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All Journal Alkhidmah: Jurnal Pengabdian dan Kemitraan Masyarakat JPS (Jurnal Perbankan Syariah)
Hasan Abdul Azis Naibaho, Muhammad
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Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Education Health Professions Law, Crime, Criminology & Criminal Justice

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Pelatihan dan Workshop Promosi Digital Produk Unggulan BUMDES Sebagai Penggerak Ekonomi Masyarakat di Desa Waru Kecamatan Parung Kabupaten Bogor Maulidizen, Ahmad; Nugraha, Risman; Haris Muctar, Abdul; Hasan Abdul Azis Naibaho, Muhammad; Rafi Thoriq, Muhammad; Afifah Zuhri, Nuha; Rahmah Zakiyah, Nur
ALKHIDMAH: Jurnal Pengabdian dan Kemitraan Masyarakat Vol. 1 No. 4 (2023): Oktober : Jurnal Pengabdian dan Kemitraan Masyarakat
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/alkhidmah.v1i4.527

Abstract

Badan Usaha Milik Desa (BUMDes) functions as a tool to drive rural economic development by harnessing the potential within the village. One of the main obstacles in BUMDes development is the lack of quality human resources. The goal of this PKM program is to provide training and workshops to the management of BUMDes in Desa Waru, focusing on the digital promotion of BUMDes' flagship products. The method employed in this PKM consists of training and workshops, which involve the delivery of materials and practical applications. The subjects of this activity include 15 members of the BUMDes management in Desa Waru. The outcome of this PKM is that digital promotion of BUMDes' flagship products is a smart step in addressing current economic challenges. By leveraging digital potential, BUMDes can increase product visibility, boost sales, and contribute to the economic development of the village.
The Effect of NPF and FDR on The Profitability of Sharia Commercial Banks with Murabahah Financing as Moderation Hasan Abdul Azis Naibaho, Muhammad; Maulidizen, Ahmad
JPS (Jurnal Perbankan Syariah) Vol 6 No 2 (2025): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v6i2.2490

Abstract

Purpose – This study aims to examine the influence of Non-Performing Financing (NPF) and the Financing to Deposit Ratio (FDR) on Return on Assets (ROA), while also assessing the moderating role of Murabahah financing in these relationships within Islamic Commercial Banks in Indonesia during 2018–2022. Method – The research uses a quantitative method supported by library research, involving moderated regression analysis with classical assumption tests, model feasibility tests, and hypothesis testing. The sample includes 10 Islamic banks selected through purposive sampling from a population of 17 registered with the Financial Services Authority. Findings – The findings reveal that NPF does not significantly affect ROA, while FDR negatively affects ROA. Murabahah financing moderates both the NPF–ROA and FDR–ROA relationships. Theoretically, this research contributes to Islamic banking performance literature, especially regarding the role of specific financing instruments. Implications – Practically, it implies that Islamic banks should diversify their financing portfolios, expand funding sources, and strengthen risk management to enhance profitability. Murabahah financing can help reduce credit risk, though it may elevate liquidity risk, requiring careful portfolio and liquidity planning
Co-Authors Afifah Zuhri, Nuha Ahmad Maulidizen Haris Muctar, Abdul Nugraha, Risman Rafi Thoriq, Muhammad Rahmah Zakiyah, Nur