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All Journal Niagawan EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Moneter : Jurnal Akuntansi dan Keuangan J-EBIS (Jurnal Ekonomi dan Bisnis Islam) EKONOMIKA SYARIAH : Journal of Economic Studies EKONOMIKA SYARIAH : Journal of Economic Studies Jurnal Ilmiah Mahasiswa
Khairatun Hisan
IAIN Langsa
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Social Sciences Other

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Journal : Jurnal Ilmiah Mahasiswa

 1 
Faktor faktor yang mempengaruhi profitabilitas pada BPRS Serambi Mekah Kota Langsa Rukaiyah Rukaiyah; Khairatun Hisan
JIM: Jurnal Ilmiah Mahasiswa Vol 5, No 1 (2023): April 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v5i1.5910

Abstract

Bank is a financial institution that aims to make a profit. This profit is obtained from the management of funds from the community. Profitability is the bank's ability to generate / earn profits as measured by the ROA ratio. Return On Assets (ROA) is one way to measure the level of a bank's ability to make a profit. This study aims to examine profitability which is influenced by Earning Assets, Operating Income, Operational Expenses, and Profit Sharing for Fund Owners at PT BPRS Seurambi Mekah Kota Langsa. In this study using quantitative data because it analyzes data in the form of numbers / numerics. Data obtained based on the publication of Annual Bank, the analysis technique used is multiple linear regression analysis. The results of this study found that Productive Activities and Operational Expenses have a significant effect on profitability, and profit sharing on fund owners has no significant effect on profitability.
Faktor-Faktor yang Mempengaruhi Keputusan Nasabah Menggunakan Setor Tunai di Anjungan Tunai Mandiri Bank Syariah Indonesia Kota Langsa Sabilla Ayuni; Khairatun Hisan; Abdul Hamid
JIM: Jurnal Ilmiah Mahasiswa Vol 5, No 2 (2023): Oktober 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v5i2.6926

Abstract

The purpose of this study was to determine the effect of convenience, need, trust and location on customers' decisions to use cash deposit at Bank Syariah Indonesia Automated Teller Machines, Langsa City. This research approach is quantitative. The population in this study were all users of Bank Syariah Indonesia cash deposit ATMs in Langsa City, while the sample used was 75 people. Data collection techniques consist of observation, interviews, questionnaires and documentation. Data analysis techniques include analysis prerequisite tests, classic assumption tests and hypothesis testing. The results of the study show that convenience has a positive and significant effect on customers' decisions to use cash deposits at Bank Syariah Indonesia Automated Teller Machines, Langsa City. This is evidenced by the sig value of the convenience variable, which is 0.035 <0.05 and the tcount value is 2.930 > 1.9944 (ttable). Needs have a positive and significant effect on customers' decisions to use cash deposits at Bank Syariah Indonesia Automated Teller Machines, Langsa City. This is evidenced by the sig value of the needs variable, namely 0.011 <0.05 and tcount 2.616 > 1.9944 (ttable). Trust has a positive and significant effect on customers' decisions to use cash deposits at Bank Syariah Indonesia Automated Teller Machines, Langsa City. This is proven based on the sig value of the trust variable, which is 0.047 <0.05 and the tcount value is 2.935 > 1.9944 (ttable). Location has a positive and significant effect on customers' decisions to use cash deposits at Bank Syariah Indonesia Automated Teller Machines, Langsa City. This is evidenced by the sig value of the location variable, namely 0.020 <0.05 and tcount 3.113 > 1.9944 (ttable). Convenience, need, trust and location simultaneously have a positive and significant impact on customer decisions to use cash deposit at Bank Syariah Indonesia Automated Teller Machines in Langsa City. This is evidenced by the results of the F test obtained sig 0.001 <0.05 and Fcount > Ftable (2.774 > 2.50).
Co-Authors ABDUL HAMID Abdul Hamid Farhatul Muhaya Khairatunnisa Rizkia Novita Yana Riski Syahpitri Sabilla Ayuni Safwan Kamal St. Rukaiyah Zikriani Zikriani Zulkarnaini Zulkarnaini