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All Journal Paradigma : Journal of Science, Religion and Culture Studies I-ECONOMICS: A Research Journal on Islamic Economics BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat PROGRESIF
Ningsih, Hestin Agus Tantri
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Religion Humanities Economics, Econometrics & Finance Education Public Health Social Sciences Other

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The Influence of Murabahah, Musyarakah, Mudharabah and Qardh on the Profitability of Islamic Commercial Banks Nurjanah, Feby; Budiantoro, Harry; Gunawan, Andri; Zhafiraah, Nazma Riska; Ningsih, Hestin Agus Tantri
PARADIGMA : JURNAL ILMU PENGETAHUAN AGAMA, DAN BUDAYA Vol 21 No 2 (2024): PARADIGMA Journal of Science, Religion and Culture Studies
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/paradigma.v21i2.9962

Abstract

This research aims to determine how the effect of Murabahah, Musyarakah, Mudharabah and Qardh financing on profitability at Islamic Commercial Banks for the period 2017-2021. The research method used in this research is quantitative research method. The data collection method was carried out through documentation using secondary data taken from the financial statements of each Islamic commercial bank in 2017-2021. The sampling method used purposive sampling technique with the analysis technique used was multiple linear regression using the SPSS version 26 application. The results showed that none of the Murabahah variables had an effect on profitability. Musyarakah variable has a negative and significant effect on profitability. Meanwhile, Mudharabah and Qardh variables have a positive and significant effect on profitability. The managerial implication is that Murabahah as the type of financing most often used by Islamic banks provides a relatively stable fixed income because it uses the principle of a fixed margin agreed upon in advance. Musharakah involves joint capital participation between the bank and the customer, where the bank gets a share of the profits or bears the losses according to the agreement. The bank acts as the capital owner (shahibul maal) who hands over funds to the business manager (mudharib) and gets a share of the profits.
ANALYSIS OF INDONESIA SHARIA BANK'S HEALTH LEVEL ACCORDING TO FINANCIAL SERVICES AUTHORITY REGULATIONS Kinanti, Sekar; Budiantoro, Harry; Gunawan, Andri; Lapae, Kanaya; Ningsih, Hestin Agus Tantri
I-Economics Vol 10 No 1 (2024): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v10i1.22198

Abstract

This study aims to determine and assess the Health Level of a bank using the Risk Profile, Good Corporate Governance, Earnings and Capital (RGEC) method of Bank Syariah Indonesia Quarter I 2021 - Quarter III 2022. This type of research is quantitative. The analysis used in this study uses Net Financing Performance (NPF), Financing to Deposit Ratio (FDR), Operating Expenses and Operating Income (BOPO) and Net Operating Margin (NOM). This study will compare and analyze the health level of banks at Bank Syariah Indonesia. Based on the research results, it can be concluded that Bank Syariah Indonesia for the NPF ratio shows an assessment of the bank's health level, namely "Healthy", FDR Bank Syariah Indonesia for the first quarter of 2019 - the fourth quarter of 2020 before the merger was still at an average of "fairly healthy", the NOM ratio of Bank Syariah Indonesia is still below 0, not yet capable of managing all of its productive assets and the health level of the CAR ratio is still at rank 1 "Very Healthy "because according to the provisions of the bank's health level if CAR> 12% then it is said to be "Very Healthy".
Pelatihan Packaging Product Pada UMKM Desa Mandalamekar, Kecamatan Cimenyan, Kabupaten Bandung, Jawa Barat Budiantoro, Harry; Anthonio, Dean Salomo; Santosa, Perdana Wahyu; Abshar, Muhammad; Lapae, Kanaya; Ningsih, Hestin Agus Tantri
PROGRESIF: Jurnal Pengabdian Komunitas Pendidikan Vol 3 No 2 (2023)
Publisher : Bagian Pengelolaan Jurnal dan Penerbitan - Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta (BPJP - STEI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36406/progresif.v3i2.1245

Abstract

Kegiatan pengabdian masyarakat ini bertujuan untuk memberikan pengetahuan dan keterampilan dalam membuat kemasan produk kepada pelaku usaha UMKM di Desa Mandalamekar, Kecamatan Cimenyan, Kabupaten Bandung, Jawa Barat guna adanya pengembangan daya kreativitas, pengembangan produk menentukan ciri khas produk dan membuat merk produk melalui pelatihan branding dan packaging. Metode pelaksanaan kegiatan mencakup pelatihan, sosialisasi dan pendampingan serta pendekatan fasilitas dan media yang terdiri dari penyampaian materi, diskusi, demonstrasi, praktek, dan pengamatan. Selain meningkatkan pengetahuan peserta tentang kemasan produk, mereka juga mampu menciptakan kemasan yang baru dan menarik. Hasil survei terhadap kemasan baru menunjukkan bahwa rata-rata responden menyukai kemasan baru dari peserta. Dengan kata lain, kemasan baru mampu menarik minat konsumen.
Pendampingan Pembuatan Laporan Keuangan UMKM Untuk Peningkatan Akses Modal Usaha Budiantoro, Harry; Santosa, Perdana Wahyu; Subing, Hesti Juni Tambuati; Zhafiraah, Nazma Riska; Ningsih, Hestin Agus Tantri
BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat Vol 6 No 2 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/berdaya.v6i2.1297

Abstract

MSME is an abbreviation for Micro, Small and Medium Enterprises. Basically, MSMEs mean businesses or businesses carried out by individuals, groups, small business entities, or households. Indonesia as a developing country makes MSMEs the main foundation of the community's economic sector, this is done to encourage the ability of independence to develop in society, especially in the economic sector. Therefore, competent Human Resources (HR) are needed to produce quality financial reports. This activity is carried out through outreach, training and assistance to MSME actors in Mandalamekar Village. Based on the PKM activities that have been carried out, there are participants who are able to understand 87% of the material. Apart from that, based on the practice of making Financial Reports and how to make Financial Reports and producing four financial reports, they were successfully arranged neatly according to wishes and were able to be presented using a laptop, not manually as before. Significant managerial implications, especially in terms of increasing access to business capital. The following are several managerial implications that can be identified: the mentoring process will help MSME owners and managerial staff to increase their understanding of financial management.
Pelatihan Pembuatan Proposal Usaha UMKM Untuk Karang Taruna Desa Mandala Mekar (TOT UMKM) Budiantoro, Harry; Sari, Imelda; Hasan, Nida Nadya; Ningsih, Hestin Agus Tantri; Oktavia, Dinda
BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/berdaya.v6i3.1298

Abstract

MSME is an abbreviation for Micro, Small and Medium Enterprises. Basically, MSMEs are the meaning of enterprises or businesses carried out by individuals, groups, small business entities, or households. Indonesia as a developing country makes MSMEs the main foundation of the community's economic sector, this is done to encourage the ability of independence to develop in society, especially in the economic sector. Therefore, competent Human Resources (HR) are needed to produce quality financial reports. This activity is carried out through outreach, training and mentoring to MSMEs and youth organizations in Mandalamekar Village. Based on the PKM activities that have been carried out, there are participants who are able to understand 87% of the material. Apart from that, based on the practice of making business proposals, four financial reports were successfully prepared according to wishes and were able to be presented using a laptop, not manually as before. Significant managerial implications, especially in terms of increasing access to business capital. The following are several managerial implications that can be identified: the mentoring process will help MSME owners and managerial staff to increase their understanding of making business proposals properly and correctly.
Co-Authors Abshar, Muhammad Anthonio, Dean Salomo Budiantoro, Harry Gunawan, Andri Hasan, Nida Nadya Imelda Sari Kinanti, Sekar Lapae, Kanaya Nurjanah, Feby Oktavia, Dinda Perdana Wahyu Santosa Subing, Hesti Juni Tambuati Zhafiraah, Nazma Riska