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All Journal Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Innovative: Journal Of Social Science Research Bina Bangsa International Journal of Business and Management
Sulaeman Jajuli, Sulaeman
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Public Health Other

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Analisis Pengaruh NIM, CAR, NPF, Dan DER Terhadap Profitabilitas (ROA) Pada Bank Umum Syariah (BUS) Periode 2017-2022 Yanti, Silvi; Suryani, Suryani; Jajuli, Sulaeman
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 8 No 1 (2024): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v8i1.1083

Abstract

The development of Islamic Commercial Banks is in line with the existing problems, in this observation it was found that there were several problems including 1. There were fluctuations in the value of Net Interest Margin from 2017-2022 at Islamic Commercial Banks. 2. There is a decrease in ROA in 2020 at Islamic Commercial Banks even though CAR has increased. 3. There was a decrease in ROA in 2020 at Islamic Commercial Banks while NPF decreased and there were ups and downs in the value of NPF for the 2017-2022 period. 4. DER which tends to be large from 2017-2021 can result in a decrease in ROA at Islamic Commercial Banks. The study aims to analyze the effect of NIM, CAR, NPF and DER on ROA at BUS for the period 2017-2022, with quantitative methods, 30 secondary data samples through BUS financial reports and time series and cross section (panel) regression analysis techniques that meet the requirements of several model tests, presented in the EViews 12 application. The results showed that NIM had an effect on ROA as evidenced by the results of the T test count greater than the T table (value 2.712288> 2.073873) with a significance value of 0.013 <0.05. Furthermore, CAR has an effect on ROA as evidenced by the results of the T test which is greater than the T table (value 4.432700>2.073873) with a significance value of 0.0003 <0.05. NPF also affects ROA as evidenced by the results of the T test which is greater than the T table (value 2.273027>2.073873) with a significance value of 0.0348 <0.05. On the other hand, DER has no effect on ROA as evidenced by the results of the T test which is smaller than the T table (value 0.643701>2.073873) with a significance value of 0.5275>0.05. In the F test together NIM, CAR, NPF and DER affect ROA by 53.46% with a probability value of 0.000780 <0.05.
KONSEP DAN PERMASALAHAN DALAM LEMBAGA PEMBIAYAAN SYARIAH Amin, Muhamad; Jajuli, Sulaeman
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Volume 5 Nomor 2 Januari 2024
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.44061

Abstract

Abstrak Pembiayaan adalah pendanaan yang diberikan pihak kedua dalam rangka membantu permodalan untuk mengembangkan usahanya. Dengan kata lain pembiayaan menjadi jembatan penghubung antara nasabah dan pihak penyedia modal dalam memberikan akses kredit kepada masyarakat. Disisi lain pembiayaan syariah mampu memberikan nilai-nilai kesepakatan dan tanpa paksaan dalam melakukan akad transaksi yang di inginkan. Tujuan penelitian ini untuk melihat sejauh mana konsep pembiayaan syariah diterapkan di masyarakat serta di implemntasikan oleh Lembaga pembiayaan syariah sebagai wujud aturan agama. Pada penelitian ini menggunakan metode penelitian kualitatif dengan Teknik wawancara secara mendalam kepada para nasabah Lembaga pembiayaan syariah dalam melihat sejauh mana penerapan akad-akad sesuai kesyariatan yang telah ditentukan sehingga sesuai dengan kaidah-kaidah dan konsep pembiayaan syaraiah yang sudah ada. Temuan peneliitaian ini adalah masih banyak nasabah tidak taat dan tidak ada kemauan dalam melunasi kewajiban pembayaran yang telah diberikan pihak penyedia modal sementara didalam tuntunan syariah nasabah wajib melunasi dan membayar sesuai kesepakatan atau akad yang telah di putuskan secara bersama-sama, juga masih ditemukan nasabah tidak sesuai dengan peruntukan yakni, dipakai untuk konsumsi padahal sudah jelas pembiayaan syariah ini meng cover mereka yang kekurangan modal usaha untuk dapat terbantu dari segi permodalan dalam mengembakan usaha. Kata Kunci: Konsep pembiayan syariah, permasalahan, kesesuaian. Abstract Financing is funding provided by a second party in order to assist with capital to develop the business. In other words, financing becomes a bridge between customers and capital providers in providing credit access to the public. On the other hand, sharia financing is able to provide agreed values and without coercion in carrying out the desired transaction agreement. The aim of this research is to see to what extent the concept of sharia financing is applied in society and implemented by sharia financing institutions as a form of religious rules. This research uses qualitative research methods with in-depth interview techniques with customers of sharia financing institutions to see the extent to which contracts are implemented in accordance with predetermined sharia law so that they are in accordance with existing sharia financing rules and concepts. The findings of this research are that there are still many customers who are disobedient and do not have the will to pay off the payment obligations that have been given by the capital provider, while according to sharia guidelines, customers are obliged to repay and pay according to the agreement or contract that has been decided jointly, it is also still found that customers do not according to its intended purpose, namely, it is used for consumption, even though it is clear that this sharia financing covers those who lack business capital to be helped in terms of capital in developing their business. Keywords: Sharia financing concept, application, suitability.
Profitability of Islamic Commercial Banks in the Perspective of the Covid-19 Pandemic Munawaroh, Rifa'atul; Suseno, Bambang Dwi; Jajuli, Sulaeman
Bina Bangsa International Journal of Business and Management Vol. 4 No. 1 (2024): Bina Bangsa International Journal of Business and Management
Publisher : LPPM Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/bbijbm.v4i1.81

Abstract

The purpose of this study is to investigate the profitability of Islamic commercial banks from the perspective of the Covid-19 pandemic. The population in this study are all managers who lead Shari'ah Commercial Banks in Banten Province. Data collection using a questionnaire. The unique data that was successfully collected and worthy of analysis was 30 respondents. After compiling the structure of the model equations, then data analysis uses Partial Least Squares (PLS) software version 3.3.5. The results of the investigation show (1) that the coefficient value of the effect of BOPO on profitability is 0.694, which means there is a positive influence and the T-Statistics value is 7.249. (2) Evidence of the following findings shows that the coefficient of the effect of BOPO on operating income is 0.694, which means there is a positive effect. (3) The coefficient value of the effect of BOPO on NOM is 0.750, which means there is a positive effect (4) In this study we cannot prove that operating income has an effect on ROA, where the coefficient is 0.077. (5) The coefficient value of the effect of NOM on profitability is 0.227, which means there is a positive influence and the T- Statistics value is 2.076. Thus this research can provide a new perspective that the operating expenses during the Covid-19 pandemic for Islamic commercial banks have taken up quite a proportion of financing to maintain the health of employees and comply with various health protocol regulations. Meanwhile, social restrictions significantly reduce people's use of Islamic commercial bank services and this directly significantly reduces operating income. The implication is that the financing burden of Islamic commercial banks can be contingently transformed to anticipate pandemic and disaster risks as well as the transition to digital services. Future research can re-examine the relationship between operating income and the profitability of Islamic commercial banks or Islamic financing institutions.
Kepemilikan Umum dalam Islam Jajuli, Sulaeman
Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Vol 48 No 2 (2014)
Publisher : UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ajish.v48i2.123

Abstract

Among the fundamental difference between the Islamic economic system by the capitalist and socialist economic system is the issue of ownership. In a capitalist economic system of individual ownership there is no limit so that everyone is given the freedom to have a variety of natural resources there is no view of public interest. While the Socialist economic system negates ownership for individuals so that all forms of production and sources of income become the property of the state or the entire community. How to ownership in Islam? Islam is a rule (role) that is consistent with human life and nature, so that ownership rights in Islam includes the right to private property, public and state. In other words, Islam adopts multype ownership (multiple ownership type). It is as a middle ground for people in possession of the problems they face. Humans would need something that can be used for personal interests, so there are some things that are needed by everyone so that the object should not be owned by individuals. In addition, some natural resources can not be owned by individuals or private, semisasl gold mine in an area, then the government has the right to own and manage it for the benefit of all citizens.
Studi Kelayakan Bisnis Usaha Olahan Nabati Laatansa Bakery Maziyah, Ilma; Jajuli, Sulaeman; Rujikartawi, Erdi
Innovative: Journal Of Social Science Research Vol. 4 No. 5 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i5.15216

Abstract

Penelitian ini berfokus pada analisis kelayakan Laatansa Bakery, sebuah bisnis yang mengkhususkan diri pada produk roti nabati. Industri roti di Indonesia berkembang pesat, didorong oleh tingginya permintaan konsumen terhadap produk roti yang semakin menjadi makanan pokok terutama di perkotaan. Studi kelayakan bisnis ini menilai Laatansa Bakery dari empat perspektif utama: manajemen pasar, sumber daya manusia, operasional, dan keuangan. Kajian tersebut bertujuan untuk mengetahui kelayakan dan potensi keberhasilan bisnis melalui analisis komprehensif dan perencanaan terstruktur. Hal ini juga menyoroti pendekatan inovatif toko roti, penggunaan media sosial untuk promosi, dan komitmen untuk menyediakan produk yang terjangkau dan berkualitas sambil menggabungkan nilai-nilai spiritual dan dukungan komunitas. Metode penelitian yang digunakan meliputi observasi lapangan, wawancara, dan dokumentasi, dengan menggunakan analisis data kualitatif dan kuantitatif.
Co-Authors Maziyah, Ilma Muhamad Amin Munawaroh, Rifa'atul Suryani Suryani Suseno, Bambang Dwi Yanti, Silvi