Siti Alifah Handayani
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PENGARUH PEMBIAYAAN MUDHARABAH, MURABAHAH DAN MUSYARAKAH TERHADAP ROA DENGAN NPF SEBAGAI VARIABEL MODERASI PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2016-2020 meisha fatma wijaya; Siti Alifah Handayani; Tessalonika Federova Br Simanjuntak; Hasyim .
Jurnal Ilmiah Wahana Pendidikan Vol 9 No 11 (2023): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.8088371

Abstract

The purpose of this study is to determine the effect of Islamic commercial banks financing mudharabah, murabahah, and musyarakah in Indonesia on ROA from 2016 to 2020. This quantitative research uses secondary data from financial reports published in OJK for the period 2016-2020. The study population consisted of five Islamic Commercial Banks with a total sample of 25. In this study, descriptive statistical tests and panel data regression models were used as data analysis techniques, also Eviews software version 12 was used to analyse the data. The study revealed that mudharabah, murabahah, and musyarakah financing all had an insignificant influence. Through the use of NPF as a moderating variable, murabahah, musyarakah, and mudharabah financing have a significant effect on the ROA variable.
THE INFLUENCE OF LIFE EXPECTANCY, AVERAGE LENGTH OF SCHOOL AND EXPECTATION OF LENGTH OF SCHOOL ON HUMAN DEVELOPMENT INDEX IN BINJAI CITY Siti Alifah Handayani; Lubis, Nasrullah Hidayat; Dhea Amanda; Syarifah; Muhammad Bagas Ardhana; Tiara Posma Udur Hutapea
Quantitative Economics Journal Vol. 13 No. 2 (2024): OKTOBER 2024
Publisher : Universitas Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24114/qej.v13i2.65262

Abstract

This research aims to analyze the influence of life expectancy, average length of schooling, and expected length of schooling on the Human Development Index (HDI) in Binjai City, Indonesia. Using a quantitative approach and secondary data from the Central Statistics Agency (BPS) for the period 2010 to 2023, regression analysis shows that these three variables have a significant influence on HDI, with an Adjusted R Square of 0.995, which means 99.5% of the variation in HDI can be explained by these variables. the. The F test results showed a significant regression model (F = 865.744, Sig. = 0.000), while the t test confirmed that life expectancy (t = 6,139), average years of schooling (t = 8,478), and expected years of schooling (t = 6,254) contributes positively to HDI. These findings emphasize the importance of health and education in improving people's quality of life. This research recommends increasing access to education and health services as a strategic step to increase HDI and community welfare in Binjai City. It is hoped that the research results can become a reference for policy makers in designing effective programs for human development in the region