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Faktor-Faktor yang Mempengaruhi Tingkat Bagi Hasil Deposito Mudharabah pada Bank Umum Syariah selama Pandemi COVID-Periode 2019-2021 Rosmelina, Helmi; Adetio Setiawan, Romi; Hariyadi, Rizky
Indonesian Journal of Islamic Economics and Business Vol. 9 No. 1 (2024): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v9i1.2271

Abstract

This study aims to analyze the factors influencing the profit-sharing level of mudharabah deposits in Islamic commercial banks both partially and simultaneously during the COVID-19 pandemic in Indonesia from 2019 to 2021. The dependent variable in this study is the profit-sharing rate of mudharabah deposits, while the independent variables include Financing to Deposits Ratio (FDR), Non-Performing Financing (NPF), and Inflation. The population comprises Islamic commercial banks operating in Indonesia that have published comprehensive financial reports during the vulnerable period from 2019 to 2021. Following the selection process, the target population consists of five banks, namely BCA Syariah Bank, Mega Syariah Bank, Panin Dubai Syariah Bank, Bukopin Syariah Bank, and Victoria Syariah Bank. The sampling method employed in this study is a nonprobability sampling technique using purposive sampling. The results indicate that both partially and simultaneously, the variables Financing to Deposits Ratio (FDR), Non-Performing Financing (NPF), and Inflation significantly affect the profit-sharing level of mudharabah deposits. The Coefficient of Determination (R2) reveals that in this study, all independent variables contribute to the dependent variable by 60.9%. The remaining 39.1% is influenced by other variables not included in this study, such as Capital Adequacy Ratio (CAR), interest rates, and other factors.
Evaluasi Kinerja Keuangan Bank Muamalat Indonesia Menggunakan Metode RGEC dan Islamicity Performance Index Periode 2016-2020 Yulianti, Chika Dwi Rahma; Wahyuni, Eka Sri; Hariyadi, Rizky
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v8i2.3719

Abstract

This study aims to determine the financial performance of Bank Muamalat Indonesia (BMI) for the 2016-2020 period. The study used descriptive quantitative methods. Evaluation of the financial performance of Bank Muamalat Indonesia (BMI) is carried out using the REGC method and the Islamicity Performance Index method. The results of the assessment of the financial performance of Bank Muamalat Indonesia (BMI) using the REC (Risk Profile, Earnings, and Capital) method can be concluded that the performance of Bank Muamalat Indonesia (BMI) for the 2016-2020 period is in good condition. The results of the evaluation of sharia financial performance based on the Islamicity Performance Index show that the sharia performance of Bank Muamalat Indonesia (BMI) for the 2016-2020 period is in poor condition, but BMI is the first Islamic bank and is still a bank that has made efforts to implement sharia principles and its social obligations as an Islamic bank.
PENDAMPINGAN PENGELOLAAN KEUANGAN UMKM DI BENGKULU TENGAH Saputri, Devy Kurnia; Supardi, Supardi; Hariyadi, Rizky
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 6 No. 1 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

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Abstract

Pengabdian Masyarakat ini bertujuan memberikan pemahaman serta pelatihan pengelolaan keuangan bagi UMKM dengan mnggunakan akuntansi agar dapat mengelola keuangannya dengan lebih baik, serta membantu UMKM dengan mudah menggunakan akuntansi untuk mengelola kinerja keuangan bisnis mereka, agar dapat semakin meningkat. Pengabdian Masyarakat ini dilakukan di Desa Kroya Kec Pagar Jati Kab Bengkulu Tengah. Hasil dari pelaksanaan kegiatan ini menunjukan bahwa UMKM dapat menyusun laporan keuangan sehingga meningkatkan tranparansi, efesiensi, dan akurasi keuangan, dengan pemahaman akuntansi UMKM dapat membuat keputusan dengan berbasis data, UMKM dapat memperbaiki pencatatan keuanganya, dan mengoptimalkan pengambilan keputusan, UMKM mengerti peran penting, konsep dasar, dan siklus akuntansi yang dulu mereka tidak mengerti. Kata Kunci : Akuntansi, Pengelolaan Keuangan, UMKM.
PEMBERDAYAAN IBU-IBU PKK DENGAN MENERAPKAN METODE PARTICIPATORY LEARNING AND ACTION (PLA) MELALUI PROSES PRODUKSI DAN PEMASARAN SYARIAH DALAM MENGOLAH MINYAK JELANTAH MENJADI SABUN CUCI PIRING CAIR UNTUK MENINGKATKAN PENDAPATAN RUMAH TANGGA Dinata, Roza Lia; Wahyuni, Eka Sri; Hariyadi, Rizky
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 6 No. 2 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

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Abstract

Pengabdian ini dilakukan di Desa Tanjung Aur II Kecamatan Pino Raya Kabupaten Bengkulu Selatan. Pengabdian ini bertujuan untuk mengeduksi dan memberikan pelatihan kepada ibu-ibu PKK, yang menjadi objeknya adalah ibu-ibu PKK Desa Tanjung Aur II. Dalam kegiatan pengabdian ini peneliti menggunakan metode Participatory Learning And Action (PLA). Fokus utama dari kegiatan ini adalah mengolah minyak jelantah menjadi sabun cuci piring, yang tidak hanya ramah lingungan tetapi juga memiliki nilai ekonomis. Metode PLA dalam program pengabdian masyarakat dilakukan dengan tahapan berikut: a. pra pelatihan, b. edukasi, c. pelatihan, d. evaluasi. Dari hasil penelitian dalam bentuk eduksi dan pelatihan terhadap ibu-ibu PKK Desa Tanjung Aur II dapat dikatakan berhasil memberikan pemahaman tentang proses produksi dan pemasaran syariah serta pemanfaatan limbah minyak jelantah. Terlihat dari antusias masyarakat dalam kegiatan edukasi dan pelatihan mendapatkan respon yang sangat baik dari khalayak sasaran dengan menumbuhan kesadaran masyarakat akan pemanfaatan minyak jelantah, sehingga masyarakat berminat untuk mencoba produk sabun cuci piring yang telah dihasilkan. Kata kunci: Proses Produksi, Pemasaran Syariah, Minyak Jelantah, Pendapatan Rumah Tangga.
PENGARUH PENGETAHUAN, MODAL, DAN RISIKO INVESTASI TERHADAP MINAT INVESTAS MAHASISWA (Studi pada Mahasiswa Perbankan Syariah UIN Fatmawati Sukarno Bengkulu) Aulia, Huzaifah; Mursalin, Supardi; Hariyadi, Rizky
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14559

Abstract

This study aims to determine how much influence knowledge, capital, and investment risk have on students' investment demand. The population in this study is all Sharia Banking students of UIN Fatmawati Sukarno Bengkulu. With a sample of 86 students. The research method uses quantitative methods with an associative quantitative approach. The research instrument used is by distributing questionnaires. This research data analysis technique is multiple linear regression to test the research hypothesis using t test and f test using SPSS 16 For Windows Software application. The results showed that the variables of knowledge (X1), capital (X2), and investment risk (X3) had a positive and significant influence on students' investment interest. So it can be said that the hypothesis is accepted.
Pengaruh Penerapan Good Corporate Governance Return On Asset Dan Ukuran Perusahaan Terhadap Nilai Perusahaan(Studi Longitudinal Pada Perusahaan Asuransi Syariah Yang Terdaftar Di Bursa Efek Indonesia) Threy Wahyu, Agung; Adetio Setiawan, Romi; Hariyadi, Rizky
ILTIZAM Journal of Shariah Economics Research Vol. 9 No. 2 (2025): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/zhgcd657

Abstract

ABSTRACT This study aims to examine and substantiate, through empirical evaluation, the ramifications of Good Corporate Governance (GCG) enactment, Return on Assets (ROA), and organizational magnitude upon the valuation of enterprises within the Islamic insurance domain. The investigatory locus encompasses sharia-compliant insurers—comprising general takaful entities, re-takaful institutions, and wholly sharia-oriented corporations—authorized under the auspices of the Financial Services Authority (OJK). Conceptually, GCG is construed as an integrated managerial framework purposed to augment stakeholder equity, pivoting upon two cardinal doctrines: (1) the prerogative of proprietors to access lucid and verifiable disclosures, and (2) the corporate imperative to furnish accurate, timely, and transparent reporting. Methodologically, this study adopts a quantitative paradigm employing multiple linear regression analysis via the SPSS v26 analytical suite. The investigational cohort was delineated through a purposive sampling strategy, sourced from a census of 32 OJK-registered sharia insurance institutions listed on the official portals of the OJK and the Indonesia Stock Exchange, culminating in a representative subset of four firms. Empirical outcomes elucidate that GCG implementation exerts a statistically significant inverse influence on enterprise valuation. Conversely, ROA manifests a positive and significant association with firm worth, while organizational scale reveals a significant negative correlation. In light of these deductions, it is posited that sharia insurance operators ought to fortify their corporate valuation by advancing GCG enactment synergistically with optimized ROA performance, while strategically calibrating institutional size for value maximization. Keywords: Good Corporate Governance, Return On Assets, Company Size and Company Value