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All Journal MBIA Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah
Fauzuna Naufal Wijanarko
Universitas Diponegoro
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences

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Analysis of The Influence of Profit Sharing, Ijarah And NPF Financing On The Profitability of Sharia Business Units In Indonesia Fauzuna Naufal Wijanarko; Rini Dwi Susanti; Darlin Rizki
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 9 No 1 (2023): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v9i1.884

Abstract

Indonesian statistical data shows significant developments in the Islamic banking sector. This is evidenced by the increase in the number of 20 Islamic Commercial Banks (BUS) with an average asset of 478,831 billion and 13 Islamic Business Units (UUS) with an average asset of 255,943 billion. The purpose of this study was to determine the effect of profit sharing, ijarah funding and NPF on profitability (ROA) in Indonesian Islamic Business (UUS). Profit sharing and ijarah financing is a form of bank business to generate profits in accordance with sharia principles. NPF is bad credit that arises when bank funds are channeled, but can affect bank income. The data source for this research is secondary data in the form of UUS (Maybank Indonesia) financial reports for the 2017-2022 period using a quarterly model. The research method used is a quantitative approach using linear regression analysis techniques. The results of this study indicate that simultaneously profit-sharing financing, ijarah and NPF have a positive effect on ROA. Partial test results, profit sharing and ijarah financing have a significant effect on ROA, while NPF has no significant effect on ROA.
Peningkatan Pembangunan Ekonomi Untuk Kualitas Hidup Manusia Di Daerah Istimewa Yogyakarta Fauzuna Naufal Wijanarko; Rini Dwi Susanti
MBIA Vol 22 No 2 (2023): Management, Business, and Accounting (MBIA)
Publisher : Direktorat Riset dan Pengabdian kepada Masyarakat Universitas Bina Darma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33557/mbia.v22i2.2141

Abstract

This study aims to analyze economic development towards improving the quality of human life in the Special Region of Yogyakarta from 2013 to 2019. Theoretically, the Human Development Index (IPM) measures human resources and is used as a standard indicator of human welfare. The HDI indicator is based on the quality of health, education and people's purchasing power. An increase in the HDI value indicates that there has been an increase in human welfare and rate in an area. Human Development Index (IPM) is the dependent variable, while capital expenditure, poverty, Regional Minimum Wage (UMP), and Gross Regional Domestic Product (GRDP) are independent variables. The research approach uses a fixed effect model: panel data. Partial research results show that capital expenditure has a positive but not significant effect on HDI, while poverty has a negative and insignificant influence on HDI. In addition, UMP and GRDP have a significant positive impact on HDI. Simultaneously, poverty, capital expenditure, UMP and GRDP substantially influence the HDI in the Special Region of Yogyakarta. Keywords: Human Development Index, Poverty, Provincial Minimum Wage, Government Expenditure, Gross Regional Domestic Product. Abstrak Penelitian ini bertujuan menganalisis pembangunan ekonomi terhadap peningkatan kualitas hidup manusia di Daerah Istimewa Yogyakarta pada tahun 2013-2019. Secara teoritis, Indeks Pembangunan Manusia (IPM) merupakan metode pengukuran sumber daya manusia yang dijadikan standar indikator kesejahteraan manusia. Indikator IPM didasarkan pada kualitas kesehatan, pendidikan dan daya beli masyarakat. Meningkatnya nilai IPM menujukkan bahwa terjadi peningkatan kesejahteraan dan kualitas manusia di suatu wikayah. Indeks Pembangunan Manusia (IPM) sebagai variabel dependen, sedangkan belanja modal, kemiskinan, Upah Minimum Regional (UMP), Produk Domestik Regional Bruto (PDRB) sebagai variabel independen Pendekatan penelitian menggunakan fixed effect model yang bersifat data panel. Hasil penelitian secara partial menunjukan bahwa belanja modal berpengaruh positif tetapi tidak signifikan terhadap IPM, sedangkan kemiskinan berpengaruh negatif dan tidak signifikan terhadap IPM. Selain itu, UMP dan PDRB memiliki dampak positif yang signifikan terhadap IPM. Secara simultan, kemiskinan, belanja modal, UMP dan PDRB memiliki pengaruh signifikan terhadap IPM di Daerah Istimewa Yogyakarta. Kata Kunci: Indeks Pembangunan Manusia, Kemiskinan, Belanja Modal, Produk Domestik Regional Bruto, Upah Minimum Provinsi.
Co-Authors Rini Dwi Susanti Rini Dwi Susanti