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Journal : Journal La Sociale

The Effect of Capital Adequacy Ratio and Sukuk Sales on Profitability at Bank Muamalat Puspa, Chairunnisa Dian; Harahap, Muhammad Ikhsan; Yanti, Nursantri
Journal La Sociale Vol. 5 No. 4 (2024): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v5i4.1233

Abstract

This research purpose is to provide empirical evidence regarding the influence of the Capital Adequacy Ratio (CAR) and Sukuk sales on profitability at Bank Muamalat in 2018-2022. The independent variables in this research are the Capital Adequacy Ratio (CAR), sukuk sales and the dependent variable is profitability. This research uses secondary data obtained from Bank Muamalat’s financial reports. The population in this research is the annual financial report of Bank Muamalat for 2018-2022. The samples used in this research were 60 samples. The analytical method used is multiple linear regression analysis with the help of Eviews 13 and SPSS 25 software. The research results show (1) partially the the Capital Adequacy Ratio (CAR) has a positive and significant effect on profitability with a significant value of 0,032. (2) partially, Sukuk sales have a positive and significant effect of 0,004. (3) simultaneously the Capital Adequacy Ratio (CAR) and sukuk sales influence profitability with a calculated F value of 44,816 so that F calculated > F table, namely 44,816 > 3,16 and it can be seen from the Determination Test (R2) which states that the variables Capital Adequacy Ratio (CAR) and Sukuk sales simultaneously (ROA), namely 13,6%, while the remaining 86,4% is explained by other variables not included in this research model.
Impact of Sharia Kur financing on performance of MSMEs financing of Indoensian Syariah Banking Hsb, Sarmania; Syahbudi, Muhammad; Yanti, Nursantri
Journal La Sociale Vol. 5 No. 5 (2024): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v5i5.1368

Abstract

Financing for Micro, Small and Medium Enterprises (UMKM) has an important role in the local economy, especially in rural areas such as Gunung Tua, North Padang Lawas. Bank Syariah Indonesia (BSI) Gunung Tua Sub-Branch Office (KCP) provides Sharia People's Business Credit (KUR) financing to support MSMEs in increasing working capital and investment. This research aims to examine the impact of KUR Syariah financing on the Performing Financing of UMKM under the guidance of BSI KCP Gunung Tua. The research method used is mix method with a case study approach. Data was collected through in-depth interviews with KUR Syariah BSI KCP Gunung Tua managers and UMKM owners who received financing, as well as through direct observation and analysis of related documents. The research results show that KUR Syariah financing from BSI KCP Gunung Tua has a positive impact on increasing UMKM Financing Performance. The socialization and information dissemination strategy carried out by BSI KCP Gunung Tua has succeeded in increasing UMKM awareness and interest in KUR Syariah financing. An easy and transparent financing process and the implementation of a strict monitoring system also support the effectiveness of this financing. KUR Syariah financing from BSI KCP Gunung Tua not only provides the capital needed by UMKM, but also plays an important role in the economic empowerment of UMKM and local communities. By continuing to improve marketing and service strategies, BSI can continue to be a reliable partner for UMKM in developing their businesses.
Co-Authors Adelia Azizi Admar, Ok Agam Afrian Andika Yumna Afwan Hafizh Ahmad Amin Dalimunthe Ahmad Syakir Ajeng Manjana Aldino, Imam Alicia, Febi Amelia, Anika Ananda Ibnu Sobri Hsb Andri Soemitra Angga Putra Suhadi Anggara, Dwi Erlanda Anggraini, Bunga Anisya Putri Syam Sinambela Annio Indah Lestari Nasution Aqashah, Faisal Arafah, Adinda Arifin Fauzi Lubis Arnida Wahyuni Lubis Arnida Wahyuni Lubis Arya Farhan Asmuni Asshifa Nazila Aridzki Atika Atika Atika Suri Azhri Akmal Tarigan Batubara, Soraya Alyya Syam Bi Rahmani, Nur Ahmadi Budi Harianto, Budi Budi Prianto Dara Puspita Dedek Joefanny Della, Della Alvionita Desi Rahmawati Supraja Dimas Azhari Dwi Septialamsyah Elsa, Nazwa Alpuja Erlina Erlina Erna Sipahutar Etika Manda Sari Rangkuti Fachry Abda El Rahman Fadila, Shintiya Fadilla Khairunnisya Siregar Februari, Budi Filda, Muhammad Amrozi Hafidah Ayu Kusnadi Hani, Zulfa Harahap, M. Ikhsan Harahap, Muhammad Ikhsan Hendra Harmain Hotmaida, Hotmaida Hsb, Sarmania Hutabarat, Nadya Namora Ian Alfian Iin Prasetyo Ilhami Nasution, Muhammad lathief Indah Wahyuni Indradewa, Rhian Juliana Nasution Juwairiazizah Rasta K, Kamilah Kamila K Kamilah, Kamilah Khairina, Nabila Lailanur Fadillah Nasution Larah, Anggi Dwi Lesmana, Angga Leswara, Malda Davitha Lisa Chintiya Tambunan Lubis, Herlina Lubis, Nursakilah Lubis, Nurul Amaliyah M Arif Haikal Lubis M. Ikhsan Harahap Maidalena, Maidalena Manurung, Ibnu Syawali Manurung, Khoirul Ardani Marliyah Marliyah Marliyah, Marliyah Marliyah, Marliyah Maryam Batubara Medeni, Desi Chintiara Miftahul Jannah Hasibuan Muhammad Andre Wardhana Muhammad Anwar Muhammad Arif Muhammad Arif Haikal Lubis Muhammad Da’i Arham Muhammad Farhan Muhammad Fauzan Muhammad Ikhsan Harahap Muhammad Lathief Ilhamy Nasution Muhammad Naufal, Muhammad Muhammad Ramadhan muhammad Syahbudi, muhammad Muhammad Zieo Addefrid Putra Munthe, Yusromuin Mustafa Khamal Rokan Nadya Ervina Nadya Namora Hutabarat Nasution, Annio Indah Lestari Nasution, Annio Indah Lestari Nasution, Fathia Zuhra Nasution, Juliana Nasution, Muhammad Lathief Ilhammy Nasution, Sakinah Jahrani Natasya, Adelia NUR AHMADI BI RAHMANI Nur Ahmadi Bi Rahmani Nuraini Nuraini Nurbaiti Nurhayani Nurhayani Nuri Aslami Nurlaila Nurlaila Nurul Inayah Nurul Inayah Nurul Inayah Nurul Jannah Nurul Wahidah Nurwani Ongku Indramora Siregar Pulungan, Silviani Purba, Febri Andriawan Puspa, Chairunnisa Dian Putri, Dinda Karunia Putri, Riri Dwita Rafika Afifah Angkat Rafli, Mhd Rahma, Tri Inda Fadhila Rahmad Syah Rizal Rahmatul Fadilah Rahmi Syahriza Rahmi Syahriza, Rahmi Reni Dwijaya RENI TANIA PURBA Reni Yusnita Ridayanti Ridayanti Risma Warti Ritonga, Aprilia Amanda Ritonga, Dendi Dwi Ritonga, Lilis Suryani Rizki Hambali Hsb Sahri Aramiko Saidah Khairiyah Hasibuan Salman Al-faridzi Saparuddin Siregar Sari, Della Puspita Shabira, Yusra Silalahi, Purnama Ramadani Silvia Anggrie Nst Silvia Fransiska Simanjuntak, Indah Siregar, Atika Siti Hot Nita Hasibuan Siti Rohani Siti Zumara Sri Mutia Fazira Sri Ramadhani Sri Sudiarti Sri Sudiarti Sri Sudiarti sri sudiarti sri sudiarti Suhairi Suhairi Sulistya Ningsih, Inten Suri, Atika Susi Apriliani Syakir, Ahmad Tiwi Bastari Batubara Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Trisnawati Tuti Anggraini Tuti Anggraini Vania Sally Nabila Wahyu Syarvina Waizul Qarni Wicaksana Dwi Prasetiyo Wili Dani Anwar Soleh Siregar Winda Irmayani Sijabat Windy Puspita Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuhda, Ahmad Sabili Yuliana Yuliana Yusra Amelia Hsb Zainarti Zuhrinal M. Nawawi Zulfa Khoiriah Zulfahani