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ANALISIS FINANCIAL DISTRESS PADA BANK UMUM SYARIAH MELALUI METODE REGRESI LOGISTIK BINER DATA PANEL Mella Katrina Sari; Sri Eka Sadriatwati
JURNAL PENELITIAN EKONOMI DAN AKUNTANSI (JPENSI) Vol 5, No 2 (2020): JURNAL PENELITIAN EKONOMI DAN AKUNTANSI (JPENSI)
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/.v5i2.336

Abstract

Penelitian ini dilakukan dengan tujuan menganalisis Financial Distress pada Bank Umum Syariah. Dalam penelitian ini menggunakan indikator Financial Distress yaitu Return On Asset (ROA), Retun On Equity (ROE), Debt Ratio (DR), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Dewan Komisaris Independen (DKI), dan Dewan Direksi (DD). Berdasarkan metode purposive sampling, sampel yang diperoleh adalah 6 perusahaan Bank Umum Syariah, yaitu Bank Muamalat Indonesia, Bank Mandiri Syariah, Bank Mega Syariah, Bank BRI Syariah, Bank Syariah Dubai Panin, dan Bank Bukopoin Syariah. Analisis data dalam penelitian ini menggunakan program STATA 16. Teknik analisis data yang digunakan dalam penelitian ini menggunakan analisis regresi logistik dengan data panel. Periode observasi penelitian dari triwulan pertama 2010 hingga triwulan ketiga 2019. Hasil penelitian ini sesuai dengan teori sinyal yang menunjukkan hubungan Return On Asset (ROA), Return On Equity (ROE), dan Non Performing Financing (NPF) berpengaruh signifikan terhadap Financial Distress di Bank Syariah, namun Debt Ratio (DR), Capital Adequacy Ratio (CAR), Dewan Komisaris Independen (DKI) dan Dewan Direksi (DD) memiliki pengaruh yang tidak signifikan terhadap Financial Distress.
Implementation of Decision Support System Techniques in Evaluating IoT-Based Anthropometric Devices for Stunting Prevention in Toddlers Eni Safriana; Farika T Putri; Ragil T Indrawati; Wahyu I Nugroho; Mella K Sari; Anoeng Prasetyo; Arhama Insani; Muryanto
BIOMEJ Vol. 5 No. 1 (2025): BIOMEJ
Publisher : UPN 'Veteran" Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/biomej.v5i1.146

Abstract

Stunting remains a significant national health issue in Indonesia, prompting the government to focus on its prevention through regular monitoring of child growth. This study aimed to determine the preferred IoT-based anthropometric measuring device for toddlers using Decision Support System (DSS) methods, specifically Analytic Hierarchy Process (AHP), Weighted Product (WP), and Technique for Order Preference by Similarity to Ideal Solution (TOPSIS). Two products, Product A and Product B, were evaluated based on criteria including accuracy, ease of use, durability, connectivity, and cost. The AHP method was used to determine the criteria weights, followed by the application of WP and TOPSIS to rank the products. The results indicated that Product A was consistently preferred, demonstrating superior performance in accuracy testing with an average accuracy of 98.76% for height and 99.21% for weight measurements, compared to Product B’s 95.42% and 96.85%, respectively. These findings validate the effectiveness of the DSS methods used, providing a reliable approach for selecting IoT-based healthcare devices. This study offers a practical decision-making framework for Posyandu and other healthcare facilities to ensure accurate and efficient child growth monitoring.
Parametric Stochastic Frontier Approach To Measure Efficiency Pre-And-Post-Merger Bank Syariah Indonesia Sari, Mella Katrina; Widodo, Saniman; Lestari, Suryani Sri; Widowati, Mustika; Hasanah, Siti
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 13 No 1 (2024): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v13i1.1840

Abstract

This research analyses the efficiency of pre-and-post-merger Bank Syariah Indonesia (BSI). This research used a descriptive quantitative analysis method. The population in this research is Islamic banks, which were merged into BSI. The sampling technique was carried out using saturated samples, resulting in the merged of three Islamic Banks, namely Bank Syariah Mandiri (BSM), Bank Negara Indonesia Syariah (BNIS), Bank Rakyat Indonesia Syariah (BRIS), to become BSI. The data used is secondary data in the form of quarterly financial reports for 2019-2022. The research focused on input variables such as total fixed assets, third-party funds, operating costs, and financing. The data analysis techniques used to measure the efficiency of Islamic banks are the Econometric Model (Single Equation Model), Stochastic Frontier Analysis (SFA), and Independent Sample t-test. The result showed that pre-merger, the total fixed asset, total third-party funds, and operating cost as the input variables of the three Islamic Banks were optimal for generating financing. Therefore, the total assets, total third-party funds, and operating costs produced a more optimal impact on the distribution of total financing. It is shown that BSI, both pre-and-post-merger, has generally been efficient in its operational activities. The results of this research complement the theory related to the efficiency level of Islamic banks in terms of the amount of financing as measured by fixed assets, total third-party funds, and operational costs. Practically, the results of this research can be a reference for banks, especially Islamic banks, that will carry out mergers to measure their efficiency level.
Determinants of Islamic commercial banks financing risk in Indonesia Sari, Mella Katrina
Journal of Islamic Economics Lariba Vol. 2 No. 2 (2016)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol2.iss2.art3

Abstract

This research is aimed to show the empirical evidence of the influence of Financing Expansion, Financing Quality, Financing to Deposit Ratio, and Return on Assets on financing risk in Islamic Commercial Banks in Indonesia. This research uses purposive sampling so that three Islamic Commercial Banks are choosen: Bank Syariah Mandiri, Bank Muamalat Indonesia, and Bank Mega Syariah Indonesia. The analysis method of this research is panel data regression analysis. This research applies Panel Unit Roots (PRUTS), model specification test using Fixed Effect Model, classical assumption test (Homoscedastic, Autocorrelation, and Prais-Winsten Regression), hypothesis testing with a significance level of 5%. The result shows that Financing Expansion and Return on Assets have a negative and significant influence on financing risk. Meanwhile, Financing Quality and Financing to Deposit Ratio have a positive and significant influence on financing risk.
Analisis Rasio Profitabilitas Berdasarkan Faktor Internal Bank Syariah Sari, Mella Katrina
Indonesian Journal of Multidisciplinary on Social and Technology Vol. 1 No. 3 (2023)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/ijmst.v1i3.229

Abstract

Bank Muamalat Indonesia merupakan pelopor pertama dari bank syariah di Indonesia, dengan adanya fenomena bisnis berupa merger tiga bank umum syariah pada tahun 2021 yaitu Bank Syariah Mandiri, Bank Negara Indonesia Syariah dan Bank Rakyat Indonesia yang melebur menjadi satu yaitu Bank Syariah Indonesia serta disaat yang sama terjadi covid-19 yang secara tidak langsung berdampak pada sector perbankan. Tujuan dari penelitian ini ialah untuk menganalisa rasio profitabilitas pada Bank Muamalat Indonesia apakah perusahaan mampu menganalisa profitabilitasnya dengan Bank Umum Syariah lainnya sesuai dengan fenomena bisnis dan research gap dengan menggunakan faktor internal yaitu pembiayaan bermasalah (NPF), likuiditas (FDR), dan Efisiensi (BOPO) sebagai faktor internal pada Bank Umum Syariah studi kasus Bank Muamalat Indonesia dengan Periode pengamatan  2015 hingga 2022. Metode dalam penelitian ini menggunakan deskriptif kuantitaif, data sekunder yang digunakan diambil dari website laporan keuangan tahunan Bank Muamalat Indonesia pada tahun 2015–2022. Teknik analisis regresi linear berganda yang digunakan dalam penelitian ini dan data  diolah menggunakan software SPSS 26. Tahapan pengujian data dalam penelitian ini ialah Deksriptif Analisis, Asumsi Klasik (Normalitas, Multikolinearitasm, Heterokedastisitas, dan Autokorelasi), Uji koefisien tereminasi, uji F Simultan dan uji t Parsial dengan signifikansi sebesar 0,05 atau tingkat kepervayaan 95% Hasil penelitian ini menunjukkan secara simultan pembiayaan bermasalah, likuditas maupun  efisiensi berpengaruh terhadap profitabilitas, secara parsial NPF sebagai proksi dari pembiayaan bermasalah tidak berpengaruh signifikan terhadap Profitabilitas, sementara likuditas (FDR)maupun efisiensi (BOPO) memiliki pengaruh signifikan terhadap Profitabilitas (ROA). Koefisien Determinasi (R2) pada model regresi linear berganda (R2) menunjukkan nilai sebesar 0.910 atau 92%, sehingga diartikan bahwa variabilitas dari profitabilitas Bank Muamalat Indonesia dipengaruhi oleh pembiayaan bermasalah dihitung melalui rasio NPF, likuiditas dihitung melalui rasio FDR, dan efektivitas dihitung melalui rasio BOPO sebesar 91% sedangkan sisanya 9% dipengaruhi oleh faktor-faktor lain diluar model ini.
Green Banking and Competitive Advantage: A Strategic Management Perspective Sri Eka Sadriatwi; Mella Katrina Sari
Maneggio Vol. 2 No. 6 (2025): DECEMBER-MJ
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/28b74h58

Abstract

This study examines the strategic role of green banking in creating competitive advantage within the banking sector from a strategic management perspective. Using a quantitative approach, this research employs Structural Equation Modeling with Partial Least Squares (SEM–PLS) to analyze data collected from 210 managerial-level employees of commercial banks operating in Indonesia. The findings indicate that green banking has a positive and significant effect on competitive advantage, both directly and indirectly through strategic efficiency as a partial mediating variable. This result suggests that green banking contributes to competitive advantage not merely through regulatory compliance or reputational signaling, but through its integration into core strategic and operational processes. Strategic efficiency, reflected in process optimization, long-term cost reduction, and sustainable innovation, strengthens the effectiveness of green banking in generating superior competitive outcomes. These findings position green banking as a strategic capability that enhances organizational competitiveness when embedded within long-term strategic orientation. This study contributes to the strategic management and sustainability literature by providing empirical evidence from an emerging economy context and by clarifying the internal mechanisms through which green banking creates value. The results offer important implications for banking management in designing sustainability-driven strategies that support long-term competitive advantage