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All Journal Imara: Jurnal Riset Ekonomi Islam
Oumar Tidiane Doumbouya
Kullyyah of Economics and Management Sciences IIUM
Religion Economics, Econometrics & Finance Environmental Science

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ANALISIS PENGARUH PRODUK GADAI EMAS (RAHN EMAS) TERHADAP PENINGKATAN FEE BASED INCOME (FBI) PADA PT. BANK SYARIAH MANDIRI Ismaulina Ismaulina; Oumar Tidiane Doumbouya
Imara: JURNAL RISET EKONOMI ISLAM Vol 4, No 2 (2020): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v4i2.2248

Abstract

Fee Based Income is the income that keeps the company from decreasing the net interest margin (NIM). The amount of profit obtained by the bank as well as being efficient and effective in managing company finances, shows a good bank financial performance. One of the products of PT. BSM that provides Fee Based Income is Gold Pawn (rahn) services provided by banks to customers. This research uses quantitative data. Data obtained from the monthly financial statements of gold pawn products and FBI at PT. Bank Syariah Mandiri period January 2017 - December 2019. This study uses a simple linear regression method. Regression analysis shows that the effect of gold rahn on fee based income is significant where t count (3.826)> t table (2.03) and a significance of 0.001 <0.05 so that Ho is rejected and Ha is accepted. It can be concluded that the Gold Rahn variable has a significant effect on FBI. This happens because the total gold Rahn fee received by Bank Syariah Mandiri makes a significant contribution to the bank's profit rate.
THE EFFECT OF ISLAMIC SERVICE QUALITY, PERCEIVED EASE AND RISK ON INTEREST IN USING BRI SYARIAH MOBILE BANKING WITH TRUST AS AN INTERVENING VARIABLE ΈCASE STUDY OF MAGELANG CITY COMMUNITYΉ Muhammad Irfan Tolabi; Abdul Aziz; Oumar Tidiane Doumbouya
Imara: JURNAL RISET EKONOMI ISLAM Vol 5, No 2 (2021): IMARA:JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v5i2.2936

Abstract

The Effect of Islamic Service Quality, Perceived Ease and Risk on Interest in Using BRI Syariah Mobile Banking with Trust as an Intervening Variable (Case Study of Magelang City Community). The purpose of this study was to determine and analyze the effect of Islamic Service Quality (X1) Perceived Easiness (X2) Risk (X3) on Interest in Using Mobile Banking (Y) with Trust as an Intervening Variable (Case Study of Magelang City Community). The method used to collect data by distributing questionnaires to the people of Magelang City. The sample used in this study were 101 respondents with a purposive sampling technique. Then the data obtained were processed with SPSS Version 23. The analysis used in this study included instrument tests, statistical tests, classical assumption tests, and path analysis.Based on the results of the t test, it shows that Islamic service quality has a positive and significant effect on public interest, perceived convenience has a positive and insignificant effect on public interest, risk has a positive and insignificant effect on community interest, Islamic service quality has a positive and significant effect on public trust, perceived convenience has a positive and significant effect on public trust, risk has a positive and insignificant effect on public trust, trust has a positive and significant effect on public interest, trust is able to mediate Islamic service quality positively and significantly on public interest, trust is able to mediate perceived ease of interest community positively and significantly, trust is able to positively and significantly mediate the risk to public interest
BANKRUPTCY PREDICTION ANALYSIS OF MANUFACTURING COMPANIES CONSUMER GOODS INDUSTRY SECTOR USING ALTMAN Z-SCORE METHOD DURING THE COVID-19 PANDEMIC Nita Fitria; Helmalia Putri; Khoirulis Shabirin; Oumar Tidiane Doumbouya
Imara: JURNAL RISET EKONOMI ISLAM Vol 6, No 1 (2022): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v6i1.5681

Abstract

The main problem in this thesis is that during the Covid-19 pandemic in 2020 the company experienced a decline in sales and company profits also decreased and some even experienced losses, and the company's total debt increased, this led to the factors that led to the company's bankruptcy. The purpose of this study was to determine the prediction of company bankruptcy before the pandemic and during the pandemic using the first Altman Z-Score model. The type of research used is descriptive research. The research method used is quantitative. Data collection techniques through documentation in the form of financial reports of eleven companies engaged in the Consumer Goods Industry Sector listed on the IDX for the 2017-2020 period through the official website www.idx.co.id. The data analysis technique used the first model Altman Z-Score method. The results of research that have been conducted on eleven companies engaged in the Consumer Goods Industrial Sector listed on the IDX in the 2017-2020 period, namely the period before the pandemic and during the Covid-19 pandemic using the Almant Z-Score method, obtained the following results: First, companies that are not affected by the pandemic are PT. HM Sampoerna Tbk and PT. Bantoel International Investama Tbk, and PT Sariguna Primatirta Tbk. Second, the companies affected by the pandemic are PT. Kino Indonesia Tbk, PT. Akasha Wira International Tbk, PT. Campina Ice Cream Industri Tbk, PT. Prima Cakrawala Abadi Tbk. Third, for other companies, namely PT. Merck Tbk, PT. Martina Berto Tbk, PT. FKS Food Sejahtera Tbk, and PT. Kedaung Indah Can Tbk was in a dangerous zone in the period before the pandemic and during the pandemic
Co-Authors Abdul Aziz Helmalia Putri Ismaulina, Ismaulina Khoirulis Shabirin Muhammad Irfan Tolabi Nita Fitria