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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) DI INDONESIA PASCA KRISIS KEUANGAN GLOBAL TAHUN 2008 Fasiha Kamal
MUAMALAH Vol 4, No 1 (2014): Muamalah
Publisher : MUAMALAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/m.v4i1.644

Abstract

BPR sharia as a financial institution must be able to carry out the functions and duties well, especially in terms of capability and effectiveness of the company's performance relating to financial and bank soundness as measured by financial ratios. Based on the above, this study used financial ratios to measure the performance of BPRS related to the profitability of the ROA.Therefore, the formulation of the problem in this recent research are: what factors financial ratios (NPF, FDR, CAR, and ROA) the effect on profitability as measured by ROA BPRS ?. The results of the study are: Simultaneously four variables (FDR, NPF, CAR, and ROA) ROA effect on rural banks Sharia. While partially shows that the Capital Adequacy Ratio (CAR), an effect on ROA.Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), and Operating Costs Operating Income (ROA) partially no effect on ROA of Islamic rural banks. Predictive ability of the four variables on ROA of Islamic rural banks by 55% while the remaining 45% is influenced by other factors not included in our model.
AKAD MURABAHAH DAN PERMASALAHANNYA DALAM PENERAPAN DI LKS Fasiha Kamal
MUAMALAH Vol 5, No 1 (2015): Muamalah
Publisher : MUAMALAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/m.v5i1.666

Abstract

Murabahah emphasis on margins that affect the formation of prices. If the margin is high, murabaha financing will not be attractive to customers, it should be a murabaha financing solutions for customers who have been doing a conventional bank loan. Murabaha financing has been the development of the concept of the classical fiqh. and Murabahah certainly not without the risks faced as a result of the business risk management procedures necessary to mitigate and minimize the risks arising
The Performance of Competitiveness of Sharia Banking (Indonesia-Pakistan) Using Porter's Diamond Theory Abdul Kadir Arno; Ishak Ishak; Fasiha Kamal
FITRAH: Jurnal Kajian Ilmu-ilmu Keislaman Vol 7, No 2 (2021): 11 Articles, Pages 181-378
Publisher : IAIN Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/fitrah.v7i2.4188

Abstract

This article provides an overview of the condition of  the  competitiveness of Islamic banking performance in Indonesia and Pakistan using the porter's diamond theory descriptive analysis method, namely (i) resource variables with indicators of Institutional Performance and Financial Performance, (ii) Demand Variables with Market share and financing indicators (iii) Industry variables related to indicators of the number of sharia business units, (iv) Strategy variables with the roadmap for the development of sharia banking. The conclusions in this study are: 1) The competitive advantages of Islamic banking in Indonesia in 2016-2020 namely Institutional Performance of Islamic commercial banks, average profit growth and average growth of third party funds, compared with the same indicators on Islamic banking  in  Pakistan.  2)  Competitiveness  of  Islamic banking in Pakistan in 2016-2020, namely the Financial Ratio of NPF, FDR and BOPO which ranked first in terms of bank health level, and the average market share growth andfinancing growth compared to the same indicators in Islamic banking in Indonesia.Keywords: Islamic Banking Performance, Competitiveness, Diamond Porter theory.