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All Journal IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam JURNAL PENDIDIKAN IPS
Sanurdi Sanurdi
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Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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The Efffect of Financial Ratio on Profitability with NOM and GWM as Moderating Factors of Banking Financial Ratios ( Study at NTB Syariah Bank) AZHAR SHAFIIN AZHAR SHAFIIN; Ahmad Amir Aziz; Sanurdi Sanurdi
IQTISHADUNA Vol. 14 No. 1 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v14i1.6780

Abstract

Profitability ratio is the main ratio in measuring the achievement of banking performance.Profitability ratio is influenced by several other ratios such as CAR, FDR, BOPO and NPF. Thisstudy examines and analyzes the effect of Capital Adequacy Ratio (CAR), Financing to DepositRatio (FDR), Operating Expenses to Operating Income (BOPO) and Non Performing Financing(NPF) on the profitability of PT Bank NTB Syariah with NOM (Net Operating Margin) andMinimum Reserve Requirement (GWM) as moderating. This research is a quantitative study thatwants to reveal the effect of financial ratios on profitability. The data used is the publication reportdata of PT Bank NTB Syariah for the period 2019 to 2021. The data analysis technique in thisstudy used Partial Least Square (PLS). The results showed that CAR, BOPO, NPF had nosignificant and negative effect on ROA as indicated by the P value of 0.212, 0.505 and 0.360respectively, while FDR had a significant and positive effect on ROA as indicated by a P value of0.000. For moderator variables, namely GWM and NOM, both have no significant effect inmoderating the FDR and BOPO variables, indicated by the P value of 0.988 and 0.589,respectively.
The The Role of Islamic Financial Institutions in Women's Economic Empowerment Ayu Karisma; Mohamad Abdun Nasir; Sanurdi Sanurdi
JURNAL PENDIDIKAN IPS Vol 15 No 2 (2025): JURNAL PENDIDIKAN IPS
Publisher : STKIP Taman Siswa Bima

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Abstract

Women's economic empowerment still faces various challenges, especially in developing countries and Muslim communities. Islamic financial institutions (IFIs) offer a promising alternative with sharia principles that prohibit usury and emphasize profit-sharing and partnership systems. This study aims to explore the role of IFIs in supporting women's economic empowerment by providing access to sharia-based financing such as murabahah and musyarakah, business training and mentoring, group savings systems, and financial protection products such as takaful. The methodology used is a descriptive qualitative approach with data collection through in-depth interviews and literature studies. Data analysis was conducted to identify the contribution of IFIs to increasing the economic capacity of women, especially micro, small, and medium enterprises (MSMEs). The results of the study indicate that IFIs have significant potential in supporting women's economic independence, which has an impact on improving family welfare and strengthening the economic structure of society. This study also found opportunities for IFIs development through financial product innovation that is responsive to women's needs and the use of technology to expand the reach of services. In conclusion, efforts to empower women's economy through IFIs need to continue to be developed strategically in order to realize inclusive and sustainable economic development.
Co-Authors Ahmad Amir Aziz Ayu Karisma AZHAR SHAFIIN AZHAR SHAFIIN Mohamad Abdun Nasir