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Pengaruh Inflasi, BI Rate dan Nilai Tukar Mata Uang Asing Terhadap Profitabilitas Bank Syariah Indonesia Husen, Muhammad Saddam; Fahlevi, Rizal
At-Tamwil: Journal of Islamic Economics and Finance Vol 3 No 2 (2024): At-Tamwil: Journal of Islamic Economic and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v3i2.10144

Abstract

This researchs aims to analyze the ef ect of Inflation, BI Rate and Foreign Exchange Rates on the Profitability (ROA) of Bank Syariah Indonesia in. The sample in this study was taken based on the monthly financial statements of Bank Syariah Indonesia. In this study using quantitative methods and tested based on normality test, multicollinearity test, heteroscedasticity test and autocorrelation test, it can be stated that the research data meet the classical assumptions. The results of the study partially show that the inflation variable and the BI Rate have a positive but not significant ef ect on profitability at Bank Syariah Indonesia. Meanwhile, the foreign currency exchange rate variable has a positive and significant ef ect on profitability at Syariah Mandiri banks. This coef icient of determination states that the magnitude of the influence of inflation, BI Rate and foreign currency exchange rates is 37.0% and the rest is influenced by other variables of 63, 0% which is not in the regression model of this study.
Analisis Kesesuaian Fatwa DSN NO:47/DSN-MUI/II/2005 Pada Penyelesaian Pembiayaan Bermasalah Dengan Akad Murahabah Budiman, Bayu; Fahlevi, Rizal
At-Tamwil: Journal of Islamic Economics and Finance Vol 4 No 1 (2025): At-Tamwil: Journal of Islamic Economic and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v4i1.11348

Abstract

Problematic financing is one of the major risks faced by Islamic banking institutions. Commonly referred to as non-performing financing, this issue can significantly affect the financial stability and operational performance of the institution. This study aims to identify the factors contributing to problematic financing and to analyze the resolution steps undertaken in murabahah contracts at BNI Syariah KCP Jababeka. The research adopts a qualitative approach using descriptive methods. Data were collected through observation, interviews, and documentation, and analyzed using data reduction, data presentation, and verification techniques. Prior to resolving the problematic financing, the bank first identifies the underlying factors and assesses the customer's collectability status. The bank then implements a series of recovery measures through the R3 process: rescheduling, reconditioning, and restructuring. In the final stage, if collateral execution is deemed necessary, BNI Syariah KCP Jababeka proceeds according to the guidelines outlined in the National Sharia Board Fatwa No. 47/DSN-MUI/II/2005, particularly from the first to the fourth provisions of the fatwa. The findings indicate that the handling of problematic financing at BNI Syariah KCP Jababeka is carried out in a systematic manner and aliĀ  gns with sharia principles. These resolution strategies are expected to serve as a reference for other Islamic financial institutions in managing financing risk more effectively and in compliance with sharia law.