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The Influence of NPF, ROA, CAR and FDR On The Financial Distress Of Sharia Bank in The Indonesia Period 2017-2022 Muannasa, Aulia; Muntazeri, Eliya Najma; Rahmawati, Lilik
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 1 (2023): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v8i1.2909

Abstract

This study aims to see how Non-Performing Financing (NPF), Return on Assets (ROA), Capital Adequacy Ratio (CAR), and Financing to Deposit Ratio (FDR), affect Financial Distress with the Altman Z-Score method approach. The sample of this study used a purposive sampling method and obtained 10 Islamic commercial banks in Indonesia for analysis. The data in this study comes from the annual reports of Islamic Commercial Banks. This study will be analyzed with a panel data regression model. The results of this study indicate that the Capital Adequacy Ratio (CAR) has a significant positive effect on financial distress, while NPF, ROA, and FDR have no significant effect on financial distress during the 2017-2022 period.
Fintech Waqf for MSMEs Empowerment in Indonesia Muannasa, Aulia
Li Falah: Journal of Islamic Economics and Business Vol. 7 No. 2 (2022): December 2022
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v7i2.5339

Abstract

This research suggests that the cash waqf model with a crowd-funding platform in a business project can empower MSMEs to advance the Indonesian economy. This study uses a qualitative approach which is descriptive research. This research describes Sharia Financial Technology (SFT) as a means of integrating solutions to empower MSME companies developed by youth on a waqf basis. The data collection utilizes a literature study from relevant literature such as books, journals or scientific articles related to the chosen topic. The study results show that cash waqf schemes and crowd-funding schemes have helped Islamic banks with speed and accuracy in processing business operation data and product marketing. This finding means that for MSMEs, the existence of Fintech helps to get convenience and efficiency in finance and capital. The implication is that waqf fintech helps develop the community's economic welfare through empowerment, especially for MSMEs. Furthermore, the existence of cash waqf with crowd-funding innovation is very easy for prospective waqifs to make cash waqf.