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All Journal At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Borneo Islamic Finance and Economics Journal (BIFEJ) INASJIF
Rahmatullah, Nur
Unknown Affiliation
Religion Economics, Econometrics & Finance Social Sciences

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Journal : INASJIF

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PENGARUH PENDAPATAN BAGI HASIL DAN FEE BASED INCOME TERHADAP LABA BERSIH (STUDI KASUS PADA BANK UMUM SYARIAH PERIODE 2018-2023) Hasanah, Mauizatul; Zaroni, Akhmad Nur; Rahmatullah, Nur
Indonesian Scientific Journal of Islamic Finance Vol 3 No 1 (2024): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v3i1.9141

Abstract

Sharia banks operate to generate profits, in fact there are many factors that affect net profit, one of which isthe income and services provided by the bank. In this study, it aims to determine whether profit sharing income and fee-based income have a significant effect on net income. This study used a quantitative approach. In determining samples using purposive sampling techniques. The results showed that the variable profit sharing income had a partial significant effect on net profit by 15% while fee based income had a partial significant effect on net income by 45%, as well as simultaneously the variable profit sharing income and fee based income Significantly affects net profit by 59.4%, the rest is influenced by other variables. The analysis technique used is panel data regression analysis with the Eviews 12 tool.
PENGARUH GIRO WAJIB MINIMUM DAN DANA PIHAK KETIGA TERHADAP TINGKAT PEMBIAYAAN MUSYARAKAH PADA BANK MEGA SYARIAH Randa, Noer Azizah; Darmawati, Darmawati; Rahmatullah, Nur
Indonesian Scientific Journal of Islamic Finance Vol 3 No 2 (2025): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v3i2.11193

Abstract

This study examines the impact of Minimum Statutory Reserves (Giro Wajib Minimum/GWM) and Third-Party Funds (Dana Pihak Ketiga/DPK) on musyarakah financing at Bank Mega Syariah from 2017 to 2022. Motivated by internal and external factors influencing musyarakah financing, the research adopts a quantitative explanatory approach using multiple linear regression analysis. Data were sourced from the bank’s financial reports, and classical assumption tests—normality, multicollinearity, heteroscedasticity, and autocorrelation—were conducted to ensure model validity. The results show that GWM significantly affects musyarakah financing partially, with a significance level of 0.017. Similarly, DPK has a significant partial effect, with a significance level of 0.000. Both variables also have a simultaneous significant effect. These findings suggest that effective GWM management can improve liquidity and financing performance without violating liquidity requirements. Moreover, enhancing DPK through innovative Sharia-compliant savings products can stimulate financing growth. In conclusion, GWM and DPK are crucial in shaping musyarakah financing performance. Policy recommendations include optimizing liquidity strategies, innovating DPK mobilization aligned with Sharia principles, improving liquidity risk management, and increasing public education about Islamic finance to foster sustainable development in the Islamic banking sector.
Co-Authors Ahmad Syarif Darmawati Darmawati Dedy Mainata Junaidi, Muhammad Ali Mauizatul Hasanah, Mauizatul Randa, Noer Azizah Rismawati Rismawati