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All Journal IMANENSI: Jurnal Ekonomi, Manajemen dan Akuntansi Islam JLE: Journal of Literate of English Education Study Program
Masruddin
Unknown Affiliation
Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media

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APAKAH FAKTOR INTERNAL MEMILIKI PERAN DALAM MENENTUKAN NON PERFORMING FINANCING BANK UMUM SYARIAH? Jurana; Lasodi, Nurfadila Ramdani; Muh Darma Halwi; Muliati; Masruddin; Andi Chairil Furqan
Imanensi: Jurnal Ekonomi, Manajemen, dan Akuntansi Islam Vol 8 No 2 (2023): Imanensi: Jurnal Ekonomi, Manajemen, dan Akuntansi Islam
Publisher : Forum Dosen Ekonomi dan Bisnis Islam (FORDEBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34202/imanensi.8.2.2023.77-91

Abstract

This study aims to empirically prove the determinants of Non-Performing Financing (NPF) using the Capital Adequacy Ratio (CAR), Return On Assets (ROA), and Financing-To-Deposit Ratio (FDR). Multiple linear regression is used as the method. The sample criteria are thefinancial statements of 10 Islamic banks in 2016–2020. The research findings show that CAR and ROA are not internal factors that determine the occurrence of NPF. Banks can use their capital for operations regardless of the rise and fall of non-performing loans, and ahigher NPF can reduce the value of ROA. The determinant of NPF in Islamic banks is FDR. The higher the amount of financing provided, the greater the impact on increasing profit and increasing financing risk. Abstrak Penelitian ini bertujuan membuktikan secara empiris determinan Non Performing Financing (NPF) dengan menggunakan Capital Adequacy Ratio (CAR), Return On Assets(ROA) dan Financing to Deposit Ratio (FDR). Regresi linier berganda digunakan sebagai metode. Kriteria sampel adalah laporan keuangan 10 Bank Umum Syariah tahun 2016 – 2020. Temuan penelitian menunjukkan CAR dan ROA bukan faktor internal penentu terjadinya NPF. Bank dapat menggunakan modalnya untuk operasional tanpa melihat naik turunnya kredit bermasalah dan NPF yang lebih tinggi dapat mengurangi nilai ROA. Penentu terjadinya pembiayaan bermasalah (NPF) di Bank Umum Syariah adalah FDR. Semakin tinggi jumlah pembiayaan yang diberikan akan berdampak pada peningkatan laba dan meningkatkan risiko pembiayaan.
Cup Stacking Games: The Contribution in Improving Students Speaking Ability Hartina, St.; Rabiah; Masruddin
JLE: Journal of Literate of English Education Study Program Vol 3 No 1 (2022): Volume 3 Number 1 July 2022
Publisher : Universitas Islam Ahmad Dahlan (UIAD)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47435/jle.v3i01.1120

Abstract

Cup stacking games allows the equal opportunities to each student to speak up during the classroom. Thus, the present study is to improve the students' speaking ability in by utilizing Cup stacking games. This study applied classroom action research which was conducted in four stages; planning, action, observation, and reflection. A total of 22 students in eleventh grade of SMAN 6 Luwu is the subject of speaking tests and observation.. The results of data analysis showed a significant improvement in students' speaking abilities until the second cycle. speaking test in cycle 2, there are 80 % of students reach 3.1-4.0 score categorized as good. In addition, the observation of cycle 2 showed that there are 75% of students got good criteria in class participation. Both of these criteria indicated that utilizing the cup stacking games can boost the students' speaking ability.
Co-Authors Andi Chairil Furqan Hartina, St. Lasodi, Nurfadila Ramdani Muh Darma Halwi Muliati Nurdin, Jurana Rabiah