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All Journal Journal Of Human And Education (JAHE) Jurnal Pendidikan Indonesia (Japendi) Al-Infaq : Jurnal Ekonomi Islam
Irawan, Panji
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Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Penguatan Literasi dan Praktek Wirausahaan pada Generasi Melenial di MTs Negeri 1 Yogyakarta Nugraha, Budi Sutiono Pratama; Subroto, Melvin Rahma Sayuga; Nurcahyanti, Febriani Wahyusari; Irawan, Panji
Journal Of Human And Education (JAHE) Vol. 3 No. 4 (2023): Journal Of Human And Education (JAHE)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jh.v3i4.573

Abstract

Generasi milenial, memiliki potensi besar untuk berkembang menjadi wirausahawan yang sukses dan mandiri. Salah satu tantangan yang dihadapi generasi muda saat ini adalah kurangnya pemahaman tentang literasi dan praktik wirausaha. Oleh karena itu, penting untuk memberikan pendidikan dan pelatihan pada generasi muda tentang literasi dan praktik wirausaha agar mereka dapat mempersiapkan diri untuk memasuki dunia kerja atau menjadi wirausahawan. Tujuan program pengabdian ini adalah menyelesaikan permasalahan litersi Kewirausahaan di generasi melanial. Praktek membuat produk kewirusahaan merupakan bentuk konkret untuk implementasi kewirausaan digenerasi melenial. Penerapan alat-alat otomatis dengan didukung teknologi baru diharapkan dapat mengatasi permasalahan yang selama ini ada. Capaian program ini bukan hanya sebagai penyelesaian masalah, namun dapat memberikan pengetahuan mengenai literasi kewirusahan kepada generasi melinial siswa Mts N 1, praktek kewirausahan yang dapat dapat dikerjakan langsung dan pendampingan oleh pihak Guru, serta meningkatkan keterampilan dan kesejahteraan siswa dikemudian hari. Harapan dari program pengabdian ini adalah menguatkan literasi kewirausahan dari usia dini pada generasi melinial melalui praktek praktis kewirausahan di MTs N 1. Adapun metode yang digunakan pada program pengabdian ini yaitu analisis masalah, analisis pembentukan karekater wirausaha, perancangan dan implementasi program serta praktek wirausahan yang dibuat. Metode ini bermanfaat pula untuk pihak yang terlibat diantaranya pihak guru wirausahaan, Dosen/ Pelaku Program Pengabdian dan mahasiswa. Program ini akan berkelanjutan dengan adanya pendampingan dan monitoring evaluasi terhadap siswa Mts Negeri 1 dan guru unit usaha siswa.
Operational Risk and Bank Profitability: Analyzing BOPO and Efficiency Ratios in Indonesian Commercial Banks Irawan, Panji; Damayanti, Evita; Putri Pratama, Riza; Denita Siagian, Lina; Hanggraeni, Dewi
Jurnal Pendidikan Indonesia Vol. 6 No. 1 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i1.6775

Abstract

The banking industry has a crucial role in the financial stability of a country. In this context, operational risk management is an important factor that affects the profitability of banks. This study aims to analyze the relationship between operational risk, which is measured using Operating Costs to Operating Income (BOPO) and Efficiency Ratio, on the profitability of commercial banks in Indonesia represented by Return on Assets (ROA). This study uses panel data from 49 commercial banks in Indonesia during the period Q3 2012 to Q3 2024. The analysis was carried out using  the Ordinary Least Squares (OLS), Fixed Effects, and Random Effects methods  to identify the impact of operational risks on profitability. The results show that BOPO and Efficiency Ratio have a significant negative influence on ROA. This indicates that increased operational risk, both through cost efficiency and asset efficiency, can reduce bank profitability. In addition, macroeconomic variables such as Gross Domestic Product (GDP) and bank-specific variables such as Non-Performing Loans (NPLs) were also found to have a significant effect on ROA. This study emphasizes the importance of implementing effective operational risk management strategies to improve bank financial performance. This study contributes by providing empirical evidence on the relationship between operational risk and profitability in the context of Indonesian banking, and offers recommendations for strengthening operational risk management through cost efficiency, regulatory compliance, and strengthening internal oversight.
DETERMINANT OF BANK MUAMALAT’S PROFITABILITY BASED ON FINANCIAL VARIABLES Rachmawaty, Rachmawaty; Irawan, Panji; Jati, Waluyo
Al-Infaq: Jurnal Ekonomi Islam Vol. 14 No. 2 (2023): SEPTEMBER
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Bank Mualamat is Indonesia's first Islamic Bank, founded in 1991. In its journey, Bank Muamalat experienced a crisis, including in 2015-2019, related to the Capital Adequacy Ratio (CAR), which was close to the minimum limit, Non-Performing Financing (NPF), which was high above the industry average Banking and ended with low profitability. This study focuses on determining the financial variables that affect the profitability of Bank Muamalat. The financial variables tested were CAR and Net Income Margin (NIM), Financing to Deposit Ratio (FDR), and NPF to Profitability (ROA) for the 2011-2022 period. The results of this study partially show that CAR and FDR do not affect ROA, but NIM and NPF significantly affect ROA. The research results that the Management of Bank Muamalat must consider are that simultaneously, CAR, NIM, FDR, and NPF affect ROA with a significance value of 0.012 <0.05. Based on the analysis, the coefficient of determination is 89.4%, which means that CAR, NIM, FDR, and NPF have an effect of 89.4% on ROA.
Co-Authors Damayanti, Evita Denita Siagian, Lina Hanggraeni, Dewi Jati, Waluyo Nugraha, Budi Sutiono Pratama Nurcahyanti, Febriani Wahyusari Putri Pratama, Riza Rachmawaty Rachmawaty, Rachmawaty Subroto, Melvin Rahma Sayuga