Article Per Year (5 Year)
p-Index From 2020 - 2025
0.61
P-Index
This Author published in this journals
All Journal Jurnal Ilmiah Wahana Pendidikan
Isro'iyatul Mubarokah
Unknown Affiliation
Religion Education Social Sciences Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Analisis Pengaruh Pembiayaan Musyarakah Terhadap Pendapatan Pembiayaan Bagi Hasil Pada Tiga Bank Umum Syariah Periode 2019 - 2021 Putri Faraz Oktavi Yanti; Isro'iyatul Mubarokah
Jurnal Ilmiah Wahana Pendidikan Vol 9 No 3 (2023): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (288.385 KB) | DOI: 10.5281/zenodo.7633018

Abstract

Islamic financial banking activities do not use the interest method, which is prohibited by Islamic law. Islamic banks can generate profit-sharing income from profit-sharing-based financing, one of which is musyarakah financing. Revenue sharing will increase in proportion to the level of public interest in musyarakah financing. Identifying the impact of musyarakah financing on revenue sharing simultaneously and significantly is the goal of this study. Associative quantitative methodology, which analyzes the link among two or more variables was used in this research. A sum of 36 variables, including samples of quarterly financial reports at three Indonesian Sharia conventional banks, specifically Bank Muamalat Indonesia, Bank Syariah Indonesia, and Bank BCA Syariah, were included in this research study. The data collection technique in this research is secondary data using samples of three quarterly financial report documents for Indonesian Sharia commercial banks on the OJK website for the period 2019 – 2021. An analysis of the classical assumption test, which includes the normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test, as well as a simple linear regression assumption test, t test, and coefficient of determination test, was carried out to test this research using SPSS version 26. The conclusion of this research gives the result that Revenue sharing is significantly and favorably impacted by musyarakah finance with hypothesis H1 being accepted and hypothesis H0 being rejected
Bahasa Indonesia Pengaruh Non Performing Loan (NPL), Biaya Operasional Dan Pendapatan Operasional (BOPO) Dan Loan to Deposit Ratio (LDR) Terhadap Return On Assets (ROA) Bank Persero Anita Purwanti; Isro'iyatul Mubarokah
Jurnal Ilmiah Wahana Pendidikan Vol 9 No 14 (2023): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.8171495

Abstract

Soundness level of a Commercial Bank can be assessed from several indicators. One of the main indicators used as the basis for the assessment is the related financial statements. Based on the financial statements, a number of financial ratios can be calculated to help businesspeople, both the government and other users of financial reports, in assessing the Bank's financial condition. This study aims to determine the effect of banking risk which is analyzed by influencing the ratio of NPL (Non Performing Loans), BOPO (Operating Costs and Operating Income), LDR (Loan to Deposit Ratio) to ROA (Return on Assets) of BUMN Banks. The data used in this study were obtained from the financial statements of state-owned banks registered with the Financial Services Authority. The number of bank samples studied were 4 state-owned banks registered with the Financial Services Authority for the 2019-2022 period. The data used in this study is secondary data in the form of quarterly financial reports. The research method used is multiple linear regression analysis processed using SPSS on the ratios of NPL, BOPO and LDR which significantly affect ROA. The results of this study indicate that the NPL and BOPO variables have a negative effect on ROA, and LDR has no effect on ROA.
Co-Authors Anita Purwanti Dailibas Dailibas Elena Rahmatika Putri Faraz Oktavi Yanti