Articles
<![CDATA[PROFITABILITY OF ISLAMIC BANKS: EVIDENCE FROM SHARIA BUSINESS UNIT OF BANK NAGARI ]]>
<![CDATA[RIZAL RIZAL]]>;
<![CDATA[DAVID DAVID]]>;
<![CDATA[HUSNI SHABRI]]>;
<![CDATA[ELSA FITRI AMRAN]]>
<![CDATA[ Maqdis: Jurnal Kajian Ekonomi Islam Vol 7, No 2 (2022): Juli - Desember 2022 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Imam Bonjol Padang ]]>
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DOI: 10.15548/maqdis.v7i2.331
<![CDATA[This study aims to analyze the effect of Total Assets, Non Performing Financing, Financing to Deposit Ratio and Profit Sharing Financing on Return on Assets of Sharia Business Unit of Bank Nagari as Regional Government Bank West Sumatra Province. This type of research is associative research with a quantitative approach. The data analysis technique used ordinal logistic regression model of proportional odds. The results show that partially Non Performing Financing has a negative and significant effect on Return on Assets, Financing to Deposit Ratio has a positive and significant effect on Return on Assets, Total Assets and Profit Sharing Financing has no effect on Return on Assets of Unit Usaha Syariah Bank Nagari. Meanwhile, simultaneously Total Assets, Non-Performing Financing, Financing to Deposit Ratio and Profit Sharing Financing are only able to affect Return on Assets of 41.4%, the rest is influenced by other variables. The research outcomes will be invaluable to Islamic Bank aiming to improve Return on Asset that a decrease in the value of the Non Performing Financing ratio and an increase in the value of the Financing to Deposit Ratio.]]>
<![CDATA[ANALISIS KOMPARATIF SYARIAH CARD PADA BANK SYARIAH DI INDONESIA DAN MALAYSIA ]]>
<![CDATA[Husni Shabri]]>;
<![CDATA[Euis Amalia]]>
<![CDATA[ Tamwil Vol 9, No 1 (2023) ]]>
Publisher : <![CDATA[IAIN Batusangkar ]]>
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DOI: 10.31958/jtm.v9i1.9724
<![CDATA[Tujuan penelitian adalah untuk membandingkan praktik kartu kredit syariah pada bank syariah yang ada di Indonesi dan Malaysia. Metode penelitian menggunakan metode kualitatif dengan pendekatan deskriptif komparatif. Data dikumpulkan dari referensi literatur ilmiah, buku dan laporan dari lembaga resmi melalui Systematic Literature Review. Hasil penenlitian menunjukan bahwa terdapat perbedaan produk syariah card pada bank syariah di Indonesia dan Malaysia ditinjau dari akad yang digunakan. Syariah card di Indonesia mengacu pada Fatwa DSN No.54 menggunakan akad kafalah, qard dan ijarah. Sedangkan syariah card di bank syariah Malaysia menggunakan akad Bay al inah, Wadiah, dan Qard al hasan. Masih ada perbedaan pandangan terhadap penggunaan akad pada syariah card baik di Indonesia maupun di Malaysia. Pengguna kartu kredit syariah saat ini masih sangat sedikit karena masih ada keraguan dalam penggunaan akad sehingga perlu alternatif lain dalam penggunaan akad pada kartu kredit syariah seperti akad musyarakah dan murabahah.]]>
<![CDATA[Assessment of Islamic Bank Soundness: Analysis Using CAMELS, RGEC and ALTMAN Z Score Methods ]]>
<![CDATA[Husni Shabri]]>;
<![CDATA[Muhamad Nadratuzzaman Hosen]]>
<![CDATA[ MALIA: Journal of Islamic Banking and Finance Vol 7, No 1 (2023): Malia: Journal of Islamic Banking and Finance ]]>
Publisher : <![CDATA[IAIN Kudus ]]>
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DOI: 10.21043/malia.v7i1.16896
<![CDATA[The purpose of this study is to analyze the soundness level of PT BCA Syariah. This study is descriptive research with a quantitative approach.The paper used data on the annual financial statements of PT BCA Syariah for the period 2017 - 2021. The analysis using CAMELS, RGEC and Altman Z-Score methods. The results show that overall PT BCA Syariah in the 2017-2021 period was at the Health level in the CAMELS, RGEC and Altman Z-Score assessment methods. The highest health and health condition of PT BCA Syariah during the Covid-19 pandemic is a management effort in carrying out appropriate, focused and planned strategies and risk mitigation. The three analytical methods show the same results so that they can be used as a reference for assessing the health of other Islamic banks]]>
<![CDATA[ANALISIS KINERJA PEGAWAI KANTOR WALI NAGARI BARINGIN KECAMATAN LIMA KAUM: DETERMINASI KOMPENSASI DAN DISIPLIN KERJA ]]>
<![CDATA[Husni Shabri]]>;
<![CDATA[Aini Yasri]]>;
<![CDATA[Muhammad Deni Putra]]>
<![CDATA[ AL-ITTIFAQ: Jurnal Ekonomi Syariah Vol 1, No 1 (2021): Al-Ittifaq: Jurnal Ekonomi Syariah ]]>
Publisher : <![CDATA[UIN Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/al-ittifaq.v1i1.3209
<![CDATA[Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh kompensasi dan disiplin kerja terhadap kinerja pegawai kantor wali nagari Baringin Lima Kaum. Jenis penelitin ini adalah penelitian lapangan dengan metode kuantitatif deskriptif. Hasil penelitian menunjukan bahwa kompensasi tidak berpengaruh terhadap kinerja pegawai secara parsial, namun disiplin kerja secara parsial berpengaruh positif dan signifikan terhadap kinerja pegawai kantor wali nagari Baringin. Sedangkan secara simultan kompensasi dan disiplin kerja berpengaruh positif terhadap kinerja pegawai kantor wali nagari Baringin Kecamatan Lima Kaum. Hasil peneilian ini memiliki kontribusi bagi manajemen kontor wali nagari dalam meningkat kinerja pegawai di masa yang akan datang.]]>
<![CDATA[Assessment of Islamic Bank Soundness: Analysis Using CAMELS, RGEC and ALTMAN Z Score Methods ]]>
<![CDATA[Husni Shabri]]>;
<![CDATA[Muhamad Nadratuzzaman Hosen]]>
<![CDATA[ MALIA: Journal of Islamic Banking and Finance Vol 7, No 1 (2023): Malia: Journal of Islamic Banking and Finance ]]>
Publisher : <![CDATA[IAIN Kudus ]]>
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DOI: 10.21043/malia.v7i1.16896
<![CDATA[The purpose of this study is to analyze the soundness level of PT BCA Syariah. This study is descriptive research with a quantitative approach.The paper used data on the annual financial statements of PT BCA Syariah for the period 2017 - 2021. The analysis using CAMELS, RGEC and Altman Z-Score methods. The results show that overall PT BCA Syariah in the 2017-2021 period was at the Health level in the CAMELS, RGEC and Altman Z-Score assessment methods. The highest health and health condition of PT BCA Syariah during the Covid-19 pandemic is a management effort in carrying out appropriate, focused and planned strategies and risk mitigation. The three analytical methods show the same results so that they can be used as a reference for assessing the health of other Islamic banks]]>
<![CDATA[Determinan Profil Risiko Terhadap Performance Bank Pembiayaan Rakyat Syariah Di Provinsi Sumatera Barat ]]>
<![CDATA[Nur Azlina]]>;
<![CDATA[Husni Shabri]]>;
<![CDATA[Ibnu Qizam]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 3, No 2 (2023): July - Desember 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v3i2.9169
<![CDATA[This study aims to analyze the effect of risk profile on the performance of Islamic Rural Bank (BPRS) in West Sumatra Province. This type of research is a field research with a quantitative approach. The samples in the study were seven BPRS in West Sumatra Province that have been operating sharia since 2019. Secondary data in the form of annual financial statements of each BPRS for the period 2019-2022. The analysis technique used panel data regression. The results showed that the credit risk profile using the Non Performing Financing ratio and liquidity risk using the Financing to Deposit Ratio partially had no significant effect on the performance of BPRS as measured using the Return on Asset ratio. However, both risk profiles simultaneously have a significant effect on the performance of BPRS with a coefficient of determination of 96%. The practical implication of this research is that credit risk and liquidity risk must be managed simultaneously, including other risks faced by banks because they have a very strong influence on bank performance.]]>
<![CDATA[STRATEGI PENGEMBANGAN BISNIS CAFE D’ TERAS FOOD AND DRINK : BLUE OCEAN STRATEGY ]]>
<![CDATA[Nabilla Nurfitrianisda]]>;
<![CDATA[Husni Shabri]]>
<![CDATA[ Jurnal Manajemen Bisnis Syariah Vol 4, No 2 (2024): Jurnal Manajemen Bisnis Syariah:MABIS ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/mabis.v4i2.13442
<![CDATA[The main problem in the research is the decline in visitors to the D' Teras Food and Drink cafe in the last few months due to tight competition in the culinary business in Nagari Cubadak. The aim of this research is to determine the strategy for developing the D' Teras Food and Drink cafe business using the Blue Ocean Strategy approach.This type of research is field research with qualitative descriptive research methods. Data collection techniques use interviews. The data analysis technique uses Miles and Huberman with stages of data reduction, data presentation and drawing conclusions. as well as development strategy analysis tools using Blue Ocean Strategy.The research results show that the implementation of the four-step Blue Ocean Strategy framework is eliminating several menus that are rarely available and ordered by customers. Reducing the prices of Food and Drinks, which are still quite high. Increasing the menu to be more varied and unique, increasing the number of employees, more actively promoting the cafe via social media, and making the cafe decoration more attractive and aesthetic. Creating several supporting facilities, such as acoustic and karaoke equipment, parking lots that can protect vehicles from rainy and hot weather, and adding digital payment methods]]>
<![CDATA[Analisis Fundamental dan Teknikal Saham PT. Bank BTPN Syariah Tbk ]]>
<![CDATA[Meidya Putri]]>;
<![CDATA[Husni Shabri]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 2, No 1 (2022): January - June 2022 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v2i1.4326
<![CDATA[The purpose of this study is to determine whether the company's fundamental performance is in line with stock price movements in the Capital Market. The research was conducted using a qualitative descriptive method. The analysis technique is fundamental analysis and technical analysis of PT. Bank BTPN Syariah Tbk. The data used are financial reports and stock trading statistics obtained from the Indonesia Stock Exchange. The results showed that the fundamental performance since 2015-2019 as measured by EPS, ROE, ROE and PER showed very good growth. Meanwhile, along with the ongoing pandemic in 2020, there was a decline in fundamental performance with indicators of EPS, ROE, ROA dropping significantly. Meanwhile, in terms of technical analysis, it is in line with the company's performance. Where from 2018 to 2019 the stock price experienced an uptrend (increase) phase and PER was at 14-15x, which means the stock price was considered cheap (undervalued). Meanwhile in 2020, along with the decline in fundamental performance, the movement of BTPS stock prices experienced a downtrend phase with stock valuations being quite expensive (overvalued) at 43x.]]>
<![CDATA[Profitabilitas PT BCA Syariah : Analisis Determinan Dana Pihak Ketiga, Modal Dan Financing To Deposit Rasio ]]>
<![CDATA[Husni Shabri]]>;
<![CDATA[Anggia Nofasari]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 2, No 1 (2022): January - June 2022 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v2i1.5507
<![CDATA[This study aims to analyze the effect of Third Party Funds and Capital on the Net Profit of PT BCA Syariah for the period 2011-2020 with the Financing to Deposit Ratio as the Intervening variable. This type of research is quantitative research with quantitative descriptive methods. Data collection techniques using documentation with secondary data sources in the form of quarterly financial statements of PT BCA Syariah. The data analysis technique used path analysis which was processed with SPSS 26 software. The results showed that Third Party Funds directly had a significant influence on the Net Profit of PT BCA Syariah. Likewise, capital directly has a significant effect on Net Profit. Third Party Funds and Capital indirectly through the Financing to Deposit Ratio have no effect on the Net Profit of PT BCA Syariah for the 2011-2020 period. This research can be an input for PT BCA Syariah in making policies related to increasing company profitability ]]>
<![CDATA[Eksplorasi Transaksi Derivatif Dalam Keuangan Islam ]]>
<![CDATA[Husni Shabri]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 2, No 2 (2022): July - Desember 2022 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v2i2.6628
<![CDATA[This study aims to explore the application of derivative transactions in Islamic financial institutions in Indonesia, Malaysia and Pakistan. The research method uses descriptive qualitative approach with Systematic Literature Review. Data collection techniques using documentation. The results show that derivative transactions are permitted only for Future Trading on the Commodity Exchange at the Jakarta Futures Exchange which is regulated in fatwa DSN No. 82 of 2011. Derivative transactions are also allowed to hedging aims to mitigate risk in foreign exchange transactions, not for speculation. This view is also in line with the application in Malaysia and Pakistan that the practice of derivatives is only a hedging to minimize risk. The challenge faced in derivative transactions is the difficulty of operating sharia-compliant derivatives so that in the future it is hoped that there will be derivative innovations with sharia principles]]>
