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All Journal JURNAL AL-QARDH Fakultas Ekonomi dan Bisnis Islam Journal Of Sharia Banking Imara: Jurnal Riset Ekonomi Islam
Nofinawati Nofinawati
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Religion Humanities Economics, Econometrics & Finance Environmental Science Social Sciences

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IMPLEMENTATION OF SHARIA BANKS’ SOCIAL FUNCTION AND THE IMPACT ON WELFARE OF PADANGSIDIMPUAN SOCIETY Nofinawati Nofinawati
AL-QARDH Vol 3, No 2 (2018): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (747.323 KB) | DOI: 10.23971/jaq.v3i2.1176

Abstract

Social function of Sharia Banks is to receive funds i.e. zakat, infaq, sedekah, wakaf, hibah, and distribute them in accordance to sharia laws under the banks’ name or amil zakat institutions appointed by the government. This function is an aspect that distinguishes sharia banks and conventional ones. In sharia law, social function and other functions cannot exist without the other. The implementation of social function in Kota Padangsidimpuan is in accordance with legal basis which is UU No. 21 tahun 2008. However, PT. Bank SUMUT Syariah KCS Padangsidimpuan has no authority to distribute social fund due to its existence as Islamic Windows. The implementation actually has positive impact on the welfare of the society despite being temporary. While it is only impactful towards those who receive the fund, the distribution is helpful.
The Effect of Non Performing Financing (NPF) and Earning Asset Quality (KAP) on Return On Assets (ROA) at PT. Bank Rakyat Indonesia Syariah, Tbk 2009-2018 nur haliza; nofinawati nofinawati; damri batubara; nando fahrizal
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 (842.934 KB) | DOI: 10.24952/jsb.v2i1.4444

Abstract

Return On Assets (ROA) is a ratio used to determine the bank's ability to generate profits. The problem in this research is that there is a phenomenon that is not in accordance with the theory. Where, in 2011 the fourth quarter of Non Performing Financing (NPF) decreased accompanied by a decrease in the value of Return On Assets (ROA), as well as Earning Asset Quality (KAP) increased but was not followed by an increase in Return On Assets (ROA). This research is a quantitative research, with the research location at PT. Bank Rakyat Indonesia Syariah, Tbk using secondary data as many as 40 samples in the form of quarterly consolidated financial statements obtained from the website www.ojk.go.id. Analysis of the data used is multiple linear regression test, classic assumption test, coefficient of determination (R2), as well as t test and F test. The results of the partial study (t test) show that Non Performing Financing (NPF) has a significant effect on return. On Assets (ROA), as evidenced by tcount ttable (2.464 2.026) with a significance level of 0.019 0.05, and Earning Asset Quality (KAP) has a significant effect on Return On Assets (ROA), as evidenced by - tcount -ttable that is (-3.385-2.026) with a significance level of 0.002 0.05. Meanwhile, simultaneously Non-Performing Financing (NPF) and Earning Asset Quality (KAP) have a significant effect on Return On Assets (ROA) as evidenced by Fcount Ftable (8.981 3.25) with a significant level of 0.001 0.05.The Effect of Non Performing Financing (NPF) and Earning Asset Quality (KAP) on Return On Assets (ROA) at PT. Bank Rakyat Indonesia Syariah, Tbk 2009-2018
The Effect of Profitability Ratios on Financial Distress in Islamic Commercial Banks in Indonesia hasanah siregar; darwis harahap; abdul nasser hasibuan; nofinawati nofinawati
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 (796.004 KB) | DOI: 10.24952/jsb.v1i2.4430

Abstract

The background of this research is based on the existing theory that the higher the level of profit sharing, the Musyarakah financing will increase, conversely if the profit sharing rate decreases, the Musyarakah financing will tend to decrease. This is not in accordance with the financial statements of sharia commercial banks and sharia business units for the 2016-2018 period. So that the formulation of the problem in this research is whether there is an effect on the level of revenue sharing towards the financing of Musyarakah in Sharia Commercial Banks and Sharia Business Units for the 2016-2018 Period. And this study aims to determine whether there is an effect of the level of profit sharing on the financing of Musyarakah in Sharia Commercial Banks and Sharia Business Units for the 2016-2018 Period. This study deals with financial statements that discuss the notion of financing, elements of financing, financing functions, financing benefits, understanding Musyarakah, types of Musyarakah, Al-Musyarakah benefits, Understanding of results, basic principles of the concept of revenue sharing, method of calculation of results , the application of profit sharing in Islamic banking, in connection with the approach taken is the theories relating to the financing of Musharaka, profit sharing. This type of research is descriptive quantitative research. The data source used is secondary data taken through www.ojk.go.id. Data collection techniques used are literature study and documentation based on financial reports on the level of profit sharing, musyarakah financing at Sharia Commercial Banks and Sharia Business Units for the 2016-2018 Period. The data analysis technique used is descriptive analysis test, normality test, simple linear regression analysis test, hypothesis test: t test, determination coefficient test (R2). The results of the study partially indicate that the level of revenue sharing affects the financing of Musyarakah.
PENGARUH INFLASI, BI RATE, DAN NILAI TUKAR RUPIAH TERHADAP DANA PIHAK KETIGA (DPK) PADA PERBANKAN SYARIAH INDONESIA TAHUN 2012-2017 Nofinawati Nofinawati
Imara: JURNAL RISET EKONOMI ISLAM Vol 2, No 2 (2018): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v2i2.1252

Abstract

Third Party Funds (TPF) consist of giro, savings and deposits account. The enhancement of TPF is influenced by several factors including Inflation, BI Rate and Rupiah Exchange Rate. In 2013, there was an escalation in Inflation and the BI Rate which was not accompanied by a decrease ofTPF. This is not corresponding with the theory proposed by AuliaPohan. It is said is that if inflation increases then TPF decreases. It is also not fit with Adiwarman Karim's theory of the BI Rate, that is, if there is a profit sharing of sharia funding less than the interest rate, the customer can move to a conventional bank. Whereas in 2013-2015 the Rupiah Exchange Ratedepreciated, whileTPF continued to increase. This condition is also compatible with the theory given by AuliaPohan. The existence of public expectations about the weakening of Rupiah could reduce can be collected by banks.
IMPLEMENTATION OF SHARIA BANKS’ SOCIAL FUNCTION AND THE IMPACT ON WELFARE OF PADANGSIDIMPUAN SOCIETY Nofinawati Nofinawati
AL-QARDH Vol 3, No 2 (2018): 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.v3i2.1176

Abstract

Social function of Sharia Banks is to receive funds i.e. zakat, infaq, sedekah, wakaf, hibah, and distribute them in accordance to sharia laws under the banks’ name or amil zakat institutions appointed by the government. This function is an aspect that distinguishes sharia banks and conventional ones. In sharia law, social function and other functions cannot exist without the other. The implementation of social function in Kota Padangsidimpuan is in accordance with legal basis which is UU No. 21 tahun 2008. However, PT. Bank SUMUT Syariah KCS Padangsidimpuan has no authority to distribute social fund due to its existence as Islamic Windows. The implementation actually has positive impact on the welfare of the society despite being temporary. While it is only impactful towards those who receive the fund, the distribution is helpful.
Co-Authors Damri Batubara Darwis Harahap hasanah siregar Hasibuan, Abdul Nasser nando fahrizal Nur Haliza