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ANALYSIS OF FACTORS INFLUENCE IMPULSIVE BUYING Husnayetti, H; Sestri, Ellya; Novida, Irma
Muhammadiyah International Journal of Economics and Business Vol. 1, No.1, 2018
Publisher : Asosiasi Fakultas Ekonomi dan Bisnis Perguruan Tinggi Muhammadiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (375.261 KB)

Retail business is currently showing a rapid growth. Rapid retail development has a significantimpact on sales turnover which also increased significantly, in which one source of increase in salesturnover comes from unplanned purchases or better known as impulse buying. Impulse buying canoccur due to stimulus in the department stores, which is an external stimuli. This research focuses on the influence of external stimuli such as price, promotion and customer service to impulse buying customer at Block M Square. Purposive sampling is used for sampling techniques thattakes150 respondents and multiple linear regression analysis as data analysis techniques. Fromthe results of the research analysis found that the variables such as price, promotion and customerservice have simultaneously significant effect on customer decisions in impulsive purchase. Fromthe three independent variables: Price (X1), Promotion (X2) and Customer Service (X3), it can beconcluded that the independent variable consumer service (X3) has positive effect of 0.484 to thedependent variable impulse buying (Y), the independent variable promotion (X2) has a positiveinfluence of 0.331 to the dependent variable impulse buying (Y), the independent variable price(X1) has negative influence of 0.196 to the dependent variable impulse buying (Y). The variablethat has the greatest influence on impulse buying variable is positive customer service variable(X3). Related to the results of these studies, retailers should be able to improve the ability ofshopkeepers by providing them with more detailed knowledge relevant to the offered product.

PELATIHAN PENCEGAHAN WABAH PANDEMI COVID-19 DAN PEMBUATAN PENYITASI TANGAN YANG EKONOMIS Novida, Irma; Dahlan, Dede; Hudaa, Syihaabul
JMM (Jurnal Masyarakat Mandiri) Vol 4, No 2 (2020): JUNI
Publisher : Universitas Muhammadiyah Mataram

Abstrak: Kesadaran masyarakat akan bahaya wabah Covid-19 menjadi indikator penghambat penyebaran virus ini. Akan tetapi, tidak semua masyarakat mengetahui bahaya dari virus ini, sehingga mereka masih tidak mendengarkan imbauan dari pemerintah. Tulisan ini bertujuan untuk menjelaskan hasil pelatihan peningkatan kesadaran masyarakat dan upaya awal mencegah wabah Covid-19 dengan menggunakan media poster dan studi kasus yang pernah terjadi. Selain itu, dalam pelatihanÂ ini pembina berupaya menginformasikan pembuatan penyitasi tangan yang ekonomis, sehingga masyarakat dapat menggunakannya dalam kesehariannya. Pelatihan ini diadakan di Semanan Raya, Kalideres, Jakarta Barat. Wilayah ini dipilih dikarenakan pemukiman padat penduduk dan banyak perusahaan seperti: Rider, Orang Tua, Supreme Cable, Winner, Roti O, dll. Metode dalam pelatihan ini menggunakan tindakan langsung, sehingga mereka dapat menyimak dari gambar yang dipaparkan oleh pembina. Melalui pelatihan ini, mereka menyadari bahaya dari virus Covid-19 dan menyadari pentingnya budaya hidup sehat. Selain itu, peserta yang hadir sudah mampu membuat penyitasi tangan untuk meminimalisasi penyebaran virus.Abstract:Â Public awareness of the dangers of the Covid-19 outbreak became an indicator of inhibiting the spread of this virus. However, not all people know the dangers of this virus, so they still do not listen to the appeal from the government. This paper aims to explain the results of training to increase public awareness and initial efforts to prevent the Covid-19 outbreak by using poster media and case studies that have occurred. In addition, in this training the coach tried to inform the making of economical hand citation, so that the community could use it in their daily lives. This training was held in Semanan Raya, Kalideres, West Jakarta. This area was chosen because of its densely populated settlements and many companies such as: Rider, Parents, Supreme Cable, Winner, Roti O, etc. The method in this training uses direct action, so they can listen from the pictures presented by the coach. Through this training, they realized the dangers of the Covid-19 virus and realized the importance of a culture of healthy living. In addition, participants who were present were able to make hand sanitizer to minimize the spread of the virus.

Rasio Pembiayaan Bermasalah, Tingkat Kecukupan Modal, Dan Rasio Profitabilitas Di PT. Bank Muamalat Irma Novida
Liquidity: Jurnal Riset Akuntansi dan Manajemen Vol 5 No 1 (2016)
Publisher : Institut Teknologi dan Bisnis Ahmad Dahlan Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32546/lq.v5i1.63

In obtaining profit or banking profitability is not separated from the name of risk, because it cannot be denied that in fact the banking industry is an industry that is closely related to the risk, especially since it involves the management of public money and played in the form of investment activities, such as credit or financing. Financing is one form of business of the bank as an indicator in the assessment of the bank, for financing the assets which provide the largest portion of income for banks. Financing risks will have an impact on the smooth and banks ability to obtain profitability. In addition, many financial problems can lead to the erosion of bank capital that can be seen from the Capital Adequacy Ratio (CAR). The decrease of CAR certainly result in decreased ability of banks to channel financing, which in the end the bank to lose its ability to generate optimal profit. In addition, banks may have difficulties endangering its survival is characterized by decreasing capital, asset quality, liquidity and profitability as well as bank management is not carried out based on the precautionary principle and the principles of sound banking.

Analisis Penerapan Tax Planning atas Biaya Kesejahteraan Karyawan dan Dosen di Perguruan Tinggi STIE Ahmad Dahlan Jakarta Erion Erion; Irma Novida
Liquidity: Jurnal Riset Akuntansi dan Manajemen Vol 7 No 2 (2018)
Publisher : Institut Teknologi dan Bisnis Ahmad Dahlan Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32546/lq.v7i2.213

This study uses a comparative descriptive analysis by analyzing and processing the data of financial statements and fiscal reports. It aims to analyze the benefits of in this part you need to explain “how to analyze tax planning implementation which can minimize the company tax burden. Data types used are primary and secondary data. The resource of the data is compiled from finance and other related department. This research had been held in higher education “X”. The data collection was done by interviewing, documenting and doing library research. Based on the research result, it can make conclusion that the institution has implemented tax planning well, that is by maximizing deductible expenses of employee benefits to deduct the company gross income so that it can minimize company tax burden without violating any prevailing laws.

Menggali Potensi Pajak PPh Pasal 22 Bendaharawan Pada UPT Satuan Pendidikan 10 SMP Negeri Kota Tangerang Irma Novida; Erion Erion
Liquidity: Jurnal Riset Akuntansi dan Manajemen Vol 9 No 2 (2020): Liquidity
Publisher : Institut Teknologi dan Bisnis Ahmad Dahlan Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32546/lq.v9i2.656

Income tax is is collected by the government treasurer, including the treasurer of the central government, regional government, government agencies or institutions, and other state institutions, namely with regard to payment for the delivery of goods, including the understanding that the treasurer is is obliged as the cash holder and other officers carry out the same function. This study aims to study and analyze the process of collection and deduction, to find out how much and how to report the deduction of income tax at the Yunior Hight School institution in Tangerang for the year of 2017 and 2018. The results of this study can be concluded that the process of withholding and collecting tax income on the procurement of goods at a rate of 1.5% in accordance with tax regulations and the treasurer does not report the periodic report on the purchase of goods in 2017 to the local Tax Service Office (KPP). The institution withholding and collecting PPh Article 22 is appropriate based on Law Number 36 of 2008.

The Analysis of Financial Performance Factors of Sharia Banking on Profitability before and during the Covid-19 Pandemic in Indonesia Ayuningtiyas Ayuningtiyas; Irma Novida; Yeni Oktaviani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 2 (2022): Maret-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20222pp239-251

ABSTRAK Tujuan dari penelitian ini adalah untuk mengetahui faktor-faktor kinerja keuangan yang mempengaruhi profitabilitas perbankan syariah. Metode yang digunakan dalam penelitian ini adalah deskriptif komparatif dengan pendekatan kuantitatif. Pendekatan kuantitatif menggunakan model Artificial Neural Network (ANN) dan menggunakan uji Wilcoxon. Penelitian ini menghasilkan variabel kinerja keuangan yang mempengaruhi profitabilitas pada masa sebelum pandemi yaitu CAR dengan nilai importance 71,619%. Sedangkan FDR yang menghasilkan nilai importance 0,447% dan NPF dengan nilai importance 27,932% tidak mempengaruhi profitabilitas. Sedangkan pada saat pandemi COVID-19, variabel kinerja keuangan yang mempengaruhi profitabilitas adalah variabel CAR dengan nilai importance sebesar 64,47%. Begitu pula pada variabel FDR yang memiliki nilai importance 35,37% melebihi 33,33% yang berarti varibel FDR sangat mempengaruhi profitabilitas. Hasil perbandingan kinerja keuangan sebelum dan pada saat pandemi menunjukkan terdapat perbedaan ROA, CAR, FDR, dan NPF sebelum dan saat pandemi COVID-19. Kata Kunci: Bank Syariah, Kinerja Keuangan, Profitabilitas, Pandemi COVID-19. ABSTRACT The purpose of this study was to determine the factors of financial performance that affect the profitability of Islamic banking. The method used in this study is comparative descriptive with a quantitative approach. The quantitative approach uses the Artificial Neural Network (ANN) model and the Wilcoxon test. This study produces a financial performance variable that affects profitability in the pre-pandemic period, namely CAR with an importance value of 71.619%. While the FDR with an importance value of 0.447% and NPF with an importance value of 27.932% does not affect profitability. Meanwhile, during the COVID-19 pandemic, the financial performance variable that affects profitability is the CAR variable which produces an importance value of 64.47%. Likewise, the FDR variable which has an importance value of 35.37% exceeds 33.33%, which means that the FDR variable greatly affects profitability. The results of the comparison of financial performance before and during the pandemic show that there are differences in ROA, CAR, FDR, and NPF before and during the COVID-19 pandemic. Keywords: Islamic Banks, Financial Performance, Profitability, COVID-19 Pandemic. DAFTAR PUSTAKA Achsani, M. N. F. F., & Kassim, S. (2021). The determinants of credit risk under dual banking system: indonesian experience based on bank specific variables. Al-Muzara'ah, 9(2), 215-229. https://doi.org/10.29244/jam.9.2.215-229 Almutairi, H. A. (2022). Covid-19 and its impact on the financial performance of kuwaiti banks: A comparative study between conventional and Islamic banks. The Journal of Asian Finance, Economics and Business, 9(1), 249–257. https://doi.org/10.13106/jafeb.2022.vol9.no1.0249 Almonifi, Y. S. A., Rehman, S. U., & Gulzar, R. (2021). The covid-19 pandemic effect on the performance of the islamic banking sector in KSA: An empirical study of al rajhi bank. SSRN. http://dx.doi.org/10.2139/ssrn.3834859 Bagaskoro, M. N., & Imansyah, M. H. (2019). Pengaruh ekspor impor terhadap transaksi berjalan indonesia sebelum dan sesudah subprime mortgage. JIEP: Jurnal Ilmu Ekonomi dan Pembangunan, 2(2), 332-345. https://doi.org/10.20527/jiep.v2i2.1176 Bank Indonesia. (2020). Peraturan Bank Indonesia No. 22/6/PBI/2020 tentang perubahan kedua atas peraturan Bank Indonesia nomor 19/4/PBI/2017 tentang pinjaman likuiditas jangka pendek bagi bank umum syariah. Jakarta: Bank Indonesia. Retrieved from https://www.bi.go.id/id/publikasi/peraturan/Pages/PBI_221520.aspx. Culver, S. M. (2014). Effective higher education management through collaborative dual-degree programs. In S. Mukerji & P. Tripathi (Eds.), Handbook of research on transnational higher education (pp. 585-596). USA: IGI Global Csáji, B. C. (2001). Approximation with artificial neural networks. Unpublished master thesis. The Netherlands: Eindhoven University of Technology. Diah, A. (2021). Analisis kinerja perbankan syariah berdasarkan kegiatan usaha sebelum dan saat pandemi covid-19. Tesis tidak dipublikasikan. Purwokerto: UIN Prof. KH Saifuddin Zuhri Purwokerto. El-Chaarani, H., Ismail, T. H., El-Abiad, Z., & El-Deeb, M.S. (2022). The impact of covid-19 on financial structure and performance of Islamic banks: A comparative study with conventional banks in the GCC countries. Journal of Economic and Administrative Sciences, Vol. ahead-of-print(No. ahead-of-print). https://doi.org/10.1108/JEAS-07-2021-0138 Fakhri, U. N., Anwar, S., Ismal, R., & Ascarya, A. (2019). Comparison and predicting financial performance of islamic and conventional banks in Indonesia to achieve growth sustainability. Al-Uqud: Journal of Islamic Economics, 3(2), 174-187. https://doi.org/10.26740/al-uqud.v3n2.p174-187 Fakhri, U. N., & Darmawan, A. (2021). Comparison of Islamic and conventional banking financial performance during the covid-19 period. International Journal of Islamic Economics and Finance (IJIEF), 4(SI), 19-40. https://doi.org/10.18196/ijief.v4i0.10080 Fakhri, U. N., Anwar, S., & Ismal, R. (2019). Comparison of sharia and conventional banking bankruptcy rates in Indonesia. Tazkia Islamic Finance and Business Review, 13(2), 125-141. https://doi.org/10.30993/tifbr.v13i2.193 Farild, M., Bachtiar, F., Wahyudi, W., & Jannah, R. (2021). Analisis kinerja keuangan PT. BNI syariah tbk sebelum dan pada saat pandemi covid-19. Assets: Jurnal Ekonomi, Manajemen dan Akuntansi, 1(1), 88-95. Fatihudin, D., & Muchklas, M. (2018). How measuring financial performance. 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Raja Grafindo Perkasa. Mujaddid, F., & Wulandari, S. (2017). Analisis faktor internal dan eksternal terhadap rentabilitas bank syariah di Indonesia. Jurnal Ekonomi Islam, 8(2), 202-218. Olivia, S., Gibson, J., & Nasrudin, R. A. (2020). Indonesia in the time of covid-19. Bulletin of Indonesian Economic Studies, 56(2), 143-174. https://doi.org/10.1080/00074918.2020.1798581 Otoritas Jasa Keuangan. (2011). Statistik perbankan syariah. Retrieved from https://www.ojk.go.id/id/kanal/syariah/data-dan-statistik/statistik-perbankan-syariah/Default.aspx. Otoritas Jasa Keuangan. (2016). POJK tentang kegiatan usaha dan jaringan kantor berdasarkan modal inti bank. Retrieved from https://www.ojk.go.id/id/kanal/perbankan/regulasi/peraturan-ojk/Documents/Pages/pojk-kegiatan-usaha-dan-jaringan-kantor-berdasarkan-modal-inti-bank/SALINAN-POJK.6%20BUKU.pdf. Otoritas Jasa Keuangan. (2019). Undang-Undang nomor 21 tahun 2008 tentang perbankan syariah. 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TIJAB (The International Journal of Applied Business), 2(1), 29-38. http://dx.doi.org/10.20473/tijab.V2.I1.2018.29-38 Rois, A. K., & Sugianto, D. (2021). Kekuatan perbankan syariah di masa krisis. Musyarakah: Journal of Sharia Economic (MJSE), 1(1), 1-8. Saputri, O., & Hannase, M. (2021). Pengaruh indikator makroekonomi terhadap kinerja keuangan bank umum syariah pada masa pandemi covid-19. Jurnal Tabarru': Islamic Banking and Finance, 4(1), 139-151. https://doi.org/10.25299/jtb.2021.vol4(1).6590 Somantri, Y. F., & Sukmana, W. (2019). Analisis faktor-faktor yang mempengaruhi financing to deposit ratio (FDR) pada bank umum syariah di Indonesia. Berkala Akuntansi dan Keuangan Indonesia, 4(2), 61-71. http://dx.doi.org/10.20473/baki.v4i2.18404 Supriadi, H. (2016). Metode penelitian untuk bisnis dan sosial. Yogyakarta: CV Budi Utama Vochozka, M., Horák, J., & Šuleř, P. (2019). Equalizing seasonal time series using artificial neural networks in predicting the Euro–Yuan exchange rate. 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PENULISAN KREATIF UNTUK MENINGKATKAN PENJUALAN PRODUK DEKORASI RUMAH DALAM ERA DIGITAL (STRATEGI PEMASARAN DARING) Irma Novida; Syihaabul Hudaa; Yumniati Agustina
JMM (Jurnal Masyarakat Mandiri) Vol. 2, No. 2: Desember 2018
Publisher : Universitas Muhammadiyah Mataram

Abstrak: Produk dekorasi rumah umumnya hanya dijual secara langsung di toko atau di sentra khusus dekorasi rumah. Akan tetapi, hal tersebut berdampak pada penurunan nilai penjualan, karena produk ini bukanlah barang konsumsi yang dibutuhkan setiap harinya. Salah satu agen transisi penjualan berbasis daring yang dikaji oleh abdimas adalah Asna Home. Asna Home merupakan salah satu toko yang menjual produk berbasis daring dengan mengoptimalisasikan media seperti Instagram. Tujuan penulisan artikel ini untuk mengkaji penjualan produk dekorasi rumah menggunakan sistem daring. Abdimas menilai keefektivitasan penjualan menggunakan sistem daring dengan menggunakan metode survei dan wawancara kepada pemilik Asna Home Decor. Melalui metode survei dan wawancara, abdimas memeroleh data secara objektif, kemudian akan dianalisis peningkatannya dari penjualan secara langsung dengan menggunakan sistem daring. Kegiatan ini nantinya dapat ditinjau dan diaplikasikan untuk produk lainnya dengan tujuan yang serupa, yaitu meningkatkan penjualan produk nonkomsumsi yang terkadang memerlukan waktu yang lama untuk laku terjual. Menggunakan strategi penjualan daring, produk Asna Home Decor mengalami peningkatan penjualan yang signifikan sebesar 30% dari tahun sebelumnya.Abstract: Home Decoration products are generally only sold directly in stores or in special Home Decoration centers. However, this has an impact on the decline in sales value, because this product is not a consumer item that is needed every day. One of the online-based sales transition agents reviewed by researchers is Asna Home. Asna Home is one of the stores that sell online-based products by optimizing media such as Instagram. The purpose of writing this article is to examine the sales of Home Decorating products using an online system. The researcher assessed the effectiveness of sales using the online system using survey and interview methods to the owner of Asna Home Decor. Through survey and interview methods, researchers obtain data objectively, then the increase will be analyzed directly from sales using an online system. This research can later be reviewed and applied to other products with a similar goal, namely to increase sales of non-consumption products, which sometimes require a long time to sell. Using an online sales strategy, Asna Home Decor products experienced a significant sales increase of 30% from the previous year

PELATIHAN PENGGUNAAN MEDIA POP-UP UNTUK MENGIMPLEMENTASIKAN NILAI RELIGIOSITAS KEPADA GURU TPA Syihaabul Hudaa; Yumniati Agustina; Irma Novida; Ahmad Bahtiar
JMM (Jurnal Masyarakat Mandiri) Vol 5, No 1 (2021): Februari
Publisher : Universitas Muhammadiyah Mataram

Abstrak: Guru-guru TPA dalam era modern cenderung mengajarkan nilai-nilai religiositas melalui pembelajaran agama, mengaji, dan ceramah. Akan tetapi, hal tersebut justru membuat siswa merasakan bosan dan tidak dapat menyimak dengan baik. Melalui pelatihan ini, pembina bertujuan mengajarkan kepada guru TPA membentuk suatu media yang kreatif yang di dalamnya terimplementasi nilai-nilai religiositas melalui model pop-up yang digunakan. Pengajaran menggunakan pop-up terlebih dahulu disesuaikan dengan rencana pembelajaran guru di TPA. Kemudian, dari rencana pembelajaran tersebut guru diajarkan cara membuat bahan ajar menggunakan pop-up. Pembina mengundang narasumber yang berkompetensi membuat pop-up standar dengan memanfaatkan media seperti Google, YouTube, dan mesin pencarian lainnya. Tujuannya untuk memberikan inspirasi kepada guru dalam membuat bahan ajar yang menarik berbasis pop-up dan di dalammnya terdapat nilai religiositas. Hasil pengabdian yang dilakukan oleh pembina didapatkan bahwa guru TPA mampu meningkatkan kompetensinya dalam membuat bahan ajar berbasis media kreatif dengan pop-up yang di dalamnya terimplementasi nilai religiositas.Abstract: TPA teachers in the modern era tend to teach the values of religiosity through religious learning, the Koran, and lectures. However, this actually makes students feel bored and unable to listen well. Through this training, the coach aims to teach TPA teachers to form a creative media in which the values of religiosity are implemented through themodel pop-up used. Teaching using pop-ups is adjusted to the teacher's lesson plan at the TPA. Then, from the lesson plan the teacher is taught how to make teaching materials using pop-ups. The coach invites competent speakers to create pop-ups standardusing media such as Google, YouTube, and other search engines. The aim is to inspire teachers in making interesting teaching materials based on pop-ups and in which there is a value of religiosity. The results of the dedication carried out by the supervisor found that TPA teachers were able to increase their competence in making teaching materials based on creative media with pop-ups in which the value of religiosity was implemented.

PENULISAN KREATIF UNTUK MENINGKATKAN PENJUALAN PRODUK DEKORASI RUMAH DALAM ERA DIGITAL (STRATEGI PEMASARAN DARING) Irma Novida; Syihaabul Hudaa; Yumniati Agustina
JCES (Journal of Character Education Society) Vol 2, No 2 (2019): Juli
Publisher : Universitas Muhammadiyah Mataram

Abstrak: Produk dekorasi rumah umumnya hanya dijual secara langsung di toko atau di sentra khusus dekorasi rumah. Akan tetapi, hal tersebut berdampak pada penurunan nilai penjualan, karena produk ini bukanlah barang konsumsi yang dibutuhkan setiap harinya. Salah satu agen transisi penjualan berbasis daring yang dikaji oleh peneliti adalah Asna Home. Asna Home merupakan salah satu toko yang menjual produk berbasis daring dengan mengoptimalisasikan media seperti Instagram. Tujuan penulisan artikel ini untuk mengkaji penjualan produk dekorasi rumah menggunakan sistem daring. Peneliti menilai keefektivitasan penjualan menggunakan sistem daring dengan menggunakan metode survei dan wawancara kepada pemilik Asna Home Decor. Melalui metode survei dan wawancara, peneliti memeroleh data secara objektif, kemudian akan dianalisis peningkatannya dari penjualan secara langsung dengan menggunakan sistem daring. Penelitian ini nantinya dapat ditinjau dan diaplikasikan untuk produk lainnya dengan tujuan yang serupa, yaitu meningkatkan penjualan produk nonkomsumsi yang terkadang memerlukan waktu yang lama untuk laku terjual. Menggunakan strategi penjualan daring, produk Asna Home Decor mengalami peningkatan penjualan yang signifikan sebesar 30% dari tahun sebelumnya. Abstract: Home decoration products are generally only sold directly in stores or in special home decoration centers. However, this has an impact on the decline in sales value, because this product is not a consumer item that is needed every day. One of the online-based sales transition agents reviewed by researchers is Asna Home. Asna Home is one of the stores that sell online-based products by optimizing media such as Instagram. The purpose of writing this article is to examine the sales of home decorating products using an online system. The researcher assessed the effectiveness of sales using the online system using survey and interview methods to the owner of Asna Home Decor. Through survey and interview methods, researchers obtain data objectively, then the increase will be analyzed directly from sales using an online system. This research can later be reviewed and applied to other products with a similar goal, namely to increase sales of non-consumption products, which sometimes require a long time to sell. Using an online sales strategy, Asna Home Decor products experienced a significant sales increase of 30% from the previous year.

Analisis Tingkat Kesehatan BMT Berdasarkan Pedoman Penilaian Tingkat Kesehatan KJKS dan GCG pada BMT Muhammadiyah Se-Jabotabek Annasy Al Muhlish; Yeni Oktaviani; Irma Novida
Al-bank: Journal of Islamic Banking and Finance Vol 1, No 1 (2021): January - June 2021
Publisher : IAIN Batusangkar

Tujuan Penelitian ini adalah untuk menganalisis tingkat kesehatan BMT Muhammadiyah Se-JABOTABEK berdasarkan pedoman penilaian KJKS dan GCG. Metode penelitian menggunakan analisis kuantitatif deskripsi dengan sumber data laporan keuangan BMT yang diambil langsung menggunakan data primer teknik pengumpulan data yang dilakukan dengan cara mengumpulkan data laporan keuangan pada periode 2016 sampai dengan 2019 yang kemudian data tersebut dianalisis apakah laporan keuangan BMT sehat dan layak untuk beroperasi. teknik analisis data menggunakan pedoman penilaian tingkat kesehatan Koperasi Jasa Keuangan Syariah (KJKS) dan Good Corporate Governance. Hasil daripada analisi yang dilakukan bahwa BMT Muhammadiyah menerapkan penilaian tingkat kesehatan KJKS untuk mengetahui kesehatan dan kelayakan pada BMT UMJ, BMT Khairu Ummah dan BMT BiMU.

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