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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Pengembangan Manajemen, Bisnis, Keuangan dan Perbankan Golden Ratio of Data in Summary
Eldiani, Nita
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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PENGARUH LOAN TO DEPOSIT RATIO (LDR) TERHADAP RETURN ON ASSET (ROA) (STUDI PADA PERUMDA BPR GARUT) eldiani, nita
PRISMAKOM Vol 21 No 2 (2024): PRISMAKOM
Publisher : Sekolah Tinggi Ilmu Ekonomi Yasa Anggana Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54918/prismakom.v22i1.105

Abstract

Penelitian ini dilatar belakangi oleh Penurunan Return On Assets (ROA) disebabkan karena besarnya restrukturisasi, hal itu juga dipicu oleh pendapatan bunga yang menurun. Hal tersebut menunjukkan bahwa Perumda BPR Garut mengalami kesulitan dalam menjaga stabilitas Return On Assets (ROA) pada setiap tahunnya. Berdasarkan hal tersebut, maka peneliti tertarik untuk melakukan penelitian dengan judul “Pengaruh Loan to Deposit Ratio (LDR) Terhadap Return On Assets (ROA)”. Penelitian ini bertujuan untuk mengetahui bagaimana gambaran manajemen keuangan dan kinerja keuangan mengenai perkembangan Loan to Deposit Ratio (LDR), perkembangan Return On Assets (ROA) serta pengaruh Loan to Deposit Ratio (LDR) terhadap Return On Assets (ROA) pada Perumda BPR Garut periode 2016-2022. Penelitian menggunakan metode kuantitatif yang menitikberatkan pada pengukuran dan analisis hubungan sebab akibat. Data yang digunakan adalah data sekunder. Teknik pengumpulan data yang dilakukan dalam penelitian ini dengan menggunakan dokumentasi dan studi pustaka dengan analisis data yaitu analisis deskriptif dan analisis statistik. Berdasarkan hasil penelitian, menunjukkan bahwa Loan to Deposit Ratio (LDR) tidak berpengaruh positif terhadap Return On Assets (ROA). Pengujian yang dilakukan dengan menggunakan analisis regresi linear sederhana dengan persamaan regresi Y = -278.911 + 0,077X. Nilai korelasi sebesar 0,497 yang diinterpretasikan memiliki tingkat hubungan yang kuat. Dengan nilai koefisien determinasi R square sebesar 0,247 atau 24,7% sedangkan sisanya sebesar 75,3% dipengaruhi oleh variabel lain yang tidak diteliti. Hasil penelitian dengan hubungan yang sedang maka perusahaan diharapkan semakin memperhatikan faktor lain yang mempengaruhi Return On Assets (ROA). Hal ini sejalan dengan teori menurut Munawir (2018:89) yang menyebutkan bahwa faktor rasio yang mempengaruhi Return On Assets (ROA) yaitu ukuran perusahaan, Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non Performing Loan (NPL) dan Loan to Deposit Ratio (LDR). Sedangkan uji t dengan hasil thitung < ttabel = 1.280 < 2.570 dengan nilai signifikansi sebesar 2,57 > 0,05.
pengaruh Pengaruh Capital Adequacy Ratio (CAR) Terhadap Financing to Deposit Ratio (FDR) eldiani, nita
PRISMAKOM Vol 22 No 1 (2024): PRISMAKOM
Publisher : Sekolah Tinggi Ilmu Ekonomi Yasa Anggana Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54918/prismakom.v22i2.119

Abstract

Financing to Deposit Ratio (FDR) growth index at one of the Sharia BPRs in Kab. Garut, namely BPR Syariah Harum Himah Nugraha, has experienced declines and increases in the last 5 years. The decline in the Financing to Deposit Ratio (FDR) is mainly thought to be due to problems in the distribution of financing which have an impact on society, especially MSMEs, causing bank installments to not run well, making it difficult for banks to control their liquidity. Several previous studies such as from Rufaidah, Djuwarsa and Danisworo (2021) show that the Capital Adequacy Ratio (CAR) has a positive and significant effect on the Financing to Deposit Ratio (FDR). This research uses quantitative research methods with a descriptive approach. Based on the research results showing simple linear regression analysis, correlation test, determination test and hypothesis test, the Capital Adequacy Ratio (CAR) has a relationship with the Financing to Deposit Ratio (FDR) with a moderate relationship direction, namely 59.6%.
The Effect of Cash Ratio on Return on Asset (ROA) at PERUMDA BPR Garut Eldiani, Nita; Lailasarry, Tania
Golden Ratio of Data in Summary Vol. 4 No. 1 (2024): November - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i1.1078

Abstract

The banking industry, especially rural banks (BPR), has a vital role in the local and national economy. This study aims to analyse the effect of Cash Ratio on Return On Assets (ROA) at Perumda BPR Garut. The method used is quantitative research with an associative approach, in which the relationship between variables is tested through regression analysis. The population of this study is the annual financial statements of Perumda BPR Garut for the period 2017-2023, with purposive sampling technique to select samples that meet certain criteria, namely financial reports that have been published during that period. This study used a sample of seven annual financial reports. The results showed that Cash Ratio had no significant effect on ROA. Although there is a weak relationship between the two variables, other factors, such as asset management and credit quality, affect bank performance more. The implication of this study is that it is important for the management of Perumda BPR Garut to pay attention to the management of other factors in increasing profitability, other than relying solely on liquidity ratios.
Inggris Nurjaman, Muhamad Izazi; Wardiyah, Mia Lasmi; Al-Rasyid, Camelia Sofwan; Eldiani, Nita; Tamami, Ahmad
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 05 (2025): JIEI : Vol. 11, No. 05, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the implementation strategy of mosque-based Islamic financial innovations to improve the welfare of rural communities In Indonesia. The research method used is descriptive qualitative with a library research approach. Data analysis was conducted through data reduction, data presentation, and conclusion drawing, to obtain a systematic and comprehensive understanding. The results indicate that mosque-based Islamic financial innovations have significant potential as instruments for village economic empowerment. Various forms, such as mosque-based Islamic financial institutions (BMT), productive waqf, Islamic cooperatives, and the establishment of mosque-based Islamic Microfinance Institutions (LKMS), have been proven to improve community welfare by strengthening access to financing, creating jobs, and developing micro-enterprises. A key finding of this study is that program sustainability is largely determined by the existence of regular evaluation and monitoring mechanisms, active community participation, and strong regulatory support. Therefore, mosque-based Islamic financial innovations have the potential to become an alternative model for inclusive, equitable, and sharia-compliant village economic development.
Co-Authors Al-Rasyid, Camelia Sofwan Lailasarry, Tania Mia Lasmi Wardiyah, Mia Lasmi Nurjaman, Muhamad Izazi Tamami, Ahmad