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DETERMINAN PROFITABILITAS PADA BANK PEMBIAYAAN RAKYAT SYARIAH DI INDONESIA Uus Ahmad Husaeni
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 9 No 1 (2017)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v9i1.568

Abstract

Abstract: The purpose of this study is to examine the factors that affect the profitability in Islamic rural bank in Indonesia. The analytical tool used in this research is multiple linear regression analysis. The results of the study, to simultaneously show that the Third Party Funds, Capital Adequacy Ratio, Financing to Deposit Ratio Non Performing Financing and Operating Expanse to Operating Income (BOPO) significantly affects to Return on Asset (Profitability), while the rest is explained by other factors not enrolled in this study. Keywords: Financing, Internal Factors; Islamic Rural Banks, Multiple Regression
THE ROLE OF BAITUL MAAL WA TAMWIL IN ALLEVIATING POVERTY IN CIANJUR REGENCY, WEST JAVA Reksa Jayengsari; Uus Ahmad Husaeni
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 5, No 1 (2021)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (44.056 KB) | DOI: 10.29313/amwaluna.v5i1.6686

Abstract

This study aims to analyze the role of BMT in poverty alleviation in the Cianjur Regency. The research method used quantitative data collection using a questionnaire from 100 BMT members and data analysis techniques using multiple linear regression analysis. This article concludes that the poverty alleviation variable proxied by the income variable of BMT members is influenced by the real sector driving variable (providing financing) (t count 1.747, sig 0.045), business education to the community (t count 2.324, sig 0.006), Fund utilization Baitul Maal (t count 3,515, sig 0,000) and work motivation of members (t count 2,599, sig 0,000). Meanwhile, the variable of micro business empowerment/business assistance did not significantly affect the income of BMT members (t count -0.621, sig 0.536). Meanwhile, the R Square result is 0.643, which means that BMT members' variable income is influenced by the real sector driving variables, business education, fund utilization, work motivation, and business empowerment by 64.3 percent. In comparison, the remaining 35.7 percent is influenced by other variables. Thus, the conclusion of this study is members' perceptions of the existence and role of BMT in increasing community income to reduce poverty levels due to activities that are social, educational, and increase work motivation.
Pengaruh Lokasi dan Harga terhadap Keputusan Pembelian di Farmers di Wilayah Cianjur, Jawa Barat Nurjaya Nurjaya; Rahmat Taufiq Dwi Jatmika; Uus Ahmad Husaeni; Dadang Yudih
Jurnal Tadbir Peradaban Vol. 1 No. 2 (2021): Jurnal Tadbir Peradaban
Publisher : Prodi Manajemen STIE Hidayatullah Depok

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (258.881 KB) | DOI: 10.55182/jtp.v1i2.42

Abstract

This study aims to determine the effect of location and price on purchasing decisions at Farmers in the Cianjur Region, West Java. The method used is explanatory research with analytical techniques using statistical analysis with regression, correlation, determination and hypothesis testing. The results of this study that location has a significant effect on purchasing decisions by 46.1%, hypothesis testing is obtained t count > t table or (8.959 > 1.986). Price has a significant effect on purchasing decisions by 36.5%, hypothesis testing is obtained t count > t table or (7.343 > 1.986). Location and price simultaneously have a significant effect on purchasing decisions with the regression equation Y = 12,541 + 0,425X1 + 0,424X2 and the contribution of influence is 55.5%, hypothesis testing is obtained F count > F table or (57.897 > 2,700).
The Variables that Affect Compliance of Muslim Merchants for Zakat Maal in the District of Cianjur Dadang Husen Sobana; Uus Ahmad Husaeni; Irpan Jamil; Dadang Saepudin
International Journal of Zakat Vol 1 No 1 (2016)
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (400.46 KB) | DOI: 10.37706/ijaz.v1i1.8

Abstract

The purpose of this study is to determine the variables that affect the level of compliance among Muslim merchants in the implementation of zakat maal. The quantitative method was used for the investigation and the results were compiled by multiple linear regression analysis. The total population enrolled in this study comprised 100 Muslim merchants. A non-probability sampling technique with this type of sampling was considered suitable for the purpose of this research that the sample collection purpose adapted to the purpose of research. Based on the results of multiple linear regression testing, it can be concluded that compliance zakat maal is affected by the variable level of education, level of income, commitment to Islamic rule, perceptions Zakat justice and transparency of zakat institution. Keywords: Compliance; welfare; Muslim merchants; zakat institution; zakat maal
Principle 5 C in The Practice of Peer to Peer Lending (P2P) Financial Technology in The Perspective of Business Ethics and Islamic Justice Hesti Dwi Astuti; Cucu Sholihah; Mualimin Mochammad Sahid; Abu Umar Faruq Ahmad; Yayan Sopyan; Uus Ahmad Husaeni
Jurnal IUS Kajian Hukum dan Keadilan Vol 10, No 2: August 2022 : Jurnal IUS Kajian Hukum dan Keadilan
Publisher : Fakultas Hukum Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ius.v10i2.1019

Abstract

Non-bank financial service actors in the era of the COVID-19 pandemic made a breakthrough by creating fintech (Financial technology) through the development of Peer Peer Lending (P2P) or online loans. The purpose of this study is to analyze the implementation of 5C principles in the practice of peer-to-peer lending Fintech based on a review of Islamic business ethics. The method used in this research is a normative juridical approach with a descriptive research approach. The data that has been obtained will be arranged systematically for further qualitative analysis. This study concludes that principles and business ethics must be considered with the concept of “The Five C’s Principle of Credit Analysis” in either conventional or sharia systems. In the case of customers who choose a sharia online loan system, they must also pay attention to the ethical aspects of financial business in Islam, which is something that must be considered considering that in Islam, ethical issues are related to the determination of economic policies that will affect the halalness of service and the agreement of the parties. 
Analisis Tingkat Kesehatan Bank Menggunakan Metode RBBR di Bank Tabungan Negara Syariah Dadang Dimyati; Mega Julia Puji Rahayu R; Badriyatul Huda; Uus Ahmad Husaeni
Jurnal Dimamu Vol. 2 No. 1 (2022)
Publisher : Ma'soem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/dimamu.v2i1.661

Abstract

This study aims to find out the health level of PT Panin Dubai Syariah Bank for the period 2017-2021 using the RGEC method. The valuation factors used are Risk Profile, Good Corporate Governance, Earning and Capital factors. The object of this research is the financial statements of research used is quantitative with a descriptive approach. The type of data used in this study is secondary data. The results showed that the health level of PT Panin Dubai Syariah Bank based on Risk Profile factors gets a healthy predicate, Good Corporate Governance gets a healthy predicate, Earning gets a unhealthy predicate and Capital gets a very healthy predicate.
Principle 5 C in The Practice of Peer to Peer Lending (P2P) Financial Technology in The Perspective of Business Ethics and Islamic Justice Hesti Dwi Astuti; Cucu Sholihah; Mualimin Mochammad Sahid; Abu Umar Faruq Ahmad; Yayan Sopyan; Uus Ahmad Husaeni
Jurnal IUS Kajian Hukum dan Keadilan Vol. 10 No. 2: August 2022 : Jurnal IUS Kajian Hukum dan Keadilan
Publisher : Magister of Law, Faculty of Law, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ius.v10i2.1019

Abstract

Non-bank financial service actors in the era of the COVID-19 pandemic made a breakthrough by creating fintech (Financial technology) through the development of Peer Peer Lending (P2P) or online loans. The purpose of this study is to analyze the implementation of 5C principles in the practice of peer-to-peer lending Fintech based on a review of Islamic business ethics. The method used in this research is a normative juridical approach with a descriptive research approach. The data that has been obtained will be arranged systematically for further qualitative analysis. This study concludes that principles and business ethics must be considered with the concept of “The Five C’s Principle of Credit Analysis” in either conventional or sharia systems. In the case of customers who choose a sharia online loan system, they must also pay attention to the ethical aspects of financial business in Islam, which is something that must be considered considering that in Islam, ethical issues are related to the determination of economic policies that will affect the halalness of service and the agreement of the parties. 
Factors Influencing Decisions to Purchase Halal Products for Ptkis Students in Cianjur Regency Farid Faisal; Uus Ahmad Husaeni; Reksa Jayengsari; Farid Faisal
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 6 No. 1 (2023): Maro
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v6i1.3968

Abstract

This study aims to analyze the factors influencing the decision to purchase halal products for students of private Islamic religious colleges (abbreviated PTKIS) in the Cianjur Regency. The research method used in this research is quantitative. The variables used are halal certification, awareness, and food composition as the independent variables, and the decision to purchase halal products as the dependent variable. This study's population was PTKIS students in the Cianjur Regency area. The number of PTKIS students in Cianjur Regency who filled out the questionnaire was 142. Meanwhile, the data analysis technique uses multiple linear regression. This study concludes that halal certification influences the decision to purchase halal products for PTKIS students in Cianjur Regency. Halal awareness influences the decision to purchase halal products. Meanwhile, food composition has no significant effect on purchasing decisions for halal products. Halal certification is an essential key for business product development. Halal awareness among PTKIS students has a significant influence on purchasing decisions. Meanwhile, most students do not use food composition as the primary reference when choosing halal products.
PENGARUH PEMBIAYAAN MIKRO SYARIAH TERHADAP TINGKAT PERKEMBANGAN USAHA MIKRO KECIL MENENGAH (UMKM) PADA ANGGOTA BMT DI JAWA BARAT Uus Ahmad Husaeni; Tini Kusmayati Dewi
BJRM (Bongaya Journal of Research in Management) Vol. 2 No. 1 (2019): BJRM (Bongaya Journal of Research in Management)
Publisher : P3M STIEM BONGAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37888/bjrm.v2i1.122

Abstract

This study aims to analyze the role of Islamic microfinance on the level of development of small and medium micro enterprises in BMT members in West Java. The research method is carried out using a type of quantitative associative approach. The population of this study are members of BMT Baytul Ikhtiar Bogor, BMT ItQan Bandung, BMT Amanah Bersama Bandung and BMT Ibadurrahman Sukabumi, which number 40 people. While the technique for analyzing data is using Simple Linear Regression analysis. The results of the study found that the role of Islamic microfinance in providing business capital to members of BMT has an important role to improve small and medium micro enterprises. The R-Square value is 0.529 or 52.90%. It is seen that the independent variable of Islamic microfinance in explaining the dependent variable of SMEs Business Development Levels on BMT members is 52.90%, the remaining 47.10% is explained by other variables outside the model that are not examined. Based on the results of testing the F test, the value of Fcount> Ftable is 61.875 > 3.24 with the hypothesis H0 being rejected and Ha being accepted with a significance of 0.000 < 0.05.
The Variables that Affect Murābaḥa Financing in Islamic Commercial Banks Uus Ahmad Husaeni
International Journal of Nusantara Islam Vol 4, No 2 (2016): International Journal of Nusantara Islam
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijni.v4i2.1446

Abstract

Murābaḥa financing is a type of financing that dominates the financing contract on Islamic banking in Indonesia. This shows that financing on the basis of sale (murābaḥa) has a greater contribution than the financing of the basis for the profit and loss sharing (muḍāraba and muṣāraka). The purpose of this study is to determine the factors that affect the financing of murābaḥa in the Islamic Commercial Banking in Indonesia by using variables Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF) and Return on Assets (ROA). The population in this study is the performance of Islamic Commercial Banks in Indonesia in the period of January 2014 to June 2016. The data used in this research is secondary data and sample selection by using purposive sampling method. The analytical tool used in this research is multiple linear regression analysis at significantly the rate of 5%. The results of this study indicate that the variable DPK, CAR, FDR, NPF, and ROA simultaneously have an influence on Murābaḥa. Coefficient determination test results show that the five independent variables affect the dependent variable amounted to 87.6% and the remaining 12.4% is influenced by other variables. Partially DPK, CAR, FDR, and ROA have a positive and significant effect on the financing Murābaḥa. While the NPF has no influence on Murābaḥa financing.