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Analisis Camel Pada Bank Syariah dan Dampaknya Terhadap Risiko Kredit Rakhmat, Adrianna Syariefur; Fahamsyah, Mohammad Hatta; Nurastuti, Preatmi; Ainulyaqin, Muhammad Hamdan
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15429

Abstract

This research aims to analyze the influence of ROA, NPF, NPM, BOPO and FDR on CAR. The sample used in this research used 60 data. The analytical tools used were Classic assumption test, multiple linear regression, t test, F test and determinant coefficient. The research results show that partially the variable Return on Assets (ROA) has a positive and significant effect on the Capital Adequation Ratio (CAR) and the Financing to Deposit Ratio (FDR) has a positive and insignificant effect on the Capital Adequation Ratio (CAR). Meanwhile, Non-Performing Financial (NPF), Net Profit Margin (NPM) and Operating Costs/Operating Income (BOPO) have a negative and significant effect on the Capital Adequation Ratio (CAR). Simultaneously, the variables Return on Assets (ROA), Non-Performing Financing (NPF), Net Profit Margin (NPM), Operational Costs/Operational Income (BOPO), and Financing to Deposit Ratio (FDR) have a significant positive effect on the Capital Adequation Ratio (CAR ). The determinant coefficient r square value of 0.571 means that the variables Return on Assets (ROA), Non-Performing Financing (NPF), Net Profit Margin (NPM), Operational Costs/Operational Income (BOPO), and Financing to Deposit Ratio (FDR) have an impact on The Capital Adequation Ratio (CAR) is 57.1% and there are still other variables remaining at 42.9%
Profit-Loss Sharing in Islamic Banking: Global Insights from a Systematic Review Fahamsyah, Mohammad Hatta; Laila, Nisful; Rakhmat, Adrianna Syariefur; Shabbir, Malik Shahzad
Economica: Jurnal Ekonomi Islam Vol. 14 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2023.14.2.26021

Abstract

Islamic banking emerged as a response to the limitations of interest-based financial systems, offering alternative models rooted in Shariah principles—chief among them the profit-and-loss sharing (PLS) mechanism. This study re-examines the implementation of PLS in Islamic banks, identifying key challenges and outlining directions for future research within the framework of Shariah-compliant financial practices. Employing a systematic literature review of Scopus-indexed journal articles, the study compares theoretical foundations and empirical evidence surrounding PLS applications in contemporary Islamic banking. Findings indicate that PLS practices remain only partially aligned with Shariah principles, constrained by insufficient regulatory oversight, heightened credit risk, and moral hazard concerns. The study also identifies critical gaps in community awareness and operational management, underscoring the need for product innovation, stronger governance structures, and targeted educational initiatives. These insights point to three strategic priorities for stakeholders: enhancing governance to mitigate moral hazards, integrating macroeconomic policy support to improve PLS scalability, and expanding public education to close knowledge gaps. Together, these measures can support a more sustainable, equitable, and competitive Islamic banking sector.
Pengembangan Ekonomi Berbasis Pesantren Adrianna Syariefur Rakhmat; Ainulyaqin, Muhammad Hamdan; Edy, Sarwo; Permana, Indra; Ardianto, Riski Eko
Lentera Pengabdian Vol. 1 No. 01 (2023): Januari 2023
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/lp.v1i01.10

Abstract

Sumber pendapatan utama MTs Tarbiyatul Mubtadi’in adalah SPP (Sumbangan Pembinaan Pendidikan) dan Bantuan Operasional Sekolah (BOS). Begitupula dengan santrinya yang berjumlah sekitar 100an, dengan demikian sumber dana Pesantren masih sangatlah terbatas. Keterbatasan dana ini lah yang menjadikan honor pendidik/guru/ustadz di MTs Tarbiyatul Mubtadi’in masih terbatas. Kesejahteraan guru pada suatu lembaga pendidikan harus difikirkan dengan matang. Kesejahteraan guru akan menunjang profesionalisme seorang guru tersebut.. Dalam rangka meningkatkan kesejahteraan guru/ustadz, maka Pesantren perlu membentuk UMKM atau koperasi. UMKM ini perlu didaftarkan agar memiliki akses pembiayaan dan akses bantuan dari pemerintah. Pengabdian masyarakat ini dilaksanakan di Pondok Pesantren Tarbiyatul Mubtadi’in yang terletak di Kampung Buwek Desa Sumber Jaya Kabupaten Bekasi. Kegiatan ini diawali dengan sosialisasi kepada Pimpinan Pondok Pesantren mengenai pentingnya legalisasi Usaha Menengah Kecil Mikro (UMKM) Pesantren, dan selanjutnya dilakukan pendampingan terhadap staff atau ustadz atau guru yang mengelola usaha Pesantren.
Implementasi Media Promosi dan Informasi Pada SMP Insan Kamil Cikarang Berbasis Website Zy, Ahmad Turmudi; Muhammad, Najamuddin Dwi Miharja; Edora, Edora; Rakhmat, Adrianna Syariefur; Fahamsyah, Mohammad Hatta
Lentera Pengabdian Vol. 1 No. 01 (2023): Januari 2023
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/lp.v1i01.14

Abstract

ABSTRAK Di Indonesia, terdapat beberapa jenjang sekolah yang terdiri dari SD (Sekolah Dasar), SMP (Sekolah Menengah Pertama), SMA (Sekolah Menengah Atas), dan SMK (Sekolah Menengah Kejuruan). Salah satu sekolah SMP di Indonesia adalah SMP Insan Kamil Cikarang. Website merupakan salah satu media yang sangat efektif untuk digunakan sebagai media promosi dan penyebaran informasi bagi sekolah, Salah satu cara yang sering digunakan oleh sekolah dalam mempromosikan diri adalah dengan menyebarkan pamflet. Namun, pamflet sebenarnya merupakan salah satu media promosi yang sudah kuno dan kurang efektif. Pembuatan Website sebagai media Promosi dan Informasi di SMP IT Insan Kamil Cikarang Kabupaten Bekasi ternyata berdampak positif bagis sekolah dalam penyebaran Informasi dan promosi. Kata kunci: PKM, Website, Promosi
Meningkatkan Kapabilitas Kewirausahaan Guru Pesantren Adrianna Syariefur Rakhmat; Riski Eko Ardianto; Indra Permana; Muhammad Hamdan Ainulyaqin; Sarwo Edy
Lentera Pengabdian Vol. 1 No. 04 (2023): Oktober 2023
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/lp.v1i04.118

Abstract

Sumber pendapatan utama MTs Tarbiyatul Mubtadi’in adalah SPP (Sumbangan Pembinaan Pendidikan) dan Bantuan Operasional Sekolah (BOS). Begitupula dengan santrinya yang berjumlah sekitar 100an, dengan demikian sumber dana Pesantren masih sangatlah terbatas. Keterbatasan dana ini lah yang menjadikan honor pendidik/guru/ustadz di MTs Tarbiyatul Mubtadi’in masih terbatas. Kesejahteraan guru pada suatu lembaga pendidikan harus difikirkan dengan matang. Kesejahteraan guru akan menunjang profesionalisme seorang guru tersebut. Dalam rangka meningkatkan kesejahteraan guru/ustadz, maka Pesantren perlu membentuk jiwa kewirausahaan guru. Pengabdian masyarakat ini dilaksanakan di Pondok Pesantren Tarbiyatul Mubtadi’in yang terletak di Kampung Buwek Desa Sumber Jaya Kabupaten Bekasi. Kegiatan ini dilakukan melalui sosialisasi kepada Pimpinan Pondok Pesantren mengenai pentingnya guru dalam meningkatkan kompetensi kewirausahaan guna meningkatkan kesejahteraannya.
Leverage on Firm Value with Two Diversifying Profitability and Investment Opportunities Nurastuti, Preatmi; Rasyiddin, Ahmad; Rakhmat, Adrianna Syariefur
Journal of Research in Social Science and Humanities Vol 5, No 2 (2025)
Publisher : Utan Kayu Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47679/jrssh.v5i2.373

Abstract

This research contributes to scientific studies on the contribution of leverage structure to increasing firm value using mediation: profitability and Investment Opportunity Set. This is relevant considering 1. The importance of the leverage function for the company, 2. Profitability and investment opportunities as mediation in increasing firm value are ignored in previous studies. 3. This study also replicates leverage for value creation mediated by IOS, considering that leverage is important for the financial health of the company to grow in creating firm value. This study will help policy makers to have a greater focus on creating firm value. The research analysis was conducted using path analysis, Sobel test, which is used to test the hypothesis from quantitative data taken from manufacturing companies listed on the Indonesia Stock Exchange. This study shows that leverage cannot affect firm value. Profitability also cannot affect firm value. However, leverage can affect profitability or the ability to generate profits as the company's profit power. The company's profit power has the potential to open up investment opportunities and increase firm value.