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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURNAL RUMPUN MANAJEMEN DAN EKONOMI Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Renny Oktavia
Unknown Affiliation
Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Mathematics Social Sciences

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ANALISIS RASIO RENTABILITAS UNTUK MENGETAHUI KINERJA KEUANGAN PADA PT. BANK MANDIRI (PERSERO) TBK Dwi Fadhilah Umami; Yasya Fitria Apsari; Muhammad Falah Musyaffa; Renny Oktavia
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 1 (2024): Maret
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i1.1138

Abstract

. This study aims to estimate and evaluate the profitability comparison of PT Bank Mandiri in terms of Return On Asset (ROA), Return On Equity (ROE) and Net Profit Margin (NPM) at Bank Mandiri in 2020-2021. Research methodology is carried out by reviewing a number of scientific books, journals, papers, and articles relevant to current discussions. Financial statement data is obtained from Bank Mandiri's website. The analysis method used, namely by quantitative and qualitative. The results obtained by Bank Mandiri's Return on Asset (ROA) value in 2020 were 1.57% which were in Good condition while in 2021 Bank Mandiri's ROA value was 2.34% which was in Very Good condition. The Return On Equity (ROE) value at Bank Mandir in 2020 was 8.05% which indicates the undesirable category. Meanwhile, in the 2021 period, it faced an increase in Bank Mandiri's Retrun On Equity value of 13.39%, which showed that it was in the Sufficient category. In 2020, Bank Mandiri's NPM was 170.96%, indicating very good conditions. However, in 2021 Bank Mandiri's NPM decreased where in 2021 Bank Mandiri's NPM was 30.36% which showed very bad conditions
Analisis Kebijakan Fiskal dan Moneter terhadap Perekonomian Indonesia Menurut Ekonomi Islam Suci Diana Wulansari; Bunga Ayufi Rachmaniyah; Krisna Reswara; Renny Oktavia
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22329

Abstract

Kebijakan Fiskal dan Moneter merupakan suatu kebijakan yang berpengaruh terhadap kebijakan ekonomi makro. Kedua kebijakan ini harus saling berdampingan dan kontributif supaya pertumbuhan ekonomi dapat sesuai dengan harapan. Dalam penelitian ini peneliti akan fokus membahas terkait perkembangan ekonomi Islam dalam kebijakan fiskal dan kebijakan moneter untuk perekonomian Indonesia. Metode penelitian yang digunakan adalah penelitian kepustakaan dengan analisis deskriptif. Metode analisis deskriptif ini melibatkan penyajian data interpretasi berupa artikel dari sejumlah referensi. Sesuai dengan hasil menyatakan bahwa kebijakan fiskal dan moneter dikatakan dapat memberikan pengaruh terhadap kebijakan ekonomi makro. Dalam hal ini, penetapannya tentu memberikan dampak untuk mencapai perbaikan perekonomian.
Analisis Kebijakan Fiskal dan Moneter terhadap Perekonomian Indonesia Menurut Ekonomi Islam Suci Diana Wulansari; Bunga Ayufi Rachmaniyah; Krisna Reswara; Renny Oktavia
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22329

Abstract

Kebijakan Fiskal dan Moneter merupakan suatu kebijakan yang berpengaruh terhadap kebijakan ekonomi makro. Kedua kebijakan ini harus saling berdampingan dan kontributif supaya pertumbuhan ekonomi dapat sesuai dengan harapan. Dalam penelitian ini peneliti akan fokus membahas terkait perkembangan ekonomi Islam dalam kebijakan fiskal dan kebijakan moneter untuk perekonomian Indonesia. Metode penelitian yang digunakan adalah penelitian kepustakaan dengan analisis deskriptif. Metode analisis deskriptif ini melibatkan penyajian data interpretasi berupa artikel dari sejumlah referensi. Sesuai dengan hasil menyatakan bahwa kebijakan fiskal dan moneter dikatakan dapat memberikan pengaruh terhadap kebijakan ekonomi makro. Dalam hal ini, penetapannya tentu memberikan dampak untuk mencapai perbaikan perekonomian.
Implementation Of Business Development Strategies To Improve Competitiveness At Bank Syariah Indonesia Surabaya Renny Oktavia; Shania Pradyptha Kusuma; Mutiara Latifah; Annisa Dwi Wulandari
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 1 (2026): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecopreneur.v7i1.4072

Abstract

Islamic banking in Indonesia shows a positive growth trend, but still faces significant challenges in increasing competitiveness amidst tight competition between islamic banks and conventional banks. This indicates a gap between the potential of the Islamic finance market and its actual realization. This study aims to analyze the challenges and formulate strategies to enhance the competitiveness of Islamic banking, focusing on a case study of Bank Syariah Indonesia (BSI) KCP MERR and KCP PGS Surabaya. A descriptive qualitative approach was employed, utilizing semi-structured interviews with informants who had internship experience at BSI, along with a literature review of academic journals and secondary data such as official reports from the Financial Services Authority (OJK). The findings reveal that the main challenges faced by BSI include low Islamic financial literacy, limited digital innovation, and insufficient outreach in marketing strategies. The strategies implemented involve enhancing digital services, conducting intensive public education, and developing Sharia-compliant financial products based on market needs. The implications of this research are expected to provide practical recommendations for strengthening the competitiveness of Islamic banks nationally while promoting inclusive financial growth grounded in Islamic values.
Co-Authors Annisa Dwi Wulandari Bunga Ayufi Rachmaniyah Dwi Fadhilah Umami Krisna Reswara Muhammad Falah Musyaffa Mutiara Latifah Shania Pradyptha Kusuma Suci Diana Wulansari Yasya Fitria Apsari