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All Journal Jurnal EMT KITA SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah International Conference on Islamic Studies
Agustin, Shinta Dwi
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Pengeluaran Zakat Perbankan, Ukuran Perusahaan dan Islamic Social Responsibility (ISR)Terhadap Profitabilitas Pada Bank Umum Syariah di Indonesia Periode 2017-2022 Agustin, Shinta Dwi; Rosyidah, Norma
Jurnal EMT KITA Vol 8 No 1 (2024): JANUARY 2024
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v8i1.2085

Abstract

This research aims to investigate the impact of zakat expenditure by banks, company size, and Islamic social responsibility on profits. This research data was obtained from the annual financial report (Annual Report) of sharia commercial banks for the 2017-2022 period. The research method used is quantitative with data analysis using a multiple linear regression model. Hypothesis testing is carried out through partial tests (T test) and simultaneous tests (F test) with a significance level of 5%. Simultaneous test results show that bank zakat expenditure, company size, and ISR together have a positive and significant effect on profits. Partially, the bank zakat expenditure variable shows a positive and significant effect on profits, while company size and ISR do not have a significant effect on profits of sharia commercial banks. Testing each independent variable on the dependent variable shows that the zakat expenditure variable (X1) does not have a positive and significant effect on profit (Y). Company size (X2) has a partial effect on profit (Y) with a significant signature value. On the other hand, the ISR variable (X3) does not have a significant influence on profits (Y) in Islamic commercial banks in Indonesia.
ANALISIS PENGARUH CAPITAL ADEQUACY RATIO (CAR), RETURN ON ASSETS (ROA), NON PERFORMING LOAN (NPL), DAN INFLASI TERHADAP LOAN TO DEPOSIT RATIO (LDR): ANALISIS PENGARUH CAPITAL ADEQUACY RATIO (CAR), RETURN ON ASSETS (ROA), NON PERFORMING LOAN (NPL), DAN INFLASI TERHADAP LOAN TO DEPOSIT RATIO (LDR) Agustin, Shinta Dwi; Sjamsuddin, Achmad
International Conference on Islamic Studies Vol. 4 No. 2 (2023): December
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icois.v4i2.255

Abstract

This study aims to analyze the management of zakat, waqf and Islamic finance funds managed by Islamic banking. Where is the bank which is a place to collect funds from the community in the form of savings, then channeled back in the form of credit and others to the community. Provision of credit funds to the public can be measured through Loan To Deposit (LDR), where a ratio can indicate the ability of a bank to channel credit funds to third parties. Which can be carried out various tests in channeling bank funds to find out how the influence of CAR, NPL, ROA and inflation on LDR measurements. Then it can be seen from the results of LDR measurements that the form of distribution of CAR and NPL has a significant value to LDR. And then, for the measurement of ROA and inflation, it has no significant value to the LDR. Factors that influence the rise and fall of LDR may be due to the internal and external conditions of banking companies. Internal conditions can be reflected in the bank's financial indicators. The key indicators used in this study are CAR, ROA, NPL.
Analisis Faktor-Faktor yang Mempengaruhi Investasi Pengelolaan Dana Haji Agustin, Shinta Dwi; Rosyidah, Norma
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 1 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i1.410

Abstract

Pengelolaan dana haji diatur dalam Undang-Undang Nomor 34 Tahun 2014 tentang Pengelolaan Keuangan Haji (PKH), yang memberikan kepastian hukum terhadap tata kelola dana haji oleh Badan Pengelola Keuangan Haji (BPKH). Undang-undang ini menetapkan sistem serta manajemen dalam pengelolaan dana haji di Indonesia. Dana yang berasal dari jemaah haji Indonesia yang masih dalam daftar tunggu (waiting list) dimanfaatkan melalui investasi langsung maupun bentuk investasi lainnya, dengan ketentuan harus memenuhi prinsip syariah, prinsip kehati-hatian, memberikan nilai manfaat, serta sesuai dengan regulasi yang berlaku demi kemaslahatan umat. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi keputusan investasi dalam pengelolaan dana haji di Indonesia, dengan mempertimbangkan variabel eksternal seperti inflasi, harga emas, Financial to Deposit Ratio (FDR) perbankan syariah, deposito bank umum syariah (BUS), dan Jakarta Islamic Index (JII). Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder dan metode analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa secara simultan, variabel inflasi, harga emas, FDR, deposito BUS, dan JII berpengaruh signifikan terhadap investasi dana haji yang diukur melalui aset BPKH. Sedangkan X1, X2, dan X4 berpengaruh signifikan terhadap variabel Y karena nilai probabilitasnya < 0,10. X3 dan X5 tidak berpengaruh signifikan terhadap variabel Y karena nilai probabilitasnya > 0,10. Dengan demikian, hanya X1, X2, dan X4 yang secara parsial memiliki kontribusi signifikan dalam memengaruhi variabel Y.
Co-Authors Norma Rosyidah, Norma Sjamsuddin, Achmad