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Faktor Makroekonomi dan Mikroekonomi dalam Pembiayaan Bermasalah Bank Syariah di Indonesia Siregar, Pani Akhiruddin; Wahyuni, Tri; Bancin, Kadri
EQUILIBRIUM Vol 8, No 1 (2020): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v8i1.6091

Abstract

Research aims to test the influence of macroeconomic and microeconomic factors in the problem financing of Sharia Bank in Indonesia. The indicators of macroeconomic and microeconomic factors are inflation, BI Rate, CAR and FDR. The indicators of problematic financing of Sharia Bank in Indonesia is NPF. The research method uses a quantitative approach with multiple linear regression analysis techniques. Data used secondary data in the form of a monthly data From The Financial Report of Sharia Commercial Bank and Sharia Business Unit published by Sharia Banking Directorate, Bank Indonesia and the Bank Licensing and Banking Information Department, Indonesia Financial Services Authority through Sharia Banking Statistics Bank Indonesia/Indonesia Financial Services Authority from January 2006 to Juli 2016. The following research results: (1) The model estimate shows its R Square value of 0,319 representing the value of coefficient of determination. This means that 31,90% of the variable variations of the NPF are capable of being described by free variables in this model. The remaining 68,10% is explained by other reasons that do not fit into the model; (2) A regression model on the independent variable simultaneously affects the dependent variable, so that the independent variable regression model can be used to predict the dependent variable; and (3) Inflation and BI Rate significantly influence on NPF, but CAR and FDR have no impact on NPF.
Influence of Financial Risk to The Profitability of Sharia Banking In Indonesia Pani Akhiruddin Siregar; Amiur Nuruddin; M. Yusuf
Journal of Management and Business Innovations Volume: 01, Number: 02, 2019
Publisher : Management Department Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (105.962 KB) | DOI: 10.30829/jombi.v0i0.5628

Abstract

This research aims to deeply analyze the impact of CAR risk, NPF risk, BOPO risk, FDR risk and ROE risk to profitability. The profitability indicator is ROA variable. Quantitative data types in the form of monthly time-series data From The Financial Ratio Report of Sharia Commercial Bank and Sharia Business Unit published by Sharia Banking Directorate, Bank Indonesia and the Bank Licensing and Banking Information Department, Indonesia Financial Services Authority through Sharia Banking Statistics Bank Indonesia/Indonesia Financial Services Authority from January 2006 to January 2018.  The results showed: (1) A regression model on the independent variable simultaneously affects the dependent variable, so that the independent variable regression model can be used to predict the dependent variable; and (2) The CAR variable and FDR variable influential positive and significant toward ROA variable; NPF variable influential negative and significant toward ROA variable; BOPO variable influential negative and insignificant toward ROA variable; ROE variable influential positive and insignificant toward ROA variable.Keywords: financial risk, profitability, Sharia banking 
Faktor-Faktor Yang Mempengaruhi Debitur Konsumer Untuk Membeli Rumah Melalui Pembiayaan Kepemilikan Rumah (PKR) Murabahah Bank CIMB Niaga Syariah Pani Akhiruddin Siregar
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 4 | No. 2 | 2017
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Pada uji F, garis regresi bermakna sebagai penaksir atau variabel bebas secara serentak berpengaruh terhadap variabel terikat pada taraf signifikansi 5%. Hipotesisnya adalah terdapat pengaruh yang signifikan antara faktor-faktor yang mempengaruhi debitur konsumer untuk membeli rumah melalui PKR Murabahah Bank CIMB Niaga Syariah. Sedangkan pada uji t, hanya variabel pendapatan saja yang berpengaruh terhadap PKR Murabahah. Hipotesisnya adalah hanya variabel pendapatan yang berpengaruh secara signifikan terhadap PKR Murabahah.            Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh margin terhadap PKR Murabahah, pengaruh pendapatan terhadap PKR Murabahah, pengaruh pelayanan terhadap PKR Murabahah, pengaruh religi terhadap PKR Murabahah serta untuk mengetahui secara bersama-sama seberapa besar pengaruh margin, pendapatan, pelayanan dan religi terhadap PKR Murabahah. Metode penelitian yang digunakan adalah metode deskriptif dan jenis data yang digunakan adalah data kuantitatif. Sumber datanya berasal dari data primer dengan cara kuesioner. Adapun populasinya, yakni debitur konsumer PKR Murabahah dari September 2009 sampai Desember 2011 dengan jumlah sampel sebanyak 50 (lima puluh) debitur konsumer. Sampel dengan cara purposive sample.
Analisis Faktor-Faktor Yang Mempengaruhi Profitabilitas Perbankan Syariah Di Indonesia Pani Akhiruddin Siregar
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 5 | No. 2 | 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

This research aims to analyze how big the influence of CAR, NPF, FDR and BOPO against ROA Islamic banking in Indonesia. Approach to research with quantitative methods using secondary data. Types of quantitative data in the form of data runtun time (time series) monthly from the SPS-BI/OJK 2006:1-2018:1 period. Research models elaborated in the equation a linear multiple regression analysis with 0.05 significance level. From the results of the test, the variable F is free (CAR, NPF, FDR and BOPO) simultaneously significantly affect a variable is bound (ROA). This shows the regression model on CAR, NPF, FDR and BOPO can be used to predict the ROA. Whose hypotheses there is significant influence among variables a variable is bound against free. From the results of the test t, variable CAR influential and insignificant against the variable variable ROA, NPF has no effect and significantly to the variable variable FDR ROA, influential and significant variable against ROA. Then, the variable BOPO has no effect and does not significantly to variable ROA. From the results of the estimation model, the retrieved value R of the determination coefficient R 0,781 and the Square of the mean 0,610 of 61,10% of the variation could be explained by the bound variables are variables in the model. While remaining 38,90% explained by other causes which are not entered into the model.
RISIKO KEUANGAN DAN PENGARUHNYA TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA Pani Akhiruddin Siregar
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. V| No. 1 | 2020
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v5i1.7899

Abstract

Research aims to test financial risk and influence on the profitability of Sharia Bank in Indonesia. Financial risk indicators include CAR, NPF, BOPO, FDR and ROE. Profitability indicators of Sharia Banks in Indonesia are ROA. The research method uses a quantitative approach with multiple linear regression analysis techniques. Data used secondary data in the form of a monthly data From The Financial Report of Sharia Commercial Bank and Sharia Business Unit published by Sharia Banking Directorate, Bank Indonesia and the Bank Licensing and Banking Information Department, Indonesia Financial Services Authority from January 2006 to January 2018. Research results: (1)The result of the model estimate shows its R2 value of 0,614 representing the value of coefficient of determination. This means that 61,40% of the variable variations of the ROA are capable of being described by independent variable in this model. The remaining 38,60% is explained by other reasons that do'nt fit into the model; (2)A regression model on the independent variable simultaneously affects the dependent variable, so that the independent variable regression model can be used to predict the dependent variable; and (3)CAR, NPF and FDR are significantly influence on ROA. BOPO and ROE influential on ROA. But, it's not significant.
Pengaruh Rasio Keuangan Terhadap Profitabilitas Perbankan Syariah Indonesia Nur Janah Nur Janah; Pani Akhiruddin Siregar
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. III | No. 1 | 2018
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (173.518 KB) | DOI: 10.30821/ajei.v3i1.1703

Abstract

This study aims to analyze the influence of CAR, NPF, FDR and BOPO on the profitability of Indonesian Sharia Banking. Research approach with quantitative methods using secondary data. Quantitative data types consist of monthly time series data from SPS BI atau OJK on year 2006 until 2017. The research model is described in multiple linear regression analysis equations. With a significance level of 0.05. From the F test results, CAR, NPF, FDR and BOPO variables simultaneously significantly affect to ROA. This shows the regression model on CAR, NPF, FDR and BOPO can be used to predict ROA. There is significantly between independent variables to ROA variables. From t test results, CAR variables have no effect and not significant to ROA variables, NPF and BOPO variables have no effect and significant to ROA variable. While FDR variables have an effect and significant to ROA variable. The model estimation obtained R value of 0.860 and R Square determination coefficient of 0.740 which means 74% of the variation of the dependent variable can be explained by the independent variables in the model. While the reduce 26% is explained by other causes that are not included in the model.
PRAKTIK GADAI TANAH PERTANIAN DI NAGORI BANDAR RAKYAT, KECAMATAN BANDAR, KABUPATEN SIMALUNGUN Leo Kusuma; Pani Akhiruddin Siregar; Kadri Bancin
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. V| No. 1 | 2020
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v5i1.7898

Abstract

The research aims to see the practice of agricultural land pawn in Nagori Bandar Rakyat, Kecamatan Bandar, Kabupaten Simalungun. Methods of research with qualitative approach to phenomenology. The truth of phenomenology is fulfilled while the involvement of researchers as human instruments in the business can uncover, capturing the passion of the subject of economic phenomena or behavior in the field. Data obtained by interviews from the people Nagori Bandar Rakyat, Kecamatan Bandar, Kabupaten Simalungun who practiced the practice of agricultural land pawn. The results of the research showed the practice of agricultural land pawn in people Nagori Bandar Rakyat, Kecamatan Bandar, Kabupaten Simalungun not in accordance with sharia principles because of the detriment of either party. Because, the contract is done only to find profit. By giving a certain amount of money, murtahin got two advantages. Profit from the utilization of agricultural land guarantee and the debt from rahin. This happens because the public doesn‘t understand the Islamic Law well. The lack of Islam, even if the community does not know the impact, so that people do practice of agricultural land pawn according to customs.
Konsep Gadai Syariah Menurut Syafi’i Antonio Dewi Kumala Sari Hasibuan; Pani Akhiruddin Siregar
Jurnal Penelitian Medan Agama MEDAN AGAMA, VOL. 11, NO. 1, 2020
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Islam Negeri Sumatera Utara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58836/jpma.v11i1.8636

Abstract

This research aims to find out the concept of sharia pawn according to Syafi’i Antonio and the utilization of sharia pawnshop according to Syafi’i Antonio. Sharia pawn is sharia gold pawn. Qualitative research method is sourced in primary data in the form of library research that examines the Concept of Sharia Pawn according to Syafi’i Antonio by reviewing his book titled “Sharia Bank: From Theory to Practice”. As for the results of research: (1) The concept of sharia pawn according to Syafi’i Antonio is more to the application in sharia banking because ar-rahn or pawn contract is used in sharia banking as a complementary product; and (2) The utilization of sharia pawn according to Syafi’i Antonio which can be taken from the principle of ar-rahn is to maintain the possibility of customers to default on the financing facilities provided by the bank; provide security for all savers and depositholders that the funds will not disappear if the borrower's customer is unable to promise because there is an asset or goods (marhun) held by the bank; and if rahn is applied in the pawnshop mechanism, then of course the goods will be very helpful to our brothers who have difficulty funding especially in those areas.
Analisis Rasio Keuangan Terhadap Profitabilitas Perbankan Syariah Indonesia Dwi Yana Rahmalita; Pani Akhiruddin Siregar; Kadri Bancin
Jurnal Penelitian Medan Agama MEDAN AGAMA, VOL. 10, NO. 2, 2019
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Islam Negeri Sumatera Utara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (196.522 KB) | DOI: 10.58836/jpma.v10i2.6821

Abstract

This research aims to analyses deeply the influence of CAR variable, NPF variable, FDR variable and BOPO variable to profitability. The profitability indicator is ROA variable. Quantitative data types in the form of monthly time-series data From The Financial Ratio Report of Sharia Commercial Bank and Sharia Business Unit published by Sharia Banking Directorate, Bank Indonesia and the Bank Licensing and Banking Information Department, Indonesia Financial Services Authority through Sharia Banking Statistics Bank Indonesia/Indonesia Financial Services Authority from January 2006 to December 2018. The results showed: (1) A regression model on the independent variable simultaneously affects the dependent variable, so that the independent variable regression model can be used to predict the dependent variable; and (2) The CAR variable and the FDR variable influential positive and significant toward ROA variable; NPF variable influential negative and significant toward ROA variable; BOPO variable influential negative and insignificant toward ROA variable.
PEMAHAMAN MASYARAKAT MUSLIM DESA MANGKAI BARU TENTANG HUKUM PEMBAGIAN KEWARISAN Pani Akhiruddin Siregar; Eka Pertiwi Viranda; Nilna Mayang Kencana Sirait
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 7, No 1 (2022)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v7i1.9534

Abstract

Pembagian kewarisan dengan hukum waris Islam untuk yang beragama Islam sesuai Q.S. An-Nisaa’ (4): 13-14. Penelitian bertujuan untuk mengkaji pemahaman masyarakat muslim Desa Mangkai Baru tentang hukum pembagian kewarisan dan pelaksanaan pembagian kewarisan masyarakat muslim Desa Mangkai Baru. Metode penelitian kualitatif dengan pendekatan etnografi. Sampel random sederhana. Sampelnya mewawancarai 19 orang ahli waris dari Desember 2019 hingga Mei 2020. Hasil penelitian: (1) Hanya 48% yang paham pembagian kewarisan dengan hukum waris Islam. Sisanya 52% dijelaskan dengan hukum waris lain; (2) Pelaksanaan pembagian kewarisan, praktinya beragam. Dengan hukum waris Islam sekiranya ahli waris paham dan mengetahui manfaatnya. Dengan hukum adat membagi rata kewarisan tanpa adanya perbedaan jenis kelamin timbul “makno rukun” bahwa tali silaturrahim tidak terputus, kewarisan didapat bermanfaat dan berkah. Dengan musyawarah mufakat. Kesemuanya ahli waris menentukan masing-masing bagian kewarisannya yang diharapkan tidak munculnya sengketa di kemudian hari. Namun, tidak sedikit pula pewaris yang melakukan pembagian kewarisan sebelum pewaris wafat.Kata Kunci: Hukum Waris, Pembagian Kewarisan, Warisan.