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THE EFFECT OF LIQUIDITY, LEVERAGE, CAPITAL, EFFICIENCY, AND ASSET QUALITY ON ISLAMIC BANKS PROFITABILITY IN ASIA Lina Kurniawati; Guntur Kusuma Wardana; Muhammad Riza Hafizi
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 8 No 2 (2025): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v8i2.10454

Abstract

Sharia banking in Asia has experienced rapid asset growth and has become a major contributor to the global Islamic finance industry. However, this asset growth has not always been accompanied by stable profitability due to high operating costs and financing risks. This study aims to examine the FDR, DAR, CAR, CIR, and NPF on ROA in Islamic banking in Asia. This study uses a descriptive quantitative approach with panel data regression analysis. The results show that, partially, the variables FDR, DAR, and CAR do not have a significant effect on ROA, while the variables CIR and NPF have a significant negative effect on ROA in Islamic banks in Asia. Simultaneously, all independent variables have a significant effect on ROA in Islamic banks in Asia. This study explains that asset efficiency and quality are important factors that affect the profitability of Islamic banking in Asia. The implication of this study is the need to strengthen financing risk management and improve operational efficiency to maintain the financial performance of Islamic banking.
Perceptions and Motivations for Buying and Selling Disputed Land in Sampit City Central Kalimantan an Islamic Economic Perspective Rivaldo, Ahmad; Sadikin, Ali; Zulkifli, Zulkifli; Safitri, Novi Angga; Hafizi, Muhammad Riza
Suhuf: International Journal of Islamic Studies Vol. 37 No. 2 (2025): November
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/suhuf.v37i2.12512

Abstract

This study aims to analyze the practice of buying and selling disputed land, understand the perceptions and motivations of the transaction actors, and examine these problems from an Islamic economic perspective. This research uses a descriptive qualitative approach through a field research method with data collection techniques in the form of observation, in-depth interviews, and documentation of a number of informants selected purposively. The results show that the practice of buying and selling disputed land takes place informally, with proof of transactions in the form of receipts and personal trust between individuals. Community perceptions tend to be permissive, considering the transaction valid as long as it is done voluntarily, even without an official certificate. The main motivation of the perpetrators is the low price of the land, the strategic location, and the belief that the legal status of the land can be resolved at a later date. From an Islamic economic perspective, this practice contains elements of gharar (uncertainty), which is prohibited due to the lack of clarity of ownership. In conclusion, this practice shows the lack of public awareness of Sharia law and land regulations. Therefore, legal education, socialization of Islamic economics, and enforcement of regulations are needed so that land transactions run according to the principles of justice and benefit.
PENGARUH GOOD CORPORATE GOVERNANCE TERHADAP NILAI PERUSAHAAN DENGAN PROFITABILITAS SEBAGAI VARIABEL MODERATING Gelu Savira Dwi Cahyani; Muhammad Riza Hafizi; Enriko Tedja Sukmana; Fuad Muhajirin Farid; Muhammad Noval
RAGAM: Journal of Statistics & Its Application Vol 3, No 1 (2024): RAGAM: Journal of Statistics & Its Application
Publisher : Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/ragam.v3i1.11903

Abstract

Good Corporate Governance is good and correct corporate governance to create added value for all stakeholders. A company's value is good if corporate governance is implemented well. Implementing good GCG will increase profits and reduce the risk of losses in the future so that it can increase company value. This research aims to examine the influence of Good Corporate Governance on Company Value with Profitability as a Moderating Variable in mining companies listed on the Indonesia Stock Exchange 2015-2019. The population of this research is all mining companies listed on the Indonesia Stock Exchange (BEI) in 2015-2019. The sampling method uses purposive sampling with a total sample of 3 companies. The data analysis method used is SEM-based Patrial Least Square (PLS) software. This research concludes that from the results of data analysis, based on predetermined decision-making, the results of this research are that Good Corporate Governance (GCG) has a positive and significant effect on company value. Then, profitability does not moderate the influence of GCG on company value.
PENGARUH BUDIDAYA LEBAH MADU TERHADAP PEREKONOMIAN MASYARAKAT DI KOTA PALANGKA RAYA Amalina Putri Syahira; Muhammad Riza Hafizi; Hasnita Handayani
RAGAM: Journal of Statistics & Its Application Vol 2, No 2 (2023): RAGAM: Journal of Statistics & Its Application
Publisher : Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/ragam.v2i2.11902

Abstract

The aim of this research is to determine the effect of honey bee cultivation on the economy of the people in Palangka Raya and from a Sharia Economic perspective. type of research causal research. The researcher's data collection method uses questionnaires. The population in this study were honey bee cultivation managers from the 3 (three) Forest Farmer Groups (KTH) supported by the Central Kalimantan Provincial Forestry Service, totaling 40 people, while the sample in this study was 40 people from all members of the population. The data analysis technique used is a simple linear regression analysis technique using the SPSS 25 program. The results of the research show that the honey bee cultivation variable has a significant positive effect on the community economy, which means that the higher the value of the honey bee cultivation variable, the higher the value of the community economic variable. Based on a sharia economic perspective, this is appropriate because honey bee cultivation managers have implemented the indicators that researchers use, such as social solidarity, transparency and trust.
Co-Authors Abas, Mujiburohman Abul Abdul Jamil Afani, Moh. Ahmad Hanafi Akbar, Wahyu Al Hujjah Asianingrum Alex Fahrur Riza Ali Sadikin Amalina Putri Syahira Anggraeni, Rara Arif Mubarok Aulia, Deanti Aviva, Itsla Yunisva Ayu Indira A’ang Adi Putra Barlian, Noer Aisyah Barlian Darmawan, Mualim Deanti Aulia Diah Wulandari Dyah Sulistiyo Rimbodo Enriko Tedja Sukmana Enriko Tedja Sukmana Enriko Tedja Sukmana Enriko Tedja Sukmana, Enriko Tedja Fadlil Abdani Farid, Fuad Muhajirin Fidiyaningsih, Yani Fuad Muhajirin Farid Gelu Savira Dwi Cahyani Geovani, Andrea Gita Cahyani Guntur Kusuma Wardana Guntur, Guntur Kusuma Wardana Hadi, Hadi Isman Haidi Hajar Widagdo Hakim, Sofyan Halipah, Nor Hasnita Handayani Hasnita Hasnita Hasnita Hasnita Himawan, Hilmi Satria Insani, Jihan Dwi Isra Misra Iyah Jalaluddin Jamilah Jamilah Jefry Tarantang Jelita Jelita jelita, jelita Karina Awalia Zahra Lina Kurniawati Lusy Nur Misnaningsih M. Ihsan Nur Rasid Mafrudhoh, Sokhifatul Majeed, Ali Nazar Mariatul Jannah Misnaningsih, Lusy Nur Misra, Isra Muhammad Noval Muhammad Zainal Arifin, Muhammad Zainal Mutmainah Mutmainah Nita Oktaviana Nur Aisah Nur Fuadi Rahman Nurmala, Putri Oktaviana, Nita Priansyah, Dodi Purwaningsih, Umi Putri Mei Ismil Kholifah Putri Nurmala Putri, Danisha Yoananda Rahkmawati, Yeni Rahmad Kurniawan Rahman, Zainur Rivaldo, Ahmad Roudhatul Amalia Safitri, Aulia Ramadhanti Safitri, Novi Angga Salsabila, Nur Siara Zazkia Juliana Putri Sidauruk, Verina Rosalin Br Sofyan Hakim Sofyan Hakim Sofyan Hakim Solly Aryza Sukarni Suriyani, Elma Susiana Susiana Umi Purwaningsih Wahyu Akbar Wehdawati Wehdawati Zulkifli Zulkifli