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Pengaruh Inflasi, Bank Size, CAR, dan FDR terhadap Tingkat NPF Bank Victoria Syariah Tahun 2013-2021 dengan Pendekatan Robust Regression Lelis Nabila Falabibah; Rendra Erdkhadifa
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 2 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i2.18155

Non Performing Financing shows the level of problem financing in Islamic banks ranging from substandard to non-performing groups caused by bank external and internal factors. The purpose of this study was to determine the effect of external and internal bank factors on the NPF level of Bank Victoria Syariah. The research approach uses a quantitative approach and associative type of research to determine the relationship between inflation, bank size, CAR, and FDR variables on Bank Victoria Syariah's NPF. The sample in this study is Bank Victoria Syariah's quarterly financial reports for 2013 to 2021 including data on NPF, bank size, CAR, and FDR along with published data on Bank Indonesia's inflation from 2013-2021. The process of data analysis using a robust regression analysis-S estimation. The results of this research show that inflation, bank size, and CAR have an influence on NPF. The FDR variable shows no effect on the NPF level of Bank Victoria Syariah.

Factors Affecting Return on Assets at Bank Muamalat Indonesia in 2012-2021 Febriyanti, Ajeng; Rendra Erdkhadifa
Open Access Indonesia Journal of Social Sciences Vol. 5 No. 5 (2022): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Bank Muamalat has significantly decreased managerial profitability in the last six years compared to other Sharia Commercial Banks. Bank Muamalat of Indonesia experienced a decline in profitability that has no growth and continues to be restructured. Meanwhile, profitability is one of the benchmarks for the success of Sharia banking in managing its financial performance. The present study aims to analyze the simultaneous and partial effect of variables NPF, BOPO, CAR, FDR, and TPF on the ROA of Bank Muamalat of Indonesia. This study implements a quantitative method using quarterly data from Bank Mumalat of Indonesia for the period 2012-2021. The technique used to analyze the data were the multicollinearity test, multiple regression analysis tests, and classical assumption test. The results of this study indicate that there is a simultaneous influence between the variables NPF, BOPO, CAR, FDR, and TPF to ROA. NPF shows a positive and significant value to Bank Muamalat's ROA. BOPO has a negative and significant effect on the ROA of Bank Muamalat. Furthermore, CAR has a positive and significant effect on Bank Muamalat's ROA. FDR has a positive and significant effect on ROA. FDR in this study has the greatest influence over other variables with a t-count value of 3.922, which is smaller than t-table 2.030. While TPF in this study has no significant effect on the ROA of Bank Muamalat.

Factors Affecting Return on Assets at Bank Muamalat Indonesia in 2012-2021 Febriyanti, Ajeng; Rendra Erdkhadifa
Open Access Indonesia Journal of Social Sciences Vol. 5 No. 5 (2022): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/oaijss.v5i5.135

Bank Muamalat has significantly decreased managerial profitability in the last six years compared to other Sharia Commercial Banks. Bank Muamalat of Indonesia experienced a decline in profitability that has no growth and continues to be restructured. Meanwhile, profitability is one of the benchmarks for the success of Sharia banking in managing its financial performance. The present study aims to analyze the simultaneous and partial effect of variables NPF, BOPO, CAR, FDR, and TPF on the ROA of Bank Muamalat of Indonesia. This study implements a quantitative method using quarterly data from Bank Mumalat of Indonesia for the period 2012-2021. The technique used to analyze the data were the multicollinearity test, multiple regression analysis tests, and classical assumption test. The results of this study indicate that there is a simultaneous influence between the variables NPF, BOPO, CAR, FDR, and TPF to ROA. NPF shows a positive and significant value to Bank Muamalat's ROA. BOPO has a negative and significant effect on the ROA of Bank Muamalat. Furthermore, CAR has a positive and significant effect on Bank Muamalat's ROA. FDR has a positive and significant effect on ROA. FDR in this study has the greatest influence over other variables with a t-count value of 3.922, which is smaller than t-table 2.030. While TPF in this study has no significant effect on the ROA of Bank Muamalat.

Pengaruh Return on Assets, Return on Equity, Net Profit Margin, Dan Debt to Equity Ratio Terhadap Pertumbuhan Laba Pada Perusahaan Manufaktur Yang Terdaftar Di BEI Tahun 2017-2021 Fitri Umuni’matin Nada; Rendra Erdkhadifa
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 2 No. 1 (2024): 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.v2i1.811

This research aims to determine the effect of Return on Assets, Return on Equity, Net Profit Margin, Debt to Equity on profit growth in manufacturing companies listed on the BEI in 2017-2021. This research method uses an associative quantitative approach. The sampling technique used was purposive sampling, resulting in 14 manufacturing companies listed on the IDX from 2017 to 2021 as the research sample. The data that has been collected is then tested using Eviews, using several tests which include, panel regression sample selection test, descriptive statistical test, partial test, multicollinearity test, panel regression goodness test, simultaneous test, classic assumption test which includes normality test & heteroscedasticity test. The results of this test determine that the variables Return on Assets, Return on Equity, Net Profit Margin, Debt to Equity have a positive & significant impact on profit growth in manufacturing agencies recorded on the IDX in 2017-2021

MACROECONOMIC STABILITY ON ISLAMIC ECONOMIC PERSPECTIVE: TOWARDS EQUITABLE AND SUSTAINABLE ECONOMIC GROWTH Risdiana Himmati; Citra Mulya Sari; Lativa Hartiningtyas; Rendra Erdkhadifa
Journal of Management and Islamic Finance Vol. 4 No. 2 (2024): Journal of Management and Islamic Finance
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jmif.v4i2.10003

This study aims to determine macroeconomic stability in the perspective of Islamic economics towards equitable and sustainable economic growth. In this context, Islamic economics emphasizes justice, equal distribution of income, and prevention of practice usury. Policy government such using of zakat and policy in appropriate monetary with Islamic principles can help reach stability of economics. The method in this study uses literature study approach. The main purpose to reach in this study is significantly important for evaluating economics policy related to growth fair economy. The analysis shows that from perspective Islamic economics, stability macroeconomics will be evaluated and improved by policy supporting economics investment, equal distribution of income, and growth of sustainable economy.

Analyzing What Drives Consumers to Buy: An SEM–PLS Study at Onde-Onde Bo Liem Empunala Mojokerto Prastika, Alifah Septa; Rendra Erdkhadifa; Mubarak, Reza
Mabny: Journal of Sharia Management and Business Vol. 5 No. 2 (2025): Mabny : Journal of Sharia Management and Business
Publisher : Faculty of Islamic Economics and Business, Madura Islamic State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/mabny.v5i2.18237

This study is based on the efforts that need to be made by a business in maintaining its existence amidst business competition with similar products and services offered to the market. This condition requires business actors to identify and understand current market needs. Therefore, an entrepreneur needs to study consumer behavior patterns. Based on this, efforts are needed to organize strategies so that the business owned can develop, one of which is by analyzing factors that can contribute to consumer purchasing decisions for goods or services. This study applies quantitative methods and associative research types with a sampling technique, namely quota sampling where the number of samples is 100 respondents. The data analysis technique used is Structural Equation Modeling - Partial Least Square. Referring to the results of the analysis carried out, it shows that in the Onde-onde Bo Empunala business, the factors that contribute significantly to the purchasing decision process are the quality of the products owned and brand image, while the service and location factors do not contribute significantly.

Pengaruh Modal Kerja dan Biaya Operasional Terhadap Laba Bersih PT Matahari Putra Prima, Tbk Andarsita, Nila; Rendra Erdkhadifa
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i4.1035

This study was motivated by the decline in the company's net profit value at PT Matahari Putra Prima Tbk. One of the causes of the decline in the company's net profit is the high costs incurred by the company. Increased net profit plays an important role in the prosperity of the company and investors. If the net profit value generated by the company has good performance, it will be glimpsed by investors as an initial consideration in choosing a company that will be given investment. Therefore, researchers raised the issue of the effect of working capital and operating costs on net income. This research uses a quantitative approach with a descriptive type. The data used in this study is secondary data, the data source is obtained from the quarterly financial statements of PT Matahari Putra Prima Tbk from the period March 2015-December 2022. The sample of this study amounted to 32 samples of quarterly financial statements. The data analysis technique used is multiple linear regression analysis. The results showed that working capital has a positive relationship and partially has a significant effect on net income. Meanwhile, operating costs have a negative relationship and partially have a significant effect on net income.

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