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All Journal Jurnal Riset Akuntansi dan Bisnis EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ilmiah Ekonomi Islam Jurnal Akta Jurnal EMT KITA Banque Syar'i : Jurnal llmiah Perbankan Syariah IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Revitalisasi : Jurnal Ilmu Manajemen Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan International Journal of Trends in Accounting Research Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Bina Bangsa Ekonomika Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi (JEMBA) International Journal Of Economics Social And Technology International Journal of Trends in Accounting Research Mutiara: Jurnal Penelitian dan Karya Ilmiah
Sugianto Sugianto
Universitas Islam Negeri Sumatera Utara
Religion Humanities Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman

 1 
Faktor-Faktor yang Mempengaruhi Return On Assets PT. Bank Rakyat Indonesia Syariah Winda Winda; Sugianto Sugianto; Nur Ahmadi Bi Rahmani
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 8, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v8i1.2594

Abstract

Abstract The purpose of this study was to determine the Effect of Financing to Deposit Ratio (FDR), Third Party Funds (DPK), and Non Performing Financing (NPF) on Return on Assets (ROA) of PT. BRI Syariah. This research is motivated by the movement of ROA, FDR, DPK and NPF which experience fluctuating movements from year to year. This research method uses a quantitative approach with secondary data sources, namely PT. BRI Syariah quarterly from 2012-2019. The analysis technique used is multiple linear regression test using SPSS 15.0 analysis aids. The results of this study indicate that first, simultaneously FDR, DPK, and NPF significantly influence ROA. Second, partially FDR and DPK do not have a significant effect on ROA. Whereas third, NPF has a negative and significant effecton ROA at PT. BRI Syariah. Abstrak Tujuan penelitian ini adalah untuk mengetahui Pengaruh Financing to Deposit Ratio (FDR), Dana Pihak Ketiga (DPK), dan Non Performing Financing (NPF) terhadap Return On Assets (ROA) PT. BRI Syariah.Penelitian ini dilatarbelakangi oleh pergerakan ROA, FDR, DPK dan NPF yang mengalami pergerakan yang fluktuatifdari tahun ke tahun. Metode penelitian ini menggunakan pendekatan kuantitatif dengan sumber data sekunder, yaitu laporan neraca keuangan PT. BRI Syariah triwulan dari tahun 2012-2019. Teknik analisis yang digunakan yaitu uji regresi linear berganda dengan menggunakan alat bantu analisis SPSS 14.0.Hasil penelitian ini menunjukkan bahwa pertama, secara simultan FDR, DPK, dan NPF berpengaruh signifikan terhadapROA. Kedua, secara parsial FDR dan DPK tidak memiliki pengaruh terhadap ROA. Sedangkan ketiga, NPF berpengaruh negatif terhadap ROA pada PT. BRI Syariah.
Is Literacy Improving the Intention of The Younger Generation to Use Islamic Non-Bank Financial Products? Sugianto Sugianto; Andri Soemitra; Sri Sudiarti; Nur Amadi Bi Rahmani
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i2.6519

Abstract

Abstrak Industri perbankan secara historis mendominasi lembaga keuangan Islam. Bahkan, Lembaga Keuangan Non-Bank (LKNB) memberikan alternatif bagi kebutuhan keuangan masyarakat yang berbeda-beda. Bagi Lembaga Keuangan Non-Bank Syariah, generasi muda muslim merupakan target pasar yang sangat menjanjikan. Tujuan dari penelitian ini adalah untuk melihat apakah literasi dapat meningkatkan minat kaum muda Muslim untuk menggunakan produk Lembaga Keuangan Non Bank. Pada 138 remaja muslim di Sumatera Utara, penelitian ini menggunakan metode kuantitatif dengan analisis regresi linier sederhana. Temuan penelitian menunjukkan bahwa literasi berpengaruh positif dan signifikan terhadap niat generasi muda Muslim untuk menggunakan produk Lembaga Keuangan Non-Bank Syariah. Sosialisasi dan pendidikan, baik formal maupun informal, merupakan elemen penting dalam meningkatkan literasi generasi muda Muslim. ar, keuangan Islam Abstract The banking industry has historically dominated Islamic financial institutions. In fact, Non-Bank Financial Institutions (NBFIs) provide alternatives for the public's different financial needs. For Islamic Non-Bank Financial Institutions, the youthful Muslim generation is a very promising target market. The goal of this study is to see whether literacy can improve young Muslims' intention to use Non-Bank Financial Institutions' products. On 138 Muslim youngsters in North Sumatra, this study takes a quantitative method with simple linear regression analysis. The study's findings show that literacy has a positive and significant impact on the younger generation of Muslims' intentions to use Islamic Non-Bank Financial Institutions products. Socialization and education, both formal and informal, are important elements in raising the literacy of Muslims' younger generations.  
Is Literacy Improving the Intention of The Younger Generation to Use Islamic Non-Bank Financial Products? Sugianto Sugianto; Andri Soemitra; Sri Sudiarti; Nur Amadi Bi Rahmani
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i2.7712

Abstract

The banking industry has historically dominated Islamic financial institutions. In fact, Non-Bank Financial Institutions (NBFIs) provide alternatives for the public's different financial needs. For Islamic Non-Bank Financial Institutions, the youthful Muslim generation is a very promising target market. The goal of this study is to see whether literacy can improve young Muslims' intention to use Non-Bank Financial Institutions' products. On 138 Muslim youngsters in North Sumatra, this study takes a quantitative method with simple linear regression analysis. The study's findings show that literacy has a positive and significant impact on the younger generation of Muslims' intentions to use Islamic Non-Bank Financial Institutions products. Socialization and education, both formal and informal, are important elements in raising the literacy of Muslims' younger generations.
Co-Authors Abd Latip Afrizal Ahmad Ripai Saragih Ahmad Riyadi Siregar Amalia, Alfi Amelia Putri Andri Soemitra Anita Khairunnisa Ayu Syahvitri Dila Fahira Feni Ramadani Gultom, Selfi Afriani Habibah Shobri Hade Chandra Batubara Harahap, Muhammad Ikhsan Intan Dinda Sutantri Iskandar Muda Khalya Maya Amalia Laylan Syafina Miranda Julia Pasaribu Muhammad Arfan Harahap Muhammad Arif Muhammad Irfan Muhammad Rizky Muhammad Salman Muhammad Syahbudi Muhammad Yafiz Muslim Marpaung Mutiara Annisa Mutiara Sari Nawir Yuslem Novariany Ka’u Nur Ahmadi Bi Rahmani Nur Amadi Bi Rahmani Rahmat Daim Rahmat Daim Harahap Rani Febri Yani Reni Ria Armayani Hasibuan Reza Febrian Reza Nurul Ichsan Saparuddin Siregar Saragih, Fitriani Siti Aisyah Siti Mutiah Ulfha Sri Rahmawati Isnaini Ginting Sri Sudiarti Sriayu Wulandari Br. Saragi Syachrul Wahyudi Tambunan, Khairina Tumanggor, Arief Hidayat Ulfa Yolanda Wahyu Syarvina Winda Winda