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PENGARUH NOM, CAR, NPF NETT DAN FDR TERHADAP KINERJA KEUANGAN PADA BCA SYARIAH PERIODE 2013-2022: THE INFLUENCE OF NOM, CAR, NPF NETT AND FDR ON FINANCIAL PERFORMANCE IN BCA SYARIAH FOR THE PERIOD 2013-2022 Aris, Riyanti A; Eki Tiyas Nurulia; Noorikha Pandayahesti Saputeri
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 4 No 1 (2024): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v4i1.1105

This study aims to analyze the effect of NOM, CAR NPF NETT and FDR on financial performance at BCA Syariah for the period 2013-2022. Bank financial performance is a description of the financial condition over a certain period of time including aspects of fund collection and distribution to evaluate bank financial performance using various variables. This description is usually presented in the annual financial report. This study uses a descriptive quantitative approach method with secondary data analysis, namely research that uses numerical/numerical data. which is obtained in the annual financial report that has been published by BCA Syariah. By using descriptive statistical techniques, classical assumptions, multiple regression hypothesis testing, coefficient of determination. Partial test and normality test Based on the simultaneous test of the F test that has been carried out, the regression coefficient F count is 463.657 F table of 2.47 so that H0 is rejected and Ha is accepted with a significance of 0.000 0.05 (which has been set), it can be concluded that simultaneously there is a significant effect between the independent variables NOM, CAR, NPF NETT and FDR on financial performance (ROA). partial research results: NOM has a significant effect on financial performance or ROA, CAR has no effect on financial performance or ROA. NPF NETT shows an effect on financial performance or ROA, FDR has no effect on financial performance or ROA.

Risk Mitigation of Murabahah Financing for Teacher Certification at BPRS Metro Madani KCWest Garlic Bones Mega, Mega Karlina Agustin; Noorikha Pandayahesti Saputeri; Warsiyah
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 1 (2024)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v6i1.246.32-52

Murabahah financing for teacher certification is a form of financing based on sharia principles in order to help teachers to obtain certification as part of increasing their professional competence. This research journal aims to find out how risk management is implemented in murabahah financing for teacher certification (Sergu) and how banks try to deal with bad customer financing. The object of this research is PT. BPR Syariah Metro Madani KC Tulang Bawang Barat. The method used isqualitative approach, type of field research (Field Research). The results of this research arerisk control at PT. BPR Syariah Metro Madani KC Tulang Bawang Barat has been managed well and in accordance with Standard Operating Procedures (SOP), which includes risk identification, risk measurement, risk monitoring and risk control.Customers duplicate teacher certification, bank (payroll accounts), late disbursement of certification funds from the government, teachers or customers are fired from their jobs while the financing process is still pending, or the government revokes certification funds.Implementation of risk management at PT. BPR Syariah Metro Madani KC Tulang Bawang Barat has been carried out by PT. BPR Syariah Metro Madani KC Tulang Bawang Barat starting from the implementation of market risk handling, credit risk and operational risk has been implemented in accordance with the handling program procedures implemented by the bank, it has been implemented in accordance with the risks that arise, the target to be achieved in handling financing risk management has been achieved.

The effect of Islamic Financial Literacy and religiosity on the interest of saving Generation Z in Islamic banks Husnul Khotimah; Noorikha Pandayahesti Saputeri; warsiyah
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 1 (2024)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v6i1.247.71-86

The growth of savings interest in generation z is inseparable from the influence of social media. The growth of interest in saving gen z at Islamic banks is inseparable from a good social media marketing strategy. The purpose of this study is to determine how sharia financial knowledge and religiosity influence the decision of University of Muhammadiyah Lampung students to save at Islamic banks. In this study, interest in saving as the dependent variable, and Islamic financial literacy and religiosity as the dependent variable. This research using a quantitative approach. The population in this study were Students of the Faculty of Islamic Religion at Muhammadiyah Lampung University class 2020-2023. The primary data used came from a questionnaire with a total of 100 respondents. The sampling technique used non-probability sampling technique. The analysis technique in the study used multiple regression analysis analysis and processed using spss. The results showed Fcount is greater than Ftable, namely 38.743 smaller than 2.669 and Ho is accepted. This shows that sharia financial literacy (X1) and religiosity (X2) affect the interest in saving (Y) simultaneously.

PENGARUH CAR DAN NPF GROSS TERHADAP ROA PADA BANK MEGA SYARIAH PERIODE 2015-2023: INCREASING CUSTOMER SATISFACTION IN THE ISLAMIC BOARDING SCHOOL BUSINESS FIELD THROUGH SERVICE QUALITY AND PRICES Pratama, M Rizqi; Noorikha Pandayahesti Saputeri; Eki Tiyas Nurulia
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 4 No 2 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v4i2.1234

This sturdy aims to analyzer ther erfferct of Capital Aderquracy Ratio and Non Perrforming Financer gross on Rerturrn On Assert at Bank Merga Syariah for ther perriod 2015-2023. Ther banking indurstry in Indonersia is growing overr timer, with increrasing purblic awarernerss of ther importancer of financial transactions with sharia principlers. Bank Merga Syariah is oner of ther banks that continurers to erxperrierncer growth. To asserss ther financial perrformancer of a bank, rerserarcherrs urser serverral indicators that can ber urserd as merdia to condurct rerserarch, inclurding bank financial rerports. This sturdy ursers a derscriptiver qurantitativer rerserarch merthod, namerly ther analysis of nurmerrical or nurmerric data by analyzing sercondary data obtainerd from ther annural financial rerports purblisherd by Bank Merga Syariah. with derscriptiver statistical terst data analysis terchniqurers, normality tersts, murlticollinerarity tersts, herterroscerdasticity tersts, aurtocorrerlation tersts, murltipler rergrerssion tersts, derterrmination tersts, simurltanerours tersts and partial tersts. Baserd on ther terst that has berern condurcterd, ther rerserarch rersurlts obtainerd, ther Capital Aderquracy Ratio variabler has a partial positiver erfferct on Rerturrn On Assert, ther Non Perrforming Financer Gross variabler has no erfferct on Rerturrn On Assert and ther Capital Aderquracy Ratio and Non Perrforming Financer Gross variablers haver a simurltanerours erfferct on Rerturrn On Assert and with ther rersurlts of ther derterrmination coerfficiernt terst showing 77.9% it can ber conclurderd that ther derperndernt variabler can ber erxplainerd togertherr by two inderperndernt variablers whiler ther otherr 22.1% is erxplainerd by otherr financial ratios ourtsider of this rerserarch moderl.

IMPLEMENTASI PEMBIAYAAN BTPN SYARIAH TERHADAP PERKEMBANGAN UMKM DI KRUI LAMPUNG: IMPLEMENTATION OF BTPN SYARIAH FINANCING ON THE DEVELOPMENT OF UMKM IN KRUI LAMPUNG Henda Alpajar; Warsiyah; Noorikha Pandayahesti Saputeri; Eki Tiyas Nurulia
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 4 No 2 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v4i2.1261

Micro, Small, and Medium Enterprises (MSMEs) have a strategic role in the Indonesian economy, especially in the Krui Lampung area. However, MSMEs often face capital constraints that hinder their development. BTPN Syariah is present as one of the Islamic financial institutions that focuses on financing the micro segment. This study aims to analyze the implementation of BTPN Syariah financing, measure its impact on the development of MSMEs, and identify obstacles and solutions in the implementation of financing in Krui Lampung. This study uses a descriptive qualitative method with data collection techniques through in-depth interviews, observations, and documentation. Research informant 3 officials of BTPN Syariah Krui. The data was analyzed using data reduction techniques, data presentation, and conclusion drawn. The results of the study show that the implementation of BTPN Syariah financing in Krui Lampung uses murabahah and wakalah contracts with a group system. This financing program has contributed positively to the development of MSMEs, marked by an increase in average business capital of 45%, turnover growth of 35%, and business expansion in 60% of financing customers. The main obstacles faced include limited service coverage, low understanding of sharia products, and the risk of default due to fluctuations in MSME income. The study concluded that BTPN Syariah financing plays an effective role in supporting the development of MSMEs in Krui Lampung, although there are still several challenges in its implementation. It is necessary to increase Islamic financial literacy, expand the range of services, and strengthen business assistance to optimize the impact of financing on the progress of MSMEs in the region

PENGARUH RETORIKA SALES MARKETING INVESTASI EMAS BANK SYARIAH TERHADAP MINAT BERINVESTASI MAHASISWA UNIVERSITAS MUHAMMADIYAH LAMPUNG: THE INFLUENCE OF SALES MARKETING RHETORIC OF SYARIAH BANK GOLD INVESTMENT ON THE INVESTMENT INTEREST OF STUDENTS OF MUHAMMADIYAH UNIVERSITY OF LAMPUNG Eva Intan Komalasari, Murni Lestari; Noorikha Pandayahesti Saputeri; Warsiyah; Eki Tiyas Nurulia
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 4 No 2 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v4i2.1285

Gold investment is one of the popular investments and is widely offered today, because the value of gold is stable and zero inflation, and the price of gold tends to increase. Islamic banks are one of the providers of gold investment programs with an installment system using the murabahah contract (buy and sell), but there are still many people including Generation Z who do not believe that gold investment in Islamic banks does not contain usury elements, so sales marketing who work in the sales sector must have good rhetoric so that the information can be conveyed and can be trusted. The purpose of this study is to determine how the rhetoric of sales marketing of Islamic bank gold investment affects the investment interest of students at the University of Muhammadiyah Lampung. The approach in this study is quantitative descriptive and verification, data is obtained through the distribution of questionnaires targeted at students at the University of Muhammadiyah Lampung who have received information about gold investment in Islamic banks, and to process the data the tool used is SPSS version. The results of this study indicate that there is an influence of 64.5% of the rhetoric variable (X) on the interest variable (Y), as well as the results of the t-test also state that the rhetoric variable has a simultaneous (significant) influence on the interest variable, and it can be concluded that Ha is accepted and H0 is rejected or there is an influence of the rhetoric variable (X) on the interest variable (Y), meaning that the rhetoric of sales marketing of Islamic bank gold investment is one of the things that influence the investment interest of students at the University of Muhammadiyah Lampung.

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