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Pendapatan Nasional Dalam Perspektif Ekonomi Islam Asyari Hasan; Alim Saparuddin Harahap; Maulida Tsaqifa Az-Zahra; Muhamad Ibrahim; Annisa Amalia Zahra
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 5 No. 1 (2023): Eco-Iqtishodi: Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/ecoiqtishodi.v5i1.3608

Abstract

The understanding of national income in both conventional and Islamic economics is examined in detail in this study. This study aims to comprehend the definition of national income, Islamic economics' perspective on the national approach, and the factors that influence the national approach. The strategy utilized in this examination is a library of research techniques and decisive reasoning from the creator. The literature review and a number of pertinent works related to the main topic of discussion serve as the basis for the discussion in this study. According to the findings of this study, a nation's national income is the total amount a community in a country receives in a single year. Public pay can likewise be estimated utilizing pointers like GDP (Gross domestic product) or Gross Public Pay (GNI), which measure the worth of all labor and products created within the limits of a nation or by residents of a country. From the point of view of Islamic economics, ghanimah, zakat, alms, infaq, ushr, jizyah, kharaj, mining taxes and waqf are all sources of national income. Factors that impact pay incorporate total interest and supply, utilization and reserve funds, and venture.
Pengaruh Rasio NPF, FDR, CAR, dan BOPO terhadap Profitabilitas PT Bank Muamalat Indonesia Tbk. 2013-2025 Raihan Khan; Asyari Hasan
An-Nisbah: Jurnal Perbankan Syariah Vol. 7 No. 2 (2026): An-Nisbah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v7i2.5327

Abstract

Profitabilitas PT Bank Muamalat Indonesia Tbk selama periode 2013–2025 menunjukkan kecenderungan menurun meskipun total aset perusahaan mengalami pertumbuhan. Kondisi tersebut mengindikasikan bahwa peningkatan aset belum sepenuhnya diikuti oleh kemampuan bank dalam menghasilkan laba secara optimal, sehingga perlu dianalisis faktor-faktor internal yang memengaruhi Return on Assets (ROA). Penelitian ini bertujuan untuk menganalisis pengaruh Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap ROA PT Bank Muamalat Indonesia Tbk, baik secara parsial maupun simultan. Penelitian menggunakan pendekatan kuantitatif dengan desain asosiatif dan data sekunder berupa laporan keuangan triwulanan periode 2013–2025. Data dianalisis menggunakan EViews 12 melalui statistik deskriptif, uji stasioneritas Augmented Dickey-Fuller, regresi dengan komponen autoregresif AR(1), dan standar error Huber-White-Hinkley HC1. Hasil penelitian menunjukkan bahwa perubahan NPF, FDR, dan CAR memiliki arah pengaruh negatif, tetapi tidak signifikan terhadap ROA. Sementara itu, BOPO berpengaruh negatif dan signifikan terhadap ROA dengan koefisien sebesar -0,094846. Secara simultan, seluruh variabel berpengaruh signifikan terhadap ROA. Nilai adjusted R-squared sebesar 0,955664 menunjukkan bahwa model mampu menjelaskan 95,57 persen variasi ROA. Temuan ini menegaskan bahwa efisiensi operasional merupakan faktor utama yang memengaruhi profitabilitas Bank Muamalat selama periode penelitian.