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All Journal Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Nuansa: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam Jurnal Ekonomi, Bisnis dan Manajemen
Fatati Nuryana
Institut Agama Islam Negeri Madura
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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INVESTIGASI PERAN FEE BASED INCOME TERHADAP PROFITABILITAS (ROA) DI BANK SYARIAH INDONESIA (Studi Kasus Pada PT. Bank Syariah Mandiri Periode 2005-2014) Iqbal Rafiqi; Fatati Nuryana; Maftuhatul Faizah; Achmad Jufri
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 1, No 2 (2020): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1191.133 KB) | DOI: 10.28944/masyrif.v1i2.474

Abstract

The existence of fee-based income solutions and services shows Islamic banks' attempts to improve, one of which is PT. Bank Syariah Mandiri, which can generate a fee-based income of Rp. 783,649,000,000. (September 2014,) This is intrinsically tied to Islamic banks' approach to satisfy the company's goal of improving profits, and BI is more concerned with evaluating a company's profitability based on the amount of return on assets (ROA) than than return on equity (ROE) bank. At PT. Mandiri Syariah Bank, the goal of the study was to evaluate the increase of fee based income (FBI) and see if there was an influence of fee based income on the rate of return on assets. The statistical method of simple linear regression analysis is used in this research for quantitative analysis. The research data that has been collected was secondary data. The sample was collected from PT. Bank Syariah Mandiri's quarterly financial statements from 2005 to 2015, which can be accessed at www.bi.go.id. The results showed that hypothesis testing with t test and F test resulted in an independent variable, namely fee based income (FBI), having a significant effect on the level of return on assets (ROA). The t test test (Table Coefficients) obtained a t value of 4.444, - while statistical table (t table) obtained a t value of 2.032, - meaning ttable tcount (2. with t and F each having a significance value of 0.000, which is less than 0.05. Based on the results of the regression analysis, the regression equation obtained is Y = 0.714 + 0.0000008606 X, this equation states that in the absence of fee based income (FBI) the rate of return on assets (ROA) is 0.714, - and every increase of 1,000,000 rupiah fee based income (FBI) will cause an increase of 0.8606, - in the rate of return on assets (ROA). The coefficient of determination (R2) is 0.349, - (Ajusted R Square) this means that 35% of the variation in return on assets (ROA) is explained by variations in fee based income (FBI) while the remaining 65% is explained by variations in other factors such as income from Islamic bank financing.
Literasi Keuangan Mahasiswa Jurusan Ekonomi Dan Bisnis Islam IAIN Madura Berdasarkan Demografi Sebagai Dasar Penguatan Kompetensi Program Studi Fatati Nuryana
NUANSA: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam Vol. 16 No. 1 (2019)
Publisher : Research Institute and Community Engagement of IAIN MADURA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/nuansa.v16i1.2402

Abstract

Literasi keuangan merupakan salah satu kunci kesejahteraan masyarakat sebab akan memberikan pengetahuan dan pemahaman agar terhindar dari kesulitan ekonomi dan kesalahan dalam pengelolaan keuangan. Saat ini tingkat literasi keuangan masyarakat sangat rendah, khususnya literasi keuangan syariah sehingga perlu dibangun melalui perencanaan strategis dan langkah inisiatif berupa program aksi dengan melibatkan semua elemen masyarakat, khususnya stakeholders keuangan syariah dan regulator keuangan. Mahasiswa JEBIS IAIN Madura sebagai agen perubahan perlu dibekali pemahaman tentang literasi keuangan yang baik sehingga mampu memberikan edukasi literasi keuangan kepada masyarakat. Penelitian ini bertujuan untuk memberikan gambaran tentang tingkat literasi keuangan syariah mahasiswa JEBIS IAIN Madura berdasarkan demografinya sebagai dasar evaluasi terhadap penguatan kompetensi jurusan. Penelitian ini mengikuti desain kuantitatif deskriptif dengan 174 sampel dari tiga prodi di JEBIS yaitu PBS, ES dan AS secara proporsional. Pengambilan sampel dilakukan dengan teknik accidental sampling. Teknik analisis data menggunakan skor dan tabulasi silang antar variabel dan demografi responden dengan menggunakan softwere SPSS 21.(Financial literacy is one of the keys of the society’s welfare because it can give the society the knowledge and understanding that can make them avoid the economic difficulty and faults in finance management. Nowadays, the level of society’s financial literacy is very low, especially Sharia financial literacy so that it is needed to form the strategic planning and initiative steps in the form of action containing all society’s elements, moreover the Sharia’s finance stakeholder and finance regulators.  The JEBIS (Islamic Business and Economic Department) students of IAIN Madura as the agent of change need to be supported by understanding about good financial literacy so that they can educate the society about it. This study is trying to give a description about the Sharia’s financial literacy level of the students in JEBIS IAIN Madura based on its demography as the basic evaluation to strengthen the faculty’s competency.  This research uses the descriptive quantitative design with 174 samples from three departments under JEBIS faculty; they are PBS, ES and AS proportionally. The sampling is done by the accidental sampling technique. The data analysis technique uses the score and cross tabulation between the variable and demography respondents using SPSS 21 software.)
INVESTIGASI PERAN FEE BASED INCOME TERHADAP PROFITABILITAS (ROA) DI BANK SYARIAH INDONESIA (Studi Kasus Pada PT. Bank Syariah Mandiri Periode 2005-2014) Iqbal Rafiqi; Fatati Nuryana; Maftuhatul Faizah; Achmad Jufri
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 1, No 2 (2020): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v1i2.474

Abstract

The existence of fee-based income solutions and services shows Islamic banks' attempts to improve, one of which is PT. Bank Syariah Mandiri, which can generate a fee-based income of Rp. 783,649,000,000. (September 2014,) This is intrinsically tied to Islamic banks' approach to satisfy the company's goal of improving profits, and BI is more concerned with evaluating a company's profitability based on the amount of return on assets (ROA) than than return on equity (ROE) bank. At PT. Mandiri Syariah Bank, the goal of the study was to evaluate the increase of fee based income (FBI) and see if there was an influence of fee based income on the rate of return on assets. The statistical method of simple linear regression analysis is used in this research for quantitative analysis. The research data that has been collected was secondary data. The sample was collected from PT. Bank Syariah Mandiri's quarterly financial statements from 2005 to 2015, which can be accessed at www.bi.go.id. The results showed that hypothesis testing with t test and F test resulted in an independent variable, namely fee based income (FBI), having a significant effect on the level of return on assets (ROA). The t test test (Table Coefficients) obtained a t value of 4.444, - while statistical table (t table) obtained a t value of 2.032, - meaning ttable tcount (2. with t and F each having a significance value of 0.000, which is less than 0.05. Based on the results of the regression analysis, the regression equation obtained is Y = 0.714 + 0.0000008606 X, this equation states that in the absence of fee based income (FBI) the rate of return on assets (ROA) is 0.714, - and every increase of 1,000,000 rupiah fee based income (FBI) will cause an increase of 0.8606, - in the rate of return on assets (ROA). The coefficient of determination (R2) is 0.349, - (Ajusted R Square) this means that 35% of the variation in return on assets (ROA) is explained by variations in fee based income (FBI) while the remaining 65% is explained by variations in other factors such as income from Islamic bank financing.
Co-Authors Achmad Jufri Faizah, Maftuhatul Rafiqi, Iqbal