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The Influence of Mudharabah, Murabahah, and Ijarah Financing on Return on Assets in Islamic Commercial Banks in Indonesia Swarli, Yousf Bellin
Jurnal Riset Ilmu Pendidikan Vol. 5 No. 3 (2025): Jurnal Riset Ilmu Pendidikan
Publisher : Lembaga Riset Mutiara Akbar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/jrip.v5i3.1242

Abstract

The purpose of this study is to analyze the influence of Mudharabah, Murabahah and Ijarah variables on the Return on Assets (ROA) of Indonesian Islamic General Banking based on business units carried out in the period January 2019 to December 2023. The data analysis method used is multiple linear regression including the classical assumption test. Based on the results of the partial test (T-Test) the Mudharabah variable does not have a significant effect on Return on Assets (ROA) because the significance value is 0.402 more than 0.05 with a positive direction of influence or coefficient value. The Murabahah variable has a significant effect on Return on Assets (ROA) because the significance value is 0.00 less than 0.05 with a positive direction of influence or coefficient value. The Ijarah variable has a significant effect on Return on Assets (ROA) because the significance value is 0.02 less than 0.05 with a positive direction of influence or coefficient value. The results of the simultaneous test (F Test) of all independent variables (Mudharabah, Murabahah, Ijarah) significantly influence the dependent variable (Return on Asset) with a significance value of 0.00 less than 0.05. The influence of independent variables simultaneously on the dependent variable is 27.9% and 72.1% is influenced by other variables outside the study or outside the regression model.
Forecasting Red Cayenne Chili Prices to Maintain Inflation Stability in West Nusa Tenggara Masani, Sab'ul; Raisa, Daeva Mubarika; Suryaningrum, Dyah Ayu; Nasution, Ade Rezkika; Swarli, Yousf Bellin
Tarjih : Agribusiness Development Journal Vol. 5 No. 2 (2025): VOLUME 05, NOMOR 02, DESEMBER 2025
Publisher : Program Studi Agribisnis Universitas Muhammadiyah Sinjai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47030/tadj.v5i2.1027

Abstract

Inflation is a key challenge in economic management because it directly influences purchasing power, living costs, and price stability. In West Nusa Tenggara Province, red cayenne pepper is a volatile food commodity and a major contributor to regional inflation due to sharp price fluctuations and high consumption. This study aims to develop a price forecasting model for red cayenne pepper using the Triple Exponential Smoothing (Holt–Winters) method, which accounts for level, trend, and seasonal components to reflect dynamic price movements. The study uses monthly red cayenne pepper price data from January 2022 to June 2025 sourced from the National Food Agency. Descriptive analysis is applied to identify price characteristics and movement patterns, while inferential analysis is used to estimate the forecasting model. The smoothing parameters α, β, and γ are optimized using EViews and Microsoft Excel to determine the best model specification. The results show that the optimal parameters are α = 0.1, β = 0.3, and γ = 0.3. The model successfully captures seasonal price behavior and achieves a Mean Absolute Percentage Error (MAPE) of 37.54% and a Root Mean Squared Error (RMSE) of 25,557.5, indicating acceptable forecasting performance for a volatile commodity. Forecasts for July 2025 to June 2026 indicate substantial price variability, with the lowest projected price occurring in October 2025 at IDR 58,862.32 per kilogram and the highest in March 2026 at IDR 145,004.93 per kilogram. Seasonal patterns reveal price declines during peak harvest periods and sharp increases during supply shortages.