Lutvi Alamsyah
Universitas KH. Abdul Chalim, Mojokerto, Indonesia

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Pengaruh Literasi Keuangan, Pembiayaan Murabahah dan Mudharabah Terhadap Pengembangan Keunggulan Kompetitif Sektor UMKM di Mojokerto: Studi Kasus pada Bank Syariah Mandiri KCP Mojokerto Wilda Rifa Ardiana; Lutvi Alamsyah; Ahmad Mukhlisuddin
Journal of Islamic Banking Vol 2 No 2 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (353.967 KB)

Abstract

This study aims to determine the effect of financial literacy, murabahah and mudharabah financing on the competitive advantage of the MSME sector in Mojokerto. The research method used in this research is quantitative research methods using primary data. The sampling technique used non probability sampling, in order to obtain 62 respondents. Data analysis in this study used multiple linear regression analysis through SPSS version 20. The results of the study indicate that financial literacy has an effect on the development of competitive advantage in the MSME sector in Mojokerto. Murabahah financing has no effect on the development of a competitive advantage in the MSME sector in Mojokerto. Mudharabah financing has an effect on the development of a competitive advantage in the MSME sector in Mojokerto.
AKAD MURABAHAH AND RAHN IN FINANCING PROGRAM OF PRODUCT GOLD MODEL LICENSE IN THE BANK SHARIA OF INDONESIA Bulan Rohmadiyah; Lutvi Alamsyah
Dirosatuna: Journal of Islamic Studies Vol 5 No 1 (2022): Islamic Studies in Education and Behaviour
Publisher : Institute of Research and Community Service, Institute of Pesantren Kiyai Haji Abdul Chalim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/drstn.v5i1.3647

Abstract

Sell and buy gold in with cashless is product Installment Gold in PT. Bank Sharia of Indonesia, KCP Mojokerto. One of the most popular BSI products is the product BSI installment gold. Matter This is because the product is very profitable for people who want inv, vestment, gold ownership, and relatively stable gold prices. Because That researcher is interested in researching about Implementation contract Murabaha and Rahn installments of gold along with product suitability according to perspective DSN MUI No. 77/DSN-MUI/V/2010. The research type used is a field (field research) in PT Bank Sharia of Indonesia, KCP Mojokerto with a qualitative approach—the source of data in this study is from sources obtained through interviews and documents. From the r, results of these studies, it can be argued that the analysis results at PT Bank Sharia of Indonesia regarding the illegal buying and selling of gold cash are by the DSN-MUI Fatwa No.77/DSN-MUI/V/2010.
PENGARUH EFISIENSI, KUALITAS AKTIVA, LIKUIDITAS, SENSITIVITAS, DAN SOLVABILITAS TERHADAP ROA PADA BANK SWASTA NASIONAL NON DEVISA Lutvi Alamsyah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 1 No 2 (2019): Sharia Economic: January, 2019
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v1i2.196

Abstract

Penelitian ini bertujuan untuk menganalisis apakah LDR, APB, NPL, BOPO, AUR, PPAP, PR, IPR dan IRR memiliki pengaruh signifikan terhadap ROA pada Bank Umum Swasta Nasional. Sampel penelitian ini yaitu: PT. Bank Harda Internasional, PT. Bank Jasa Jakarta, PT. Bank Kesejahteraan Ekonomi, PT. Bank Pundi Indonesia, PT. Bank Tabungan Pensiunan Nasional, PT. Bank Yudha Bhakti dan metode pengumpulan data dalam penelitian ini adalah purposive sampling dengan data sekunder periode 2008 sampai 2010. Teknik analisis data menggunakan analisis regresi. Hasil penelitian menunjukkan bahwa LDR, memiliki pengaruh yang signifikan terhadap ROA, BOPO berpengaruh negatif signifikan terhadap ROA. AUR, PR dan IPR berpengaruh tidak signifikan terhadap ROA. IRR, APB, NPL, dan PPAP memiliki pengaruh negatif tidak signifikan terhadap ROA pada Bank Umum Swasta Nasional Non-Bank Devisa.
The Effect of Growth Level, Asset Structure, Liquidity and Profitability on Capital Structure Wanitasari; Lutvi Alamsyah; Akhmad Mukhlisuddin
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

Competition in the business world encourages financial managers to take decisions carefully, one of which decisions related to capital structure. The purpose of the study is to find out and analyze the effect of growth rates, asset structure, liquidity, and profitability on capital structure in the three banking sector companies incorporated in the Sharia Stock Index Indonesia (ISSI) for the period of 2015 to 2018. The research uses quantitative methods with secondary data obtained from the official bank's website. It uses purposive sampling technique by certain criteria namely BRI Syariah (BRIS), Bank Tabungan Pensiunan Nasional Syariah (BTPS), and Bank Panin Dubai Syariah (BPNS) for the 2015-2018 period. Analysis of the data used in this research is using multiple linear regression analysis with the help of data processing tools IBM SPSS version 20 through the classic assumption test that is normalization test, multicollinearity test, autocorrelation test, and heteroscedasticity test, with hypothesis testing T test, F test and Adjusted R2. It shows that partially the growth rate has no significant effect on capital structure, asset structure has a significant effect on capital structure, liquidity has no significant effect on capital structure, and profitability has a significant negative effect on capital structure. The results of the F test indicate that the growth rate, asset structure, liquidity and profitability have an effect on the capital structure. The amount of Adjusted R2 is 0.857. In the sense that 85.7 percent of the independent variables, while the remaining 14.3 percent of the variables are explained outside the research model.
The Effect of Growth Level, Asset Structure, Liquidity and Profitability on Capital Structure Wanitasari Wanitasari; Lutvi Alamsyah; Akhmad Mukhlisuddin
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v1i1.6

Abstract

Competition in the business world encourages financial managers to take decisions carefully, one of which decisions related to capital structure. The purpose of the study is to find out and analyze the effect of growth rates, asset structure, liquidity, and profitability on capital structure in the three banking sector companies incorporated in the Sharia Stock Index Indonesia (ISSI) for the period of 2015 to 2018. The research uses quantitative methods with secondary data obtained from the official bank's website. It uses purposive sampling technique by certain criteria namely BRI Syariah (BRIS), Bank Tabungan Pensiunan Nasional Syariah (BTPS), and Bank Panin Dubai Syariah (BPNS) for the 2015-2018 period. Analysis of the data used in this research is using multiple linear regression analysis with the help of data processing tools IBM SPSS version 20 through the classic assumption test that is normalization test, multicollinearity test, autocorrelation test, and heteroscedasticity test, with hypothesis testing T test, F test and Adjusted R2. It shows that partially the growth rate has no significant effect on capital structure, asset structure has a significant effect on capital structure, liquidity has no significant effect on capital structure, and profitability has a significant negative effect on capital structure. The results of the F test indicate that the growth rate, asset structure, liquidity and profitability have an effect on the capital structure. The amount of Adjusted R2 is 0.857. In the sense that 85.7 percent of the independent variables, while the remaining 14.3 percent of the variables are explained outside the research model.