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All Journal AL-FALAH : Journal of Islamic Economics AL-FALAH : Journal of Islamic Economics Disclosure: Journal of Accounting and Finance IEB: Journal of Islamic Economics and Business
Sineba Arli Silvia, Sineba Arli
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Pengaruh Kualitas Aset Terhadap Profitabilitas Pada Perbankan Syariah Di Indonesia Silvia, Sineba Arli
AL-FALAH : Journal of Islamic Economics Vol 2, No 1 (2017)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v2i1.192

Abstract

The healthy bank is very important because they manage public’s funds that entrusted to them by measuring the asset quality of the bank. Asset quality is a very important component, due to poor asset quality has proven to be the cause of failure of the bank, despite the obvious cause not only liquidity or stock. This research aimed to analyze the effect of asset quality toward the profitability of Islamic Banking in Indonesia. This research examines the effect of the variable of quality of productive assets (KAP) and Non-Performing Financing (NPF) toward the Return on Assets (ROA). The population of this research is the general Islamic Banks (BUS ) from 2010 to 2015. This research uses purposive sampling to determining the sample. The sample used in this research is the general Islamic banks that publish annual reports on the period 2010-2015. With certain criteria, there is 8 BUS sample. The data research is secondary data obtained from the website of each bank. While the method of data analysis uses multiple linear regression analysis. The results of this research showed that the variables of KAP and NPF had the effect toward ROA amounted 18.1 percent, with the significance level of 0.050. KAP variable partially had positive and significant impact toward ROA of Islamic Banking in Indonesia (0.034
PENERAPAN EKONOMI DIGITAL DALAM MENINGKATKAN PENDAPATAN PELAKU UMKM KABUPATEN REJANG LEBONG: PENERAPAN EKONOMI DIGITAL DALAM MENINGKATKAN PENDAPATAN PELAKU UMKM KABUPATEN REJANG LEBONG Silvia, Sineba Arli; Soleha, Soleha
Journal Of Islamic Ekonomic and Business Vol 1 No 2 (2022): IEB: Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v1i2.13905

Abstract

The rapid development of technology in the digital era has driven changes in payment transactions. Payments currently no longer use cash in cash but use digital payments. This change is strongly driven because of the ongoing pandemic, so the presence of digital payment transactions is very helpful in increasing the income of micro, small and medium enterprises (MSMEs). QR code is a payment system that is used to facilitate transactions so as to increase the income of business people so they don't miss out. This study aims to determine the application of the digital economy of MSME business actors in Curup City. This type of research is a field research research. Data collection techniques using observation and interviews. The results of the study indicate that the application of the digital economy used by MSME business actors in Curup City has been running and growing rapidly. The existence of applications, websites, social media and others are very helpful and facilitate business activities. Some payment applications that we are familiar with are QR, Shopeepay, Ovo, Dana, Link Aja, Grab, Gojek and so on. The most widely used application is QR scan barcode. Many benefits are obtained not only for consumers, the benefits are also felt by MSME business people. The changes that are felt after using digital payment transactions are the most important, namely increasing income, making it easier to carry out promotions, reducing production costs, increasing sales, avoiding direct contact with money so as to reduce the spread of COVID-19.
Pengaruh Kualitas Aset Terhadap Profitabilitas Pada Perbankan Syariah Di Indonesia Silvia, Sineba Arli
AL-FALAH : Journal of Islamic Economics Vol. 2 No. 1 (2017)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v2i1.192

Abstract

The healthy bank is very important because they manage public’s funds that entrusted to them by measuring the asset quality of the bank. Asset quality is a very important component, due to poor asset quality has proven to be the cause of failure of the bank, despite the obvious cause not only liquidity or stock. This research aimed to analyze the effect of asset quality toward the profitability of Islamic Banking in Indonesia. This research examines the effect of the variable of quality of productive assets (KAP) and Non-Performing Financing (NPF) toward the Return on Assets (ROA). The population of this research is the general Islamic Banks (BUS ) from 2010 to 2015. This research uses purposive sampling to determining the sample. The sample used in this research is the general Islamic banks that publish annual reports on the period 2010-2015. With certain criteria, there is 8 BUS sample. The data research is secondary data obtained from the website of each bank. While the method of data analysis uses multiple linear regression analysis. The results of this research showed that the variables of KAP and NPF had the effect toward ROA amounted 18.1 percent, with the significance level of 0.050. KAP variable partially had positive and significant impact toward ROA of Islamic Banking in Indonesia (0.034
The Effect of Murabahah and Mudharabah Financing on Non Performing Financing (NPF) at Bank Syariah Indonesia Qodari, Amimah; Silvia, Sineba Arli
Disclosure: Journal of Accounting and Finance Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/disclosure.v2i1.4999

Abstract

This study aims to analyze the effect of murabahah and mudharabah financing on non-performing financing (NPF) of Bank Syariah Indonesia before and after the merger. This study examines the effect of murabahah and mudharabah financing variables on non-performing financing (NPF). The population used in this study are Islamic banks that have merged, namely BNI Syariah, BRI Syariah, and Bank Syariah Mandiri for the period 2017-2021. The sample used in this study is BSI which publishes an annual report in the 2017-2021 period. This research data is secondary data, which was obtained from the website of Bank Syariah Indonesia which became the research sample. While the data analysis method used is multiple linear regression analysis. The results of this study indicate that the murabahah and mudharabah financing variables have an influence on the NPF of 5.4% with a significance level of 0.532. Partially, the murabahah financing variable has an effect and is significant on the NPF of Indonesian Islamic Banks (0.915 > 0.050) and the mudharabah financing variable has a significant effect on the NPF of Indonesian Islamic Banks (0.304 > 0.050).
Penggunaan dan Pengungkapan Pendapatan Non Halal Pada Perbankan Syariah di Indonesia Soleha, Soleha; Silvia, Sineba Arli
Disclosure: Journal of Accounting and Finance Vol. 2 No. 2 (2022)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/disclosure.v2i2.5565

Abstract

Use and disclosure of non-halal income in Islamic banking in Indonesia to analyze the use and disclosure of non-halal income in the financial statements of Islamic banking in Indonesia. The purpose of this study is to find out whether Islamic banking in Indonesia has explained the use and disclosure of non-halal income. The research method used is a qualitative method with a descriptive approach. The data used is a type of secondary data. The secondary data referred to in this study was taken from the annual reports of Islamic Commercial Banks (BUS) in Indonesia for the 2020-2021 period which have been published on the official website of each bank that is a member of Islamic Commercial Banks (BUS). Meanwhile, the reports referred to in this study include non-halal income financial reports, both those that are an integral part of a report and those that stand alone. The population in this study is all Islamic Commercial Banks (BUS) in Indonesia for the 2020-2021 period. The results of the research show that in 2021 only Bank Aladin Syariah does not have non-halal sources of income. Meanwhile, for other banks, namely Bank Panin Dubai Syariah in 2020 and 2021, it does not explain the use and acquisition of non-halal income. Other banks such as Bank Bukopin Syariah, Bank Aceh Syariah, BTPN Syariah, BCA Syariah, BJB Syariah, and BSI have explained the source and use of benevolent funds in their financial reports.
Co-Authors Qodari, Amimah Soleha Soleha