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All Journal At-Tamwil: Journal of Islamic Economics and Finance
Isfandayani Isfandayani
Perbankan Syariah Universitas Islam 45
Economics, Econometrics & Finance

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Analisis Perbandingan Kinerja Keuangan Bank Umum Syariah BUMN dan Non BUMN dengan Metode RGEC Hafiz Santak Taram; Isfandayani Isfandayani
At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 2 (2022): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v1i2.5723

Abstract

This study aims to analyze the comparison of the financial performance of BUMN Islamic commercial banks and BUMN Non Islamic commercial banks on the variables of Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC) for the 2017-2020 period represented by the ratio of Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), Good Corporate Governance (GCG), Return On Assets (ROA), Return On Equity (ROE), and Capital Adequacy Ratio (CAR). The results of this study show that of the 7 ratios analyzed, there are 5 ratios with significant differences between the financial performance of BUMN Islamic commercial banks and Non BUMN Islamic commercial banks during the 2017-2020 period, namely FDR with a significance of 0.000, BOPO with a significance of 0.011 Good Corporate Governance with a significance of 0.011. 0.003 significance, ROA with 0.024 significance, and ROE with 0.020 significance. While the NPF ratio with a significance of 0.921, CAR with a significance of 0.744, and RGEC Composite Rating with a significance of 0.510 there is no significant difference between the financial performance of BUMN Islamic commercial banks and non-BUMN Islamic commercial banks during the 2017-2020 period. The last analysis on the consolidated financial performance assessment of all RGEC variables shows that the performance of BUMN Islamic commercial banks is not better than the performance of Non-BUMN Islamic commercial banks where the average composite value for 4 years is the performance of BUMN Islamic commercial banks (80%).
PERAN PERBANKAN SYARIAH TERHADAP BAZNAS KOTA BEKASI Annie Faridha Farachdina; Isfandayani Isfandayani; Siti Mardiah
At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 2 (2022): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v1i2.5725

Abstract

Zakat has a goal to improve the economic welfare of mustahiq. BAZNAS (National Amil Zakat Agency) is an institution for the collection and distribution of zakat owned by the Indonesian government. The presence of Islamic banking is expected to be able to play a role in realizing the goals of zakat and BAZNAS programs. This study discusses the role of Islamic Banking in Bekasi City BAZNAS. The research used is qualitative with primary and secondary data. The data collection techniques used are observation, interviews, and documentation. The results of this study indicate that the Islamic banks that have collaborated with BAZNAS Bekasi City are BTN Syariah, BJB Syariah, and Mega Syariah, with several cooperation programs. The role of Islamic Banking in Bekasi City BAZNAS using Maqashid Syariah analysis has been achieved, but in terms of funding it has not been optimal.
Co-Authors Annie Faridha Farachdina Hafiz Santak Taram Siti Mardiah