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Pengaruh Inflasi, Financing To Deposit Ratio (FDR) Dan Efisiensi Operasional Terhadap Return On Asset (ROA): Studi Kasus Bank Syariah Listing BEI Nida Nurhayani Pohan; Kamilah Kamilah; Rahmat Daim Harahap
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.443

Abstract

This study aims to analyze the effect of inflation, financing to deposit ratio (FDR), and operational efficiency on return on assets (ROA) in the financial sector. ROA is an important performance indicator for financial companies, because it reflects the level of profitability of the assets owned. The research method used is regression analysis with annual data from various financial companies during the study period. Inflation is measured using the consumer price index (CPI), FDR describes the ratio between loans provided by banks and deposits received from customers, and operational efficiency is measured by the ratio of operating costs to operating income. The results of this study provide useful insights for the management of financial companies in facing challenges from economic and operational factors. To increase ROA, companies need to consider effective inflation risk management strategies and optimize the FDR ratio, while still focusing on improving their operational efficiency.
Peran Infaq dan Shadaqah dalam Mewujudkan Keadilan Sosial: Kajian Tematik Al-Qur’an dan Hadis Nida Nurhayani Pohan; Nurhayati; Yenni Samri Juliati Nasution
Lathaif: Literasi Tafsir, Hadis dan Filologi Vol. 4 No. 2 (2025): Lathaif: Literasi Tafsir, Hadis dan Filologi
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/lathaif.v4i2.15891

Abstract

This study aims to analyze the concepts of infaq and sadaqah in the Qur'an and Hadith through a qualitative approach using the maudhu'i (thematic) method. The theological-normative approach is used to explore the meaning of Islamic teachings on generosity, while the social approach is utilized to examine their relevance in contemporary Islamic philanthropic practices. Data were collected through a literature review of Qur'anic verses, Hadith, tafsir books, Islamic jurisprudence literature, Islamic economics, and previous research. The study results indicate that infaq and sadaqah play a strategic role in realizing social justice through the distribution of assets that is trustworthy, equitable, and oriented toward empowerment. The research findings also reveal the need to integrate Islamic normative principles with the design of a modern ZIS program that is more participatory, measurable, and sustainable. This study offers a conceptual model that can serve as a basis for maintaining Islamic philanthropic management to make it more effective, contextual, and have a real impact on society.