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Al Fiddhoh: Journal of Banking, Insurance, and Finance
Published by Institut Agama Islam Negeri Kerinci
ISSN : 28087518     EISSN : 28087690     DOI : https://doi.org/10.32939/fdh.v3i1
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Al-Fidhoh Jurnal Perbankan, Asuransi dan Keuangan yang dikelola oleh Fakultas Ekonomi dan Bisnis IAIN Kerinci dengan scope pada bidang Perbankan, Asuransi dan Keuangan.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 128 Documents
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PENGARUH LIKUIDITAS, SOLVABILITAS DAN RASIO AKTIVITAS TERHADAP PROFITABILITAS PT. MEDIA NUSANTARA CITRA TBK. PERIODE 2011-2020 Ida Yusnita
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 3 No. 2 (2022): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v3i2.1517

Abstract

This study aims to determine the effect of Liquidity, Solvency, and Activity Ratio on Profitability of Pt. Media Nusantara Citra Tbk. In 2011-2020, partially and simultaneously, this study explains the factors that affect profitability. These factors are the influence of Liquidity, Solvency, and Activity Ratio. The data used in this study is secondary data, namely Summary of Financial Statement data obtained from the financial statements of PT. Unilever Indonesia Tbk. Listed on the Indonesia Stock Exchange 2011-2020. Based on the results of data analysis that has been carried out on all data obtained, it can be concluded as follows: 1) Liquidity has no partial and insignificant effect. It is proven by the value of tcount < ttable (0.396 < 2,447) with a value of sig = 0.706 > 0.05 so that hypothesis I cannot be accepted. 2) Solvency has no partial and insignificant effect. It is proven by the value of tcount < ttable (-1.562 < -2.447) with a value of sig = 0.169 > 0.05 so that hypothesis II cannot be accepted. 3) Activities have a partial and significant effect on profitability. It is proven by the value of tcount > ttable (6.398 > 2,447) with a value of sig =0.001 <0.05 so that the third hypothesis can be accepted. 4) Liquidity, Solvency, and Activity have a simultaneous effect on Profitability, as evidenced by the value of Fcount > Ftable or 19.656 > 4.76, and with a significant value of 0.002 < 0.05 so that hypothesis IV can be accepted. 5) The magnitude of the influence of each The independent variables on the dependent variable are Liquidity, Solvency and Activity on Profitability at PT. Media Nusantara Citra Tbk. The 2011-2020 period is 90.8%. While the rest (100%-90.8%) which is equal to 9.2% is influenced by other variables not examined in this study
ANALISIS KOMPARASI PROFITABILITAS PT. BANK RAKYAT INDONESIA SYARIAH, TBK SEBELUM DAN SELAMA MASA PANDEMI COVID-19 Eva Sumanti; Faisal Amri; Elex Sarmigi
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 3 No. 2 (2022): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v3i2.1518

Abstract

This study aims to analyze the financial perfomace of one of the islamic banks in Indonesia based on the profitability ratios before and during the covid-19 pandemic. As for the object in this study, namely PT. Bank Rakyat Indonesia Syariah Tbk. In this study the authors manage all aspects of the research contained in the profitability ratios including return on asset, return on equity, operating costs, net profit margi and gross profit margin with the hope that the final result of the research can find out whether there is a profitability comparasion at PT. Bank Rakyat Indonesia Syariah before and during covid-19 or there is no comparasion of profitability at PT. Bank Rakyat Indonesia Syariah before and during covid-19. As for this type of research is a type of comparative descriptive research with a quantitative approach. The data contained in this study is non-parametric data with the Wilxocon test analysis technique using SPSS. With the results of the study there is a comparasion of profitability at PT. Bank Rakyat Indonesia Syariah Tbk, before and during covid-19 on the ratio return on asset while in other research aspects such as retun on equity, operating costs,net profit margin and gross profit margin there is no comparasion of profitability at PT. Bank Rakyat Indonesia Syariah Tbk,before and during covid-19.
STRATEGI PEMASARAN PRODUK PEMBIAYAAN ARRUM HAJI DI PT. PEGADAIAN SYARIAH CABANG JELUTUNG JAMBI Addiarrahman Addiarrahman; Umi Toeba
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 4 No. 1 (2023): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v4i1.1542

Abstract

This research is based on the number of customers for Arrum Haji products which are not as many as other products issued by Pegadaian Syariah Cabang Jelutung Jambi. There were very few customers who used this product at the beginning of the interview. The problem in this study is what are the obstacles faced by Pegadaian Syariah Cabang Jelutung Jambi in marketing Arum Haji products and how is the marketing strategy of Arrum Haji products in increasing the number of customers. The marketing strategy at Pegadaian Syariah Cabang Jambi applies a marketing mix, namely product strategy, price strategy, place strategy, and promotion strategy. The price strategy and location strategy are good, because the price given by the pawnshop has been determined by the head office, while for the location strategy before the Pegadaian Syariah Cabang Jelutung Jambi was established, a survey was carried out first. However, the product strategy and promotion strategy are not good, because the Pegadaian Syariah Cabang Jelutung Jambi has not been maximal in introducing its products, as well as its marketing strategy, it is necessary to improve promotional strategies to increase the number of customers, for example socializing to the public.
LAYANAN JASA DAN STRATEGI PEMBIAYAAN PADA MASA PANDEMI COVID DI PT. PEGADAIAN SYARIAH CABANG JAMBI Muhammad Subhan; Agustina Agustina
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 4 No. 1 (2023): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v4i1.1550

Abstract

This study aims to determine the services during the pandemic, and the Financing Strategy carried out at PT. Jambi Branch of the Sharia Pawnshop. The objectives include the state of Service Services during the pandemic and the Financing Strategy at PT. Jambi Branch of the Sharia Pawnshop. This study uses a qualitative approach with data collection methods by conducting observations, interviews, documentation, and concluding: 1) In the services carried out during the Covid period at PT. Pegadaian Syariah Jambi Branch, namely: a) The service has slightly changed both inside and outside the outlet to prevent the transmission of covid-19. b) Those who can usually meet face-to-face with customers during the covid period must be isolated or online. c) Service PT. Sharia pawnshops can also be seen from the changes in employees who usually work directly in the office, and some work WFH (Work From Home. 2) In the financing strategy carried out by PT. Pegadaian Syariah Jambi Branch during the pandemic is as follows: a) Updating the way the sales business used to be less, now more on social media and digital applications. b) discounts for customers who purchase gold or use specific products at sharia pawnshops. c) For the micro during the pandemic, there is an easing for the businesses of affected customers by providing subsidies for MSMEs from the government. d) PT. Pegadaian Syariah Jambi branch conducted socialization to encourage customers to use digital pawnshops for house transactions.
PENERAPAN STANDAR OPERASIONAL PROSEDUR TERHADAP PELAYANAN PRIMA SERVICE ASSISTANT (SA) DI BANK JATIM SYARIAH KC MALANG Muhammad Faris Nafi’udin; Mohammad Nabil Alfi; Muhammad Iqbal Fathoni; Naufal Alwan Athallah
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 4 No. 1 (2023): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v4i1.2024

Abstract

In the banking world, Service Assistant (SA) has a significant role in serving needs, satisfying customers, and maintaining good customer relations. A service Assistant (SA) is required to provide excellent service at the main gate. To be able to provide excellent service, an officer must be essential services related to knowledge of bank products and be able to apply applicable Standard Operating Procedures (SOPs). This study aims to determine how Standard Operational Procedures (SOP) are applied in the Service Assistant (SA) section to provide excellent service at Bank Jatim Syariah KC Malang. This study uses a qualitative descriptive method; researchers try to describe a symptom, event, and event during the study. The object of this study researchers took the subject matter of the research as a case study, namely the Application of Standard Operating Procedures to Prima Service Assistant (SA) Services at Bank Jatim Syariah KC Malang. The results showed that the application of SOPs in the excellent service of Service Assistants must be able to play an active role in serving customers internally and externally. To provide excellent service according to SOPs, such as in terms of appearance, body gestures, intonation, clear and comfortable explanations, and provide smiles by treating and to all customers, such as priority customers from the bank.
ANALISIS PENENTUAN KRITERIA MISKIN SEBAGAI MUSTAHIK ZAKAT PADA BAITUL MAL MASJID NURUL HUDA DESA KELUMPANG JAYA KABUPATEN MUSI RAWAS UTARA Behy Rosalia; Usdeldi Usdeldi; Sri Rahma
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 4 No. 1 (2023): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v4i1.2304

Abstract

This study aims to determine the method used by the Baitul Mal Nurul Huda Mosque in Kelumpang Jaya Village North Musi Rawas Regency in determining the criteria for poor mustahik and the inhibiting factors in determining the criteria for poor mustahik. This research is of a qualitative type. The object of this research is all the administrators of the Baitul Mal Masjid Nurul Huda, Kelumpang Jaya Village North Musi Rawas Regency. The data sources used are primary data and secondary data. Data were obtained directly from 11 respondents using data analysis methods, namely observation, interviews, and personal documentation, then the data was processed using data processing techniques. The results showed that: In determining mustahik zakat, the Baitul Mal Masjid Nurul Huda Kelumpang Jaya Village North Musi Rawas Regency carried out a very selective process. The Baitul Mal Masjid Nurul Huda in determining mustahik candidates by collecting data obtained from the village head, then continuing with a direct survey of the field and making final recommendations, then holding deliberations with community representatives.
PENGARUH RISIKO PEMBIAYAAN DAN RISIKO LIKUIDITAS TERHADAP PROFITABILITAS BANK UMUM SYARIAH PERIODE 2018-2020 Habriyanto Habriyanto; Khairiyani Khairiyani; Muhammad Amir Alfaruq
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 4 No. 1 (2023): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v4i1.2418

Abstract

This study aims to examine the effect of financing risk and liquidity risk on the profitability of Islamic commercial banks for the 2018-2020 period. The sampling technique used is purposive sampling. The sample used is a Sharia Commercial Bank registered with the Financial Services Authority (OJK). Based on the purposive sampling method, 11 Islamic Commercial Banks meet the criteria. The results of this study indicate that partial liquidity risk does not affect the profitability of Islamic commercial banks. In contrast, financing risk influences the profitability of Islamic commercial banks. This study also shows that financing and liquidity risks simultaneously affect Islamic commercial banks' profitability. Based on the calculations carried out in this study, the results showed that the financing risk level could affect Islamic commercial banks' profitability.
ANALISIS PEMBIAYAAN MURABAHAH BERDASARKAN PSAK 102: Studi Kasus Pada Bank Mandiri Syariah KCP Ujung Berung Tita Nurjanah Sri Rahayu
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 4 No. 2 (2023): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v4i2.2431

Abstract

Tujuan Penelitian ini analisis pembiayaan murabahah berdasarkan pada psak 102 bank mandiri syariah (studi pada bank mandiri syariah unit bandung timur) Dalam penelitian ini peneliti menggunakan metode kualitatif, dengan studi kasus. teknik pengumpulan data, menggunakan teknik wawancara mendalam dalam mengumpulkan data mengajukan suatu pertanyaan kepada yang diwawancarai. Hasil perolehan data kemudian dianlaisis.hasil penelitian menunjukan bahwa Bank Mandiri Syariah kantor cabang Ujung Berung adalah bank yang menerapkan aturan perjanjian yang berdasarkan Hukum Islam antara bank dengan pihak lain, baik dalam hal untuk penyimpanan dana atau pun pembiayaan.Kesesuaian di BSM dan PSAK 102 didalam pengukuran harga yang di sepakati sedangkan dalam penyajian dan pengungkapan tidak sesuai, tidak sesuainya didalam PSAK 102 dijelaskan secara detail dari penjual dan pembeli sedangkan di BSM hanya pada Bank nya saja.
PENGARUH GREEN ACCOUNTING DAN KINERJA LINGKUNGAN TERHADAP KINERJA KEUANGAN PERUSAHAAN PERTAMBANGAN YANG TERDAFTAR DI ISSI TAHUN 2019-2021 Dea Agnes Efria; Mellya Embun Baining; Mohammad Orinaldi
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 4 No. 2 (2023): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v4i2.2568

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Green Accounting, Kinerja Keuangan terhadap Kinerja Keuangan pada perusahaan pertambangan yang terdaftar di Index Saham Syariah Indonesia (ISSI) tahun 2019-2021. Penelitian ini merupakan penelitian deskriftif kuantitatif. Data yang digunakan adalah data sekunder yang diperoleh dari laporan tahunan perusahaan yang tergabung di dalam Index Saham Syariah Indonesia (ISSI) tahun 2019-2021. Sampel penelitian ini diperoleh dari teknik purposive sampling yaitu 13 perusahaan dengan 3 tahun penelitian sehingga menjadi 39 pengamatan. Teknik analisis data menggunakan Analisis Regresi Berganda. Hasil penelitian menunjukkan bahwa Green Accounting tidak berpengaruh signifikan terhadap Kinerja Keuangan pada perusahaan pertambangan yang terdaftar di Index Saham Syariah Indonesia (ISSI) tahun 2019-2021. Sedangkan Kinerja Lingkungan berpengaruh signifikan terhadap Kinerja Keuangan pada perusahaan pertambangan yang terdaftar di Index Saham Syariah Indonesia (ISSI) tahun 2019-2021. Variabel Green Accounting dan Kinerja lingkungan berpengaruh terhadap kinerja keuangan pada Perusahaan Pertambangan yang terdaftar Di Indeks Saham Syariah Indonesia (ISSI) Tahun 2019-2021.
ANALISIS PENDAPATAN ASLI DAERAH, PENERIMAAN PAJAK DAERAH, DAN RETRIBUSI DAERAH PROVINSI JAMBI PERIODE 2006-2021 Wiyan Mailindra
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 4 No. 2 (2023): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v4i2.2868

Abstract

ABSTRAK Penelitian ini bertujuan untuk menganalisis pengaruh penerimaan pajak daerah dan retribusi daerah terhadap pendapatan asli daerah (PAD) Provinsi Jambi periode 2006-2021. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan data sekunder yaitu data yang diperoleh dari  situs dinas pengelola keuangan daerah dan badan pusat statistik. Teknik analisis yang digunakan dalam penelitian ini adalah analisis regresi linear berganda dengan menggunakan software SPSS 26. Penelitian ini menemukan bahwa baik secara parsial maupun simultan pendapatan pajak daerah dan retribusi daerah berpengaruh positif dan signifikan terhadap pendapatan asli daerah (PAD) Provinsi Jambi periode 2006-2021, dengan besarnya pengaruh tersebut yaitu 77,9%.

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