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All Journal Journal of Humanities and Social Studies Ecobankers : Journal of Economy and Banking
Fransiska, Ira
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Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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The Effect of Equivalent Rate and Return on Assets on Asset Growth at BPRS Puduarta Insani Fransiska, Ira; Atika, Atika; Nurwani, Nurwani
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2 (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.12081

Abstract

This research aims to analyze the influence of Equivalent Rate and Return On Asset (ROA) on asset growth at the Sharia People's Credit Bank (BPRS) Puduarta Insani. The method used in this study is multiple linear regression analysis to examine the relationship between independent and dependent variables. The results indicate that the Equivalent Rate has a significant positive effect on the asset growth of BPRS, with a significance value (sig-t) of 0.045, which is less than 0.05. This indicates that an increase in the Equivalent Rate will be followed by an increase in asset growth. On the other hand, ROA shows a positive but insignificant relationship with asset growth, with a significance value (sig-t) of 0.687, which is greater than 0.05. These findings emphasize the importance of managing the Equivalent Rate in driving asset growth for BPRS, while ROA cannot be considered a primary indicator in this context. This research contributes to BPRS management in formulating more effective strategies to enhance asset performance.
Kontribusi Sistem Bagi Hasil Pembiayaan Mudharabah Terhadap Pengembangan UMKM Yang Berkemajuan Fransiska, Ira; Harahap, Muhammad Ikhsan
Ecobankers : Journal of Economy and Banking Vol. 5 No. 2 (2024): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v5i2.2684

Abstract

Penelitian ini bertujuan untuk mengkaji implementasi sistem bagi hasil pada pembiayaan mudharabah. Pembiayaan mudharabah merupakan salah satu bentuk pembiayaan dalam sistem keuangan syariah yang melibatkan kerjasama antara pihak pemilik dana (shahibul maal) dan pihak pengelola dana (mudharib) untuk mendapatkan keuntungan bersama. Penelitian ini akan menganalisis bagaimana sistem bagi hasil diterapkan dalam pembiayaan mudharabah, serta dampak dan manfaatnya bagi kedua belah pihak. Metode penelitian yang digunakan adalah studi literatur dan analisis data sekunder. Hasil penelitian diharapkan dapat memberikan pemahaman yang lebih mendalam tentang implementasi sistem bagi hasil pada pembiayaan mudharabah, serta rekomendasi untuk pengembangan lebih lanjut dalam praktik keuangan syariah
Co-Authors Atika Atika Harahap, Muhammad Ikhsan Nurwani Nurwani, Nurwani