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Pengaruh Bargaining Power dan Kegiatan Usaha Nasabah terhadap Penentuan Nisbah Bagi Hasil Pembiayaan Mudharabah Bahmid I Magi; Herni Nuraeni; Yudhy Yudhy; Eni Nuraeni
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.v2i1.660

Abstract

This study aims to find out how the influence of bargaining power and customer business activities on determining the ratio of mudharabah financing profit sharing at Bank BSI KC Suniaraja Bandung both individually and simultaneously. The object of research used is mudharabah financing at Bank BSI KC Suniaraja Bandung. The type of research is associative quantitative with primary data types, while data collection techniques are in the form of observations, interviews, questionnaires and literature studies. The population is 113 mudharabah financing customers. The results showed that there was a significant influence of bargaining power on determining the profit sharing ratio of mudharabah mudharabah financing at Bank BSI KC Suniaraja Bandung where the results of the thitung test were > ttabel (8,330> 2,012), there was a significant influence of customer business activities on determining the ratio of sharing the mudharabah mudharabah financing at Bank BSI KC Suniaraja Bandung where the results of the thitung test were > ttabel (5,351>2,012), and simultaneously there is a significant influence between bargaining power and customer business activities on determining the profit sharing ratio of mudharabah financing at Bank BSI KC Suniaraja Bandung where the calculation result is > ftabel (10,873>3.18).
Analisis Kinerja Keuangan dengan Teknik Du Pont System di Kantor Pusat Bank Bjb Syariah Nur'aeni Nur'aeni; Eni Nuraeni; Widianingsih Dian Yulianti
Jurnal Dimamu Vol. 2 No. 2 (2023)
Publisher : Ma'soem University

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Abstract

The purpose of this study was to determine the financial performance of BJB Syariah Bank for the period 2017-2021 with the Du Pont System Technique. The object of research in this report is the Financial Statements of Bank BJB Syariah for the period 2017-2021. The type of research is descriptive quantitative with secondary data types and uses data collection techniques in the form of documentation and literature study. The results showed that the financial performance of BJB Syariah Bank for the period 2017-2021 with the Du Pont System technique at the ROI ratio, namely in 2017, 2018 and 2019 was 0.50% then decreased in 2020 by 0.45%. This is due to the decline in the NPM value in 2020, which is 68.40%, but the TATO value in 2020 has increased to 0.70 times. In 2021 ROI will get the same value as the previous year, which is 0.45%. This shows that the company is not good at generating profits but can maximize the turnover of its assets.