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All Journal EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam
Binti Nur Asiyah
Universitas Islam Negeri (UIN) Sayyid Ali Rahmatullah Tulungagung, Indonesia
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Factors Affecting the Risk Non-Performing Sharia Commercial Bank Financing Nurhadi Syaifudin Zuhri; Binti Nur Asiyah
EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam (e-Journal) Vol. 10 No. 2 (2023): EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam
Publisher : Study Program Ekonomi Syari'ah, Sekolah Tinggi Agama Islam Muhammadiyah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54956/eksyar.v10i2.427

Abstract

This study aims to examine and analyze the influence of internal and external factors on the risk of problem financing in Islamic commercial banks in Indonesia. This research uses a quantitative type. Data comes from the Financial Services Authority (OJK) and Bank Indonesia for the 2015-2022. The data were first tested using the classical assumption test, which included the normality test, multicollinearity test, and autocorrelation test and then analyzed using multiple linear regression analysis. The Robust Least Squares method is used in multiple linear regression analysis to overcome the problem of heteroscedasticity. The results show that the internal factors that are taken into account are the efficiency ratio (BOPO), capital adequacy ratio (CAR) and financing-to-savings ratio (FDR). At the same time, the external factor that is taken into account is the inflation rate. Based on the results of testing the hypothesis using the z test, it is concluded that only CAR and FDR significantly contribute to problem financing. In contrast, efficiency and inflation do not significantly affect problem financing in Islamic Commercial Banks in Indonesia.  
the Consistent and Integrated Management of Zakat in Promoting the Independence and Welfare of Mustahiq Ririk Damayanti; Agus Eko Sujianto; Binti Nur Asiyah
EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam (e-Journal) Vol. 10 No. 1 (2023): EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam
Publisher : Study Program Ekonomi Syari'ah, Sekolah Tinggi Agama Islam Muhammadiyah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54956/eksyar.v10i1.437

Abstract

This research is motivated by the successful management of zakat depending on the process of managing zakat. The importance of this research is carried out because there is a potential gap, and acceptance is one of the things that reflects the room for improvement that needs to be done by Zakat institutions to increase the independence and welfare of mustahiq. This study uses a qualitative approach. Data collection techniques used are interviews, Observation and documentation. The data analysis technique used is data condensation, data presentation and conclusion/verification. The results of his research 1) Consistency of Zakat Management based on the Organizational Health Index to Encourage Mustahiq's Independence and Welfare at BAZNAS Trenggalek seen from activity, operations, liquidity, and growth. The integration of zakat management places BAZNAS as the coordinator, namely a) BAZNAS oversees the integration and synergy process from the management and sharia compatibility sides. b) regulated in the provisions of articles 6 and 7 of Law No. 23 of 2011. c) Implementing the vision of BAZNAS Trenggalek 2) The independence and welfare of mustahiq for consistency and integration of Zakat Management based on the Organizational Health Index at BAZNAS Trenggalek, which is carried out through the form of zakat distribution for the independence and welfare of mustahiq for the consistency and integration of Zakat Management based on the Organizational Health Index on BAZNAS Trenggalek is carried out by a wasteful form and effective form.
Co-Authors Agus Eko Sujianto Nurhadi Syaifudin Zuhri Ririk Damayanti