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PERAN KECUKUPAN MODAL ATAS PENGARUH RISIKO PEMBIAYAAN DAN LIKUIDITAS TERHADAP PROFITABILITAS (STUDI PADA BANK UMUM SYARIAH PERIODE 2016-2018) Ryan Yushinta; Muhammad Rusdi; Lidia Desiana
AL-QARDH Vol 5, No 2 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v5i2.2151

Abstract

This study aims to analyze and determine the influence of financing and liquidity risks on profitability with capital adequacy as an intervening variable in Islamic Commercial Banks in Indonesia for the period of 2016-2018. The population in this study were 14 Islamic Commercial Banks in Indonesia in the 2016-2018 period. The technique used in sampling is purposive sampling. The sample used is the 2016-2018 quarterly report on 7 Sharia Commercial Banks. The type of data used is secondary data. Data analysis techniques in this study used SPSS 21 software, which consisted of descriptive statistical analysis, classic assumption tests, multiple regression analysis, and mediation testing using the causal step and sobel test methods. By using multiple regression analysis, the results of the study show that the financing risk (NPF) has a negative and significant effect on profitability (ROA). Liquidity (FDR) has a positive and significant effect on profitability (ROA). Capital adequacy (CAR) doesn’t affect profitability (ROA). Financing risk (NPF) has a negative and significant effect on capital adequacy (CAR). Liquidity (FDR) doesn’t affect capital adequacy (CAR). Then based on the results of the analysis using the causal step and sobel test methods, capital adequacy (CAR) mediates the effect of financing risk (NPF) and liquidity (FDR) on profitability (ROA).
Challenges Faced By Shariah Supervisory Board Members: A Case Study in One Islamic Bank Soufran Yusuf; Romli SA; Muhammad Rusdi
Al-Buhuts Vol. 19 No. 1 (2023): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v19i1.3555

Abstract

The purpose of this study was to explore the challenges faced by members of the Shariah Supervisory Board and how they overcame the challenges in carrying out their functions in Islamic banks. This research was a case study and three members of the Shariah Supervisory Board of one of the regional Islamic banks in South Sumatra were selected as research participants by using total sampling. This research was conducted qualitatively using case study. This research used semi-structured interviews as a data collection method. Then, the data were analyzed using the interactive analysis model suggested by Miles and Huberman. The interview results revealed the challenges faced by the Shariah Supervisory Board members were related to competence, independence, professionalism, integrity and technology. The results also revealed how members of the Shariah Supervisory Board overcame these challenges.
Does Extraversion, Agreeableness and Collectivism Leverage Levels for Job Involvement? Muhammad Rusdi; Heru Kurnianto Tjahjono
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 10 No 1 (2023): June
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v10i1.35537

Abstract

Job involvement is crucial to worker performance and productivity. This paper investigates the effects of extraversion and agreeableness on job involvement. We also suggest a link between collectivism and job involvement. The data were submitted by 190 registered nurses who worked at two public hospitals for additional research by employing PLS-SEM analysis. The findings show that extraversion, agreeableness, collectivism, and employee job involvement are all positively correlated. We consider the study's practical implications and conclude that personality traits can affect job involvement.
Waste Treatment Business By Bumdesa Semambu Makmur As the Practice of Islamic Teachings About Cleanliness Ardani Ardani; Maya Panorama; Muhammad Rusdi
Medina-te : Jurnal Studi Islam Vol 19 No 1 (2023): Medina-Te: Jurnal Studi Islam
Publisher : Pascasarjana Universitas Islam Negeri Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/medinate.v19i1.16849

Abstract

This research was conducted in order to empirically prove the connection between the waste treatment business run by Bumdesa Semambu Makmur Semambu Island, Indralaya District, Ogan Ilir Regency and the implementation of Islamic Economics. This research uses a qualitative method with a descriptive analysis approach. by the Ministry of Law and Human Rights of the Republic of Indonesia. The business fields that are run by Bumdesa Semambu Makmur are home industry, agriculture, serving, waste processing, rental, Village PAM, and Brokering. The main business being carried out is the processing of plastic waste which produces chopped plastic. The special benefit of the plastic waste business for the people involved in plastic waste collection activities is in the form of compensation in the form of money, for Bumdesa Semambu Makmur the benefit is the fulfillment of the raw material needs for chopped plastic which provides income for Bumdesa. The general benefit (ammah) to and from the village environment is the better level of cleanliness in residents' settlements from plastic waste, this is because residents are motivated to collect plastic waste in the hope of getting economic benefits. Keeping the environment clean is the implementation of Islamic teachings.
Anaisis Inklusi Keuangan Bagi Pelaku Umkm Di Kabupaten Ogan Komering Ulu: Studi Kasus Nasabah Bank Syariah Indonesia Cabang Baturaja Sri Merzarani; Muhammad Rusdi; Rika Lidyah
Medina-te : Jurnal Studi Islam Vol 19 No 1 (2023): Medina-Te: Jurnal Studi Islam
Publisher : Pascasarjana Universitas Islam Negeri Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/medinate.v19i1.16759

Abstract

The purpose of this study, among others, is to anayze the implementation of financia inclusion at Bank Syari`ah Indonesia (BSI) Baturaja Branch in the MSME sector through BSI Kur Micro financing for the people of Kab. OKU and To anayze the development of financial inclusion of Bank Syariah Indonesia (BSI) Baturaja branch in the MSME sector through BSI Kur Micro financing for the people of Kab. OKU. The author uses a quaitative descriptive research method, namely quaitative research, which seeks financia inclusion in Bakan Syari`ah Indonesia (BSI) Cabang Baturaja.. The technique of collecting/collecting quaitative data is basicaly tentative in terms of user anaysis is determined by the context of research. ahan dan gambaran data who was embarrassed to get. The data collection technique that the authors use in this research is preliminary (interview) in documentation. The results of this study are that Bank Syariah Indonesia has implemented maximum financia inclusion in terms of capita investment using BSI Kur Mikro financing, they have capitaized on BSI Kur Mikro financing products. According to them, this product has come back quite well and helps each other for sellers who have micro and smal businesses that require financing fasifications.
THE INFLUENCE OF ORGANIZATIONAL COMMITMENT AND ETHICS CLIMATE ON EMPLOYEE PERFORMANCE OF EL FAJR HOUSE OF EDUCATION FOUNDATION PALEMBANG Malikal Mulki Octadyla; Sayyid Muhammad Abdurrahman; Cindi Pramita; Muhammad Rusdi
Jurnal Ekonomi Vol. 12 No. 3 (2023): Jurnal Ekonomi, 2023, September
Publisher : SEAN Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The implementation of Good Corporate Governance is very important in carrying out good corporate governance, including in local tax management practices. The principles of Good Corporate Governance also act as a controller for the government to run a good government and free from corruption, collusion and nepotism. The purpose of this study is to propose a research model on the factors that influence the improvement of the quality of employee performance through the application of Good Corporate  Governance  principles.  A  review  of  the  relevant  literature indicates that independence, transparency, accountability, responsibility, and obligation are determining factors in explaining or defining Good Corporate Governance. Meanwhile, employee performance can be explained from performance planning, performance implementation, performance measurement, performance appraisal, and performance evaluation. The theoretical implication in this study is to improve the quality of pre-existing employee performance in the form of a company.
Measuring Compliance In Paying Agricultural Zakah: Case Study In Empat Lawang District, South Sumatra Edo Ariansyah; Muhammad Rusdi; Abdullah Sahroni
Jurnal I-Philanthropy Vol 4 No 1 (2024): I-PHILANTHROPY:A Research Journal On Management Of Zakat and Waqf
Publisher : Prodi Manajemen Zakat dan Wakaf Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/iphi.v4i1.22283

Abstract

This research uses a qualitative approach, the data in this research was obtained from primary data and secondary data. In collecting data using observation, interviews and documentation methods. Analysis of data obtained from interviews, field notes and other materials, arranged systematically so that it is easy to understand and explained in the form of quotations to determine the factors of farmer complance in agricultural zakat in Galang Village, Ulu Musi District, Empat Lawang Regency. The results of this research show that the factors that influence farmers' compliance in paying agricultural zakat are internal and external factors, internal factors consist of religiosity (lack of belief and obedience of farmers regarding agricultural zakat so that there is no encouragement from within farmers to pay agricultural zakat ), awareness (no self-awareness where farmers do not know about agricultural zakat), knowledge and education, and experience (farmers have no experience either from the world of work, organizations or education). Meanwhile, external factors are location (location/distance of BAZNAS which is quite far from where one lives), socialization (lack of socialization from BAZNAS institutions) and society. These three factors greatly influence the rarity or awareness of society to pay agricultural zakat