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Determinan Pertumbuhan Total Aset Bank Umum Syariah Di Indonesia Nisel Gustika; Husni Shabri; Elfina Yenti; Nofrivul Nofrivul
Al-bank: Journal of Islamic Banking and Finance Vol 4, No 2 (2024): July - Desember 2024
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v4i2.13110

The study aims to analyze the effect of Non-Performing Finance, Financing Depocit Ratio, Operating Cost of Operating Income and Inflation on the growth of Total Assets of Islamic Commercial Banks in Indonesia. This type of research is quantitative research. The data used in this study is data that has been combined for all Islamic Commercial Banks from 2018-2022. The data collection technique uses documentation sourced from Islamic banking statistical reports on the OJK website and the BI website. Data analysis techniques using multiple linear regression. The results showed that the Financing Depocit Ratio and Operating Cost of Operating Income partially influenced the Growth of Total Assets of Islamic Commercial Banks in Indonesia. While Non-Performing Finance and Inflation partially have no effect on the Growth of Total Assets of Islamic Commercial Banks in Indonesia. Simultaneously there is an influence of NPF, FDR, BOPO and Inflation on the Growth of Total Assets of BUS in Indonesia. The contribution of independent variables to the growth of Total Assets is 84%.

Analisis Tingkat Kesehatan Bank Nagari Syariah Menggunakan Metode RGEC Shinta Pratama; Husni Shabri
Al-bank: Journal of Islamic Banking and Finance Vol 4, No 2 (2024): July - Desember 2024
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v4i2.13196

The purpose of this study was to measure the health level of Bank Nagari Syariah using the RGEC method. The research method used is descriptive quantitative method. The data collection technique used is documentation. The data analysis technique uses ratio analysis contained in the assessment of the bank's health level using the RGEC method. The results showed that the health level of Bank Nagari Syariah in 2017-2022 was in a good rating. In 2017-2018, the Financing to Debt Ratio was in an unhealthy state. But in 2019-2022 the bank has been able to improve its performance. The Net Performing Financing ratio is in a healthy state from year to year. The profitability factor shows that the bank is able to make a profit from its operational activities. Operating Expenses to Operating Income are categorized as healthy. The Good Corporate Governance factor shows that the implementation of the bank's operational structures and processes is in accordance with the regulations set by the OJK. The Capital factor is calculated by the Capital Adequacy Ratio and is in a very healthy state. The health level of Bank Nagari Syariah is in a healthy position.

Pengaruh Produk Domestik Regional Bruto Dan Investasi Terhadap Pendapatan Asli Daerah Kabupaten/Kota Di Sumatera Barat Andini, Sri Muthia; Shabri, Husni
AL-ITTIFAQ Jurnal Ekonomi Syariah Vol 4, No 1 (2024): Al-Ittifaq : Jurnal Ekonomi Syariah
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/al-ittifaq.v4i1.12260

This research aims to analyze the influence of Gross Regional Domestic Product (GRDP) and Investment on Original Regional Income (PAD) in Regencies/Cities in West Sumatra. The type of research used is empirical research with a quantitative approach method, the data source used is secondary data sources published by the Central Statistics Agency (BPS) and the Ministry of Finance. The data collection technique uses documentation obtained through related agencies or institutions, the data analysis technique uses panel data regression analysis techniques, then processed using the E-views 12 application. The results of the research show that GRDP does not have a significant effect on PAD in districts/cities in West Sumatra, investment has a significant influence on PAD in districts/cities in West Sumatra, as well as GRDP and investment has a significant influence on PAD District/City in West Sumatra. The implications of this research are that regional governments are expected to maintain and improve the investment climate and increase regional revenues in districts/cities in West Sumatra so that they remain in a more conducive situation, considering that GRDP and investment can contribute large increase in PAD in Regencies /Cities in West Sumatra.

Financing Process Analysis of Bank Nagari Syariah and BPRS in West Sumatra: Precautionary Principle Implementation Yenti, Fitri; Wahyuni, Elmiliyani; Shabri, Husni
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14458

This study aims to analyze the financing implementation process at Bank Nagari Syariah and Sharia Rural Banks (BPRS) in West Sumatra, focusing on the application of the precautionary principle. This research employs a descriptive qualitative method, with data collected through in-depth interviews, document analysis, and direct observation of eight BPRS: PT BPRS Mentari Saiyo, PT BPRS Haji Miskin, PT BPRS Carana Kiat Andalas Bukittinggi, PT BPRS Ampek Angkek Canduang, PT BPRS Almakmur Payakumbuh, PT BPRS Sungai Puar Syariah, PT BPRS Barakah Nawaitul Ikhlas Solok, and PT BPRS Gajah Nan Tongga Sawah Lunto. The data were analyzed thematically, focusing on the implementation of the 6C and 5C assessment methods. The findings reveal that Bank Nagari Syariah and BPRS consistently apply the precautionary principle to mitigate the risk of default. This study implies the need to strengthen risk assessment systems based on sharia principles to improve financing asset quality and enhance customer trust in sharia banking

Perbandingan Konsep Sistem Lembaga Keuangan Sosial Syariah : Bank Wakaf Mikro, Baznas Microfinance Desa, dan Bank Infak Alimin, Alimin; Fahlefi, Rizal; Shabri, Husni; Zulkifli, Zulkifli
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14756

This research aims to analyze the comparison of the concept of the operational system of Islamic Social Financial Institutions such as the Micro Waqf Bank, Baznas Microfinance Village, and Infak Bank. The research method uses qualitative Conceptual Comparison Method. Data collection techniques using interviews and documentation. The results showed that the system concepts of three Indonesian Islamic social financial institutions are purely social from the aspects of status as a social institution, funding, financing, and distribution, and have many operational system similarities. However, there are differences in the sources of capital in the form of alms, zakat, waqf, general donations, and CSR which have become the responsibility of the company. In terms of type, the three institutions are classified as ethical banks or non-bank Islamic ethical financial institutions because they emphasize the purpose of their activities on outcomes and impact rather than profit at all. In terms of the cash waqf theory of capital resilience, the three institutions are less efficient from the aspect of business sustainability, because the amount is at risk of decreasing and will always depend on donations, where the funds are channeled to poor businesses that are at risk of inability to repay loans. The researcher recommends a commercial social financial institution model that is commercial in seeking profit, but social in profit distribution

Financing Process Analysis of Bank Nagari Syariah and BPRS in West Sumatra: Precautionary Principle Implementation Yenti, Fitri; Wahyuni, Elmiliyani; Shabri, Husni
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14458

This study aims to analyze the financing implementation process at Bank Nagari Syariah and Sharia Rural Banks (BPRS) in West Sumatra, focusing on the application of the precautionary principle. This research employs a descriptive qualitative method, with data collected through in-depth interviews, document analysis, and direct observation of eight BPRS: PT BPRS Mentari Saiyo, PT BPRS Haji Miskin, PT BPRS Carana Kiat Andalas Bukittinggi, PT BPRS Ampek Angkek Canduang, PT BPRS Almakmur Payakumbuh, PT BPRS Sungai Puar Syariah, PT BPRS Barakah Nawaitul Ikhlas Solok, and PT BPRS Gajah Nan Tongga Sawah Lunto. The data were analyzed thematically, focusing on the implementation of the 6C and 5C assessment methods. The findings reveal that Bank Nagari Syariah and BPRS consistently apply the precautionary principle to mitigate the risk of default. This study implies the need to strengthen risk assessment systems based on sharia principles to improve financing asset quality and enhance customer trust in sharia banking

Perbandingan Konsep Sistem Lembaga Keuangan Sosial Syariah : Bank Wakaf Mikro, Baznas Microfinance Desa, dan Bank Infak Alimin, Alimin; Fahlefi, Rizal; Shabri, Husni; Zulkifli, Zulkifli
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14756

This research aims to analyze the comparison of the concept of the operational system of Islamic Social Financial Institutions such as the Micro Waqf Bank, Baznas Microfinance Village, and Infak Bank. The research method uses qualitative Conceptual Comparison Method. Data collection techniques using interviews and documentation. The results showed that the system concepts of three Indonesian Islamic social financial institutions are purely social from the aspects of status as a social institution, funding, financing, and distribution, and have many operational system similarities. However, there are differences in the sources of capital in the form of alms, zakat, waqf, general donations, and CSR which have become the responsibility of the company. In terms of type, the three institutions are classified as ethical banks or non-bank Islamic ethical financial institutions because they emphasize the purpose of their activities on outcomes and impact rather than profit at all. In terms of the cash waqf theory of capital resilience, the three institutions are less efficient from the aspect of business sustainability, because the amount is at risk of decreasing and will always depend on donations, where the funds are channeled to poor businesses that are at risk of inability to repay loans. The researcher recommends a commercial social financial institution model that is commercial in seeking profit, but social in profit distribution

Green Economy in the Map of Science: Bibliometric Analysis of Publication Patterns and Collaboration Satria, Ronal; Shabri, Husni
Imara: Jurnal Riset Ekonomi Islam Vol 9, No 1 (2025): IMARA:JURNAL RISET EKONOMI ISLAM
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v9i1.15710

Background. Research on the Green Economy has grown significantly in recent years. However, to fully understand the direction and trends of this field, a comprehensive analysis of existing scientific publications is necessary. One effective approach is bibliometric analysis, which enables the mapping of developments and thematic expansions in Green Economy research. Purpose. This study aims to conduct a bibliometric analysis using VOSviewer to explore the development and expansion of Green Economy research themes and to predict potential future research directions.Method. This research adopts a descriptive quantitative approach. Data were collected from the Scopus database using the keyword “Green Economy” for the period 2015–2024, resulting in 200 relevant articles. The data were analyzed descriptively, processed with VOSviewer for bibliometric visualization, and reviewed through literature analysis to identify trends and patterns within the topic.Results. The findings show a significant annual increase in publications on the Green Economy from 2015 to 2024. The analysis using VOSviewer revealed a total of 700 citations related to this topic. Moreover, the bibliometric mapping indicated an expansion of research themes and identified several underexplored areas within the field of Green Economy.Conclusion. This study provides important insights into the development of Green Economy research. The findings help to identify well-researched areas as well as topics that have received limited attention, offering a foundation for future research in this evolving field

Analisis Kinerja Keuangan Pada PT. Sekar Bumi TBK Pendekatan Rasio Keuangan Fitria, Nita; Fitri, Maisa; Shabri, Husni; Shobirin, Khairulis
Jurnal Manajemen Bisnis Syariah Vol 5, No 1 (2025): Jurnal Manajemen Bisnis Syariah:MABIS
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/mabis.v5i1.15095

The purpose of this study was to analyze the financial performance of PT Sekar Bumi Tbk for the period 2019-2022. The type of research used is field research by taking data from the official website of the Indonesia Stock Exchange. The data collection technique of this research is documentation technique in the form of financial statements of PT Sekar Bumi Tbk. The data analysis technique uses financial ratio analysis. The results of this study are the financial performance of PT Sekar Bumi Tbk in 2019-2022 from the liquidity ratio seen from the company's current ratio in good condition. Quick ratio the company is in good condition. The company's cash ratio is also in good condition. The solvency ratio in 2019-2022, the company's financial performance shows good conditions. The solvency ratio on the debt to asset ratio, the company is in good condition. The company's debt to equity ratio is in good condition. The ratio of total assets to company debt is in good condition. The profitability ratio, the company's net profit margin is in good condition. The company's gross profit margin is in good condition. The company's operating profit margin is in good condition. Return on investment, the company is in good condition. The company's return on equity is in good condition. The activity ratio, the company's receivable turnover is in good condition. The company's inventory turnover is in good condition

Tingkat Kepatuhan Syariah Bank Pembiayaan Rakyat Syariah Berbasis Maqashid Syariah Shabri, Husni; Amalia, Euis
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 9 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v9i1.5631

Knowledge of shariah compliance in the sharia banking industry is still low. Shariah compliance is a special uniqueness that exists in sharia banking. The correct knowledge of shariah compliance has an important urgency in the operations of Islamic banks. The purpose of this study was to determine the level of sharia compliance of Islamic Rural Banks in Indonesia. The research method uses a quantitative descriptive approach. The data source of this research is secondary data. The data collection technique uses documentation in the form of annual reports of all Sharia Rural Banks (BPRS) which are the combined financial statements of BPRS in the Sharia Banking Statistics Report for September 2021 Otoritas Jasa Keuangan (OJK) with a total of 165 BPRS. The results show that the level of sharia compliance of Islamic Rural Banks (BPRS) as measured by the Maqashid Shariah Index (MSI) for a period of 10 years is still very low with an average index value of 0.32319 or 32.319%. Research findings reveal that the allocation of funds to aspects of education, research and training as well as the ratio of zakat to income is very relatively low, even information related to zakat payments until 2018 is non-existent or zero. The results of this study can be used as input for the management of Islamic Rural Banks (BPRS) special attention to the dimensions of which the index value is still very low

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