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PERAN KECUKUPAN MODAL ATAS PENGARUH RISIKO PEMBIAYAAN DAN LIKUIDITAS TERHADAP PROFITABILITAS (STUDI PADA BANK UMUM SYARIAH PERIODE 2016-2018) Ryan Yushinta; Muhammad Rusdi; Lidia Desiana
AL-QARDH Vol 5, No 2 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v5i2.2151

This study aims to analyze and determine the influence of financing and liquidity risks on profitability with capital adequacy as an intervening variable in Islamic Commercial Banks in Indonesia for the period of 2016-2018. The population in this study were 14 Islamic Commercial Banks in Indonesia in the 2016-2018 period. The technique used in sampling is purposive sampling. The sample used is the 2016-2018 quarterly report on 7 Sharia Commercial Banks. The type of data used is secondary data. Data analysis techniques in this study used SPSS 21 software, which consisted of descriptive statistical analysis, classic assumption tests, multiple regression analysis, and mediation testing using the causal step and sobel test methods. By using multiple regression analysis, the results of the study show that the financing risk (NPF) has a negative and significant effect on profitability (ROA). Liquidity (FDR) has a positive and significant effect on profitability (ROA). Capital adequacy (CAR) doesn’t affect profitability (ROA). Financing risk (NPF) has a negative and significant effect on capital adequacy (CAR). Liquidity (FDR) doesn’t affect capital adequacy (CAR). Then based on the results of the analysis using the causal step and sobel test methods, capital adequacy (CAR) mediates the effect of financing risk (NPF) and liquidity (FDR) on profitability (ROA).

Pengaruh Work Family Conflict Dan Beban Kerja Terhadap Kinerja Karyawan Wanita Dengan Stres Kerja Sebagai Variabel Intervening Iin Muhareni; Muhammad Rusdi; Bunga Mar'atush Shalihah
Al Huwiyah: Journal of Woman and Children Studies Vol 2, No 1 (2022): Al-Huwiyah:Journal of Woman and Children Studies
Publisher : Universitas Islam Negeri Raden Intan Lampung

This study aims to determine and analyze the effect of work family conflict and workload on the performance of female employees at Bank Sumsel Babel Syari'ah with work stress as an intervening variable. The sample in this study were female employees who worked at Bank Sumsel Babel Syariah who were married and had children, totaling 35 people. The results showed that work family conflict had no effect on the performance of female employees of Bank Sumsel Babel Syariah. However, workload has a positive and significant effect on the performance of female employees of Bank Sumsel Babel Syariah. Then work stress has a negative and significant effect on the performance of female employees of Bank Sumsel Babel and work family conflict has a positive and significant effect on stress. Workload has a positive and significant effect on work stress on female employees of Bank Sumsel Babel Syariah. Based on the results of the analysis of work stress is not able to mediate the effect of work family conflict on employee performance. Then based on the results of the analysis using the causal step method, job stress is able to mediate the effect of workload on employee performance

Challenges Faced By Shariah Supervisory Board Members: A Case Study in One Islamic Bank Soufran Yusuf; Romli SA; Muhammad Rusdi
Al-Buhuts Vol. 19 No. 1 (2023): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v19i1.3555

The purpose of this study was to explore the challenges faced by members of the Shariah Supervisory Board and how they overcame the challenges in carrying out their functions in Islamic banks. This research was a case study and three members of the Shariah Supervisory Board of one of the regional Islamic banks in South Sumatra were selected as research participants by using total sampling. This research was conducted qualitatively using case study. This research used semi-structured interviews as a data collection method. Then, the data were analyzed using the interactive analysis model suggested by Miles and Huberman. The interview results revealed the challenges faced by the Shariah Supervisory Board members were related to competence, independence, professionalism, integrity and technology. The results also revealed how members of the Shariah Supervisory Board overcame these challenges.

Does Extraversion, Agreeableness and Collectivism Leverage Levels for Job Involvement? Muhammad Rusdi; Heru Kurnianto Tjahjono
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 10 No 1 (2023): June
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v10i1.35537

Job involvement is crucial to worker performance and productivity. This paper investigates the effects of extraversion and agreeableness on job involvement. We also suggest a link between collectivism and job involvement. The data were submitted by 190 registered nurses who worked at two public hospitals for additional research by employing PLS-SEM analysis. The findings show that extraversion, agreeableness, collectivism, and employee job involvement are all positively correlated. We consider the study's practical implications and conclude that personality traits can affect job involvement.

Waste Treatment Business By Bumdesa Semambu Makmur As the Practice of Islamic Teachings About Cleanliness Ardani Ardani; Maya Panorama; Muhammad Rusdi
Medina-te : Jurnal Studi Islam Vol 19 No 1 (2023): Medina-Te: Jurnal Studi Islam
Publisher : Pascasarjana Universitas Islam Negeri Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/medinate.v19i1.16849

This research was conducted in order to empirically prove the connection between the waste treatment business run by Bumdesa Semambu Makmur Semambu Island, Indralaya District, Ogan Ilir Regency and the implementation of Islamic Economics. This research uses a qualitative method with a descriptive analysis approach. by the Ministry of Law and Human Rights of the Republic of Indonesia. The business fields that are run by Bumdesa Semambu Makmur are home industry, agriculture, serving, waste processing, rental, Village PAM, and Brokering. The main business being carried out is the processing of plastic waste which produces chopped plastic. The special benefit of the plastic waste business for the people involved in plastic waste collection activities is in the form of compensation in the form of money, for Bumdesa Semambu Makmur the benefit is the fulfillment of the raw material needs for chopped plastic which provides income for Bumdesa. The general benefit (ammah) to and from the village environment is the better level of cleanliness in residents' settlements from plastic waste, this is because residents are motivated to collect plastic waste in the hope of getting economic benefits. Keeping the environment clean is the implementation of Islamic teachings.

THE EFFECT OF LEADERSHIP, WORK EXPERIENCE, COMPENSATION, AND WORK ENVIRONMENT ON WORK PRODUCTIVITY OF PRODUCTION EMPLOYEES Anti Zalika; Muhammad Rusdi; Fakhrina
Indonesian Journal of Multidisciplinary Sciences Vol. 1 No. 1 (2022): Indonesian Journal of Multidisciplinary Sciences
Publisher : CV. Era Digital Nusantara

This study aims to analyze the extent of the influence of leadership, work experience, compensation and work environment on the work productivity of employees in the production. The type of research used in this research is the type of quantitative research. The source of the data comes from the results of a questionnaire aimed at employees of the production division. The population in this study were all employees of the production division, totaling 75 people and the sampling in this study used the saturated sampling method, namely a sampling technique where all members of the population were sampled, this was done because the population was relatively small or less. of 100, with a sample of 75 people. Testing the hypothesis in this study using multiple linear regression, for data analysis with the help of the SPSS Ver 21 program. The results of this study indicate a positive and significant influence between leadership, work experience, compensation and work environment on work productivity, the results of the multiple regression test are Y = 0.470 + 0.079 X1 + 0.975 X2 + 0.067 X3 + 0.060 X4, and the results of the F test are Fcount (636.862) > Ftable (2.50). with a significance value of 0.000 <0.05, it can be concluded that the independent variables namely leadership, work experience, compensation and work environment together have a positive and significant influence on the dependent variable, namely work productivity.

Anaisis Inklusi Keuangan Bagi Pelaku Umkm Di Kabupaten Ogan Komering Ulu: Studi Kasus Nasabah Bank Syariah Indonesia Cabang Baturaja Sri Merzarani; Muhammad Rusdi; Rika Lidyah
Medina-te : Jurnal Studi Islam Vol 19 No 1 (2023): Medina-Te: Jurnal Studi Islam
Publisher : Pascasarjana Universitas Islam Negeri Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/medinate.v19i1.16759

The purpose of this study, among others, is to anayze the implementation of financia inclusion at Bank Syari`ah Indonesia (BSI) Baturaja Branch in the MSME sector through BSI Kur Micro financing for the people of Kab. OKU and To anayze the development of financial inclusion of Bank Syariah Indonesia (BSI) Baturaja branch in the MSME sector through BSI Kur Micro financing for the people of Kab. OKU. The author uses a quaitative descriptive research method, namely quaitative research, which seeks financia inclusion in Bakan Syari`ah Indonesia (BSI) Cabang Baturaja.. The technique of collecting/collecting quaitative data is basicaly tentative in terms of user anaysis is determined by the context of research. ahan dan gambaran data who was embarrassed to get. The data collection technique that the authors use in this research is preliminary (interview) in documentation. The results of this study are that Bank Syariah Indonesia has implemented maximum financia inclusion in terms of capita investment using BSI Kur Mikro financing, they have capitaized on BSI Kur Mikro financing products. According to them, this product has come back quite well and helps each other for sellers who have micro and smal businesses that require financing fasifications.

THE INFLUENCE OF ORGANIZATIONAL COMMITMENT AND ETHICS CLIMATE ON EMPLOYEE PERFORMANCE OF EL FAJR HOUSE OF EDUCATION FOUNDATION PALEMBANG Malikal Mulki Octadyla; Sayyid Muhammad Abdurrahman; Cindi Pramita; Muhammad Rusdi
Jurnal Ekonomi Vol. 12 No. 3 (2023): Jurnal Ekonomi, 2023, September
Publisher : SEAN Institute

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

The implementation of Good Corporate Governance is very important in carrying out good corporate governance, including in local tax management practices. The principles of Good Corporate Governance also act as a controller for the government to run a good government and free from corruption, collusion and nepotism. The purpose of this study is to propose a research model on the factors that influence the improvement of the quality of employee performance through the application of Good Corporate Governance principles. A review of the relevant literature indicates that independence, transparency, accountability, responsibility, and obligation are determining factors in explaining or defining Good Corporate Governance. Meanwhile, employee performance can be explained from performance planning, performance implementation, performance measurement, performance appraisal, and performance evaluation. The theoretical implication in this study is to improve the quality of pre-existing employee performance in the form of a company.

Pengaruh Work Family Conflict Dan Beban Kerja Terhadap Kinerja Karyawan Wanita Dengan Stres Kerja Sebagai Variabel Intervening Iin Muhareni; Muhammad Rusdi; Bunga Mar'atush Shalihah
Al Huwiyah: Journal of Woman and Children Studies Vol 2, No 1 (2022): Al-Huwiyah:Journal of Woman and Children Studies
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/jwcs.v2i1.11229

This study aims to determine and analyze the effect of work family conflict and workload on the performance of female employees at Bank Sumsel Babel Syari'ah with work stress as an intervening variable. The sample in this study were female employees who worked at Bank Sumsel Babel Syariah who were married and had children, totaling 35 people. The results showed that work family conflict had no effect on the performance of female employees of Bank Sumsel Babel Syariah. However, workload has a positive and significant effect on the performance of female employees of Bank Sumsel Babel Syariah. Then work stress has a negative and significant effect on the performance of female employees of Bank Sumsel Babel and work family conflict has a positive and significant effect on stress. Workload has a positive and significant effect on work stress on female employees of Bank Sumsel Babel Syariah. Based on the results of the analysis of work stress is not able to mediate the effect of work family conflict on employee performance. Then based on the results of the analysis using the causal step method, job stress is able to mediate the effect of workload on employee performance

RISK MANAGEMENT IMPLEMENTATION STRATEGY THROUGH DIVERSIFICATION AT BANK MUAMALAT IN INDONESIA Muhammad Rusdi; M. Junestrada Diem; Pamuji
Journal Of Islamic Ekonomic and Business Vol 3 No 1 (2024): IEB Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/5gzx5k62

Strategy is of course needed to face risks in every bank, both conventional and sharia banks. One strategy that can be implemented is diversification. Diversification is a financial strategy by placing funds in various investment tools with very different levels of risk and potential profits, and usually this strategy allocates assets. This research examines the strategies used by Bank Muamalat in dealing with/responding to problems that occur. The research results show that one of the strategies carried out by Bank Muamalat is to emphasize its risks through diversification. The financing diversification strategy implemented by Bank Muamalat is to produce healthy financing growth. So that Bank Muamalat makes improvements in end-to-end procedures and maintains the quality of financing by determining risks that will occur. The method used in this research is a qualitative method with a literature study approach. The data used is secondary data, namely data sourced from existing literature and references, such as in journals, scientific papers, encyclopedias and other data sources related to the research topic. Data analysis was carried out in three stages, namely, data reduction, data presentation and verification. This research needs to be carried out because the aim of diversifying is to get as much profit as possible and avoid the threat of loss. Especially at Muamalat Bank, which currently has a lot of competitors, so the bank must be able to manage the losses that it fears will occur in the future. However, of course the strategy carried out is not only diversification, but of course a fairly strong strategy is also needed in Bank Muamalat's risk management. There are things that need to be done, such as identifying risks that will occur, measuring risks that might occur, and how to manage risks that are occurring.

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