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Analisis Penerapan Sistem Bagi Hasil Akad Mudharabah terhadap Pembiayaan pada BSI dan Bank BTPN Syariah Siska Julian; Nana Diana
Jurnal Ilmiah Wahana Pendidikan Vol 9 No 4 (2023): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (222.445 KB) | DOI: 10.5281/zenodo.7684337

Abstract

Profit sharing is the distribution of the results of operations that have been carried out by the parties to the agreement, namely the customer and the Islamic bank. In this case there are two parties entering into a business agreement, the results of the operations carried out by both parties will be divided according to the portion of each party that has entered into the contract agreement. The purpose of this research is to find out the profit-sharing system for sharia loans in Islamic banking and to find out the benefits of sharia loans. This type of research is a qualitative descriptive research. The data collection techniques used include observation, documentation and interviews. Based on the results of the study, it was concluded that the application of profit sharing for sharia mudharabah contracts by one of the sharia banks, namely Bank BTPN Syariah, uses the profit sharing method because it is more directly used in mudharabah financing. The comparison with other banks is the percentage of profit sharing at the time of entering into a Mudharabah contract agreement. Btpn syariah is a revenue sharing method (revenue sharing) because revenue sharing is considered more beneficial which refers to fatwa no. 15/DSN-MUI/IX/2000. While BSI uses the profit sharing method, both use a financing contract with the mudharabah wal murabahah principle, every month the customer pays installments or installments and the results are shared according to mutually agreed terms.
PENGARUH PERSEDIAAN, INVESTMENT OPPORTUNITY SET DAN KURS VALUTA ASING TERHADAP RETURN SAHAM Siska Julian; Syamsul Huda
Edunomic : Jurnal Ilmiah Pendidikan Ekonomi Fakultas Keguruan dan Ilmu Pendidikan Vol 11 No 2 (2023): EDISI SEPTEMBER
Publisher : FKIP Unswagati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33603/ejpe.v11i2.17

Abstract

This study aims to determine and describe the effect of inventory, investment opportunity set and foreign exchange rates.The population in this study includes all automotive and component sub-sector companies listed on the Indonesian Stock Exchange for the 2018-2021 period. Determination of the sample used in this study as a representative form of the population using a purposive sampling technique. The use of data analysis techniques in this study is descriptive and verification analysis. The selected sample data in this study were then tested using a multiple linear regression analysis model.The results of the research that has been done inform that inventory has no effect on stock returns. investment opportunity set has a significant effect on stock returns.foreign exchange rates have no effect on stock returns inventory, investment opportunity set and foreign exchange rates simultaneously have no significant effect on stock returns. The result of testing the analysis of the coefficient of determination is that the value of the coefficient of determination (Adjusted R Square) This value informs that changes in inventory, investment opportunity sets and foreign exchange rates affect changes in stock returns by 13.80% influenced by other variables outside this study.