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Journal : Journal Of Sharia Banking

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 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.
EFFECT OF FEE BASED INCOME AND OPERATIONAL COSTS ON PROFIT IN PT. SHARIA INDONESIAN PEOPLE'S BANK karlina karlina; ikhwanuddin harahap; Windari windari; ali ali
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 (612.613 KB) | DOI: 10.24952/jsb.v1i2.4436

Abstract

This research is motivated by decline in profitability in the first quarter of 2017 which is thought to be influenced by income, especially income derived from services (fee based income) and operating cost. The purpose of this study was to determine the effect of  fee based income and operating cost on profits at PT. Bank Rakyat Indonesia Syariah both partially and simultaneously. This study is a quantitative study, data analysis techniques with multiple linear regression analysis, with data processing used through the SPSS 23 Program. The results of the study show that simultaneously fee based income and operating costs affect earnings. But partially, fee based income variables hasn’t effect on earnings. While operating costs affect earning. The coefficient of determination (R2) obtained R2 of 0,552. This show that 55,2% of each profit growth can be explained by the variable fee based income and operating costs, the remaining 44,8% is explained by other variables outside this study.