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All Journal Studia Economica: Jurnal Ekonomi Islam Seuraya Jurnal Pengabdian Kepada Masyarakat
Alfian Muhammad
IAIN Langsa
Religion Humanities Chemistry Economics, Econometrics & Finance Social Sciences

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ANALISIS INTERAKSI DAN PREDIKTIF CAR, NPF DAN FDR TERHADAP ROA PERBANKAN SYARIAH DI INDONESIA Tajul Ula; Alfian Muhammad; Sabilla Ayuni
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VIII | No. 2 | 2022
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (789.258 KB) | DOI: 10.30821/se.v8i2.13558

Abstract

Perkembangan Retrun On Asset (ROA) pada Bank Umum Syariah dipengaruhi oleh banyak faktor, baik faktor internal maupun eksternal seperti makro ekonomi. Adapun faktor internalnya yaitu Capital Adequacy Ratio (CAR), Non Permorming Financing (NPF) dan Financing to Deposit Ratio (FDR). Penelitian ini bertujuan untuk menguji secara empiris pengaruh CAR, NPF dan FDR terhadap ROA Bank Umum Syariah dengan melibatkan analisis dalam jangka pendek dan jangka panjang. Metode analisis yang digunakan adalah metode kuantitatif analisis data menggunakan model Autoregressive Distributed Lag (ARDL). Hasil penelitian yang dilakukan menunjukkan hasil bahwa variabel ROA, CAR, NPF dan FDR memilki stasioneritas pada First Differences serta kointegrasi yang mengartikan variabel ROA,CAR, NPF dan FDR memiliki kointegrasi sebagai penanda memilki hubungan jangka panjang. Selain itu, secara simultan variabel,CAR, NPF dan FDR berpengaruh nyata terhadap ROA bank umum syariah periode 2015 -2020 serta sebagian besar variabel independen beserta lag optimumnya berpengaruh signifikan terhadap ROA. Hasil analisis model ARDL ini juga sudah terbebas dari pelanggaran asumsi klasik dan berdasarkan uji stabilitas juga sudah menunjukkan model yang stabil dan layak untuk dilakukan forecasting. Hasil dari seluruh rangkaian model ARDL ini mengindikasikan bahwa perbankan syariah dalam meningkatkan profitabilitasnya agar mengelola keuangannya dengan cermat agar seluruh indikator rasio keuangan terus dalam keadaan yang stabil.
Sustainable Livelihoods through Natural and Environmental Resource Empowerment: A Case Study of Afdeling II Bukit Village, Birem Bayeun, East Aceh, Indonesia Alfian Muhammad; Muhammad Amin; Safwan Kamal; Fakhrizal Mustafa; Anis Kurlillah; Nanda Safarida; Shelly Midesia; Iksal Maulana; Danang Al Qadri; Fathia Mahirah; Fadilla Zulkarnaini; Nur Suciarni; Faisal Yahya
SEURAYA Jurnal Pengabdian Kepada Masyarakat Vol 3 No 2 (2025): SEURAYA: Jurnal Pengabdian kepada Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/seuraya.v3i2.13027

Abstract

This community service program was conducted in Afdeling II Bukit Village, Birem Bayeun District, East Aceh Regency, aiming to empower the community through the Asset-Based Community Development (ABCD) approach. The main issue identified was the underutilization of natural and environmental resources as productive economic assets. The activities were carried out through several stages, including local asset mapping, training on processing palm fronds into value-added products, training on utilizing family medicinal plants into herbal drinks, Focus Group Discussions (FGDs), and continuous mentoring. The implementation emphasized community participation, collaboration with village authorities, and the application of simple digital technologies to enhance product marketing. The results showed an increase in community skills in managing local resources, the formation of asset-based business groups, and greater awareness of economic independence based on local potential. In conclusion, the ABCD approach proved effective in fostering rural economic self-reliance through the strengthening of local assets and continuous mentoring integrated with digital innovation.
Co-Authors Anis Kurlillah Danang Al Qadri Fadilla Zulkarnaini Faisal Yahya Fakhrizal Mustafa Fathia Mahirah Iksal Maulana Muhammad Amin Nanda Safarida Nur Suciarni Sabilla Ayuni Safwan Kamal Shelly Midesia Tajul Ula