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All Journal El-Usrah: Jurnal Hukum Keluarga Edutourism : Journal Of Tourism Reseach Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah JIHBIZ :Global Journal of Islamic Banking and Finance. Jurnal Investasi Islam JIFTECH: Journal Of Islamic Financial Technology Journal Information & Computer (JICOM) Seuraya Jurnal Pengabdian Kepada Masyarakat
Muhammad, Alfian
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Religion Arts Humanities Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Transformation of Bank Aceh's Financial Performance: A Comparative Analysis Before and After Sharia Conversion Muhammad, Alfian; Mastura, Mastura; Hafizah, Syarfina
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 1 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v7i1.28901

Abstract

This study aims to analyze and compare the financial performance of PT Bank Aceh Syariah before and after conversion in 2016, with a research time span from 2009 to 2023. The research method uses a quantitative descriptive approach with financial ratio analysis, namely LDR / FDR, NPL / NPF, ROA, ROE, NIM / NOM, and BOPO. Data were taken from Bank Aceh's quarterly financial statements and analyzed using the Paired Sample t-Test test with the help of Minitab 19 software. The results showed that the conversion had a mixed impact on financial performance. LDR/FDR and NPL/NPF ratios increased, while ROA, ROE, NIM/NOM, and BOPO ratios decreased. These findings indicate that changes in the banking system can have both positive and negative effects, depending on the implementation strategy and external economic conditions. Based on these findings, Bank Aceh Syariah should implement periodic evaluations of the conversion results, strengthen flexible risk management, and improve operational efficiency. This policy is expected to improve long-term financial performance by taking into account market dynamics and changing economic conditions.ABSTRAKPenelitian ini bertujuan menganalisis dan membandingkan kinerja keuangan PT. Bank Aceh Syariah sebelum dan sesudah konversi pada tahun 2016, dengan rentang waktu penelitian dari tahun 2009 hingga 2023. Metode penelitian menggunakan pendekatan deskriptif kuantitatif dengan analisis rasio keuangan, yaitu LDR/FDR, NPL/NPF, ROA, ROE, NIM/NOM, dan BOPO. Data diambil dari laporan keuangan triwulanan Bank Aceh dan dianalisis menggunakan uji Paired Sample t-Test dengan bantuan perangkat lunak Minitab 19. Hasil penelitian menunjukkan bahwa konversi memberikan dampak beragam terhadap kinerja keuangan. Rasio LDR/FDR dan NPL/NPF mengalami peningkatan, sementara rasio ROA, ROE, NIM/NOM, dan BOPO menunjukkan penurunan. Temuan ini mengindikasikan bahwa perubahan sistem perbankan dapat memberikan pengaruh positif maupun negatif, bergantung pada strategi implementasi dan kondisi ekonomi eksternal. Berdasarkan temuan tersebut, Bank Aceh Syariah perlu menerapkan evaluasi berkala terhadap hasil konversi, memperkuat manajemen risiko yang fleksibel, serta meningkatkan efisiensi operasional. Kebijakan ini diharapkan dapat memperbaiki kinerja keuangan jangka panjang dengan memperhatikan dinamika pasar dan kondisi ekonomi yang terus berubah.
Empowerment of Natural Resources and the Environment as a Livelihood for Rural Communities Muhammad, Alfian; Muhammad Amin; Safwan Kamal; Zubir; Safwandi; Zefri Maulana
SEURAYA Jurnal Pengabdian Kepada Masyarakat Vol 1 No 2 (2023): SEURAYA Jurnal Pengabdian kepada Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

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Abstract

The aim of this service is to examine community empowerment efforts in optimizing the potential of natural resources and the environment as a source of livelihood, as well as exploring the role of women in the production process and management of natural resources and the environment as a livelihood for rural communities. The location of this service is in Afdeling II Bukit Village, Birem Bayeun District, East Aceh Regency. The problems that occur in Afdeling II Bukit Village are the lack of community awareness of the importance of diversifying livelihoods to reduce dependence on a single sector, the lack of innovation in the production of local products that can provide added value and contribute to the competitiveness of the local economy, and then, the lack of concern for resource conservation. nature and the environment in achieving sustainable and inclusive development in Afdeling II Bukit Village. Support from the government and various parties is highly expected to continue to encourage and develop initiatives to achieve better progress for the community and environment of Afdeling II Bukit Village.
Co-Authors Fahriansah Hafizah, Syarfina Kautsar, Muhammad Haris M Yahya M. Yahya Mastura, Mastura Muhammad Amin Munadiati, Munadiati N. Nurjanah Nurwijayanti Pramono Prasetya T.W, Chandra PUTRI WULANDARI Reza Fauzi Sabda, Aulya Safarida, Nanda Safwan Kamal Safwandi Zefri Maulana ZUBIR