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All Journal Aspirasi : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat Jukerdi: Jurnal Kewirausahaan Cerdas Dan Digital
Daniel Sanggam Luhutan
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Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Public Health

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Analisis Perbandingan Kinerja Keuangan Perbankan Konvensional Dan Perbankan Syariah Angelina Rolas Olivia Naibaho; Daniel Sanggam Luhutan; Diva Alnaya; Muhammad Aldi Akbar; Hasyim Hasyim
Jurnal Kewirausahaan Cerdas dan Digital Vol. 1 No. 3 (2024): Jurnal Kewirausahaan Cerdas dan Digital
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jukerdi.v1i3.103

Abstract

The purpose of this study is to assess the comparative financial performance between conventional and Islamic banks in Indonesia by considering factors such as profitability, liquidity, operational efficiency, and credit risk. Using a qualitative approach and literature review method from various credible sources, the results show that conventional banks tend to use ROA, ROE, CIR, and NIM as the main profitability indicators; Islamic banks also use NPF and FDR. CAR and NIM affect Islamic banks' profitability positively against ROA, while BOPO affects conventional banks' ROA negatively. In terms of liquidity, Islamic banks have an advantage due to the yield principle applied. This is indicated by the current ratio, quick ratio, money ratio, and loan-to-deposit ratio, which show their ability to meet short-term obligations better compared to conventional banks. BOPO shows the operational efficiency of Islamic banks thanks to the principles of fairness and sustainability, while conventional banks excel in revenue management from assets and investor capital. The profit-sharing system in Islamic banks lowers credit risk compared to conventional banks. Although the operating principles of the two types of banking are different, this study found that each type of banking exhibits strengths and weaknesses in terms of profitability, liquidity, efficiency, and credit risk. It is hoped that these results will aid the growth of the Indonesian banking industry and help bank management and relevant stakeholders make informed decisions.
KKN Unimed 2025: dari Belimbing Tumbuh Ekonomi, dari Edukasi Lahir Generasi, dari Kebersamaan Hidup Harmoni Mahasiswa Kuliah Kerja Nyata Unimed 2025 Desa Durin Simbelang Faridz Ravsamjani; Aanzar Mizana Nugraha; Aldira Lidwina Br Sembiring; Angelina Rolas Olivia Naibaно; Annisa Hidayah; Bella Amelia; Bonny Saragih; Daniel Sanggam Luhutan; Debby Ayu Andrera; Fifi Ivana Greace Sembiring; Firza Aditya Ramadhan; Fitri Novi Yanti Munthe; Josep Nainggolan; Juan Prima Saragih; Leysutha Kenina Grata Aka; Malvira Pohan; Noubel Putra Nainggolan; Selfiana Lumbanbatu; Sylvia Anasthasya Angel; Theodore Winn Tarigan; Tiara Sauna Br Sembiring; Vina Prd; Zahru Saritza
ASPIRASI : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat Vol. 3 No. 5 (2025): September: ASPIRASI : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat
Publisher : Asosiasi Periset Bahasa Sastra Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/aspirasi.v3i5.2249

Abstract

Community Service Program (KKN) is a form of student community service by directly applying scientific knowledge in the field. The 2025 Unimed KKN was conducted in Durin Simbelang Village, Pancur Batu District, Deli Serdang Regency, with the aim of empowering local potential and improving the quality of education, social, and environmental aspects of the village. This research used a qualitative descriptive approach with participatory methods, in which students actively engaged with the community in each program. Data were collected through observation, interviews, documentation, and direct participation, then analyzed descriptively through the stages of reduction, presentation, and conclusion. Research findings indicate that the Community Service Program (KKN) has had a significant impact in various aspects. In the economic sector, the downstreaming and marketing of processed starfruit products has successfully improved residents' skills in processing harvested produce into value-added products. In the educational sector, activities such as "Ceria Calistung Ceria," "Si Cerdik Math," "English Fun Club," "Savings for Small Change," "Education for the Creative Economy," and "Wisdom Digital Literacy" have proven effective in improving academic skills, creativity, and positive character traits among the younger generation. In the social and environmental aspects, the "gotong royong" (mutual cooperation) program, rhythmic gymnastics, educational trash signage, volleyball court construction, gate decoration, and 17th August competitions have strengthened social cohesion, raised awareness of healthy living, and increased concern for environmental cleanliness.
Co-Authors Aanzar Mizana Nugraha Aldira Lidwina Br Sembiring ANGELINA ROLAS OLIVIA NAIBAHO Angelina Rolas Olivia Naibaно Annisa Hidayah Bella Amelia Bonny Saragih Debby Ayu Andrera Diva Alnaya Faridz Ravsamjani Fifi Ivana Greace Sembiring Firza Aditya Ramadhan Fitri Novi Yanti Munthe Hasyim Hasyim Josep Nainggolan Juan Prima Saragih Leysutha Kenina Grata Aka Malvira Pohan Muhammad Aldi Akbar Noubel Putra Nainggolan Selfiana Lumbanbatu Sylvia Anasthasya Angel Theodore Winn Tarigan Tiara Sauna Br Sembiring Vina Prd Zahru Saritza