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Journal : Business Management Research

Financial Performance: A Study of CAR and FDR Impact on ROA in Indonesian Islamic Banks Sulistyorini, Ery; Sarasmitha, Citra; June, Cindy Getah Tresna; Jauhari, Burhanuddin
Business Management Research Vol 3, No 1 (2024): January 2024
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/bismar.v3i1.13505

Abstract

This research analysis the influence of CAR and FDR on ROA in Sharia Banks during the COVID-19 Outbreak. The phenomenon behind this research is global economic uncertainty due to the pandemic which affects the stability and financial performance of banks, especially Islamic banks. There is a research gap in understanding how financial variables such as CAR and FDR affect ROA in the midst of crisis conditions. This research uses financial report data from Islamic banks in Indonesia during the pandemic period, and the analysis method uses multiple regression. The research results show that CAR and FDR have a significant influence on ROA. These findings indicate that Islamic banks need to maintain and increase CAR and manage FDR well to maintain healthy financial performance. The discussion in this research emphasizes the importance of increasing capital, optimizing financing, and strict regulatory supervision as policy steps that can be implemented. Thus, this research makes an important contribution to the Islamic finance literature and provides practical recommendations for Islamic bank management and regulators to maintain financial stability and health in times of crisis.Keywords: Capital, profitability, sharia banking, COVID-19 pandemic.
Analisis Pengaruh Dana Pihak Ketiga, Pembiayaan Mudharabah dan Musyarakah terhadap Profitabilitas Bank Syariah Adi Saputra, Septa; Ira Khumaira, Kamala; Handayani, Krisnawuri; Sulistyorini, Ery
Business Management Research Vol 1, No 2 (2022): July 2022
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/bismar.v1i2.8219

Abstract

The purpose of this study was to determine how the effectiveness of Third Party Funding (TPF), mudharabah financing, and musyarakah financing on the profitability of Islamic banks. The data collection in this study came from the annual financial statements of eight Islamic banks in Indonesia. This study uses a partial regression analysis technique (Partial Least Square/PLS) through WarpPLS 7.0 software. The results of the study indicate that TPF financing as measured by FDR (Finance Deposit Ratio) and sharia mudharabah financing has a significant positive effect on profitability. While the influence of Islamic musharaka financing has a significant negative effect on profitability.
The Role of Customer Satisfaction As A Mediator: The Relationship Between Product Quality, Service Quality, And Information Quality Towards Loyalty Dewi Wulan Noviasari; Syarif Hidayatullah; Ery Sulistyorini; Stella Alvianna; Ryan Gerry Patalo
Business Management Research Vol. 4 No. 2 (2025): July 2025
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/bismar.v4i2.16567

Abstract

The purpose of this study is to examine how product quality, service quality, and information quality affect customer loyalty, with customer satisfaction acting as an intermediary variable. This research specifically targets moisturizer products from “The Originote” through TikTok Shop. The study's population includes users of the TikTok app, though the exact number is not specified. A total of 125 respondents were sampled. A quantitative approach was employed, collecting data via surveys and interviews for primary data, alongside literature for secondary data. The analysis was conducted using multiple linear regression with two models. The findings reveal that both product quality and service quality positively and significantly influence customer satisfaction, while information quality does not have a notable effect. Additionally, product quality and customer satisfaction are shown to significantly enhance customer loyalty, whereas service quality and information quality do not. Customer satisfaction serves as a mediator that reinforces the impact of service quality and information on customer loyalty. These results underscore the significance of prioritizing product and service quality to foster customer loyalty. The implications of this research can help companies develop more effective marketing strategies, especially in utilizing the TikTok platform to boost customer satisfaction and loyalty.