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Moderation of non-performing financing on the effect of buying and selling financing on return on assets empirical study on Islamic banking in Indonesia in 2015-2020 Jajuli Jajuli; Imam Sofi'i; Didit Haryadi
International Journal of Applied Finance and Business Studies Vol. 11 No. 2 (2023): September : Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i2.124

Abstract

Banking is an institution that has an essential role in driving the economy. This research aims to develop a research model to overcome business phenomena and the research gap between buying and selling financing and the Return on Assets ratio with the non-performing financing ratio as a moderating variable. The method used by the author in this research is a quantitative descriptive method with an associative approach. The population in this study was 13 Islamic banks listed on the Indonesia Stock Exchange. The sample in this research is 9 Islamic banking companies according to research variables regarding public financial reports for 2015-2020. The sampling technique using purposive sampling was used. Data analysis techniques using regression and path analysis use the moderating regression analysis test. The research results show that buying and selling financing significantly affects Return On Assets, non-performing funding significantly impacts return on assets, and non-performing financing can moderate and strengthen the influence of buying and financing of sale on return on assets. The author hopes this research can provide a theoretical contribution to this context's financial management and banking literature.
Pengaruh Pendapatan Kontribusi, Klaim, Dan Hasil Investasi Terhadap Pertumbuhan Aset Perusahaan Pt Asuransi Allianz Life Unit Syariah Jajuli, Jajuli; Monica Sari
KRAKATAU (Indonesian of Multidisciplinary Journals) Vol. 2 No. 2 (2024): Agustus
Publisher : Desanta Publisher

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Abstract

The need for insurance services is increasingly felt by both individuals and businesses in Indonesia. Insurance is a financial means in managing household life both in the face of basic risks such as the risk of death or the risk of property owned. Research Problem Formulation: 1) How does the contribution affect the assets of PT Asuransi Allianz Life Indonesia Sharia Unit in 2014 – 2020? 2) How does the claim affect the assets of the company PT Asuransi Allianz Life Indonesia Sharia Unit in 2014 – 2020? 3) How does the investment return affect the assets of the PT Asuransi Allianz Life Indonesia Sharia Unit in 2014 – 2020? 4) How do Contributions, Claims, and Investment Returns simultaneously affect the Growth of Company Assets at PT Asuransi Allianz Life Indonesia Sharia Unit in 2014 – 2020?. The objectives of this study are: 1) To determine the effect of Contribution opinion on Company Assets of PT Asuransi Allianz Life Indonesia Sharia Unit in 2014 – 2020. 2) To determine the effect of Claims on Company Assets of PT Asuransi Allianz Life Indonesia Sharia Unit in 2014 – 2020. 3) To determine the effect of Investment Return on Company Assets of PT Asuransi Allianz Life Indonesia Sharia Unit in 2014 – 2020.4) To simultaneously determine the effect of Contribution, Claim, and Investment Return on Asset Growth of PT Asuransi Allianz Life Indonesia Sharia Unit in 2014 – 2020. The method used used in this research is quantitative research method, with descriptive analysis. This descriptive study is intended to provide an overview and explain the state of the company which is illustrated through the Financial Statements and Annual Reports. The results of this study are: 1) The results of hypothesis testing of contribution variables have a significant effect on assets. This can be seen from the t-test or partial test performed, the results of the study indicate that the value of t > t (2.058 > 1.708) thus H1 is accepted or it can be concluded that the independent variable partially has a significant effect on the dependent variable. 2) The results of hypothesis testing claim variables have a significant effect on assets. This can be seen from the t-test or partial test conducted, the results of the study indicate that the value of t > t (5.030 > 1.708) thus H2 is accepted or it can be concluded that the independent variable partially has a significant effect on the dependent variable. 3) The results of the hypothesis testing of the Investment Return variable have a significant effect on assets. This can be seen from the t-test or partial test performed, the results of the study indicate that the value of t > t (3.453 > 1.708) thus H3 is accepted or it can be concluded that the independent variable partially has a significant effect on the dependent variable. 4) The results of hypothesis testing Contribution, Claim, and Investment Return variables have a significant effect on Assets. This can be seen from the f-test or simultaneous test, the results show that the value of f > f (8.519 > 2.760) thus H4 is accepted or it can be concluded that the independent variables together have a significant effect on the dependent variable.
Strategi Membangun Loyalitas Nasabah Bank Syariah Di Kota Serang Sari, Monica; Jajuli, Jajuli; Alfarizi, Abdul Wahid
Jurnal Ilmu Multidisiplin Vol. 3 No. 1 (2025): Jurnal Ilmu Multidisiplin
Publisher : Jurnal Ilmu Multidisiplin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53935/jim.v3.i1.21

Abstract

Penelitian ini bertujuan untuk menguji hubungan antara kualitas pelayanan dan kepuasan nasabah sebagai bentuk strategi dalam membangun dan menciptakan loyalitas nasabah bank syariah. Metode penelitian yang digunakan yaitu kuantitatif melalui pendekatan PLS-SEM. Penelitian ini dilakukan pada nasabah bank syariah dengan sampel yang digunakan sebanyak 100 responden. Hasil penelitian ini membuktikan bahwa strategi yang dapat digunakan membangun loyalitas nasabah bank syariah yaitu dengan meningkatkan kualitas pelayanan dan kepuasan nasabah. Dimana kualitas pelayanan dapat mempengaruhi loyalitas nasabah dan kepuasan nasabah secara positif dan signifikan, demikian pula kepuasan nasabah dapat mempengaruhi loyalitas nasabah, lebih dari itu, kepuasan nasabah dapat menjadi mediasi antara kualitas layanan dalam menciptakan dan membangun loyalitas nasabah.