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All Journal Jurnal Maps (Manajemen Perbankan Syariah) Indonesian Journal of Economics and Management Jurnal Transportasi Multimoda Journal of Applied Islamic Economics and Finance Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal Integration of Management Studies
Purbayati, Radia
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Transportation

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The Influence Of Internal And External Factors On The Level Of Non-Performing Financing In Sharia Banks In Indonesia For The Period 2014-2023 Imam, Fathur; Purbayati, Radia
Indonesian Journal of Economics and Management Vol. 5 No. 2 (2025): Indonesian Journal of Economics and Management (March 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ijem.v5i2.6574

Abstract

This study aims to determine the level of non-performing financing at Islamic banks in Indonesia caused by the Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Inflation, and Unemployment Rate. This research uses an explanatory quantitative method. The population in this study were 14 Islamic Commercial Banks with a sample of 10 Islamic Commercial Banks selected using purposive sampling technique. The results of this study found that partially FDR, Inflation, and Unemployment Rate have no effect on the level of non-performing financing. Meanwhile, CAR affects the level of non-performing financing. Meanwhile, simultaneously FDR, CAR, Inflation and Unemployment Rate affect the level of non-performing financing at Islamic Banks in Indonesia for the period 2014-2023. This research provides encouragement to Islamic banks in Indonesia to continue to maintain consistency in managing capital and financing risks arising from internal and external factors
Comparative Analysis of ROA, ROE, and GDP on Stock Returns in Sharia and Non-Sharia Food & Beverage Firms Prasetyo, Bintang Dwi; Tripuspitorini, Fifi Afiyanti; Purbayati, Radia; Kusnadi, Hani Kustyanti; Nuzul, Dinda Amanda Ainun
Journal of Applied Islamic Economics and Finance Vol. 6 No. 1 (2025): Journal of Applied Islamic Economics and Finance (Oktober 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v6i1.6778

Abstract

This study examines the comparative influence of Return on Assets (ROA), Return on Equity (ROE), and Gross Domestic Product (GDP) on stock returns in sharia-compliant and non-sharia food and beverage companies listed on the Indonesia Stock Exchange (IDX) and the Indonesia Sharia Stock Index (ISSI) from 2020 to 2023. Using a quantitative descriptive method, the research applies panel data regression analysis with EViews 12 on secondary data obtained from annual reports and the Central Statistics Agency (BPS). The study sample comprises 10 sharia and 8 non-sharia companies selected through purposive sampling. The findings show that for sharia companies, ROA significantly affects stock returns, while ROE and GDP do not. In contrast, for non-sharia companies, none of the variables significantly affect stock returns. These results indicate a divergence in stock return determinants based on the company’s sharia status. The study provides insights for investors and companies in managing financial performance and investment decisions.
Analisis Keuangan dan Risiko Perusahaan Transportasi Angkutan Darat Selama Pandemi COVID-19 Nainggolan, Yunieta Anny; Syaputri, Annisa Rizkia; Afgani, Kurnia Fajar; Purbayati, Radia; Subaryata, Subaryata
Jurnal Transportasi Multimoda Vol 21 No 2 (2023): Desember
Publisher : Sekretariat Badan Kebijakan Transportasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25104/mtm.v21i2.2133

Abstract

Pandemi COVID-19 yang terjadi sejak awal tahun 2020 menyebabkan mobilitas masyarakat menurun secara drastis yang menyebabkan penurunan volume penumpang dan berdampak pada kelangsungan bisnis operator transportasi angkutan penumpang. Berbagai upaya dilakukan pemerintah untuk dapat mengendalikan penyebaran virus dengan anjuran berkegiatan di rumah. Selain anjuran tersebut, pemerintah juga mewajibkan penerapan protokol kesehatan yang ketat terutama di area public, termasuk transportasi umum. Hal tersebut berdampak pada biaya operasional kendaraan (BOK) operator bisnis transportasi. Penelitian ini bertujuan untuk mengidentifikasi kondisi keuangan dan risiko operator transportasi angkutan darat selama pandemi COVID-19 yang dilihat dari tiga aspek, yaitu struktur biaya, rasio keuangan dan risiko. Data yang dikumpulkan diperoleh melalui Focus Group Discussion (FGD) dan berbagai sumber daring. Hasil penelitian ini menunjukkan bahwa struktur biaya sangat memengaruhi pendapatan operator dikarenakan adanya biaya penerapan protokol kesehatan. Identifikasi rasio keuangan memprediksi terjadinya penurunan kinerja sebagai dampak pandemi. Hasil identifikasi risiko menunjukkan bahwa risiko paling tinggi adalah penurunan pendapatan dan terjadinya kredit macet serta meningkatnya biaya operasional. Hasil penelitian ini diharapkan dapat menjadi dasar bagi operator bisnis transportasi angkutan darat dalam menyusun strategi selama masa pendemi. Selain itu, penelitian ini diharapkan dapat menjadi dasar pertimbangan bagi pemerintah untuk memberikan stimulus agar operator dapat menjalankan bisnisnya. Adapun stimulus yang direkomendasikan adalah berupa subsidi biaya protokol kesehatan, subsidi perizinan serta keringanan pajak dan pinjaman.
Co-Authors Afgani, Kurnia Fajar Aini, Nurfina Anggoro, Yudo Asep Darmansyah Astari, Airen Widhia Ayudiatri, Safira Banter Laksana, Banter Djatnika, Djoni Fitrianda, Saldy Hadiani, Fatmi Halim, Robbyson Hatma Juniwati, Endang Imam, Fathur Indrayana, Gun Gun Iwan Setiawan Kusnadi, Hani Kustyanti Mayasari, Ine Muhammad Muflih Nurrohmah, Resti Fadhilah Nuzul, Dinda Amanda Ainun Pakpahan, Rosma Prasetyo, Bintang Dwi Raden Aswin Rahadi Rivanda, Agil Krisna Ruhana, Nafisah Sahroni, Putri Rizki Shafira, Ranti Firdha Silvia Utami Ningtias Sonia, Lira Subaryata, Subaryata Syaputri, Annisa Rizkia Syarief, Mochamad Edman Tripuspitorini, Fifi Afiyanti Yunieta Anny Nainggolan, Yunieta Anny