Article Per Year (5 Year)
p-Index From 2020 - 2025
0.408
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All Journal International Journal of Education, Vocational and Social Science International Journal of Economics and Management Research
Catur Wahyudi
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Analysis of ROA, Interest Rate, FDR, and NPF Effects on Mudharabah Deposit Profit-Sharing Rates in Islamic Banks 2020–2024 Nida Meilanda Afanin; Suwandi Suwandi; Catur Wahyudi
International Journal of Economics and Management Research Vol. 4 No. 3 (2025): December : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v4i3.535

Abstract

This research analyzes the influence of ROA, Reference Interest Rate, FDR, and NPF on the profit-sharing rate of mudharabah deposits at Islamic Commercial Banks from 2020 to 2024. This is a quantitative study using secondary data from annual financial reports. The research uses 9 samples from a population of 16, selected through purposive sampling method. The analysis methods used include descriptive statistics, classical assumption tests, and multiple linear regression with the help of SPSS 27. The results show that the interest rate and FDR have a significant effect on the profit-sharing rate of mudharabah deposits, while ROA and NPF do not show a significant effect. However, simultaneously, all four variables significantly influence the profit-sharing rate. This study indicates that interest rates and FDR are key factors in improving profit-sharing, and emphasizes the importance of banks adjusting their strategies to macroeconomic conditions and the effectiveness of financing. On the other hand, ROA and NPF have proven to have less influence. This research provides practical implications for the management of Islamic banks and investors that adjustments to interest rates and FDR have a greater impact on increasing profit-sharing compared to only focusing on profitability or financing risk. This study also contributes to the literature on Islamic finance by identifying the key factors that influence the profit-sharing rate of mudharabah deposits in the Islamic banking market in developing countries.
Social Relations and Local Community Adaptation to the Presence of Mining Corporations in Banyuwangi Sudarsono; Bonaventura Ngw; Catur Wahyudi
International Journal of Education, Vocational and Social Science Vol. 4 No. 04 (2025): September - November, International Journal of Education, Vocational and Socia
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijevss.v4i04.2510

Abstract

This study aims to analyze the dynamics of social relations and forms of adaptation of local communities to the presence of the mining company PT. Bumi Suksesindo (PT BSI) in Sumberagung Village, Pesanggaran District, Banyuwangi Regency. The presence of the gold mining industry has significantly changed the social, economic, and cultural structure of the community. This study uses a qualitative approach with a case study method, through data collection techniques in the form of field observations, in-depth interviews with the community, company officials, and government officials, as well as documentation. Data analysis was conducted interactively through the stages of data reduction, data presentation, and conclusion drawing. The results of the study show that the social relationship between the community and PT BSI is dynamic and complex, reflecting a process of negotiation between economic, social, and ecological interests. The community showed three main patterns of response to the presence of the mine: (1) cooperative, through involvement in corporate social responsibility (CSR) programs; (2) adaptive, by adjusting economic and social activities to changes in their living space; and (3) resistant, through rejection or criticism of the perceived environmental and social impacts. These patterns form a layered configuration of social relations between the community, the company, and the government, in which processes of accommodation and conflict occur simultaneously. This study concludes that the success of social relations between mining companies and local communities is highly dependent on two-way communication, policy transparency, and respect for the social values and local wisdom of the community. The implications of this study emphasize the importance of participatory social interaction models as the basis for equitable and sustainable community-corporate relationship management in mining areas
Co-Authors Bonaventura Ngw Nida Meilanda Afanin Sudarsono Suwandi Suwandi