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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Eksis: Jurnal Ilmiah Ekonomi dan Bisnis JURNAL MANAJEMEN BISNIS JESI (Jurnal Ekonomi Syariah Indonesia) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Ilomata International Journal of Management Journal of Management - Small and Medium Enterprises (SME's) JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Ilomata International Journal of Management El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal La Sociale JURNAL MANAJEMEN AKUNTANSI (JUMSI) Expensive: Jurnal Akuntansi dan Keuangan
Yanti, Nursantri
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Social Sciences Other

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Journal : Journal La Sociale

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The Effect of Capital Adequacy Ratio and Sukuk Sales on Profitability at Bank Muamalat Puspa, Chairunnisa Dian; Harahap, Muhammad Ikhsan; Yanti, Nursantri
Journal La Sociale Vol. 5 No. 4 (2024): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v5i4.1233

Abstract

This research purpose is to provide empirical evidence regarding the influence of the Capital Adequacy Ratio (CAR) and Sukuk sales on profitability at Bank Muamalat in 2018-2022. The independent variables in this research are the Capital Adequacy Ratio (CAR), sukuk sales and the dependent variable is profitability. This research uses secondary data obtained from Bank Muamalat’s financial reports. The population in this research is the annual financial report of Bank Muamalat for 2018-2022. The samples used in this research were 60 samples. The analytical method used is multiple linear regression analysis with the help of Eviews 13 and SPSS 25 software. The research results show (1) partially the the Capital Adequacy Ratio (CAR) has a positive and significant effect on profitability with a significant value of 0,032. (2) partially, Sukuk sales have a positive and significant effect of 0,004. (3) simultaneously the Capital Adequacy Ratio (CAR) and sukuk sales influence profitability with a calculated F value of 44,816 so that F calculated > F table, namely 44,816 > 3,16 and it can be seen from the Determination Test (R2) which states that the variables Capital Adequacy Ratio (CAR) and Sukuk sales simultaneously (ROA), namely 13,6%, while the remaining 86,4% is explained by other variables not included in this research model.
Impact of Sharia Kur financing on performance of MSMEs financing of Indoensian Syariah Banking Hsb, Sarmania; Syahbudi, Muhammad; Yanti, Nursantri
Journal La Sociale Vol. 5 No. 5 (2024): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v5i5.1368

Abstract

Financing for Micro, Small and Medium Enterprises (UMKM) has an important role in the local economy, especially in rural areas such as Gunung Tua, North Padang Lawas. Bank Syariah Indonesia (BSI) Gunung Tua Sub-Branch Office (KCP) provides Sharia People's Business Credit (KUR) financing to support MSMEs in increasing working capital and investment. This research aims to examine the impact of KUR Syariah financing on the Performing Financing of UMKM under the guidance of BSI KCP Gunung Tua. The research method used is mix method with a case study approach. Data was collected through in-depth interviews with KUR Syariah BSI KCP Gunung Tua managers and UMKM owners who received financing, as well as through direct observation and analysis of related documents. The research results show that KUR Syariah financing from BSI KCP Gunung Tua has a positive impact on increasing UMKM Financing Performance. The socialization and information dissemination strategy carried out by BSI KCP Gunung Tua has succeeded in increasing UMKM awareness and interest in KUR Syariah financing. An easy and transparent financing process and the implementation of a strict monitoring system also support the effectiveness of this financing. KUR Syariah financing from BSI KCP Gunung Tua not only provides the capital needed by UMKM, but also plays an important role in the economic empowerment of UMKM and local communities. By continuing to improve marketing and service strategies, BSI can continue to be a reliable partner for UMKM in developing their businesses.
Co-Authors Amelia, Anika Aslami, Nuri Bi Rahmani, Nur Ahmadi Budi Harianto, Budi Erlina Erlina Februari, Budi Hani, Zulfa Harahap, Muhammad Ikhsan Hsb, Sarmania Lubis, Herlina Lubis, Melisa Manurung, Ibnu Syawali Marliyah, Marliyah Muhammad Lathief Ilhamy Nasution muhammad Syahbudi, muhammad Nasution, Fathia Zuhra Nasution, Sakinah Jahrani Nurul Inayah Nurul Jannah Nurul Wahidah Puspa, Chairunnisa Dian Rafli, Mhd Ritonga, Lilis Suryani Tuti Anggraini Yuhda, Ahmad Sabili