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All Journal TSARWATICA (Islamic Economic, Accounting, and Management Journal)
Kusuma Dewi, Ade Nurhayati
STIE DR. KHEZ MUTTAQIEN PURWAKARTA
Religion Economics, Econometrics & Finance

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ANALYSIS OF THE EFFECT OF THIRD-PARTY FUNDS FOR MURABAHAH, CAPITAL ADEQUACY RATIO (CAR), AND NON-PERFORMING FINANCING (NPF) MURABAHAH TO RETURN ON ASSETS (ROA) AT ISLAMIC COMMERCIAL BANKS IN INDONESIA FOR THE 2017-2020 PERIOD Ropi Marlina; Juliani Lisma Sari; Dewindi Dewindi; Novian Mardani; Ade Nurhayati
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol 4 No 2 (2023)
Publisher : STIESA Press

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Abstract

The purpose of this study is to analyze the Effect of Third-Party Funds (DPK), Capital Adequacy Ratio (CAR), and Murabahah Non-Performing Financing (NPF) on Return on Asset (ROA). The research method used is in this study is a descriptive method with a quantitative approach and uses panel data regression analysis (Time Series and Cross Series) with a Fixed Effect Model (FEM) model using Eviews software version 10. The sampling method used is purposive sampling, which uses several criteria so that there are 12 Islamic Commercial Banks that are used as samples operating in Indonesia and registered with the OJK from 2017-2020. The results showed that the Third-Party Fund Variable (DPK) and Capital Adequacy Ratio (CAR) had a positive and significant effect on Return on Asset (ROA) in Islamic Commercial Banks. Murabahah's Non-Performing Financing (NPF) has a negative and insignificant influence on Return on Asset (ROA). Murabahah's Third Party Funds, Capital Adequacy Ratio (CAR), and Murabahah's Non-Performing Financing (NPF) simultaneously (together) have a positive and significant influence on Return on Asset (ROA). Islamic commercial banks must consider various solutions to obtain high profitability. Murabahah's Third Party Funds, Capital Adequacy Ratio (CAR), and Murabahah's Non-Performing Financing (NPF) must be maintained and tiered to obtain maximum profitability.
MARKETING DIGITALIZATION AND RELIGIUSITY AND ITS INFLUENCE ON INTEREST IN MUZAKKI FUNDRAISING SMILE MANDIRI PURWAKARTA Ade Nurhayati Kusumadewi; Ropi Marlina; Rika Amalia
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol 5 No 1 (2023)
Publisher : STIESA Press

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The purpose of this study is to find out whether digital marketing affects the interest of muzaki ziswaf in fundraising independent smile Purwakarta, whether religiosity affects the interest of muzaki ziswaf in fundraising independent smile Purwakarta. The method used in this study is a quantitative with descriptive verification method. The data analysis technique used is multiple linear regression with SPSS software version 25. The sampling method used is purposive sampling, which uses several criteria so that there are muzakki fundraising senyum mandiri Purwakarta, aged 19-50 years, domiciled in Purwakarta, one respondent can only fill out one questionnaire. The results showed that both free variables simultaneously have a significant effect on bound variables. Of the total dependent variables, 60.3% simultaneously affected the interest of muzaki ziswaf Senyum Mandiri Purwakarta.
Co-Authors Dewindi Dewindi Iman Sidik Nusannas Juliani Lisma Sari Mardani, Novian Rika Amalia Ropi Marlina