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All Journal al-Afkar, Journal For Islamic Studies Innovative: Journal Of Social Science Research
Rita Nurjanah
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Humanities Computer Science & IT Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analisis Komparatif Standar Rasio Keuangan Tingkat Kesehatan Bank Terhadap Pembiayaan Produktif dan Pembiayaan Konsumtif Rita Nurjanah; Asep Nursiwan; Nurfaedah Nurfaedah
Innovative: Journal Of Social Science Research Vol. 3 No. 2 (2023): Innovative: Journal Of Social Science Research (Special Issue)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v3i2.1254

Abstract

Penelitian ini bertujuan untuk menganalisis perbandingan tingkat keuntungan pembiayaan produktif dan pembiayaan konsumtif dengan menggunakan analisis rasio Return on Assets (ROA), Return on Equity (ROE) dan matematika perbandingan di KBMT Amanah Syar’iyyah. Penelitian ini bersifat deskriptif dengan pendekatan kualitatif. Obyek dalam penelitian ini adalah laporan keuangan KBMT Amanah Syar’iyyah. Data yang diperoleh melalui dokumentasi laporan keuangan dan wawancara langsung dengan bendahara KBMT. Metode pengolahan data yang digunakan adalah metode analisis komparatif tingkat Profitabilitas ROA dan ROE (Return onAasset dan Return on Equity) pembiayaan produktif dan konsumtif dengan menggunakan rumus matematika perbandingan. Dari hasil analisa perbandingan modal dan keuntungan antara pembiayaan produktif dengan pembiayaan konsumtif dapat disimpulkan bahwa pembiayaan produktif lebih menguntungkan bila dibandingkan dengan pembiayaan konsumtif. Meskipun keuntungan yang dihasilkan dari pembiayaan konsumtif lebih besar, tapi modal yang dikeluarkan terhadap pembiayaan konsumtif 4 kali lebih besar bila dibandingkan dengan pembiayaan produktif. Kata Kunci: KBMT, ROA, ROE, pembiayaan.
Financing Education in the Development of the Islamic Education System Rita Nurjanah; Hasan Basri; Nurhayati, Nurhayati; Siti Romlah
al-Afkar, Journal For Islamic Studies Vol. 8 No. 4 (2025)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v8i4.1742

Abstract

This research aims to identify a legal basis, sources, components and challenges in the management of Islamic education financing, and offer solutions to these problems. The method used is a qualitative approach to analyze related issues and produce strategic recommendations to improve the effectiveness of Islamic values-based education programs. The results show that the legal basis of Islamic education financing is based on the National Education System Law No 20 of 2003 and Minister of National Education Regulation No 69 of 2009. The financing components include investment, operational and personal costs. Challenges in management include limited funding sources, high education costs, and lack of transparency and accountability. To overcome these issues, the researchers recommend diversifying sources of financing, improving accountability and developing a financing plan. The findings are expected to make a significant contribution to Islamic education policy in Indonesia and serve as a reference for educational institutions in designing more effective financing strategies.
Co-Authors Asep Nursiwan Hasan Basri Nurfaedah Nurfaedah Nurhayati Nurhayati Siti Romlah