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Kota palopo,
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INDONESIA
Journal of Institution And Sharia Finance
Published by Institut Agama Islam Negeri Palopo
ISSN : 26546043     EISSN : 26205130     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Journal Of Institution And Sharia Finance compile writing and research on Islamic financial institutions, Islamic banking, sharia business management, strengthening people's economy, Islamic financial management.
Arjuna Subject : -
Articles 110 Documents
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Analysis of the Factors that Influence the Work Ethic of Bank Muamalat Employees in Palopo City Muhammad Ikram
Journal Of Institution And Sharia Finance Vol 4, No 2 (2021): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v4i2.3382

Abstract

This research discusses the Influence of Siri’ Religiosity and Culture on the Work Ethic of Employees of Bank Muamalat Kota Palopo. The problem in this study is the work ethic of employees who are less than optimal such as not working in a timely manner, the level of speed and accuracy of work is not good so as to cause problems of low work ethic. This research aims to find out whether siri’ religiosity and culture affect the work ethic of employees of Bank Muamalat Kota Palopo. The type of research used is quantitative methods. The data source used is primary data obtained from the dissemination of questionnaires to respondents, namely employees of Bank Muamalat Kota Palopo. Data is processed and analyzed using multiple linear regression or inferential statistics. The results of this study showed that (1) Thitung religiosity variables amounted to 8,256 and Ttabel by 1,671 or 8,256 > 1,671 and significant value of religiosity of 0.000 <0.05 (H0 was rejected and H1 accepted) Thus it can be interpreted that religiosity has a positive and significant effect on employee work ethic. (2) Thitung culture variables amounted to 6,621 and Ttabel by 1,671 or 6,621 > 1,671 and significant value of Siri’ Culture' (X2) of 0.001 < 0.05 (H0 rejected and H2 accepted). So it can be interpreted that Siri’ Culture (X2) has a positive and significant influence on employee work ethic (Y). (3) Siri’s religiosity and culture simultaneously affect the work ethic of employees of Bank Muamalat Kota Palopo.
Pengaruh Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR) Terhadap Return on Equity (ROE) Pada PT. Bank Syariah Mandiri Karmila Karmila
Journal Of Institution And Sharia Finance Vol 4, No 1 (2021): JUNI
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v4i1.3377

Abstract

This thesis discusses the effect of Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR) on Return on Equity (ROE) at PT. Mandiri Syariah Bank. The main problem in this study is that banking as a business entity engaged in finance or finance really needs the trust of its customers to support and expedite the activities it undertakes. One of the ratios to measure banking performance is profitability or Return on Equity (ROE). The variables that affect the profitability (Return on Equity) of a bank are the Capital Adequacy Ratio (CAR) and the Financing to Deposit Ratio (FDR). Data were processed and analyzed using multiple linear regression using SPSS 22 for windows. The results of this study indicate that the Financing to Deposit Ratio has an effect of 42.9% on Return On equity, the Capital Adequacy Ratio has an effect of 19.6% on Return on Equity, and the Financing to Deposit Ratio and Capital Adequacy Ratio together have an effect of 62.5%. on Return on Equity.
Application of The 5C Principle in Providing Financing to BNI Syariah Tomoni Nur Annisah
Journal Of Institution And Sharia Finance Vol 4, No 2 (2021): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v4i2.3383

Abstract

This study aims: to find out how to apply the 5C principles in providing financing, as well as to find out the various obstacles that will be faced in implementing the 5C principles in providing financing at BNI Syariah Tomoni. The type of research used is qualitative research. By taking the research location at BNI Syariah Tomoni and the research informants were BNI Syariah Tomoni employees, totaling six people consisting of micro sales heads, micro financing risk officers, micro sales assistants, consumer sales, and processing & collaction assists. Data and data source used, namely primary data. The data collection technique in this study used interview techniques. The results showed that the application of the 5C principles in providing financing to BNI Syariah Tomoni has a very important role because the application of the 5C principles is sought so that banks avoid problem financing. The implementation of the 5C principle is the basis for the leadership of BNI Syariah Tomoni to determine whether the submission of a financing application is approved or rejected. from the ability of the prospective debtor that is not proportional to the nominal amount of the financing submitted to BNI Syariah Tomoni, as well as other obstacles such as the prospective debtor does not have collateral that can be guaranteed.
Analysis Prudential Principles About The Treath of Phishing Sites For Internet Banking Customers Andi Siti Nurbaya Sari
Journal Of Institution And Sharia Finance Vol 4, No 1 (2021): JUNI
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v4i1.3378

Abstract

This thesis is motivated by the existence of an internet site that refers to the act of luring internet banking users to visit fake websites designed by cyber-cybers that resemble the official website in such a way as to trick victims through fake emails (or instant messages) and then secretly take the victim's personal information. . Seeing this requires the precautionary principle regulated by banks to find out customer identities, monitor customer transaction activities including reporting suspicious transactions. The type of research used is the Quantitative Method with 30 samples using a nonprobability sampling technique, namely saturated samples. The instrument used is a questionnaire (questionnaire). Data were processed and analyzed using simple linear regression using SPSS 22 for windows. The results showed that the precautionary principle had a positive effect on the threat of phishing sites by 36.2% with t count (3.982) t table (2.048) with a significant level of 0.000 <0.05. This means that the precautionary principle variable partially has a significant effect on the threat of phishing sites on internet banking at Islamic banks in Palopo city. So it can be concluded that with the precautionary principle of the bank and for customers it can reduce the risk of phishing site threats and more guaranteed security of customer data on internet banking at Islamic banks in Palopo city.
Pengaruh Variabel Makro Terhadap Pembiayaan Rahn pada Perbankan Syariah Asma Rita; Ahmad Ajib Ridlwan
Journal Of Institution And Sharia Finance Vol 6, No 1 (2023): JUNI
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v6i1.3429

Abstract

This study uses secondary data sources that was taken from BI and BSI. Numerical data obtained from secondary data ware analyzed using multiple linear regression along with other prerequisite statistical tools. Basen and the results of hypothesis testing, it can be concluded that the inflation rate variable (X1), bi rate (X2) and gold price (X4) has a negative and significant influence on rahn financing (Y), while the variable exchange rate (X3) had positive and significant rahn financing (Y). in addition, the coefficient of determinasi (adjested R square) of the macro variable on rahn’s financing obtained a value of 0,822 or 82% which means the rahn’s financing can be explained by macro variable of 82%, the remaining 17,8% is explained by other variables outside the research, such as the number of customers, the amount of money in circulation and the income of the mortgage.
PENGARUH PENERAPAN INTERNET BANKING TERHADAP KINERJA PERBANKAN DI INDONESIA Mardhiyah Dwi Ilhami; Novia Sari Wati Story
Journal Of Institution And Sharia Finance Vol 6, No 1 (2023): JUNI
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v6i1.3870

Abstract

The purpose of this research is to examine the effect of internet banking application to the financial performance of banking which consist of NPL, LDR, ROA, ROE, BOPO and CAR. Study sample consisted of 67 banks in Indonesia from 4 categories with the study period from the first quarter of 2014 to the fourth quarter of 2016. This research used multivariate method and the data test was done by panel data regression analysis with random effect technique. The results showed that the application of internet banking from the risk profile proved to reduce credit risk with a negative effect on NPL variables. However, from the risk of liquidity internet banking application has no effect on LDR variable. While from the ratio of earnings, the results showed the application of internet banking has no effect on ROA, ROE and BOPO variable, and from the capital, the implementation of internet banking is not characterized by an increase in banking capital which means, the implementation of internet banking has no affect on CAR variable.
ANALISIS PERKEMBANGAN EKONOMI DAN PERBANKAN SYARIAH DI INDONESIA Muhammad Ash Shiddiqy
Journal Of Institution And Sharia Finance Vol 6, No 1 (2023): JUNI
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v6i1.4078

Abstract

Penelitian ini bertujuan untuk mengetahui perkembangan ekonomi syariah di Indonesia serta tantangannya. Perkembangan ekonomi di Indonesia saat ini mulai meningkat. Dengan adanya peningkatan ini, tentunya dapat memberikan manfaat bagi perekonomian Indonesia, terutama dalam mengurangi angka pengangguran di Indonesia. Tentunya hal ini tidak terlepas dari perkembangan ekonomi berbasis Islam atau yang lebih dikenal dengan ekonomi syariah. Namun perkembangan ini tentunya tidak terlepas dari problematika atau tantangan yang dihadapi. Data dari penelitian ini dikumpulkan melalui literatur Pustaka, seperti buku, artikel, atau jurnal ilmiah. Kemudian data dianalisis dan disimpulkan dalam bentuk deskripsi.
PENGARUH RASIO KEUANGAN TERHADAP HARGA SAHAM PADA PERUSAHAAN SEKTOR PERBANKAN YANG TERDAFTAR BEI DI MASA PANDEMI COVID 19 Siti Nur Azizah; Asepma Hygi Prihastuti; Jusmarni Jusmarni; Saipul Al Sukri
Journal Of Institution And Sharia Finance Vol 6, No 1 (2023): JUNI
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v6i1.3885

Abstract

Pergerakan harga saham yang terjadi tergantung dengan kondisi keuangan suatu perusahaan. Penelitian ini bertujuan untuk mengetahui pengaruh rasio keuangan, yang terdiri atas Current Ratio (CR), Net Profit Margin (NPM), Debt Ratio (DR), Total Asset Turnover (TATO), dan Price Earnings Ratio (PER) terhadap Harga Saham pada perusahaan Perbankan yang terdaftar di Bursa Efek Indonesia di Masa Pandemi Covid 19. Penelitian ini menggunakan data sekunder laporan keuangan auditan perusahaan Perbankan yang terdaftar di Bursa Efek Indonesia periode 2020-2021. Teknik pengambilan sampel menggunakan metode purposive sampling dengan jumlah sampel 62 perusahaan perbankan. Analisis data menggunakan regresi linear berganda dengan software SPSS versi 23. Hasil penelitian menunjukkan bahwa secara parsial Current Ratio (CR), Net Profit Margin (NPM), Total Assets Turn Over (TATO), dan Price Earnings Ratio (PER) berpengaruh signifikan terhadap Harga Saham. Sedangkan Debt Ratio (DR) tidak berpengaruh signifikan terhadap Harga. Secara simultan variabel Current Ratio (CR), Net Profit Margin (NPM), Debt Ratio (DR), Total Asset Turnover (TATO), dan Price Earnings Ratio (PER) berpengaruh terhadap Harga Saham. Besarnya pengaruh ke lima variabel independen tersebut terhadap Harga Saham adalah sebesar 47,1%.
Penerapan Economic Value Added Untuk Menilai Kinerja Keuangan Moh Safar Ahmad; Hasanuddin Hasanuddin; Roydah Gani; Anggita Permata Yakup
Journal Of Institution And Sharia Finance Vol 6, No 1 (2023): JUNI
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v6i1.3866

Abstract

This study aims to determine a healthy and efficient financial performance to gain profits and increase the company's performance index. This research was conducted by conducting data collection techniques using the financial ratios of PT. Asuransi Bina Dana Arta Tbk, used the ratio of Economic Value Added and measured by the formula Net Operating Profit After Tax (NOPAT), Capital Charges (CC), Weighted Average Cost of Capital (WACC), Invested Capital (IC). Obtained from the financial statements of PT Asuransi Bina Dana Arta Tbk. It can be concluded from the results of calculations that have been carried out using the measurements mentioned above that the Economic Value Added ratio measured using NOPAT is quite healthy, CC is unhealthy, WACC is quite healthy, IC is not healthy, and the EVA value is very high. unhealthy or not good enough.
PENGARUH LITERASI KEUANGAN SYARIAH DAN PERSONAL RELIGIUS TERHADAP MINAT MENJADI NASABAH BANK SYARIAH INDONESIA Arif Nur Kholbi; Imam Sopingi; Kusnul Ciptanila Yuni Kusuma
Journal of Institution and Sharia Finance Vol. 6 No. 2 (2023): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v6i2.4711

Abstract

Penelitian ini mengkaji dampak literasi keuangan syariah dan personal religius terhadap minat menjadi nasabah pada Bank Syariah Indonesia. Penelitian ini menggunakan metode kuantitatif dengan uji analisis regresi berganda dan data diolah menggunakan SPSS Versi 22, data dikumpulkan dari nasabah dan non nasabah Bank Syariah Indonesia melalui kuisioner online yang berjumlah 120 responden dengan tingkat literasi keuangan syariah yang berbeda-beda dan tingkat personal religius yang berbeda-beda. Temuan penelitian menunjukkan bahwa literasi keuangan syariah secara parsial berpengaruh positif terhadap minat menjadi nasabah, Variabel Personal religius secara parsial berpengaruh positif terhadap minat menjadi nasabah. Variabel literasi keuangan syariah dan personal religius secara simultan berpengaruh terhadap minat menjadi nasabah Bank Syariah Indonesia. Temuan ini memberikan konstribusi penting dalam pemahaman tentang faktor-faktor yang mempengaruhi minat masyarakat dalam menggunakan layanan keuangan syariah, serta implikasinya dalam pengembangan strategi pemasaran dan edukasi keuangan syariah di Indonesia.

Page 9 of 11 | Total Record : 110

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