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All Journal ProBank: Jurnal Ekonomi dan Perbankan EKSPANSI International Journal of Applied Business Research Sarwahita : Jurnal Pengabdian Kepada Masyarakat Jurnal Difusi Indonesian Journal of Economics and Management Industrial Research Workshop and National Seminar Journal of Applied Islamic Economics and Finance Jurnal Maps (Manajemen Perbankan Syariah)

Radia Purbayati

Assistant Professor, Department Of Accounting, Politeknik Negeri Bandung, Indonesia

Author-ID : 3553771

Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Mechanical Engineering Social Sciences Other

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Pengaruh Penilaian Tingkat Kesehatan Bank Terhadap Praktik Manajemen Laba Pada Bank Umum Syariah di Indonesia Salma Cantya Paramastri; Radia Purbayati; Dimas Sumitra Danisworo
Journal of Applied Islamic Economics and Finance Vol 1 No 2 (2021): Journal of Applied Islamic Economics and Finance (February 2021)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Earnings management is carried out to show that the company is in good condition even though in reality it is not good. These practices are not in accordance with sharia principles. This study aims to determine the effect of the Bank Soundness Level Assessment using the RGEC method on earnings management practices in Islamic Commercial Banks in Indonesia for the 2015-2018 period. The variables used are the Financing to Deposit Ratio (FDR), Return On Assets (ROA), Good Corporate Governance (GCG), and Capital Adequacy Ratio (CAR). Testing the variables using the Path Analysis method with a sample of 9 Islamic Commercial Banks in Indonesia. The results showed that the FDR and CAR variables had a negative and significant effect; ROA has a positive and insignificant effect; and GCG has a negative and insignificant effect on earnings management practices at Islamic Commercial Banks in Indonesia.

Analisis Fakor Internal dan Eksternal yang Memengaruhi Financial Distress Bank Umum Syariah Periode 2014-2018 Dhiwi Rasa Wulan Pamungkas; Fatmi Hadiani; Radia Purbayati
Journal of Applied Islamic Economics and Finance Vol 1 No 2 (2021): Journal of Applied Islamic Economics and Finance (February 2021)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

The purpose of this study is to determine the influence of Non Performing Finance (NPF), Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Inflation, and Gross Domestic Product (GDP) on Financial Distress as measured by Grover method (G-Score). The sample of this study used a purposive sampling method and obtained 12 Islamic Commercial Banks in Indonesia to be analyzed. The data in this study were sourced from annual report Islamic Banks and reports on inflation and Gross Domestic Product (GDP). This research will be analyzed by a logistic regression model that will be tested using the EViews version 10 SV software. The results of this study indicate that there are four Islamic Commercial Banks in Indonesia that experienced financial distress during the 2014-2018 period. Partially, NPF and inflation have a significant effect on financial distress, while FDR, CAR, and GDP have no significant effect on financial distress.

Pengaruh Produk Domestik Bruto, Tingkat Suku Bunga Tabungan Bank Konvensional dan Nisbah Bagi Hasil Terhadap Jumlah Tabungan Mudharabah Ghina Fauziyyah Umami; Fatmi Hadiani; Radia Purbayati
Journal of Applied Islamic Economics and Finance Vol 1 No 3 (2021): Journal of Applied Islamic Economics and Finance (June 2021)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

This study aims to utilize the potential funding sources through mudharabah savings by analyzing several factors that are thought to affect the amount of mudharabah savings. The research method used in this study is a quantitative approach by using multiple linear regression analysis as an analysis method and SPSS 25.0 as analysis tool. The resultsnof the researchnare variablesnof Gross Domestic Product (PDB) and Savings Interest Rate of Conventional Banks (SBT) have significant effect on the amount of mudharabah savings. Partially, PDB has positive effect while SBT has negative effect. On the other side, variable of Profit Sharing Ratio (NBH) has no significant effect on the amount of mudharabah savings. All of three independent variables simultaneously affected the amount of mudharabah savings in BSM.

Pengaruh ROA, CR, DER, dan Operating Leverage Terhadap Return Saham Perbankan Syariah Sulthan Naufal Zaidane; Radia Purbayati; Fatmi Hadiani
Journal of Applied Islamic Economics and Finance Vol 2 No 1 (2021): Journal of Applied Islamic Economics and Finance (October 2021)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

This study aims to determine the effect of company performance factors, including Return Of Assets (ROA), Current Ratio (CR), Debt to Equity Ratio (DER) and Operating Leverage on stock returns with a case study of PT. Panin Dubai Syariah, Tbk in the period 2018-2020. This research is a quantitative research with a descriptive approach and sourced from the official website of the company PT. Panin Dubai Syariah, Tbk. The data analysis technique used is multiple linear regression and the data analysis application used is SPSS v24. The results showed that DER partially affected the stock return of PT. Panin Dubai Syariah, Tbk, while the ROA, CR, and Operating Leverage variables have no significant effect on the stock return of PT. Panin Dubai Syariah, Tbk. Simultaneously DER, ROA CR and Operating Leverage have a significant impact on stock returns, where the performance factor of liability to equity fundamentals (DER) is the most dominant factor on stock returns at PT. Panin Dubai Syariah, Tbk.

Analisis Pengaruh CAR, NPF, DAR, DPK terhadap Pembiayaan Sektor Konstruksi pada Perbankan Syariah di Indonesia Rr Dwi Waskita Ningsih; Radia Purbayati; Leni Nur Pratiwi
Journal of Applied Islamic Economics and Finance Vol 2 No 1 (2021): Journal of Applied Islamic Economics and Finance (October 2021)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

This research aims to determine the effect of Islamic banking internal factors include Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Debt to Asset Ratio (DAR) and Third Party Funds (DPK) on the amount of financing disbursed to the construction sector in Islamic banking in Indonesia. 2015-2019. The research method used in this research is descriptive research with a quantitative approach using multiple linear regression analysis techniques. The data used are secondary data obtained from the Annual Financial Statements of Islamic Banking that are published by Otoritas Jasa Keuangan (OJK). The results of this research indicate that simultaneously the variables CAR, NPF, DAR and DPK have a significant effect on the financing of the construction sector. While partially, only NPF and DPK variables have a positive and significant effect on Construction Sector Financing.

Analisis Efisiensi Pengelolaan Zakat dengan Metode Super Efisiensi Data Envelopment Analysis (DEA) pada LAZ Mizan Amanah Nadhifah Salsabila Firdaus; Radia Purbayati; Iwan Setiawan
Journal of Applied Islamic Economics and Finance Vol 2 No 2 (2022): Journal of Applied Islamic Economics and Finance (February 2022)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Zakat Organizations have important roles in creating the goals of Zakat Management as stated in Law No. 23 of year 2011, namely to increase the effectiveness and efficiency zakat management for improving social welfare and poverty alleviation. The goal of this research is to analyze the efficiency of zakat management in LAZ Mizan Amanah 2012-2019 period. The research uses descriptive quantitative and qualitative methods with a case study approach. Meanwhile, the analysis technique used is Super Efficiency Data Envelopment Analysis (DEA). The input variables used are personnel costs, socialization costs, and operational costs. Whereas the output variables are the amount of zakat received and the amount of zakat distribution. The results showed that 5 (five) of the 8 (eight) DMU observed were efficient. The first rank with the highest efficiency value was obtained by DMU Mizan 2015. The inefficiency that occurs in DMU is caused by high personnel costs and operational costs, as well as the nonoptimal zakat’s accumulation and distribution.

Pengaruh Dana Pihak Ketiga, Non Perfoming Financing, dan Inflasi terhadap Pembiayaan Mudharabah pada Bank Umum Syariah Dita Puspita; Benny Barnas; Radia Purbayati
Journal of Applied Islamic Economics and Finance Vol 2 No 3 (2022): Journal of Applied Islamic Economics and Finance (June 2022)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

This study aims to determine the effect of Third Party Funds (TPF) (X1), Non Performing Financing (NPF) (X2), and Inflation (X3) on Mudharabah Financing (Y) at Islamic Commercial Banks in Indonesia. This study uses secondary data for the 2016-2020 period which is sourced from the official website of the Financial Services Authority and the Indonesian Central Statistics Agency. The analysis used is multiple linear regression analysis with quantitative methods. Simultaneously Third Party Funds (DPK), Non Performing Financing (NPF) and inflation simultaneously affect mudharabah financing. Partially, Third Party Funds (TPF) have a significant negative effect on mudharabah financing, Non-Performing Financing (NPF) has a significant positive effect on mudharabah financing, and inflation has no effect on mudharabah financing.

Analisis Pengaruh NPF dan FDR terhadap Profitabilitas dengan CAR Sebagai Variabel Intervening Raihani Fauziah; Muhamad Umar Mai; Radia Purbayati
Journal of Applied Islamic Economics and Finance Vol 2 No 3 (2022): Journal of Applied Islamic Economics and Finance (June 2022)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

The background of this research is due to unstable fluctuations in ROA, which shows that Islamic banks have not been able to maintain their stability, so research on profitability is needed. This study aims to determine the effect of NPF, FDR, on profitability with CAR as the Intervening variable for the case study of Islamic Commercial Banks for the period 2011-2020. The data collection method is by accessing data on financial ratios of each bank through the OJK website with purposive sampling as the sample used. The research method is quantitative research and uses WarpPLS 8.0 software. The findings of this study are to contribute to BUS regarding the factors that affect the profitability of Islamic Commercial Banks. From this study, it was found that the NPF and FDR variables had a significant negative effect on profitability, while the CAR had a significant positive effect. The NPF variable has a significant negative effect on CAR and the FDR variable has a significant positive effect. Based on the results of the path analysis test, CAR is able to mediate the effect of NPF on profitability, while for FDR, CAR is not able to mediate the relationship of FDR to profitability.

Analisis Pengaruh Faktor Internal dan Faktor Eksternal Terhadap Pertumbuhan Dana Pihak Ketiga Bank Umum Syariah di Indonesia Nesya Bilqish Firmansyah; Radia Purbayati; Hasbi Assidiki Mauluddi; Intan Nurrachmi
Journal of Applied Islamic Economics and Finance Vol 3 No 1 (2022): Journal of Applied Islamic Economics and Finance (October 2022)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v3i1.3794

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi pertumbuhan Dana Pihak Ketiga (DPK) Bank Umum Syariah (BUS) di Indonesia tahun 2016-2020. Data yang digunakan meliputi Bagi Hasil, Financing to Deposit Ratio (FDR), BI Rate, Inflasi dan Dana Pihak Ketiga (DPK). Penelitian ini menggunakan pendekatan metode regresi berganda untuk melihat pengaruh dari variabel independen terhadap variabel dependen. Jenis data yang digunakan dalam penelitian ini adalah data sekunder secara time series yang bersumber dari Bank Indonesia, Otoritas Jasa Keuangan, dan Badan Pusat Statistik dengan data bulanan dari periode waktu bulan Januari 2016 sampai dengan Desember 2020. Hasil penelitian ini menunjukkan bahwa faktor yang berpengaruh signifikan terhadap pertumbuhan DPK ialah faktor internal yaitu bagi hasil dan FDR, sedangkan faktor eksternal tidak berpengaruh terhadap pertumbuhan DPK BUS. Selain itu, faktor internal dan eksternal secara bersama-sama menunjukkan pengaruh signifikan terhadap pertumbuhan DPK.

Analisis Pengaruh Mekanisme Internal Good Corporate Governance Terhadap Profitabilitas Perusahaan Rekha Dwi Anggraeni; Benny Barnas; Radia Purbayati
Journal of Applied Islamic Economics and Finance Vol 3 No 1 (2022): Journal of Applied Islamic Economics and Finance (October 2022)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v3i1.3862

This study aims to determine the effect of the Internal Good Corporate Governance Mechanism proxied by the Board of Directors, Board of Commissioners, Independent Commissioner, and Audit Committee on Profitability as measured by ROA and ROE. The data used is secondary data obtained from 14 Annual Reports of companies that are members of the infrastructure, utilities, and transportation sectors registered at ISSI for the period 2016–2020.The research method used is quantitative research with panel data regression analysis. The results of this study indicate that the Board of Directors, Board of Commissioners, Independent Commissioner, and the Audit Committee simultaneously have no effect on ROA and ROE. Meanwhile, the partial test results show that on the dependent variable of ROA, only the Independent Commissioner has a positive and significant influence on ROA. Meanwhile, for the dependent variable ROE, there is no independent variable that has an effect on ROE.

Co-Authors Abdul Azid Andi Farhan Antis I’niswatin Barnas, Benny Dadang Hermawan Dadang Hermawan Darya Setia Nugraha Destian Arshad Destian Arshad Destri Alpiani Dhiwi Rasa Wulan Pamungkas Diharpi Herli Setyowati Dimas Sumitra Danisworo Dita Puspita Djoni Djatnika Endang Hatma Juniwati Ermi Nilam Sari Evi Fujilestari Febrin Ayu Salsabila Fitri Diani Ghina Fauziyyah Umami Hadiani, Fatmi Hasbi Assidiki Hasbi Assidiki Hasbi Assidiki Mauluddi Intan Nurrachmi Iwan Setiawan Kinanti Nur' Anisa Leni Nur Pratiwi Leni Nur Pratiwi Marsya Salsabila Gartiwa Mochamad Umar Mai Muhammad Muflih Nadhifah Salsabila Firdaus Nesya Bilqish Firmansyah Nisa Aulia Asriyana Pakpahan, Rosma R. Sapto Hendri Boedi Soesatyo Rachmi Amelia Raihani Fauziah Rasyid Hardayansyah Ratih Sulistia Rekha Dwi Anggraeni Resti Fadhilah Nurrohmah Rezky Apriyanthi Rr Dwi Waskita Ningsih Ruhadi Ruhadi Sabila Nur Al-fadzar Salma Cantya Paramastri Setiawan Setiawan Siti Aisah Sulthan Naufal Zaidane Syania Nur Azizah Syarief, Mochamad Edman Tjetjep Djuwarsa Tjetjep Djuwarsa Tripuspitorini, Fifi Afiyanti

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