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Pengaruh Inflasi, Currency Exchange, dan BI Rate terhadap Pembiayaan Murabahah di Bank BRI Syariah Tahun 2015-2020 Nadya Anathasya Cristine Br. Tambun; Nana Diana
Journal on Education Vol 5 No 3 (2023): Journal on Education: Volume 5 Nomor 3 Tahun 2023
Publisher : Departement of Mathematics Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v5i3.1798

Abstract

The purpose of this research is to identify the impact relationship between change of inflation, currency exchange fluctuation of Indonesian Rupiah exchange against foreign currencies, and the provisions for determining BI rate by Bank Indonesia for murabahah financing carried out by one of the Islamic banks in Indonesia. Financial Statements of Bank BRI Syariah is the population that used for this research. The data collected for this research is secondary data derived from information published on the official websites of the OJK and BPS. The type of analysis used in this study is a type of multiple linear regression analysis using time series data type. Result from this research is indicate that inflation, currency exchange rates, and the BI rate do not have a significant effect on murabahah financing at Bank BRI Syariah in the period 2015 to 2020.
Pengaruh Biaya Operasional, Pendapatan Operasional, Non Performing Financing dan Financing to Deposit Ratio terhadap Return on Asset Muthi'ah Afifah Fauziah; Nana Diana
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 5 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (907.211 KB) | DOI: 10.47467/alkharaj.v5i5.2367

Abstract

This study aims to examine the effect of BOPO, NPF, and FDR on Profitability described by ROA at Islamic Commercial Banks registered with OJK for the 2016-2020 period. Sampling using purposive sampling and obtained 7 Islamic Commercial Banks that meet the criteria of 14 Islamic Commercial Banks as a sample. So the number of samples studied is 35 data for 5 years. This research method uses quantitative methods. The approach used in this study is a descriptive and verification approach. Based on the results of research conducted using SPSS 20, it can be concluded both partially and simultaneously, namely. BOPO has a negative and significant effect on return on assets, NPF has a positive and significant effect on return on assets and FDR has a positive and significant effect on return on assets while simultaneously BOPO, NPF, FDR have a significant effect on return on assets in Islamic commercial banks in Indonesia Registered at OJK for the 2016-2020 period. In this study, it shows that the variables studied, namely BOPO, NPF and FDR, can describe 92.6% of Return On Assets (ROA). Keywords: BOPO, NPF, FDR, ROA
Analisis Komparatif Pembiayaan Murabahah Pada Baitul Maal Wal Tamwil (BMT) Dan Perbankan Syariah Rara Citranuari Diti; Nana Diana; Suhono Suhono
Innovative: Journal Of Social Science Research Vol. 3 No. 4 (2023): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v3i4.3622

Abstract

Dunia perbankan di Indonesia merupakan lembaga keuangan yang memiliki peranan penting dan kompleks, hal tersebut dapat dirasakan pada kehidupan manusia karena hampir seluruh aspek kehidupan manusia yang berkaitan dengan transaksi perekonomian maka akan berkaitan pula dengan bank maupun lembaga keuangan mikro. Dalam prinsip syariah, pelarangan riba merupakan hal yang melatarbelakangi adanya perbankan syariah maupun lembaga keuangan mikro syariah, hal tersebut karena riba merupakan larangan keras sesuai dengan yang ada dalam Alquran. Salah satu Lembaga Keuangan Syariah yang berbentuk mikro syariah yang ada di Indonesia yakni Baitul Maal wat Tanwil (BMT). Lembaga ini merupakan lembaga keuangan syariah yang mempunyai target operasinya berfokus pada sektor Usaha Kecil Menengah. Adapun pembiayaan yang sering digunakan oleh BMT yaitu akad Murabahah, akad murabahah dilakukan dengan skema jual beli dimana bank akan berperan sebagai pihak yang akan menjual barang sedangkan nasabah berperan sebagai pihak yang akan membeli barang atau pembeli. Dalam penelitian ini penulis akan membahas mengenai akad murabahah terhadap BMT, serta bagaimana konsep BMT dan pembiayaan Murabahah yang ada pada BMT.
Pengaruh Pembiayaan Mudharabah dan Pembiayaaan Musyarakah terhadap Laba Bersih Bank Syariah Chairani Nurhamidah; Nana Diana
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 4 No. 2 (2021)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v4i2.158

Abstract

The financing income at Bank Syariah Mandiri is increasing every year and the higher the interest of the customers to carry out mudharabah financing and musyarakah financing at Bank Syariah Mandiri which will certainly make a big contribution to the bank's income. The author wants to know more about the effect of mudharabah financing and musyarakah financing on the net profit of an independent Islamic bank. The method used is a quantitative approach, using Bank Syariah Mandiri monthly financial report data for the 2017-2019 period and the number of financial reports of 36 months. The technique for selecting samples uses saturated sampling where all populations are sampled. The analysis technique uses multiple regression analysis using the SPSS 21 application.The results obtained from this study simultaneously are that there is an influence between mudharabah financing, musyarakah financing on the net profit of independent Islamic banks and partially mudharabah financing has a negative effect of 0.248 and is significant on bank net income. Syariah Mandiri and Musyarakah financing have a positive and significant effect on the net profit of Mandiri Islamic Banks.
The Effect of Investments and Risk Based Capital (RBC) of Tabarru Funds on Company (Case Study of Sharia Insurance in Indonesia for 2014-2019) Nana Diana; Tati Apriani
International Journal of Nusantara Islam Vol 8, No 1 (2020): International Journal of Nusantara Islam
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijni.v8i1.8933

Abstract

This study aims to examine the influence of investment returns and Risk Based Capital (RBC) Tabarru Funds to the profit of sharia life insurance in Indonesia from 2014-2019. This study The type of this research is quantitative research with descriptive verification as a method. This research method uses descriptive verification method with quantitative approach. The data used in this study were sourced from the financial statements of Islamic life insurance companies in Indonesia for the 2014-2019 period. Then the data obtained were analyzed using multiple linear regression analysis and hypothesis testing consisting of t test and f test with the help of SPSS 21 software. The sampling technique uses non probability sampling with purposive sampling technique. Based on the results of the study it can be seen that the development of investment returns on Sharia Life Insurance in Indonesia has fluctuated and even suffered losses. While the development of Risk Based Capital (RBC) has increased and decreased but overall above 120% as determined by the government. Likewise, the profits earned in each year fluctuate. The results of statistical tests show that investment results partially have a positive effect on profit and Risk Based Capital (RBC) of Tabarru funds partially has a negative effect on profit. Simultaneously investment return and Risk Based Capital (RBC) affect on profit. In addition, the results of the coefficient of determination (R2) were obtained which obtained a value of 81%. This shows that the variable investment returns and Risk Based Capital (RBC) can affect earnings by 81% and the remaining 19% is influenced by other variables not used in this study.
Pengaruh CAR Dan FDR Terhadap Pembiayaan Murabahah Dengan NPF Sebagai Variabel Moderating Evita Yulyani; Nana Diana
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (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.v7i1.2929

Abstract

This study aims to know the effect of CAR and FDR variables on Murabahah financing partially and simultaneously, besides, this study also examined the influence of NPF variables in moderating the relationship between independent variables and Murabahah financing. This research is a quantitative study with a sample of 11 (eleven) Syariah Commercial Banks registered with the Otoritas Jaa Keuangan in 2015-2019 that meet the researchers' criteria. The data used in this study is secondary data in the form of financial statements obtained from the website of each bank that is a sample of research. The results showed that CAR had no effect and significant on Murabahah financing, FDR had no effect and significant on Murabahah financing, and also simultaneously CAR and FDR did not affect muarabah financing. On the other side, the NPF as moderating variable show that a map to the CAR on Murabahah financing,  the NPF moderating the FDR on Murabahah financing, and also the NPF moderating the influence of CAR and FDR on Murabahah financing simultaneously.
Analisis Kesehatan Bank Mega Syariah Menggunakan Metode CAMEL Pada Periode 2020-2022 Dirgama Mulya Permana; Nana Diana
Jurnal Ilmiah Wahana Pendidikan Vol 10 No 3 (2024): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10637691

Abstract

This research aims to analyze the health of Bank Mega Syariah using the CAMEL method during the period 2020-2022. This method involves assessing five dimensions: Capital Adequacy Ratio (CAR), Asset Quality (NPF), Management Quality (NOM), Earnings (ROA and BOPO), and Liquidity (FDR). The data used are the financial reports of Bank Mega Syariah. The research results indicate that the bank has a positive health status in all CAMEL dimensions during that period.In the Capital dimension, Bank Mega Syariah's CAR ratio increased from year to year, indicating sufficient capital to withstand loss risks. In the Asset Quality dimension, the NPF ratio experienced a significant decrease, indicating improved asset quality. In the Management Quality dimension, the NOM ratio fluctuated but remained within the healthy category. In the Earnings dimension, the ROA and BOPO ratios improved and remained in the very healthy category. Lastly, in the Liquidity dimension, the FDR ratio shows that the bank managed liquidity well.In conclusion, Bank Mega Syariah has achieved a good health status in all CAMEL dimensions during the 2020-2022 period. This positive performance can serve as a basis for the bank to continue maintaining and enhancing its quality and operational performance..
PENGARUH PEMBIAYAAN MUDHARABAH DAN MUSYAROKAH TERHADAP ROE PADA BANK BCA SYARIAH Alifia Rizqi Nurul Aziza; Nana Diana
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 4 No. 1 (2021)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v4i1.842

Abstract

The high level of ROE illustrates that the company's income is high so that management performance in managing the company is considered good. This research aims to analyze the Return On Equity (ROE) influenced or not by mudharabah financing and musyarakah financing at Bank BCA Syariah. Data is taken from financial reports at Bank BCA Syariah for the 2017-2019 period. Descriptive research using a quantitative approach includes this type of research. The analysis technique used consists of multiple regression analysis, descriptive statistical analysis, classical assumption test, and hypothesis testing. The results of the test state that mudharabah financing has no effect but is partially negative towards ROE. Musyarakah financing has a significant positive effect on Return On Equity partially.