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All Journal Laa Maisyir Jurnal Ekonomi Islam Jurnal Ilmiah Ekonomi Islam EKSPANSI al-Uqud : Journal of Islamic Economics Jurnal Kajian Peradaban Islam JURNAL EKONOMI SYARIAH Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Coopetition : Jurnal Ilmiah Manajemen Jurnal Kajian Peradaban Islam Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Management Analysis Journal
Al Adawiyah, Rumaisah Azizah
Universitas Pendidikan Indonesia
Religion Economics, Econometrics & Finance Education Social Sciences Other

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Journal : EKSPANSI

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Pengaruh Risiko Pembiayaan Akad Murabahah, Musyarakah, dan Mudharabah terhadap Profitabilitas BPRS di Indonesia Tahun 2011-2019 Silvia Isfiyanti; Rozmita Dewi Yuniarti; Rumaisah Azizah Al Adawiyah
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 12 No 1 (2020): Jurnal Ekspansi Mei 2020
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v12i1.1926

Abstract

Profitability is the ability of the company to generate profits to determine the company's financial performance. The development of Non Performing Financing at BPRS is in high ratio, besides that the development of Return on Assets fluctuates but tends to decline. This indicates the existence of problems faced by BPRS in maximizing the profit to be obtained. This study aims to determine the effect of Murabahah financing (NPF), Musyarakah financing (NPF), and Mudharabah financing (NPF) risks on BPRS Return on Assets (ROA) in Indonesia in 2011-2019. The research method that used is a quantitative method using multiple linear regression analysis. The results showed that the financing risk (NPF) of the Murabahah, Musyarakah, and Mudharabah effect on ROA. Partially, the risk of Murabahah financing results on it has a significant effect on ROA in a negative direction, while the risk of Musyarakah financing has no significant effect on ROA in a positive direction, besides the risk of Mudharabah financing has a significant and significant effect on ROA in a positive direction. The findings of this study produce implications whether the financing risk on the Murabahah, Musyarakah, and Mudharabah financing increases, the Return on Assets will decrease, and if it lefts unchecked will affect the financial performance of the company and the market share of Islamic banking.
ANALISIS DETERMINAN PEMBIAYAAN BERMASALAH PADA BANK UMUM SYARIAH DI ASIA TENGGARA Juliana Juliana; Risna Febriyanti; Rumaisah Azizah al-Adawiyah; Ropi Marlina; Dadan Hamdani
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 14 No 1 (2022)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v14i1.3672

Abstract

Purpose -The purpose of this study is to examine the differences in non-performing financing and the factors that influence it in Islamic commercial banks in Southeast Asia, which include Islamic banks in Indonesia, Malaysia and Brunei Darussalam. Design / Methodology / Approach - The research method used is a comparative and verification method using panel data regression analysis using Eviews 9 software and SPSS. Findings - The results of the study indicate that the Return on Assets (ROA) variable has a negative and significant effect on non-performing financing, Operating Income Operating Expenses (BOPO) has no effect on non-performing financing, Gross Domestic Product (GDP) has a positive and significant effect and there are also differences in non-performing financing. in Islamic commercial banks in Southeast Asia. Practical Implications - Islamic commercial banks must consider various solutions and financing operations through analysis of both internal and external factors. For Islamic banks, it is very important to analyze through internal factors in order to avoid various problems caused by bank errors in financing distribution. In addition to internal factors, external factors can also affect non-performing financing. This external factor can be seen through the failure of the customer's business to do financing and also the unhealthy economic conditions. External factors are equally important to see the various behaviors that occur in customers. Originality / Value - This research is a research that is still rarely done because it not only examines the factors that affect non-performing financing but also looks at the differences in the non-performing financing of Islamic commercial banks in Southeast Asia, especially Indonesia, Malaysia, and Brunei Darussalam. Keywords: Non Performing Financing, Return on Assets, BOPO, Gross Domestic Product Paper Type: Research Paper
Co-Authors Adirestuty, Fitranty Atik Ul Mussanadah AZIZAH, ZAINAB Chazanah , Indah Nur Dadan Hamdani Dhidhin Noer Ady Rahmanto Egi Arvian Firmansyah Fakhry Hafiyyan Kurniawan Hardiansyah, Kiki Hilda Monoarfa Imas Nurani Islami Irsyad, Syaiful Muhammad Juliana Juliana Juliana Juliana Kanthi Pawening Tyas Manne, Firman Muhamad Wafa Rizaldi Nadzira Azzahra Nurasyiah, Aas Oroji, Ahamad Muhammad Qintar Alifah Ristiana Revinda, Relly Rida Rosida Ririn Tri Ratnasari Risma Risna Febriyanti Ropi Marlina Rozmita Dewi Yuniarti Rumaisha Silvia Isfiyanti Sugiharti, Eliana Siti Tia Yuliawati Tuti Umar, Abdurrauf Utami, Suci Aprilliani Wulandari, Neni Sri