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All Journal Jurnal Informatika Ekonomi Bisnis Al-bank: Journal of Islamic Banking and Finance Jurnal Manajemen dan Profesional EKONOMIKA SYARIAH : Journal of Economic Studies Maqdis: Jurnal Kajian Ekonomi Islam Al-bank: Journal of Islamic Banking and Finance
RAHMAT KURNIA
Universitas Islam Negeri Imam Bonjol Padang
Religion Economics, Econometrics & Finance Social Sciences

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ANALISIS EFISIENSI PENGGUNAAN ANGGARAN PADA FAKULTAS EKONOMI DAN BISNIS ISLAM UIN IMAM BONJOL PADANG EFRIANDI EFRIANDI; RAHMAT KURNIA; ROMY YUNIKA PUTRA; ALFI SYUKRIA
Maqdis: Jurnal Kajian Ekonomi Islam Vol 7, No 2 (2022): Juli - Desember 2022
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (240.019 KB) | DOI: 10.15548/maqdis.v7i2.281

Abstract

PENGELOMPOKAN PROVINSI DI INDONESIA BERDASARKAN DATA PENGANGGURAN MENGGUNAKAN AGGLOMERATIVE HIERARCHICAL CLUSTERING AVERAGE LINKAGE ALGORITHM ROMY YUNIKA PUTRA; RAHMAT KURNIA; ALFI SYUKRIA
Maqdis: Jurnal Kajian Ekonomi Islam Vol 7, No 2 (2022): Juli - Desember 2022
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/maqdis.v7i2.242

Abstract

AKSELERASI TRANSFORMASI DIGITAL PT BPR ANDALAS BARUH BUKIT : PELUANG, TANTANGAN DAN STRATEGI Faznil Husna S. Rasyad; Rahmat Kurnia; Yulia Febriani; Romy Yunika Putra
Maqdis: Jurnal Kajian Ekonomi Islam Vol 7, No 2 (2022): Juli - Desember 2022
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (242.241 KB) | DOI: 10.15548/maqdis.v7i2.270

Abstract

Implementasi Analisis SWOT dalam Strategi Pemasaran Pembiayaan Murabahah Plus Pada Bank Nagari Syariah Rahmat Kurnia
Al-bank: Journal of Islamic Banking and Finance Vol 2, No 2 (2022): July - Desember 2022
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v2i2.6631

Abstract

This study aims to determine the implementation of SWOT analysis in the marketing strategy of murabahah plus financing at Bank Nagari Syariah Branch Batusangkar. This research is a qualitative descriptive approach. Data collection techniques were carried out through structured interviews. The data analysis technique uses data reduction, data presentation and conclusion drawing. The results showed that the marketing strategy carried out by Bank Nagari Syariah Branch Batusangkar using 4P as for the murabahah plus financing product, it is the flagship product at the Nagari Syariah Bank Batusangkar Branch, while the price for murabahah plus financing is that the margin is relatively competitive by following market prices. Furthermore, for the place that the bank is in a strategic location, while for the promotion the bank promotes murabahah plus products with advertising, sales, publicity, and direct sales
Analisis Aktivitas dan Rentabilitas terhadap Efektifitas Kinerja Keuangan Rahmat Kurnia; Febi Rahmat; Riandy Mardhika Adif
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 1 (March 2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v5i1.210

Abstract

This study aims to determine the effectiveness of the company's financial performance PT. Light Metal Industry Alumindo Tbk. The problem in this research is the net profit of PT. Alumindo Light Metal Industry Tbk has suffered losses in a row, namely in 2019-2021. The purpose of this research is to analyze PT. Alumindo Light Metal Industry Tbk as seen from the activity ratio and profitability ratio. This type of research is field research, with the research method used is descriptive quantitative. This research was conducted at PT. Alumindo Light Metal Industry Tbk accessed through the official website of the Indonesian stock exchange, namely www.idx.co.id. The data collection technique in this study is a documentation technique in the form of financial reports. Research conducted at PT. Alumindo Light Metal Industry Tbk, which the author accesses through the official website of the Indonesia Stock Exchange, namely www.idx.co.id. The data collection technique in this study is a collection technique in the form of financial statements of PT. Light Metal Industry Alumindo Tbk. PT. Light Metal Industry Alumindo Tbk. The results showed that the financial performance of PT. Alumindo Light Metal Industry Tbk for the last five years starting in 2018-2022 when viewed from the activity ratio it shows financial performance that has not been effective. Meanwhile, when viewed from the profitability ratios, the company's performance is in a bad condition.
PENGARUH INDIKATOR NILAI-NILAI ISLAM TERHADAP KEPUASAN NASABAH PADA BAITUL MAAL WA TAMWIL Rahmat Kurnia; Elda Andriani
Jurnal Manajemen dan Profesional Vol 4 No 1 (2023): Jurnal JPro
Publisher : Program Studi Manajemen Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpro.v4i1.1701

Abstract

Penelitian ini bertujuan untuk untuk menjelaskan dan menganalisis pengaruh indikator nilai-nilai Islam (al-hurriyah, al-musawah, al-‘adalah, as-shidq, ar-ridho dan al-kitabah) terhadap kepuasan nasabah pada Baitul Maal Wa Tamwil (BMT) di Kabupaten Tanah Datar. Penelitian ini menggunakan pendekatan kuantitatif dengan menggunakan survey kuisioner (angket) sebagai teknik pengumpulan data yang dilakukan dengan cara memberikan seperangkat pertanyaan atau pernyataan tertulis kepada responden untuk dijawab. Skala yang digunakan adalah skala likert. Populasi dari penelitian ini adalah nasabah pada PT. LKMS BMT Almabruk Batusangkar dan KJKS BMT Al Makmur Cubadak di Kabupaten Tanah Datar pada tahun 2020. Teknik pengambilan sampel menggunakan non probability sampling dengan teknik sampel yang penulis gunakan yaitu sampling insidental. Sebanyak 98 kuisioner telah disebar dan data yang diperoleh dianalisa dengan menggunakan SmartPLS (Partial Least Square). Berdasarkan hasil analisa PLS, tidak seluruhnya indikator nilai-nilai Islam berpengaruh terhadap kepuasan nasabah pada Baitul Maal Wa Tamwil (BMT). Terdapat empat (4) indikator yang tidak berpengaruh yaitu hurriyah, musawah, ‘adalah dan shidq dan hanya ada dua (2) yang berpengaruh yaitu ridho dan kitabah.
Implementasi Analisis SWOT dalam Strategi Pemasaran Pembiayaan Murabahah Plus Pada Bank Nagari Syariah Rahmat Kurnia
Al-bank: Journal of Islamic Banking and Finance Vol 2, No 2 (2022): July - Desember 2022
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v2i2.6631

Abstract

This study aims to determine the implementation of SWOT analysis in the marketing strategy of murabahah plus financing at Bank Nagari Syariah Branch Batusangkar. This research is a qualitative descriptive approach. Data collection techniques were carried out through structured interviews. The data analysis technique uses data reduction, data presentation and conclusion drawing. The results showed that the marketing strategy carried out by Bank Nagari Syariah Branch Batusangkar using 4P as for the murabahah plus financing product, it is the flagship product at the Nagari Syariah Bank Batusangkar Branch, while the price for murabahah plus financing is that the margin is relatively competitive by following market prices. Furthermore, for the place that the bank is in a strategic location, while for the promotion the bank promotes murabahah plus products with advertising, sales, publicity, and direct sales
Financial Stability of Indonesia’s Islamic Banks: Analysis Profitability Rahmat Kurnia; Hilmy Baroroh; Riska Fauziah Hayati; Haura Hazimah Melzatia; Rakotoarisoa Maminirina Fenitra
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8082

Abstract

The study explores the financial well-being of Islamic banks in Indonesia, focusing on profitability as reflected in the Return on Assets (ROA) ratio. This article brings attention to the issue of certain Sharia Commercial Banks in Indonesia exhibiting poor financial conditions, as indicated by low ROA figures. The primary aim of the research is to evaluate the impact of Good Corporate Governance (GCG), Non-Performing Financing (NPF), and the ratio of Operational Costs to Operational Income (BOPO) on the financial sustainability of these banks. This research adopts a quantitative approach, utilizing secondary data sourced from financial and Good Corporate Governance reports spanning the years 2018 to 2022. The analysis is conducted using panel data regression with the aid of EViews 12 software. The study covers 11 Sharia Commercial Banks in Indonesia over a five-year period, resulting in a sample of 55 observations obtained through purposive sampling. The findings indicate that Good Corporate Governance and Non-Performing Financing significantly influence the Return on Assets, underscoring the critical role these factors play in maintaining financial stability. In contrast, the BOPO ratio does not exert a significant effect on ROA. Furthermore, the results of the simultaneous regression analysis confirm that GCG, NPF, and BOPO collectively have a meaningful impact on the financial performance of Islamic banks, as measured by ROA. Penelitian ini mengeksplorasi kesehatan finansial bank syariah di Indonesia, dengan penekanan pada profitabilitas yang diukur melalui rasio Return on Assets (ROA). Artikel ini menyoroti permasalahan beberapa Bank Umum Syariah di Indonesia yang menunjukkan kondisi keuangan yang kurang baik, yang tercermin dalam rendahnya angka Return on Assets (ROA). Penelitian ini bertujuan untuk menilai pengaruh Good Corporate Governance (GCG), Non-Performing Financing (NPF), dan rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap keberlanjutan keuangan bank-bank ini. Pendekatan penelitian ini bersifat kuantitatif, dengan menggunakan data sekunder yang diperoleh dari laporan keuangan dan laporan Good Corporate Governance dalam rentang waktu 2018 hingga 2022. Analisis dilakukan menggunakan regresi data panel dengan bantuan perangkat lunak EViews 12. Penelitian ini melibatkan 11 Bank Umum Syariah di Indonesia selama lima tahun, dengan total 55 observasi yang diperoleh melalui teknik purposive sampling. Hasil penelitian menunjukkan bahwa Good Corporate Governance dan Non-Performing Financing memiliki pengaruh signifikan terhadap Return on Assets, yang menggarisbawahi pentingnya kedua faktor tersebut dalam mempertahankan stabilitas keuangan. Sebaliknya, rasio BOPO tidak menunjukkan dampak yang signifikan terhadap ROA. Selain itu, hasil analisis regresi simultan mengukuhkan bahwa GCG, NPF, dan BOPO secara bersama-sama memberikan pengaruh yang berarti terhadap kinerja keuangan bank syariah, yang diukur melalui ROA.
Co-Authors ALFI SYUKRIA Baroroh, Hilmy Efriandi Efriandi Elda Andriani Faznil Husna S. Rasyad Febi Rahmat Haura Hazimah Melzatia Rakotoarisoa Maminirina Fenitra Riandy Mardhika Adif Riska Fauziah Hayati ROMY YUNIKA PUTRA Romy Yunika Putra Yulia Febriani