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All Journal Jurnal Ilmiah Ekonomi Islam Journal of Islamic Studies and Education
Nungcahyani, Suci
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Pengaruh Pembiayaan Terhadap Profitabilitas (ROA) Pada Bank Umum Syariah Di Indonesia (2017-2022) Nungcahyani, Suci; Wahyudi, Agung
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11748

Abstract

This study aims to show the effects of mudharaba financing, musharaka financing, and ijara financing as well as partially and stimulants the profitability of Return On Asset (ROA) at Sharia Commercial Banks (BUS) in Indonesia. This study is quantitative research using secondary data in the form of panel data. The population used in the study is 13 Sharia Commercial Banks in Indonesia. Sample collection used a purposive sampling so that 5 bank units according to the criteria with a total of 120 sample data are obtained. As for data analysis techniques using model selection methods, classical assumption tests, panel data regression, and hypothesis tests. The results of the research show that partial mudharaba financing has no effect and is not significant on ROA on BUS. Musyaraka financing has a positive and significant effect on ROA in BUS. Ijarh financing has a negative and significant effect on ROA on BUS. Meanwhile, the stimulant financing of mudharaba, musyaraka, and ijara has a significant effect on ROA on BUS.
Assessing the Performance of Bank Syariah Indonesia (BSI) through Shariah Conformity and Profitability (SCnP) Framework: A 2021-2023 Analysis Saputri, Riski; Hidayah, Khofifah Nur; Wilyaningtyas, Maghfira; Nungcahyani, Suci
Journal of Islamic Studies and Education Vol. 2 No. 3 (2024)
Publisher : Presscience

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63120/jise.v3i2.45

Abstract

This study evaluates the performance of Bank Syariah Indonesia (BSI) using the Shariah Conformity and Profitability (SCnP) framework. The research focuses on the 2021-2023 period, utilizing a descriptive quantitative approach to analyze the bank's performance. The data employed in this study are secondary, derived from the annual financial reports of PT Bank Syariah Indonesia, obtained through its official website. The results reveal a significant shift in BSI's financial performance over the analyzed period. In 2021, BSI was positioned in the Upper Left Quadrant (ULQ), indicating moderate profitability with relatively lower alignment to Shariah principles. However, in 2022 and 2023, BSI transitioned to the Upper Right Quadrant (URQ), reflecting an improvement in both profitability and adherence to Shariah principles. These findings provide insights into the dynamic development of BSI's financial and Shariah performance, highlighting its progress toward achieving an optimal balance between profitability and Shariah compliance.
Pengaruh Pembiayaan Terhadap Profitabilitas (ROA) Pada Bank Umum Syariah Di Indonesia (2017-2022) Nungcahyani, Suci; Wahyudi, Agung
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11748

Abstract

This study aims to show the effects of mudharaba financing, musharaka financing, and ijara financing as well as partially and stimulants the profitability of Return On Asset (ROA) at Sharia Commercial Banks (BUS) in Indonesia. This study is quantitative research using secondary data in the form of panel data. The population used in the study is 13 Sharia Commercial Banks in Indonesia. Sample collection used a purposive sampling so that 5 bank units according to the criteria with a total of 120 sample data are obtained. As for data analysis techniques using model selection methods, classical assumption tests, panel data regression, and hypothesis tests. The results of the research show that partial mudharaba financing has no effect and is not significant on ROA on BUS. Musyaraka financing has a positive and significant effect on ROA in BUS. Ijarh financing has a negative and significant effect on ROA on BUS. Meanwhile, the stimulant financing of mudharaba, musyaraka, and ijara has a significant effect on ROA on BUS.
Co-Authors Agung Wahyudi Hidayah, Khofifah Nur Saputri, Riski Wilyaningtyas, Maghfira