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All Journal Journal of Business, Accounting and Finance Economics & Islamic Finance Journal
Maharani, Asyifa Ayu
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Sharia Performance Ratio Factor: What is the Deposit Financing Ratio and Financing Quality? Utami, Anita Dwi; Apriani, Peni; Nuryanti, Nuryanti; Maharani, Asyifa Ayu
Economics & Islamic Finance Journal (ECIF) Vol. 1 No. 3 (2024): ECIF Journal December 2024
Publisher : Baca Dulu Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70550/ecif.v1i3.68

Abstract

Islamic banking is the largest sector in the Islamic financial industry. Financial performance refers to the ability to earn income, carry out financial responsibilities, and achieve other goals. Good performance increases customer trust and is very profitable for banks. One of the good performances to increase public trust is through good Islamic financial performance values with the IPR ratio. One of the factors that affect the value of Islamic financial performance is FDR and NPF. The higher the FDR, the better the IPR because the bank optimizes its performance. The higher the NPF value, the worse the IPR because the bank is considered less good at managing problematic financing. The analysis of the research data used panel data regression analysis. The research sample was 12 Islamic banks in Indonesia with a time period of 2019 and 2023. The results showed that FDR had no significant effect on IPR. NPF had a significant negative effect on IPR. The implication of this study is that the NPF ratio which takes into account problematic financing can affect Islamic Bank Performance, especially in terms of Islamic Performance. Islamic Banks are expected to pay more attention to their financial performance.
The Effect of Credit Financing on Profitability PT Adira Dinamika Multi Finance Tbk with Receivables Turnover Ratio Analysis Farman, Fanji; Maharani, Asyifa Ayu; Marlina, Dina
Journal of Business, Accounting and Finance Vol. 6 No. 2 (2024): Journal Of Bisiness, Accounting & Finance
Publisher : LPPM Universitas Sebelas April

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Abstract

This study analyzes the receivable turnover ratio (RTO) and the average time spent to collect receivables (Average Collection Period - ACP) at PT Adira Dinamika Multi Finance Tbk (ADMF) during the period 2014 to 2018. The research method used is "Library Research," which utilizes theories from books relevant to the topic of this study. The findings show that RTO increased in 2015, but decreased significantly in the following years, while ACP showed good efficiency in 2014 and 2015, but increased in the following years, indicating a decrease in efficiency in collection. Nevertheless, PT Adira still maintains a healthy collection period. This study highlights the importance of effective credit sales in influencing the profitability of the company, where higher receivables can increase profits. It is recommended that the company improve its receivables management by setting credit standards and conducting routine collections.
Co-Authors Apriani, Peni Dina Marlina, Dina Fachry Abda El Rahman Fanji Farman Utami, Anita Dwi