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All Journal J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Jurnal Ilmiah Mahasiswa
Nurjanah
IAIN Langsa
Economics, Econometrics & Finance Social Sciences Other

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Analisis Keputusan Nasabah Menggunakan Layanan E-Banking Pada Bank Syariah Indonesia Di Kota Langsa Muhammad Dayyan; Nurjanah; Uci Dinda Ayu Bestari
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 7, No 1 (2022)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v7i1.4058

Abstract

This research aims to analyze e-banking services at Bank Syariah Indonesia, factors that affect customers using e-banking, and the obstacles faced by customers using e-banking. The method used is qualitative descriptive, with 13 respondents. The results showed that Digital services at Bank Syariah Indonesia there are 20 services, where often used by Bank Syariah Indonesia customers are ATMs and mobile banking. Then the factors that affect customers using e-banking are quality, individual factors, social factors, and promotions, while the obstacles experienced by customers are the customer's ability about the use of technology and networks that must be appropriate for the provider.
Profitabilitas Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia Nurul Rizki; Abdul Hamid; Nurjanah
JIM: Jurnal Ilmiah Mahasiswa Vol 5, No 2 (2023): Oktober 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v5i2.6829

Abstract

This study aims to see the effect of the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) on the profitability of BPRS in Indonesia. The research method used is a quantitative approach. The population of this research s all BPRS registered with the Financial Services Authority. By using purposive sampling there are as many as 6 BPRS used as samples in this study. The data analysis technique used in this study is panel data regression with the help of the Eviews 10 program. The result obtained indicate that partially the Capital Adequacy Ratio (CAR) has a negative and significant effect on profitability with a probability value of 0,0060 < 0,05. Non Performing Financing (NPF) has a positive and significant effect on profitability with a probability value of 0,0381 < 0,05. While the Financing to Deposit Ratio (FDR) has a positive and insignificant effect on profitability with a probability value of 0,7093 > 0,05. Simultaneously the independent variabel has a significant effect on the dependent variable with a significant value of 0,000000 < 0,05. This means that the Captal Adequacy Ratio (CAR), Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) simultaneously (together) have a significant effect on the profitability of BPRS in Indonesia.
Co-Authors Abdul Hamid Muhammad Dayyan Nurul Rizki Uci Dinda Ayu Bestari