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Analisis Kinerja Keuangan Berdasarkan Rasio Likuiditas dan Solvabilitas Pada PT. Bank Muamalat Indonesia Tbk Karlina, Honi; Idwal, Idwal; Afrianty, Nonie
Disclosure: Journal of Accounting and Finance Vol. 4 No. 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/disclosure.v4i1.9623

Financial performance is an analysis that is carried out to see to what extent a company has implemented and applied the rules of financial enforcement properly and correctly. By measuring financial performance, it can be seen the prospects of growth and development of the company. A company is said to be successful when it has achieved a certain set performance. The purpose of this research is to find out the financial performance based on the ratio of liquidity and solvency in the PT. Bank Muamalat Indonesia Tbk period 2018-2022. This type of research is descriptive research with a quantitative approach. The sample in this study is the annual financial report of Bank Muamalat for the period 2018-2022. Data collection techniques are documentation and library with data analysis using miscrosof exel software. The research results show the financial performance of PT. Bank Muamalat Indonesia based on the liquidity ratio for the 2018-2022 period is in the unhealthy category. This can be seen from the quick ratio indicator in 2018-2020 in the unhealthy category but in 2021 and 2022 the healthy category, the cash ratio value in the unhealthy category, the loan to deposit ratio in the unhealthy category, the assets to loan ratio in the healthy category in accordance with Bank regulations Indonesia. Financial performance of PT. Bank Muamalat Indonesia based on its solvency ratio for the 2018-2022 period is in the healthy category. This can be seen from the Primary Ratio indicator in the healthy category. The secondary risk ratio indicator is in the unhealthy category. The capital ratio indicator is in the healthy category in accordance with Bank Indonesia regulations

PENGARUH TOTAL QUALITY MANAGEMENT TERHADAP KEPUASAN JAMAAH HAJI PADA KEMENTERIAN AGAMA KOTA BENGKULU Juwairiah, Juwairiah; Idwal, Idwal; Muttaqin, Faisal
JURNAL ILMIAH EDUNOMIKA Vol 8, No 4 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i4.15267

This research aims to determine whether there is a significant influence of total quality management on the satisfaction of Hajj pilgrims at the Ministry of Religion, Bengkulu Watuk City. To test this, the researcher used a quantitative descriptive method with a sample of 30 respondents. The data analysis technique used is simple linear regression using SPSS. From the results of the research and discussion, it was found that total quality management does not have a significant influence on the satisfaction of Hajj pilgrims from the Ministry of Religion of Bengkulu City.

Program Pendampingan Akses Pembiayaan Pada UMKM (Studi Pada Pengelolaan Limbah Jangkos Sawit) Pratama, Raju Putra; Idwal, Idwal; Sumarni, Yenti
ARSY : Jurnal Aplikasi Riset kepada Masyarakat Vol. 6 No. 3 (2025): ARSY : Jurnal Aplikasi Riset kepada Masyarakat
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/arsy.v6i3.1570

Tujuan dari pendampingan adalah untuk mengedukasi masyarakat khususnya para petani guna meningkatkan pemahaman tentang akses pembiayaan syariah untuk mengembangkan UMKM masyarakat pada pengelolaan limbah jangkos sawit di Desa Talang Rio Kecamatan Air Rami Kabupaten Mukomuko. Sebelum pendampingan dilaksanakan, banyak sekali warga Desa Talang Rio yang masih belum mengetahui mengenai akses pembiayaan berbasis syariah dan kurangnya edukasi mengenai akses pembiayaan. Dimana seharusnya akses pembiayaan ini bisa dimanfaatkan oleh Masyarakat untuk memulai, menjalankan dan mengembangkan UMKM dengan memanfaatkan hasil pengelolaan limbah jangkos sawit. Kemudian pada akhir pendampingan, dari kegiatan berupa Pendampingan akses pembiayaan, seminar pembahasan teori tentang produk pembiayaan, jenis akad pembiayaan, proses pengajuan, memahami prinsip syariah, serta keuntungan menggunakan pembiayaan syariah.

Analisis Tingkat Pemahaman Masyarakat di Desa Batu Bandung Kecamatan Pino Kabupaten Bengkulu Selatan Terhadap Lembaga Keuangan Mikro Syariah Rahina, Kinanti Shely; Idwal, Idwal; Setiawan, Adi
Al Maal: Journal of Islamic Economics and Banking Vol 5, No 1 (2024)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v5i1.9916

The aim of this research is to determine the understanding of the community in Batu Bandung Village, Pino District, South Bengkulu Regency towards sharia microfinance institutions. The research method uses descriptive using a qualitative approach. The results of the research show that the people of Batu Bandung Village, Pino District, South Bengkulu Regency do not understand the difference between conventional microfinance institutions and sharia microfinance institutions. The community's understanding of Batu Bandung Village, Pino District, South Bengkulu Regency regarding products at sharia microfinance institutions is only limited to fund distribution products such as murabahah and musyarakah financing, while other products such as murabahah savings, wadiah savings, bai'u bithaman ajil financing, financing ajil is not yet understood. The understanding of the people of Batu Bandung Village, Pino District, South Bengkulu Regency regarding contracts in sharia financial institutions is only limited to knowing murabah and musyarakah contracts, while other contracts such as qardh contracts, salam contracts, mudharabah contracts, ijarah contracts, jua’alah contracts and hiwalah contracts are not understood.

PENGARUH PENDAPATAN MARGIN MURABAHAH DAN PENDAPATAN IJARAH TERHADAP LABA BERSIH PADA BANK MUAMALAT INDONESIA PERIODE 2018-2022 Susantri, Saktia Hestu; Idwal, Idwal; Liza, Citra
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 2 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i2.12877

The purpose of this study is to determine whether there is a partial and simultaneous effect of Murabahah margin income and Ijarah income on net profit at Bank Muamalat Indonesia for the 2018-2022 period. To test this, researchers used descriptive quantitative methods with secondary data collection techniques in the form of Bank Muamalat Indonesia's annual financial statements for 2018-2022. The data analysis technique used is multiple regression using the SPSS program. From the results of research and discussion, it was found that Murabahah margin income and Ijarah income had no influence on net profit either partially or simultaneously.

PENGARUH TOTAL QUALITY MANAGEMENT TERHADAP KEPUASAN JAMAAH HAJI PADA KEMENTERIAN AGAMA KOTA BENGKULU Juwairiah, Juwairiah; Idwal, Idwal; Muttaqin, Faisal
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 4 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i4.15267

This research aims to determine whether there is a significant influence of total quality management on the satisfaction of Hajj pilgrims at the Ministry of Religion, Bengkulu Watuk City. To test this, the researcher used a quantitative descriptive method with a sample of 30 respondents. The data analysis technique used is simple linear regression using SPSS. From the results of the research and discussion, it was found that total quality management does not have a significant influence on the satisfaction of Hajj pilgrims from the Ministry of Religion of Bengkulu City.

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