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Journal : At-Taqaddum

Analisis Pengaruh CAR, NPF, FDR, BOPO dan Inflasi terhadap Profitabilitas Perbankan Syariah di Indonesia: Studi Masa Pandemi Covid-19 Wahyudi, Rofiul
At-Taqaddum Vol 12, No 1 (2020)
Publisher : Quality Assurance Institute (LPM) State Islamic University Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/at.v12i1.6093

Abstract

Corona Virus Desease 19 (Covid-19) is a pandemic that has spread to almost all countries, including Indonesia. As a result, impacts to various types of sectors are not only health, but also the banking system. The purpose of this study to analyze the CAR, NPF, FDR, ROA and inflation on the profitability of Islamic banking days of the pandemic Covid-19. This research method is quantitative descriptive using secondary data for the first quarter of 2020 obtained from the official pages of each bank and inflation data from the Central Statistics Agency (BPS) page. Purposive sampling selected in this study were that the total sample of 11 Islamic Banks. Statistical test results show simultaneously CAR, FDR, NPF, BOPO and Inflation have an impact on ROA even during the Covid-19 pandemic. This finding has practical implications for customers that make it possible to continue using Islamic banking services.
The Role of the Service Office in Managing Zakat, Infaq, and Sadaqah Funds, at LAZISMU Jember Bashori, Dhofir Catur; Wahyudi, Rofiul
At-Taqaddum Vol. 16 No. 1 (2024): At-Taqaddum
Publisher : Quality Assurance Institute (LPM) State Islamic University Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/at.v16i1.16452

Abstract

This study aims to examine the management and role of the LAZISMU Service Office in increasing the raising of Zakat, Infaq, Waqf, and Sadaqah (ZISWAF) funds at LAZISMU Jember Region. This research is a field research, with data collection methods used through interviews, observation and documentation. The data obtained were analyzed using descriptive analysis methods to describe the results of the study. The position of the LAZISMU Service Office is the same as the Zakat Collection Unit (UPZ) which has an important role in managing ZISWAF funds. This LAZISMU Service Office is in direct contact with the Amil Zakat to the mustahiq. Currently the number of LAZISMU Service Offices formed by LAZISMU Jember Region is 11 (eleven) Service Offices spread across the Branch. Referring to Law Number 23 of 2011 concerning Management of Zakat Article 1 paragraph 9, the functions and duties of the LAZISMU Service Office are to collect, distribute and utilize zakat. However, in practice several LAZISMU Jember Service Offices have not run optimally in managing these zakat funds. The influencing factors are; First, the lack of human resources in the LAZISMU Service Office. Second, the lack of public awareness to pay zakat through Amil Zakat Institutions. Third, there is still a lack of knowledge of the Service Office administrators regarding the management of zakat. Fourth, the lack of guidance from LAZISMU Jember Region to the Service Office administrators. So that this greatly influences the role and contribution of the LAZISMU Service Office to the raising of ZISWAF funds at LAZISMU Jember Region. Suggestions given by this study is the need of intensive guidance for zakat managers in the Service Office by LAZISMU Jember Region. It is hoped that with the guidance for Service Office administrators they can improve their ability to manage and ZISWAF, so as to be able to optimize the potential of existing zakat, especially in Jember Regency
Analysis of the Return and Risk of Investment in Insurance Companies Listed on the Indonesia Stock Exchange Robbyah, Aizzah Sifaur; Mubarok, Ferry Khusnul; El Junusi, Rahman; Wahyudi, Rofiul
At-Taqaddum Vol. 13 No. 1 (2021)
Publisher : Quality Assurance Institute (LPM) State Islamic University Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/at.v13i1.8949

Abstract

The return and risk of stock investment have a high level of volatility because it depends on fundamental and technical conditions and the influence of micro and macro variables. This study aims to determine the risk and return on investment in insurance companies and analyze the effect of macroeconomic variables on the level of risk and return on investment in insurance companies. The sampling technique used was purposive sampling.  Data analysis shows that for three years, Asuransi Jasa Tania Tbk has the highest level of conclusion, which is 22.3%, and Asuransi Harta Aman Pratama Tbk. has the lowest rate of -3.3%. For three years, the value of Gross Domestic Product has increased successively so that this will cause a stock return that is proportional to the level of risk that will be faced. Changes in the inflation rate up and down for three consecutive years have a different effect every year where when the inflation rate decreases, the rate of return on investment will be high. In addition, the interest rate decreased from 4.75% in 2016 to 4.25% in 2017. Then it increased to 6.00% in 2018. The Rupiah exchange rate against the dollar is getting weaker, indicating an increase in the exchange rate. Every year from 2016 to 2018. When the rupiah exchange rate weakens, people will choose to invest in foreign currencies because the value of these foreign currencies can determine the size of the risk of a business.
The Performance of Indonesian Islamic Rural Banks During Covid-19 Satyarini, Julia Noermawati Eka; Wahyudi, Rofiul; Putri, Shah Amelia Manggala; Tusyani, Mia Rizka
At-Taqaddum Vol. 14 No. 1 (2022)
Publisher : Quality Assurance Institute (LPM) State Islamic University Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/at.v14i1.16392

Abstract

The Covid-19 pandemic caused turbulence in all sectors, including Islamic Rural Banks. The financial performance of Islamic Rural Banks has come under pressure due to the decline in SMEs financing quality. Therefore, this study aims to analyze the financial performance of Indonesian Islamic rural banks during the Covid-19. This research method uses a descriptive quantitative approach with secondary data in financial statements from 165 Islamic Rural Banks in Indonesia as a population and sample. Data analysis techniques use descriptive statistics to reveal the performance of Islamic Rural Banks during the Covid-19 pandemic for the January-December 2020 period, which includes Productive Asset Quality, Non- Performing Financing, Return on Assets, BOPO, Financing to Deposit Ratio, and Cash Ratio. The findings of this study show that most Islamic rural banks have experienced a decline in financial performance. The implication is that Islamic rural banks must strengthen risk management to deal with the possibility of similar or other pandemics in the future.