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All Journal Jurnal Nusantara Berbakti JPS (Jurnal Perbankan Syariah)
Hasan Abdul Azis Naibaho, Muhammad
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Humanities Economics, Econometrics & Finance Education Health Professions Law, Crime, Criminology & Criminal Justice Mechanical Engineering Social Sciences

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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
Pelatihan dan Workshop Pengembangan Produk Unggulan BUMDES Sebagai Penggerak Ekonomi Masyarakat di Desa Waru Kecamatan Parung Kabupaten Bogor Maulidizen, Ahmad; Nugraha, Risman; Haris Muchtar, Abdul; Hasan Abdul Azis Naibaho, Muhammad; Rafi Thoriq, Muhammad; Afifah Zuhri, Nuha; Rahmah Zakiyah, Nur
Jurnal Nusantara Berbakti Vol. 1 No. 4 (2023): Oktober : Jurnal Nusantara Berbakti
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jnb.v1i4.253

Abstract

BUMDes serves as a tool to drive rural economic development by harnessing the potential within the village. One of the primary obstacles in the development of BUMDes is the lack of qualified human resources. The aim of this Community Service Program (PKM) is to provide training and workshops to the management of BUMDES in Desa Waru, focusing on developing BUMDES flagship products. The method employed in this PKM involves training and workshops, which include both theoretical instruction and practical application of the materials provided. The participants in this activity consist of 15 individuals who are part of the management team of BUMDES in Desa Waru. As a result of this PKM, BUMDES in Desa Waru now possesses several flagship products that can be further developed, including "Snack Si Engkong" made from cassava, a Savings and Loans Cooperative, and a trendy concept Café business. The training and workshop on Village-Owned Enterprises (BUMDes) as an Economic Driver for the Community in Desa Waru, Parung District, Bogor Regency, have been conducted smoothly, without significant issues. The materials provided in this activity were well-suited to the needs of the participants, who also serve as the management team of BUMDES in Desa Waru.
Co-Authors Afifah Zuhri, Nuha Ahmad Maulidizen Haris Muchtar, Abdul Haris Muctar, Abdul Nugraha, Risman Rafi Thoriq, Muhammad Rahmah Zakiyah, Nur