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All Journal Journal of Financial and Business
Al Insani Mutiara Ramadhan
Universitas Pahlawan Tuanku Tambusai
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Financial Performance Analysis of PT Bank Syariah Indonesia Al Insani Mutiara Ramadhan; Wahyu Febri Ramadhan Sudirman; Hidayat Hidayat
Journal of Financial and Business Vol 1 No 1 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i1.18

Abstract

This research aims to analyze the financial performance of PT Bank Syariah Indonesia (BSI) from 2022 to 2023 through evaluating main financial ratios. The data used includes current ratio, quick ratio, return on assets (ROA), return on equity (ROE), and capital adequacy ratio (CAR). Analysis is carried out to understand changes in bank financial conditions and their implications for stability and operational performance. the analysis results show a significant increase in short-term liquidity with an increase in the current ratio and quick ratio, which reflects better liquidity management. Increasing ROA and ROE indicate increased efficiency in the use of assets and equity to generate profits. In addition, the increase in CAR confirms that BSI has stronger capital reserves to face financial risks. These findings paint a positive picture of BSI's financial health and support investor and stakeholder confidence in the bank's future.
The Role of Baitul Maal Wat Tamwil (BMT) in Community Economic Empowerment Al Insani Mutiara Ramadhan; Muhammad Zaim; Sela Hermawati; Wahyu Febri Ramadhan Sudirman; Muhammad Syaipudin
Journal of Financial and Business Vol 1 No 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i2.30

Abstract

This study aims to examine the role of Baitul Maal wat Tamwil (BMT) in empowering the community's economy, especially in areas with low levels of economic welfare. BMT as a sharia-based microfinance institution has two main functions: a social fund management institution (Baitul Maal) and a commercial financial institution (Baitul Tamwil). This study uses a qualitative approach with a case study method on several BMTs in the research area. Data were collected through in-depth interviews, observations, and documentation, then analyzed using thematic analysis techniques. The study results indicate that BMT has contributed to improving the community's standard of living through micro-business financing, entrepreneurship training, and management of social funds in the form of zakat, infaq, and sedekah. In addition, BMT also plays a role in strengthening the community's social capital by encouraging active participation in community-based economic activities. The obstacles BMT faces in economic empowerment include limited capital, lack of financial literacy in the community, and challenges in maintaining sharia principles amidst competition from conventional financial institutions.
Analysis of the Relationship between Inflation and Interest Rates on Investment Decisions in the Capital Market: A Literature Review Al Insani Mutiara Ramadhan; Wahyu Febri Ramadhan Sudirman
Journal of Financial and Business Vol 3 No 1 (2026)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jfb.v3i1.88

Abstract

This study aims to analyze the relationship between inflation, interest rates, and investment decisions in the capital market based on a literature review. Inflation and interest rates are macroeconomic indicators frequently considered by investors when making investment decisions because they are related to investment returns and risk. This study employed a literature review method, reviewing various relevant scientific journal articles, books, and official publications. The literature was selected based on its relevance to the research topic, the credibility of the sources, and the recency of the publications to gain a comprehensive understanding of the relationships between the variables studied. The results of the literature review indicate that high inflation rates tend to reduce investor interest in the capital market due to reduced purchasing power and increased economic uncertainty. Furthermore, rising interest rates encourage investors to shift funds to financial instruments offering more stable returns, such as deposits and bonds. Conversely, controlled inflation and stable interest rate policies can create a conducive economic climate for investment growth in the capital market. Based on the synthesis of various literature, inflation stability and appropriate interest rate policies are important factors supporting capital market development and are key considerations in investment decision-making.
Co-Authors Hidayat Hidayat Muhammad Syaipudin Muhammad Zaim Sela Hermawati Wahyu Febri Ramadhan Sudirman