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ANALISIS PENGARUH DANA PIHAK KETIGA DAN CAPITAL ADEQUACY RATIO TERHADAP PROFITABILITAS PADA BANK SYARIAH INDONESIA PERIODE 2017 – 2021 Jannah, Khufwatul; Hasnita, Nevi; Iskandar, Evy
Jihbiz: Global Journal of Islamic Banking and Finance Vol 5, No 2 (2023)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v5i2.25428

Abstract

Penelitian ini bertujuan untuk menguji pengaruh Dana Pihak Ketiga dan Capital Adequacy Ratio terhadap profitabilitas pada Bank Syariah Indonesia (BSI) Periode 2017- 2021. Penelitian ini menggunakan pendekatan kuantitatif dari data laporan keuangan di BSI periode 2017-2021. Data diolah dengan SPSS dan dianalisis regresi linear berganda untuk menguji hipotesis penelitian. Berdasarkan hasil pengujian hipotesis dengan tingkat signifikansi 5%, maka secara parsial tidak terdapat pengaruh Dana Pihak Ketiga (DPK) terhadap profitabilitas, sedangkan Capital Adequacy Ratio (CAR) berpengaruh secara parsial dan signifikan terhadap profitabilitas pada BSI periode 2017-2021. Hasil secara simultan kedua variabel DPK dan CAR berpengaruh dan signifikan terhadap profitabilitas pada BSI periode 2017-2021.
The Maqashid Sharia Index: An Innovative Tool for Evaluating Corporate Performance in IDX-MES BUMN 17 Fitria, Ana; Desiana, Rina; Azzuhra, Alfia; Iskandar, Evy; Marwa, Inayah Putri
Kunuz: Journal of Islamic Banking and Finance Vol 4 No 2 (2024)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v4i2.1206

Abstract

Company performance is not only focused on internal profits but also considers external benefits, which can be evaluated using the Maqasid Sharia Index (MSI) method. This research focuses on companies listed on the IDX-MES BUMN 17 Sharia Index, launched on April 29, 2021. The study incorporates three key concepts: individual education (tahzib al-fard), the establishment of justice (iqamat al-adl), and the promotion of welfare (jalb al-mashlahah). A descriptive quantitative analysis was conducted by measuring performance through weighting and ranking based on performance indicators derived from the annual reports of 14 companies for the period 2021-2023. The TLKM achieved the highest MSI score with a ratio of 32.13%, while PTPP ranked last with a ratio of 17.38%. Overall, the companies listed on the IDX-MES BUMN 17 index demonstrated low performance based on the MSI, with ratios ranging from 17% to 30%, and an average ratio of 21.52% out of a total weight of 100%
Analisis Dana Wadiah Terhadap Kinerja Bank Aceh Syariah Iskandar, Evy; Isnaliana, Isnaliana; Walidain, Birrul
Jihbiz: Global Journal of Islamic Banking and Finance Vol 7, No 1 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v7i1.28622

Abstract

Profitability data analysis is important for stakeholders in assessing company performance as a consideration in making decisions. This research aims to analyze the influence of wadi'ah savings and wadiah current accounts on the profitability of PT Bank Aceh Syariah.  The data in this research comes from quarterly financial reports for 2016-2023 and was analyzed using multiple linear regression-OLS. The research results show that wadiah savings and wadiah current accounts partially and simultaneously have a good influence on the performance of Bank Aceh Syariah. These findings have implications for improving sharia financial governance and better bank services.AbstrakAnalisis data profitabilitas penting bagi pemangku kepentingan untuk menilai kinerja perusahaan sebagai pertimbangan dalam mengambil keputusan. Penelitian ini bertujuan untuk menganalisis pengaruh tabungan wadi'ah dan giro wadiah terhadap profitabilitas PT Bank Aceh Syariah.  Data dalam penelitian ini bersumber dari laporan keuangan triwulan tahun 2016-2023 dan dianalisis menggunakan regresi linier berganda-OLS. Hasil penelitian menunjukkan bahwa tabungan wadiah dan giro wadiah secara parsial dan simultan memberikan pengaruh yang baik terhadap kinerja Bank Aceh Syariah. Temuan ini berimplikasi pada peningkatan tata kelola keuangan syariah dan layanan bank yang lebih baik.
PENGARUH JUMLAH PEMBIAYAAN DAN OMZET USAHA TERHADAP TINGKAT PENGEMBALIAN PEMBIAYAAN ARRUM BPKB PADA PT. PEGADAIAN SYARIAH CPS KEUTAPANG Iskandar, Evy; Ashal, Farid Fathony; Riska, Mutia
Journal of Sharia Economics Vol. 2 No. 2 (2021): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v2i2.1415

Abstract

Jumlah pembiayaan dan omzet usaha perlu diperhatikan oleh UMKM dalam pengelolan keuangannya. Penelitian bertujuan untuk mengetahui pengaruh jumlah pembiayaan dan omzet usaha terhadap tingkat pengembalian pembiayaan Arrum BPKB pada PT.Pegadaian Syariah CPS Keutapang, Aceh Besar. Penelitian ini menggunakan data sekunder dari populasi 164 nasabah per Desember 2020, kemudian ditentukan sampelnya sebanyak 62 nasabah (slovin). Analisis data menggunakan model regresi logistik yang diolah dengan SPSS-v22. Berdasarkan uji in the Equation dan Omnibus Tests Of Model Coefficients diperoleh hasil bahwa variable Jumlah Pembiayaan dan Omset Usaha secara parsial dan simultan berpengaruh signifikan terhadap tingkat pengembalian pembiayaan nasabah Arrum tersebut.
ANALISIS PENGARUH DANA PIHAK KETIGA DAN CAPITAL ADEQUACY RATIO TERHADAP PROFITABILITAS PADA BANK SYARIAH INDONESIA PERIODE 2017 – 2021 Jannah, Khufwatul; Hasnita, Nevi; Iskandar, Evy
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 5 No. 2 (2023)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v5i2.25428

Abstract

Penelitian ini bertujuan untuk menguji pengaruh Dana Pihak Ketiga dan Capital Adequacy Ratio terhadap profitabilitas pada Bank Syariah Indonesia (BSI) Periode 2017- 2021. Penelitian ini menggunakan pendekatan kuantitatif dari data laporan keuangan di BSI periode 2017-2021. Data diolah dengan SPSS dan dianalisis regresi linear berganda untuk menguji hipotesis penelitian. Berdasarkan hasil pengujian hipotesis dengan tingkat signifikansi 5%, maka secara parsial tidak terdapat pengaruh Dana Pihak Ketiga (DPK) terhadap profitabilitas, sedangkan Capital Adequacy Ratio (CAR) berpengaruh secara parsial dan signifikan terhadap profitabilitas pada BSI periode 2017-2021. Hasil secara simultan kedua variabel DPK dan CAR berpengaruh dan signifikan terhadap profitabilitas pada BSI periode 2017-2021.
Analisis Dana Wadiah Terhadap Kinerja Bank Aceh Syariah Iskandar, Evy; Isnaliana, Isnaliana; Walidain, Birrul
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 1 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v7i1.28622

Abstract

Profitability data analysis is important for stakeholders in assessing company performance as a consideration in making decisions. This research aims to analyze the influence of wadi'ah savings and wadiah current accounts on the profitability of PT Bank Aceh Syariah.  The data in this research comes from quarterly financial reports for 2016-2023 and was analyzed using multiple linear regression-OLS. The research results show that wadiah savings and wadiah current accounts partially and simultaneously have a good influence on the performance of Bank Aceh Syariah. These findings have implications for improving sharia financial governance and better bank services.AbstrakAnalisis data profitabilitas penting bagi pemangku kepentingan untuk menilai kinerja perusahaan sebagai pertimbangan dalam mengambil keputusan. Penelitian ini bertujuan untuk menganalisis pengaruh tabungan wadi'ah dan giro wadiah terhadap profitabilitas PT Bank Aceh Syariah.  Data dalam penelitian ini bersumber dari laporan keuangan triwulan tahun 2016-2023 dan dianalisis menggunakan regresi linier berganda-OLS. Hasil penelitian menunjukkan bahwa tabungan wadiah dan giro wadiah secara parsial dan simultan memberikan pengaruh yang baik terhadap kinerja Bank Aceh Syariah. Temuan ini berimplikasi pada peningkatan tata kelola keuangan syariah dan layanan bank yang lebih baik.
Internal Audit Function and Good Corporate Governance as Determinants of Fraud Prevention in Islamic Banking: A Case Study of Bank Syariah Indonesia Banda Aceh Iskandar, Evy; Ayumiati; Farhan, Muhammad; Riza, Akmal; Jalil, Ivon
Indonesian Journal Economic Review (IJER) Vol. 5 No. 2 (2025): October
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ijer.v5i2.602

Abstract

This study examines the influence of the internal audit function and Good Corporate Governance (GCG) on fraud prevention within an Islamic banking institution. Employing a quantitative research design with multiple linear regression analysis, data were collected from employees of Bank Syariah Indonesia Banda Aceh through structured questionnaires. The findings reveal that both internal audit and GCG have a positive and statistically significant effect on fraud prevention, both partially and simultaneously. Among the two variables, GCG demonstrates a more dominant contribution in strengthening fraud prevention mechanisms. These results indicate that effective governance structures, supported by risk-based internal audit practices, enhance the bank’s fraud risk management system. This study contributes to the growing body of literature on fraud prevention, particularly within the context of Islamic banking institutions.
Pengaruh Pandemi Covid-19 Terhadap Minat Penggunaan Mobile Banking Pada Nasabah BNI Syariah Cabang Banda Aceh Iskandar, Evy; Ahmadsyah, Israk; Rahayu, Cindy
Scientific Journal of Students Islamic Economics and Business Vol. 2 No. 1 (2021): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jimebis.v2i1.199

Abstract

Mobile banking is a service that provided by banks to make it’s customers easily in transaction at anywhere and anytime. Mobile banking is useful for bank’s customers in carrying out government policies of stay at home and physical distancing to break the chain of virus spread during the COVID-19 pandemic. This study aims to determine the effect of Stay at home and Physical distancing on interest in using mobile banking (Y). during the Covid-19 pandemic. The quantitative method was carried out using multiple linear regression analysis which was processed from 90 respondents from BNI Syariah Banda Aceh customers. The results show that partially and simultaneously stay at home, and physical distancing have a significant positive effect on interest in using mobile banking during the covid-19 pandemic
Analysis Of Farmers' Perceptions Of The Need For Agricultural Financing Products At Islamic Banks (Study on The Community of Serba Jadi Subdistrict, East Aceh Regency) Iskandar, Evy; Ayumiati, Ayumiati; Effendi, Kasri; Jalil, Ivon
Scientific Journal of Students Islamic Economics and Business Vol. 6 No. 1 (2025): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/hpdz9634

Abstract

Financing agricultural products in Serba Jadi District is a need for pre- and post-harvest farmers in increasing product excellence. The existence of Islamic banks which are far away and difficult to access has not made a significant contribution in increasing financial inclusion. This study aims to identify the level of farmers' perception of agricultural financing needs. Quantitative approach with associative research type and probability sampling technique with cluster random sampling type of 94 farmers in 18 villages in Serba Jadi District, East Aceh Regency. The results of simple linear regression data analysis prove that the level of farmer perception has no effect on agricultural financing needs.