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The Impact of Exchange Rates and Net Operating Margin on Murabaha Financing in Islamic Commercial Banks in Indonesia Period 2019-2022 Baso Akib; Nurul Haeriyah; Fitriani, Fitriani
Indonesian Journal of Advanced Research Vol. 3 No. 6 (2024): June 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijar.v3i6.9970

Abstract

This study aims to investigate the impact of exchange rates and net operating margins on murabaha financing at Islamic Commercial Bank (BUS) companies in Indonesia during the 2019-2022 period. The research method used is descriptive quantitative with an associative approach. The research data were obtained from the financial statements of murabaha financing at BUS companies in Indonesia for the four years. The research sample consists of 48 monthly financial reports selected saturated from time series data. The data collection process was carried out through observation and documentation of available financial reports. The collected data were then analyzed using multiple linear regression analysis with the help of IBM SPSS 20 software. The results showed that partially, the exchange rate has a positive and significant influence on murabaha financing. This means that when the exchange rate strengthens, murabaha financing in BUS companies tends to increase. Conversely, the net operating margin has a negative and significant effect on murabaha financing, which means that the higher the net operating margin, the murabaha financing tends to decrease. Simultaneously, the exchange rate and net operating margin have a significant effect on murabaha financing.
Dampak Covid-19 Pada Rantai Pasokan dan Praktik Manajemen Sumber Daya Manusia dan Pemasaran Di Masa Depan nurul haeriyah; Wahyudi, Wahyudi
Study of Scientific and Behavioral Management Vol 3 No 2 (2022): Efektifitas Penggunaan Sumber Daya Perusahaan di Masa Covid-19
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v3i2.28863

Abstract

The increasing prevalence of COVID-19 has severe implications on the well-being of most organizations and professionals especially in the areas of human resource management and marketing. This study focuses on determining the impact of COVID-19 on different human resource practices and future marketing. It was determined that the dynamics of work had greatly changed from the traditional way of working from an organizational place to working remotely at home. As a result, marketing has also shifted to different online platforms because physical contact with customers is currently prohibited to maintain social distance, one of the ways to prevent the corona virus. This change has been associated with different negative implications and some positives as some professionals find it more flexible and comfortable to work remotely. To cope with the changing times of today, organizations need to adapt and adopt new emerging technologies to work remotely and consequently implement strategic policies and procedures to maintain a steady flow. Keywords: Human Resource Management, supply chain management, Covid-19, Marketing, SARS-CoV-2