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All Journal EkoBis ( Ekonomi & Bisnis ) Education Achievement: Journal of Science and Research Borobudur Management Review Jurnal Studi Manajemen Bisnis
Fajar, Maulana
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences Other

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PENURUNAN NON PERFORMING FINANCING BERBASIS ENTERPRISE RISK MANAGEMENT PADA BANK ISLAM DI INDONESIA Fajar, Maulana; Mutamimah, Mutamimah
Jurnal Ekonomi dan Bisnis Vol 24, No 2 (2023): JURNAL EKONOMI DAN BISNIS
Publisher : Department of Management, Faculty of Economics, Universitas Islam Sutan Agung, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ekobis.24.2.127-153

Abstract

This research is proposed to identify the impact of the system of profit loss sharing and murabaha financing of Islamic banking on the value of non-performing financing and financial performance in the period 2010 - 2022. The research sample analyzed is the non merger Islamic public banking institutions in Indonesia which were taken using the purposive method. sampling with a total of 11 banks. The data analysis method used is quantitative analysis using panel data regression analysis techniques that combine cross section data with time series. From the results of the analysis conducted, it is evident that mudharabah financing has a positive impact on the NPF value. Musyrakah financing is proven to have a negative effect on the NPF value of Islamic banking. Murabaha financing is proven to have a negative effect on the NPF of Islamic banking. ERM is able to moderate mudharabah financing on NPF with moderation properties weakening the positive effect of mudharabah financing on NPF. ERM is able to moderate mudharabah financing on NPF with moderation properties strengthening the negative effect of mudharabah financing on NPF. ERM is able to moderate murabaha financing on NPF with moderation properties strengthening the negative effect of murabaha financing on NPF. NPF is proven to have a negative effect on the value of financial performance as measured by using the value of ROA.
FLUKTUASI KINERJA KEUANGAN PERBANKAN SYARIAH: ANALISIS PADA IMPLEMENTASI PROFIT LOSS SHARING DAN MANAJEMEN RISIKO Fajar, Maulana; Kusuma, Triana Hasty; Yuliana, Novita; Ratnawati, Dwi Puji
Jurnal Studi Manajemen Bisnis Vol 3, No 2 (2023): Jurnal Studi Manajemen Bisnis
Publisher : Universitas Muria Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24176/jsmb.v3i2.12118

Abstract

Profit Loss Sharing (PLS) plays a crucial role in determining the potential value of profits in Islamic banking. The PLS profit-sharing system indicates the success or failure in the financing investments undertaken by the banks. To generate profits from the financing investments, it is essential to have a reliable and sustainable risk management. In this study, the risk management variable will be comprehensively examined in relation to its impact on supporting the implementation of PLS systems (mudharabah and musyarakah) on financial performance. The analytical method employed is quantitative analysis with the support of the E-Views application program. The research sample includes 11 Islamic commercial banks in Indonesia, with an observation period from 2017 to 2022. The research analysis results demonstrate that mudharabah financing and musyarakah financing have a positive influence on financial performance. Risk management weakens the influence of mudharabah financing and musyarakah financing on financial performance. In terms of direct influence, risk management exerts the strongest impact compared to mudharabah financing and musyarakah financing. Mudharabah financing has the smallest impact on the value of financial performance.
Analisis Keputusan Manajerial Sistem Profit Loss Sharing Terhadap Tingkat NPF Bank Umum Syariah di Indonesia Fajar, Maulana; Yuliana, Novita; Ratnawati, Dwi Puji; Kusuma, Triana Hasty
Borobudur Management Review Vol 4 No 2 (2024): Vol 4 No: 2 (2024)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/bmar.v4i2.11851

Abstract

This research was conducted with the aim of analyzing the relevance between the PLS (Profit and Loss Sharing) financing system, which includes mudharabah and musyarakah, and the value of non-performing financing (NPF). The analytical method applied is quantitative analysis using panel data and the Eviews 12 application program. The research data is secondary data sourced from the annual reports of Islamic banks in Indonesia, published from 2012 to 2023. The results of the analysis conclude that mudharabah financing has a significant negative impact on NPF, while musyarakah financing has a significant positive impact on NPF. The analysis also shows that the amount of mudharabah financing is much smaller compared to musyarakah financing, indicating that the potential risk of musyarakah financing is much higher than that of mudharabah financing.
Pengaruh Model Pembelajaran Berbasis Proyek dan Pembelajaran Kooperatif Tipe Student Team-Achievement Divisi Terhadap Kemampuan Penalaran dan Kemampuan Komunikasi Matematis Siswa Fajar, Maulana; Azis, Zainal; Nasution, Marah Doly
Education Achievement: Journal of Science and Research Volume 6 Issue 1 March 2025
Publisher : Pusdikra-Publishing.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/jsr.v6i1.2372

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh model pembelajaran berbasis proyek dan pembelajaran kooperatif tipe STAD terhadap kemampuan penalaran dan kemampuan komunikasi matematis siswa di kelas VII MTsS. Nurul Amaliyah Tanjung Morawa. Penelitian ini merupakan penelitian kuantitatif, dengan jenis penelitian quasi eksperimen. Populasinya adalah seluruh siswa kelas VII MTsS. Nurul Amaliyah Tanjung Morawa yang berjumlah 60 siswa. Analisis data dilakukan dengan analisis varians (ANAVA). Hasil temuan ini menunjukkan: 1) Model pembelajaran berbasis proyek terhadap kemampuan penalaran dan kemampuan komunikasi lebih baik daripada model pembelajaran kooperatif tipe STAD pada materi segi empat; 2) Tidak terdapat interaksi antara model pembelajaran terhadap kemampuan penalaran dan kemampuan komunikasi matematika siswa. Kesimpulan penelitian ini menjelaskan bahwa model pembelajaran berbasis proyek (PjBL) lebih berpengaruh terhadap kemampuan penalaran dan kemampuan komunikasi matematis siswa daripada model pembelajaran kooperatif tipe STAD.
Pengaruh Model Pembelajaran Berbasis Proyek dan Pembelajaran Kooperatif Tipe Student Team-Achievement Divisi Terhadap Kemampuan Penalaran dan Kemampuan Komunikasi Matematis Siswa Fajar, Maulana; Azis, Zainal; Nasution, Marah Doly
Education Achievement: Journal of Science and Research Volume 6 Issue 1 March 2025
Publisher : Pusdikra-Publishing.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/jsr.v6i1.2372

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh model pembelajaran berbasis proyek dan pembelajaran kooperatif tipe STAD terhadap kemampuan penalaran dan kemampuan komunikasi matematis siswa di kelas VII MTsS. Nurul Amaliyah Tanjung Morawa. Penelitian ini merupakan penelitian kuantitatif, dengan jenis penelitian quasi eksperimen. Populasinya adalah seluruh siswa kelas VII MTsS. Nurul Amaliyah Tanjung Morawa yang berjumlah 60 siswa. Analisis data dilakukan dengan analisis varians (ANAVA). Hasil temuan ini menunjukkan: 1) Model pembelajaran berbasis proyek terhadap kemampuan penalaran dan kemampuan komunikasi lebih baik daripada model pembelajaran kooperatif tipe STAD pada materi segi empat; 2) Tidak terdapat interaksi antara model pembelajaran terhadap kemampuan penalaran dan kemampuan komunikasi matematika siswa. Kesimpulan penelitian ini menjelaskan bahwa model pembelajaran berbasis proyek (PjBL) lebih berpengaruh terhadap kemampuan penalaran dan kemampuan komunikasi matematis siswa daripada model pembelajaran kooperatif tipe STAD.
Co-Authors Azis, Zainal Kusuma, Triana Hasty Marah Doly Nasution Mutamimah Mutamimah Ratnawati, Dwi Puji Yuliana, Novita