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All Journal Innovative: Journal Of Social Science Research Journal of Creative Power and Ambition (JCPA)
Asep Nursiwan
STAI Siliwangi Garut
Humanities Computer Science & IT Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Public Health 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.
The Influence of Public Perception on Interest in Using Financing at Sharia Banks Dedeng Sehabudin; Asep Nursiwan; Dea Permanasari; Keuis Hera Susanti
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 02 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jcpa.2061

Abstract

This study aims to analyze the influence of public perception on the interest in using financing services from Sharia banks in Salawu Village. A quantitative approach was employed, with data collected via questionnaires and analyzed using IBM SPSS Statistics 25 software. A saturated sampling technique was used, meaning the entire population served as the sample. The study involved 46 respondents from Salawu Village who had previously used or were currently using Sharia bank financing. Data analysis included validity testing, reliability testing, classical assumption testing, simple linear regression analysis, and hypothesis testing. The results indicate that public perception has a positive and significant influence on the interest in using Sharia bank financing. The coefficient of determination (0.598) reveals that public perception explains 59.8% of the variation in interest regarding Sharia bank financing, while the remaining 40.2% is influenced by factors outside the scope of this study, such as service quality, religiosity levels, promotion, public knowledge, trust, and economic conditions. These findings suggest that improving public perception of Sharia banks can foster greater public interest in utilizing their financing products.
Co-Authors Dea Permanasari Dedeng Sehabudin Keuis Hera Susanti Nurfaedah Nurfaedah Rita Nurjanah