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All Journal Jurnal Siasat Bisnis Jurnal Ekonomi Kuantitatif Terapan Jurnal Penelitian Pendidikan Guru Sekolah Dasar Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Gadjah Mada International Journal of Business Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Kubik Jurnal Ekonomi Syariah Teori dan Terapan Al-Ihkam: Jurnal Hukum dan Pranata Sosial Global Review of Islamic Economics and Business Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Perisai : Islamic Banking and Finance Journal Economica: Jurnal Ekonomi Islam al-Uqud : Journal of Islamic Economics Al-Muzara'ah Jurnal Ekonomi & Keuangan Islam AFEBI Islamic Finance and Economic Review Muqtasid: Jurnal Ekonomi dan Perbankan Syariah MALIA Journal of Innovation in Business and Economics Amwaluna Jurnal Ekonomi dan Keuangan Syariah Journal of Islamic Monetary Economics and Finance PREPOTIF : Jurnal Kesehatan Masyarakat SEMAR KUBIK: Jurnal Publikasi Ilmiah Matematika Share: Jurnal Ekonomi dan Keuangan Islam BISMA (Bisnis dan Manajemen) Journal of Islamic Economic Literatures International Journal of Waqf Review on Islamic Accounting Islamic Social Finance Jurnal Riset Mahasiswa Matematika Islamic Economics Methodology Jurnal Abdimas Jatibara Fara'id and Wealth Management Maqasid al-Shariah Review Management and Sustainability Accounting and Sustainability Business and Sustainability IEFBR: Islamic Economics, Finance, and Banking Review Journal of Research on Community Engagement

Nisful Laila

Faculty Of Economic And Business, Airlangga University

Author-ID : 3024966

Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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PENGARUH FAKTOR FUNDAMENTAL DAN RISIKO SISTEMATIK TERHADAP HARGA SAHAM PERUSAHAAN DI PASAR MODAL SYARIAH (Studi Kasus di Jakarta Islamic Index Periode 2014-2017) Vega Zahrah Narendra Duhita; Nisful Laila
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 10 (2019): Oktober-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss201910pp1984-1994

This research aims to find out and explain the influence of financial fundamental factors (DER, NPM, ROA, TATO, EPS, and PER) and systematic risks (Stock Beta) on stock price of the companies which were registered on Jakarta Islamic Index period 2014-2017. It uses quantitative approach to find out the relation between one variable and another. Data used is a secondary data including the value of every ratio used and closi stock price in ecery company. The object of the research is 16 companies which were registered on Jakarta Islamic Index during the research period. This research focuses on whether the variables used affect companies’ stock price by using multiple linier regression test and statistical tool IBM SPSS 25 and determining the level of significance 5%. The results of the research show that the fundamental factors and systematic risks simultaneously have a positive and significant effect on companies’ stock price on JII during period 2014-2017. Meanwhile, the variables of DER, ROA, TATO, EPS partially have a positive and significant effect, the variables of NPM, PER, and stock beta have insignificant effect on companies’ stock price on JII during period 2014-2017.Keywords: Fundamental Analysis, Stock Price, Systematic Risks, Jakarta Islamic Index

THE EFFECT OF LEVERAGE, PROFITABILITY, AND ECONOMIC CONDITIONS ON THE RETURNS OF CORPORATE IJARAH SUKUK DURING THE 2015-2018 PERIOD Meidina Ana Ogie; Nisful Laila
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 2 (2020): Februari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20202pp389-400

This research intends to analyze the impact of the variables of Debt to Equity Ratio (DER), Return on Asset (ROA), inflation and interest rates on returns of corporate ijarah Sukuk during the period of 2015-2018. The data gathered for this research is from the Financial Statements derived from the official website of each Company, Statistical Bureau Agency (BPS), Indonesia Price Bond Agency (IPBA) and Bond Book published by Financial Services Authority (OJK). The method of analysis used is the panel data regression analysis. The sample collected purposive sampling method is 18 Sukuk which are from 4 Sukuk publishing companies. The best model to process the data is the Random Effect Model. The result of the study shows that all variables affect the Sukuk yields simultaneously; however, the DER variable has a significant positive effect on Sukuk yields partially. Meanwhile, the ROA variable and inflation are not significant negative and interest rates have a negative effect significant to Sukuk yields. Keywords: Debt to Equity Ratio (DER), Return on Assets (ROA), Inflation, Interest Rates, Sukuk ReturnsREFFERENCE Alfiani, Damalia. (2013). Pengaruh likuiditas, produktivitas, provitabilitas, dan leverage terhadap peringkat sukuk (studi empiris pada bank umum syariah dan usaha unit syariah periode 2008-2010. Accounting Analysis Journal, 2(1), 110-115.Boediono. (1995). Seri sinopsis pengantar ilmu ekonomi no. 2: Ekonomi makro. Edisi Keempat. Yogyakarta: BPFE.Fahmi, Irham. (2012). Analisis laporan keuangan. Cetakan kedua. Bandung: Alfabeta.Housten, Brigham. (2010). Dasar-dasar manajemen keuangan edisi 1 buku 1. Jakarta: Salemba Empat.Kasmir. (2008). Analisis laporan keuangan. Jakarta: Rajawali Pers.Kadir, Syamsir. (2007). Pengaruh faktor struktural dan fundamental ekonomi terhadap tingkat imbal hasil obligasi korporasi di pasar modal Indonesia. Disertasi tidak diterbitkan. Bandung: Program Doktor Ilmu Ekonomi Universitas Padjajaran.Kuncoro, Mudrajat. (2004). Metode kuantitatif: teori dan aplikasi untuk bisnis dan ekonomi. Yogyakarta: UPP AMP YKPN.Mansur, M. (2009). Pengaruh tingkat suku bunga SBI dan kurs dolar AS terhadap indeks harga saham gabungan bursa efek Jakarta periode tahun 2000-2002. Working Paper in Accounting and Finance.Muhammad. (2014). Manajemen keuangan syariah. Yogyajkarta: UPP STIM YKPN.Rahardjo, Budi. (2009). Dasar-dasar analisis fundamental saham laporan keuangan perusahaan. Yogjakarta: Gajah Mada University Press.Ratih dan Nur Cahyono. (2014). Analisis faktor-faktor yang mempengaruhi peringkat obligasi. Diponegoro Journal of Accounting, 1(1), 1-13.Rosadi, Dedi. (2011). Analisis ekonometrika dan runtut waktu terapan dengan R. Yogyakarta: Andi Offset.Rendragraha, Bhirawa. (2012). Pengaruh faktor fundamental terhadap return saham pada emiten Jakarta Islamic Index tahun 2005-2011. Skripsi tidak diterbitkan. Surabaya: Fakultas Ekonomi dan Bisnis Universitas Airlangga.Sari, Naluritha, Ni Wayan Linda, dkk. (2015). Variabel-variabel yang mempengaruhi yield obligasi pada perusahaan yang terdaftar di Bursa Efek Indonesia. E-Jurnal Manajemen Unud, 4(11), 3796-3824.Sudana, I Made. (2009). Manajemen keuangan teori dan praktik. Surabaya: Airlangga University Press.Sugiyono. (2014). Metode penelitian kuantitatif, kualitatif, dan R&D. Bandung: Alfabeta.Tandelilin, E. (2010). Portofolio dan investasi teori dan aplikasi. Edisi Pertama. Yogyakarta: KanisiusZiebart, David A dan Reiter, Sara A. (1992). Bond Ratings, Bond Yields and Financial Information, Contemporary Accounting Research, 9(1), 252-282.

INTERNAL FACTORS AND MACROECONOMIC FACTORS AFFECTING THE PROFITABILITY OF SHARIA INSURANCE IN INDONESIA FOR THE 2016-2018 PERIOD Alissa Azmul Faoziyyah; Nisful Laila
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 6 (2020): Juni-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20206pp1146-1163

This research aims to examine the company's internal factors and macroeconomic factors partially and simultaneously on the profitability of islamic insurance companies in Indonesia with proxied by Return On Assets. This study uses a quantitative approach with panel data regression analysis techniques. The population of this study is sharia insurance companies in Indonesia during the period 2015-2018. The purposive sampling method is used to determine the sample used and obtained 36 Islamic insurance companies, which consist of Islamic general insurance companies and Islamic life insurance companies. The estimation results of the Fixed Effect Model with the Weighted Least Square (WLS) method show that company size, contribution growth, retakaful, leverage, investment returns, GDP and inflation simultaneously affect the profitability of islamic insurance companies in Indonesia. Partially, contributions growth and investment returns have positive and significant effect on the profitability of Islamic insurance companies in Indonesia. The variabel Company size and GDP have positive and not significant effect on the profitability of Islamic insurance in Indonesia. While the variabel leverage, retakaful, and inflation have a negative and not significant effect on the profitability of Islamic insurance companies in Indonesia. Keywords: Profitability, Islamic Insurance, Company Size, Contribution Growth, Retakaful, Leverage, Investment Results, GDP, InflationREFFERENCE Akotey, J. O., Sackey, F. G., Amoah, L., & Manson, R. F. (2013). The financial performance of life insurance companies In Ghana. The Journal of Risk Finance, 12(3), 182–194. Ali, Zainuddin. (2008). Hukum asuransi syariah. Jakarta: Sinar Grafika.Almajali, A. Y., Alamro, S. A., & Al-Soub, Y. Z. (2012). Factors affecting the financial performance of jordanian insurance companies listed at Amman Stock Exchange. Journal Of Management Research, 4(2), 266–289. Cahyadi, Ady. (2014). Mengelola hutang dalam perspektif Islam. Jurnal Bisnis dan Manajemen, 4(1), 67-7.Cahyani, Y. T. (2018). Pengaruh inflasi, Suku Bunga (BI Rate), Produk Domestik Bruto (PDB) terhadap ROA (Studi pada Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia tahun 2009-2016). Jurnal Ekonomi dan Perbankan Syariah, 5(1), 58-83.Derbali, Abdelkader. (2018). Determinants of performance of Tunisia insurance companies: Case of life insurance. International Journal of Productivity and Quality Management, 24(4), 531-541.Gujarati, Damodar N., Dan Dawn C.P. (2009). Basic econometrics. Singapore: The Mcgraw-Hill Companies Inc. Hasan, N. I. (2014). Pengantar asuransi syariah. Jakarta: Gaung Persada Press Grup.Hidayati, A. A., & Shofawati, A. (2017). Determinan kinerja keuangan asuransi syariah di Indonesia Periode 2014-2016. Jurnal Ekonomi Syariah Teori dan Terapan, 5(11), 892–907.Ismail, Noraini, dkk. (2018). Macroeconomic factors affecting performance of insurance companies in Malaysia. Academy of Accounting and Financial Studies Journal, 22(special issue), 1-5. Kaya, Emine Oner. (2015). The effect of firm-specifict factors on profitability of non-life insurance companies In Turkey. International Journal of Financial Studies, 4(4), 510-529. DOI: https://doi.org/10.3390/ijfs3040510Kramaric, T. P., Miletic, M., & Pavic, I. (2017). Profitability determinants of insurance markets in selected Central and Eastern European Countries. International Journal of Economic Sciences, 6(2), 100-123. DOI: 10.20472/ES.2017.6.2.006Lee, C. (2014). The Effects of firm specific factors and macroeconomics on profitability of property-liability insurance industry in Taiwan. Asian Economic and Financial Review, 4(5), 681–691.Malik, H. (2012). Determinants of insurance companies profitability: An analysis of insurance sector of Pakistan. Academic Research International, 1(3), 315–322.Mehari, D., & Aemiro, T. (2013). Firm specific factors that determine insurance companies’ performance in Ethiopia. European Scientific Journal April, 9(10), 245–255.Prasetyantoko, A., & Parmono, R. (2015). Does firm size matter ? An empirical study of firm performance in Indonesia. Jurnal Manajemen Bisnis, 2(2), 87–97.Sigma No.4/2010 tentang The Impact of Inflation on InsurersTulsian, M. (2014). Profitability analysis (A comparative study of Sail & Tata Steel). Journal Of Economics and Finance (Iosr-Jef), 3(2), 19–22.Widarjono, A. (2005). Ekonometrika : Teori dan aplikasi untuk ekonomi dan bisnis, edisi pertama. Yogyakarta: Ekonisia.Zulaikah. (2017). Efektivitas pengelolaan modal kerja BMT guna menjaga likuiditas dan meningkatkan profitabilitas dalam perspektif ekonomi Islam (Studi pada BMT L-RISMA Lampung Timut). Tesis tidak diterbitkan. Lampung: Institut Agama Islam Negeri Raden Intan Lampung. Zein, Firsty, D & Shofawati, Atina. (2017). Konsisi makro ekonomi terhadap hasil investasi asuransi jiwa syariah di Indonesia. Jurnal Ekonomi Syariah Teori dan Terapan, 5(10), 773-786.

COMPARATIVE ANALYSIS OF THE SOUNDNESS OF BANKS THAT ARE IN THE RGEC (CONVENTIONAL FOREIGN EXCHANGE BANKS AND SHARIA FOREIGN EXCHANGE BANKS) Ivani Ramadhanti; Nisful Laila
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 7 (2020): Juli-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20207pp1362-1377

The purpose of this study was to analyze and test the differences of soundness level between conventional foreign exchange banks and sharia foreign exchange banks in Indonesia. The application of the assessment used RGEC (Risk Profile, Good Corporate Governance, Earnings, Capital) method which was explained by NPF, FDR GCG, ROA, ROE, BOPO, and CAR ratios. The data analysis methods used in this study were descriptive statistics and the Mann–Whitney U test. The total sample in this study was 22 banks (17 conventional foreign exchange banks and 5 sharia foreign exchange banks) which were selected by using a purposive sampling technique. The results of the study proved that there were significant differences NPF, ROA, BOPO, and CAR variables between conventional foreign exchange banks and sharia foreign exchange banks and there were no significant differences in the FDR, GCG, and ROE variables. Sharia foreign exchange banks had FDR and GCG variables that were superior to conventional foreign exchange banks, while the NPL, ROA, ROE, BOPO, and CAR variables of conventional foreign exchange banks were superior when compared to sharia foreign exchange banks. Sharia foreign exchange banks need to improve the quality of banks such as increasing credit for DPK, better in providing the rate of return, further increasing the results of earnings and equity. Whereas the other variables need to be monitored to remain stable and in accordance with predetermined criteria.Keywords: RGEC, bank soundness, NPF, FDR, GCG, ROA, ROE, BOPO, CARREFFERENCESAbdillah, W., & Hartono, J. (2015).Partial Least Square (PLS): Alternatif Structural Equation Modeling (SEM) Dalam Penelitian Bisnis. Yogyakarta: AndiAfzalurrahman. (2000). Muhammad Sebagai Seorang Pedagang. Jakarta: Yayasan Swarna Bhumy. Akhiroh, M. (2018). Aanalisis Faktor-Fakyor Yang Mempengaruhi Kesejahteraan Mustahiq Dalam Pendayagunaan Zakat Produktif (Studi Kasus Badan Amil Zakat Nasional Kota Semarang dan Rumah Zakat Kota Semarang). Undergraduate thesis. Semarang: Universitas Wahid Hasyim. Asnaini. (2008). Zakat Produktif dalam Perspektif Hukum Islam. Yogyakarta : Pustaka Pelajar.Aziz, A.H. et al. (2012). Zakat dan Pemberdayaan. Surabaya: Airlangga University Press. Bojonegoroblok. (2018, 22 Desember) [on-line]. Data BPS, Angka Kemiskinan Bojonegoro Tiga Tahun Ini Turun. Diakses pada tanggal 2 Januari 2019dari http://blokbojonegoro.com/2018/12/22/data-bps-angka-kemiskinan-bojonegoro-tiga-tahun-ini-turun/.Cahyadi, A.M. (2016). Analisis Pengaruh Zakat Produktif Terhadap Kesejahteraan Dengan Perkembangan Usaha Mikro sebagai Variabel Intervining (Studi Kasus Pada Badan Amil Nasional Daerah Istimewa Yogyakarta). Undergraduate thesis. Yogyakarta: Program Studi Hukum Islam UIN Sunan Kalijaga.Cahyono, T. (2017). Statistik Uji Kolerasi. Purwokerto: Yayasan Sanitarian Banyumas.Chapra, M. U. (2000). Sistem Moneter Islam. Jakarta: Gema Insani Press.Farid, M. M (2005). Pajak Itu Zakat Uang Allah Untuk Kemaslahatan Rakyat. Bandung: Mizan Pustaka.Farid, M., Sukarno, H., Puspitasari, N. (2015). Analisis Dampak Penyaluran Zakat Produktif Terhadap Keuntungan Usaha Mustahiq. Artikel Ilmiah Mahasiswa. Jember: Universitas Jember. Hafidhuddin, D. (2002). Zakat Dalam Perekonomian Modern. Jakarta: Gema Insani.Heriangingrum, S., Insani, D.T., Al-Faizin, W.A. (2018). Zakat: Concept and Implications To Social and Economic (Economic Tafsir Of Al-Tawbah:103). Jurnal of Islamic Monetary Economics and Finance. Vol. 04, No. 1, May 2018.Jamal, R. ( 2015). Maqashid Al-Syari’ah dan Relevansinya Dalam Konteks Kekinian. Skripsi tidak diterbitkan. Manado:STAIN Manado. Karimah, A. (2017). Efektivitas Pendayagunaan Zakat Produktif Pada Program Pemberdayaan Ekonomi Masyarakat (Studi Kasus Sejuta Berdaya LAZ Al-Azhar Peduli Ummat di Kelurahan Pisangan, Depok, Jawa Barat). Undergraduate thesis. Jakarta: Fakultas Ekonomi dan Bisnis Universitas UIN Syarif Hidayatullah. Kasim., Budiman, A.M., & Siswanto, E.I. (2014). Analisis Efektivitas Pendaya gunaan Zakat Produktif Program Pemberdayaan Masyarakat di Wilayah Sukabumi (Studi Kasus: Kampung Ternak Dompet Dhuafa). Jurnal Ekonomi Dan Perbankan Syariah.Kholiq, A. (2012). Pendayagunaan Zakat, Infaq, dan Sedekah Untuk Pemberdayaan Ekonomi Masyarakat Miskin di Kota Semarang. Vol. 6, No. 1:39-47.Kuncoro, A.E., &Riduwan. (2017). Cara Mudah Menggunakan dan Memaknai Path Analysis (Analisis Jalur). Bandung: Alfabeta.Mahmudah, H. S., & Ghoniyah, N. (2016) Model Pemberdayaan dan Peningkatan Kinerja Usaha Kecil Menegah (UKM). Semnas. Semarang: Fakultas Ekonomi Unissula.Maulana, H. (2008). Analisa Distribusi Zakat Dalam Meningkatkan Kesejahteraan Mustahik (Studi Pada BAZ Kota Bekasi). Undergraduate thesis. Jakarta: Fakultas Syari’ah dan Hukum Universitas Islam Negeri Syarif HidayatullahMauludi, A. (2015). Teknik Belajar Statistik 2. Jakarta: Alim Publishing. Muda, I., & Arfan, M. (2016). Pengaruh Jumlah Zakat Produktif, Umur Produktif, dan Lama Usaha Mustahik terhadap Produktifitas Usaha Mustahik. Jurnal Ilmiah Mahasiswa Ekonomi Akutansi (JIMEKA). Vol. 1, No. 1. 318-326.Mutia, A., & Zahara, E. A. (2009). Analisis Faktor-Faktor yang Mempengaruhi Kesejahteraan Ekonomi Mustahik Melalui Pemberdayaan Zakat (Studi Kasus Penyaluran Zakat Produktif/Modal Usaha pada BAZDA Kota Jambi). Jurnal Fakultas Syari'ah IAIN Sulthan Thaira Saifuddin Jambi. Vol. 25, No. 1, Juli 2009. Nawawi, I. (2010). Budaya Organisasi Kepemimpinan dan Kinerja Organisasi.Sidoarjo: Mitra MediaNusantara.Nidityo, G. H., & Laila. N. (2014). Zakat Produktif Untuk Meningkatkan Kinerja Produksi, Motivasi dan Religiusitas Mustahiq. Jurnal Ekonomi dan Bisnis Univeritas Airlangga. Vol. 1, No. 9, September 2014. Nugraha, B. (2017). Hubungan Persepi Peserta Tentang Program Life Skill Dengan Pemenuhan Kebutuhan Pokok di PKBM Al-Amin Desa Beusi Kecamatan Ligung Kabupaten Majalengka. Undergraduate thesis. Bandung: Universitas Pasundan. Purbaya, G.A. (2015). Strategi Peningkatan Kesejahteraan Ekonomi Masyarakat Pengusaha Kerupuk dan Camilan Hasil Laut di Pantai Kenjeran Lama Surabaya.Undergraduate thesis.UIN SunanAmpel Surabaya.____.(2016). Strategi Peningkatan Kesejahteraan Ekonomi Masyarakat:Kasus Pengusaha Krupuk dan Camilan Hasil Laut di Pantai Kenjeran Lama Surabaya. Jurnal Online UIN Ampel Surabaya. Vol. 1, No. 1, Desember 2016.Oswari, T., Suhendra, S., Harmoni, A. (2008). Model Perilaku Penerimaan Teknologi Informasi: Pengaruh Variabel Prediktor, Moderating Effect, Dampak Penggunaan Teknologi Informasi Terhadap Produktivitas dan Kinerja Usaha Kecil. Seminar Ilmiah Nasional Komputer dan Sistem Intelijen. Depok: Universitas Gunadarma. Ramli, R.M., & Nurbismi. (2018 ). Pengaruh Zakat Produktif, Pendapatan, dan Kinerja Amil Terhadap Kemiskinan Amil Mustahik di Kota Banda Aceh. Jurnal Ekonomi dan Manejemen Teknologi. Vol. 2, No. 2:55-109.Ridwan, M. (2005). Zakat dan Kemiskinan Instrumen Pemberdayaan Ekonomi Umat. Yogyakarta: UII Press.Rusli, Hamzah, B. A., & Syahnur, S. (2013) Analisis Dampak Pemberian Modal Zakat Produktif Terhadapat Pengentasan Kemiskinan di Kabupaten Aceh Utara. Jurnal Ilmu Ekonomi Pasca Sarjana Universitas Syiah Kuala. Vol.1, No. 1, 2013.Sartika, M. (2008). Pengaruh Pendayagunaan Zalat Produktif Terhadap Pemberdayaan Mustahiq pada LAZ Yayasan Solo Peduli Surakarta. Vol. II, No. 1, Juli 2008.Statistik, P. B. (2018, 16 Juli) [on-line]. Persentase Penduduk Miskin Maret 2018 Turun Menjadi 9,82%. Diakses pada tanggal 2 Januari 2019 dari https://www.bps.go.id/pressrelease/2018/07/16/1483/persentase-penduduk-miskin-maret-2018-turun-menjadi-9-82-persen.html.Sugiyono. (2017). Metode Penelitian Pendidikan Pendekatan Kuantitatif, Kualitatif dan R&D. Bandung: Alfabeta.Supranto, J. (2003). Metode Riset Aplikasi Dalam Pemasaran. Edisi Revisi Ketujuh.Yogyakarta: Rineka Cipta.Suratno. (2017). Pengaruh Pendayagunaan Zakat Produktif Terhadap Pemberdayaan Mustahiq (Studi Pada Lembaga Amil Zakat DPUDT Bandar Lampung). Undergraduate thesis. Fakultas Ekonomi dan Bisnis Islam UIN Raden Intan Lampung. Syarifuddin. (2014). Pengaruh dan Manfaat Zakat Infaq dan Shadaqah Terhadap Produktivitas Usaha dan Kinerja Usaha Serta Kesejahteraan Mustahiq Pada Badan Amil Zakat Daerah Kabupaten/Kota di Provinsi Kalimantan Timur.Thesis. Surabaya: Universitas Airlangga.Tim Kajian Keislaman Nurul Ilmi. (2012). Buku Induk Terlengkap Agama Islam. Yogyakarta: Citra Risalah.Tho’in, M. (2017). Pembiayaan Pendidikan Melalui Sektor Zakat. Jurnal Ekonomi Syariah. Vol. 9, No. 2, 2017. Uswatun, H. (2016). Efektivitas Distribusi Zajat Baznas Sumsel Dalam Meningkatkan Kesejahteraan Mustahik Di Pasar Kuto Periode 2011-2013. Undergraduate thesis. Palembang: UIN Raden Fatah. Wahid, H., Ahmad,S., & Kader, A.R. (2009). Pengagihan Zakat oleh Institusi Zakat kepada Lapan Asnaf: Kajian di Malaysia. Working Paper disampaikan dalam Seminar Kebangsaan Ekonomi Islam 2008/09 pada 10-11 Februari 2009 di APIUM Malaysia.Waluyo, A. (2018). Ekonomi Islam dalam Bingkai MaqashidAsy-Syari’ah. Yogyakarta: Ekuilibria.Winoto, N. G. (2011). Pengaruh Dana Zakat Produktif Terhadap Keuntungan Usaha Mustahik Penerima Zakat (Studi Kasus BAZ Kota Semarang). Undergraduate thesis. Semarang: Universitas DiponegoroYuliani, I. (2017). Pengaruh Zakat Infaq dan Shadaqah (ZIS) Produktif Terhadap Pertumbuhan Usaha Mikro dan Penyerapan Tenaga Kerja Serta Kesejahteraan Mutahik (Studi Pada BAZNAS Daerah Istimewa Yogyakarta). Undergraduate thesis. Yogyakarta: Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sunan Kalijaga Yogyakarta.

THE EFFECT OF INTERNAL AND EXTERNAL FACTORS ON THE FINANCING DISTRIBUTION OF SHARIA BANKS Indah Rahmawati; Nisful Laila
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 8 (2020): Agustus-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20208pp1484-1500

This study aims to review the effect of internal bank factors and macroeconomics factors such as liquidity, financing risk, profit-loss sharing rate, the level of securities ownership, interest rate, inflation, and economic growth against Islamic bank financing in Indonesia. The data used for this research is time series data with monthly frequency from January 2014 to December 2019. Autoregressive Distributed Lag (ARDL) Model results show that in the short term, inflation and economic growth have a significant positive effect on Islamic bank financing. While variable liquidity, financing risk, the level of securities ownership and interest rate have negatively correlated with Islamic bank financing. In the long run liquidity, the level of securities ownership, and economic growth is positive and significant, while financing risk and interest rate have a significant negative effect on Islamic bank financing. In otherwise, profit-loss sharing rate is negative and not significant both in the short and long run. Keywords: ARDL, Financing, Islamic Banking, Internal Bank Factors, External Bank Factors

THE EFFECT OF COMPANY SIZE, LIQUIDITY, LEVERAGE, PROFITABILITY, CORPORATE GOVERNANCE, AND TYPES OF SUKUK ON CORPORATE SUKUK RATINGS IN INDONESIA Ayu Dwi Rukmana; Nisful Laila
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 9 (2020): September-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20209pp1786-1803

ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh ukuran perusahaan, likuiditas, leverage, profitabilitas, corporate governance, dan jenis sukuk terhadap rating sukuk korporasi di Indonesia rating sukuk di peringkat oleh PT. Pemeringkat Efek Indonesia (PEFINDO). Total sampel yang digunakan sebanyak 115 sampel sukuk yang masih beredar pada periode 2014-2018. Penelitian menggunakan pendekatan kuantitatif dengan teknik analisis regresi logistik ordinal. Hasil pengujian model statistik regresi logistik ordinal menemukan bahwa variabel yang berpengaruh terhadap tinggi rendahnya probabilitas rating sukuk korporasi di Indonesia meliputi ukuran perusahaan, likuiditas, corporate governance, dan jenis sukuk. Leverage, Profitabilitas dan jenis sukuk mudharabah tidak berpengaruh secara signifikan terhadap probabilitas tinggi rendahnya rating sukuk korporasi.Kata Kunci: Sukuk, Rating, Regresi Logistik Ordinal ABSTRACTThis paper aims to determine the effect of company size, liquidity, leverage, profitability, corporate governance, and types of sukuk to corporate sukuk ratings in Indonesia. Sukuk ratings rated by PT. Pemeringkat Efek Indonesia (PEFINDO). The total sample used is 115 samples of sukuk that still circulating in the period 2014-2018. This study uses a quantitative approach with ordinal logistic regression. The results of the ordinal logistic regression test found that variables that influence the probability of high and low corporate sukuk ratings in Indonesia are company size, liquidity, corporate governance and types of sukuk. Leverage, profitability, mudharabah sukuk are factors that have no significant effect on the probability of high and low corporates sukuk ratings. Keywords: Sukuk, Rating, Ordinal Logistic Regression

THE IMPLEMENTATION OF PRODUCTIVE FINANCING PROCEDURES AND NON-PERFORMING FINANCING HANDLING PROCEDURES IN THE BHAKTI SUMEKAR SHARIA RURAL BANK AND THE JAWA TIMUR RURAL BANK Annisa Aulia Safitri; Nisful Laila
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 12 (2020): Desember-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss202012pp2326-2338

ABSTRAKPenelitian ini bertujuan untuk mengetahui komparasi sistem dan prosedur yang diterapkan BPRS Bhakti Sumekar dan BPR JATIM pada pemberian pembiayaan produktif serta proses monitoring yang dilakukan sebagai upaya meminimalisir terjadinya pembiayaan bermasalah. Penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan studi kasus deskriptif. Pada penelitian digunakan data primer berupa hasil wawancara dengan pemilihan informan menggunakan teknik purposive sampling dan beberapa dokumen pendukung sebagai data sekunder. Penelitian ini menunjukkan bahwa BPRS Bhakti Sumekar dan BPR JATIM menerapkan strategi berupa analisa pembiayaan yang akurat dengan memperhatikan aspek 5C dan melakukan monitoring berupa pengawasan serta pelatihan untuk karyawan sebagai bentuk mitigasi risiko. Pembiayaan bermasalah yang dinilai masih potensial akan dilakukan proses 3R oleh komite penanganan pembiayaan, tetapi jika pembiayaan bermasalah dinilai tidak potensial maka akan dilakukan penjualan barang jaminan secara bersama atau melalui KPKNL.Kata Kunci: Analisa pembiayaan, monitoring, pembiayaan bermasalah, penanganan pembiayaan bermasalah. ABSTRACTThis study aims to determine the comparison of systems and procedures applied by the BPRS Bhakti Sumekar and BPR JATIM in providing productive financing to minimize the occurrence of non-performing financing, monitoring processes in productive financing, and strategies for handling non-performing financing. This research uses a descriptive qualitative method with a descriptive case study approach. The data in this study were obtained through interviews with 8 informants as primary data and several supporting documents as secondary data. The results of this study indicate that in the provision of productive financing, BPRS Bhakti Sumekar and BPR JATIM have implemented a strategy in the form of an accurate financing analysis that takes into aspects of 5C (character, capacity, capital, collateral and condition) and conducts monitoring in the form of supervision and provides periodic training for employees as a form of risk mitigation. Non-performing financing that has the potential to be restructured will be carried out a 3R (restructure / rescheduling / reconditioning) process by the committee that handles problem financing. Non-performing financing that does not have the potential to be restructured will be sold privately or through the KPKNL.Keywords: financing analysis, monitoring, non – performing financing, non-performing financing solutions

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENGUNGKAPAN INTERNET FINANCIAL REPORTING PADA BANK UMUM SYARIAH DI INDONESIA Rolista Dwi Oktavia; Nisful Laila
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 1 (2021): Januari-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20211pp76-84

ABSTRAKTujuan dari penelitian ini untuk mengetahui pengaruh ukuran bank, profitabilitas, leverage, likuiditas terhadap internet financial reporting pada bank umum syariah di Indonesia secara parsial dan simultan. Menggunakan pendekatan kuantitatif dengan teknik regresi data panel. Serta pupulasi yang digunakan ialah Bank Umum Syariah di Indonesia. Dengan penilaian internet financial reporting menggunakan 45 indikator. Hasil yang didapatkan menunjukkan secara parsial ukuran bank, profitabilitas, leverage, berpengaruh positif signifikan, sedangkan likuiditas berpengaruh negatif signifikan terhadap internet financial reporting. Secara simultan ukuran bank, profitabilitas, leverage, likuiditas berpengaruh positif signifikan terhadap internet financial reporting pada bank umum syariah di Indonesia.Kata Kunci: Ukuran bank, profitabilitas, leverage, likuiditas, internet financial reporting. ABSTRACTThe purpose of this study is to determine the effect of bank size, profitability, leverage, liquidity on internet financial reporting of sharia commercial banks in Indonesia partially and simultaneously. Using a quantitative approach with panel data regression techniques. As well as the population used is Sharia Commercial Banks in Indonesia. The internet financial reporting assessment uses 45 indicators. The results obtained show that partially bank size, profitability, leverage, have a significant positive effect, while liquidity has a significant negative effect on internet financial reporting. Simultaneously, bank size, profitability, leverage, liquidity have a significant positive effect on internet financial reporting at sharia commercial banks in Indonesia.Keywords: Bank size, profitability, leverage, liquidity, internet financial reporting. DAFTAR PUSTAKA Abeywardana, N. L. E., & Panditharathna, K. M. (2016). The extent and determinants of voluntary disclosures in annual reports: Evidence from banking and finance companies in Sri Lanka. Accounting and Finance Research, 5(4). https://doi.org/10.5430/afr.v5n4p147 Almilia, L. S., & Budisusetyo, S. (2011). Corporate internet reporting of banking industry and LQ45 firms: An indonesia example. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.1218947 Andriyani, R., & Rina, M. (2017). Pengaruh tingkat profitabilitas, leverage, jumlah dewan komisaris independen dan kepemilikan institusional terhadap pengungkapan internet financial reporting (IFR) di bursa efek Indonesia. Kompartemen, XV (1), 67–81. http://jurnalnasional.ump.ac.id/index.php/kompartemen/article/view/1380 Fraser, L. M. A. A. O. (2004). Memahami laporan keuangan. Jakarta: PT Indeks. Ikatan Akuntansi Indonesia. (2017). Standar akuntansi keuangan syariah: Penyajian laporan keuangan Syariah 101. Jakarta: Graha Akuntan. Internet World Stats. (2019). Internet growth statistics 1995 to 2019 - the global village online. In Miniwatts Marketing Group. Khikmawati, I., & Agustina, L. (2015). Analisis rasio keuangan terhadap pelaporan keuangan melalui internet pada website perusahaan. Accounting Analysis Journal, 4(1), 1–8. https://doi.org/10.15294/aaj.v4i1.7816 Lai, S. C., Lin, C., Li, H. C., & Wu, F. H. (2010). An empirical study of the impact of internet financial reporting on stock prices. International Journal of Digital Accounting Research, 10(1). https://doi.org/10.4192/1577-8517-v10_1 Lukito, Y. P. (2015). Pengungkapan sukarela internet financial. 17(1), 61–70. Mokhtar, E. S. (2017). Internet financial reporting determinants: a meta-analytic review. Journal of Financial Reporting and Accounting, 15(1), 116–154. https://doi.org/10.1108/JFRA-07-2016-0061 Nuswandari, C. (2009). Pengaruh corporate governance perception index terhadap kinerja perusahaan pada perusahaan yang terdaftar di bursa efek Jakarta. Jurnal Bisnis Dan Ekonomi (JBE), 16(2), 70–84. Otoritas Jasa Keuangan Republik Indonesia. (2016). Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 29/POJK.04/2016 Tentang Laporan Tahunan Emiten atau Perusahaan Publik. 1–29. Diakses dari https://doi.org/https://www.ojk.go.id/id/kanal/pasar-modal/regulasi/peraturan-ojk/Documents/Pages/POJK-Laporan-Tahunan-Emiten-Perusahaan-Publik/POJK-Laporan-Tahunan.pdf Prasetya, M., & Irwandi, S. A. (2012). Faktor–faktor yang mempengaruhi pelaporan keuangan melalui internet (internet financial reporting) pada perusahaan manufaktur di bursa efek Indonesia. The Indonesian Accounting Review, 2(02), 151. https://doi.org/10.14414/tiar.v2i02.91 Pervan, I., & BartuloviÄ‡, M. (2017). Determinants of internet financial reporting of Croatian banks – panel analysis. KnE Social Sciences, 1(2), 170–181. https://doi.org/10.18502/kss.v1i2.655 Putri, M. N. A., & Azizah, D. F. (2019). Pengaruh ukuran perusahaan, leverage dan profitabilitas terhadap pelaporan keuangan melalui internet (Internet financial reporting). Jurnal Akuntansi, 72(2), 1–9. Rizqiah, R. N., & Lubis, A. T. (2019). Penerapan internet financial reporting (IFR) pada bank umum syariah di Indonesia. Jurnal Akuntansi Dan Keuangan Islam, 5(1), 63–81. https://doi.org/10.35836/jakis.v5i1.14 Undang-Undang RI, P. S. (2008). Undang-Undang Republik Indonesia Nomor 21 Tahun 2008 Tentang Perbankan Syariah.Yassin, M. M. (2017). The determinants of internet financial reporting in Jordan: financial versus corporate governance. International Journal of Business Information Systems, 25(4), 526. https://doi.org/10.1504/ijbis.2017.10005621

DETERMINANTS OF BUSINESS INCOME IN SHARIA COMMERCIAL BANKS IN INDONESIA Siti Nur Ro'ikayah; Nisful Laila
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 2 (2021): Maret-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20212pp159-170

ABSTRAKPenelitian yang dilakukan pada Bank Umum Syariah di Indonesia tahun 2015-2019 dilakukan dengan tujuan agar dapat melihat pengaruh jumlah pembiayaan, ukuran, dan Dana Pihak Ketiga (DPK) yang mempunyai pengaruh atas pendapatan usaha yang dimilikinya. Laporan keuangan Bank Umum Syariah (BUS) digunakan sebagai data yang nantinya untuk diteliti. Peneliti menganalisis data melalui metode regresi linier berganda. Peneliti menggunakan sampel laporan keuangan serta sesuai dengan kriteria sampel yang dimiliki oleh 11 Bank Umum Syariah. Teknik yang dipakai dalam memperoleh sampel yakni yang sesuai dengan ketentuan atau purposive sampling. Dari penelitian ini, dihasilkan bahwa secara parsial jumlah pembiayaan memberikan hasil/pengaruh yang signifikan, ukuran bank memberikan hasil/pengaruh yang signifikan, dan dana pihak ketiga tidak berdampak signifikan atas pendapatan usaha Bank Umum Syariah. Sedangkan secara simultan jumlah pembiayaan, ukuran bank, dan dana pihak ketiga mempunyai dampak yang signifikan atas pendapatan usaha BUS di Indonesia.Kata Kunci: Jumlah Pembiayaan, Ukuran Bank, Dana Pihak Ketiga, Pendapatan Usaha. ABSTRACTResearch conducted at Islamic Commercial Banks in Indonesia in 2015-2019 was conducted with the aim of knowing the effect of the amount of financing, size, and Third Party Funds (TPF) which have an influence on the business income they have. The financial reports of Islamic Commercial Banks (BUS) are used as data which will be examined later. Researchers analyzed data using multiple linear regression methods. Researchers used a sample of financial statements and in accordance with the sample criteria owned by 11 Islamic Commercial Banks. The sampling technique used was purposive sampling technique. From this research, it is concluded that partially the amount of financing provides a significant result / effect, the size of the bank gives a significant result / effect, and third party funds do not have a significant impact on the operating income of Islamic Commercial Banks. Meanwhile, simultaneously the amount of financing, bank size, and third party funds have a significant impact on the operating income of Islamic Commercial Banks in Indonesia.Keywords: Total Financing, Bank Size, Third Party Funds, Operating Income.DAFTAR PUSTAKAAfkhar, T. (2017). Influence analysis of mudharabah financing and qardh financing to the profitability of Islamic banking in Indonesia. Asian Journal of Innovation and Enterpreneurship, 2(3), 340-351.Afkhar, T. (2018). Influence analysis of non performing financing by profit-loss sharing financing contract to the profitability of Islamic commercial bank in Indonesia. Akrual: Jurnal Akuntansi, 10(1), 1-14. http://dx.doi.org/10.26740/jaj.v10n1.p1-14Fransisca, Z. (2014). Analysis of the effect of mudharabah and musyarakah financing on the level of profitability (Return on equity) (Study on sharia commercial banks registered in bank Indonesia for the period of 2009-2012). Jurnal Administrasi Bisnis, 1(12).Gujarati, D. (2012). Dasar-dasar ekonometrika. Jakarta: Salemba Empat.Kasmir. (2006). Manajemen perbankan. Jakarta: RajaGrafindo Persada.Kasmir. (2014). Analisa laporan keuangan. Jakarta: RajaGrafindo Persada.Monika, W. K., Anna, D., Joanna, B., & Maria, G. (2016). Working capital management and liquidity reserves: The context of risk retention. Journal of Economics and Management, 23(1), 5-20.Kuncoro, M. (2011). Metode kuantitatif: Teori dan aplikasinya untuk bisnis dan ekonomi. Yogyakarta: UPP STIM YPKN.Setiawan, U. N. A., & Indriani, A. (2016). Pengaruh dana pihak ketiga (DPK), capital adequacy ratio (CAR), dan non performing financing (NPF) terhadap profitabilitas bank syariah dengan pembiayaan sebagai variabel intervening. Diponegoro Journal of Management, 5(4), 121-131.Rahayu, Y. S., Husaini, A., & Azizah, D. F. (2016). Pengaruh pembiayaan bagi hasil mudharabah dan musyarakah terhadap profitabilitas (studi pada bank umum syariah yang terdaftar pada bursa efek Indonesia periode 2011-2014). Jurnal Administrasi Bisnis, 33(1), 61-68.Majid, M. S. A., Musnadi, S., & Putra, I. Y. (2014). A comparative analysis of the quality of islamic and conventional banks’ asset management in Indonesia. Gadjah Mada International Journal of Business, 16(2), 185-200. https://doi.org/10.22146/gamaijb.5463Widarjono. (2009). Ekonometrika Pengantar dan Aplikasinya. Yogyakarta: UPP STIM YPKN.

DETERMINANTS OF PROFITABILITY IN SHARIA COMMERCIAL BANKS IN INDONESIA: INTERNAL BANK AND MACROECONOMIC FACTORS Alin Nuhadilah; Nisful Laila
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 6 (2021): November-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20216pp797-807

ABSTRAKTujuan penelitian ini menganalisa dampak masing-masing Variabel DPK, BOPO, Asset Size dan Inflasi secara parsial, simultan terhadap Profitabilitas Bank Umum Syariah di Indonesia tahun 2015-2019. Metode yang digunakan adalah penelitian kuantitatif. Teknik analisis yang digunakan yaitu analisis regresi data panel menggunakan alat statistik Eviews-10. Hasil temuan dalam penelitian ini adalah DPK secara parsial berpengaruh positif tidak signifikan. Asset Size dan Inflasi secara parsial berpengaruh negatif tidak signifikan, BOPO berpengaruh positif dan signifikan terhadap profitabilitas Bank Umum Syariah tahun 2015-2019. Secara Simultan DPK, Asset Size, BOPO dan Inflasi berpengaruh negatif dan signifikan terhadap profitabilitas Bank Umum Syariah tahun 2015-2019. Penelitian ini berguna untuk penentuan kebijakan dan penelitian perbankan syariah di indonesia. Bagi Bank Umum Syariah diharapkan dapat lebih mendorong nasabah untuk melakukan simpanan di bank Juga diharapkan dapat menjaga efisiensi perusahaan secara rutin dan optimal serta dalam mengelola aset dengan jumlah yang besar. Jika pada tahap inflasi Bank Umum Syariah harus bisa mendorong masyarakat untuk menabung atau berinvestasi dengan produk-produk yang menguntungkan. Kata Kunci: Faktor Internal Bank, Makroekonomi, Profitabilitas, Bank Umum Syariah, Indonesia. ABSTRACTThis study aims to analyze the effect of each of the variables of TPF, OEOI, Asset Size and Inflation partially, simultaneously on the Profitability of Islamic Commercial Banks in Indonesia in 2015-2019. The method used is quantitative research. The analysis technique used is panel data regression analysis uses the Eviews-10 statistical tool. The findings in this study are partially the third party funds have a positive and insignificant effect. Asset Size and Inflation partially have a negative and insignificant effect, OEOI have a positive and significant effect on the profitability of Islamic Commercial Banks in 2015-2019. Simultaneously, Third Party Funds, Asset Size, OEOI and Inflation have a negative and significant effect on the profitability of Islamic Commercial Banks in 2015-2019. This research is useful for policy determination and research on Islamic banking in Indonesia. Sharia Commercial Banks are expected to further encourage customers to deposit at the bank. It is also hoped that they can maintain company efficiency regularly and optimally and in managing large amounts of assets. If at the inflation stage, Islamic Commercial Banks must be able to encourage people to save or invest in profitable products.Keywords: Internal Bank Factors, Macroeconomics, Profitability, Islamic Commercial Banks, Indonesia.DAFTAR PUSTAKAAlim, S. (2014). Analisis pengaruh inflasi dan BI rate terhadap Return on Assets (ROA) bank syariah di Indonesia. Jurnal Ekonomi Modernisasi, 10(3), 201–220.Aliyu, S., & Yusof, R. M. (2016). Profitability and cost efficiency of islamic banks: A panel analysis of some selected countries. International Journal of Economics and Financial Issues, 6(4), 1736–1743.Almazari, A. (2014). Impact of internal factors on bank profitability: Case study of East Africa. Journal of Applied Finance and Banking, 4(17).Anbar, A., & Alper, D. (2011). Bank specific and macroeconomic determinants of commercial bank profitability: Empirical evidence from Turkey. Business and economics research journal, 2(2), 139–152.Avrita, R. D., & Pangestuti, I. R. D. (2016). Analisis pengaruh CAR, NPL, LDR, NIM, dan BOPO terhadap profitabilitas bank (perbandingan bank umum go public dan bank umum non go public di Indonesia periode tahun 2011-2014). Diponegoro Journal of Management, 5(2), 366–378.Basyaib, F. (2007). Manajemen resiko. Jakarta: Grasindo.Bramandita, B., & Harun, H. (2020). The Impact of ROA, BOPO, FDR, CAR, NPF on Mudharabah Profit Sharing Rate. Journal of Islamic Economic Laws, 3(2), 86–107.Frianto, P. (2012). Manajemen dana dan kesehatan bank. Jakarta: Rineka Cipta.Hariyanti, D. (2019). Pengaruh makro ekonomi dan fundamental perusahaan terhadap kinerja perbankan syariah di Indonesia. Jurnal Akuntansi, Keuangan, dan Manajemen, 1(1), 1–8.Husain, A., Affandi, S., & Shukur, N. A. (2015). The internal determinants of Islamic banks’ profitability in Malaysia. Journal of Basic and Applied Scientific Research, 5(7), 17–21.Izhar, H., & Asutay, M. (2007). Estimating the profitability of islamic banking: evidence from bank muamalat Indonesia. Review of Islamic Economics, 11(2), 17-29.Kasmir. (2011). Analisis laporan keuangan. Jakarta: PT. Raja Grafindo Persada.Kuncoro, M., & Suhardjono. (2000). Manajemen perbankan teori dan aplikasi. Yogyakarta: BPFEMahmudah, N., & Harjanti, R. S. (2016). Analisis capital adequacy ratio, financing to deposit ratio, non performing financing, dan dana pihak ketiga terhadap tingkat profitabilitas bank umum syariah periode 2011-2013. 1(1), 134-143.Marilin, D., & Rohmawati. (2012). Pengaruh inflasi, suku bunga, nilai tukar valas dan jumlah uang beredar terhadap profitabilitas pada perbankan syariah di Indonesia periode 2005-2009. Jurnal Akuntansi Akrual, 3(2), 147–166.Naceur, S. Ben, & Omran, M. (2011). The effects of bank regulations, competition, and financial reforms on banks’ performance. Emerging Markets Review, 12(1), 1–20. https://doi.org/10.1016/j.ememar.2010.08.002Natsir, M. (2014). Ekonomi moneter & kebanksentralan. Bogor: Mitra Wacana Media.Notoatmodjo, S. (2010). Metodologi penelitian kesehatan. Jakarta: PT. Rineka Cipta.Parenrengi, S., & Hendratni, T. W. (2018). Pengaruh dana pihak ketiga, kecukupan modal dan penyaluran kredit terhadap profitabilitas bank. Jurnal Manajemen Strategi Dan Aplikasi Bisnis, 1(1), 9–18.Peling, I. A. A., & Sedana, I. B. P. (2018). Pengaruh LDR, NPL, dan BOPO terhadap profitabilitas pada PT. BPD Bali periode tahun 2009-2016. E-Jurnal Manajemen Universitas Udayana, 7(6).Prasanjaya, A. Y., & Ramantha, I. W. (2013). Analisis pengaruh rasio CAR, BOPO, LDR dan ukuran perusahaan terhadap profitabilitas bank yang terdaftar di BEI. E-Jurnal Akuntansi Universitas Udayana, 4(1), 230–245.Putra, R., & Ascarya. (2007). Akad dan produk bank syariah. Jakarta: RajaGrafindoSukma, Y. L. (2013). Pengaruh dana pihak ketiga, kecukupan modal dan risiko kredit terhadap profitabilitas (Perusahaan perbankan yang terdaftar di BEI). Jurnal Akuntansi, 1(2), 1-25.Tandelilin, E. (2001). Analisis investasi dan manajemen portofolio. Yogyakarta: BPFE.Vernanda, S. D., & Widyarti, E. T. (2016). Analisis pengaruh CAR, LDR, NPL, BOPO, dan SIZE terhadap ROA (Studi pada bank umum konvensional yang terdaftar di Bursa Efek Indonesia periode 2010-2015). Diponegoro Journal of Management, 5(3), 1040-1052.Wibowo, E. S., & Syaichu, M. (2013). Analisis pengaruh suku bunga, inflasi, CAR, BOPO, NPF terhadap profitabilitas bank syariah (Studi kasus pada bank mega syariah, bank muamalat dan bank syariah mandiri periode tahun 2008-2011). Diponegoro Journal of Management, 2(2), 10-19.Widarjono, A. (2020). Does the volatility of macroeconomic variables depress the profitability of Islamic banking? Jejak, 13(1), 30–42. https://doi.org/10.15294/jejak.v13i1.19460

Co-Authors - Dewikarina A.A. Ketut Agung Cahyawan W Aam Rusydiana Aam Slamet Rusydiana Aam Slamet Rusydiana Aam Slamet Rusydiana, Aam Slamet Adrianna Syariefur Rakhmat Afifatun Ni’mah Afiqoh, Luluk Al Amiri Octadianto Al Marifatul A'la Al Mustofa, Muhammad Ubaidillah Ali, M. Mahbubi Ali, Mohammad Mahbubi Alin Nuhadilah Alissa Azmul Faoziyyah Annisa Aulia Safitri Annisa Ayusaleha Ari Widodo Arwani Arwani Ascarya Ascarya Aslan, Hakan Atina Shofawati, Atina Ayu Dwi Rukmana Aziza Hanifa Khairunnisa Bani Alkausar, Bani bayram, kamola Bayu Arie Fianto Belgiawan, Prawira Fajarindra Bin Mohd Dali, Nuradli Ridzwan Shah Bunga Aprigati Iskandar Chandra Ari Haryanto Chandra Ari Haryanto, Chandra Ari Choirum Miha Chorista Fitriani Dahayu Bethari Widyandri Desi Novera Danur Desi Sulfa Ningtias Dewi Karina, Dewi Dina Fitrisia Septiarini, Dina Fitrisia Doni Kurniawan Doni Kurniawan Dwi Wulan Ramadani Eka Puspa Dewi Eko Fajar Cahyono, David Kaluge Evania Herindar Fadlilatun Ni'mah Fahamsyah, Mohammad Hatta Ferica, Michelle Filianti, Dian Fitria Nurma Sari Gianissa Pandu Islamy Gigih Prihantono Hadi, T. Saipul Hanifiyah Yuliatul Hijriah, Hanifiyah Yuliatul Herwindo Ghora Nidityo Herwindo Ghora Nidityo, Herwindo Ghora Hikmah Maulidiyah Ibrahim, Mochammad Malik Idzal Dwi Nantyah Imron Mawardi Indah Rahmawati Irham Zaki Islamy, Gianissa Pandu Ivani Ramadhanti Jannah, Shahnaz Latifatul Jayanti, Septia Dwi Kholidah, Himmatul KP Prabheesh Lia Auliah Rachmah M Nasih M. Fikri Himmawan M. Madyan Madyan, Muhammad Martien Rachmawati Martien Rachmawati, Martien Maslihatul Bisriyah Maulida, Syahdatul Mayangsari, Lidia Meidina Ana Ogie Moh. Nasih Mohammad Nafie Jauhari Muhammad Madyan, Muhammad Nadia Amalia Latifah Nia Fajriyatun Nadlifiyah Nikmatul Atiya Noven Suprayogi, Noven Nurul Huda Persada, Satria Fadil Puji Sucia Sukmaningrum Pupun Saepul Rohman Puspita Sari, Ika Putri, Diana Clarisa Alya Raditya Sukmana Ramadhanti, Ivani Rani, Lina Nugraha Reza Ashari Nasution Rolista Dwi Oktavia Rosalia Debby Endrianti Rusmita, Sylva Alif Salsabilla, Salma Nadia Setiyowati, Arin Shabbir, Malik Shahzad Shafana Putri Sambas Shahzad Shabbir, Malik Sherrindra Avedta Siti Nur Ro'ikayah Siti Zulaikah Siti Zulva Rafika Sri Herianingrum Sri Yayu Ninglasari Sudana Sudana Sulistya Rusgianto Tika Widiastuti Turmudi Ulfa, Anis Maria Vega Zahrah Narendra Duhita WAHYU SUKARTININGSIH Wijaya, Ulfia Imelda Windasari, Nila Armelia Yatoo, Nissar Ahmad Yulita Widya Afiqah

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