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All Journal Wahana Islamika; Jurnal Studi Keislaman
Suryani
Universitas Islam Negeri Sultan Maulana Hasanuddin Banten, Indonesia
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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MINAT MASYARAKAT MEMILIH PEMBIAYAAN DI PNM MEKAR SYARIAH CABANG KRONJO KABUPATEN TANGERANG MENURUT PERSPEKTIF EKONOMI ISLAM Afifah Nazla Sevina; Suryani; Ratu Humaemah
Wahana Islamika Jurnal Studi Keislaman Vol. 8 No. 2 (2022): Wahana Islamika: Jurnal Studi Keislaman
Publisher : Institut Agama Islam Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/a8r7zc74

Abstract

Many people in Kronjo Tangerang Regency, have become customers at PNM Mekar Syariah as an effort to increase their business capital. This is evidenced by the increasing number of customers of PNM Mekar Syariah Branch Kronjo Tangerang Regency from year to year. The purpose of this study is to find out the factors that influence public interest in choosing financing at PNM Mekar Syariah. The method used in this research is descriptive qualitative research. The data sources used are primary data sources and secondary data sources. The data was obtained using the triangulation technique of data sources, by combining data collection with observation techniques, structured interviews and documentation. The results of this study indicate that the public's view of financing at PNM Mekar Syariah Kronjo Branch, Tangerang Regency is good and helps people who need capital to run their business or want to open a business but do not have capital. PNM Mekar Syariah Branch Kronjo in its financing system uses sharia principles and has three contracts used, namely wadi'ah contracts, wakalah contracts and murabahah contracts. The factors that influence people's interest in choosing financing are the need factor, religiosity factor, social class factor and service quality.  
EFISIENSI KINERJA SEBELUM DAN SAAT PANDEMI COVID-19 PADA PRODUK PEMBIAYAAN (Studi Pada PT. Mandiri Utama Finance) Zaiz Fisabilillah; Suryani; Efi Syarifudin
Wahana Islamika Jurnal Studi Keislaman Vol. 9 No. 2 (2023): Wahana Islamika: Jurnal Studi Keislaman
Publisher : Institut Agama Islam Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/8sx93v17

Abstract

Companies face challenges in achieving efficiency levels during the Covid-19 pandemic. Efficiency is a benchmark in measuring a company's financial performance. The DEA method as a non-parametric approach is used to measure the efficiency of PT. Mandiri Utama Finance. In this research, the research variable is the input variable consisting of Total Assets, Equity and Liabilities. Output Variables consist of Operating Income and Consumer Financing. Testing with the CRS model shows that the efficiency value in 2017 was 94.92% meaning it was not efficient, 2018 was 100% meaning it was efficient, in 2019 it dropped to 97.86% meaning it was not efficient. In 2020 and 2021 both get 100% meaning achieving efficiency. As for testing with the VRS model, the efficiency value from 2017 to 2018 obtained 100% meaning efficient, in 2019 it decreased to 98.83% which means inefficient and in 2020-2021 PT Mandiri Utama Finance achieved an efficiency value of 100% the same as the results of the CRS model. Based on DEA calculations on both the CRS and VRS models which show differences during the pandemic and before the pandemic, namely before the 2017-2019 pandemic, PT. Mandiri Utama Finance is not in a perfectly efficient position, in contrast to 2020-2021, where in that year a pandemic was occurring in Indonesia, which actually scored 100%.
KESEHATAN BANK TERHADAP PERTUMBUHAN LABA PADA BANK TABUNGAN PENSIUN NASIONAL SYARIAH PERIODE 2014-2021 Noer Cholifa Mauliddia; Suryani; Henny Saraswati
Wahana Islamika Jurnal Studi Keislaman Vol. 10 No. 1 (2024): Wahana Islamika: Jurnal Studi Keislaman
Publisher : Institut Agama Islam Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/4yhz4623

Abstract

The Financial Services Authority noted that one of the of Sharia Commercial Banks that experienced a decline in profit was the Bank Tabungan Pensiun Nasional Syariah, which experienced a decrease in profit in 2020, which was minus 38.9%. This study aims to determine the effect of the NPF, FDR, ROA, NI and CAR to profit growth at the Bank Tabungan Pensiun Nasional Syariah. The population in this study were 15 Bank Umum Syariah and purposive sampling technique, 1sample was obtained which was used in this study. The analysis technique used is descriptive statistics, classical assumption test: normality, multicollinearity, heteroscedasticity, and autocorrelation, multiple regression analysis, correlation coefficient test (r), coefficient of determination test (adjusted r square), f test (simultaneous) and t test (Partial). The results showed that NPF, FDR, ROA, and NI partially had no effect on profit growth, while CAR had a partial effect on profit growth. Simultaneously all variables affect profit growth. The predictive ability of these five variables on profit growth is 64.8% while the remaining 35.2% is influenced by other variables outside the regression model.
Co-Authors Afifah Nazla Sevina Efi Syarifudin Henny Saraswati Noer Cholifa Mauliddia Ratu Humaemah Zaiz Fisabilillah