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All Journal Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Journal La Sociale
Winarsih, Safitri
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Economics, Econometrics & Finance Social Sciences

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The Effect of BOPO, CAR and NPF on the Profit Sharing Rate of Mudharabah Deposits in Sharia Commercial Banks Winarsih, Safitri; Yafiz, Muhammad; Anggraini, Tuti
Journal La Sociale Vol. 5 No. 6 (2024): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v5i6.1392

Abstract

The aim of this research is to determine the effect of BOPO, CAR and NPF on the level of profit sharing from mudarabah savings in Islamic commercial banks. Secondary data was obtained from OJK banking financial data on sharia commercial banks. For 2017-2022. The analysis was carried out using the horizontal multivariate method with the help of the Aveo 12 application. The results of the partial significance test showed that the calculated t value for the difference in BOPO was -10.67, which was smaller than the significance of 2.14479 from the t table. This shows that variations in BOPO have a negative effect on the level of profit sharing on Mudarabah deposits. On the other hand, the calculated t value for the difference in CAR is 0.24, which is lower than the table of 2.14479, which shows that this difference does not have a significant effect on the level of profit sharing on mudarabah deposits. However, for the NPF income variable, the t-calculated value was 4.801, higher than the t-table value of 2.14479. Therefore, it can be concluded that this change has a significant effect on the level of profit sharing on Mudarabah deposits. Apart from that, statistical analysis (R Square) shows that the independent variable of this research is able to explain 85.7% of the variation in the variable, namely the Mudarabah Deposit Profit Sharing Rate. The remaining 14.3% was caused by other external factors and these differences were not included in this study.
Peran Surat Berharga Syariah Negara (SBSN) Dalam Pertumbuhan Ekonomi Indonesia Zain, Rahma Sari; Winarsih, Safitri; Situmorang, Nurul Utami
Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Vol 4, No 1: 2023
Publisher : LPPM Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ebma.v4i1.4604

Abstract

Given that it has the highest economic growth rate and highest concentration of Muslims anywhere in the world, Indonesia is an ideal location for the development of the Islamic economy. The primary source of funding is the issuance of Sukuk, or Sharia Securities. Due to the availability of sukuk, the government is better able to finance its budget deficit. The cost of debt can be decreased by the government. This study's objectives are to ascertain 1) how sukuk have evolved in Indonesia and 2) how sukuk have contributed to the economic development of the nation. Both qualitative research techniques and literary analysis tools are used in this study. Secondary data is information that was used in this study and comes from previously published articles or other works. The following are the study's findings: 1) Indonesia's government has made retail sukuk (SR) accessible, particularly SR 001-SR 013. According to the APBN's plans, the country issues a growing number of sukuk from one year to the next. 2) The role that the state sukuk plays is very advantageous, including financing project development, promoting the expansion of Islamic financial markets, setting up branches there, developing new investment instruments, and using public funds.
Co-Authors Muhammad Yafiz, Muhammad Situmorang, Nurul Utami Tuti Anggraini Zain, Rahma Sari