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All Journal E-JRM Maslahah: Jurnal Manajemen dan Ekonomi Syariah
Lika Handayani
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS PERBANKAN PADA BANK UMUM GO PUBLIC YANG TERDAFTAR DI BURSA EFEK INDONESIA (BEI) PERIODE TAHUN 2015-2017 Lika Handayani; Ronny Malavia Mardani; M. Khoirul ABS
E-JRM : Elektronik Jurnal Riset Manajemen eJrm Vol. 08 No. 10 Agustus2019
Publisher : UNIVERSITAS ISLAM MALANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (797.317 KB)

Abstract

ABSTRACTBanks are financial institutions whose business activities are to raise funds from the publicand redistribute the funds to the community and provide other bank services. Profitability as one of the references in measuring the amount of profit becomes so important to know whether the company has run its business efficiently. The purpose of this study is to find out the factors that affect the profitability of banks at commercial banks going public. The population in this study were 43 banks listed on the Stock Exchange. The sample in this study were 31 banks. The data analysis used in this study is multiple linear regression analysis. The results of multiple linear regression analysis are NIM and BOPO have a positive and significant effect on ROA, LDR and CAR has a not significant positive effect on ROA, NPL has a significant negative effect on ROA.keywords: ROA, NIM, BOPO, CAR, LDR, dan NPL.
Peran Ijarah dalam Meningkatkan Akses Pembiayaan Mikro Syariah Lika Handayani; Miti Yarmunida; Nenan Julir
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 1 (2025): Januari : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v3i1.1855

Abstract

Sharia Micro Enterprises are one of the main pillars of the national economy. Micro businesses must receive protection as a form of government support for the community. However, there are several obstacles for people in developing their businesses, one of which is capital. The aim of this research is to facilitate access for micro business actors to finance with ijarah contracts. namely an alternative solution to a source of financing for Micro Businesses that is easily accessible, especially for the Indonesian people who are predominantly Muslim, namely financing with an ijarah agreement. The problem discussed in this research is what is the role of the ijarah contract in increasing access to sharia micro financing. It can be seen that the ijarah contract plays a very important role in supporting business development for micro business actors and providing easy access to financing services so that it can help the development of business actors. The method used in this research is a qualitative descriptive research method. The data sources used in this research are secondary and primary data. The data collection technique used in this research is literature study. . The results of this research are that the ijarah contract plays a very important role in the development of sharia micro businesses. The Al-Qur'an and Hadith also emphasize that the good practice of the ijarah contract is very easy and provides easy access for business actors to carry out financing for the development of a business, besides that it also aims to support implementation of national development in order to increase the distribution of social welfare. Therefore, for the Indonesian people who are predominantly Muslim, the ijarah contract is an alternative source of financing and easy access in developing their business in accordance with Islamic law.
Co-Authors ABS, M Khoirul Nenan Julir Ronny Malavia Mardani Yarmunida, Miti