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All Journal JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN Jurnal Teknik Industri Terintegrasi (JUTIN) International Journal of Economics (IJEC)
Abral, Edi
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Industrial & Manufacturing Engineering Mechanical Engineering Social Sciences

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Profitability and Financing Analysis at Sharia Bank in Indonesia Abral, Edi
International Journal of Economics (IJEC) Vol. 2 No. 2 (2023): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v2i2.762

Abstract

This research aims to determine the influence of Capital Adequacy, Financing Problems and Asset Quality on the Profitability of Sharia Banks in Indonesia. To determine the number of samples, a purposive sampling technique was used. The data used is secondary data, panels in quarters. Data was obtained from the Financial Services Authority/OJK for the period March 2018 to December 2020. Panel Data Regression analysis techniques with Fixed Effect Models were used to analyze the influence of independent variables on the dependent variable. The results of this research indicate that Capital Adequacy, Problem Financing and Asset Quality simultaneously have a significant effect on profitability. Meanwhile, partial testing shows that the Capital Adequacy and Asset Quality variables do not have a significant effect on profitability. The problematic financing variable has a significant negative effect on profitability. This requires efforts to reduce problematic financing so that efforts to increase the profitability of Islamic banks can be carried out in the future
The impact of social assistance and capital expenditure on poverty levels in Aceh Province Putri, Rizka Putri; Abral, Edi; Amri, Mustika
Jurnal Teknik Industri Terintegrasi (JUTIN) Vol. 8 No. 1 (2025): January
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jutin.v8i1.40258

Abstract

This study aims to analyze the impact of social assistance and capital expenditure on poverty levels in Aceh Province from 2006 to 2023. The research employs a quantitative method using secondary data from the Statistics Indonesia (BPS) Aceh website and the Ministry of Finance’s DJPK website. Multiple linear regression analysis is used to examine the relationship between the independent variables (Social Assistance and Capital Expenditure) and the dependent variable (poverty levels). The results indicate that social assistance has no significant partial effect on poverty reduction, while capital expenditure has a significant impact. However, simultaneously, these variables do not exert a strong enough influence to reduce poverty jointly. Based on these findings, it is recommended that the government prioritize capital expenditure as an effective strategy to reduce poverty in Aceh, while also evaluating and enhancing social assistance programs for better impact.
THE INFLUENCE OF FINANCIAL LITERACY ON THE QUALITY OF ECONOMIC DECISION MAKING AMONG URBAN COMMUNITIES Fajri, Heri; Mariana, Mariana; Kusumo, Yudhy Widya; Abral, Edi; Alfianti, Julia
JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN Vol. 13 No. 1 (2025)
Publisher : UNIVERSITAS NEGERI SURABAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jepk.v13n1.p147-164

Abstract

To make wise financial decisions, especially amid the complexity of today's financial situations, financial literacy encompassing knowledge, skills, and confidence is crucial. Financial literacy is an essential ability in urban environments, where the economic dynamics are highly complex. This study examines how financial literacy influences the ability of urban residents to make wise financial decisions. A quantitative approach was used with a survey of 200 individuals with stable incomes, from the upper middle class in Lhokseumawe City, aged between 25 and 55 years. Purposive sampling was used to choose the sample. The questionnaire measured the quality of economic decision-making and financial literacy (knowledge, skills, and confidence) using a 5-point Likert scale. To analyze the relationships between variables, multiple linear regression, descriptive statistics, t-tests, and F-tests were applied. The findings showed that the regression model Y = 0.298 + 0.223X1 - 0.096X2 + 0.766X3 + ϵ illustrates the relationship between dependent and independent variables. Financial knowledge significantly improves the quality of economic decision-making (t-statistic 6.292, p = 0.000). Financial skills negatively affect economic decision-making (t-statistic -3.258, p = 0.001). Confidence significantly positively influences decision-making (t-statistic 18.947, p = 0.000). The F-test revealed an F-value of 244.043 with p = 0.000, confirming the significant impact of independent variables on the quality of economic decision-making. These findings highlight the importance of knowledge and confidence in economic decisions, while incorrect financial skills may pose risks.
Profitability and Financing Analysis at Sharia Bank in Indonesia Abral, Edi
International Journal of Economics (IJEC) Vol. 2 No. 2 (2023): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v2i2.762

Abstract

This research aims to determine the influence of Capital Adequacy, Financing Problems and Asset Quality on the Profitability of Sharia Banks in Indonesia. To determine the number of samples, a purposive sampling technique was used. The data used is secondary data, panels in quarters. Data was obtained from the Financial Services Authority/OJK for the period March 2018 to December 2020. Panel Data Regression analysis techniques with Fixed Effect Models were used to analyze the influence of independent variables on the dependent variable. The results of this research indicate that Capital Adequacy, Problem Financing and Asset Quality simultaneously have a significant effect on profitability. Meanwhile, partial testing shows that the Capital Adequacy and Asset Quality variables do not have a significant effect on profitability. The problematic financing variable has a significant negative effect on profitability. This requires efforts to reduce problematic financing so that efforts to increase the profitability of Islamic banks can be carried out in the future
Co-Authors Alfianti, Julia Heri Fajri, Heri Kusumo, Yudhy Widya Mariana Mariana Mustika Amri Putri, Rizka Putri