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All Journal Jurnal Ekonomi Syariah Teori dan Terapan Al-Mustashfa Jurnal Ilmiah Ekonomi Islam AT-Tahdzib: Jurnal Studi Islam dan Muamalah Stability: Journal of Management and Business Jurnal Ekonomi Syariah Pelita Bangsa At-Tahdzib: Jurnal Studi Islam dan Muamalah
Imam Azizuddin
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Industri Pariwisata Halal: Pendorong Inovasi Untuk Halalpreneurs Imam Azizuddin; Muhammad Hamdan 'Ainulyaqin
Jurnal Ilmiah Ekonomi Islam Vol 8, No 1 (2022): JIEI : Vol. 8, No. 1, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i1.4040

Abstract

This paper describes halal tourism with various practices that have been carried out in the halal industry. This halal industry practice can provide opportunities for halal entrepreneurship in a reciprocal relationship with halal tourism. Presents halal tourism literature to define halal travel and provides an overview of opportunities for developing halal entrepreneurs to innovate halal products to provide more competitive results according to Sharia. This paper also provides new prospects for Halal Entrepreneurs that can enable them to start new businesses in the Halal tourism industry. This study contributes theoretically and practically in halal tourism and halal entrepreneurship. These findings can provide assistance to tourism actors, Halal entrepreneurs to promote Halal tourism products and services to meet the needs of Muslim tourists.
The Effect Of Financial Ratio To Net Income For The Period 2013-2017: Study At PT. Bank Syariah Mandiri Indonesia Imam Azizuddin; Alwahidin Alwahidin
AT-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 8 No 2 (2020): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib Ngoro Jombang Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to find out if the financial ratio has a significant positive effect on net profit for the period 2013-2017 at PT. Bank Syariah Mandiri Indonesia. This research uses quantitative methods using time series data on the financial statements of Bank Syariah Mandiri Indonesia period 2013-2017, purposive sampling used as a method of selection of this research sample. The methods used are descriptive statistical analysis, standard assumption tests and multiple linear regression equation tests with SPSS 21, with a significant rate of 5%. Based on the results of this study, it finds that the financial ratio positively does not have a significant effect on the profit of Bank Syariah Mandiri Indonesia from the f test result obtained from f count of 1,384 with a significant value of 0.284>0.05 because the probability is much higher than 0.05 so it can conclude that there is no significant influence on the variable financial ratio to the profit of Bank Syariah Mandiri Indonesia Period 2013-2017.
PRODUCTIVE WAQF DEVELOPMENT THROUGH IJARAH CONTRACTS IN RELIGIOUS EDUCATION INSTITUTIONS IN JOMBANG, EAST JAVA Imam Azizuddin; Ilyas Nurul Azam
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 6 (2021): November-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20216pp757-770

Abstract

ABSTRAKPenelitian ini membahas secara mendalam terkait penerapan wakaf produktif di lembaga pendidikan agama TPQ dari perspektif madzhab Syafi'i. Penelitian ini diklasifikasikan sebagai penelitian kualitatif karena data yang digunakan bersifat kualitatif. Yakni, informasi yang diperoleh dari Kepala TPQ, nadzir, dan penyewa yang menjadi pemikiran atau pemahaman mereka tentang objek atau topik tertentu, dalam hal ini, adalah pengembangan kontrak ijarah di tanah wakaf. Penelitian ini menunjukkan perkembangan wakaf produktif melalui perjanjian ijarah di lembaga pendidikan agama dalam bentuk TPQ yang sudah memenuhi syarat dan rukun ijarah menurut madzhab Imam Syafi'i. Hal ini dibuktikan karena, dari transaksi atau perjanjian tersebut, nazir telah menggunakan tenggat waktu per tahun. Selain itu, sudah ada juga kesepakatan dari awal bahwa tanah wakaf yang disewa digunakan untuk melakukan bisnis perdagangan. Dan sewa tempat itu hanya sementara, bukan untuk selamanya. Penelitian ini dapat menjadi masukan bagi praktisi ekonomi syariah untuk dapat mengembangkan wakaf produktif secara optimal dengan model ijarah serta menjadikan wakaf produktif di TPQ sebagai model pengembangan wakaf produktif yang sangat potensial di Indonesia.Kata Kunci: Wakaf produktif, ijarah, Pendidikan keagamaan, madzhab Syafi’i. ABSTRACTThis research discussed the application of productive waqf in the TPQ (Al-Qur’an Learning Centre) religious education institution from the perspective of the Syafi'i school of thought. This research was classified as qualitative research because it used qualitative data, namely the information obtained from the Head of TPQ, nadzir, and tenants that became their thoughts or understanding of a particular object or topic, in this case, was the development of an ijarah contract on waqf land. This research showed the productive waqf development through ijarah agreements in religious educational institutions in the form of TPQ that had fulfilled the requirements and pillars of ijarah according to the Imam Syafi'i school of thought. It was proven that Nazir had used the deadline per year from the transaction or agreement. In addition, there was also an agreement from the beginning that the leased waqf land was used to conduct trading business. Furthermore, the lease of the place was only temporary, not forever. This research can be an input for practitioners of Islamic economics to develop productive waqf optimally with the ijarah model and make productive waqf in TPQ as a model for developing productive waqf with great potential in Indonesia.Keywords: Productive Waqf, Ijarah, Religious Education, Shafi'i madhhab. REFERENCESAl-Syarbaini, S. M. I. M., & al-Khatib, E. (2009). Mughni al-muhtaj ilâ maʻrifah maʻânî alfadz al-minhaj, juz 2. Beirut: Dar Al-Khatab Al-Ilmiyah.Al Jaziri, A. R. (1994). Al fiqh a’la al Mazahib al Arbaa’h. Maroko: Dar Alhadis.Amiruddin. (2008). Pengantar metode penelitian hukum. Jakarta: PT. RajaGrafindo.Az-Zuhaili, W. (2011). Al-fiqh al-islam wa‟ dillatuhu jilid x terjemahan Abdul al-Hayyi Qotani, dkk. Jakarta: Gema Insani & Darul Fikir.Bin Borham, A. S. (2011). Pelaksanaan pembangunan wakaf korporat Johor Corporation Berhad (JCorp): Satu tinjauan. In International Conference on Humanities, 1-13Departemen Agama R. I. (2005). al-Qur’an dan terjemahnya. Jakarta: J-Art.Emzir, A. D. (2011). Metodologi penelitian kualitatif. Jakarta: Rajawali Pers.Fahri, M. B., & Zaki, I. (2018). Strategi manajemen pengelolaan wakaf produktif di pesantren yayasan arwaniyyah Kudus. Jurnal Ekonomi Syariah Teori dan Terapan, 5(8), 699–712. http://dx.doi.org/10.20473/vol5iss20188pp699-712Ghazaly, A. R. (2010). Fiqh muamalat. Jakarta: Kencana.Hafidhuddin, D., & Antonio, M. S. (2004). Hukum wakaf. Jakarta: Iman dan Dompet Duafa Republika.Huda, Q. (2011). Fiqh muamalah. Yogyakarta: Teras.Kementerian Agama RI. (2021). Data Tanah Wakaf. Diakses dari http://siwak.kemenag.go.id/Lubis, S. K. (2010). Wakaf dan pemberdayaan umat. Jakarta: Sinar Grafika.Manan, D. (2016). Wakaf produktif dalam perspektif imam madhab. Jurnal Mahkamah: Kajian Ilmu Hukum Dan Hukum Islam, 1(2), 363–382.Mohamad Akhir, N. S., Abdullah, S. R., Mohammed Ghazali, A., Mohd Yusof, A. S., & Hussin, R. (2019). Integrasi wakaf dan ijarah: Alternatif dalam kelestarian sekolah tahfiz swasta di Malaysia. In International Conference on Zakat, Tax, Waqf And Economic Development (ZAWED), 1st – 2nd December 2019, Malaysia.Mughniyah, M. J. (2015). Fiqih lima mazhab: Ja ‘fari, Hanafi, Maliki, Syafi ‘i, Hambali (Gold Edition). Jakarta: Shaf e-publishing.Nashih Nashrullah. (2020). Alasan Indonesia bermazhab syafii menurut petualang Maroko. Diaksed dari https://www.republika.co.id/berita/q5m8o9320/alasan-indonesia-bermazhab-syafii-menurut-petualang-marokoNizar, M. A. (2017). Development of productive waqf in Indonesia: Potential and problems. https://mpra.ub.uni-muenchen.de/97967/Oktarina, A., & Asnaini, A. (2018). Developing models of productive waqf masjid agung syuhada Yogyakarta. QIJIS (Qudus International Journal of Islamic Studies), 6(1), 103–126. DOI: http://dx.doi.org/10.21043/qijis.v6i1.3719Poerwandari, E. K. (2007). Pendekatan kualitatif untuk penelitian perilaku manusia. Depok: LPSP3 Fakultas Psikologi Universitas Indonesia.Sabiq, S. (2021). Fikih sunnah, jilid 2 volume 5. Jakarta: Cakrawala Publishing.Sahroni, S., & Abdullah, R. (2011). Fikih muamalah. Surabaya: Ghalia Indonesia.Salim, A.-S. (2008). Sahih fiqh as-sunnah wa adillatuhu wa taudih mazahib al-a’immah, Beirut: Dar Al-Khatab Al-Ilmiyah.Sudarwan, D. (2002). Menjadi peneliti kualitatif. Bandung: Pustaka Setia.Sugiyono. (2011). metode penelitian kuantatif, kualitatif, dan R&D. Bandung: CV. Alfabeta.Sugiyono, P. (2005). Memahami penelitian kualitatif. Bandung: CV. Alfabeta.Suhendi, H. (2002). Fiqih muamalah. Jakarta: PT. Raja Grafindo Persada.Syafi’i, I. (2005). Mukhtashar kitab al umm fi al-fiqh. Jakarta: Pusata Azzam.Syalthut, M. (2000). Muqaranatul madzaahib fil fiqhi, terj abdullah zakiy al-kaaf. Bandung: Pustaka Setia.Wadjdy, F. (2007). Mursyid, wakaf dan kesejahteraan umat. Yogyakarta: Pustaka Pelajar.Yazid, A. M. (2009). Fiqih muamalah dan implementasinya dalam lembaga keuangan syari’ah. Yogyakarta: Logung Pustaka.
The Analysis of Financial Performance on Sharia Banks' Financial Distress in Indonesia for the Period 2016-2020 Andini Febriyanti Hariono; Imam Azizuddin
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 2 (2022): Maret-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20222pp273-285

Abstract

ABSTRAK Penelitian ini bertujuan untuk melihat bagaimana Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), dan Biaya Operasional Terhadap Pendapatan Operasional (BOPO) pengaruhnya pada Financial Distress dengan pendekatan metode Altman Z-Score. Sampel penelitian ini menggunakan metode purposive sampling dan diperoleh 13 Bank Umum Syariah di Indonesia untuk dianalisis. Data dalam penelitian ini bersumber dari laporan tahunan Bank Umum Syariah. Penelitian ini akan dianalisis dengan model regresi logistik multinominal. Hasil penelitian ini menunjukkan bahwa secara parsial, NPF berpengaruh positif signifikan terhadap financial distress, sedangkan FDR, CAR, dan BOPO tidak berpengaruh signifikan terhadap financial distress selama periode 2016-2020. Secara simultan NPF, FDR, CAR, dan BOPO menunjukkan pengaruh yang signifikan financial distress. Kata Kunci: Financial Distress, FDR, NPF, CAR, BOPO.   ABSTRACT The aim of this research is to examine how the Financing to Deposit Ratio (FDR), Non-Performing Finance (NPF), Capital Adequacy Ratio (CAR), and Operating Expenses to Operating Income (BOPO) affect the Altman Z-Score of Financial Distress. This study's sample was derived using purposive sampling method, which resulted in the analysis of 13 Islamic Commercial Banks in Indonesia. The data used this study was obtained from the annual report Islamic Banks. A multinominal logistic regression model will be used to examine this study. The results of this study show that partially NPF has a significant positive influence on financial distress, while FDR, CAR, and BOPO have no significadnt influence on financial distress. NPF, FDR, CAR, and BOPO all have a significant influence on financial distress simultaneously. Keywords: Financial Distress, FDR, NPF, CAR, BOPO.   DAFTAR PUSTAKA Almilia, L. S., & Herdiningtyas, W. (2005). Analisis prediksi rasio camel terhadap prediksi kondisi bermasalahjatuh lembaga perbankan periode 2000–2002. Jurnal Akuntansi dan Keuangan, 7(2), 131-147. https://doi.org/10.9744/jak.7.2.pp.%20131-147 Anggraini, L. D. (2020). Pengaruh tingkat kesehatan bank menggunakan metode RGEC terhadap pertumbuhan laba pada bank yang terdaftar di bursa efek Indonesia. Skripsi tidak dipublikasikan. Surabaya: STIE Perbanas Surabaya. Asyikin, J., Ernawati, S., & Syam, A. Y. (2020). Pengaruh kinerja keuangan terhadap financial distress melalui efesiensi dan resiko (Studi empiris pada bank umum syariah di Indonesia). Spread, 9(2), 40–46. Azizuddin, I. (2021). Analysis of the influence of financing on the value of sharia banks with profitability as intervening variables. Dinar: Jurnal Ekonomi dan Keuangan Islam, 8(1), 15–30. https://doi.org/https://doi.org/10.21107/dinar.v8i1.10157 Bakhtiar, F. (2019). Analisis financial distress pada perbankan syariah di Indonesia. Tesis tidak dipublikasikan. Yogyakarta: Universitas Islam Indonesia. Barokah, I. N. E. (2020). Analisis perbandingan kinerja keuangan perbankan syariah dengan metode risk profile, good corporate governance, earnings, dan capital di Indonesia dan Malaysia periode 2016-2018. Skripsi tidak dipublikasikan. Medan: Universitas Sumatera Utara. Dendawijaya, L. (2009). Manajemen perbankan. Jakarta: Ghalia Indonesia. Effendi, S. A., & Haryanto, A. M. (2016). Analisis faktor-faktor yang mempengaruhi kondisi financial distress suatu perusahaan yang terdaftar di BEI. Diponegoro Journal of Management, 5(4), 589-602. Hapsari, E. I. (2012). Kekuatan rasio keuangan dalam memprediksi kondisi financial distress perusahaan manufaktur di BEI. Jurnal Dinamika Manajemen, 3(2), 101-109. https://doi.org/2337-5434 Harahap, R. S. (2018). Analisis pengaruh tingkat kesehatan bank syariah berdasarkan risk based bank rating dalam memprediksi financial distress pada perbankan syariah di Indonesia. Skripsi tidak dipublikasikan. Medan: Universitas Sumatera Utara. Hosmer Jr, D. W., Lemeshow, S., & Sturdivant, R. X. (2013). Applied logistic regression. USA: John Wiley & Sons. Humaira, J., Barnas, B., & Kristianingsih. (2021). Pengaruh kinerja keuangan dan penerapan GCG terhadap potensi kebangkrutan pada PT Bank Muamalat Indonesia Tbk. Journal of Applied Economic and Finance, 1(2), 373–383. https://doi.org/10.35313/jaief.v1i2.2471 Imelda, E., & Alodia, I. (2017). Analysis of altman model and ohlson model in predicting financial distress of manufacturing companies in the Indonesia stock exchange. Indian-Pacific Journal of Accounting and Finance, 1(1), 51–63. https://doi.org/10.52962/ipjaf.2017.1.1.4 Fahmi, I. (2011). Analisis laporan keuangan. Bandung: CV. Alfabeta Kasmir. (2014). Analisis laporan keuangan. Jakarta: PT.Raja Grafindo Persada. Margaretha, F. (2007). Manajemen keuangan bagi industri jasa. Jakarta: Gramedia Widiasarana Indonesia Muhaemin, A., & Wiliasih, R. (2016). Analisis faktor-faktor yang memengaruhi profitabilitas bank pembiayaan rakyat syariah di Indonesia. Nisbah: Jurnal Perbankan Syariah, 2(1), 180-206. https://doi.org/10.30997/jn.v2i1.255 Nilasari, A., & Ismunawan. (2021). Pengaruh kinerja keuangan, risk based capital, ukuran perusahaan dan makroekonomi terhadap financial distress. 10(1), 55–72. http://dx.doi.org/10.26418/jebik.v10i1.44793 Nurhayati. (2019). Analisis prediksi kebangkrutan pada bank umum syariah di Indonesia dengan model altman’s z-score periode 2013-2017. Skripsi tidak dipublikasikan. Bandar Lampung: Universitas Islam Negeri Raden Intan Lampung. Nurhidayah, N., & Rizqiyah, F. (2018). Kinerja keuangan dalam memprediksi financial distress. Jurnal Ilmiah Bisnis dan Ekonomi Asia, 11(2), 42–48. https://doi.org/10.32812/jibeka.v11i2.59 Pamungkas, D. R. W., Hadiani, F., & Purbayati, R. (2021). Analisis faktor internal dan eksternal yang memengaruhi financial distress bank umum syariah periode 2014-2018. Journal of Applied Islamic Economics and Finance, 1(2), 446–457. https://doi.org/10.35313/jaief.v1i2.2477 Prasojo. (2015). Pengaruh penerapan good corporate governance terhadap kinerja keuangan bank syariah. Jurnal Dinamika Akuntansi dan Bisnis, 2(1), 59–69. https://doi.org/10.24815/jdab.v2i1.3613 Primasari, N. S. (2018). Analisis altman z-score, grover score, springate, dan zmijewski sebagai signaling financial distress (Studi empiris industri barang-barang konsumsi di Indonesia). Accounting and Management Journal, 1(1), 23–43. https://doi.org/10.33086/amj.v1i1.70 Rahmawati, D., & Khoiruddin, M. (2017). Pengaruh corporate governance dan kinerja keuangan dalam memprediksi kondisi financial distress. Management Analysis Journal, 6(1), 1–12. https://doi.org/10.15294/maj.v6i1.8184 Rivai, A. (2017). Risiko pembiayaan murabahah dan musyarakah pada profitabilitas bank umum syariah. Jurnal Ekonomi Syariah Dan Filantropi Islam, 1(2), 189-197. https://doi.org/10.22236/alurban_vol1/is2pp189-197 Riyadi, S. (2008). Bangking assets and liability management. Jakarta: Lembaga Penerbit Fakultas Ekonomi Universitas Indonesia Samryn. (2012). Pengantar akuntansi: Mudah membuat jurnal dengan pendekatan siklus transaksi. Jakarta: Rajawali Pers. Sari, M. K., & Sadriatwati, S. E. (2020). Analisis financial distress pada bank umum syariah melalui metode regresi logistik biner data panel. Jurnal Penelitian Ekonomi dan Akuntansi, 5(2), 187–206. http://dx.doi.org/10.30736%2F.v5i2.336 Sofiasani, G., & Gautama, B. P. (2016). Pengaruh CAMEL terhadap financial distress pada sektor perbankan Indonesia periode 2009-2013. Journal of Business Management Education (JBME), 1(1), 138–148. https://doi.org/10.17509/jbme.v1i1.2283 Sucipto, A. W., & Muazaroh. (2017). Kinerja rasio keuangan untuk memprediksi kondisi financial distress pada perusahaan jasa di bursa efek Indonesia periode 2009-2014. Journal of Business & Banking, 6(1), 81–98. https://doi.org/10.14414/jbb.v6i1.893 Suheriadi. (2020). Dampak PSBB: Awas, kredit macet mengintai. Retrieved from https://infobanknews.com/dampak-psbb-awas-kredit-macet-mengintai/ Susanti, N., Latifa, I., & Sunarsi, D. (2020). The effects of profitability, leverage, and liquidity on financial distress on retail companies listed on Indonesian stock exchange. Jurnal Ilmiah Ilmu Administrasi Publik, 10(1), 45-52. https://doi.org/10.26858/jiap.v10i1.13568 Susdaryo, Y., Sofiati, N. A., Kumaratih, I., Limakrisna, N., Che Haat, M. H., Muhammad, Z., Kusumawardani, A., & Saputra, J. (2021). Factors that affect financial distress in Indonesia. International Journal of Research - Granthaalayah, 9(9), 306–315. https://doi.org/10.29121/granthaalayah.v9.i9.2021.4269 Ukhriyawati, C. F., Arifin, A., & Mulyati, S. (2021). Pengaruh kinerja keuangan dalam memprediksi kondisi financial distress pada perbankan yang terdaftar di bursa efek Indonesia. Jurnal Bening, 8(2), 256–274. Yurivin, N., & Mawardi, W. (2018). Analisis faktor-faktor yang mempengaruhi financial distress pada perusahaan perbankan di Indonesia (Studi pada bank umum swasta devisa dan non devisa periode 2012-2016). Diponegoro Journal of Management, 7(4), 581–589. Zainal, V. R., Basir, S., Sudarto, S., & Veithzal, A. P. (2013). Commercial bank management: Manajemen perbankan dari teori ke praktik. Jakarta: Raja Grafindo Persada.
IMPLEMENTASI TA’WIDH PADA PEMBIAYAAN KPR STUDI KASUS DI BTN SYARIAH CABANG JOMBANG Imam Azizuddin; Saeful Bahri
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 6, No 1 (2021)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v6i1.7328

Abstract

Pembiayaan KPR BTN iB yang ada di BTN Syariah Jombang memakai akad murobahah dan istishna’ dengan cara diangsur. Hal tersebut memungkinkan nasabah mengalami telat bayar angsuran, ini mengakibatkan BTN Syariah membebankan ta’widh pada debitur. Penelitian ini bertujuan untuk mengetahui: Implementasi Ta’widh pada pembiayaan KPR di BTN Syariah cabang Jombang dan Peninjauan fatwa DSN-MUI Nomor 43/DSNMUI/VIII/2004 dalam prosedur penentuan ta’widh. Metode yang digunakan dalam penelitian ini yaitu mengambil data sesuai fakta yang ada dengan metode Observasi, Wawancara dan Studi Pustaka. Hasil dari penelitian ini menunjukan bahwa BTN Syariah berbeda dengan fatwa DSN pada poin ketentuan khusus ayat 3, dalam akad tidak boleh mencantumpakn nilai besarnya Ta’widh, akan tetapi pada praktiknya pihak BTN sudah menentukan besaran ta'widh yakni tiap-tiap Rp.100.000,- dari tunggakan angsuran ditetapkan ta’widh sebesar Rp.67,- dikalikan jumlah hari tunggakan tersebut.Kata Kunci: Ta'widh, Pembiayaan KPR, Murobahah, dan Istishna’.
PENGARUH FAKTOR INTERNAL DAN EKSTERNAL TERHADAP PEMBIAYAAN SEKTOR UMKM PADA BANK UMUM SYARIAH DI INDONESIA Mir’atul Amalia; Imam Azizuddin
Stability: Journal of Management and Business Vol 5, No 1 (2022): July
Publisher : Universitas PGRI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26877/sta.v5i1.11730

Abstract

The purpose of this study to analyze effect of internal and external factors on MSME financing in Islamic banks of Indonesia. The research sample used purposive sampling metod and optained 10 samples of Islamic Commercial Banks in Indonesia. The research data was sourced secondary data from the quarterly financial statements of each Islamic bank for period March 2016-June 2020 and produced 180 researces data. The research analysis used panel data regression with independent variables internal and external bank includes bank size, TPF, KPMM, ROA, NPF, FDR, inflation, and 7-day BI. The results of this study show that partially bank size, TPF, and CAR has a significant effect on MSME financing. However ROA, NPF, FDR, inflation, and BI 7-day have no significant effect on MSME financing. Bank size, TPF, KPMM, ROA, NPF, FDR, inflation, and BI 7-day have a significant effect on the allocation of MSME financing in simultaneously.
PENGARUH PERUBAHAN TINGKAT SUKU BUNGA DAN INFLASI TERHADAP PEMBIAYAAN BANK UMUM SYARIAH (Studi Kasus Pada Bank Umum Syariah Tahun 2020) Imam Azizuddin; Tazkiyah Rasyidah
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 7 No. 01 (2022): JESPB Edisi April 2022
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v7i01.310

Abstract

The study is purpose to know the effect of inflation and interest rates on financing at islamic commercial banks registered with financial services authorities for period in 2020. In this study used the quantitative method, secondary data and time series. The data obtain from the reports published by Indonesias Statistics agency and Bank Indonesia included for sample in this study at 2020. This study were 12 data. The technique was used for this study is multiple linier regression using the Eviews 10 application program. The results of the analysis proses that inflation have negatively affects not significant while interest rates have negative and significant effect on financing at Islamic Commercial Banks. And the result of the silmutan test (F-Test) stated the inflation and interest rates together or simultaneous have a significant influence on financing at Islamic Commercial Banks.
The Effect Of Financial Ratio To Net Income For The Period 2013-2017: (Study At PT. Bank Syariah Mandiri Indonesia) Alwahidin; Imam Azizuddin
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 8 No 2 (2020): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to find out if the financial ratio has a significant positive effect on net profit for the period 2013-2017 at PT. Bank Syariah Mandiri Indonesia. This research uses quantitative methods using time series data on the financial statements of Bank Syariah Mandiri Indonesia period 2013-2017, purposive sampling used as a method of selection of this research sample. The methods used are descriptive statistical analysis, standard assumption tests and multiple linear regression equation tests with SPSS 21, with a significant rate of 5%. Based on the results of this study, it finds that the financial ratio positively does not have a significant effect on the profit of Bank Syariah Mandiri Indonesia from the f test result obtained from f count of 1,384 with a significant value of 0.284>0.05 because the probability is much higher than 0.05 so it can conclude that there is no significant influence on the variable financial ratio to the profit of Bank Syariah Mandiri Indonesia Period 2013-2017.
Co-Authors Alwahidin Andini Febriyanti Hariono Ilyas Nurul Azam Mir’atul Amalia Muhammad Hamdan 'Ainulyaqin Saeful Bahri Tazkiyah Rasyidah