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Journal : Journal of Finance and Islamic Banking

Analisis Hubungan antara Pendapatan, Dana Pihak Ketiga, dan Return On Asset dengan Tingkat Bagi Hasil Deposito Mudharabah Haedar Ali; Supriyanto Supriyanto
Journal of Finance and Islamic Banking Vol. 1 No. 1 (2018)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v1i1.731

Abstract

The income, DPK (Third Party Funds), ROA (Return on Assets), and profit-sharing rate of mudharabah deposits constitute essential components of a bank's balance sheet, with hypothesized interrelations. Understanding these relationships is crucial for informing managerial decision-making processes. This study seeks to meticulously examine the potential correlations between income, DPK, and ROA with the profit-sharing rate of mudharabah deposits. The dataset utilized comprises BNI Sharia's quarterly reports spanning the years 2010 to 2015. Pearson's correlation was employed for data analysis. The findings of this study indicate a significant relationship between income and the profit-sharing rate of mudharabah deposits. However, no such relationship was observed between DPK and ROA with the profit-sharing rate of mudharabah deposits. This research makes noteworthy contributions: firstly, to academia by providing empirical evidence supporting existing theories; and secondly, to bank managers by furnishing valuable insights that can aid in making informed decisions.
Persepsi Masyarakat Non Muslim Terhadap Minat Menjadi Nasabah Bank Syariah Nur Rifai; Taufiq Wijaya; Supriyanto Supriyanto
Journal of Finance and Islamic Banking Vol. 2 No. 1 (2019)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v2i1.1811

Abstract

This study aims to determine whether cognitive, affective, and conative perception variables influence the interest of becoming customers of Islamic banks in Surakarta. The research employs quantitative methods, with a sample size of 100 respondents determined using the Slovin formula from a non-Muslim population of 122,130 inhabitants in Surakarta. Data analysis utilizes Multiple Linear Regression Analysis. The findings indicate that, based on the statistical tests, the combined influence of cognitive, affective, and conative perception variables (simultaneously-Test F) positively affects the interest in becoming customers of Islamic banks. The t-test reveals that cognitive perception (X1), affective perception (X2), and conative perception (X3) individually have a positive influence on the interest in becoming customers of Islamic banks (Y), each with a significant level. The regression equation demonstrates that cognitive perception, affective perception, and conative perception variables collectively impact the interest in becoming customers of Islamic banks. Thus, the null hypothesis (Ho) is rejected, and the alternative hypothesis (Ha) is accepted. The most dominant variable among them is the conative perception variable.
Penguatan Financial Performance dan Poverty Reduction Melalui Literasi Keuangan di Industri Keuangan Non Bank (IKNB) Syariah pada Masyarakat Jawa Tengah Joko Robi Prasetyo; Supriyanto Supriyanto; Budi Sukardi
Journal of Finance and Islamic Banking Vol. 2 No. 2 (2019)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v2i2.1942

Abstract

This study aims to analyze the effect of accessibility directly on financial performance, the effect of indirect accessibility on financial performance through poverty reduction, the effect of direct availability on financial performance, the effect of indirect availability on financial performance through poverty reduction, the effect of direct usefulness on financial performance, the effect of indirect use on financial performance through poverty reduction, the effect of financial performance directly on poverty reduction. This research was conducted in the Islamic non-bank financial industry (IKNB) in the Central Java region which is incorporated in the OJK Sharia Financial Statements and Central Java BPS Reports. The results of the study are accessibility does not directly affect financial performance (p.0,318> 0.05). Availability does not directly affect financial performance, this is evidenced by the statistical t value (p.0,605> 0.05). Usability does not directly affect financial performance, this is evidenced by the statistical t value (p.0,456> 0.05). Financial performance does not directly affect poverty reduction, this is evidenced by the statistical t value (p.0,153> 0.05).
Bank Wakaf Mikro Usaha Mandiri Sakinah: Pemberdayaan Ekonomi Perempuan Universitas Aisyiyah Yogyakarta Chandra Mahardika Putri Dewanti; Supriyanto Supriyanto; M Endy Saputro
Journal of Finance and Islamic Banking Vol. 3 No. 2 (2020)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v3i2.2970

Abstract

Bank Wakaf Mikro (BWM) Usaha Mandiri Sakinah merupakan BWM pertama berbasis universitas di Indonesia. Di bawah naungan Universitas Aisyiyah (UNISA) Yogyakarta, BWM ini fokus pada penyediaan akses pembiayaan dan pemberdayaan perempuan pelaku usaha kecil dan mikro. Kegiatan pemberdayaan tesebut terwujud melalui program pelatihan dan pendampingan. Tulisan ini merupakan hasil analisis terhadap etos gerakan BWM Usaha Mandiri Sakinah. Bagaimana pandangan Aisyiyah memengaruhi gerakan BWM Usaha Mandiri Sakinah? Bagaimana langkah BWM Usaha Mandiri Sakinah dalam mengupayakan pemberdayaan ekonomi perempuan? Sejauh apa dampak langkah tersebut bagi perempuan pelaku usaha kecil dan mikro? Tulisan ini berargumen bahwa BWM adalah salah satu alternatif yang dapat dilakukan untuk menyediakan akses bagi pengembangan ekonomi kecil dan mikro, serta berdampak bagi kemampuan produktif dan eksistensi perempuan dalam menentukan keputusan.