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All Journal Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences JER
Rudy Irwansyah
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Effect of Capital Adequacy Ratio, non Performing Financing, and Financing to Deposit Ratio on Returns for Deposit Results of Sharia Commercial Banks Rudy Irwansyah; Syahrijal Hidayat
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 3 (2021): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i3.2245

Abstract

This study aims to see the effect of CAR, NPF, and FDR on the return for the results of mudharabah deposits at Islamic Commercial Banks either simultaneously or partially. The data used in this study are the quarterly financial reports for the period March 2016 to December 2020. The method of analysis used in this study is the method of multiple linear regression analysis using the SPSS 18 program. The F test is used to test the effect of the independent variables, namely CAR, NPF, and FDR on the dependent variable, namely the return on the profit sharing of mudharabah deposits. The t test is performed to test the effect of the CAR, NPF, and FDR variables on the partial return on the return on mudharabah deposits. The significance level used is 5%. The results showed that simultaneously there was an effect between CAR, NPF, and FDR on the Return for Profit Sharing on Mudharabah Time Deposits of 0,802. While partially all 3 independent variables (CAR, NPF, and FDR) also have a significant effect on Return on Time Deposit.
The Effect of Total Third Party Fund and Number of Offices on Sharia Commercial Bank Financing Supiah Ningsih; Rudy Irwansyah
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 3 (2021): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i3.2234

Abstract

This study aims to determine whether there is a significant influence between the amount of third party funds and the number of offices on Islamic Commercial Bank financing, and how much effect between the amount of third party funds on Islamic Commercial Bank financing and between the number of offices on Islamic Commercial Bank financing. The research design used is a quantitative research design using multiple linear regression analysis techniques supported by classical assumption tests and hypothesis testing with the help of the SPSS version 19 program. The samples of this study are the amount of third party funds, number of offices, and financing of Islamic Commercial Banks from January 2018 to December 2020. The results showed that simultaneously or simultaneously the amount of third party funds and the number of offices had a significant and positive effect on Islamic Commercial Bank financing based on the F test where Fcount > Ftable (265,455 > 3,28), while the significant level was 0,000 < 0,05. Partially, the factors that significantly effect the financing of Islamic Commercial Banks are the factor of the amount of third party funds where tcount > ttable (16,821 > 2,032) and the significance is 0,000 < 0,05. While the variable number of offices has a significance of 0,114 > 0,05, and the value of t count < ttable (-1,625 < 2,032). This means that the variable number of offices does not have a significant effect on Islamic Commercial Bank financing. Variations in factors that affect the financing of Islamic Commercial Banks are explained by the independent variables, the amount of third party funds and the number of offices which together explain the effect of 94,1%. While the remaining 5,9% is explained by other variables not examined in this study.
The Role of the Creative Economy in Driving Local Economic Growth in the Digital Era Hasirah; Siti Aisyah; Nurjanna Ladjin; Rudy Irwansyah; M Alit Suryawan
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1781

Abstract

The creative economy has become a key foundation for sustainable economic development worldwide, combining culture, creativity, and technology to drive innovation and growth. In Indonesia, this sector has gained significant momentum, contributing substantially to the country's Gross Domestic Product (GDP), creating job opportunities, and enhancing cultural preservation. This study employed a library research method, a data collection approach that involved reviewing various written sources, including scientific journals, books, official reports, and online articles, all of which were relevant to the topic discussed. This method was used to gain a deep understanding of the creative economy's role in driving local economic growth in the digital era. The study found that the creative economy plays a strategic role in driving local economic growth, particularly in the digital era, which opens up various opportunities through the use of technology. Digital transformation enables creative entrepreneurs to reach broader markets, enhance competitiveness, and promote local cultural identity through products rooted in creativity and innovation. This sector's contribution to the national economy is becoming increasingly significant, particularly for MSMEs that can effectively adapt to digital platforms. However, its development still faces challenges, including limited internet access, low digital literacy, and capital constraints. Therefore, a collaborative strategy is needed between the government, the private sector, and the community through digital skills training, infrastructure improvements, and providing access to financing.
Co-Authors Hasirah Nurjanna Ladjin Siti Aisyah Supiah Ningsih Suryawan, M. Alit Syahrijal Hidayat