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All Journal Jurnal Tabarru': Islamic Banking and Finance Iqtishoduna: Jurnal Ekonomi Islam RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Aghniya: Jurnal Ekonomi Islam Journal of Sharia Economics JURNAL MANAJEMEN AKUNTANSI (JUMSI) Proceeding International Seminar of Islamic Studies Journal Liaison Academia and Society Business and Investment Review Kreativitas Pada Pengabdian Masyarakat (Krepa) IIJSE Media Hukum Indonesia (MHI) Journal of Islamic Economics and Finance
Sihotang, Mutiah Khaira
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Journal : iijse

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Model of Sharia Bank Profitability Determination Factors by Measuring Internal and Externals Variables Sihotang, Mutiah Khaira; Hasanah, Uswah; Hayati, Isra
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 1 (2022): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i1.1949

Abstract

This study examines the influence of internal and external factors on profitability as proxied by Return on Assets (ROA), a study on Islamic Commercial Banks for the 2016-2020 period. In the theory of profitability, there are 2 factors that affect bank profitability, namely internal factors and external factors. Internal factors in this study are BOPO (Operating Expenses to Operating Income), Non-Performing Financing (NPF), Financial to Deposit Ratio (FDR) and external factors in this study are inflation and the money supply. Profitability is one of the most important factors in a company, including Islamic financial institutions, in this case Islamic banks, so that every company must pay attention to the company's profitability ratios. Islamic banks are financial institutions that just started to emerge in the late 90s and have a very high level of competition with conventional banks. For this reason, this study aims to look at the financial performance of Islamic banks in Indonesia through the level of profitability they have had for the last 5 years. The sample selection in this study used purposive sampling method. The sample in this study is the monthly financial statements of Islamic commercial banks in Indonesia in 2016-2020. The data in this study will be processed using SPSS software with multiple regression. The results of this study state that inflation as an external factor does not have a significant effect on the profitability of Islamic Commercial Banks as measured by the Return on Assets (ROA) ratio with a significance level of 0.628 and the money supply has a significant effect on ROA. While the BOPO, NPF and FDR variables as internal factors have a significant effect on ROA.
Management Model of Cash Waqf for University Hayati, Isra; Sihotang, Mutiah Khaira; Hamdani, Lukman
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 2 (2022): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i2.2356

Abstract

Currently, many campuses have implemented operational fund management through waqf, including the Al-Azhar Egypt campus, Unida Gontor, UII Yogyakarta, and Darunnajah waqf. However, on the other hand, there are still many aspects of management as well as data and management that have not been digitized and published in general. so that this becomes a problem of waqf accountability itself. The purpose of this study is to clearly know the pattern of cash waqf management at the Unida Gontor and MUI campuses and be able to implement this model on all campuses. The methodology of this research is descriptive qualitative with an ANP analysis tool. The results show there are 3 problems in this cash waqf model. Among other things, the HR factor with a rather agreement value of 2%, universities with a rather agreement value of 12% and the operational value of rather agreement at 1%, and the strategy, namely the synergy between BWI and universities, using local wisdom and being used as waqf as a lifestyle with the rather agreement value by 16%.
Deli River Tourism Educational Model by Avros Park in Developing Economic Potential Hasanah, Uswah; Sihotang, Mutiah Khaira
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 1 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i1.2358

Abstract

A tourist attraction that can be developed to support the community’s economy is natural resources. One of the natural resources is a river. The river as a source of water is very important in meeting the needs of society and enhancing national development. This is also intended as an implementation of the provisions of Law Number 11 of 1974 concerning irrigation, namely that in the context of utilizing and preserving rivers, it is deemed necessary to make arrangements regarding rivers which include protection, development, use, and control of rivers with government regulations. Deli River is one of the rivers in the city of Medan, which, if you look at history during the Deli kingdom, was the vein of trade. However, it is very unfortunate that at this time the existence of the Deli River was starting to be polluted by the large amount of river pollution carried out by the community. The efforts to preserve the river are carried out by Avros Park Medan, through its tourism vehicles trying to provide education to the public working with foundations concerned with the river environment. The purpose of this research is to conduct an assessment of the tourist education model that can be developed by Avros Park in an effort to preserve the environment of the Deli River and in an effort to attract tourists to visit Avros Park. The type of research is descriptive with a qualitative approach. Data collection was carried out through observation, interviews, and documentation studies. The design of the educational tourism model in this research consists of a tutorial and exploratory educational method.
Determination Model of Housing Purchase Decision with Sharia System without Bank Sihotang, Mutiah Khaira; Hasanah, Uswah; Nst, Salman
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3953

Abstract

Housing is a primary need that must be fulfilled. The choice of a comfortable place to live is a dream for every family. Seeing this fact, developers are trying to meet the needs of the community in various ways. Currently, Islamic housing is one of the potential businesses due to the high demand for this. The high demand for Islamic housing shows that people's financial literacy is getting better. The community seriously wants to stay away from usury practices including home ownership. This study aims to determine the determination of non-bank Islamic housing purchase decisions. The dependent variable used in this study is price. Residential environment, religiosity, and housing quality. The sampling method used is the saturated sample method or total sampling, namely, all populations are sampled. The number of samples in this study was 112 people. In this study, multiple linear regression tests were carried out. Before performing multiple regression, classical assumption tests and data quality tests were first carried out. All test stages and data analysis were carried out with the help of SPSS. The results of this study state that the variables of housing environment, religion, and housing quality have a significant effect on purchasing decisions for housing with a non-bank Islamic system. While the price variable has no significant effect on the decision to purchase housing with a non-bank sharia system. This can be seen from the t test with a significance value > 0.05. Future research is expected to be able to expand the range of variables and make research even better because the demand for sharia housing without banks is increasing.
Co-Authors Alfikri, Muhammad Nabil Aqilah Hafizhah Elyana, Suherti Nur Fajri, Ridho Laksamana Gadis Aginta Hamdani, Lukman Husein, Ali Isra Hayati Kurnia, Efry Laila, Yusti Marbun, Miftahul Ilmi Mawar Marisa Mutiara Annisa Nasution, Aulia Syarif Nst, Salman Oktavia, Fiya Rahmayati Rahmayati, Rahmayati Ramadhi, Ade Wahyu Salman Alfarisi Saputri, Mitha Simanjuntak, Irma Damayanti Siregar, Mhd Ridwan Husein Sitorus, Mhd Gifari Uswah Hasanah Utami, Mega Wirayuda, Fatah