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Pengaruh CAR, FDR dan  NPF terhadap ROA Perbankan Syariah dengan PBH sebagai Variabel Moderating solika, siti lina; Annisa, Arna Asna
Jurnal Keuangan dan Perbankan Syariah Vol 2 No 2 (2023): Desember 2023
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v2i2.426

Abstract

This study aims to determine the effect of the Capital Adequacy Ratio (CAR), Financing to Debt Ratio (FDR) dan Non Performing Financial (NPF) to Profitabilityat Islamic Commercial Banks with Profit Sharing Financing as the Moderating variable. This research uses quantitative research using multiple linear regression analisys. The data in this study are secondary data, with the population of Islamic Commercial Banks in 2016-2020. The sampling technique used purposive sampling and obtained a sample of 10 Islamic Commercial Bank that met the criteria. The analysis tool uses the Eviews 9 application. Based on the f test, it is known that simultaneously the variable CAR, FDR, NPF and Profit Sharing Financing have an effect on Profitability. From the R2 test, it is known that the independent variable in this study affects the dependent variable by 99,6%. Based on the t-test, the result show that CAR has a significant positive effect on Profitability, FDR has no effect on Profitability, NPF has no significant positive effect on Profitability, Profit Sharing Financing has no effect on Profitability. From the result of the MRA test, it is known that PBH strengthens the effect of CAR on Profit Sharing Financing, PB weakens the influence of FDR on Profitability, while PBH is unable to moderate the effect of NPF Profit Sharing Financing.
Shaping Curriculum in State Islamic Religious Universities (PTKIN) to Match the Job Market Annisa, Arna Asna; Puspita, Rosana Eri
Muslim Education Review Vol. 1 No. 2 (2022)
Publisher : UIII Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56529/mer.v1i2.76

Abstract

The high unemployment rate at the graduate level is a matter of concern. State Islamic Religious Universities (PTKIN) as a producer of scholars who have core religious values must be able to provide solutions to reduce the unemployment rate in Indonesia. The purpose of this study is to analyze how the curriculum implemented at PTKIN compares to the experience of PTKIN alumni at work to find out whether the needs of alumni have been met during lectures. The focus of analysis in this research is PTKIN campuses in Indonesia. The samples in this study were representatives of PTKIN with various accreditation scores of Superior (UIN Sunan Kalijaga Yogyakarta), A (UIN Walisongo Semarang), and B (IAIN Salatiga) as well as alumni from each PTKIN. Through qualitative data analysis using Atlas t.i, it was found that there is still a gap between the curriculum that applies at PTKIN and the needs of the job market. Even though academic tools at universities are already available, alumni feel they have to learn on their own to gain the competencies needed according to the job positions they have. This finding provides a reference for the Ministry of Religion, PTKIN, and related agencies to produce a curriculum that better accommodates students’ competencies needed to do their jobs.
The Influence of Price, Product Quality, and Halal Knowledge on Purchase Decisions for Fiesta Chicken Nugget Products with Purchase Intention as an Intervening Variable (Study on Consumers in Salatiga City) Lisdiani, Nur Linna Isti; Annisa, Arna Asna
Invest Journal of Sharia & Economic Law Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i1.3830

Abstract

Halal and non-halal meat zoning policies impact consumer intentions for a product. The product, Fiesta Chicken Nugget in Salatiga, is one of them. Whether positive or negative, the policy will impact the sale of processed meat products. This research is based on the background of processed chicken meat products, namely Fiesta Chicken Nugget in Salatiga, which is affected by the Halal Zoning policy. The study aimed to determine the effect of price, product quality, and consumer knowledge of halal on purchasing decisions for Fiesta Chicken Nugget products in Salatiga City, with buying interest as an intervening variable. This research uses quantitative research. The sampling technique used purposive sampling with a total of 100 respondents. This study conducted validity, reliability, correlation coefficient, determination coefficient, regression analysis, t-test with SPSS application and Sobel analysis to test the effect of intervening variables. The results of the hypothesis stated that price, product quality, halal knowledge, and buying interest had a positive and significant effect on purchasing decisions. While the study's results indicate that price and product quality affect buying interest, halal knowledge does not. Then the price, halal knowledge and buying interest do not affect purchasing decisions, but product quality does affect the Fiesta Chicken Nugget product.
What Non-Muslims Say About Halal-Certified Products? Annisa, Arna Asna; Hartiningsih, Sepia; Kholifah, Siti; Rahmawati, Fatimah; Iskandar, Iskandar
Journal of Digital Marketing and Halal Industry Vol. 4 No. 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2022.4.2.13140

Abstract

The growth of the halal industry can be influenced by consumer behavior towards purchasing decisions for halal products. On the other hand, people's halal consumption patterns are influenced by halal literacy in heterogeneous societies. This study aims to find out how the attitudes of non-Muslim communities in Salatiga City regarding halal-certified products. The research method used is a qualitative method and is descriptive. The sample for this research was taken from 5 non-Muslim residents in the City of Salatiga who represented Catholicism, Protestant Christianity, Hinduism, Buddhism and Confucianism. This field research was carried out by asking questions through interviews with informants. The results of the study showed that the interviewees stated that they strongly agreed to choose halal-certified products, chose useful products and considered halal-certified products to be products with guaranteed quality and cleanliness. The resource person is neutral in feeling anxious when not consuming halal-certified products, and in choosing products that are not halal-certified. The concern of resource persons for halal-certified products is general in nature, each resource person has many considerations. Based on the research results, this can be used as a recommendation for halal literacy policies for heterogeneous communities. with a socio-cultural approach
Pengaruh NPF, FDR, dan BOPO terhadap tingkat bagi hasil deposito mudharabah: ROA sebagai variabel moderating Damayanti, Aninda Eva Riri Indah; Annisa, Arna Asna
Journal of Accounting and Digital Finance Vol. 1 No. 1 (2021): Journal of Accounting and Digital Finance
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (262.514 KB) | DOI: 10.53088/jadfi.v1i1.17

Abstract

This study aims to analyze the effect of non-performing financing, financing to deposit ratio, and operational costs and operational income on the profit-sharing rate of mudharabah deposits with return on asset as a moderating variable. This research is quantitative research with data panels. The population in this study was 14 Islamic Commercial Bank in Indonesia for the period 2015-2019. The sample selection used the purposive sampling method. The analysis technique used is multiple linear regression analysis. The results found that non-performing financing and operational costs and operational income have a negative effect on the profit-sharing rate of mudharabah deposits. However, the financing to deposit ratio has a positive effect on the profit-sharing rate of mudharabah deposits. Return on assets does not moderate the non-performing financing and financing to deposit ratio variable but does moderate operational costs and operational income variable on the profit-sharing rate of mudharabah deposits.
Overview Faktor Penentu Nilai Perusahaan Agustin, Isni; Annisa, Arna Asna
Journal of Accounting and Digital Finance Vol. 1 No. 2 (2021): Journal of Accounting and Digital Finance
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (313.914 KB) | DOI: 10.53088/jadfi.v1i2.81

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This research aims to analyze the effect of debt-to-equity ratio, return on asset, and current ratio on firm value as measured by economic value added. This research is quantitative research with use regression analysis. This research used secondary data sourced from the annual report of Islamic commercial banks for 2015–2020. The population in this research was 14 Islamic commercial banks in Indonesia for 2015-2020. The sample selection in this study uses purposive sampling to ensure 11 Islamic commercial banks. The results found that the debt-to-equity ratio has a negative and insignificant effect on firm value, return on assets has a positive and significant effect on firm value. The current ratio has a positive and significant effect on firm value. Meanwhile, Islamic social reporting can moderate the relationship between debt-to-equity ratio and return on assets to firm value but cannot moderate the current ratio and firm value.
Pengaruh dewan pengawas syariah, ukuran perusahaan dan investment account holder terhadap pengungkapan Islamic social reporting dengan profitabilitas sebagai variabel moderating Hariyanti, Anik; Annisa, Arna Asna
Journal of Accounting and Digital Finance Vol. 1 No. 3 (2021): Journal of Accounting and Digital Finance
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (420.978 KB) | DOI: 10.53088/jadfi.v1i3.127

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The study examined the effect of DPS (sharia supervisory board), size, and investment account holder on Islamic social reporting with profitability as moderating variable (a case study of sharia commercial banks registered at OJK 2015-2020). The type of research is quantitative by using moderated regression analysis (MRA) as data analysis and using secondary data in the form panel. Based on the study results, it is shown that partially the DPS (sharia supervisory board), size, investment account holder have positive and significant on Islamic social reporting. Profitability can moderate the effect of size on Islamic social reporting but negatively moderate the DPS (sharia supervisory board) and investment account holder on Islamic social reporting.
Analisis pengaruh kualitas layanan, corporate image, dan customer relationship management terhadap loyalitas nasabah dengan kepuasan nasabah sebagai variabel intervening Kuswandarini, Krisna Issri; Annisa, Arna Asna
Journal of Management and Digital Business Vol. 1 No. 1 (2021): Journal of Management and Digital Business
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (418.562 KB) | DOI: 10.53088/jmdb.v1i1.46

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This study aims to determine and analyze the influence of service quality, corporate image, and customer relationship management (CRM) on customer loyalty with customer satisfaction as an intervening variable (study at Bank Syariah Indonesia branch office Semarang). This research is a quantitative research using primary data. The analysis method uses a path analysis approach. The test results show that service quality, customer relationship management, and satisfaction positively affect loyalty. The corporate image does not affect loyalty. Service quality and corporate image have no positive effect on satisfaction. Customer relationship management has a positive effect on satisfaction. Path analysis test shows that the satisfaction variable acts as a mediation between the influence of service quality, corporate image, customer relationship management on customer loyalty at bank BSI branch office Semarang.
The effect of corporate social responsibility, capital structure, and current ratio on profitability with firm size as moderating variables on companies in the Jakarta Islamic Index (JII) 2016-2020 Fitriyani, Arum Teguh; Annisa, Arna Asna
Journal of Islamic Economics Management and Business (JIEMB) Vol. 3 No. 2 (2021)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2021.3.2.11323

Abstract

Profitability is a measurement of a company’s financial performance in generating profits. This study aims to determine the factors that affect profitability by analyzing the relationship between corporate social responsibility, capital structure, and current ratio on company profitability moderated by company size. This research is quantitative, with a population of 30 companies listed on the Jakarta Islamic Index (JII). The sampling technique used was the purposing sampling technique, as many as 12 companies registered at JII for the 2016-2020 period. The data analysis technique in this study used descriptive statistical data analysis. This research shows that corporate social responsibility significantly influences profitability, and capital structure negatively impacts profitability. The current ratio does not have a significant influence on profitability. Firm size does not significantly influence profitability, and the firm size can moderate corporate social responsibility, capital structure, and a current ratio of profitability. This research contributes to Islamic accounting and provides information about factors
Pengaruh GCG, Intelectual Capital, dan CAR Terhadap Kinerja Keuangan dengan ISlamic Social Reporting Indek Sebagai Variabel Intervening Nadila, Dian Luthvita; Annisa, Arna Asna
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2021)
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.v7i2.3677

Abstract

This study aims to determine the effect of good corporate governance, intellectual capital, and capital adequacy ratio on financial performance with the Islamic social reporting index as an intervening variable. This research uses quantitative research by using multiple linear regression analysis and path analysis as data analysis. The sampling method used purposive sampling technique by setting several criteria so that there were 11 Islamic Commercial Banks that became the research sample. This study uses secondary data in the form of panel data at Islamic Commercial Banks (BUS) for the 2015-2019 period. The data population in this study is BUS in Indonesia for the 2015-2019 period. Data processing using Eviews 9. The results of this study indicate that the frequency of board of commissioners meetings has a positive effect and the frequency of audit committee meetings has no significant negative effect, while Intellectual Capital, CAR and ISR have a significant positive effect on financial performance (ROA). The frequency of board of commissioners' meetings and CAR has a positive and insignificant effect, the frequency of audit committee meetings has a negative and insignificant effect, while Intellectual Capital has a positive and significant effect on the Islamic Social Reporting Index. The ISR index cannot mediate the effect of the frequency of board of commissioners meetings, the frequency of audit committee meetings, intellectual capital, and CAR on financial performance (ROA).