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All Journal Journal of Humanities and Social Studies Journal of Management, Economic and Accounting (JMEA)
Suwifania, Jihan
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Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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The Influence Of Bi Rate And Exchange Rate On Income From Profit Sharing (Case Study On Bank Mega Syariah) Suwifania, Jihan; Nurwani, Nurwani; Sugianto, Sugianto
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.v9i2.12522

Abstract

This study aims to analyze the effect of BI Rate and exchange rate on profit sharing income. Profit sharing income is one of the main indicators of Islamic banking performance, which is influenced by various macroeconomic factors, including the benchmark interest rate (BI Rate) and the exchange rate. The method used in this study is quantitative with a multiple linear regression approach. The data used in this study are secondary data obtained from the official publication of Bank Indonesia, in the form of monthly BI Rate data, and the rupiah exchange rate against the US dollar, as well as monthly profit sharing income data from Bank Mega Syariah. The observation period in this study used data from January, March, May, July, September, and November, from 2020-2024, so that a total of 30 observation data were obtained. The results of the study indicate that the BI Rate has a positive effect on profit sharing income obtained from the results of the T test (sig. 0.000 0.05), while the T test of the exchange rate is 0.031 0.05, so that the exchange rate has a positive effect on profit sharing income. In addition, based on the F test, it is known that the sig. value. 0.000 0.05, then BI-Rate, and Exchange Rate together have a significant effect on Profit Sharing Income. This finding indicates that although Islamic banking does not use an interest system, changes in the BI Rate still affect customer investment preferences and market behavior. Therefore, strengthening risk management and diversifying financing portfolios are important in dealing with macroeconomic fluctuations.
Pemimpin Inovatif Dalam Manajemen SDM : Membangun Budaya Inovasi yang Berkelanjutan Gunawan, Gempa; Nasution, Zulhasby Assidqy; Aljuned, Raihani Azzahra; Suwifania, Jihan; Suhairi, Suhairi
Journal of Management, Economic and Accounting (JMEA) Vol. 3 No. 2 (2024): Volume 3 Issue 2 May 2024
Publisher : CV. Pusdikra Mitra Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/jmea.v2i2.1410

Abstract

Currently, technological developments in globalization are starting to give birth to new ways of completing several jobs in various sectors. Starting from manufacturing, services, to the banking business. This makes conditions demanded in various sectors through types of human resources that have competitiveness and are creative. It is intended that if the government sector receives human resources who do not have creativity and there is no innovation as a provision, it will cause the performance of an organization to not develop, and give everyone a negative stigma towards the government agency sector. Therefore, it is highly demanded aspects in competing to show the best in order to lead to good performance. Talking about innovation, innovation is a very much confused thing according to the positive side. Innovation is born from the existence of a creativity and curiosity in order to give birth to new studies.
Co-Authors Aljuned, Raihani Azzahra Gunawan, Gempa Nasution, Zulhasby Assidqy Nurwani Nurwani, Nurwani Sugianto Sugianto Suhairi Suhairi