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Implementasi Manajemen dan Perencanaan Keuangan Syariah pada Kinerja dan Produktivitas UMKM di Palembang Nisrochah Sholihah; M Satria Ladaina; Titin Hartini
TOMAN: Jurnal Topik Manajemen Vol. 2 No. 2 (2025): TOMAN: Jurnal Topik Manajemen
Publisher : Penerbit dan Percetakan CV.Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/toman.v2i2.258

Abstract

Penelitian ini bertujuan untuk mendalami bagaimana penerapan manajemen dan perencanaan keuangan berbasis syariah memengaruhi kinerja dan produktivitas Usaha Mikro, Kecil, dan Menengah (UMKM) di Palembang. Metode penelitian kualitatif digunakan dengan pengumpulan data melalui wawancara mendalam, observasi, dan dokumentasi pada pelaku UMKM yang telah menerapkan prinsip keuangan syariah. Hasil penelitian menunjukkan bahwa implementasi manajemen dan perencanaan keuangan syariah memberikan kontribusi signifikan terhadap peningkatan stabilitas keuangan, efisiensi pengelolaan modal, serta pertumbuhan omzet UMKM. Selain itu, penerapan nilai-nilai syariah dalam pengelolaan keuangan juga meningkatkan motivasi kerja dan produktivitas karyawan, sehingga mendukung keberlanjutan usaha. Namun, penelitian ini juga menemukan adanya kendala berupa kurangnya pengetahuan dan keterampilan pelaku UMKM dalam mengelola keuangan secara sistematis. Oleh karena itu, diperlukan peningkatan literasi keuangan syariah dan pendampingan dari pemerintah serta lembaga keuangan syariah agar UMKM dapat mengoptimalkan pengelolaan keuangannya secara efektif dan berkelanjutan.
PENGARUH CITRA MEREK, PERSEPSI HARGA DAN PROMOSI MELALUI MEDIA SOSIAL TERHADAP KEPUTUSAN PEMBELIAN PRODUK HIJAB UMAMA GALLERY PALEMBANG Melsa Laracia; Titin Hartini; Safitri Asrol
Jurnal Ekonomi dan Bisnis Nias Selatan Vol 9 No 1 (2026): Jurnal Ekonomi dan Bisnis Nias Selatan
Publisher : LPPM Universitas Nias Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57094/jeb.v9i1.5352

Abstract

This study aims to analyze the effects of brand image, price perception, and social media promotion on purchasing decisions for Umama Gallery hijab products in Palembang. The study employed a quantitative survey approach. The research population consisted of 31,273 consumers, while the sample was determined using incidental sampling based on the Taro Yamane formula with a 5% margin of error, resulting in 395 respondents. Primary data were collected through a five-point Likert-scale questionnaire and were analyzed using IBM SPSS Statistics 29. Prior to hypothesis testing, the data met the validity, reliability, and classical assumption requirements. The results show that brand image, price perception, and social media promotion each have a positive and significant effect on purchasing decisions. Among these variables, price perception has the strongest influence, followed by brand image and social media promotion. Furthermore, all three variables simultaneously have a significant effect on purchasing decisions. The coefficient of determination (R² = 0.438) indicates that brand image, price perception, and social media promotion explain 43.8% of the variance in purchasing decisions, while the remaining 56.2% is explained by other factors beyond the scope of this study.
Determinan Profitabilitas Pasca Merger Analisis Pengaruh BOPO terhadap RoA pada PT Bank Syariah Indonesia Tbk Muhammad Ghazi Dhiaulhaq; Titin Hartini
Surplus: Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2026): Januari-Juni 2026
Publisher : Yayasan Pendidikan Tanggui Baimbaian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71456/sur.v4i2.2125

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap Return on Assets (ROA) pada PT Bank Syariah Indonesia Tbk pasca merger. Penelitian menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Data yang digunakan berupa data sekunder time series yang diperoleh dari laporan keuangan triwulanan PT Bank Syariah Indonesia Tbk periode 2021–2024. Sampel penelitian terdiri atas 16 observasi yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan melalui statistik deskriptif, uji normalitas, regresi linear sederhana, uji t, dan koefisien determinasi dengan bantuan IBM SPSS Statistics 31. Hasil penelitian menunjukkan bahwa BOPO berpengaruh negatif dan signifikan terhadap ROA dengan koefisien regresi sebesar -0,083 dan nilai signifikansi kurang dari 0,001. Nilai koefisien determinasi (R²) sebesar 0,997 menunjukkan bahwa 99,7% variasi ROA dapat dijelaskan oleh BOPO. Temuan ini mengindikasikan bahwa efisiensi operasional berperan penting dalam meningkatkan profitabilitas perusahaan pasca merger. Penelitian ini menyimpulkan bahwa pengendalian biaya operasional yang efektif merupakan faktor penting dalam meningkatkan profitabilitas PT Bank Syariah Indonesia Tbk. Oleh karena itu, perusahaan perlu terus memperkuat strategi efisiensi operasional guna mendukung kinerja keuangan yang berkelanjutan.
Analisis Strategi Dengan Menggunakan Porter's Five Forces Model Pada Perusahaan Kentucky Fried Chicken (KFC) Di Indonesia Ahrina laila; Adila Misbahussururi; Titin Hartini
Jurnal Ekonomi dan Bisnis Digital Vol. 2 No. 2 (2024): Oktober - Desember
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to analyze KFC's business strategy using Porter's Five Forces Model. This analysis includes five competitive forces: threat of new entrants, bargaining power of suppliers, bargaining power of buyers, threat of substitute products, and competition between existing firms. Aims to understand external factors that influence a company's competitiveness in the industry. The methodology used in this research is a case study with a qualitative analysis approach. The data used was obtained through related literature, company annual reports, and other secondary sources that discuss KFC's competitive position. The analysis results show that KFC has a competitive advantage through brand strength, global distribution and product innovation, even though it faces threats from intense competition and changing trends in consumer preferences.
Analisis Adaptasi Praktik Manajemen Keuangan Syariah Pada UMKM Yang Dikelola Oleh Generasi Milenial Di Kota Palembang Adila Misbahussururi; Gustina; Titin Hartini
Jurnal Ekonomi dan Bisnis Digital Vol. 2 No. 4 (2025): April - Juni
Publisher : CV. ITTC INDONESIA

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Abstract

This study aims to analyze the adaptation of Islamic financial management practices among micro, small, and medium enterprises (MSMEs) managed by the millennial generation in Palembang City. Along with the growing awareness of sharia principles in economic activities, it is important to understand the extent to which millennial MSME actors apply Islamic financial concepts in managing their businesses. This research employs a descriptive qualitative approach, with data collected through in-depth interviews, observations, and documentation involving 10 millennial MSME actors engaged in the food and beverage, fashion, and service sectors. The findings indicate that while there is a basic understanding of Islamic financial principlessuch as the prohibition of riba (interest) and the importance of fairness in transactions the implementation remains limited due to a lack of practical Islamic financial literacy and restricted access to Islamic financial institutions. Active involvement from the government, Islamic financial institutions, and educational bodies is required to enhance understanding and accessibility of Islamic financial practices for millennial MSME actors in Palembang.
Pengaruh Penerapan Good Corporate Governance (GCG) Dan Sharia Compliance Terhadap Profitabilitas Bank Syariah Elen Karlina; Titin Hartini
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi Vol. 5 No. 2 (2026): Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi
Publisher : CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/jebmak.v5i2.1670

Abstract

Industri perbankan syariah di Indonesia menunjukkan pertumbuhan signifikan, namun dihadapkan pada tantangan untuk menjaga profitabilitas sekaligus mempertahankan identitas syariahnya. Metode penelitian menggunakan pendekatan kuantitatif dengan studi kausal komparatif dan data panel dari seluruh Bank Umum Syariah (BUS) yang terdaftar di Otoritas Jasa Keuangan (OJK) selama periode 2020-2024. Sampel dipilih secara purposive sampling. Variabel independen meliputi GCG (diukur dengan skor self-assessment) dan Sharia Compliance (diukur dengan Profit Sharing Ratio/PSR, Zakat Performance Ratio/ZPR, dan Islamic Income Ratio/IsIR). Variabel dependen adalah profitabilitas (diukur dengan Return on Assets/ROA dan Return on Equity/ROE). Analisis data dilakukan menggunakan regresi data panel. Hasil penelitian menunjukkan bahwa GCG memiliki pengaruh positif dan signifikan terhadap profitabilitas bank syariah, sejalan dengan Agency Theory. Untuk Sharia Compliance, Profit Sharing Ratio (PSR) dan Islamic Income Ratio (IsIR) berpengaruh positif dan signifikan terhadap profitabilitas. Sementara itu, Zakat Performance Ratio (ZPR) menunjukkan pengaruh positif namun seringkali tidak signifikan secara statistik dalam jangka pendek, meskipun berkontribusi pada reputasi jangka panjang sesuai Sharia Enterprise Theory.
Pengaruh Pembiayaan Murabahah, Mudharabah, Dan Musyarakah Terhadap Profitabilitas Bank Umum Syariah di Indonesia Rizky Arya Jaya; Titin Hartini
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi Vol. 5 No. 2 (2026): Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi
Publisher : CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/jebmak.v5i2.1699

Abstract

Penelitian ini bertujuan menganalisis pengaruh pembiayaan murabahah, mudharabah, dan musyarakah terhadap profitabilitas bank umum syariah di Indonesia yang diukur dengan Return on Assets (ROA). Penelitian ini menggunakan pendekatan kuantitatif dengan metode regresi data panel Fixed Effect Model. Populasi penelitian adalah seluruh Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan (OJK), dengan sampel sebanyak 12 bank selama periode 2018–2024 yang menghasilkan 84 observasi. Hasil penelitian menunjukkan bahwa pembiayaan murabahah berpengaruh positif dan signifikan terhadap ROA, sedangkan pembiayaan mudharabah dan musyarakah tidak berpengaruh secara signifikan. Secara simultan, ketiga variabel pembiayaan berpengaruh signifikan terhadap profitabilitas dengan nilai koefisien determinasi (R²) sebesar 41,2%. Penelitian ini mengisi research gap terkait data pasca merger industri perbankan syariah dan memberikan implikasi praktis bagi manajemen bank syariah dalam mengoptimalkan komposisi portofolio pembiayaan.
PENGARUH LITERASI KEUANGAN SYARIAH, INKLUSI KEUANGAN SYARIAH, DAN PERSEPSI RISIKO TERHADAP KEPUTUSAN INVESTASI DI PASAR MODAL SYARIAH PADA INVESTOR SAHAM SYARIAH DI KOTA PALEMBANG Aliya Saputri; Titin Hartini; Safitri Asrol
SmartBIZ: Journal of Business Management Vol 1, No 2 (2026): SmartBIZ: Journal of Business Management
Publisher : Yayasan Adwitiya Basurata Inovasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66088/smartbiz.v1i2.94

Abstract

The development of the Islamic capital market in Indonesia has experienced significant growth in line with increasing public awareness of Sharia-based investment, including in Palembang, which has shown a year-on-year increase in the number of Sharia stock investors. However, the increase in the number of investors has not been fully accompanied by optimal investment decision-making. This study was conducted to examine the effects of Islamic financial literacy, Islamic financial inclusion, and risk perception on investment decisions in the Islamic capital market among Sharia stock investors in Palembang. The objective of this study is to analyze the effects of each independent variable and their simultaneous effect on the investment decisions of Sharia stock investors. This study employs a quantitative method using primary data collected through questionnaires administered to 395 respondents determined using the Slovin formula with a 5% margin of error. The data were analyzed using multiple linear regression with the assistance of IBM SPSS Statistics 26. The results show that Islamic financial literacy, Islamic financial inclusion, and risk perception have positive and significant effects on investment decisions, both partially and simultaneously. This study is expected to serve as a consideration for investors in improving their understanding of Sharia-based investments before making investment decisions, as well as provide input for financial institutions and regulators in improving Islamic financial literacy and inclusion among the public. Future researchers are encouraged to incorporate other variables that may influence investment decisions and expand the geographical scope of the study to obtain more comprehensive results.