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All Journal Al-Sharf: Jurnal Ekonomi Islam Riwayat: Educational Journal of History and Humanities
Marlis Tanjung, Ami Nullah
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Humanities Economics, Econometrics & Finance Education Social Sciences

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The Influence of Third-Party Funds, Financing-to-Deposit Ratio, and Non-Performing Financing on Financing at PT Bank Muamalat with Total Assets as an Intervening Variable Marlis Tanjung, Ami Nullah
Riwayat: Educational Journal of History and Humanities Vol 7, No 4 (2024): October, Social Issue and Education
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v7i4.47086

Abstract

This study aims to examine and analyze the relationships betweenThird-Party Funds and both Financing and Total Assets,Non-Performing Financing (NPF) and both Financing and Total Assets, and Financing-to-Deposit Ratio (FDR) and Financing at Bank Muamalat during the 2016-2020 research period.The research employs time-series secondary data collected from quarterly financial reports published by Bank Muamalat. Analytical methods include Descriptive Analysis, Classical Assumption Testing, and Path Analysis utilizing LISREL software version 8.8.At a 5% significance level, the path analysis results reveal several key findings: First, Third-Party Funds significantly affect the intervening variable of Total Assets, while Non-Performing Financing shows no significant impact on Total Assets. Second, both Third-Party Funds and Financing-to-Deposit Ratio demonstrate significant influence on Financing. Conversely, neither Total Assets nor Non-Performing Financing exhibit significant effects on Financing at Bank Muamalat during the study period.Keywords : Third Party Funds, Non Performing Financing,Financing of Deposit Ratio, Total Assets and Financing
Pengaruh Total Aset Dan Dana Pihak Ketiga Terhadap Pembiayaan Pada Bank Muamalat Indonesia Tahun 2020 Sampai Dengan 2021 Marlis Tanjung, Ami Nullah; Harahap, M Guffar; Fahmi, Aswin; Radiansyah, M
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 2 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i2.11569

Abstract

The rapid growth of sharia banking today, accompanied by the increasing number of sharia banking customers, is an interesting phenomenon amidst the dual banking system. This research aims to determine and analyze the influence of Total Assets and Third Party Funds on Financing at Bank Muamalat Indonesia from 2020 in the first quarter to the fourth quarter of 2021. The results of the analysis using the statistical t test with significance (α) = 0.05 using the sig value from the SPSS output obtained a significance value for each independent variable Total Assets (0.00) and DPK (0.655). Only the Total Assets variable has a partial influence on financing, while the Third Party Funds variable is far above the significance of 0.05 and this indicates that there is no partial influence on financing. The results of the analysis using the F test with significance (α) = 0.05 obtained a significance of 0.000. This value is not greater than the significance value of 0.05 and this shows that there is a significant relationship between Total Assets and Third Party Funds on simultaneous financing.
Analisis Tingkat Non Performing Financing Terhadap Profitabilitas Pasca Pandemi Covid 19 Tahun 2019 Sampai Dengan 2022 Marlis Tanjung, Ami Nullah; Harahap, M. Guffar; Fahmi, Aswin; Syah, M. Radian
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 1 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i1.11463

Abstract

This research aims to analyze the impact of the COVID-19 pandemic on the financial sector, specifically focusing on the level of Non-Performing Financing (NPF) and profitability of financial companies. This study involves a research period from 2019 to 2022. By utilizing financial and operational data, this research investigates trends and correlations between NPF levels and profitability. The COVID-19 pandemic has created profound changes in the global economic environment, triggering new uncertainties and challenges for financial companies. This analysis seeks to understand the extent to which these changes impact a company's financial health, primarily through the lens of NPF and profitability. The main findings of this research include identifying trends in NPF and profitability over the study period, analyzing the correlation between the two, and mapping with pandemic events. Comparisons with industry and competitors are also made to provide broader context. It is hoped that the results of this analysis will provide valuable insights for practitioners, academics and policy makers. By better understanding the changing dynamics in the financial sector post-pandemic, it is hoped that companies can take appropriate steps to increase the resilience and continuity of their operations in the future. This research may also stimulate interest in further research in this domain, paving the way for a deeper understanding of adaptation and innovation in the face of global economic challenges.
Analysis of the Impact of Operational Efficiency (BOPO) and Profitability (ROA) on Credit Distribution at Bank Muamalat Indonesia (2018-2023) Marlis Tanjung, Ami Nullah
Riwayat: Educational Journal of History and Humanities Vol 8, No 2 (2025): April, Culture and Identity
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v8i2.47104

Abstract

This study examines the influence of the Operational Efficiency Ratio (BOPO) and Return on Assets (ROA) on credit distribution at Bank Muamalat Indonesia (2018-2023) using a quantitative approach with secondary data from annual financial reports. The analytical methods include descriptive analysis and linear regression with classical assumption testing.The results indicate that high BOPO levels (averaging 98.42%) negatively affect credit distribution, except in 2022 when a BOPO reduction to 96.62% led to a 4.3% increase in credit. Low ROA (0.1%) also demonstrated positive effects, where an ROA increase to 0.09% in 2022 similarly contributed to 4.3% credit growth. These findings underscore the critical importance of operational efficiency and profitability in the credit distribution performance of Islamic banking institutions.Keywords : BOPO (Operating Expense to Operating Income Ratio), ROA (Return on Assets),Financing.
Co-Authors Fahmi, Aswin Harahap, M Guffar Harahap, M. Guffar Syah, M. Radian