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Pengaruh Penerimaan Dana ZISWAF, Simpanan Giro Wadiah, Dan Pendapatan Murabahah Terhadap BOPO Dengan Firm Size Sebagai Variabel Moderasi pada Perbankan Syariah di Indonesia Periode 2018-2023 Azkya, Vaizul; Hestya Budianto, Eka Wahyu
Jihbiz: Global Journal of Islamic Banking and Finance Vol 6, No 1 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i1.25544

Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh penerimaan dana ZISWAF, simpanan giro wadiah, dan pendapatan murabahah terhadap BOPO yang dimoderasi oleh firm size. Sampel yang digunakan adalah laporan keuangan perbankan syariah dari Q1 2018 hingga Q3 2023, dengan teknik pengambilan sampel menggunakan purposive sampling yang menghasilkan 115 laporan keuangan selama periode enam tahun. Metode analisis data yang digunakan meliputi Analisis Regresi Data Panel dan Analisis Regresi Moderasi dengan menggunakan aplikasi Eviews 12. Hasil dari studi ini mengindikasikan bahwa penerimaan dana ZISWAF, simpanan giro wadiah dan pendapatan murabahah tidak memiliki pengaruh signifikan terhadap BOPO di sektor perbankan syariah selama periode 2018-2023. Firm Size tidak mampu memoderasi pengaruh penerimaan dana ZISWAF, simpanan giro wadiah, maupun pendapatan murabahah terhadap BOPO di sektor perbankan syariah selama periode tersebut. Disarankan bagi penelitian berikutnya untuk mempertimbangkan penggunaan variabel moderasi tambahan dan melibatkan sampel dari berbagai sektor industri, sehingga hasil penelitian dapat memberikan wawasan yang lebih luas dan representatif dari berbagai sektor ekonomi.

PENGARUH PENERIMAAN DANA ZISWAF, NPF NETT, DAN PENDAPATAN MUSYARAKAH TERHADAP PIUTANG MURABAHAH DENGAN FIRM SIZE SEBAGAI VARIABEL MODERASI PADA PERBANKAN SYARIAH DI INDONESIA Fardiana, Sheril; Hestya Budianto, Eka Wahyu
Journal of Accounting and Financial Issue (JAFIS) Vol 5 No 2 (2024): Journal of Accounting and Financial Issue (JAFIS)
Publisher : Program Studi Akuntansi Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24929/jafis.v5i2.3809

Penelitian ini bertujuan untuk mengetahui pengaruh penerimaan Dana ZISWAF, NPF Nett, dan pendapatan musyarakah terhadap piutang murabahah dengan firm size sebagai variabel moderasi periode tahun 2018.Q1 - tahun 2023.Q3. Perusahaan sektor keuangan yang terdaftar dalam Bursa Efek Indonesia selama periode tahun 2018-2023 dijadikan teknik pengambilan sampel. Sampel yang diambil dengan metode purposive sampling yang melibatkan 5 perusahaan selama 6 tahun. Teknik analisis data yang digunakan ialah Analisis Data Panel dan Moderated Regression Analysis (MRA) dengan bantuan aplikasi Eviews 12. Hasil penelitian menyatakan bahwa penerimaan dana ZISWAF berpengaruh negatif signifikan terhadap piutang murabahah periode tahun 2018.Q1 - tahun 2023.Q3. NPF Nett berpengaruh positif signifikan terhadap piutang murabahah periode tahun 2018.Q1 - tahun 2023.Q3. Pendapatan musyarakah berpengaruh negatif signifikan terhadap piutang murabahah periode tahun 2018.Q1 - tahun 2023.Q3. Firm size mampu memoderasi pengaruh penerimaan dana ZISWAF terhadap piutang murabahah periode tahun 2018.Q1 - tahun 2023.Q3. Firm size tidak mampu memoderasi pengaruh NPF Nett terhadap piutang murabahah periode tahun 2018.Q1 - tahun 2023.Q3. Firm size mampu memoderasi pengaruh pendapatan musyarakah terhadap piutang murabahah periode tahun 2018.Q1 - tahun 2023.Q3. Sehingga diharapkan pada penelitian selanjutnya pada variabel moderasi dapat menggunakan variabel lainnya, seperti kebijakan deviden supaya hasil dari penelitian bisa mewakili usaha sektor lainnya.

Dampak Simpanan dan Bonus Wadiah terhadap Net Imbalan pada Perbankan Syariah Indonesia (2018-2023) annisa, maulidya; Hestya Budianto, Eka Wahyu
Jurnal Perbankan Syariah Vol. 3 No. 2 (2024): Jurnal Perbankan Syariah
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jps.v3i2.10887

This research serves to determine and examine how Wadiah Current Account Deposits, Wadiah Savings Deposits, and Wadiah Bonuses impact Net Income (NI). In addition, this study also looks at how firm size serves as a moderating variable in the relationship between the independent variables (Wadiah Current Account Deposits, Wadiah Savings Deposits, and Wadiah Bonus) and the dependent variable (Net Rewards).This study uses a quantitative approach by using secondary data from the annual reports of the banks under study.The number of five sample companies registered with OJK from 2018 to 2023 is a purposive sample. This study evaluates the relationship between independent and dependent variables through the use of panel data regression analysis and moderated regression analysis (MRA). The purpose of this study is to assess whether Wadiah Current Accounts, Wadiah Savings, and Wadiah Bonus affect Net Return (NI), and whether Company Size moderates the relationship between these independent variables.

The Effect of Ziswaf Acceptance, Giro Wadiah Savings, and Murabahah Income on Bonus Wadiah With Firm Size as A Moderating Variable for The Period of 2018.Q1 to 2023.Q3 Asrul Yatimi, Muh.; Hestya Budianto, Eka Wahyu
IQTISHADUNA Vol. 15 No. 2 (2024): IQTISHADUNA: Jurnal Ekonomi Dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v15i2.10654

This study aims to determine and examine the effect of ZISWAF Fund Revenue, Wadiah Current Account Deposits, and Murabahah Income on Wadiah Bonus with Firm Size. The sample used in this study is a company in the financial sector listed on the Indonesia Stock Exchange (IDX) in 2018-2023. The sampling technique used was purposive sampling, with a total sample of 5 companies for 5 years. The data analysis technique used is Panel Data Regression Analysis and Moderated Regression Analysis (MRA) with the Eviews 12 application. The results showed that the receipt of ziswaf funds had no significant effect on the financial sector wadiah bonus for the 2018-2023 period. Wadiah current account deposits have a significant positive effect on wadiah bonuses in the financial sector for the 2018-2023 period. Murabahah income has no significant effect on bonus wadiah financial sector for the period 2018-2023. firm size cannot moderate the effect of ziswaf fund receipts on bonus wadiah financial sector in the 2018-2023 period. firm size can moderate the effect of wadiah current account deposits on bonus wadiah financial sector in the 2018-2023 period. firm size cannot moderate the effect of murabahah income on bonus wadiah financial sector in the 2018-2023 period. In future studies, it is expected to use other variables as moderating variables, such as BOPO and use a sample of companies from other sectors so that the results of the study will be more accurate.

PENGARUH VARIABEL PENERIMAAN DANA ZISWAF, BOPO, DAN LABA/RUGI NONOPERASIONAL TERHADAP NPF GROSS DENGAN FIRM SIZE SEBAGAI VARIABEL MODERASI PERIODE 2018.Q1–2023.Q3 Khusnul Khotimah, Retno Wahyuning; Hestya Budianto, Eka Wahyu
Ekonis: Jurnal Ekonomi dan Bisnis Vol 26, No 2 (2024): JURNAL EKONOMI DAN BISNIS (EKONIS)
Publisher : Politeknik Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30811/ekonis.v26i2.6032

Abstract :This study aims to determine and examine the effect of receiving ZISWAF, BOPO, and non-operating profit / loss on gross NPF with firm size as a moderation variable for the period 2018.Q1 – 2023.Q3. The sample used in this study is companies in the financial sector listed on the Indonesia Stock Exchange (IDX) in 2018-2023. The sampling technique used was purposive sampling, with a total sample of 5 banks for 6 years. The data analysis techniques used are Panel Data Regression Analysis and Moderated Regression Analysis (MRA) with the Eviews 12 application. The results showed that ziswa funds, BOPO and non-operating profit / loss showed a significant influence on the value of the company. This means that if the value of ziswa funds generated is higher, the funds can be used to strengthen the capital of Islamic financial institutions so that the risk of bad loans will be reduced. High BOPO levels have an impact on Gross NPF levels. Large operational costs can reduce the company's profitability. Good non-operating profit can help reduce NPF Gross by improving the company's financial stability and repayment ability, while large non-operating losses can increase credit risk and contribute to an increase in NPF Gross if not managed properly. Firm size shows a significant positive influence on company value. This means that if the resulting capital structure is high, it will cause a decrease in the value of the company, and vice versa. Then, in the interaction of moderation variables, probability can moderate ziswa funds, BOPO, non-operating profit / loss on NPF against the value of financial sector companies in the 2018Q1-2023Q3 period. Keywords: Islamic Banking,ZISWAF Fund, BOPO,profit and loss, NPF Gross, Firm Size.

Trade And Commerce Reform During The Umayyad Dynasty Tushofiyah, Sa'ida; Hestya Budianto, Eka Wahyu
Indonesian Journal of Islamic History and Culture Vol. 6 No. 1 (2025): Indonesian Journal of Islamic History and Culture
Publisher : The Department of Islamic History and Culture in cooperation with the Center for Islamic History and Culture in Aceh and Malay World Studies (PUSAKA), Universitas Islam Negeri Ar-Raniry Banda Aceh, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ijihc.v6i1.5341

Trade and commerce reform during the Umayyad dynasty marked a significant period in economic history, characterized by policy changes that influenced commercial activities within the caliphate. The reforms implemented by caliphs, particularly Abd al-Malik ibn Marwan, played a crucial role in stabilizing the government and enhancing trade dynamics. Previous research has explored the relationship between trade reforms and economic growth, shedding light on the interconnectedness between trade practices, economic development, and urban growth. The study of trade and commerce reform during the Umayyad dynasty presents a compelling research area with key phenomena to explore, including administrative and financial policies, trade costs, and the role of imported inputs in driving domestic growth. Understanding the mechanisms through which policy changes affected economic activities is essential for formulating effective research objectives. By setting clear research objectives to analyze the impact of policy changes on trade dynamics and economic growth, scholars can gain insights into the multifaceted nature of trade reforms during the Umayyad era. The implications of research on trade and commerce reform offer valuable lessons for understanding historical trade dynamics and their enduring impact on economic structures, contributing to a deeper understanding of economic development and governance within the Umayyad caliphate

Pengaruh Penerimaan Dana ZISWAF, NPF Gross, dan Pendapatan Mudharabah terhadap BOPO dengan Firm Size sebagai Variabel Moderasi Periode Tahun 2018.Q1 – Tahun 2023.Q3 Putri, Rahmaniyah Indria; Hestya Budianto, Eka Wahyu
Jurnal Keuangan dan Perbankan Syariah Vol 3 No 2 (2024): Desember 2024
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v3i2.3110

This research aims to determine the effect of ZISWAF Fund Revenue, Gross NPF, and Mudharabah Income on BOPO with Firm Size as a Moderating Variable. The samples used in this study are companies in the financial sector listed on the Indonesia Stock Exchange (BEI) in 2018Q1-2023Q3. The sampling technique used was purposive sampling, with a total sample of 115 from 5 (five) Islamic banks. The data analysis technique used is Panel Data Regression Analysis and Moderated Regression Analysis (MRA) with the Eviews 12 application. The results showed that the receipt of ziswaf funds had a significant negative effect on BOPO in the financial sector for the 2018Q1-2023Q3 period. Gross NPF has a positive effect on BOPO in the financial sector for the period 2018Q1-2023Q3. Mudharabah income has a significant negative effect on BOPO in the financial sector for the period 2018Q1-2023Q3. Firm size is not able to moderate the effect of ziswaf fund revenue on BOPO in the financial sector for the period 2018Q1-2023Q3. Firm size is unable to moderate the effect of Gross NPF on BOPO in the financial sector for the period 2018Q1-2023Q3. Firm size is able to moderate the effect of mudharabah income on BOPO in the financial sector for the period 2018Q1-2023Q3.

Pengaruh Penerimaan Dana ZISWAF, Simpanan Giro Wadiah, Dan Pendapatan Murabahah Terhadap BOPO Dengan Firm Size Sebagai Variabel Moderasi pada Perbankan Syariah di Indonesia Periode 2018-2023 Azkya, Vaizul; Hestya Budianto, Eka Wahyu
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 6 No. 1 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i1.25544

Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh penerimaan dana ZISWAF, simpanan giro wadiah, dan pendapatan murabahah terhadap BOPO yang dimoderasi oleh firm size. Sampel yang digunakan adalah laporan keuangan perbankan syariah dari Q1 2018 hingga Q3 2023, dengan teknik pengambilan sampel menggunakan purposive sampling yang menghasilkan 115 laporan keuangan selama periode enam tahun. Metode analisis data yang digunakan meliputi Analisis Regresi Data Panel dan Analisis Regresi Moderasi dengan menggunakan aplikasi Eviews 12. Hasil dari studi ini mengindikasikan bahwa penerimaan dana ZISWAF, simpanan giro wadiah dan pendapatan murabahah tidak memiliki pengaruh signifikan terhadap BOPO di sektor perbankan syariah selama periode 2018-2023. Firm Size tidak mampu memoderasi pengaruh penerimaan dana ZISWAF, simpanan giro wadiah, maupun pendapatan murabahah terhadap BOPO di sektor perbankan syariah selama periode tersebut. Disarankan bagi penelitian berikutnya untuk mempertimbangkan penggunaan variabel moderasi tambahan dan melibatkan sampel dari berbagai sektor industri, sehingga hasil penelitian dapat memberikan wawasan yang lebih luas dan representatif dari berbagai sektor ekonomi.

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