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All Journal Islam Futura Studia Economica: Jurnal Ekonomi Islam Jurnal Ilmiah Peuradeun JEM: JURNAL EKONOMI DAN MANAJEMEN Islam Universalia : International Journal of Islamic Studies and Social Sciences Ihtiyath : Jurnal Manajemen Keuangan Syariah AT-TASYRI' Jurnal Ilmiah Prodi Muamalah JIHBIZ :Global Journal of Islamic Banking and Finance. Jurnal Investasi Islam Prosiding Seminar Nasional Universitas Serambi Mekkah Mutanaqishah: Journal of Islamic Banking Jurnal Perbankan Syariah Darussalam (JPSDa) Maqrizi : Journal of Economics and Islamic Economics EKOBIS SYARIAH Jurnal Akuntansi Syariah Jurnal Pengabdian Masyarakat ISEI
Muksal Muksal
Universitas Islam Negeri Ar-Raniry Banda Aceh
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The Role of Government in Illegal Fishing Prevention to Increase Fishermen's Economic Welfare in Aceh Province Wahyuddin, Wahyuddin; Muksal, Muksal; Nirzalin, Nirzalin; Zulfikar, Zulfikar
Jurnal Ilmiah Peuradeun Vol. 7 No. 2 (2019): Jurnal Ilmiah Peuradeun
Publisher : SCAD Independent

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26811/peuradeun.v7i2.189

Abstract

This research was conducted in order to assist the government to develop strategies and programs of poverty among fishermen in Aceh province. Aceh certainly has huge marine and fishery potentials, but the problem of fisherman poverty is still a major factor in the value of national poverty. The population of this research was fishermen in Nagan Raya, Pidie Jaya, Lhokseumawe, and Aceh Timur districts. Samples of the Active Fishermen are that society under the supervision of the Fisheries and Panglima Laot office. The results of this study indicate the lack of government's role in preventing illegal fishing hence there are still many illegal fishing cases that occur in the fisherman's area, causing fishermen not to get maximum results and make the fishermen always entangled into poverty conditions. Researchers recommend that the government should be able to solve the problems that exist in the scope of fishermen, especially the problem of illegal fishing, by adding programs that can improve the economic empowerment of fishermen so that fishermen do not just rely on catch but also have other side income so when fishermen do not get the catch expected, fishermen still have a stable income to support their daily life.
Faktor-Faktor Yang Mempengaruhi Tingkat Pemahaman Pada Pasar Modal Syariah Muksal, Muksal
Jurnal Investasi Islam Vol 8 No 1 (2023): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v8i1.5737

Abstract

Abstrak Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi tingkat pemahaman dosen fakultas ekonomi dan bisnis islam terhadap pasar modal syariah (Y) dengan indikator pendidikan (X1), pengetahuan (X2), dan media informasi (X3). Metode penelitian yang digunakan adalah kuantitatif pendekatan deskriptif. Teknik analisa data yang digunakan adalah analisis regresi linear berganda. Hasil penelitian ini Berdasarkan uji parsial (t) diketahui bahwa variabel Pendidikan (X1) tidak berpengaruh terhadap variabel (Y) hal ini menunjukkan bahwa variabel pendidikan tak ada pengaruh indikator pendidikan dengan jenis invetasi yang dipilih dari tindakan investor. Pada variabel Pengetahuan (X2) berpengaruh terhadap variabel (Y) hal ini didukung penelitian sebelumnya, mengatakan variabel pengetahuan jadi faktor yang memberi pengaruh tingkat pemahaman berinvestasi pada pasar modal. Wawasan atau pengetahuan seseorang sebagai bentuk tolak ukur pemahaman terhadap pasar modal. Dengan adanya kemajuan teknologi yang mempermudah masyarakat untuk memperoleh informasi tentang pasar modal dapat diakses dengan mudah sehingga dengan banyaknya informasi yang diperoleh dapat menambah wawasan masyarakat terhadap pasar modal. Pada variabel Media Informasi (X3) tidak berpengaruh terhadap variabel (Y) Ini didukung penelitian sebelumnya dimana pertimbangan calon investor dalam berinvestasi bersumber dari kesadaran atau keyakinan seseorang terhadap bertindak tersebut. Untuk berinvestasi dengan niat calon investor, seseorang berusaha memenuhi keinginannya dengan berbagai cara, termasuk mempelajari informasi terkait dunia investasi, mengikuti kursus pelatihan dan mencari informasi tentang pasar modal. Berdasarkan uji Determinasi diperoleh hasil bahwa variabel (X) terhadap pemahaman dosen terkait pasar modal syariah (Y) adalah sebesar 41,8%. Sedangkan sisanya 58,2% dipengaruhi oleh variabel lain yang tidak dijelaskan dalam penelitian ini. Abstract The purpose of this study is to determine how education, knowledge, and access to the media all influence how well students in Islamic business and economics classes understand the syariah-compliant capital markets represented by Y. (X3). Statistical descriptive inference is the research method of choice. Data analysis techniques include robust linear regression analysis. This study's findings Based on the partial correlation test, we know that the education variable (X1) has no effect on the other variables (Y), which indicates that the education indicator has no effect on the kind of investment chosen by the investor. Preliminary research suggested that the level of education one has is a significant predictor of success in the stock market, lending credence to the hypothesis that educational attainment influences investment knowledge. Knowledge or insight as a measure of one's level of understanding of the financial markets. As a result of technological advancements that make obtaining information about the stock market easier for the general public, that general public's awareness of the market as a whole has expanded. Media Exposure (X3) has no effect on the other independent variables (Y) This is supported by prior research showing that an individual's outlook on investing stems from his or her knowledge and beliefs about the market. One may fulfill their investment goals in a number of ways, such as by taking training courses and reading up on the stock market. The results of the Determination exam showed that the sensitivity of the dose-response relationship between the variable (X) and the sharia capital markets (Y) was 41.8 percent. Yet the other 58.2% is affected by some other variable that isn't explained here
THE INFLUENCE OF EDUCATION, KNOWLEDGE AND SKILLS ON THE PERFORMANCE OF PT BANK ACEH SYARIAH EMPLOYEES Ismuadi, Ismuadi; Muksal, Muksal; Yusuf, Maya Ariska
EKOBIS SYARIAH Vol. 8 No. 1 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i1.22869

Abstract

Kinerja suatu perusahaan, termasuk perbankan, dalam mencapai tujuannya sangat bergantung pada kemampuan sumber daya manusianya (karyawan) dalam melaksanakan tugas dan tanggung jawabnya. Penelitian ini bertujuan untuk mengetahui pengaruh faktor pendidikan, pengetahuan dan keterampilan terhadap kinerja pegawai Kantor Pusat PT Bank Aceh Syariah. Dengan menggunakan 74 data responden, sampel dalam penelitian ini adalah karyawan PT Bank Aceh Kantor Pusat Syariah. Data diolah menggunakan aplikasi SPSS dengan analisis regresi linier berganda. Hasil menyatakan bahwa pendidikan tidak berpengaruh terhadap kinerja karyawan PT Bank Aceh Syariah, pengetahuan tidak berpengaruh terhadap kinerja karyawan PT Bank Aceh Syariah, keterampilan berpengaruh terhadap kinerja karyawan PT Bank Aceh Syariah, sekaligus pendidikan, pengetahuan dan keterampilan bersama-sama berpengaruh terhadap kinerja karyawan PT Bank Aceh Syariah.
Issuance of Bank Guarantees to Construction Service Providers at Islamic Banks Muksal; Ayumiati; Ilham Fachreza
Mutanaqishah: Journal of Islamic Banking Vol. 3 No. 2 (2023): December 2023
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v3i2.1412

Abstract

Bank guarantees are one of the products issued by banks in the field of product offerings that provide guidance on activities that will be carried out to achieve a company's marketing objectives. The aim of this research is to determine the suitability of bank guarantee products with adjustments to sharia and the principles of sharia rules. This research uses a descriptive qualitative approach while data collection uses observation, interviews and documentation methods. The research results found that the implementation of bank guarantees at Bank Aceh Syariah, Meulaboh branch, principles are based on sharia and do not conflict with sharia, starting from product offerings, issuance and settlement of bank guarantees. The position and role of Bank Aceh Syariah in relation to bank guarantees is as the issuer of bank guarantees and guarantors. If a claim occurs, Bank Aceh Syariah must cash the bank guarantee. So claims for payment of the Aceh Syariah Bank guarantee can only be submitted by the holder of the Aceh Syariah Bank guarantee document if it does not exceed the time period specified at the beginning of the agreement stated in the bank guarantee. Bank garansi adalah salah satu produk yang di keluarkan oleh bank di bidang penawaran produk yang memberikan panduan tentang kegiatan yang akan di jalankan untuk dapat tercapainya tujuan pemasaran suatu perusahaan. Tujuan penelitian ini untuk mengetahui kesesuaian produk bank garansi dengan penyesuaian dengan syariah dan prinsip-prinsip dalam aturan syariah. Penelitian ini menggunakan pendekatan kualitatif deskriptif sedangkan pengumpulan data dengan metode observasi, wawancara dan dokumentasi. Hasil Penelitian menemukan bahwa penerapan bank garansi di Bank Aceh Syariah cabang Meulaboh sudah sesuai dengan prinsip yang berlandaskan syariah dan tidak bertentangan dengan syariah mulai dari penawaran produk, penerbitan dan penyelesaian bank garansi.kedudukan dan peran Bank Aceh Syariah terhadap bank garansi adalah sebagai penerbit bank garansi dan penjamin. Apabila terjadi klaim maka Bank Aceh Syariah harus mencairkan bank garansi. Sehingga klaim pembayaran jaminan Bank Aceh Syariah yang hanya dapat diajukan oleh pihak pemegang warkat jaminan Bank Aceh Syariah apabila tidak melebihi jangka waktu yang telah ditetapkan pada awal perjanjian yang tercantum pada bank garansi.
PENGARUH PEMBIAYAAN MURABAHAH TERHADAP RETURN ON ASSET (ROA) PADA PT. BANK ACEH SYARIAH Fariza, Cut; Ayumiati, Ayumiati; Muksal, Muksal
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 5 No. 1 (2023)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v5i1.17257

Abstract

This study aims to determine the Effect of Murabahah Financing on the Profitability of PT. Bank Aceh Syariah (2019-2021 Period) and this research is secondary data based on the results of the monthly financial reports of PT. Bank Aceh Syariah for the 2019-2021 period. This type of research is quantitative research with a simple linear regression analysis method. The results of the t test show that tcount > ttable (2.909> 1.68) and a significance of 0.014 is less than 0.05, meaning that murabaha income has a positive and significant effect on profitability (ROA).
The Implementation Of Policy In The Restructuring Of Financing In Islamic Banks In The Province Of Aceh, Indonesia Muksal, Muksal; Ayumiati, Ayumiati; Humaira, Annisa
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 6 No. 1 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i1.25567

Abstract

The objective of this study is to investigate the internal policies pertaining to the reconstruction funding of Bank Syariah Indonesia (BSI) in Aceh Province. An examination of qualitative research methodologies through the medium of an interview. The research findings indicate that the bank BSI has effectively executed its policies, which have been deemed favorable. This initiative has significantly alleviated the challenges faced by consumers, particularly Micro, Small, and Medium Enterprises (MSMEs) impacted by the Covid-19 pandemic. It has provided necessary financial support to enable their survival and sustainability beyond the crisis. There are no significant hurdles encountered subsequent to the reconstruction undertaken by the party bank, owing to the implementation of its policies. The implementation of Sharia law has significantly contributed to the improvement of customer financing in the province of Aceh.
Factors That Influence The Performance Of Islamic Bank Employees Muksal, Muksal; Ayumiati, Ayumiati; Maisyura, Annisva
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 1 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v7i1.28243

Abstract

Employee performance is an employee's success in carrying out tasks related to organizational goals both in quantity and quality. This study aims to determine the effect of workload, work environment and work stress on the performance of BSI Banda Aceh employees, either partially or simultaneously. This research method uses a quantitative approach that is correlational. The population is 38 people or all employees of BSI Banda Aceh, while the sample is also 38 employees who are taken by total sampling technique. Data collection techniques using a questionnaire. Based on the results of the study, it is known that the workload and work environment variables have a partial effect on employee performance. While the work stress variable has no partial effect on employee performance.AbstrakKinerja karyawan merupakan keberhasilan karyawan dalam pelaksanaan tugas-tugas yang berhubungan dengan tujuan organisasi baik secara kuantitas maupun kualitas. Penelitian ini bertujuan untuk mengetahui pengaruh beban kerja, lingkungan kerja dan stress kerja terhadap kinerja karyawan PT. Bank Syariah Indonesia Banda Aceh, baik secara parsial maupun simultan. Metode penelitian ini menggunakan pendekatan kuantitatif yang bersifat korelasi. Populasi sebanyak 38 orang atau seluruh karyawan PT. Bank Syariah Indonesia Banda Aceh, sedangkan sampel juga 38 orang karyawan yang diambil dengan teknik total sampling. Teknik pengumpulan data menggunakan kuesioner. Analisa data terdiri dari uji regresi berganda, uji t, uji F dan uji determinasi menggunakan SPSS Versi 26. Berdasarkan hasil penelitian diketahui bahwa variabelbeban kerja dan lingkungan kerja berpengaruh secara parsial terhadap kinerja karyawan Bank Syariah Indonesia Banda Aceh. Sedangkan variabel stress kerja tidak berpengaruh secara parsial terhadap kinerja karyawan Bank Syariah Indonesia Banda Aceh. Namun secara simultan, variabel beban kerja, lingkungan kerja dan stress kerja berpengaruh terhadap kinerja karyawan Bank Syariah Indonesia Banda Aceh.
Determinasi Minat Mahasiswa Perbankan Syariah Universitas Islam Negeri Ar-Raniry dalam Penggunaan Aplikasi Dana Muksal, Muksal; Zulhilmi, Muhammad; Afdiani, Sri
Maqrizi: Journal of Economics and Islamic Economics Vol 4 No 1 (2024): Maqrizi : Journal of Economics and Islamic Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/maqrizi.v4i1.812

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh faktor fitur, kemudahan, keamanan, dan kemanfaatan terhadap minat mahasiswa perbakan syariah dalam menggunakan dompet digital (aplikasi DANA). Penelitian ini menggunakan penelitian kuantitatif dimana pengambilan sampelnya dengan teknik purposive sampling terhadap 87 mahasiswa perbankan syariah Universitas Islam Negeri Ar-Raniry Banda Aceh. Metode analisis data dengan menggunakan analisis regresi linear berganda yang dibantu dengan SPSS versi 20. Hasil penelitian ini menunjukan bahwa secara parsial Fitur, kemudahan dan keamanan berpengaruh signifikan dan positif terhadap minat mahasiswa perbankan syariah dalam menggunakan dompet digital (Aplikasi DANA), Sedangkan kemanfaatan tidak berpengaruh signifikan terhadap minat mahasiswa perbankan syariah dalam menggunakan dompet digital (Aplikasi DANA). Secara simultan variabel fitur, kemudahan, keamanan, dan kemanfaatan berpengaruh secara simultan dan signifikan terhadap minat mahasiswa perbankan syariah dalam menggunakan dompet digital (Aplikasi DANA).
ISLAMIC FINANCIAL LITERACY AND INCLUSION LEVEL Muksal, Muksal; Nevi Hasnita; Putri Nazirah
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 1 (2023): Vol.7 No.1 Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i1.5765

Abstract

ISLAMIC FINANCIAL LITERACY AND INCLUSION LEVEL Abstract Purpose: This study aims to assess the level of literacy and inclusion of Islamic finance in the city of Banda Aceh following the implementation of Qanun No. 11 of 2018 on Islamic Financial Institutions. The research seeks to contribute insights into the impact of regulatory measures on financial literacy and inclusion in a region with a specific focus on Islamic finance. Design/methodology/approach: A descriptive qualitative method employing a questionnaire was used to gather data for this study. The research analyzed the responses to evaluate the changes in Islamic financial literacy and inclusion among the residents of Banda Aceh. Findings: The results indicate a notable increase in Islamic financial literacy from 71.99% to 89.70%, accompanied by an Islamic financial inclusion rate of 83.4%. Categorizing these results according to Chen and Volpe's criteria, the Islamic financial literacy and inclusion in Banda Aceh City fall into the high category. The findings underscore the positive impact of Qanun No. 11 of 2018, suggesting an enhanced understanding of Islamic financial concepts among the residents. Research limitations/implications: While the study provides valuable insights, it is essential to acknowledge some limitations. The research focuses on a specific geographic location, and the results may not be generalizable to other regions. Additionally, the study relies on self-reported data, which may be subject to respondent bias. Practical implications: The findings of this study emphasize the importance of improving Islamic financial literacy. Residents of Banda Aceh City are encouraged to enhance their knowledge of various financial topics, including budgeting, investing, credit, insurance, and retirement planning. Increased financial literacy can empower individuals to make more informed decisions when utilizing services and products offered by financial institutions. Keywords: Literacy; inclusion, Islamic Finance TINGKAT LITERASI DAN INKLUSI KEUANGAN SYARIAH Abstrak Tujuan: Penelitian ini bertujuan untuk mengkaji tingkat literasi dan inklusi keuangan syariah di Kota Banda Aceh pasca penerapan Qanun No. 11 Tahun 2018 tentang Lembaga Keuangan Syariah. Penelitian ini bertujuan untuk menyumbangkan wawasan tentang dampak langkah-langkah pengaturan terhadap literasi dan inklusi keuangan di suatu wilayah dengan fokus khusus pada keuangan Islam. Desain / metodologi / pendekatan: Metode kualitatif deskriptif menggunakan kuesioner digunakan untuk mengumpulkan data untuk penelitian ini. Penelitian ini menganalisis tanggapan untuk mengevaluasi perubahan literasi dan inklusi keuangan Islam di antara penduduk Banda Aceh. Kesimpulan: Hasilnya menunjukkan peningkatan literasi keuangan syariah yang signifikan dari 71,99% menjadi 89,70%, disertai dengan tingkat inklusi keuangan syariah sebesar 83,4%. Mengkategorikan hasil ini sesuai dengan kriteria Chen dan Volpe, literasi dan inklusi keuangan syariah di Kota Banda Aceh termasuk dalam kategori tinggi. Temuan ini menggarisbawahi dampak positif Qanun No. 11 tahun 2018, menunjukkan peningkatan pemahaman tentang konsep keuangan syariah di kalangan warga. Keterbatasan / implikasi penelitian: Meskipun penelitian ini memberikan wawasan yang berharga, penting untuk mengakui beberapa keterbatasan. Penelitian ini berfokus pada lokasi geografis tertentu, dan hasilnya mungkin tidak dapat digeneralisasikan ke wilayah lain. Selain itu, penelitian ini bergantung pada data yang dilaporkan sendiri, yang mungkin tunduk pada bias responden. Implikasi praktis: Temuan penelitian ini menekankan pentingnya meningkatkan literasi keuangan syariah. Warga Kota Banda Aceh didorong untuk meningkatkan pengetahuan mereka tentang berbagai topik keuangan, termasuk penganggaran, investasi, kredit, asuransi, dan perencanaan pensiun. Peningkatan literasi keuangan dapat memberdayakan individu untuk membuat keputusan yang lebih tepat ketika memanfaatkan layanan dan produk yang ditawarkan oleh lembaga keuangan. Kata kunci: Literasi; inklusi, Keuangan Islam
FAKTOR DETERMINAN DEVIDEND PAYOUT RATIO BANK UMUM SYARIAH PADA BURSA EFEK INDONESIA Muksal, Muksal; Gultom, Muhammad Aidil
Jaksya: Jurnal Akuntansi Syariah Vol 2, No 1 (2024): Jaksya : Jurnal Akuntansi Syariah
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jaksya.v2i1.10449

Abstract

Dividend payout ratio (DPR) is usually determined by management by considering several factors of the company's financial performance through several ratios finance. Among these financial ratios is Return On Assets (ROA), firm size, and growth opportunity. The aim of this research is to analyze the influence of ROA, firm size and growth opportunity on DPR (dividend payout ratio) in Sharia Commercial Banks listed on the Indonesia Stock Exchange Period 2014-2021. The research subjects were 4 Sharia Commercial Banks, with a range of observation year 2014-2021, so the number of observation subjects is 20 observation. The type of data that the author uses in writing this thesis is data secondary, namely the company's annual financial report data obtained from the official website of the Indonesian Stock Exchange www.idx.co.id, and then analyze quantitatively with multiple linear regression using the SPSS application. The research results found the influence of (ROA), Firm Size and Growth Opportunities jointly or simultaneously influence DPR at Sharia Commercial Banks listed on the IDX for the 2014-2021 period, both simultaneously and simultaneously Partial. Investors should first consider the variables affects the DPR,because this aspect measures the company's ability to generate a good level of return on investment carried out at the company.Dividend Payout Ratio (DPR) biasanya ditentukan oleh pihak manajemen dengan mempertimbangkan beberapa faktor-faktor kinerja keuangan perusahaan melalui beberapa rasio-rasio keuangan. Di antara rasio keuangan tersebut adalah Return On Asset (ROA), firm size, dan growth opportunity. Tujuan penelitian ini untuk untuk menganalisis pengaruh ROA, firm size dan growth opportunity terhadap DPR (dividend payout ratio) pada Bank Umum Syari'ah yang terdaftar di Bursa Efek Indonesia Periode 2014-2021. Subjek penelitian adalah 4 Bank Umum Syariah, dengan rentang tahun pengamatan 2014-2021, sehingga jumlah subjek observasi adalah 20 pengamatan. Jenis data yang penulis gunakan dalam penulisan skripsi ini data sekunder, yaitu data laporan keuangan tahunan perusahaan yang diperoleh dari website resmi Bursa Efek Indonesia www.idx.co.id, dan kemudian dianalisis secara kuantitatif dengan regresi linier berganda menggunakan aplikasi SPSS. Hasil penelitian menemukan adanya pengaruh Return On Asset (ROA), Firm Size dan Growth Oppotunity secara bersama-sama atau simultan berpengaruh terhadap Dividen Payout Ratio pada Bank Umum Syariah yang terdaftar di Bursa Efek Indonesia periode tahun 2014-2021, baik itu secara simultan maupun secara parsial. Investor hendaknya terlebih dahulu mempertimbangkan variabel yang mempengaruhi Dividend Payout Ratio (DPR), karena aspek ini mengukur kemampuan perusahaan dalam menghasilkan tingkat laba atas investasi yang dilakukan pada perusahaan tersebut.Dividend payout ratio (DPR) is usually determined by management by considering several factors of the company's financial performance through several ratios finance. Among these financial ratios is Return On Assets (ROA), firm size, and growth opportunity. The aim of this research is to analyze the influence of ROA, firm size and growth opportunity on DPR (dividend payout ratio) in Sharia Commercial Banks listed on the Indonesia Stock Exchange Period 2014-2021. The research subjects were 4 Sharia Commercial Banks, with a range of observation year 2014-2021, so the number of observation subjects is 20 observation. The type of data that the author uses in writing this thesis is data secondary, namely the company's annual financial report data obtained from the official website of the Indonesian Stock Exchange www.idx.co.id, and then analyze quantitatively with multiple linear regression using the SPSS application. The research results found the influence of (ROA), Firm Size and Growth Opportunities jointly or simultaneously influence DPR at Sharia Commercial Banks listed on the IDX for the 2014-2021 period, both simultaneously and simultaneously Partial. Investors should first consider the variables affects the DPR,because this aspect measures the company's ability to generate a good level of return on investment carried out at the company.
Co-Authors Afdiani, Sri Amalia, Zikra Analiansyah Aspira, Muizatul Ayumiati Ayumiati, Ayumiati Azharsyah Ibrahim Cahyani, Aulia Dwi Oktavia Eddy Gunawan Eddy Gunawan, Eddy Evriyenni Fariza, Cut Gultom, Muhammad Aidil Hafas Furqani Hasnita, Nevi Humaira, Annisa Ikhsan Fajri Ikhsan Fajri, Ikhsan Ilham Fachreza Indradewa, Rhian Ismuadi Ismuadi Isnaliana Isnaliana M Shabri Abd Majid M Shabri Abd Majid Maisyura, Annisva Maya Ariska Yusuf Mirna Indriani Mirna Indriani Muhammad Arifin Muhammad Zulhilmi Muzammil, Muzammil Nilam Sari Nirzalin Putri Nazirah Rahmatika, Ulia Ramly, Arroyyan Riska Jaya Mustika Rony, Zahara Tussoleha Sartika, Ayu Teuku Meldi Kesuma Wahyuddin Wahyuddin Wahyuddin Wahyuddin Yuliadra, Teuku Fariz Yusuf, Maya Ariska Zakiiya, Ghulaman