Article Per Year (5 Year)
p-Index From 2021 - 2026
0.835
P-Index
This Author published in this journals
All Journal Jurnal Ilmiah Ekonomi Islam Al-Tijary : Jurnal Ekonomi dan Bisnis Islam
Elzaanin, Amina A.A
Unknown Affiliation
Economics, Econometrics & Finance Social Sciences

Published : 5 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 5 Documents
Search

 1 
Determination Of Commercial Banks’ Profitability In Indonesia Syahid, Muhammad; Elzaanin, Amina A.A; Purnamasari, Sinta Ayu; Sari, Wahyu Nita; Badriah, Siti
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15485

Abstract

This research explores the relationship between specific characteristics of banks and their profitability. Bank profitability is related to external and internal factors regarding assets, capital, and loans in general. This study is mainly concerned with internal factors that influence the profitability of commercial banks in Indonesia. 55 Banks including 51 National Private Banks, and 4 Public Sector Banks. Data taken in its entirety from the Financial Services Authority website in 2023. Using the Ordinary Least Square (OLS) method with the help of Stata software. The results of the research show that in a simultaneous test, the asset, capital, and loan variables have a positive and significant effect on profitability with the figure obtained being 78% while other variables explain the rest, while in a partial test, the asset and bank loan variables harm bank profitability, and only the capital variable which is positively related to profitability by 86%, and the rest is explained by other variables. This shows that large banks may face similar challenges as marginal profits decrease as targets must be achieved because in fact the bank Asset and Loan variables are also expected to be the main source of income so that they have a positive relationship with bank performance.
The Influence of Working Capital Financing, Micro Financing and Qardhul Hasan Funds on the Performance of Islamic Commercial Banks in Indonesia Syahid, Muhammad; Elzaanin, Amina A.A; Noviarita, Heni; Kartika, Akbar Pratama; Noval, Muhammad
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15433

Abstract

To maintain existence and competitiveness, various products are needed that can reach all levels of business needs. Working Capital Financing is intended for SME Retail to commercial scale, Micro Financing is intended for medium-sized MSMEs, while Qardhul Hasan financing is intended if lending lacks capital in the current contract. For this reason, this article wants to test how much influence Working Capital Financing and Micro Financing and with Qardhul Hasan Funds as moderating variables have on the Profitability of Islamic Banks in Indonesia. This study involved 14 Islamic Commercial Banks from 2019-2023 registered with the Financial Services Authority. The data was obtained from the OSIRIS website. The data analysis method used was multiple regression analysis. The hypothesis tests carried out were the F test, T test, and Adjusted R 2 determination coefficient. The results of the study simultaneously showed that independent variables had a significant effect on Islamic Bank Performance with a significance of 67%, this was because DQH was allocated to the productive sector and was included in the priority scale of superior customers. While partially PMK has a negative effect because it uses a profit sharing contract that is quite risky, and the PM and DQH variables have a positive effect on the performance of Islamic Banks, this is because PM uses a sale and purchase contract so that the risk is minimal and DQH uses the Qardhul hasan contract which is allocated to the productive sector so that the risk is minimal. The finding of this lending can be evaluated or converted with various products according to customer needs so that the performance of Islamic Banks can continue to increase as long as it does not deviate from Banking Quality Sharia which is its main mission.
Do Ownership and Environment Affect Profits with the Role of the Independent Commissioners? Noval, Muhammad; Rimayanti, Rimayanti; Malia, Malia; Syahid, Muhammad; Elzaanin, Amina A.A; Arumugam, Aswini
Al-Tijary Vol 10 No 1 (2024): AL-TIJARY VOL. 10, NO. 1,DECEMBER 2024
Publisher : Faculty of Islamic Economics and Business Sultan Aji Muhammad Idris State Islamic University Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v10i1.8992

Abstract

This study aims to explore health company profits during the pandemic from the perspective of managerial ownership and environmental performance accompanied by the moderating role of independent commissioners. The use of Sharia-based health sector companies as companies that are very closely related to the pandemic events that occurred during the observation period of 2020-2021 resulted in 16 companies using quarterly reports, so there are 64 studio data. The data obtained was subjected to prerequisite tests using the classical assumption test, which was then tested by conducting F-test and t-test regression based on the hypotheses that had been developed. The study results prove that managerial ownership and environmental performance simultaneously increase profits. However, partially managerial ownership influences increasing profits, while environmental performance has no effect. The role of the independent board of commissioners has been proven to not influence managerial ownership and environmental performance in increasing the profits of Sharia companies in the health sector. This study implies that managerial ownership factors, environmental performance, and an independent board of commissioners play an essential role in increasing the profits of Sharia companies in the health sector, especially during the pandemic. The results can encourage strategic decision-making related to ownership structure and corporate governance to achieve sustainability and profitability.
The Influence of Working Capital Financing, Micro Financing and Qardhul Hasan Funds on the Performance of Islamic Commercial Banks in Indonesia Syahid, Muhammad; Elzaanin, Amina A.A; Noviarita, Heni; Kartika, Akbar Pratama; Noval, Muhammad
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15433

Abstract

To maintain existence and competitiveness, various products are needed that can reach all levels of business needs. Working Capital Financing is intended for SME Retail to commercial scale, Micro Financing is intended for medium-sized MSMEs, while Qardhul Hasan financing is intended if lending lacks capital in the current contract. For this reason, this article wants to test how much influence Working Capital Financing and Micro Financing and with Qardhul Hasan Funds as moderating variables have on the Profitability of Islamic Banks in Indonesia. This study involved 14 Islamic Commercial Banks from 2019-2023 registered with the Financial Services Authority. The data was obtained from the OSIRIS website. The data analysis method used was multiple regression analysis. The hypothesis tests carried out were the F test, T test, and Adjusted R 2 determination coefficient. The results of the study simultaneously showed that independent variables had a significant effect on Islamic Bank Performance with a significance of 67%, this was because DQH was allocated to the productive sector and was included in the priority scale of superior customers. While partially PMK has a negative effect because it uses a profit sharing contract that is quite risky, and the PM and DQH variables have a positive effect on the performance of Islamic Banks, this is because PM uses a sale and purchase contract so that the risk is minimal and DQH uses the Qardhul hasan contract which is allocated to the productive sector so that the risk is minimal. The finding of this lending can be evaluated or converted with various products according to customer needs so that the performance of Islamic Banks can continue to increase as long as it does not deviate from Banking Quality Sharia which is its main mission.
Determination Of Commercial Banks’ Profitability In Indonesia Syahid, Muhammad; Elzaanin, Amina A.A; Purnamasari, Sinta Ayu; Sari, Wahyu Nita; Badriah, Siti
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15485

Abstract

This research explores the relationship between specific characteristics of banks and their profitability. Bank profitability is related to external and internal factors regarding assets, capital, and loans in general. This study is mainly concerned with internal factors that influence the profitability of commercial banks in Indonesia. 55 Banks including 51 National Private Banks, and 4 Public Sector Banks. Data taken in its entirety from the Financial Services Authority website in 2023. Using the Ordinary Least Square (OLS) method with the help of Stata software. The results of the research show that in a simultaneous test, the asset, capital, and loan variables have a positive and significant effect on profitability with the figure obtained being 78% while other variables explain the rest, while in a partial test, the asset and bank loan variables harm bank profitability, and only the capital variable which is positively related to profitability by 86%, and the rest is explained by other variables. This shows that large banks may face similar challenges as marginal profits decrease as targets must be achieved because in fact the bank Asset and Loan variables are also expected to be the main source of income so that they have a positive relationship with bank performance.
Co-Authors Abda Abda Akbar Pratama Kartika Arumugam, Aswini Heni Noviarita Malia, Malia Muhammad Noval Muhammad Syahid Rimayanti Rimayanti Sari, Wahyu Nita Sinta Ayu Purnamasari, Sinta Ayu Siti Badriah