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All Journal Islamic Tourism Imara: Jurnal Riset Ekonomi Islam Jurnal Manajemen Bisnis Syariah
Novia Nengsih
Universitas Islam Negeri Mahmud Yunus Batusangkar
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences Transportation

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INFLUENCE OF MURABAHAH RECEIVABLES, MUSYARAKAH FINANCING, AND LEASE FINANCING ON PROFITABILITY OF BANK ACEH SYARIAH Novia Nengsih; Rizal Rizal; Yeni Melia
Imara: JURNAL RISET EKONOMI ISLAM Vol 7, No 1 (2023): IMARA:JURNAL RISET EKONOMI ISLAM
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v7i1.9046

Abstract

Background. The profitability in Islamic bank is influenced by murabahah receivables, musyarakah financing and lease financing. Therefore, it is essencial to analysis profitability in PT. Bank Aceh. Effectiveness of oral corrective feedback (OCF) in language learning is influenced by learners’ comprehension and response to various OCF techniques. Therefore, it is essential for teachers to consider learners’ preferences for OCF strategies.Purpose. This research aims to analyze the influence of Murabahah, Musyarakah, and Lease Receivables on the profitability of Bank Aceh Syariah.The population of this study is Islamic Banks in Indonesia in 2012-2017 are 13 BUS.Method. The data was analyzed using multiple linear regression analysis, path analysis, and sobel test. This research is a field study with a quantitative approach. The data used in this study is secondary data in the form of Financial Statements quarter 2017 to November 2020 registered with the Financial Services Authority (OJK). This type of research data is panel data that are analyzed using descriptive statistics, classical assumptions, and multiple linear regressions.Results. The results showed that there was no effect of murabahah receivables on the profitability of PT. Bank Aceh with a significance of 0.938, with alpha (α) 0.05 or 5%.  The effect of musyarakah financing on profitability in PT. Bank Aceh with the significance of 0.010 with alpha (α) 0.05 or 5%. The absence of the effect of lease / ijarah on profitability in PT. Bank Aceh with the significance of 0.082, with alpha (α) 0.05 or 5%. There is a significant influence between murabahah receivables, musyarakah financing, and simultaneous lease financing on the profitability of PT. Bank Aceh period 2017-2020 is 26% while the remaining 74% is determined or influenced by other variables that are not included in this study.Conclusion. This study has significant implications for assessing profitability in Islamic bank bg using murabahah receivables, musyarakah financing and lease financing.
Analisis Faktor yang Mempengaruhi Minat Berkunjung Ulang Wisatawan ke Objek Wisata Istano Basa Pagaruyung Wewel Putri Yani; Febria Rahim; Novia Nengsih; Harry Yulianda; Vinny Helvira
i-Tourism: Jurnal Pariwisata Syariah Vol. 5 No. 2 (2025): I-Tourism : Jurnal Pariwisata Syariah
Publisher : UIN Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/itourism.v5i2.15998

Abstract

The main issue in this study is based on visitation data showing a decline in the number of tourists to the Istano Basa Pagaruyung tourist attraction in 2023–2024. In addition, aspects of tourist attraction, facilities, and accessibility are not yet optimal, which has the potential to reduce tourists' interest in revisiting. This study aims to determine and analyze the effect of tourist attraction (X1), facilities (X2), and accessibility (X3) on the interest in revisiting (Y) the Istano Basa Pagaruyung tourist attraction. The method used in this study is quantitative. The sampling technique used purposive sampling with a sample size of 97 people. The data collection technique in this study was conducted by filling out a questionnaire that had been tested for validity and reliability. The data analysis technique used was multiple linear regression analysis. The results of hypothesis testing show that, partially, tourist attraction has a significant positive effect on repeat visit interest with a t-value of 8.847 > t-table of 1.661 with a significance value of 0.000 < 0.05, so that hypothesis H1 can be accepted. Facilities do not affect repeat visit interest, with a t-value of 1.925 > t-table of 1.661 and a significance value of 0.057 > 0.05, so hypothesis H2 is rejected. Accessibility has a significant positive effect on repeat visit interest with a t-value of 3.485 > t-table of 1.661 with a significance value of 0.001 < 0.05, so hypothesis H3 can be accepted. The variables of tourist attraction, facilities, and accessibility simultaneously have a positive effect on repeat visit interest with a calculated F value of 130.080 > F table 2.70 and a significance of 0.000 < 0.05, so hypothesis H4 can be accepted.
Analisis Manajemen Risiko Pada Usaha Mikro Kecil Dan Menengah NR Advertising Kota Solok Novia Nengsih; Abdul Rauf; Abel Oktavia; Ade Andela Puspita; Sonia
MABIS Jurnal Manajemen Bisnis Syariah Vol. 5 No. 2 (2025): Jurnal Manajemen Bisnis Syariah:MABIS
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/mabis.v5i2.16045

Abstract

This study aims to identify and analyze operational risks faced by NR Advertising and to formulate appropriate risk management strategies tailored to the characteristics of micro, small, and medium enterprises (MSMEs). A qualitative approach was employed using data collection techniques including in-depth interviews and direct observation. The findings identify ten types of risks, which are classified into six main categories: production and design, marketing and services, finance, procurement and logistics, general management, and technology and systems. Each risk was assessed based on its likelihood and potential impact, and subsequently mapped into a risk matrix consisting of low, medium, and high risk levels. The results indicate that three risks fall into the low-risk category, two into the medium-risk category, and five into the high-risk category requiring priority attention. This risk mapping serves as the basis for determining appropriate risk management strategies, including risk avoidance, transfer, mitigation, acceptance, exploitation, sharing, and enhancement. This study is expected to serve as a reference for MSMEs in implementing systematic and sustainable risk management practices.
Co-Authors Abdul Rauf Abel Oktavia Ade Andela Puspita Febria Rahim Harry Yulianda Rizal Rizal Sonia Vinny Helvira Wewel Putri Yani Yeni Melia