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All Journal Ikonomika : Jurnal Ekonomi dan Bisnis Islam JIKA: Jurnal Ilmu Keuangan dan Perbankan JURNAL EKONOMI SYARIAH
Lubis, M Zaky Mubarak
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Economics, Econometrics & Finance

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Trend Analysis of Profitability Ratio of Indonesian Sharia Bank Using Semi Average Method Husna, Hidayatul; Lubis, M Zaky Mubarak; Binti Mohamad, Zam Zuriyati
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol 13 No 2: June 2024
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v13i2.12959

Abstract

One of the key ratios in a bank that is essential is the profitability ratio. This ratio, which can be explained by ROA, ROE, and NIM, is related to the bank's profitability. Customers will use a strong profitability value as a point of comparison. Based on data from 2016–2023 taken from the annual report, this study was carried out in Bank Muamalat and employed a trend analysis to see the development of profitability ratios at Bank Muamalat in 2024–2026. Semi-average analytical approach for trend analysis. The analysis revealed that Bank Muamalat's general trends decreased in all three ratios. This may serve as a reminder to the management to adopt policies that are appropriate for the business. However, Bank Muamalat customers can also utilize these results as a guide to make future financial decisions.
Trend Analysis Of Net Profit at Sharia Bank LUBIS, M ZAKY MUBARAK
JURNAL EKONOMI SYARIAH Vol 9, No 2 (2024): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v9i2.12700

Abstract

Introduction to The Problem: During the Covid-19 period, the financial world experienced obstacles in achieving net profit, including Islamic banks. How is the current net profit trend of Islamic banks seen from various trend analysis methods.Purpose/Objective Study: To determine the trend of Bank Muamalat's net profit using linear, quadratic and exponential trend methods.Design/Methodology/Approach: This paper uses a descriptive method with a quantitative approach.Findings: The research findings show that there is a downward trend in net Profit from Bank Muamalat in all three trend analysis methods and the quadratic trend method is the most accurate method with the largest R Square value compared to the linear trend and exponential trend.Paper Type: Research Article  
Bankruptcy Prediction Analysis using Altman Z-Score, Springate, and Zmijewski Methods Regita, Regita; Lubis, M Zaky Mubarak; Dewi, Novia Citra; Mohamad, Zam Zuriyati
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 1: December 2024
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v14i1.14031

Abstract

This study aims to predict the bankruptcy of retail companies listed on the Indonesia Stock Exchange for the period 2020-2022 using the Altman Z-Score, Springate, and Zmijewski methods, and test for significant differences between the prediction results of the three methods. The selection of retail companies is up due to sales fluctuations and downward trends during the period 2020-2022. This study uses a quantitative approach with the Kruskal-Wallis test assisted by SPSS 22 software. The research sample was selected through a purposive sampling method so that 35 companies were obtained. The results find that there were companies experiencing bankruptcy for three consecutive years according to the three methods. The data obtained is not normally distributed and heterogeneous so it uses the Kruskal-Wallis Test. The results of the Kruskal Wallis Test show a significant value, meaning that there is a significant difference between the bankruptcy prediction results of the three methods. This is due to differences in financial ratios and bankruptcy criteria used in each method. Bankruptcy Prediction; Altman Z-Score; Springate; Zmijewski; Retail Company
Impact of Corporate Social Responsibility Funds From PT. Telkom Indonesia on MSMEs Development in Padang City: an Islamic Economic Perspective Wira, Ahmad; Desya, Finasmi; Lubis, M Zaky Mubarak; Subagio, Mukhamad Hadi Musolin; Augusna, Wahyuni Lely
IKONOMIKA Vol 7, No 1 (2022)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v7i1.13802

Abstract

Micro, small, and medium enterprises (MSMEs) often borrow additional funds from third parties to develop their business, for example, corporate social responsibility (CSR) funds from state-owned companies such as PT. Telkom Indonesia (hereafter referred to as Telkom). This quantitative study aimed to ascertain the impact of CSR funds from Telkom on the development of MSMEs, especially those in the trade sector, in Padang City from an Islamic economic perspective. The data used in this study are primary data obtained through questionnaires filled by 52 MSMEs in the trade sector in Padang City, and secondary data, obtained from official documents from the Central Statistics Agency. Sampling and determination of the number of samples were achieved using a random sampling technique. The data analysis technique in this study used descriptive statistical analysis and inferential statistics through an analytical tool, namely, the Wilcoxon test. The results revealed a positive and significant impact on the CSR program of Telkom in developing MSMEs in the trade sector in Padang City from the perspective of Islamic economics. This positive and significant impact is evident in the changes in the income of MSMEs in the trade sector in Padang City, which increased by around 1–3 million rupiah after receiving CSR funds from Telkom since 2016. From the perspective of Islamic economics, the implementers of Telkom’s CSR fund program in the MSME trade sector in Padang City have adopted the basic principles of Islamic economic development, namely, the principles of responsibility and justice.
Co-Authors Ahmad Wira, Ahmad Augusna, Wahyuni Lely Binti Mohamad, Zam Zuriyati Desya, Finasmi DEWI, NOVIA CITRA Husna, Hidayatul Mohamad, Zam Zuriyati Regita, Regita Subagio, Mukhamad Hadi Musolin