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PENGARUH UKURAN ASET, EQUITY TO TOTAL ASSETS, DAN CAPITAL ADEQUACY RATIO TERHADAP KINERJA KEUANGAN BANK UMUM SYARIAH A'laa, Syariful; Sahliyah, Fatihatus
NISBAH: Jurnal Perbankan Syariah Vol. 11 No. 1 (2025): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v11i1.19556

Abstract

Penelitian ini mengeksplorasi hubungan antara komponen keuangan internal yaitu volume aset, komposisi ekuitas, dan kecukupan modal dan profitabilitas Bank Umum Islam di Indonesia, menggunakan pengukuran Return on Assets, selama periode 2012 hingga 2022. Dengan menggunakan pendekatan kuantitatif deskriptif dengan regresi data panel, penelitian ini memanfaatkan data sekunder yang bersumber dari laporan keuangan bank resmi dan laporan dari Otoritas Jasa Keuangan. Hasil penelitian menunjukkan bahwa setiap indikator keuangan berdampak signifikan terhadap profitabilitas dengan sendirinya, dan secara kolektif, mereka juga memberikan pengaruh substansial terhadap kemampuan bank untuk menghasilkan pengembalian dari aset mereka. Analisis ini menyoroti bahwa basis modal yang kuat dan pangsa ekuitas yang lebih tinggi sangat penting dalam meningkatkan kinerja keuangan bank.
STRENGTHENING HALAL VALUE CHAIN AS A GUARANTEE OF HALAL PRODUCT AT SLAUGHTERHOUSES: CASE OF A CHICKEN SLAUGHTERHOUSE IN SEMBAYAT AREA Hasanah, Niswatun; Sahliyah, Fatihatus; Alamsyah Harahap, Syamsir; Cathliniyah Zerlindah, Clairina
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 9 No 1 (2025): Juni
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v9i1.24498

Abstract

This research aims to analyze the halal value chain of slaughter and processing in broiler chicken businesses at AFJ JAYA Sembayat from an Islamic economic perspective, as well as consumers' views of the halal value chain in these businesses. The research method used in this research is field research using a descriptive qualitative approach. Primary data was obtained through in-depth interviews with slaughterhouse managers and consumers. The results of the research show that the halal value chain practices for the chicken slaughter process at AFJ JAYA Sembayat comply with the provisions with MUI Fatwa Number 12 of 2009’s requirements concerning Halal Slaughter Certification Standards. However, chicken processing practices are not by the provisions of MUI Fatwa Number 12 of 2009 because they do not separate dirty and clean spaces. Due to business owners' ignorance of the significance of halal certification for the chicken slaughterhouse sector, AFJ JAYA Sembayat does not currently hold halal certification. However, consumers still choose to continue purchasing because they feel confident that the chicken meat is halal and high-quality. All of this is purely caused by a lack of halal literacy, so ongoing counseling and assistance are necessary.
Financial Rasio indicators and profitability in Islamic Bank: The Moderating Effect of Size and Age Bank Syahadatina, Zahwa; Lestari, Kurnia; Sahliyah, Fatihatus
Journal of Financial and Behavioural Accounting Vol. 5 No. 1 (2025)
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/jfba.v5i1.12032.2025

Abstract

Indonesia's Islamic banking sector demonstrates strong development based on financial performance. This study is to find the effect on return on assets of financial ratios, capital adequacy ratio, non-performing financing, and financing to deposit ratio, using size and age as moderating factors. This will enable one to determine whether age and size of banks affect the correlation between these financial parameters and return on assets. Using secondary data on Islamic commercial banks in Indonesia between 2011 – 2023 with total 119 bank-year observations. This work applies a quantitative research approach. This analysis reveals that despite non-performing financing reduces return on assets, the capital adequacy ratio and financing to deposit ratio improve these indices. By using moderation regression analysis, banks can increase the impact of the financing ratio on deposits and the capital adequacy ratio on return on assets.
Public Interest in the Savings Product Tabungan Berjangka Sejahtera (TBS) (Case Study at KSPPS Bina Syari’ah Ummah East Java) Mazlin, Ely Rosita; Harahap, Syamsir Alamsyah; Sahliyah, Fatihatus
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 3 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i3.12491

Abstract

This study aims to determine community interest in savings products Tabungan Berjangka Sejahtera (TBS) at KSPPS Bina Syari’ah Ummah East Java. This study was conducted with a qualitative approach, the procedure in this approach is that researchers collect descriptive data about people’s behavior and words. In addition, the type of research carried out is field research, which aims to study in depth the background and current conditions. The data analysis techniques used are data reduction, data presentation and drawing conclusions. The research results show that: Public interest in savings products TBS is influenced by various factors including individual factors, environmental factors and marketing factors. The main benefits of savings products TBS include the potential for higher returns, direct prizes and flexibility in taking profit sharing. The development of more attractive features and more targeted market targeting with customized offers is expected to increase the attractiveness of savings products TBS at KSPPS Bina Syari’ah Ummah without changing the variation of the storage period.
THE IMPACT OF MICRO AND SMALL INDUSTRIES, INFLATION, AND OPEN UNEMPLOYMENT ON ECONOMIC GROWTH IN GRESIK REGENCY (2021-2023) Zerlindah, Clairina Cathliniyah; Sahliyah, Fatihatus; Harahap, Syamsir Alamsyah
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 02 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i02.8632

Abstract

This study aims to analyze the effect of micro and small industries, inflation, and open unemployment on economic growth in Gresik Regency. Economic growth is an important indicator in measuring the success of regional development, so understanding the factors that influence it is very important for the formulation of appropriate policies. This type of research is quantitative research with an explanatory approach. The data used is secondary data in the form of annual data from 2021 to 2023 obtained from the Gresik Regency Statistics Agency. The analysis methods used are descriptive statistics, multiple linear regression, coefficient of determination, classical assumption test and hypothesis testing. The results showed that the growth of micro and small industries was found to have a positive, but statistically insignificant effect on economic growth. Meanwhile, inflation and open unemployment have a negative significant effect on economic growth in Gresik Regency. These findings indicate the importance of developing the micro and small industry sector as well as controlling inflation and unemployment to support sustainable economic growth in Gresik Regency.