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PENGARUH RASIO DERAJAT DESENTRALISASI DAN PERTUMBUHAN PENDAPATAN ASLI DAERAH (PAD) TERHADAP PERTUMBUHAN EKONOMI KABUPATEN BENGKALIS Fakhruddin, Imam; Saputra, Billy Yanis; Firdaus, Firdaus
ANALISIS Vol. 14 No. 01 (2024): ANALISIS VOL. 14 NO. 01 TAHUN 2024
Publisher : FACULTY OF ECONOMICS AND BUSINESS FLORES UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/als.v14i01.3192

Abstract

Regional economic growth in Bengkalis Regency over the past decade has tended to move negatively, far below national economic growth. This research was conducted to determine and analyze the effect of the ratio of the degree of decentralization and the growth of PAD on the economic growth of Bengkalis Regency. The data in this study were sourced from the 2012-2021 Regional Financial and Asset Management Agency in the form of a Budget Realization Report (LRA) and Gross Regional Domestic Product of Bengkalis Regency for 2012-2021. Data were analyzed using SPSS Version 26.0 which was focused on descriptive variables and processed using multiple linear regression methods. The results showed that partially the degree of decentralization and PAD growth did not affect the economic growth of Bengkalis Regency.  
LIQUIDITY AND CREDIT RISK: A COMPARATIVE STUDY OF ISLAMIC AND CONVENTIONAL BANKS IN INDONESIA Firdaus, Firdaus; Azlina, Nur; Fakhruddin, Imam; Riyaldi, Rino; Rosman, Romzie
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 7 No 1 (2024): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v7i1.8918

Abstract

Islamic banking is only a small choice for the majority of Indonesian Muslims numbering 229.62 million people or 87.2%. In contrast, the market share of Islamic banks is only 7.07%. Global banking conditions are rocked by the case of Silicon Valley Bank, which is one of the largest banks in the world, experiencing liquidity problems. This is inseparable from the fragility of the conventional banking system based on usury as an inherent obligation. This study analyzes the liquidity and credit risk comparison of Islamic and conventional banks in Indonesia. The sample in this study is 10 Islamic banks and the 10 largest conventional banks in terms of assets in the 2018-2022 period. Independent t-test is used to answer the problems in this study. Based on the results of independent t test show that there is no difference between the liquidity of Islamic and conventional banks. Likewise, NPF / NPL shows no difference between Islamic and conventional banks.
Hubungan Risk Profile Dengan Kinerja Keuangan Bank Panin Dubai Syariah 2016-2020 Firdaus, Firdaus; Fakhruddin, Imam; Jamiah, Jamiah; Saphira, Fitri; Safhira, Sahyu; Saifullah, Saifullah
Al-bank: Journal of Islamic Banking and Finance Vol 2 No 1 (2022): January - June 2022
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v2i1.5453

Abstract

This research was conducted to examine the correlate of Risk Profile (Non Performing Financing (NPF) and Financing Deposite Ratio (FDR) to Return on Asset (ROA).This research uses quantitatif method. The population of this research is the financial report Panin Dubai Syariah bank period 2016 through 2020. Sensus sampling method were used as samples determining, whre all the population is sampled. Analysis method with correlation pearson. The result of the research is Non Performing Financing/NPF has negative correlated and significant with Return on Asset (ROA) and Financing Deposite Ratio (FDR) has negative correlated and significant with Return on Asset (ROA). The implication of this research is that the poor NPF and FDR of Panin Dubai Syariah Bank have an impact on the company's ability to generate profits. High NPF and FDR lead to a decrease in ROA. For this reason, Panin Dubai Syariah Bank needs to maintain NPF and FDR in accordance with the minimum standards set by Bank Indonesia