Alan Nur, Muhammad
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ANALISIS RASIO KEUANGAN TERHADAP KINERJA BANK SYARIAH INDONESIA PASCA MERGER Puspita Ningrum, Ratih; Alan Nur, Muhammad; Sukardi, Budi
Jurnal Ekonomika dan Bisnis Islam Vol 6 No 3 (2023): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v6n3.p43-51

Abstract

Financial performance describes an achievement over a certain period of time on the procedures for managing a bank's finances. This research aims to measure how the performance of Indonesian Sharia Banks in 2022 so that it can be ranked as the 6th largest bank in Indonesia. Descriptive research method using financial ratio analysis, the ratio used is the ratio of liquidity, profitability, and solvency. The results in this study indicate that the FDR ratio of Indonesian Sharia Banks performs in a poor category, because it does not meet BI regulatory standards. While the cash ratio, ROA, ROE, BOPO, and CAR are in good condition, because these ratios comply with BI regulations. The implications of this research for readers can be used as a reference for writing further scientific papers. Meanwhile, companies, especially Bank Syariah Indonesia, are expected to improve their financial performance so they can improve their performance in 2023.
Agricultural financing risk and ib agricultural financing: A long relationship Alan Nur, Muhammad; Honesty Nur Firdaus; Armanto, Andre; Herianingrum, Sri
JIFA (Journal of Islamic Finance and Accounting) Vol. 5 No. 2 (2022)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jifa.v5i2.5518

Abstract

Indonesia is destined to be an agrarian country because of its location on the equator, unfortunately not all farmers are able to access capital for their agricultural businesses while the contribution of the agricultural sector to employment is very high. It is also important to consider that Indonesia is also a country with the largest Muslim population in the world, so there should be a financing scheme in the agricultural sector that is in accordance with sharia compliance. Therefore, Islamic banking should be present to provide capital to farmers who need agricultural financing without violating sharia provisions. Identifying variables that affect Islamic bank financing in the agricultural sector in the long run is the aim of this study so that our findings can be one of the considerations for policy makers for future policies. To reveal the purpose of our research, we consider the factors affecting the agricultural financing of Islamic banks which consist of the risk of agricultural financing, farmer welfare, inflation and economic growth with observations for a decade from 2012 to 2021 on a quarterly basis. By using ARDL estimation, our findings find that in the long run relationship the welfare of farmers has no effect, while the other remaining variables have a significant effect. This study offers valuable implications indicating that the presence of Islamic banking can be considered as a viable financial solution within the agricultural sector.