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This Author published in this journals
All Journal Al-bank: Journal of Islamic Banking and Finance Journal of Islamic Economic and Law (JIEL)
Muhammad Apis Daulay
Sekolah Tinggi Agama Islam Nurul Falah Airmolek
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Strategi Daya Saing Untuk Meningkatkan Omset Penjualan Umkm Warung Sembako Mak De Dalam Perspektif Ekonomi Syari’ah Shella Perdana Putri; Muhammad Apis Daulay; Taufik Hidayat
Journal of Islamic Economic and Law (JIEL) Vol. 2 No. 2 (2025): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v2i2.1947

Abstract

Warung Sembako Mak De experienced a decline in turnover due to competition, less strategic location, and conventional marketing strategies, so it needs to be analyzed from a sharia economic perspective. This study aims to analyze the competitiveness strategy in increasing the sales turnover of the Mak De Grocery Store UMKM in Sungai Pasir Putih Village, Kelayang District, Indragiri Hulu Regency, from a sharia economic perspective. This study was motivated by a significant decline in sales turnover in recent years, which was caused by the increasing number of competitors, less strategic business locations, and less than optimal implementation of marketing strategies and business management. The research method used was descriptive qualitative with data collection techniques through in-depth interviews, observation, and documentation. The subjects of the study were the owners of the Mak De grocery store. Data analysis was carried out using the Miles and Huberman interactive model, which includes data reduction, data presentation, and drawing conclusions. The results of the study showed that the competitiveness strategy applied was still limited to conventional services, competitive prices, and word of mouth promotion. There has been no significant use of digital technology or product innovation. Sales turnover tends to decrease from year to year. However, business actors have tried to apply sharia economic principles such as honesty, trustworthiness, and seeking blessings in business. This study recommends the need for innovation in marketing strategies, the use of simple technology, and the strengthening of Islamic economic principles more comprehensively so that UMKM can develop sustainably.
Determinants of Return on Equity in Sharia Bank in Indonesia Muhammad Apis Daulay; Desmi Satriana; Misnen Ardiansyah
Al-bank: Journal of Islamic Banking and Finance Vol. 5 No. 2 (2025): July - Desember 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i2.15812

Abstract

This study examines the influence of several financial indicators Firm Size, BOPO, NOM, DER, FDR, DPK, NPF, and CAR on Return on Equity (ROE) in Indonesian Sharia Banks from 2013 to 2022. Using a quantitative approach with secondary data sourced from the Financial Services Authority (FSA) and banks’ annual reports, the study employed panel data regression with model selection among Common Effect Model (CEM), Fixed Effect Model (FEM), and Random Effect Model (REM). The REM was identified as the most suitable model. The results reveal that NOM and DPK have a positive and significant impact on ROE, while BOPO, DER, and NPF negatively and significantly affect ROE. These findings offer insights into optimizing financial strategies in Islamic banking in Indonesia
Co-Authors Desmi Satriana Misnen Ardiansyah Shella Perdana Putri Taufik Hidayat