriptive quantitative method. The data analysis method used autoregressive distributed lag (ARDL) to determine the relationship between independent to dependent variables, or the short and long term. The research results show that the long term all variables have no effect on non-performing financing partially, but in the short-term GDP and the unemployment rate has a positive effect on non-performing financing. Inflation has a negative effect on non-performing financing. However, simultaneously GDP, inflation, and the unemployment rate have a significant effect on non-performing financing.
PEMBERDAYAAN PENGURUS MASJID MELALUI PEMBUATAN APLIKASI SISTEM INFORMASI MANAJEMEN MASJID DI DESA RANCAMULYA Suhendar, Waway Qodratulloh; Hodijah, Ade; Junaedi, NS; Suhartini, Ida; Arsyad, Zulkifli; Juniwati, Endang Hatma; Habinuddin, Endang
Jurnal Difusi Vol. 6 No. 1 (2023): Jurnal Difusi
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M) Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/difusi.v6i1.2250

Abstract

Mitra yang terlibat dalam kegiatan Pengabdian pada Masyarakat ini adalah qoyyim (pengurus) masjid Riyyadhushsholihien yang berlokasi di Kampung Leuwidulang RT 03/01 Desa Rancamulya Kecamatan Pameungpeuk Kabupaten Bandung, dan berjarak sekitar 20 KM dari Polban. Permasalahan prioritas yang dihadapi Mitra meliputi: 1) Permasalahan Pengelolaan kegiatan masjid berbasis ICT, 2) Permasalahan terkait dengan pengelolaan informasi kegiatan masjid, dan 3) Tools yang digunakan untuk pembuatan Sistem Informasi harus berbayar. Metode yang dilaksanakan dalam PKM ini adalah: 1) Pembuatan Sistem Informasi Masjid yang mampu dikelola oleh mitra, 2) Pelatihan manajemen informasi kegiatan masjid, dan 3) Pelatihan mengoperasikan aplikasi SIM masjid yang dirancang oleh tim pelaksana PKM. Hasil dari PKM ini adalah pembuatan aplikasi android QayyimMasjid yang memunculkan fitur profil masjid, kegiatan masjid, laporan keuangan, dan waktu shalat. Selain aplikasi android, program PKM tahun 2020 ini menyusun pula versi website, sehingga kegiatan masjid di lokasi mitra dapat diakses melalui aplikasi android, ataupun melalui website. Aplikasi QayyimMasjid ini digunakan untuk membantu pengurus masjid dalam mengelola kegiatan masjid beserta pencatatan pengeluaran biaya kegiatan masjid dan memberikan kemudahan untuk membuat pengumuman baik terkait kegiatan masjid tersebut juga pengumuman lainnya, seperti penemuan barang, informasi mesjid terdekat beserta jadwal shalat 5 waktu.
The Impact of Profitability and Solvency on the Assets Growth of Sharia Commercial Banks in Indonesia for the 2010–2024 Period Muharam, Gema Takbir; Juniwati, Endang Hatma
Journal of Applied Islamic Economics and Finance Vol. 5 No. 3 (2025): Journal of Applied Islamic Economics and Finance (June 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v5i3.6759

Abstract

This study examines the phenomena of fluctuations in Return on Assets (ROA) which are not always in line with asset growth in Islamic Commercial Banks (BUS) in Indonesia, as well as the limitations of previous studies that have not analyzed the effect of Debt to Asset Ratio (DAR) on asset growth. The focus of the research is to analyze the effect of profitability and solvency on BUS asset growth for the period 2010-2024. The research objective is to determine the effect of ROA and DAR both partially and simultaneously on BUS asset growth in Indonesia. The research method uses a quantitative approach with panel data regression analysis on 5 Islamic Commercial Banks during the 2010-2024 period using STATA 17, with a total of 75 observations using the Common Effect Model (CEM). The results showed that ROA had a significant positive effect on asset growth, DAR had no effect on asset growth, but simultaneously the two variables had a significant effect on asset growth with a contribution of 14.34%.
An Analysis of the Determinants of Non-Performing Financing in Islamic Commercial Banks in Indonesia during the 2015–2024 Period Utami, Adinda Putri Wulandari; Juniwati, Endang Hatma; Pakpahan, Rosma; Nugraha, Hanafi; Hazma, Hazma
Journal of Applied Islamic Economics and Finance Vol. 6 No. 1 (2025): Journal of Applied Islamic Economics and Finance (Oktober 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v6i1.6773

Abstract

Non Performing Financing is one of the important indicators in assessing the financial health of Islamic Commercial Banks. This study aims to determine the magnitude of the influence of FDR, BOPO, Net Imbalan, Inflation, and Exchange Rate on Non Performing Financing which is proxied by the NPF ratio. This study uses a quantitative approach with a descriptive method, and the data analysis technique used is panel data regression analysis. The population in this study includes Islamic Commercial Banks in Indonesia registered with the Financial Services Authority (OJK) during the period 2015–2024. The data used is secondary data in the form of a combination of time series and cross-section data, where the bank's quarterly reports are obtained from the official websites of each bank. Data related to inflation and exchange rates are obtained from the official website of Bank Indonesia. The results of this study indicate that FDR and BOPO have a significant positive effect on the NPF ratio. Meanwhile, the Exchange Rate (Kurs) has a significant negative effect on the NPF ratio. Net Imbalan and Inflation do not have a significant effect on the NPF ratio. Simultaneously, all independent variables influence the NPF ratio. The results of this study are expected to provide contributions in the form of useful insights for bank management, especially in managing financing risks. Thus, this study is expected to be able to support the improvement of the stability and performance of Islamic Commercial Banking in Indonesia.
PENINGKATAN KAPASITAS PENGUSAHA UMKM MELALUI PELATIHAN PEMASARAN DIGITAL Juniwati, Endang Hatma; Purbayati, Radia; Pakpahan, Rosma; S, Waway Qodratulloh
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 6 No. 6 (2025): Vol. 6 No. 6 Tahun 2025
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v6i6.55228

Abstract

Program Pengabdian kepada Masyarakat (PKM) Politeknik Negeri Bandung dilaksanakan untuk meningkatkan literasi digital dan keterampilan pemasaran daring para pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) anggota Serikat Usaha Muhammadiyah (SUMU) Kota Bandung. Kegiatan ini berangkat dari kesenjangan adopsi teknologi di kalangan UMKM yang menyebabkan keterbatasan dalam pemanfaatan media digital untuk promosi dan pengelolaan usaha. Melalui pendekatan partisipatif dan kolaboratif, tim PKM merancang tiga tahapan kegiatan, yakni pemetaan kebutuhan mitra, pelatihan teknis digital marketing, serta pendampingan implementatif. Pelatihan difokuskan pada pengenalan konsep branding digital, strategi konten media sosial, serta pemanfaatan kecerdasan buatan (AI) untuk pembuatan konten promosi. Peserta dilatih menggunakan aplikasi seperti Canva, CapCut, Google Trends, dan Meta Business Suite. Evaluasi menunjukkan peningkatan pengetahuan peserta hingga 86%, dengan 72% telah mampu mengelola profil usaha melalui Google My Business dan 80% menggunakan AI untuk mendukung promosi. Dampak kegiatan juga terlihat dari peningkatan omzet hingga 20% serta terbentuknya komunitas SUMU Digital Learning Group sebagai wadah pembelajaran berkelanjutan. Hasil PKM ini menunjukkan bahwa pendekatan pelatihan berbasis praktik dan kebutuhan riil efektif dalam meningkatkan kompetensi digital, memperkuat jejaring sosial ekonomi, dan mendorong transformasi digital UMKM. Program ini menegaskan peran perguruan tinggi sebagai agen perubahan sosial yang menghubungkan keilmuan akademik dengan pemberdayaan masyarakat berbasis teknologi.
Co-Authors Ade Hodijah Arsyad, Zulkifli Ayu, Dewi Dadang Hermawan Devi, Sita Habinuddin, Endang Hazma, Hazma Junaedi, NS Muharam, Gema Takbir Nugraha, Hanafi Nurdin, Ade Ali Pakpahan, Rosma Purbayati, Radia S, Waway Qodratulloh Suhartini, Ida Utami, Adinda Putri Wulandari