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All Journal Etihad: Journal of Islamic Banking and Finance INTERNATIONAL JOURNAL OF LANGUAGE PEDAGOGY
Febriana, Indri
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Evaluating the Effect of Mudharabah and Murabahah Financing on Return on Assets Mediated by Non-Performing Financing at BMT Hasanah Ponorogo Febriana, Indri; Ulya, Husna Ni’matul
Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v4i1.9458

Abstract

Introduction: This study explores how mudharabah and murabahah financing affect Return on Asset (ROA) and the role of Non-Performing Financing (NPF) as an intervening variable at BMT Hasanah Ponorogo. Research Methods: This study employs regression analysis with NPF as an intervening variable. The data analyzed are the quarterly financial reports of BMT Hasanah Ponorogo from 2019 to 2023, focusing on the relationships between mudharabah financing, murabahah financing, ROA, and NPF. Results: The analysis reveals that mudharabah and murabahah financing significantly impact ROA directly and through NPF as an intervening variable. An increase in financing can enhance ROA, with NPF mediating the relationship between financing and ROA. Conclusion: This study finds that mudharabah and murabahah financing affect ROA, with NPF as an intervening variable. Effective risk management in financing is crucial for improving ROA at BMT Hasanah Ponorogo.
An Analysis of Students’ Collocation Translation in EFL Classroom Febriana, Indri; Maisarah, Ira
International Journal of Language Pedagogy Vol. 1 No. 1 (2021)
Publisher : Language Pedagogy Study Program, Faculty of Languages and Arts, Universitas Negeri Padang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ijolp.v1i1.10

Abstract

This study sought to answer the question, "What is the English collocation found in student descriptive text translation?" This study was designed as descriptive qualitative research, and the study's data was described qualitatively. The data was taken from the student’s descriptive translation. The sources of the data in this study were sentences and expressions that contain collocation. Documentation is the only instrument used in collecting the data. To analyze the data, the researchers used data reduction, data display, and conclusion drawing/verification. The result of this study showed that (1) there were sixteen collocations found in student’s descriptive text translation and (2) the meanings of English collocations were fourteen had denotative meaning. To conclude, the collocation words do not only have one meaning but also have many meanings, and change the meaning based on the structure of the sentence in the text.
Co-Authors Maisarah, Ira Ulya, Husna Ni’matul