Ali Hardana
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EFFECT OF CORE CAPITAL AND SUPPLEMENTARY CAPITAL ON CAPITAL ADEQUACY RATIO (CAR) IN PT. BNI SHARIA PERIOD 2011-2018 arjun arjun; Windari windari; ali hardana; syuaib nasution
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (738.398 KB) | DOI: 10.24952/jsb.v2i1.4439

Abstract

Based on data obtained from the financial statements of PT. BNI Syariah for the period of 2011-2018 an increase in the value of CAR is not in line with an increase in capital but an increase in CAR while capital has decreased in 2012, 2016 and 2018. A decrease in the value of CAR is not in line with a decrease in capital but a decrease in the value of CAR while capital has increased in 2017. The purpose of this study was to determine the effect of core capital and complementary capital variables partially and simultaneously on CAR at PT. BNI Syariah for the period of 2011-2018. The results of the partial research (t test) core capital has no partial effect on CAR as evidenced by tcount ttable (1,296 2,045), and supplementary capital has a negative effect on CAR as evidenced by tcount ttable ie (-2,849 - 2,045). Whereas simultaneously core capital and supplementary capital variables have simultaneous (joint) influence on CAR as evidenced by Fcount Ftable (4.060 3.33).
THE EFFECT OF MUDHARABAH, MUSYARAKAH AND MURABAHAH FINANCING ON NET PROFIT IN PT. BANK MUAMALAT INDONESIA, Tbk ayu rumi; arbanur rasyid; ali hardana; sulaiman efendi
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (769.931 KB) | DOI: 10.24952/jsb.v1i2.4431

Abstract

This research is a quantitative research using multiple linear regression data analysis with data collection techniques used are documentation and literature study. The data was processed using statistical calculations with the SPSS 23.0 computer program, with a total sample of 53 samples whose data was obtained through the website www.ojk.go.id. The results showed that partially mudharabah financing had an effect on net income because the value of tcount ttable (2,011 2,009), musyarakah financing had an effect on net income because the value of -tcount -ttable (-1,925 -2,009), and murabahah financing had an effect on profit. net because the value of tcount ttable (2,366 2,009). Simultaneously, mudharabah, musyarakah and murabahah financing affect net income because the value of Fcount Ftable (5.689 2.79). The effect of mudharabah, musyarakah and murabahah financing on net income is 25.8%, while the remaining 74.2% is influenced by other factors not included in this study.
THE EFFECT OF THE MOTIVATION OF AVOIDING RIBA AND KNOWLEDGE OF SHARIA BANKING PRODUCTS ON THE DECISION TO BECOME A CUSTOMER AT PT. BANK MUAMALAT INDONESIA TBK KC PADANGSIDIMPUAN heni mutiara; Windari windari; ali hardana; syuaib nasution
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (732.196 KB) | DOI: 10.24952/jsb.v1i2.4433

Abstract

This study aims to determine the significant influence between motivation to avoid usury and knowledge of Islamic banking products on the decision to become a customer at PT. Bank Muamalat Indonesia Tbk KC Padangsidimpuan. The method used in this research is descriptive quantitative. The data collection techniques used were questionnaires and documentation. Sampling in this study using random sampling with a sample size of 99 people. To simplify the data analysis process, this research was assisted by the SPSS version 23 program. The t test results indicate that there is a significant influence between motivation to avoid usury and knowledge of Islamic banking products on the decision to become a customer. Based this shows that the influence of the motivation variable to avoid usury and knowledge of Islamic banking products on the customer satisfaction variable.
KORELASI ANTARAINFLASI DAN PENGANGGURAN Ali Hardana
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 3, No 2 (2015)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (298.41 KB) | DOI: 10.24952/masharif.v3i2.839

Abstract

Inflation and unemployment are the two important variables tosee the economic condition in the country, inflation and unemploymenthave a negative relationship, when inflation rate has increases theunemployment rate will bed crease (phillip curve). Inflation rate alwaysincreasing every year and if the government can’t handle the inflationgrowth its possibly the economic crisis will happen again. This researchaims how the inflation rate influence the unemployment rate during 2002-2012. The analysis shows that there is at least the inflation andunemployment have the significant influence.
Analisis Perbandingan Metode CAMELS Dan Metode RGEC Dalam Menilai Tingkat Kesehatan PT. Bank Panin Dubai Syariah, Tbk M. Fauzan; Ali Hardana; Ananda Anugrah Nasution; Mahmud Pasaribu
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 3 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (466.922 KB) | DOI: 10.30651/jms.v6i3.9998

Abstract

AbstractBanks As intermediary institutions have a very important role in driving the economy in Indonesia, so banks must be managed very carefully and need special supervision from the government. The bank soundness assessment method continues to evolve, there are two newer bank soundness assessment methods namely CAMELS and RGEC. This study aims to compare the CAMELS and RGEC methods in assessing the soundness of PT. Bank Panin Dubai Syariah Tbk 2014-2018. This research is quantitative research. The population of this research is the financial statements of PT. Bank Panin Dubai Syariah Tbk. The sample of this research is the financial statements of PT. Bank Panin Dubai Syariah Tbk 2014-2018. The analytical technique used is descriptive analysis using the CAMELS and RGEC methods. The results of this study indicate that the assessment of bank soundness using the CAMELS and RGEC methods has different results. The CAMELS method is more focused on achieving profit and growth, while the RGEC method focuses on a combination of self-assessment assessment that emphasizes risk management, GCG implementation, and financial ratios that measure the condition of a bank. So that the RGEC method becomes a more comprehensive bank soundness assessment solution.Keywords: Bank Soundness Level, CAMELS, RGECAbstrakBank Sebagai lembaga intermediary memiliki peran yang sangat penting dalam menggerakkan perekonomian di Indonesia, sehingga bank harus dikelola dengan sangat hati-hati dan perlu pengawasan khusus dari pemerintah. Metode penilaian kesehatan bank terus berkembang, ada dua metode penilaian kesehatan bank terbaru yaitu CAMELS dan RGEC. Penelitian ini bertujuan untuk membandingkan metode CAMELS dan RGEC dalam menilai tingkat kesehatan bank PT. Bank Panin Dubai Syariah Tbk tahun 2014-2018. Penelitian ini adalah penelitian kuantitatif. Populasi penelitian ini adalah Laporan keuangan PT. Bank Panin Dubai Syariah Tbk. Sampel penelitian ini adalah Laporan keuangan PT. Bank Panin Dubai Syariah Tbk Tahun 2014-2018. Teknik analisis yang digunakan yaitu analisis deskriptif dengan menggunakan metode CAMELS dan RGEC. Hasil penelitian ini diketahui bahwa penilaian kesehatan bank dengan metode CAMELS dan RGEC memiliki hasil yang berbeda. Metode CAMELS lebih difokuskan kepada pencapaian laba dan pertumbuhan, sedangkan metode RGEC terfokus kepada kombinasi penilaian self assessment yang menekankan kepada manajemen risiko, pelaksanaan GCG, dan rasio keuangan yang mengukur kondisi suatu bank. Sehingga Metode RGEC menjadi solusi penilaian kesehatan bank yang lebih komprehenshif.Kata Kunci: Tingkat Kesehatan Bank, CAMELS, RGEC