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All Journal Al Mashaadir : Jurnal Ilmu Syariah Share: Jurnal Ekonomi dan Keuangan Islam
Arinal Rahmati
STIS Ummul Ayman, Pidie Jaya
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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DO LIQUIDITY AND CAPITAL ADEQUACY RATIO MATTER FOR ISLAMIC BANKS PERFORMANCE IN INDONESIA? AN ANALYSIS USING FINANCING RISK AS MEDIATOR Julia Safitri; Arinal Rahmati; Jayadi Jayadi; Muhamad Arief Affandi
Share: Jurnal Ekonomi dan Keuangan Islam Vol 10, No 1 (2021)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (91.554 KB) | DOI: 10.22373/share.v10i1.8104

Abstract

This study is driven by the inconsistent findings of previous research on assessing the determinants of banks' performance. In addition, financing risk has been indicated as a significant variable in mediating the related research but failed to incorporate in previous research. Therefore, this study aims to assess the role of liquidity and Capital Adequacy Ratio (CAR) on Islamic bank's performance in Indonesia using financing risk as a mediator. Data were collected from 14 samples operating in Indonesia in the period 2013-2019. They were then analyzed using Partial Least Squares – Structural Equation Modelling (PLS-SEM) with Warp PLS 7.0 as a tool of analysis. The results show that variable liquidity (FDR) significantly influences Bank Performance mediated by Financing Risk (NPF). Meanwhile, variable CAR shows no significant influence on Bank Performance even when it was mediated by the Financing Risk variable (NPF). This finding implies that providing short-term financing is more profitable for an Islamic bank than a longer one. This finding is in line with the Commercial Loan Theory, which states that it is better to provide loans in the short term to minimize the possibility of defaults that will impact the bank's performance.==================================================================================================ABSTRAK – Apakah Likuiditas dan Rasio Kecukupan Modal mempengaruhi Kinerja Bank Syariah di Indonesia? Suatu Analisis menggunakan Risiko Pembiayaan sebagai Mediator. Penelitian ini didorong oleh tidak konsistennya temuan penelitian sebelumnya dalam menilai determinan kinerja bank. Selain itu, risiko pembiayaan telah terindikasi sebagai variabel yang signifikan dalam memediasi pengaruh beberapa variabel penilaian kinerja bank syariah, tetapi tidak diakomodir dalam penelitian-penelitian sebelumnya. Oleh karena itu, penelitian ini bertujuan untuk menilai peran variabel likuiditas dan CAR terhadap kinerja bank syariah di Indonesia dengan menggunakan risiko pembiayaan sebagai mediator. Data penelitian dikumpulkan dari 14 bank syariah yang beroperasi di Indonesia. Analisis data dilakukan dengan menggunakan PLS-SEM dengan WarpPLS 7.0. Hasil penelitian menunjukkan bahwa likuiditas berpengaruh terhadap kinerja bank bank syariah dengan dimediasi oleh risiko pembiayaan (NPF). Sedangkan variabel CAR tidak menunjukkan pengaruh yang signifikan terhadap kinerja bank syariah walaupun dimediasi oleh NPF. Penelitian mempunyai implikasi bahwa memberikan pembiayaan jangka pendek lebih menguntung bagi bank syariah dari pada pembiayaan jangka panjang. Hal ini sejalan dengan Commercial Loan Theory yang menyebutkan bahwa memberikan pinjaman dalam jangka pendek lebih menguntungkan karena dapat meminimalisir terjadinya wanprestasi yang berdampak pada peningkatan kinerja bank.
Entrepreneurship: Problems and Opportunities for Satoimo Taro Cultivation at Ummul Ayman Islamic Boarding School, Pidie Jaya Arinal Rahmati; Indrayani Indrayani; Razif Razif
Al Mashaadir : Jurnal Ilmu Syariah Vol 4, No 1 (2023)
Publisher : STIS Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/jis.v4i1.132

Abstract

This study aims to examine the problems and opportunities of satoimo taro cultivation at the Ummul Ayman Islamic boarding school, Pidie Jaya. This research is a qualitative descriptive study with primary data. The informants in this study were the leaders of the Ummul Ayman Islamic boarding school and students who were engaged in satoimo taro cultivation. The results showed that the problems in satoimo taro cultivation were caused by the inability of good management by the students, narrow product marketing space, lack of product reliability, lack of innovation and creativity, lack of cooperation, lack of government assistance. Meanwhile, in terms of opportunities, this plant has the potential to become an export commodity in China, the vast amount of vacant land within the Ummul Ayman Islamic Boarding School that is provided, as well as the specific time allocation for Islamic boarding school students to grow crops and do entrepreneurship.
Co-Authors Indrayani Indrayani Jayadi Jayadi Julia Safitri Muhamad Arief Affandi Razif Razif