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All Journal Adzkiya : Jurnal Hukum dan Ekonomi Syariah Izdihar : Jurnal Ekonomi Syariah El-Qish: Journal of Islamic Economics Labatila: Jurnal Ilmu Ekonomi Islam Al-Idarah : Jurnal Manajemen dan Bisnis Islam JIFTECH: Journal Of Islamic Financial Technology Multazam : Jurnal Manajemen Haji dan Umrah NAJAHA IQTISHOD : Journal of Islamic Economic and Finance Jurnal Ilmiah Mahasiswa Budgeting: Jurnal Akuntansi Syariah Al-bank: Journal of Islamic Banking and Finance
Renfiana, Lilis
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Prudential Banking Principle Implementation In Murabahah Financing On PT. Sumut Sharia Bank Branch Padangsidimpuan Lestari, sry; Renfiana, Lilis; Arianti, Fitri
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (318.811 KB) | DOI: 10.24952/jiftech.v1i2.6688

Abstract

Based on the data on the number of murabahah financing customers of PT. Bank Sumut Padangsidimpuan Sharia Branch As of 31 December 2016-2019. In 2017 it decreased by 5.15 percent, in 2018 it experienced an increase of 5.36 percent, and in 2019 it experienced an increase of 6.01 percent. Therefore researchers are interested in researching the implementation of prudential banking principles in murabaha financing. The purpose of this study was to determine the application of the prudential banking principle in murabahah financing at the Padangsimpuan Branch of Bank Sumut Syariah. The theory used in this study is the theory of applying, the theory of the prudential principle, the theory of murabaha, the theory of murabaha financing. This research is descriptive qualitative with data collection techniques using interviews, observation, and documentation, while the data sources used are primary data and secondary data. From the results of this study it can be concluded that the implementation of prudential banking principle is the 5C principle of character, capacity, capital, economic conditions, collateral. collateral). The implementation of the prudential banking principle for murabahah financing has implemented the 5C principle. It can be seen that in 2018 and 2019 there has been an increase.
Perbandingan Kinerja Bank Pembiayaan Rakyat Syariah dan Bank Perkreditan Rakyat di Indonesia Aliefah, Aniesatun Nurul; Renfiana, Lilis
Al-bank: Journal of Islamic Banking and Finance Vol 1 No 2 (2021): July - Desember 2021
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v1i2.4262

Abstract

The purpose of this study is to compare the performance of The Conventional Rural Bank (BPR) and Islamic Rural Bank (BPRS) in Indonesia using the REC method which consists of a risk profile, earnings, and capital during the 2015-2017 period. The risk profile factor is represented by the NPF indicator, income is represented by ROA and capital is represented by CAR. By using the purposive sampling method, as many as 43 Islamic Rural Bank (BPRS) and 63 Conventional Rural Bank (BPR) were obtained from secondary data sourced from annual financial reports published on the bank's official website. The analysis technique was then carried out using the Mann-Whitney-U test to compare the performance of the two banks. The results of this study indicate that there is a significant difference in NPF between the two banks at a significance level of 0.006; There is no significant difference in ROA and CAR between Islamic general financing banks and rural credit banks in Indonesia at the ROA significance level of 0.070 and CAR 0.239, respectively. The implication of this research implies that the performance of Islamic BPRs still has a great opportunity to develop in the future and is a big challenge, especially for the management of Indonesian Islamic BPRs and the central bank (Bank Indonesia) as a bank. regulators.
Apakah Perusahaan dengan ESG Tinggi Memiliki Kinerja Keuangan yang Lebih Baik? Renfiana, Lilis; Hendri, Loni; Idaman, Northa
Budgeting: Jurnal Akuntansi Syariah Vol. 6 No. 2 (2025): Budgeting: Jurnal Akuntansi Syariah, Desember 2025
Publisher : PROGRAM STUDI AKUNTANSI SYARIAH FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/yg7gdg69

Abstract

Environmental, Social, and Governance (ESG) issues have gained global prominence in sustainable investing, yet empirical evidence on their relationship with corporate profitability in emerging markets like Indonesia remains limited and inconsistent. This study examines differences in profitability, measured by Return on Assets (ROA), among companies with varying ESG performance categories on the Indonesia Stock Exchange. A comparative quantitative method was applied to a sample of 84 companies classified into three ESG categories (Good, Medium, Poor) based on Sustainalytics scores. Data analysis employed descriptive statistics, Shapiro-Wilk normality test, and the non-parametric Kruskal-Wallis test. The results revealed no statistically significant differences in ROA among the three ESG groups (H = 4.452, p = 0.108). An interesting finding emerged from the numerical pattern showing the "Poor" ESG group achieved the highest average ROA (6.38%), followed by the "Medium" (4.99%) and "Good" (4.75%) groups. This study concludes that no significant relationship exists between ESG performance and short-term profitability in the context of Indonesia's capital market. The research implications highlight the importance of long-term perspectives in ESG integration and the need for strategic approaches that consider the specific characteristics of emerging markets.
ANALISIS PELAYANAN PEDAGANG TERHADAP KONSUMEN DI TINTAU DARI ETIKA BISNIS ISLAM (Studi Kasus Toko Sembako di Kelurahan Ganjar Asri) Puspitasari, Synthia; Mentino, Dofriyansyah; Renfiana, Lilis
Al-Idarah Vol 5 No 1 (2024): Al-Idarah : Jurnal Manajemen dan Bisnis Islam
Publisher : Fakultas Syariah dan Ekonomi Islam Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/idarah.2024.v5i1.125-140

Abstract

Service quality is a strategy that is used to attract consumers which is applied so that the desire to create satisfaction for consumers is realized. If the quality of service in each business is carried out well, this will provide a positive outlook and can increase consumer buying interest. But humans need to remember that not all resources can be used because humans are bound by ethics. Islam teaches its adherents to be guided by Islamic teachings or Islamic business ethics, including when it comes to doing business. This research is descriptive qualitative in nature using interviews, documentation and observational data collection techniques. With the aim of finding out which shop has the best service quality. Based on the research results and discussions in the research, 2 shops have been found that fit the criteria, namely Bu Dwi Shop and Syifa Shop. It can be concluded that Toko Bu Dwi has implemented the principles of Islamic business ethics well, namely by implementing the principles of free will, responsibility, monotheism and ihsan. Meanwhile, the Syifa Shop cannot fulfill the principles of Islamic business ethics properly because the shop can only fulfill the three principles of free will, responsibility and ihsan.
Co-Authors Aliefah, Aniesatun Nurul Annastasya, Virza Ika Arianti, Fitri Asrul, Mutiarani Bila, Dinda Salsa Cahyana, Dian Fadhilah, Rosyida Nur Fitasari, Yulimah Habaib, Nur Muhammad Hendri, Loni Lestari, Sry Marvina, Evi Mentino, Dofriyansyah Monika, Dea Agnes Northa Idaman Nur Syamsiyah Nurul Isnaini Oktavina, Nala Puspitasari, Synthia Quthbi, Zainul Hasan Reflika, Elinda Rizky Maulana, Rizky Rohmi, Misfi Laili Rosiyadi Putri , Puja Sari, Wulan Indriana Sugiarto, Rahaf Maryam Wafiq, Dewi Yudhistira Ardana