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PENGARUH PENERAPAN GOOD CORPORATE GOVERNANCE TERHADAP KINERJA KEUANGAN DAN RESIKO PEMBIAYAAN DI BANK UMUM SYARIAH Rizky Fadhillah
Prosiding Industrial Research Workshop and National Seminar Vol 9 (2018): Industrial Research Workshop and National Seminar
Publisher : Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (846.829 KB) | DOI: 10.35313/irwns.v9i0.1110

Abstract

Prinsip-prinsip dari Good Corporate Governance sangat penting diterapkan pada Bank Umum Syariah.Implementasi yang diharapkan dari penerapan prinsip-prinsip tersebut adalah terciptanya Bank Umum Syariahyang baik dan sehat. Penerapan Good Corporate Governance diharapkan dapat meningkatkan kinerja keuanganBank Umum Syariah. Makalah ini dibuat untuk mengevaluasi konsep dari pengelolaan Bank Umum Syariahdalam penerapan Good Corporate Governance berdasarkan regulasi yang ada terhadap kinerja keuangan danrisiko pembiayaan pada Bank Umum Syariah di Indonesia yang tercatat pada Otoritas Jasa Keuangan. Berdasaratas telaah pustaka yang ada, penulis berkesimpulan bahwa Good Corporate Governance berpengaruh positifterhadap kinerja keuangan pada Rasio profitabilitas dengan indikator Return On Asset. Selain itu GoodCorporate Governance juga berpengaruh negatif terhadap risiko pembiayaan dengan indikator tingkat NonPerforming Financing. Serta terdapat hubungan yang mempengaruhi antara tingkat Non Performing Financingdan Return On Asset.
Design of Android-Based Augmented Reality Physics Book for Grade XII of High School Chapter 9 Digital Technology Elfisa; Safwan; Rizky Fadhillah
Jurnal Inotera Vol. 8 No. 2 (2023): July - December 2023
Publisher : LPPM Politeknik Aceh Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31572/inotera.Vol8.Iss2.2023.ID259

Abstract

Many senior high school students still rely on printed books for their learning, but these books often only provide 2D images with written explanations. This made Students difficult to fully ubnderstand the 3D nature of the images, especially in subjects like physic. To address this issue, the author developed an application using Augmented Reality (AR) Technology Which focused on Chapter IX of the physics textbook, mainly on "Digital Technology". This AR application students with more interesting and interactive learning experiences by showcasing animation and 3D designs. Based on he questionnaire result, from 120 students of SMK Negeri 1 Langsa it was found that 96.17% agreed that this AR app was an effective learning tool and 3.83% disagreed. So it can be concluded that this AR application can be an alternative for students and teachers as a learning media and it easier to understand, interesting, and fun in the teaching and learning process.
How Capital Adequacy, Liquidity and Profitability Impact Financial Distress in Islamic Rural Banks in Indonesia Rizky Fadhillah; Nahdatus Syaadah; Mairijani Mairijani; Mahyuni Mahyuni
International Journal of Economics, Commerce, and Management Vol. 1 No. 4 (2024): October : International Journal of Economics, Commerce, and Management
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijecm.v1i4.232

Abstract

Competition in the banking industry is increasingly rapid at this time requiring each bank to have a stable healthy financial condition to avoid difficult financial conditions (financial distress). The purpose of this study was to determine how the influence of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Return on Equity (ROE) on the possibility of financial distress in Sharia Rural Banks registered with the Financial Services Authority in 2020-2023. The type of research used is descriptive quantitative research with the data source used is secondary data obtained from the financial statements of each Sharia Rural Bank. The results of this study found that the variables CAR, FDR, and ROE partially and simultaneously had a positive and significant effect on financial distress. The three independent variables together have an influence of 84.8% on the dependent variable, while the remaining 15.2% is influenced by other variables outside this study.
PERFORMANCE ANALYSIS OF SHARIA RURAL BANKS IN INDONESIA WITH THE ISLAMICITY PERFORMANCE INDEX METHOD Jihan Indah Pitriani; Aneta Rakhmawati; Rizky Fadhillah
Journal of Sharia Economics Vol. 6 No. 1 (2025): 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.v6i1.5981

Abstract

This study aims to evaluate the performance of Sharia Rural Banks in Indonesia using the Islamicity Performance Index method. The research method used is descriptive qualitative with quantitative secondary data. The study population includes Sharia Rural Banks in Indonesia registered with the Financial Services Authority in 2022, with 36 samples selected through purposive sampling. Data analysis used non-statistical and descriptive quantitative methods. The results show that most have a healthy performance in the Profit Sharing Ratio (PSR) indicator, with Dinar Ashri having the highest PSR. However, the Zakat Performance Index (ZPR) shows an unhealthy predicate, with Hikmah Khazanah having the highest ZPR. The Equitable Distribution Ratio (EDR) shows that most have an unhealthy predicate in qardh, while employee expenses are mostly in a healthy predicate, and net profit is still unhealthy. Halal investment and Islamic income are rated very good, with Amanah Ummah having the highest indicator. The AAOIFI Index shows most SHARIA RURAL BANKS have a good percentage of financial statement disclosures, with Bhakti Sumekar having the highest percentage. Al Masoem was identified as the best sharia performing Sharia Rural Banks based on the Islamicity Performance Index.
How is the Implementation of Governance at the National Amil Zakat Agency of Barito Kuala Regency Rizky Fadhillah; Mauizhatil Hasanah
International Journal of Economics, Commerce, and Management Vol. 2 No. 3 (2025): July : International Journal of Economics, Commerce, and Management
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijecm.v2i3.723

Abstract

This research examines the governance of the National Amil Zakat Agency of Barito Kuala Regency as an effort to optimize transparent, professional, and sharia-compliant zakat management. Although South Kalimantan has the highest zakat potential in Kalimantan Island, its zakat realization is still far from the target, reflecting the challenges of public trust and the effectiveness of the institution's governance. This study aims to evaluate the governance of Barito Kuala National Amil Zakat Agency using three main indicators: Zakat Core Principles Index, Sharia Compliance Index of Zakat Management Organization, and Financial Ratio Analysis. Using a qualitative-descriptive approach, data was collected through observation and internal document analysis. The result shows that the implementation of Zakat Core Principle scores 0.44 (good enough category), while sharia compliance scores 0.72 (good category), and financial ratio shows high efficiency and effectiveness in collecting and distributing zakat. Important findings reveal that the suboptimal documentation of Operational Procedur Standard, absence of internal audit, and high operational burden become obstacles to ideal governance. Although the management of zakat in Barito Kuala National Amil Zakat Agency has been running according to regulations and sharia principles, improvement of institutional structure, documentation, efficiency of human resources, and transparency of financial statements are needed. This research provides a practical contribution as an internal evaluation of the institution and a scientific contribution in the development of accountable and sustainable zakat management in Indonesia.