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All Journal Perisai : Islamic Banking and Finance Journal Owner : Riset dan Jurnal Akuntansi Syarikat : Jurnal Rumpun Ekonomi Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Yayuk Sri Rahayu
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Rasio Keuangan Terhadap Profitabilitas Pada Bank Umum Syariah di Indonesia Periode 2017-2021 M. Faza Ardichy; Yayuk Sri Rahayu
Owner : Riset dan Jurnal Akuntansi Vol. 6 No. 3 (2022): Artikel Volume 6 Issue 3 Periode Juli 2022
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v6i3.924

Abstract

The research was conducted with the aim of examining the effect of financial ratios on profitability in Islamic commercial banks registered with the financial services authority of the Republic of Indonesia. This study was tested with four independent variables, namely Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Operational Efficiency Ratio (OER), and Financing to Deposit Ratio (FDR). While the dependent variable is Return on Assets (ROA). This study uses research samples published in the financial services authority of the republic of Indonesia with quarterly data for the period 2017-2021. While the data technique in this study used panel data regression analysis. Based on the results of the partial analysis, first, the Capital Adequacy Ratio has a negative and significant effect on Return on Assets. Second, Non-Performing Financing has a negative and significant effect on Return on Assets. Third, the Operational Efficiency Ratio has a negative and significant effect on Return on Assets. Fourth, the Financing to Deposit Ratio has a negative and significant effect on Return on Assets. Meanwhile, simultaneously CAR, NPF, OER, and FDR have a significant effect on ROA. The coefficient of determination (R square value) is 0.9650, this means that 96.50% of the variation of the dependent variable ROA is explained by the variation of the independent variables, namely CAR, NPF, OER, and FDR. While the remaining 3.50% (100% - 96.50% = 3.50%) get the influence of variables that are not in the study.
The Influence of Islamic Marketing Ethics on Customer Interest in Using Mudharabah Savings Products at BMT Ar-Rahmah Arta Syariah Mojokerto Novarina Amalia Anggraini; Yayuk Sri Rahayu
Perisai : Islamic Banking and Finance Journal Vol 6 No 2 (2022): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i2.1599

Abstract

It intends to examine the effect of shiddiq, al-adl, al-Amanah, service, and piety on consumer interest in utilizing mudharabah savings products both partially and concurrently in scientific writing. BMT Ar-Rahmah Arta Syariah Mojokerto is the subject of this study, which will take place between 2021 and 2022. The method employed is multiple linear regression analysis, and the type of research used is a quantitative research using more than one variable. Classic assumption tests, multiple linear regression equation tests, and hypothesis testing are examples of multiple linear regression analysis methods. Siddiq (X1), Al-Adl (X2), Al-Amanah (X3), Service (X4), and Takwa (X5) were the five independent variables in this study (X5). The interest of customers in adopting the mudharabah deposit product is the dependent variable (Y). Siddiq, al-adl, al-Amanah, service, and take all had partial and simultaneous effects on customer interest in adopting mudharabah savings products, according to the findings
The Effect Word of Mouth on Saving Intention Through Brand Image as an Intervening Variable Kharisma Yussitha; Irmayanti Hasan; Yayuk Sri Rahayu
Syarikat: Jurnal Rumpun Ekonomi Syariah Vol. 6 No. 1 (2023): Syarikat : Jurnal Rumpun Ekonomi Syariah
Publisher : UIR Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/syarikat.2023.vol6(1).11208

Abstract

Word of mouth and brand image are factors in forming someone's intention to use a product. This condition requires the company to continue to provide comfort for every use of its products. The purpose of this study was to examine the direct effect of word of mouth on the intention to save through the BMT Alhikmah brand image. This study uses a quantitative method with the help of SmartPLS software to assist data analysis. The sample approach used was simple random side by way of distributing questionnaires and collecting 95 respondents. The results of this study indicate that word of mouth has a direct effect on saving intention. The involvement of word of mouth also has a direct effect on brand image, whereas brand image has no direct influence on the intention to save at BMT Alhikmah. In addition, the results of this study indicate that word of mouth does not have a direct effect on saving intention through brand image as an intervening variable. The research weakness lies in the brand image variable which does not have a direct effect on the intention to save BMT Alhikmah.
Pengaruh Inflasi dan Angka Pengangguran terhadap Pertumbuhan Ekonomi Melalui Tingkat Kemiskinan 7 Kota/Kabupaten di Jawa Timur Hayyu Farah Salsabila Firda; Muhammad Fakhril Ma’ruf; Indah Yuliana; Yayuk Sri Rahayu
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.1191

Abstract

The purpose of this study is to analyze the relationship between inflation, unemployment rate, poverty rate and economic growth in East Java province. The introductory chapter focuses on the economic challenges of developing countries, particularly those related to poverty, inflation, and economic growth. The research method uses a descriptive quantitative approach with hypothesis testing using t-values. Data for his seven cities/districts in East Java province were collected by the Central Bureau of Statistics from 2012 to 2022. The results of classical assumption testing indicate that the data are normally distributed, with no multicollinearity, autocorrelation, or heteroscedasticity. The results of the hypothetical analysis show that inflation has no significant impact on poverty, but unemployment has a significant negative impact. Inflation does not have a direct impact on economic growth, but unemployment rate has a negative impact on economic growth. Poverty level does not have a significant impact on economic growth. The conclusion emphasizes the importance of controlling the unemployment rate to reduce poverty and improve economic growth in East Java. Although inflation does not have a direct impact on economic growth, its stability is still important. Suggestions for further research include considering additional variables and gaining a deeper understanding of regional economic dynamics.
Co-Authors Hayyu Farah Salsabila Firda Indah Yuliana Irmayanti Hasan Kharisma Yussitha M. Faza Ardichy Muhammad Fakhril Ma’ruf Novarina Amalia Anggraini