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Pengaruh FDR, NPF dan BOPO Terhadap ROA Pada PT BNI Syariah Periode 2010-2019 Asyiqah Nur Akmaliyah; Mulia Amirullah
Jurnal Ekonomi Rabbani Vol 1 No 1 (2021): Mei 2021
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) Ar-Risalah Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (646.203 KB) | DOI: 10.53566/jer.v1i1.5

Abstract

Penelitian ini memiliki tujuan untuk mengetahui dan menganalisa tingkat pengaruh yang diberikan rasio pembiayaan terhadap dana pihak ketiga (FDR), pembiayaan macet (NPF) dan beban operasional per pendapatan operasional (BOPO) terhadap Return On Asset PT BNI Syariah pada periode 2010-2019. Sumber data yang digunakan dalam penelitian adalah data sekunder yang merupakan data time series, data tersebut didapatkan dari web resmi PT BNI Syariah (www.bnisyariah.co.id), dengan sampel yang terdiri dari 39 sampel, diambil dari data triwulan ke-2 tahun 2010 hingga data triwulan ke-4 tahun 2019. Peneliti menganalisa data menggunakan metode analisis regresi linier berganda menggunakan aplikasi Eviews 11, dengan hasil yang diperoleh adalah rasio FDR secara parsial tidak berpengaruh terhadap Return On Asset, begitupun dengan rasio NPF yang tidak berpengaruh terhadap Return On Asset, namun rasio BOPO secara parsial memiliki pengaruh negatif signifikan terhadap Return On Asset. Secara bersama-sama atau simultan ketiga variabel independen Financing to Deposit Ratio (FDR), Non Performing Finance (NPF) dan Beban Operasional per Pendapatan Operasional (BOPO) memiliki pengaruh signifikan terhadap Return On Asset. Penelitian ini ikut serta berkontribusi untuk khazanah keilmuan dan terapan ilmu, dimana bermanfaat untuk pihak yang bersangkutan, baik pihak Bank BNI Syariah, masyarakat sebagai nasabah, investor, pemerintah ataupun pihak akademis.
PENGARUH CAPITAL ADEQUACY RATIO (CAR) DAN NET PROFIT MARGIN (NPM) TERHADAP RETURN ON ASSETS PT. BANK BRI SYARIAH TBK PERIODE 2015 – 2019 Wida Lisnawati; Mulia Amirullah
Jurnal Ekonomi Rabbani Vol 2 No 1 (2022): Mei 2022
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) Ar-Risalah Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53566/jer.v2i1.9

Abstract

The purpose of this research to knowing and analyze the influence of Capital Adequacy Ratio (CAR) and Net Profit Margin (NPM) to Return on Assets (ROA) of PT. Bank BRI Syariah Tbk for the period 2015 -2019. The method of this research used descriptive method and quantitative method. The data used is secondary data. To analyze data in this research used Multiple Linier Regresion and Determination Coefficients. Partially based on the result of this research Capital Adequacy Ratio (CAR) and Net Profit Margin (NPM) are significant effect to Return on Assets of PT. Bank BRI Syariah Tbk for the periode 2015 -2019 and simultaneously Capital Adequacy Ratio (CAR) and Net Profit Margin (NPM) are significant effect to Return on Assets of PT. Bank BRI Syariah Tbk for the periode 2015 -2019. PT. Bank BRI Syariah Tbk it is expected to further improve its performance in accelerating the growth rate of its profitability by means of absorption and optimaizing of funds, efficiency of capital and efficiency of costs.
Analysis of the Quality of Education Services on the Satisfaction of Parents of Students of the Aulady Model Elementary School Nurul Hidayah; Nila Nurochani; Mulia Amirullah
AURELIA: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia Vol 2, No 1 (2023): January 2023
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/aurelia.v2i1.265

Abstract

This study aims to determine the level of interest of students' parents and the level of company performance as well as the satisfaction of parents of students with educational services at SD Model Aulady Ciamis. Importance Performance Analysis (IPA) is used to determine the level of importance and performance given by SD Model Aulady. While calculating the satisfaction of parents of students using the customer satisfaction index (CSI). At the level of interest of students' parents, it was found that the teacher's attribute of teaching with discipline and on time was considered the most important with an average value of 4.96. As for the company's performance level, the attribute of teachers mastering learning materials is considered to have the highest performance with an average value of 3.83. Attributes when there is a problem, the teacher always solves it quickly and accurately, students are able to read the Koran using the tamyiz method according to their class level, students are able to carry out obligatory and circumcision prayers along with their readings, and the school has complete facilities to support learning and education, this is indicated by its position in quadrant A (top priority for improvement). The calculation results show that the parents of students/respondents are satisfied with the company's performance with a CSI value of 86.15%.
Analisis Pengaruh Faktor Internal Perbankan Syariah Dan makro Ekonomi Terhadap Pembiayaan Berbasis Bagi Hasil Muti Atul Hasanah; Mulia Amirullah; Eris Munandar
Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) Vol 6, No 1 (2023): Oktober 2022-Mei 2023
Publisher : Jurnal Akuntansi dan Keuangan Kontemporer (JAKK)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/jakk.v6i1.14857

Abstract

This study aims to analyze in depth the influence of Third Party Funds (DPK), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Financing Deposit Ratio (FDR), and Inflation Rate on Profit Sharing Financing at Islamic Commercial Banks in Indonesia . This study uses secondary data. This study uses a quantitative descriptive approach using the Vector Error Correction Model (VECM). The results of this research data processing indicate that the results of the Granger Causality Test, there is a causality relationship to the DPK, NPF, and CAR variables on Profit Sharing Financing, but in the FDR and Inflation variables there is no causality relationship to Profit Sharing Financing. The CAR variable instrument based on the analysis of the results of the Vector Error Correction Model (VECM) Estimation Test has a significant positive impact with a high coefficient on Profit Sharing Financing. The CAR variable instrument based on the analysis of the results of the Impulse Response Function Test (IRF) is the variable that has the most and the highest shocks are responded to by the research variables. The CAR variable instrument based on the analysis of the Variance Decomposition (VD) test results is a variable that has a composition and a large role of shocks responded to by the research variables. The variable inflation instrument based on the analysis of the results of the Impulse Response Function (IRF) Test and the analysis of the Variance Decomposition (VD) Test has not occupied the largest response and the largest composition for other variables
THE STRATEGY FOR OPTIMIZING THE COLLECTION OF TRADE ZAKAT IN BANJAR CITY Eris Munandar; Nila Nopianti; Mulia Amirullah; Muhammad Farhan Ubaydillah
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq: Jurnal Ekonomi Islam, Vol. 15, No. 1 (2024)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v1i1.2724

Abstract

This research highlights the constraints, solutions, and strategies for optimizing the collection of trade-based zakat in Kota Banjar through the Analytic Network Process (ANP) approach. The research methodology employs ANP as the primary method, which involves identifying criteria and alternatives, constructing a hierarchy through pairwise assessments, calculating global priorities, sensitivity analysis, and interpreting results. Seven contributors participated in the study, consisting of three trade practitioners (Baznas Kota Banjar, Lazismu Kota Banjar, and LAZ Persis Kota Banjar), two experts from zakat observers (MES Kota Banjar, and an academic from STEI Ar-Risalah Ciamis), and two entrepreneurs in Kota Banjar. The study's findings identify priority issues such as trader attitudes, the governance of Zakat Management Organizations (OPZ), and the awareness level of muzak. Crucial steps include improving trader attitudes, OPZ governance, and muzakki awareness. The use of ANP as an analytical approach clarifies the hierarchy of issues and facilitates more targeted decision-making for OPZ in Kota Banjar. The research elaborates on the findings related to eight priority strategies: socialization and education, evaluation and monitoring, ease of paying zakat, involvement of influential figures, regulations, transparency and accountability, program benefits, and recognition or rewards. The implications of this study encourage OPZ in Kota Banjar to enhance socialization through social media and collaboration with community figures, improve governance through regular audits, develop digital zakat payment options, and maintain conventional payment methods.