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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam International Journal of Islamic Economics (IJIE) Journal of Sharia Business Management
M. Radian Syah
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Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences Other

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Financial Performance Analysis of Islamic Banks and Conventional Banks at Bank Syariah Indonesia and Bank Negara Indonesia 2021-2023 Harahap, M. Guffar; Rozainun Haji Abdul Aziz; M. Radian Syah; Ami Nullah Marlis
Jurnal Internasional Ekonomi Islam Vol 7 No 01 (2025): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v7i01.10229

Abstract

Introduction: Banking is a financial sector that plays an important role in circulating national and global money. An analysis of banking financial performance is necessary to maintain good money circulation. Objective: This study was conducted to determine the financial performance of Islamic and conventional banks, namely Bank Syariah Indonesia and Bank Negara Indonesia, for 2021-2023. Method: This study uses quantitative methods and secondary data. Data collection techniques are done through observation or research on the company's online media. Data analysis was carried out using financial ratios in banking, namely Capital Adequacy Ratio, return on assets, Return on Equity, Non-Performing loans, Operating Costs, Operating Income, and Loan-to-Deposit Ratio, by comparing the results of the analysis of the two banks with their average values. Results: The study's results show that Bank BSI excels in the Capital Adequacy Ratio, return on assets, and Non-Performing Loan ratios, which indicate that this bank has a strong strategy in risk management and sharia-based business expansion. Meanwhile, Bank BNI excels in the Return on Asset ratio, Operating Costs to Operating Income, and Loan to Deposit Ratio, which shows a better ability to manage assets, control operating costs, and maintain funding balance. Implications: These findings provide strategic insights for policymakers, banking management, and investors in evaluating the strengths and challenges of each banking model. Understanding the competitive advantages between Islamic and conventional banks can be a basis for financial decision-making and developing future banking industry policies.
Analisis Kualitas Pelayanan dalam Meningkatkan Kepuasan Nasabah Penerima Manfaat Bank Wakaf Mikro (BWM) Mawaridussalam Pradesyah, Riyan; Munawaroh; M. Radian Syah; Asmawarna Sinaga; Safira Khoirunnisa
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (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.v6i5.7237

Abstract

This study aims to analyze the partial and simultaneous influence of the variables Reliability (X1), Tangibles (X2), Responsiveness (X3), and Assurance (X4) on customer satisfaction (Y) beneficiaries of the mawaridussalam micro waqf bank. The respondents used in the study were 100 people, and the research approach used in completing the research was a quantitative approach. The analysis tool used in data processing is SmartPLS, the findings obtained in this study, that there is a partial influence of the Reliability (X1) and Responsiveness (X3) variables on customer satisfaction (Y) of the beneficiaries of the mawaridussalam micro waqf bank. Meanwhile, the variables Tangibles (X2) and Assurance (X4) have no influence on the customer satisfaction variable (Y). Simultaneously, there is a strong influence of the variables Reliability (X1), Tangibles (X2), Responsiveness (X3), and Assurance (X4) on the variables of Customer Satisfaction (Y) of the beneficiaries of the mawaridussalam micro waqf bank.
PENGARUH SUKUK KORPORASI DAN TOTAL ASET PERBANKAN SYARIAH TERHADAP PERTUMBUHAN EKONOMI M. Radian Syah
INTERNATIONAL, Journal of Sharia Business Management Vol 1 No 1 (2022): September
Publisher : CV. Barokah Publsiher

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh sukuk korporasi dan total aset perbankan syariah terhadap pertumbuhan ekonomi di Indonesia. Penelitian ini menggunakan dua variabel independen sukuk korporasi dan total aset perbankan syariah dengan satu variabel dependen yaitu pertumbuhan ekonomi. Dalam penelitian ini yang menjadi populasi yaitu data dari lembaga Otoritas Jasa Keuangan (OJK) dan Badan Pusat Statistik (BPS) yang mengenai data sukuk korporasi, total aset perbankan syariah dan pertumbuhan ekonomi nasional selama delapan tahun terakhir, yaitu data tahun 2016 sampai dengan 2020 dengan menggunakan interpolasi data sebanyak 60 data dan menggunakan teknik sampel jenuh yaitu seluruh data dari tahun 2016 – 2020. Metode analisis data yang digunakan adalah analisis kuantitatif dengan data sekunder. Hasil penelitiannya secara parsial sukuk korporasi berpengaruh positif dan signifikan terhadap pertumbuhan ekonomi. Secara parsial total aset perbankan syariah berpengaruh negatif dan signifikan terhadap pertumbuhan ekonomi. Nilai t tabel sebesar 1.67203. jika dibandingkan dengan t hitung 8.086248 > dari t tabel 1.67203 maka dapat dikatakan variabel sukuk korporasi berpengaruh terhadap pertumbuhan ekonomi. Kemudian variabel total aset perbankan syariah memiliki t hitung sebesar 10.22120 > dari t tabel 1.67203 artinya variabel total aset perbankan syariah berpengaruh terhadap pertumbuhan ekonoomi. Secara simultan (sama-sama) variabel independen sukuk korporasi dan total aset perbankan syariah berpengaruh dan signifikan terhadap pertumbuhan ekonomi dengan nilai probability 0.0000 < 0,05. Jadi kedua variabel independen sukuk korporasi dan total aset perbankan syariah dapat menjadi faktor-faktor yang mempengaruhi pertumbuhan ekonomi.
Co-Authors Ami Nullah Marlis Asmawarna Sinaga Harahap, M. Guffar Munawaroh Pradesyah, Riyan Rozainun Haji Abdul Aziz Safira Khoirunnisa