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Journal : Jurnal Ilmiah Ekonomi Islam

Pengaruh NPF, BOPO, Inflasi dan Nilai Tukar Terhadap Kinerja (ROA) pada Bank Umum Syariah Masa Pandemi Covid 19 Milda Handayani; Muhammad Richo Rianto; Ari Sulistyowati; Supriyanto Supriyanto
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5787

Abstract

This study is a measurement of microeconomic variables using non performing financing (NPF) and operating costs (BOPO) and macroeconomic variables using inflation and exchange rates on performance using the profitability ratio (ROA) at Islamic commercial banks during the covid-19 period. This study is a quantitative design study with the object of research being Islamic commercial banks in Indonesia during the COVID-19 pandemic. Sampling in this study used purposive sampling with a total of 3 Islamic Commercial Banks. IBM Statistical SPSS version 23 program is the analytical method used in this study. The results of this study conclude that microeconomic variables that use NPF and BOPO affect the performance of Islamic Commercial Banks during the covid 19 pandemic. Meanwhile, macroeconomic variables with inflation and exchange rates have different results, where inflation has an effect on performance, but the exchange rate has no effect on the performance of Islamic Commercial Banks during the covid 19 pandemic. This study focuses on measurement using the financial ratio method. This research also makes a new contribution to the phenomenon of Islamic commercial banks during the covid 19 pandemic. This research can also be input and an overview of strategies that can be taken by related parties so that they can improve positive performance, especially in dealing with extraordinary conditions such as the COVID-19 pandemic.
Pengaruh Financial Literacy, Return dan Resiko terhadap Keputusan Investasi Generasi Milenial Islam di Kota Bekasi Ari Sulistyowati; Muhammad Richo Rianto; Milda Handayani; Eri Bukhari
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5956

Abstract

This study was used to measure the effect of financial literacy, return, and risk on the investment decisions of Islamic millennial generation of Bekasi City. This research is quantitative research where the object used is the Islamic millennial generation in Bekasi City. The number of samples used in this study was 130 respondents. Data collection techniques using questionnaires and data processing and hypothesis testing using SmartPLS 3.0. The results of this study explain that the financial literacy variable has a positive effect on the investment decisions, the return variable has a positive effect on the investment decisions and the risk variable has a positive effect on the investment decisions.
Pengaruh NPF, BOPO, Inflasi dan Nilai Tukar Terhadap Kinerja (ROA) pada Bank Umum Syariah Masa Pandemi Covid 19 Milda Handayani; Muhammad Richo Rianto; Ari Sulistyowati; Supriyanto Supriyanto
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI : Vol. 8, No. 2, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5787

Abstract

This study is a measurement of microeconomic variables using non performing financing (NPF) and operating costs (BOPO) and macroeconomic variables using inflation and exchange rates on performance using the profitability ratio (ROA) at Islamic commercial banks during the covid-19 period. This study is a quantitative design study with the object of research being Islamic commercial banks in Indonesia during the COVID-19 pandemic. Sampling in this study used purposive sampling with a total of 3 Islamic Commercial Banks. IBM Statistical SPSS version 23 program is the analytical method used in this study. The results of this study conclude that microeconomic variables that use NPF and BOPO affect the performance of Islamic Commercial Banks during the covid 19 pandemic. Meanwhile, macroeconomic variables with inflation and exchange rates have different results, where inflation has an effect on performance, but the exchange rate has no effect on the performance of Islamic Commercial Banks during the covid 19 pandemic. This study focuses on measurement using the financial ratio method. This research also makes a new contribution to the phenomenon of Islamic commercial banks during the covid 19 pandemic. This research can also be input and an overview of strategies that can be taken by related parties so that they can improve positive performance, especially in dealing with extraordinary conditions such as the COVID-19 pandemic.