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All Journal El Dinar JURNAL EKONOMI AKUNTANSI DAN MANAJEMEN I-Finance Journal Jurnal Dinamika Ekonomi dan Bisnis EKONOMIS : Journal of Economics and Business Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Idaarah: Jurnal Manajemen Pendidikan Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Maliki Islamic Economics Journal Mangente: Jurnal Pengabdian kepada Masyarakat Engagement: Jurnal Pengabdian Kepada Masyarakat Jurnal Ekonomi, Bisnis & Entrepreneurship (e-Journal)
Titis Miranti
Program Studi Perbankan Syariah, UIN Maulana Malik Ibrahim Malang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Journal : I-Finance Journal

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The Efficiency of Islamic Rural Banks (BPRS) in South Sulawesi Nur Khatimah; Titis Miranti
I-Finance Journal Vol 8 No 1 (2022): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v8i1.12387

Abstract

This study aims to determine the efficiency level of Islamic Rural Banks (BPRS) in South Sulawesi and determine what influences it. The study population is the BPRS in South Sulawesi registered with the Financial Services Authority (OJK). The study sample used the purposive sampling method and obtained 7 BPRS in South Sulawesi. The data source comes from the quarterly financial reports of the BPRS. The analysis technique is two stages – data envelopment analysis (DEA). The results of the first stage, using DEA, found that the average efficiency of the BPRS Indo Timur, Dana Moneter, Surya Sejati, Investama Mega Bakti and Harta Insan Karimah Makassar was 1, Niaga Madani was 0.829, while Gowata was 0.993. The second stage, using Tobit regression, found that fixed assets, operating costs, and operating income showed significant results in the alpha value. Meanwhile, total savings, profit-sharing financing, and productive assets showed no significant results on the alpha value. The first stage concludes that the BPRS in South Sulawesi is not included in the efficient level. In the second stage, the variables of fixed assets, operating costs, and operating income partially affect the efficiency value of the BPRS.
THE SHARIA BANK STABILITY: HOW FINTECH AND FINANCIAL RATIO FIXED IT? Ailsa Nabila Az Zahra; Titis Miranti
I-Finance Journal Vol 9 No 1 (2023): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v9i1.17023

Abstract

This study aims to see whether the stability of Islamic banks is sufficiently dependent on financial technology and several financial ratios. The research was conducted at Islamic banks in Indonesia and Malaysia. To get the research sample used, a purposive sampling technique. The research sample consisted of 14 Islamic banks and was observed from 2017 to 2021. The analytical method uses panel data regression. The research results show. Capital Adequacy Ratio, Non-Performing financing (NPF), Equity-to-Assets Ratio (EAR) and firm size significantly affect bank stability, while financial technology, Assets Turnover, and Cost to Income Ratio (CIR) have no significant effect. Bank stability is one of the determinants of the goodness of state finances, so it needs to be a concern. Banks can increase capital values and firm size, then maintain NPF and EAR values to keep bank financial stability. Even though several other factors are not significant, banks still need to maintain the stability of their value so that the impact does not get worse.
Co-Authors Ailsa Nabila Az Zahra Amanda Ilmi Yuniarsi Asikin Arini Mar'ah Sholikah Barianto Nurasri Sudarmawan Faidatul Amalina Laila M. Pimada Luluk Ul Mukharramah M Rijali Ilmi Muhammad Saiful Kalam Nanda Afiq Mukhdlor Nihayatu Aslamatis Solekah Nur Avni Aulia Nur Khatimah Panji Anugrah Sampurna Rahma Nurlaili Salsabiila Salsabiila Setiani Ulfi Kartika Oktaviana Yulia Widayati