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All Journal Journal of Innovative and Creativity Indonesian Journal of Community Engagement
Deta Trinalti Oktavia
Universitas Sriwijaya
Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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The Effect of Financial Ratios on Profit-Sharing Financing in Bank Syariah Indonesia Post Merger Deta Trinalti Oktavia
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.4397

Abstract

The purpose of this study is to analyze the effect of Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Expenses to Operating Income (BOPO) on profit-sharing financing. The object of this research is Bank Syariah Indonesia, which is the result of a merger between Bank Syariah Mandiri, BNI Syariah, and BRI Syariah. The research data were obtained from the quarterly published financial reports of Bank Syariah Indonesia for the period 2021–2025. Data analysis was conducted using the EViews application. The results show that Non-Performing Financing (NPF) and Operating Expenses to Operating Income (BOPO) have a negative relationship with profit-sharing financing, while the Financing to Deposit Ratio (FDR) has a positive effect on profit-sharing financing. The independent variables, consisting of NPF, FDR, and BOPO, simultaneously have a significant effect on the dependent variable, profit-sharing financing. These findings are consistent with the theory of Islamic banking intermediation, which emphasizes that the stability of internal financial performance is a key factor influencing a bank’s ability to distribute profit-sharing-based financing to its customers.
Improving Financial Literacy and the Accuracy of Financial Statement Preparation Among Accounting Personnel and Stakeholders Fardinant Adhitama; Nur Khamisah; Asfeni Nurullah; Nilam Kesuma; Ina Masruroh; Ahmad Fikriyansyah; Muthi'a Handayani; Deta Trinalti Oktavia
Indonesian Journal of Community Engagement Vol. 2 No. 2 (2025): (May) Indonesian Journal of Community Engagement
Publisher : PT. Altaf Publishing Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70895/ijce.v1i3.62

Abstract

Understanding and analyzing financial statements is an essential skill for stakeholders, particularly for managers and accounting staff in a business or company. This community service activity was carried out as an effort to improve financial literacy comprehension among accounting staff and stakeholders. The activity was conducted through a discussion-based method that delivered material on financial literacy and the preparation of financial statements. This program was attended by 30 accounting staff and stakeholders. As a result of this activity, participants gained a deeper understanding of the importance of accurately and thoroughly interpreting financial statement information, as it significantly impacts future decision-making. Overall, a solid grasp of financial statement information and its preparation enables stakeholders to participate more effectively in the management, supervision, and decision-making processes related to the company.
Co-Authors Adhitama, Fardinant Ahmad Fikriyansyah Asfeni Nurullah Ina Masruroh Khamisah, Nur Muthi'a Handayani Nilam Kesuma