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Rifadli D Kadir
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Kampus 2, Jl. Sultan Amai, No. 1, Ds. Pone, Kec. Limboto Barat, Kab. Gorontalo, Prov. Gorontalo, Indonesia 96215.
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INDONESIA
Mutanaqishah: Journal of Islamic Banking
Published by Institut Agama Islam Negeri Sultan Amai Gorontalo
ISSN : -     EISSN : 28078500     DOI : https://doi.org/10.54045/mutanaqishah
Core Subject : Economy,
Economics, Econometrics & Finance
Mutanaqishah: Journal of Islamic Banking published in online, published by Department of Islamic Banking, Faculty of Islamic Economics and Business, IAIN Sultan Amai Gorontalo. Mutanaqishah contains the results of field research and library research or the results of thoughts about banking and Islamic banking. Mutanaqishah functions as a place for academics, scientists, researchers, practitioners and industry to share views on banking and Islamic banking as outlined in scientific papers. This Journal Published every June and December. The main focus of the Mutanaqishah: Journal of Islamic Banking is Islamic Banking, Banking, Non-Bank Financial Institutions, Islamic Bank Information Systems, Islamic Bank Accounting, Islamic Bank Audit, Islamic Bank Management, Islamic Banking Risk Management, Marketing Management of Islamic Banking, Islamic Bank Law Design, Islamic Bank Liquidity Management, Financial Statement Analysis Islamic Banking, Islamic Banking Ethics.
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. 2 No. 1 (2022): June 2022" : 5 Documents clear
Perbandingan Inklusi Keuangan di Indonesia dan Filipina Izzun Khoirun Nissa
Mutanaqishah: Journal of Islamic Banking Vol. 2 No. 1 (2022): June 2022
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (258.394 KB) | DOI: 10.54045/mutanaqishah.v2i1.206

Abstract

In today's era, financial inclusion becomes an important thing for policy makers. They prioritize formulating a country's financial policies to build an inclusive financial system. The World Bank has recognized that financial inclusion covers 7 of the 17 sustainable development goals (Sustainable Development Goals). The method used in this research is panel data regression. By concluding that in terms of income, Indonesia and the Philippines show the same results where the three indicators of formal account, formal saving, and formal credit have a significant effect on income. This shows that the richer a person is, the higher the financial inclusion. Employment affects financial inclusion. Research in Indonesia and the Philippines shows the same results where work has an effect on formal accounts and formal savings. So it can be concluded that people who work have an effect on increasing financial inclusion compared to those who do not work.   Di era saat ini, inklusi keuangan menjadi suatu hal yang penting bagi para pembuat kebijakan. Mereka memprioritaskan menyusun kebijakan keuangan suatu negara untuk membangun sistem keuangan yang inklusif. Bank Dunia telah mengakui bahwa inklusi keuangan mencakup 7 dari 17 tujuan pembangunan berkelanjutan (Sustainable Development Goals). Metode yang digunakan dalam penelitian ini yaitu regresi data panel. Dengan memberikan kesimpulan bahwa dalam hal pendapatan, Indonesia dan Filipina menunjukkan hasil yang sama di mana ketiga indikator formal account, formal saving, dan formal credit berpengaruh signifikan terhadap pendapatan. Hal ini menunjukkan semakin kaya seseorang akan menaikkan inklusi keuangan. Pekerjaan berpengaruh terhadap inklusi keuangan. Penelitian di Indonesia dan Filipina menunjukkan hasil yang sama dimana pekerjaan berpengaruh terhadap formal account dan formal saving. Sehingga dapat disimpulkan bahwa orang yang bekerja berpengaruh meningkatkan inklusi keuangan di banding mereka yang tidak bekerja.
Analisis Faktor-Faktor yang Mempengaruhi Terjadinya Selisih Transaksi pada Teller di Bank KCP Tilamuta Wiwin Koni; Adelia Priskawati Puloli
Mutanaqishah: Journal of Islamic Banking Vol. 2 No. 1 (2022): June 2022
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (232.926 KB) | DOI: 10.54045/mutanaqishah.v2i1.207

Abstract

This study aims to identify the factors that influence the occurrence of differences in tellers. Then the identification results are used to determine steps that can be taken to anticipate teller transaction errors.This type of research uses qualitative methods, the research approach used in this research is phenomenology. Sources of data in this study are secondary data obtained from interviews with managers and employees at Bank BRI KCP Tilamuta and documentation as well as those sourced from library research in the form of reading books and other sources relevant to this research.This research produces the following findings: First, human and technical factors, human factors occur because of the teller's inaccuracy in inputting data. The technical factor occurs because of a system or network error that occurs in the bank. The two teller responsibilities for errors in carrying out orders have two settlement processes: (1) transferring funds to fellow banks by means of Error Corrections (2) Matching the transfer slip written by the customer, confirming the customer there was an input error, blinding the facsimile note regarding blocking transfers and making RTGS/LLG correction with proper data.   Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor apa saja yang mempengaruhi terjadinya selisih pada teller. Kemudian kemudian hasil identifaksi tersebut digunakan untuk menentukan langkah yang dapat dilakukan untuk mengantisipasi kesalahan transaksi teller.Jenis penelitian ini menggunakan metode kualitatif, pendekatan penelitian yang digunakan dalam penelitian ini adalah fenomenologi. Sumber data dalam penelitian ini merupakan data sekunder yang diperoleh dari hasil wawancara dengan manajer dan karyawan pada Bank BRI KCP Tilamuta dan dokumentasi serta yang bersumber dari penelitian kepustakaan berupa buku bacaan dan sumber lainnya yang relevan dengan penelitian ini.Penelitian ini menghasilkan temuan sebagai berikut :  Pertama faktor manusia dan teknis, faktor manusia terjadi karena adanya ketidak telitian teller dalam menginput data.  Faktor taknis terjadi karena adanya kesalahan sistem atau jaringan yang terjadi pada bank. Kedua pertanggung jawaban teller atas kesalahan dalam menjalankan perintah ada dua proses penyelesaian: (1) transfer dana ke sesame bank dengan cara Error Corrections (2) Mencocokan slip transfer yang ditulis nasabah, mengonfirmasi nasabah adanya kesalahan penginputan, membuta nota faksimile perihal pemblokiran transfer dan membuat koreksi RTGS/LLG dengan data yang seharusnya.
Analisis Kinerja Keuangan Bank Syariah Sebelum dan Setelah Merger dilihat dari Rasio Profitabilitas, Likuiditas dan Aktivitas Putri Rahmaty Alimun; Andris Kasim; Alfiresi Mamonto
Mutanaqishah: Journal of Islamic Banking Vol. 2 No. 1 (2022): June 2022
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (268.634 KB) | DOI: 10.54045/mutanaqishah.v2i1.208

Abstract

Mergers can be one of the steps taken by Islamic banking in terms of accelerating the development and growth of Islamic banks in Indonesia. This can be seen from several companies that have merged and brought changes to the company for the better. Thus, BUMN took the decision to merge 3 state-owned banks in order to grow rapidly. This study aims to see whether there is a comparison between before and after the merger. It is seen based on the ratio of profitability, liability, and activity. After calculating these ratios, it can be seen that the profitability and liability ratios change every quarter after the merger is carried out, while for company activities the changes are not very visible because the time the merger is carried out is only one year running. Merger  dapat menjadi salah satu langkah yang diambil oleh perbankan syariah dalam hal mempercepat perkembangan dan pertumbuhan bank syariah. Hal tersebut dapat dilihat dari beberapa perusahaan yang melakukan meger dan membawa perubahan pada perusahaan tersebut ke arah yang lebih baik. Dengan demikian BUMN mengambil keputusan untuk menggabungkan 3 bank milik pemerintah agar bisa tumbuh dengan cepat. Penelitian ini bertujuan untuk melihat apakah terdapat perbadingan dari sebelum dan setelah dilakukan merger tersebut. Hal itu dilihat berdasarkan rasio profitabilits, liabilitas, dan aktivitas. Setelah dilakukan perhitungan terhadap rasio-rasio tersebut dapat terlihat bahwa untuk rasio profitabilitas dan liablitas mengalami perubahan setiap triwulan setelah dilakaukan merger, sedangkan untuk aktivitas perusahaan perubahannya belum terlalu terlihat karena waktu merger dilakukan baru satu tahun berjalan.  
Pengaruh Kinerja Keuangan terhadap Pertumbuhan Laba dengan Ukuran Perusahaan sebagai Variabel Moderasi pada Bank Umum Syariah Periode 2016-2020 Anif Fudin; Fany Indriyani
Mutanaqishah: Journal of Islamic Banking Vol. 2 No. 1 (2022): June 2022
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (208.486 KB) | DOI: 10.54045/mutanaqishah.v2i1.209

Abstract

The purpose of this study was to analyze the effect of financial performance on profit growth with firm size as a moderating variable in Islamic commercial banks for the 2016-2020 period. This research uses quantitative research by using multiple regression analysis and Moderated Regression Analysis (MRA) as data analysis. This study uses secondary data. The object of this research is Islamic banks in the period 2016 to 2020. The sample used in this study used a purposive sampling method, the research sample was adjusted to the agreed criteria as follows: 10 Islamic banks. The analytical tool used is the statistical application Eviews 9. The test results of the multiple linear regression method prove that the Quick Ratio (QR) variable, Debt to Equity Ratio (DER), Total Asset Turnover (TAT) has a negative and significant effect on profit growth, Net Profit Margin (NPM) has a positive and insignificant effect on profit growth while Return on Assets (ROA) has a positive and significant effect on profit growth. Meanwhile, testing the Moderated Regression Analysis (MRA) method proves that the company's bookkeeping (Z) is unable to moderate the relationship between Quick Ratio (QR), Debt to Equity Ratio (DER), Total Asset Turnover (TAT) and Return On Assets (ROA) to profit growth ( Y) and firm size (Z) are able to moderate the relationship between Net Profit Margin (NPM) and profit growth (Y). Tujuan dari penelitian ini adalah untuk menganalisis pengaruh kinerja keuangan terhadap pertumbuhan laba dengan ukuran perusahaan sebagai variabel moderasi pada bank umum syariah periode 2016-2020. Penelitian ini menggunakan jenis penelitian kuantitatif dengan menggunakan analisis regresi berganda dan Moderated Regression Analysis (MRA) sebagai analis data. Penelitian ini memakai data sekunder. Objek penelitian ini adalah bank syariah pada periode 2016 hingga 2020. Sampel yang digunakan dalam penelitian ini menggunakan metode purposive sampling, sampel penelitian disesuaikan dengan kriteria yang disepakati sebagai berikut: 10 bank syariah. Alat analisis yang digunakan adalah aplikasi statistik Eviews 9. Hasil pengujian metode regresi linier berganda membuktikan variabel Quick Ratio (QR), Debt to Equity Ratio (DER), Total Asset Turnover (TAT) mempunyai pengaruh negatif dan signifikan terhadap pertumbuhan laba, Net Profit Margin (NPM) mempunyai pengaruh positif dan tidak signifkan terhadap pertumbuhan laba sedangkan Return On Asset (ROA) mempunyai pengaruh positif dan signifikan terhadap pertumbuhan laba. Sedangkan pengujian metode Moderated Regression Analysis (MRA) membuktikan bukuran perusahaan (Z) tidak sanggup memoderasi hubungan Quick Ratio (QR), Debt to Equity Ratio (DER), Total Asset Turnover (TAT) dan Return On Asset (ROA) terhadap pertumbuhan laba (Y) dan ukuran perusahaan (Z) sanggup memoderasi hubungan Net Profit Margin (NPM) terhadap pertumbuhan laba (Y).  
Determinan Market Share Bank Umum Syariah di Indonesia Sindi Ali; Hendra H. Dukalang; Rifadli D. Kadir
Mutanaqishah: Journal of Islamic Banking Vol. 2 No. 1 (2022): June 2022
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (290.129 KB) | DOI: 10.54045/mutanaqishah.v2i1.235

Abstract

This study aims to determine whether CAR, ROA, NPF, FDR affect the Market Share of Islamic Commercial Banks in Indonesia for the 2017-2021 period. This study uses Panel Data analysis. The results of this study conclude (1) Capital adequacy ratio (CAR) has a negative and insignificant effect on the market share of Islamic banking in Indonesia; (2) Return on assets (ROA) has a positive and insignificant effect on the market share of Islamic banking in Indonesia; (3) Non-performing financing (NPF) has a negative and significant effect on the market share of Islamic banking in Indonesia; (4) Financing to deposit ratio (FDR) has a negative and insignificant effect on the market share of Islamic banking in Indonesia and (5) CAR, ROA, NPF and FDR together have an effect on the market share of Islamic commercial banks in Indonesia.   Penelitian ini bertujuan untuk mengetahui apakah CAR, ROA, NPF, FDR berpengaruh terhadap Market Share Bank Umum Syariah di Indonesia periode 2017-2021. Penelitian ini menggunakan analisis data panel. Hasil penelitian ini menyimpulkan (1) Capital adequacy ratio (CAR) berpengaruh negative dan tidak signifikan terhadap market share perbankan syariah di Indonesia; (2) Return on assets (ROA) berpengaruh positif dan tidak signifikan terhadap market share perbankan syariah di Indonesia; (3) Non performing financing (NPF) berpengaruh negative dan signifikan terhadap market share perbankan syariah di Indonesia; (4) Financing to deposit ratio (FDR) berpengaruh negative dan tidak signifikan terhadap market share perbankan syariah di Indonesia dan (5) CAR, ROA, NPF dan FDR secara bersama-sama berpengaruh terhadap market share bank umum syariah di Indonesia

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