Mahmudin, Mahmudin
STIE La Tansa Mashiro, Rangkasbitung

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PENGARUH TINGKAT RISIKO PEMBIAYAAN MURABAHAH TERHADAP TINGKAT PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA PERIODE TAHUN 2010-2014 Mahmudin Mahmudin
Jurnal Studia Akuntansi dan Bisnis (The Indonesian Journal of Management & Accounting) Vol 5, No 1 (2017)
Publisher : Sekolah Tinggi Ilmu Ekonomi La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jsab.v5i1.185

Abstract

This study aims to find out how murabahah financing risk level and profitability level in sharia bank in Indonesia period 2010-2014, and to know whether there is influence of murabahah financing level to profitability level of sharia bank for period 2010-2014 period. The research method used in this research is quantitative research. Data analysis technique used is simple linear regression analysis. The results of this study indicate that (1) The result of data analysis shows that the level of murabahah sharia bank financing risk in the period of 2010-2014, has increased every year (2) The result of data analysis shows that profitability level in sharia bank in 2011-2012 experienced increase, and then decrease in year 2013-2014 (3) partially murabahah financing risk level does not have significant effect to profitability level of sharia general bank period 2010-2014 period.
PENGARUH PEMBIAYAAN MUDHARABAH TERHADAP TINGKAT RETURN ON EQUITY(ROE)PADA BANK SYARIAH YANG TERDAFTAR DI BANK INDONESIA Mahmudin Mahmudin
The Asia Pacific Journal Of Management Studies Vol 5 No 3 (2018)
Publisher : Universitas La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/.v5i3.282

Abstract

This study aims to determine whether there is an influence of Mudharabah Financing on Return On Equity (ROE) on Islamic banks registered at Bank Indonesia. In this research, the independent variable is Mudharabah financing income, while the dependent variable is Return on Equity (ROE).This type of research used in this research is a descriptive study with a quantitative approach. Data analysis techniques in this study used the Normality Test, Simple Regression Equation Test, Correlation Coefficient Test, Determination Analysis, and Significant Analysis (t test).The results of this study indicate that mudharabah financing has a significant influence on Islamic banks in Bank Indonesia for the period 2013-2017. The t test results obtained a significant value of 0.031 that the significance value is smaller than the error level of 0.05, which means that when net income falls and capital rises, mudharabah financing at Islamic banks will increase. Return On Equity (ROE) has a significant influence on Islamic banks in Bank Indonesia for the period 2013-2017. Evidenced by the regression coefficient states that each change in mudharabah financing by one unit then the Return On Equity (ROE) will increase by 0.019. Mudharabah Financing has a significant effect on Return On Equity in Islamic Banks registered with Bank Indonesia for the 2013-2017 Period
Does Micro Waqf Bank Avoid Loan Sharks Practice? Keeping on Indigent Productive Business Muhamad Fauzi; Junaedi; Mahmudin
International Economic and Finance Review Vol. 2 No. 1 (2023): INTERNATIONAL ECONOMIC AND FINANCE REVIEW (IEFR)
Publisher : Sekolah Tinggi Ekonomi dan Perbankan Islam Mr. Sjafruddin Prawiranegara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56897/iefr.v2i1.23

Abstract

The Holy Qur'an reminds Muslims to conduct lawful economic activities to get the common good. The indigent with small and micro businesses are constantly faced with financing constraints, so the presence of Islamic microfinance institutions can provide this convenience. This study analyzes the role of micro waqf banks in preventing their customers from the loan shark practice. The study uses a qualitative method with an exploratory approach to micro waqf bank customers in the province of Banten. Data collection is sourced from interviews, observations, and literature studies, while data analysis uses triangulation techniques. The results are that most of the customers of micro waqf banks had transacted with loan sharks before becoming members of micro waqf banks. Micro waqf bank aims to provide financing, guidance, and business empowerment for poor productive communities around Islamic boarding schools. They are increasing the role of micro waqf banks, namely increasing weekly halaqah, inviting and reminding not to transact with moneylenders, increasing Islamic financial literacy, helping each other among group members, and disseminating product information. The avoiding effort of loan shark practice by increasing access to sharia finance, obtaining loans through individuals or mosques without usury, selling owned goods and cohesiveness between group members or joint responsibility, Efforts to increase productive businesses, namely product innovation and marketing, increasing the number of business products and business training. The implication is that increasing micro waqf banks' roles can prevent customers from using loan sharks in business and not entering deeper indigent. Keywords: Avoiding, Indigent, Loan Shark, Micro Waqf Bank, Productive Business