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All Journal Dinamika Publik: Jurnal Manajemen dan Administrasi Bisnis Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak Al-Ihsan: Jurnal Bisnis dan Ekonomi Syariah
Fadhil Musyafa
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Peran Aspek Keuangan dalam Studi Kelayakan Bisnis Start-Up di Era Digital Fadhil Musyafa; Ahlamul Jaris Gea; Irvan Maulana; Muhammad Hafiz; Mutiah Khaira Sihotang
Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak Vol. 2 No. 1 (2025): Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak (JIEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jieap.v2i1.781

Abstract

A business feasibility study is an in-depth analysis process to assess whether a business or project is feasible to run. This process includes a review of various interrelated aspects, such as market aspects, finance, field facts, and other factors. The market aspect focuses on demand, supply, and competition in the market that is the target of the business, while the financial aspect assesses the business's ability to generate profits and meet financial obligations. Financial analysis involves planning funds, capital structure, and estimating costs and revenues needed for operations. Investment, financing, and dividend decisions are very important in managing a company's finances, especially for start-up companies. The use of analysis tools such as financial ratios and the Economic Value Added (EVA) method allows companies to assess their financial performance and efficiency. Risk analysis is also an important part of decision making to minimize potential losses. Overall, a business feasibility study helps companies plan long-term strategies, manage risks, and ensure the continuity and growth of their business.
Kajian Literatur Faktor-Faktor yang Mempengaruhi Kepercayaan Konsumen terhadap Produk UMKM Berlabel Halal Alnamira Alnamira; Nurul Karimah; Bahari Bahari; Fadhil Musyafa; Pani Akhiruddin Siregar
Dinamika Publik: Jurnal Manajemen dan Administrasi Bisnis Vol. 2 No. 4 (2024): Jurnal Manajemen dan Administrasi Bisnis
Publisher : Politeknik Kampar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59061/dinamikapublik.v2i4.793

Abstract

This study aims to identify factors that influence consumer trust in halal-labeled micro, small, and medium enterprises (MSMEs) products. In Indonesia, the halal label plays an important role in purchasing decisions, especially among Muslim consumers who are looking for products that comply with Islamic law. This label not only guarantees the conformity of the product with Islamic law but also increases consumer trust in the safety and quality of the product. This study uses a literature study approach, analyzing various relevant references related to Islamic business management and consumer trust. The main factors identified include product quality, brand image, risk perception, and social influence. Consistent product quality, transparency in the production process, and a strong brand image contribute to increasing consumer trust and loyalty. In addition, social influence through recommendations from family and friends, as well as reviews on social media, play a significant role in shaping consumer perceptions. This study concludes that these factors are not only important for Muslim consumers but can also attract the interest of non-Muslim consumers who prioritize safety and ethics. This study provides insight for MSMEs in designing marketing strategies and product development, and is expected to support policies that encourage the growth of the halal MSME sector in the domestic and international markets.
Pengaruh CAR, NPF, BOPO Terhadap ROA Bank Syariah Indonesia (2019-2023) Afifah Salsabilla; Sinaga, Risva Nanda; Nasution, Siti Zahra Amelia Putri; Fadhil Musyafa; Hasibuan, MHD. Mukhroni Perdana
Al-Ihsan: Jurnal Bisnis dan Ekonomi Syariah Vol. 1 No. 2 (2023): Al-Ihsan : Jurnal Bisnis dan Ekonomi Syariah (Desember)
Publisher : Yayasan Rahmat Putra Kurnia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65256/81gs8q82

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap Return on Assets (ROA) pada Bank Syariah Indonesia selama periode 2019 hingga 2023. Metode penelitian yang digunakan adalah pendekatan kuantitatif deskriptif dengan teknik analisis regresi linier berganda. Hasil uji statistik menunjukkan bahwa variabel CAR tidak berpengaruh signifikan terhadap ROA, sementara variabel NPF dan BOPO memiliki pengaruh negatif dan signifikan. Di antara ketiga variabel tersebut, BOPO menunjukkan pengaruh paling dominan terhadap penurunan profitabilitas bank. Penelitian ini menegaskan pentingnya efisiensi operasional dan pengelolaan pembiayaan bermasalah dalam mempertahankan tingkat profitabilitas perbankan syariah. Oleh karena itu, disarankan agar manajemen fokus pada upaya peningkatan efisiensi dan pengendalian risiko pembiayaan untuk memperkuat kinerja keuangan secara keseluruhan.   This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and Operating Costs to Operating Income (BOPO) on Return on Assets (ROA) at Bank Syariah Indonesia during the period 2019 to 2023. The research method used is a descriptive quantitative approach with multiple linear regression analysis techniques. The results of statistical tests show that the CAR variable has no significant effect on ROA, while the NPF and BOPO variables have a negative and significant effect. Among the three variables, BOPO shows the most dominant effect on the decline in bank profitability. This study emphasizes the importance of operational efficiency and management of problematic financing in maintaining the level of profitability of Islamic banking. Therefore, it is recommended that management focus on efforts to increase efficiency and control financing risks to strengthen overall financial performance.
Co-Authors Afifah Salsabilla Ahlamul Jaris Gea Alnamira Alnamira Bahari Bahari Hasibuan, MHD. Mukhroni Perdana Irvan Maulana Muhammad Hafiz Mutiah Khaira Sihotang Nasution, Siti Zahra Amelia Putri NURUL KARIMAH Pani Akhiruddin Siregar Sinaga, Risva Nanda