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Analisis Faktor-Faktor yang Mempengaruhi FDR Bank Umum Syariah (Studi Kasus PT Bank Muamalat Indonesia Tbk) Hanafi Nugraha; Destian Arshad
Journal of Applied Islamic Economics and Finance Vol 1 No 1 (2020): Journal of Applied Islamic Economics and Finance (October 2020)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (505.495 KB) | DOI: 10.35313/jaief.v1i1.2391

Abstract

The purpose of this study is to analyze factors that affect the liquidity capability of Islamic banks in Indonesia. One of the ratios which used to measure the ability of liquidity and to assess the financial performance of an Islamic bank is FDR. variables which used are ROA, CAR, NIM, and BI Rate. The data used in the study were secondary data on the quarterly financial statements of PT. Bank Muamalat Indonesia Tbk for the period 2012-2019. The research model or analysis tool used in this study is multiple linear regression analysis using statistical data processing applications. The results of this research are that the variables ROA, CAR, NIM, and BI Rate have a simultaneous effect on FDR and partially NIM and BI Rate have a significant effect on FDR, while ROA and CAR partially do not have a significant effect on FDR.
PELATIHAN APLIKASI BAGI HASIL TABUNGAN MUDHARABAH PADA KOPERASI MADRASAH ALIYAH AL-INAYAH BANDUNG Muhammad Muflih; Radia Purbayati; Hasbi Assidiki; Destian Arshad
Bahasa Indonesia Vol 19 (2022): Sarwahita : Jurnal Pengabdian Kepada Masyarakat Vol. 19 Edisi Khusus Tahun 2022
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/sarwahita.19k.9

Abstract

Currently, the Madrasah Aliyah Al-Inayah Bandung Cooperative requires the implementation of mudharabah profit-sharing savings based on electronic applications to improve the quality of savings services. The fundamental problem of this cooperative is the absence of knowledgeable human resources in the field of saving for the results of mudharabah and the low number of supporting facilities for these savings operations. These competencies and facilities can increase the absorption of funds from the community. In addition, the number of people in the cooperative environment is large and has the potential to grow these savings in the future. For this reason, the community service program (PkM) for mudharabah savings management training needs to be present to answer this issue. This program involved 15 participants who came from the management of the MA Al-Inayah Cooperative. The training materials consist of; (1) knowledge of mudharabah profit-sharing procedures, (2) digital mudharabah profit-sharing management applications, and (3) applications that support the operating system for sharia cooperative profit-sharing mudharabah savings results. This training program has succeeded in increasing the capability of the management of the MA Al-Inayah Cooperative in operating an electronic application for mudharabah profit-sharing savings so that it has an effect on the suitability of the cooperative with the latest technological developments and improving the quality of services that are fast, accurate, and productive. On that basis, PkM like this deserves to be developed in other sharia cooperatives so that they are adaptive to technology and competitive. Abstrak Pelaksanaan tabungan bagi hasil mudharabah berbasis aplikasi elektronik sangat dibutuhkan Koperasi Madrasah Aliyah Al-Inayah Bandung untuk meningkatkan kualitas layanan tabungan. Permasalahan mendasar koperasi ini adalah ketiadaan SDM yang berpengetahuan di bidang tabungan bagi hasil mudharabah dan rendahnya fasilitas penunjang operasional tabungan tersebut. Padahal, kompetensi dan fasilitas ini sangat penting untuk peningkatan penyerapan dana yang berasal dari masyarakat. Di samping itu, jumlah masyarakat di lingkungan koperasi tersebut banyak dan berpotensi menumbuhkembangkan tabungan ini di masa depan. Untuk itulah, pengabdian kepada masyarakat (PkM) yang menyelenggarakan pelatihan manajemen tabungan bagi hasil mudharabah sangat penting menjawab persoalan ini. Dengan melibatkan 15 pengurus Koperasi MA Al-Inayah sebagai peserta, PkM ini melatih tiga hal penting, yaitu; (1) pengetahuan prosedur bagi hasil mudharabah, (2) kemampuan mengaplikasikan manajemen tabungan bagi hasil mudharabah secara digital, dan (3) penyediaan aplikasi yang menunjang sistem operasional bagi hasil tabungan mudharabah level koperasi syariah. Program pelatihan ini berhasil meningkatkan kapabilitas pengurus Koperasi MA Al-Inayah dalam mengoperasikan aplikasi elektronik tabungan bagi hasil mudharabah sehingga berefek terhadap kesesuaian koperasi tersebut dengan perkembangan teknologi mutakhir dan peningkatan kualitas layanan yang cepat, akurat, dan produktif. Atas dasar itulah, PkM seperti ini layak dikembangkan di koperasi-koperasi syariah lainnya agar mereka adaptatif terhadap teknologi dan kompetitif.