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Journal : EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)

Pengaruh Tingkat Inflasi Dan Pendapatan Usaha Pegadaian Terhadap Pembiayaan Rahn Pada Pegadaian Syariah Tahun 2011-2020 Siti Aisah; R. Deden Adhianto; Putri Anjelli
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 2 (2021): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v5i2.174

Abstract

In deciding the provision of rahn financing, it is influenced by various conditions, especially internal and external conditions. These internal factors or conditions include the development of pawnshop business income. Meanwhile, external conditions or factors can be seen from the financial conditions that occur in Indonesia, for example the inflation rate. This study aims to determine the effect of inflation rate and operating income on rahn financing at Islamic pawnshops in Indonesia partially and simultaneously. This research was conducted at a non-bank financial institution, namely PT. Pawnshops that focus on sharia segmentation. This type of research uses a quantitative descriptive method that is associative. The secondary data used in this study used a documentation study data collection technique. This research uses multiple linear regression data analysis method. Based on the results of the analysis and discussion of the data in this study, it is stated that the first tcount is -0.030, meaning that ttable is greater than tcount (2.365 > -0.030) and sig.0.977 > 0.05. From these results, inflation has a negative effect and inflation does not have a significant effect on the financing of rahn partially. Second, the results of the tcount value on the operating income variable produce a tcount of 7.141, meaning that tcount is greater than ttable (7.141 > 2.365) and a significant value of 0.000 < 0.05. From these results, it means that operating income has a positive effect and pawnshop income has a significant effect on Rahn's financing partially. The results of the simultaneous test (f test) obtained a ftable value of 4.46 because the fcount value of 38,698 is greater than the ftable value and the significance value of 0.000 is much smaller than 0.05. So it can be concluded that the inflation variable and Pawnshop income simultaneously affect the rahn financing variable at the Indonesian Sharia Pawnshop. And the relationship between the independent variable and the dependent variable in this study was 0.893 or 89.3%, while 10.7% was explained by other factors not presented in this study.
Pengaruh Pendapatan Operasional terhadap Laba Bersih pada Bank Muamalat Indonesia Tbk. Periode 2015-2020 Evita Septiani Jaenab; Ghina Fatimatuzzahro; Salsabila Gita Tsanya; R. Deden Adhianto
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 2 (2021): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v5i2.175

Abstract

This study aims to determine the effect of operating income on net income at Bank Muamalat Indonesia Tbk. The period 2015 to 2020. The research method used is an associative quantitative method using secondary data in the form of the financial statements of Bank Muamalat Indonesia which are publicly registered with the Financial Services Authority. Hypothesis testing using simple linear regression analysis through t-test with a view to knowing the effect of independent variables on the dependent variable. The results of this study that the Operating Income variable on Net Profit has a correlation value or relationship (R) of 0.856 (Very Strong), and the value of the Determination Coefficient or R Square of 0.732 in other words the effect is 73.2%, meaning that the X variable (Operational Income) has an effect on on the variable Y (Net Profit) at Bank Muamalat Indonesia Tbk. While the remaining 26.8% is determined by other variables not examined by researchers, namely Non-Operational Income.
Pengaruh Pembiayaan Musyarakah Terhadap Pendapatan Bank BRI Syariah Indonesia Periode 2014-2020 Noorulviah Beredhawati Atmaja; Siti Amallia Tadim; R. Deden Adhianto
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 2 (2021): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v5i2.176

Abstract

Consumer financing is one of the focuses of BRI Syariah financing distribution because it has a low risk. This is because consumer financing is based on mortgages and multi-purpose financing. This study aims to determine the effect of Musyarakah Financing on Income. This research was conducted at Bank BRI Syariah Indonesia for the period 2014 to 2020. This method uses a descriptive quantitative approach. The development of Islamic banking is also marked by an increase in the distribution of financing. Financing is very important because this financing factor is the key to the development of Islamic banks in the future. Ideally, Islamic bank financing is dominated by musharaka contracts which are run with a profit-sharing system. The data used in this study is secondary data derived from annual reports that can be accessed through the Financial Services Authority website in the form of an annual time series from 2014-2020. This study applies a simple linear regression data analysis method. Based on the results of research using the SPSS Version 20 statistical program, Musyarakah Financing (X) has a positive and significant effect on Income (Y).