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All Journal Masyarakat Berdaya dan Inovasi Borobudur Management Review Jurnal Ar Ro'is Mandalika (Armada) Jurnal Pengembangan Masyarakat Lokal Jurnal Studi Manajemen Bisnis
Ratnawati, Dwi Puji
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Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Social Sciences Other

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FLUKTUASI KINERJA KEUANGAN PERBANKAN SYARIAH: ANALISIS PADA IMPLEMENTASI PROFIT LOSS SHARING DAN MANAJEMEN RISIKO Fajar, Maulana; Kusuma, Triana Hasty; Yuliana, Novita; Ratnawati, Dwi Puji
Jurnal Studi Manajemen Bisnis Vol 3, No 2 (2023): Jurnal Studi Manajemen Bisnis
Publisher : Universitas Muria Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24176/jsmb.v3i2.12118

Abstract

Profit Loss Sharing (PLS) plays a crucial role in determining the potential value of profits in Islamic banking. The PLS profit-sharing system indicates the success or failure in the financing investments undertaken by the banks. To generate profits from the financing investments, it is essential to have a reliable and sustainable risk management. In this study, the risk management variable will be comprehensively examined in relation to its impact on supporting the implementation of PLS systems (mudharabah and musyarakah) on financial performance. The analytical method employed is quantitative analysis with the support of the E-Views application program. The research sample includes 11 Islamic commercial banks in Indonesia, with an observation period from 2017 to 2022. The research analysis results demonstrate that mudharabah financing and musyarakah financing have a positive influence on financial performance. Risk management weakens the influence of mudharabah financing and musyarakah financing on financial performance. In terms of direct influence, risk management exerts the strongest impact compared to mudharabah financing and musyarakah financing. Mudharabah financing has the smallest impact on the value of financial performance.
Analisis Keputusan Manajerial Sistem Profit Loss Sharing Terhadap Tingkat NPF Bank Umum Syariah di Indonesia Fajar, Maulana; Yuliana, Novita; Ratnawati, Dwi Puji; Kusuma, Triana Hasty
Borobudur Management Review Vol 4 No 2 (2024): Vol 4 No: 2 (2024)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/bmar.v4i2.11851

Abstract

This research was conducted with the aim of analyzing the relevance between the PLS (Profit and Loss Sharing) financing system, which includes mudharabah and musyarakah, and the value of non-performing financing (NPF). The analytical method applied is quantitative analysis using panel data and the Eviews 12 application program. The research data is secondary data sourced from the annual reports of Islamic banks in Indonesia, published from 2012 to 2023. The results of the analysis conclude that mudharabah financing has a significant negative impact on NPF, while musyarakah financing has a significant positive impact on NPF. The analysis also shows that the amount of mudharabah financing is much smaller compared to musyarakah financing, indicating that the potential risk of musyarakah financing is much higher than that of mudharabah financing.
Penguatan motivasi bisnis dan promosi online bagi pedagang di Pasar Jadoel Lembah Si Cangkring Rina Dwiarti; Ratnawati, Dwi Puji; Arifin, Busthanul; Handayani, Sri
Masyarakat Berdaya dan Inovasi Vol. 5 No. 2 (2024)
Publisher : Research and Social Study Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33292/mayadani.v5i2.204

Abstract

Pengabdian masyarakat dilaksanakan di Pasar Jadoel Lembah Si Cangkring, Dusun Jambeyan, Sleman, Yogyakarta. Kegiatan ini meliputi pelatihan, studi banding, dan pendampingan terkait penguatan motivasi bisnis dan promosi online. Penguatan motivasi bisnis sangat penting mengingat potensi usaha pasar yang besar, namun sebagian besar pedagang hanya memanfaatkan waktu luang saat berjualan di hari Sabtu dan Minggu. Selain itu, promosi online yang telah dijalankan belum optimal, dengan konten yang monoton dan jarang diperbarui. Keterbatasan tenaga admin dalam merespons konsumen juga menjadi kendala. Untuk mengatasi hal ini, diadakan pelatihan oleh dosen dari Universitas Mercu Buana Yogyakarta, STIM YKPN Yogyakarta, dan Universitas Muria Kudus. Studi banding ke Desa Wisata Brayut Sleman juga dilakukan. Hasilnya, motivasi bisnis pedagang meningkat, mereka lebih konsisten berdagang, dan tim pemasaran semakin aktif dalam mengelola konten promosi online. Pelatihan ini berhasil menggugah semangat dan kinerja para pengurus serta pedagang pasar.
OPTIMALISASI DESAIN PRODUK UMKM VANIE HONEY: PENDAMPINGAN PEMBUATAN LABEL DAN PACKAGING UNTUK MENINGKATKAN DAYA TARIK PASAR Kusuma, Triana Hasty; Yuliana, Novita; Ratnawati, Dwi Puji; Habiba, Curie; Prayogo, Adhie
Jurnal Pengembangan Masyarakat Lokal Vol. 8 No. 1 (2025): Jurnal Pengembangan Masyarakat Lokal
Publisher : LPPM Universitas Samawa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58406/jpml.v8i1.1946

Abstract

Kegiatan pendampingan ini dilakukan untuk meningkatkan pemahaman mitra UMKM Vanie Honey yang bergerak dalam usaha madu terhadap perbaikan kualitas label logo dan packaging. Saat ini, usaha madu yang mereka hasilkan dari sisi penampilan baik label dan kemasan masih sederhana. Tujuan pengabdian kepada masyarakat untuk mengenalkan strategi branding (pengemasan dan pelabelan) yang baik dan menarik, dan kegiatan pelatihan bertujuan untuk melatih skill pelaku UMKM Vanie Honey mengenai cara pembuatan kemasan dan label yang baik dan menarik. Metode yang digunakan dalam skema sosialisasi dan pendampingan kepada pemilik terkait strategi labeling dan packaging untuk meningkatkan penjualan produk UMKM Vanie Honey di Kabupaten Demak ini dilaksanakan di Desa Katonsari Kecamatan Demak Kabupaten Demak pada hari Senin, 03 Februari 2025. Hasil pengabdian kepada masyarakat menujukan bahwa Universitas Muria Kudus setelah melakukan kegiatan pengabdian dalam rangka meningkatkan kualitas dan volume penjualan atas produk yang dihasilkan oleh UMKM Vanie Honey melalui penyuluhan dan pendampingan labelling dan packaging telah mampu meningkatkan daya tarik pasar juga meningkatkan penjulan produk pemilik usaha Vanie Honey di Desa Katonsari Kecamatan Demak Kabupaten Demak dengan kemasan yang lebih bagus, yaitu dengan menggunakan drigen dan botol kaca yang lebih tebal untuk melindungi produk dan menggunakan perekat bungkus yang lebih rapat sehingga tidak cepat terbuka, dan juga produk terlihat lebih menarik dan informatif karena telah mempunyai identitas atau label serta dapat menjangkau pasar yang lebih luas.
The Role of Financial Technology in Personal Financial Planning for the Millennial Generation in Urban Indonesia Today Ratnawati, Dwi Puji; Pratiwi, Rifka Sari; Rukmana, Indra Heri
Jurnal Ar Ro'is Mandalika (Armada) Vol. 5 No. 3 (2025): JURNAL AR RO'IS MANDALIKA (ARMADA)
Publisher : Institut Penelitian dan Pengembangan Mandalika Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59613/armada.v5i3.5291

Abstract

The rapid advancement of financial technology (fintech) has significantly reshaped how millennials in urban Indonesia manage their personal finances. Characterized by high digital literacy and mobile dependence, this generation has increasingly adopted fintech platforms for budgeting, saving, investing, and accessing financial protection. This study aims to analyze the role of fintech in supporting the personal financial planning of urban millennials, focusing on four key dimensions: cash flow management, savings, investment behavior, and financial protection. Using a qualitative approach with a literature review method, data were collected from ten peer-reviewed articles published between 2018 and 2025. The selected literature was analyzed thematically to identify patterns and synthesize insights. The findings reveal that fintech tools have facilitated more organized financial behaviors among millennials, enabling automation in savings, simplified investment access, and enhanced budgeting control. Moreover, fintech has played a vital role in democratizing access to insurance products. However, the study also found that the effectiveness of fintech is contingent upon the users’ level of financial literacy. While many millennials are eager to adopt digital financial solutions, gaps remain in risk awareness, long-term planning, and responsible consumption. Therefore, although fintech has the potential to transform financial planning, its benefits are maximized when accompanied by adequate financial education.
Co-Authors Arifin, Busthanul Fajar, Maulana Habiba, Curie Handayani, Sri Kusuma, Triana Hasty Prayogo, Adhie Rifka Sari Pratiwi Rina Dwiarti Rukmana, Indra Heri Yuliana, Novita