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All Journal Journal of Enterprise and Development (JED) Al-Qashdu: Jurnal Ekonomi dan Keuangan Syariah Jurnal Perbankan Syariah
Azizoma, Rusman
Unknown Affiliation
Economics, Econometrics & Finance

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ANALSIS KOMPARASI KINERJA KEUANGAN BANK MEGA SYARIAH MENGGUNAKAN METODE RGEC PADA MASA SEBELUM DAN SELAMA PANDEMI COVID-19 Azizoma, Rusman; Maulida, Fauzia Nindita
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 4, No 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v4i1.1292

Abstract

The COVID-19 pandemic has had an impact on all industrial sectors in Indonesia, one of which is the sharia banking sector. During the pandemic, banking performance experienced fluctuations in terms of deposits and debt financing; Bank Mega Syariah also experienced fluctuations in financial ratios and deposits, which could have an impact on the bank's financial performance. The purpose of this study is to evaluate Bank Mega Syariah's financial results utilizing the RGEC approach both before and after the COVID-19 epidemic. This study used quantitative research using a descriptive methodology. Data was acquired through the use of documentation methods. Financial ratio analysis utilizing the RGEC method is the data analysis method employed. The findings demonstrate that Bank Mega Syariah's financial performance, as measured by the RGEC technique, was superior to its pre-COVID-19 pandemic financial performance during the pandemic-affected period. This is shown by Bank Mega Syariah's ability to continue turning in a profit despite the COVID-19 pandemic's negative impact on the business environment. This accomplishment is demonstrated by the growth in several key business metrics, which were maintained, including bank profitability, finance distribution, and Third Party Funds.Keywords: Financial Performance; Bank Health Level; RGEC Method
PENGARUH PEMBIAYAAN MURABAHAH, TABUNGAN WADI’AH DAN DEPOSITO MUDHARABAH TERHADAP PROFITABILITAS (ROA) PADA BANK NTB SYARIAH KANTOR PUSAT KOTA MATARAM: PENGARUH PEMBIAYAAN MURABAHAH, TABUNGAN WADI’AH DAN DEPOSITO MUDHARABAH TERHADAP PROFITABILITAS (ROA) PADA BANK NTB SYARIAH KANTOR PUSAT KOTA MATARAM Azizoma, Rusman; Sumiati
Jurnal Perbankan Syariah Vol. 2 No. 1 (2023): Jurnal Perbankan Syariah
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jps.v2i1.7828

Abstract

This study aims to determine the effect of murabahah financing, wadiah savings and mudharabah deposits on profitability (ROA) at NTB Syariah banks for the 2019–2021 period. This type of research is quantitative research using secondary data from the monthly financial reports of Bank NTB Syariah for the 2019-2021 period and analyzed and processed using SPSS. The results of this study indicate that murabahah financing has a significant effect on profitability (ROA) with a significant level of 0.00 <0.05. Wadiah savings have a significant negative effect on profitability (ROA) with a significant level of 0.002 <0.05. Mudharabah deposits have a significant effect on profitability (ROA) with a significant level of 0.025 > 0.05. an influence contribution of 89.7%.
Nexus between Financial Performance and Stock Prices during the COVID-19: Evidence from Indonesian Islamic Banks Rahmawati, Naili; Azizoma, Rusman; Aminy, Muhammad Muhajir; Pratiwi, Bintang; Rooly, Mohamed Saleem Ahamed Riyad
Journal of Enterprise and Development (JED) Vol. 7 No. 2 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i2.13166

Abstract

Purpose: This study analyzes the impact of Return on Assets (ROA), Return on Equity (ROE), and Earnings Per Share (EPS) on the stock prices of Islamic banking companies listed on the Indonesian Stock Exchange during the COVID-19 pandemic (2020–2021), aiming to understand how key financial metrics influence stock valuations during economic uncertainty.Method: Using a quantitative approach, panel data regression analysis was conducted on a purposively selected sample of Islamic banking companies. The study assessed both individual and joint effects of ROA, ROE, and EPS on stock prices.Result: The results reveal that ROA, ROE, and EPS significantly affect stock prices, both individually and collectively. This indicates that profitability and earnings performance remain critical to market valuation even during crisis periods.Practical Implications for Economic Growth and Development: Findings offer practical value for investors and analysts using financial ratios to guide investment decisions. Bank managers can enhance shareholder value by improving these indicators, while policymakers may use the results to support the resilience of Islamic banking during economic disruptions.Originality/Value: This study contributes to the limited research on Islamic banking performance in crisis contexts by highlighting the continued relevance of fundamental financial indicators in influencing stock prices during the COVID-19 pandemic in an emerging market setting.
Co-Authors Aminy, Muhammad Muhajir Bintang Pratiwi, Bintang Maulida, Fauzia Nindita Naili Rahmawati Rooly, Mohamed Saleem Ahamed Riyad Sumiati