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Journal : Journal of Islamic Economic Laws

ANALYSIS OF THE EFFICIENCY LEVEL OF SHARIA RURAL FINANCING BANK (SRFB ) USING DATA ENVELOPMENT ANALYSIS (DEA) Mariana, Leyla; Harun, Harun
Journal of Islamic Economic Laws Vol 3, No 1 (2020): Journal of Islamic Economic Laws
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (379.153 KB) | DOI: 10.23917/jisel.v3i1.10193

Abstract

This research aims to analyze the efficiency level of Sharia Rural  Financing Bank (SRFB) in Surakarta.  This study used data from four Rural Sharia Banks taken from www.ojk.co.id, which published its annual report. This study conducted input-output variables with the Data Envelopment Analysis (DEA) method as a tool of analysis. The results of the research showed that the SRFB Dana Amanah is indicated as efficient during the 2017 period. The other three are indicated as inefficient in the last quarter. The inefficiency source came from its operational cost and its incapability to get higher output.
The Impact of ROA, BOPO, FDR, CAR, NPF on Mudharabah Profit Sharing Rate Bramandita, Bramandita; Harun, Harun
Journal of Islamic Economic Laws Vol 3, No 2 (2020): Journal of Islamic Economic Laws
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v3i2.11335

Abstract

This research was conducted to analyze the effect of Return on Assets (ROA), Operational Cost of Operating Income (BOPO), Financing Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), and Non-Performing Financing (NPF) on the level of profit-sharing at Mudharabah Banks Syariah with Case Study of BNI Syariah Bank in Indonesia. The data used is using the data recorded in the Financial Services Authority and financial reports published in 2016-2018. The data analysis method that will be used is Ordinary Least Square OLS after a series of Classical Assumptions tests. This research results that were partially finding the independent variables ROA, BOPO, FDR, and CAR have a significant effect. Meanwhile, the NPF variable does not have a significant effect on the Mudharabah Profit Sharing variable. This study shows that the NPF ratio is a picture of non-performing loans that do not significantly affect mudharabah profit-sharing, emphasizing the superiority of sharia contracts, especially mudharabah contracts.