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Muhammad Daud bin Mahmud
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daud@iain-ternate.ac.id
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alqashdu@iain-ternate.ac.id
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Al-Qashdu: Jurnal Ekonomi dan Keuangan Syariah
Published by Institut Agama Islam Negeri Ternate
ISSN : -     EISSN : 28095065     DOI : 10.46339/al-qashdu
Core Subject : Economy,
Economics, Econometrics & Finance
Al-Qashdu: Jurnal Ekonomi dan Keuangan Syariah merupakan jurnal ilmiah yang dikelola dan diterbitkan oleh Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Ternate. Jurnal ini memuat karya tulis ilmiah hasil penelitian yang dilakukan oleh akademisi, peneliti dan praktisi di bidang ekonomi dan keuangan islam. Jurnal ini diharapakan dapat menjadi alat informasi dan sosialisasi mengenai hasil penelitian terbarukan tentang ekonomi dan keuangan islam. Analisis Ekonomi Perbankan & Keuangan Syariah Regulasi & Stabilitas Perbankan & Keuangan Syariah Pengembangan Produk Lembaga Keuangan Syariah Akuntansi Syariah Ekonomi & Keuangan Islam Layanan Keuangan Islam Pasar Modal Islam Keuangan Mikro Islam Mode pembiayaan Islam Keuangan Sosial Islam
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 5 Documents
 1 
Search results for , issue "Vol 4, No 1 (2024)" : 5 Documents clear
ANALSIS KOMPARASI KINERJA KEUANGAN BANK MEGA SYARIAH MENGGUNAKAN METODE RGEC PADA MASA SEBELUM DAN SELAMA PANDEMI COVID-19 Azizoma, Rusman; Maulida, Fauzia Nindita
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 4, No 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v4i1.1292

Abstract

The COVID-19 pandemic has had an impact on all industrial sectors in Indonesia, one of which is the sharia banking sector. During the pandemic, banking performance experienced fluctuations in terms of deposits and debt financing; Bank Mega Syariah also experienced fluctuations in financial ratios and deposits, which could have an impact on the bank's financial performance. The purpose of this study is to evaluate Bank Mega Syariah's financial results utilizing the RGEC approach both before and after the COVID-19 epidemic. This study used quantitative research using a descriptive methodology. Data was acquired through the use of documentation methods. Financial ratio analysis utilizing the RGEC method is the data analysis method employed. The findings demonstrate that Bank Mega Syariah's financial performance, as measured by the RGEC technique, was superior to its pre-COVID-19 pandemic financial performance during the pandemic-affected period. This is shown by Bank Mega Syariah's ability to continue turning in a profit despite the COVID-19 pandemic's negative impact on the business environment. This accomplishment is demonstrated by the growth in several key business metrics, which were maintained, including bank profitability, finance distribution, and Third Party Funds.Keywords: Financial Performance; Bank Health Level; RGEC Method
ANALISIS DAMPAK PENGGUNAAN CRYPTOCURRENCY TERHADAP PERTUMBUHAN EKONOMI ISLAM DI INDONESIA Nafia, Nala Ilma; Adinugraha, Hendri Hermawan
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 4, No 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v4i1.1270

Abstract

This research aims to gain a better understanding of cryptocurrencies, including their working mechanisms and impact in economic and investment contexts. Apart from that, this research also wants to evaluate the potential consequences of the government’s lack of seriousness regarding the spread of cryptocurrency in Indonesia. The method used is a qualitative descriptive approach with normative aspects, including risk analysis and potential profits from investing in cryptocurrency. This research covers the spread of cryptocurrencies across Indonesia and the risks associated with their use. It is hoped that the results of this research will provide a deeper understanding of how cryptocurrencies work, their impact, and the role of governments in regulating their spread. Therefore, this research will provide important information for the government and society in making decisions regarding the regulation and use of cryptocurrency in Indonesia.Keywords: Cryptocurrency; Investment; Islamic Economics
ANALISIS KOMPARASI KINERJA KEUANGAN BANK UMUM SYARIAH DENGAN PENDEKATAN METODE CAMEL Listriyani, Futri; Wartoyo, Wartoyo; Setiowati, Nur Eka
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 4, No 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v4i1.1282

Abstract

This study aims to compare the performance levels of two Islamic commercial banks in Indonesia, namely Bank BCA Syariah and Bank Muamalat Indonesia for the period 2018 to 2022. This study uses a method that is often used to analyze the level of performance of Islamic banking, namely the CAMEL method. The indicators in this study consist of five financial ratios, namely CAR, NPF, NPM, ROA, and FDR. This research uses quantitative methods with comparative research types. Using secondary data from financial reports published on the official website of each bank. Kolmogorov-Smirnov test is used for data normality testing and hypothesis testing using independent t-test and Mann-Whitney test. The results showed statistically significant differences in the values of CAR, NPF, ROA, and FDR in Islamic banking between Bank BCA Syariah and Bank Muamalat Indonesia, then there was no significant difference in the NPM ratio between the two banks. Based on the results described, Bank BCA Syariah has a superior average value in terms of CAR, NPF, NPM and ROA ratios compared to Bank Muamalat Indonesia. Meanwhile, the performance of Bank Muamalat Indonesia's FDR proportion is better than Bank BCA Syariah in recent years. Therefore, it can be said that Bank BCA Syariah and Bank Muamalat Indonesia have different performance.Keywords: Financial Performance; Islamic Banks; Camels Method
FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUASAN NASABAH BSI MOBILE Samiudin, Askal
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 4, No 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v4i1.1318

Abstract

This research was conducted with the aim of examining the impact of E-SERVQUAL variables on the level of satisfaction of BSI Mobile users in the Special Region of Yogyakarta Province. The method applied used the E-SERVQUAL model with the addition of responsiveness as a differentiating factor. The population of focus in this study consisted of active BSI Mobile users in 2022, totaling 82,244, while a sample of 200 BSI Mobile users scattered across the Special Region of Yogyakarta Province was selected. The approach used was quantitative descriptive, and the analysis was carried out using the SEM (structural equation model) method with the software SmartPLS 3.0.The research results indicate that reliability, fulfillment, and responsiveness have a significant impact on the level of satisfaction of BSI Mobile users. On the other hand, efficiency and security/privacy do not have a significant impact on the satisfaction of BSI Mobile users. The theoretical implications of this research are an enhancement of our understanding of the factors influencing the satisfaction of BSI Mobile users, especially in the context of Mobile banking services, from an academic perspective. On the practical side, the findings of this research can be considered in formulating BSI Mobile marketing policies.Keywords: E-Servqual; Cotumer Satisfaction; BSI Mobile
PENGARUH UKURAN PERUSAHAAN, LIKUIDITAS, DAN PERTUMBUHAN PENJUALAN TERHADAP PROFITABILITAS PADA PERUSAHAAN SEKTOR FARMASI YANG TERDAFTAR DI BURSA EFEK INDONESIA Kholidah SM, Nur Diana; Imama, Lely Shofa
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 4, No 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v4i1.1353

Abstract

The purpose of this research is to examine and analyze the influence of company size, liquidity and sales growth on profitability in pharmaceutical sector companies listed on the Indonesia Stock Exchange. The approach used in this research is quantitative, using secondary data in the form of financial reports. This research is a population study taken from the financial reports of 10 pharmaceutical sector companies for the 2018-2021 period. Data analysis used descriptive analysis, classical assumption test, multiple linear regression, t test, f test and coefficient of determination using the SPSS version 24 program. Research results This shows that company size, liquidity and sales growth simultaneously have a significant effect on profitability. Partially, company size has a significant negative effect on profitability, liquidity has a significant positive effect on profitability, then sales growth has a significant positive effect on profitability in pharmaceutical sector companies listed on the Indonesia Stock Exchange.Keywords: Company Size; Liquidity; Sales Growth; Profitability 

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