Article Per Year (5 Year)
p-Index From 2021 - 2026
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This Author published in this journals
All Journal Journal of Educational Management Research Journal of Ekonomics, Finance, and Management Studies
Kumaidi Kumaidi
Institut Darul Ulum Sarolangun
Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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Examining ROA, ROE, and FDR Contributions to CAR BSI During PostPandemic (2021-2023) Kumaidi Kumaidi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i3.7478

Abstract

This study was conducted to determine the effect of Return on Assets (ROA), Return on Equity (ROE), and Financing to Deposit Ratio (FDR) on financial performance, both simultaneously and partially, in relation to the Capital Adequacy Ratio (CAR). The research focuses on Bank BSI Syariah Indonesia, and the research sample is based on secondary data from annual reports released between 2021 and 2023. To analyze the data, this study uses SPSS 18. Several stages of analysis include conducting multiple linear regression tests, which encompass T and F hypothesis tests. The analysis results show that ROA has a significant positive effect on CAR, meaning that the higher the ROA, the greater the bank's capital adequacy. Conversely, ROE and FDR show a negative effect on CAR, as an increase in both variables is inversely related to CAR values. These findings provide valuable insights for bank management to improve financial performance and maintain capital stability. It is hoped that this research will contribute to the literature on Islamic finance and assist regulators in formulating policies that support the stability of the Syariah banking sector in Indonesia.
Navigating Human Resource Challenges in Madrasah: Implications for Islamic Education Policy Implementation Mawardi; Candra; Kumaidi
Journal of Educational Management Research Vol. 2 No. 2 (2023)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v2i2.556

Abstract

This study aims to analyze managerial problems and structural barriers in the management of human resources (HR) in madrasas and their implications for the implementation of the latest Islamic Education policy. The study used a qualitative approach with a case study design. Data were collected through in-depth interviews with madrasah principals, vice principals, and teachers, observations of managerial practices and learning, and documentation studies related to HR management. Data analysis was carried out through the stages of data condensation, data presentation, and continuous verification of findings. The results show that HR management in madrasas is still dominated by an administrative and reactive orientation, exacerbated by a rigid bureaucratic structure and limited access to professional development. This condition results in a mismatch between the competencies of educators and Islamic Education policy standards and impacts the implementation of policies that are not uniform across learning levels. The implications of this study emphasize the importance of strengthening competency-based HR management, structural flexibility, and continuous professional development programs to improve the effectiveness of Islamic Education policies in madrasas.
Co-Authors Candra Mawardi