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All Journal Al-Buhuts (e-journal) Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan
WIWIN KONI
IAIN Sultan Amai Gorontalo
Economics, Econometrics & Finance

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APPLICATION OF COMMUNICATION ETHICS IN FINANCING PRODUCTS AT ISLAMIC BANKS IN GORONTALO WIWIN KONI
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 7, No 1 (2022): Januari - Juni 2022
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (198.589 KB) | DOI: 10.15548/al-masraf.v7i1.280

Abstract

This study aims to find out how to apply communication ethics in financing products at Islamic banks in Gorontalo. this type of research is field research with a qualitative approach. The data sources in this study consisted of primary and secondary data obtained from interviews with Islamic bank managers in Gorontalo, and documentation as well as those sourced from library research in the form of reading books and other sources relevant to this research. This study resulted in the findings that the application of the principles of communication ethics at Islamic banks in Gorontalo is not only a slogan, but is an integral part of the pattern of services provided. Banks and customers are parties that act as communicants and communicators in transactions on financing products at Bank Muamalat Gorontalo. All operational activities of Bank Muamalat are carried out based on provisions based on Islamic law and the MUI Fatwa.
Pengaruh NPF, CAR, BOPO, Inflasi dan BI Rate terhadap Profitabilitas (ROA) Pada Bank BCA Syariah Tahun 2015-2022 Wiwin Koni; Anggi Hasan
Al-Buhuts Vol. 20 No. 1 (2024): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v20i1.5111

Abstract

This research aims to (1) determine the effect of NPF on ROA of BCA Syariah Bank 2015-2022, (2) to determine the effect of CAR on ROA of BCA Syariah Bank 2015-2022, (3) to determine the effect of BOPO on BCA Syariah Bank ROA 2015-2022, (4) to determine the effect of inflation on BCA Syariah Bank ROA 2015-2022, (5) to determine the effect of the BI Rate on BCA Syariah Bank ROA 2015-2022. (6) to find out whether NPF, CAR, BOPO, Inflation and BI Rate have an effect on BCA Syariah Bank ROA 2015-2022. This research is a type of quantitative research using a descriptive statistical approach. The sampling technique in this research uses a saturated sampling technique where the entire population is used as the sample. The sample in this research is the 32 quarterly financial reports of BCA Syariah Bank for 2015-2022. The type of data in this research is secondary data obtained from www. bcasyariah.co.id in the form of quarterly financial reports, www.bi.go.id in the form of inflation data and www.bps.go.id in the form of BI Rate data. The data analysis technique used is the Multiple Linear Regression data analysis technique using the Eviews 10 application tool. The results of this research show that NPF and BOPO have a significant effect on the ROA of Bank BCA Syariah in 2015-2022, while CAR, Inflation and BI Rate do not have a significant effect on ROA of Bank BCA Syariah in 2015-2022. However, simultaneously NPF, CAR, BOPO, Inflation and BI Rate influence BCA Syariah Bank's ROA for 2015-2022 by 60.3442% and the remainder is influenced by other variables outside the research.  
Co-Authors Anggi Hasan