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All Journal Journal of Artificial Intelligence and Digital Business Jurnal Intelek Dan Cendikiawan Nusantara Journal of Research on Community Engagement
Ananda, Annisa Septri
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Humanities Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Social Sciences Other

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Pengaruh CAR, FDR, NPF, BOPO Terhadap ROA Bank Muamalat Emilia, Nadia; Ananda, Annisa Septri; Yuniar, Halmaita Selvy
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.570

Abstract

Penelitian ini mengkaji dampak Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) serta Return on Assets (ROA) di Bank Muamalat selama periode 2014-2022. Pentingnya penelitian ini terletak pada pemahaman tentang elemen-elemen yang mempengaruhi profitabilitas bank syariah di tengah persaingan di sektor keuangan. Kesenjangan penelitian terjadi karena mayoritas studi sebelumnya lebih menekankan pada ROE dan efisiensi operasional tanpa mempertimbangkan keterkaitan langsung antara variabel-variabel ini dan ROA dalam konteks perbankan syariah, terutama setelah pandemi. Penelitian ini menggunakan metode kuantitatif dengan analisis regresi berganda, yang melibatkan data laporan keuangan tahunan Bank Muamalat dari tahun 2014 hingga 2022. Hasil dari penelitian ini menunjukkan bahwa CAR dan FDR memiliki pengaruh positif walaupun tidak signifikan terhadap ROA, NPF juga tidak menunjukkan pengaruh yang signifikan, sementara BOPO terbukti berpengaruh negatif dan signifikan terhadap ROA, yang menunjukkan bahwa efisiensi operasional memainkan peran penting dalam menentukan profitabilitas aset bank. Temuan ini memberikan dampak pada manajemen Bank Muamalat untuk merumuskan strategi operasional dan pembiayaan guna meningkatkan pengelolaan aset serta profitabilitas.
EDUKASI DAN SOSIALIASI BAHAYA JUDI ONLINE PADA SISWA SMP DAN SMK DWI PANGGA SEBAGAI BENTUK PENGABDIAN PADA MASYARAKAT Yulianti, Iin; Ananda, Annisa Septri; Kusuma, Amanda Aulia; Salsabila, Alvina; Sari, Mardiana Putpita
JRCE (Journal of Research on Community Engagement) Vol 7, No 1 (2025): Journal of Research on Community Engagement
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/jrce.v7i1.36328

Abstract

The development of digital technology has led to a rise in online gambling practices among teenagers, particularly junior and vocational high school students. Low digital literacy and lack of supervision make them a vulnerable group. In response, KKN (Community Service Program) students conducted a socialization program at SMP and SMK Dwi Pangga in Bandar Lampung as a form of community engagement. The activities included interactive lectures, discussions, and quiz-based evaluations, covering topics such as the definition of online gambling, its negative impacts, and prevention strategies. The results showed that student participation exceeded the target, with high enthusiasm and improved understanding of online gambling risks. The interactive method proved effective in delivering educational messages, while also highlighting the role of university students as agents of change in preventing deviant behavior among teenagers.
Kemudahan dan Efisiensi M-Banking Sebagai Solusi Praktis di Era Digital Ananda, Annisa Septri; Fasa, Muhammad Iqbal
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 5 (2024): OKTOBER-NOVEMBER 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

The presence of mobile banking can have a positive impact because the main purpose of Mobile Banking is to facilitate customers in conducting every transaction they wish to make. The aim of this research is to determine the ease and efficiency of customers' interest in transacting using mobile banking in the digital era. This research is a qualitative study that collects secondary data through a literature review. The existence of mobile banking technology certainly aids the efficiency of its users, as it makes things easier for them. Mobile banking technology can be used at any time with peace of mind, without worrying about the privacy of personal data, thanks to a good service system that also maintains its image.
Co-Authors Emilia, Nadia Iin Yulianti, Iin Kusuma, Amanda Aulia Muhammad Iqbal Fasa Salsabila, Alvina Sari, Mardiana Putpita Yuniar, Halmaita Selvy