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All Journal Tujjar International Journal of Islamic Economics Development
Widiarni, Anis
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Religion Humanities

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Capital Adequacy Analysis of Indonesian Sharia Bank: 2015-2022 Fitri, Amatul; Widiarni, Anis; Sari, Rani Puspita; Tanassy, Rika Putri; Sahara, Sahara
TUJJAR INTERNATIONAL JOURNAL OF ISLAMIC ECONOMICS DEVELOPMENT Vol 1 No 1 (2023): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v1i1.5725

Abstract

This study aims to examine the effect of profitability (ROA), liquidity (FDR), and non-performing financing (NPF) on the Capital Adequacy Ratio (CAR). This research is descriptive qualitative research. The population and sample in this study are the annual financial statements of Bank Syariah Indonesia for the period 2015-2022 which are registered with the Financial Services Authority. Data was collected by recording documents and analyzed by interactive model analysis. The results of the study show that (1) profitability (ROA) has a negative effect on Capital Adequacy Ratio (CAR), (2) Liquidity (FDR) has an effect on Capital Adequacy Ratio (CAR), and (3) problem financing (NPF) has an effect on Capital Adequacy Ratio (CAR).
Indomaret Promotion Systems in Pontianak City: Fiqh Muamalah Perspective Primayudia, Doddy; Fitri, Amatul; Widiarni, Anis; Sari, Rani Puspita; Tanassy, Rika Putri
TUJJAR INTERNATIONAL JOURNAL OF ISLAMIC ECONOMICS DEVELOPMENT Vol 1 No 1 (2023): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v1i1.5728

Abstract

One form of Muamalah that is most often done by humans in general is buying and selling. In buying and selling activities, the term Promotiontion is often encountered, one form of Promotiontion in buying and selling practices is price discounts or discounts. The purpose of this study is to find out the practice of buying and selling in the Promotion system at Indomaret and to find out how the employee regulations in the practice of buying and selling. This type of research belongs to field research, where data is obtained from primary data in the form of interviews and observations, while secondary data is obtained from literature and data documentation. As for the results of this study, namely in the practice of buying and selling in the Promotion system, buyers are required to fulfill the requirements for purchasing goods with a predetermined minimum total expenditure. Indomaret itself also has a period once a week in conducting Promotiontions. Regulations against employees are allowed to buy the product being Promotionted, even though there is no written regulation for the employee himself, but if he takes other people's rights in purchasing the product being Promotionted, he will get a verbal or written warning sanction if known by Indomaret. The legal basis for buying and selling at Indomaret must be the willingness of both parties in the transaction. Whereas in the perspective of fiqh Muamalah, the Promotion system in buying and selling practices at Indomaret, to be precise, on Jalan Jenderal Urip Pontianak, West Kalimantan City, is permissible as long as no party feels disadvantaged and in accordance with Islamic law.
THE INFLUENCE OF DIGITAL LITERACY AND KNOWLEDGE OF FIQH MUAMALAH ON THE DESIRE TO BE A DROPSHIPPER IN BUYING AND SELLING PRACTICES ON E-COMMERCE PLATFORMS Widiarni, Anis; Anshori, Aiyub; Susanto, Dedy
TUJJAR INTERNATIONAL JOURNAL OF ISLAMIC ECONOMICS DEVELOPMENT Vol 2 No 1 (2024): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v2i1.7951

Abstract

E-commerce and digital marketing-based businesses have become a routine for entrepreneurs to run their businesses, which involve buying and selling systems and transactions online through the use of e-commerce platforms. In utilizing the e-commerce platform, which can foster the community for entrepreneurship, it is necessary to conduct research to analyze the effect of digital literacy and religious knowledge on the dropshipper's desire to practice buying and selling on the e-commerce platform. This study uses a quantitative method, which is a process to find the results of knowledge in the form of data. as a medium for analyzing information regarding what is sought in this study. By means of collection techniques and data collection tools sourced from the population (dropshipper) in the city of Pontianak, through an online form filled in by a questionnaire, the population being an indicator sample of 30 people. Which will later be collected and analyzed based on predetermined methods to determine the contents of the problem formulation in this study. Based on the results of the study, it can be seen that the T Statistic value of the effect of Digital literacy on the desire to become a dropshipper is 0.957, so the T statistic is 0.05. It can be seen that Ha: the influence of digital literacy has no significant effect on the desire to become a dropshipper. Based on the research results, it is known that the T statistic value of muamalah fiqh knowledge on the desire to become a dropshipper is 3.787, so the T statistic > 1.96. The P value is 0.000, so the P value < 0.05. It can be seen that Ho: muamalah fiqh knowledge has a significant effect. on the desire to become a dropshipper. The effect of digital literacy has no significant effect, which means that respondents who are running a business with a dropshipper system assume that the effect of digital literacy has no effect on buying and selling practices on the commerce platform, and muamalah fiqh knowledge is very influential, which means that respondents who are running a business with a dropshipper system assume that muamalah fiqh knowledge is very influential on buying and selling practices on the e-commerce platform.
Co-Authors Aiyub Anshori Dedy Susanto Fitri, Amatul Primayudia, Doddy Sahara Sahara Sari, Rani Puspita Tanassy, Rika Putri