This research aims to analysis the influence of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), and Operational Costs and Operating Income (BOPO) on Return On Assets (ROA) that represent the Profitability of Sharia Commercial Banks between the period 2016 to 2020. The method of analysis was employed VECM (Vector Error Correction Model). The results of data analysis show that in the short-term estimation only the Capital Adequacy Ratio and Non-Performing Financing variables significantly affect the ROA of Sharia Banks. On the other hand, other independent variables such as Financing to Deposit Ratio and operating expenses operating income do not significantly affect the ROA of Sharia banks. The results of the longterm estimation of the CAR, NPF, and BOPO variables have a significant effect on the ROA of Sharia commercial banks, and only the FDR variable does not show a significant influence on the ROA of Sharia commercial banks. Furthermore, in the results of the Impulse Response Function in Islamic commercial banks, profitability represented by ROA responds to shocks from the CAR, FDR, NPF, and BOPO variables positively and the Variance Decomposition results in the observation period show that the more dominant in the first period is the ROA variable itself which affect the development of ROA and in the next period is influenced by variations in the dependent variable and other independent variables.
Melonjaknya harga bahan bakar minyak (BBM) di Indonesia disebabkan kelangkaan minyak di dunia serta harga minyak mentah yang semakin tinggi pada tahun 2011. Kenaikan harga BBM memiliki multiplier effect pada seluruh sektor perekonomian, mulai dari transportasi, biaya produksi sampai dengan inflasi. Penelitian bertujuan untuk mengetahui Peranan Pemerintah terhadap Intervensi Pasar dalam Perspektif Islam dalam kasus kenaikan harga BBM di Indonesia, melalui pendekatan kualitatif, dengan metode studi kasus dan dokumenter. Dalam kasus ini, pemerintah Republik Indonesia melakukan intervensi dengan menetapkan harga beberapa komoditas BBM seperti solar, premium dan pertalite. Peran pemerintah dalam intervensi harga kenaikan BBM diperbolehkan dalam perspektif Islam, selama bertujuan untuk meningkatkan kemaslahatan masyarakat dan melindungi kepentingan rakyat, seperti mengurangi ketimpangan.
The purpose of this study is to determine the economic impact of the productive zakat infaq sodaqoh (ZIS) movement based on indigenous wisdom and the use of "coin cans" on the residents of Simping Village, Malang Regency. The Zakat Collector Network (JPZIS) carried out the program campaign for ZIS in Simping Village, Malang Regency. It is one of the local non-profit organizations under the guidance of Lazis NU which accommodates the receipt, management, and distribution of zakat and infaq for the local community with the program "coin cans." This study used a quantitative descriptive method through allocation to collection ratio (ACR) and a logit test. This study uses data from the financial statements of the JPZIS Simping Village, Malang Regency, and the people who have received this program. The results showed that the productive ZIS movement program "coin cans" using the ACR method effectively distributes it. Additionally, the logit test indicates that distribution effectiveness has a positive and significant effect on recipients' income, consumption, and education. The community primarily uses the effect of this income to cover basic daily expenses and school tuition. On the basis of the foregoing analysis, it can be concluded that the ZIS movement is based on indigenous wisdom. If managed professionally and effectively, many regions can use it to boost their local economies.
Abstrak: Pada masa sekarang ini pariwisata perlu memanfaatkan media digital dalam melakukan pemasarannya supaya jangkauan wisatawannya lebih luas hingga mancanegara. Pariwisata yang terlibat dalam media digital dapat menikmati keuntungan bisnis secara istimewa, baik dari segi pendapatan, inovasi, daya saing, serta kesempatan kerja. Akan tetapi, masih banyak pariwisata yang belum memanfaatkan teknologi melalui media digital dan belum memahami besarnya manfaat yang didapatkan dari peranan penggunaan media digital. Media yang sering digunakan dalam digital marketing salah satunya adalah media sosial. Dalam hal ini media sosial yang digunakan adalah Instagram dan Tiktok. Tujuan kegiatan pengabdian masyarakat ini untuk menerapkan digital marketing agar sistem pemasaran wisata Kedok Ombo di desa kegiatan. Gunungrejo menjadi lebih baik sehingga dapat mengoptimalkan pemasaran wisata Kedok Ombo di desa Gunungrejo serta mengedukasi tata cara penggunaan dan pengolahan media sosial kepada BUMDes dan Karang Taruna. Kegiatan pengabdian ini dilakukan dengan teknik sosialisasi, pelatihan, dan pendampingan. Hasil yang didapatkan dari penelitian ini yakni BUMDes dan Karang Taruna memiliki keterampilan yang lebih baik dalam mengolah media sosial. Abstract: At this time tourism needs to use digital media in marketing so that the reach of tourists is wider to foreign countries. Tourism involved in digital media can enjoy special business advantages, both in terms of income, innovation, competitiveness, and job opportunities. However, there are still many tourists who have not utilized technology through digital media and do not understand the magnitude of the benefits derived from the role of using digital media. One of the media that is often used in digital marketing is social media. In this case, the social media used are Instagram and Tiktok. The purpose of this community service activity is to implement digital marketing so that the Kedok Ombo tourism marketing system in the activity village. Gunungrejo is getting better so that it can optimize the marketing of Kedok Ombo tourism in Gunungrejo village and educate the procedures for using and processing social media to BUMDes and Karang Taruna. This service activity is carried out with socialization, training, and mentoring techniques. The results obtained from this study are that BUMDes and Karang Taruna have better skills in processing social media.
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