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PENGARUH FAKTOR PERMODALAN, KUALITAS ASET DAN LIKUIDITAS TERHADAP PROFITABILITAS BANK UMUM SYARIAH Feri Irawan
Yurisprudentia: Jurnal Hukum Ekonomi Vol 8, No 2 (2022)
Publisher : Institut agama islam negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (71.144 KB) | DOI: 10.24952/yurisprudentia.v8i2.6101

Abstract

Apabila bank mampu menghasilkan keuntungan yang semakin meningkat dan berkesinambungan, maka kepercayaan masyarakat untuk menggunakan jasa perbankan akan meningkat serta modal akan mudah didapat dari para investor karena deviden yang akan diterima investor meningkat, seiring meningkatnya keuntungan bank. Adapun tujuan penelitian adalah menganalisa pengaruh faktor permodalan, kualitas aset, likiuiditas terhadap profitabilitas. Metode pengambilan sampel dalam penelitian ini yaitu dengan purposive sampling. purposive sampling merupakan metode pengambilan sampel yang didasarkan pada kriteria tertentu. Analisis data menggunakan analisis regresi linear berganda menggunakan SPSS 14. Penelitian ini merupakan penelitian Deskriptif Kuantitatif. Data yang digunakan adalah data sekunder berupa laporan keuangan dari perusahaan yang diperoleh dari Direktori Perbankan Indonesia di Bank Indonesia. Analisis data dilakukan dengan menggunakan analisis rasio keuangan (financial Ratio Analysis), yaitu rasio permodalan, kualitas aset, likuiditas dan profitabilitas. Kemudian alat analisis yang digunakan untuk membuktikan hipotesis dalam penelitian ini adalah uji signifikansi simultan (uji statistik f) dan uji signifikansi parameter individual (uji statistik t). Hasil penelitian menemukan bahwa, permodalan (KPMM), diketahui mempunyai nilai Unstandardized Coefficient B sebesar -0.05 yang menunjukkan bahwa KPMM berpengaruh negatif terhadap profitabilitas (NOM). Kualitas aset mempunyai nilai Unstandardized Coefficient B sebesar 37,003 hal ini menunjukkan bahwa kualitas aset yang diproyeksikan dengan Kualitas Aktiva Produktif (KAP) berpengaruh positif terhadap NOM. Dari kondisi likuiditas (STM), diketahui bahwa nilai Unstandardized Coefficient B sebesar 0,007 menunjukkan bahwa likuiditas berpengaruh postif terhadap NOM. Hal ini menunjukkan bahwa peningkatan likuiditas dapat meningkatkan profitabilitas perbankan syariah yang diproyeksikan dengan NOM.
Peran E-Commerce Pada Ekonomi Syariah Di Era 5.0 Raudhatul Ilmi; Iga Mawarni; Feri Irawan
AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM Vol. 3 No. 2 (2023): Desember 2023
Publisher : Jurnal ini dipublikasikan oleh Pusat Penelitian dan Pengabdian Publikasi (P3M) STAI Nahdlatul Watan Samawa-licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The role of e-commerce in a rapidly developing economy touches on various aspects from the definition of e-commerce to its impact in the context of the sharia economy in the Society 5.0 era. E-commerce, as electronic commerce, influences the way we conduct transactions and its relationship to Islamic sharia principles such as bai' as-salam. The definition of e-commerce is detailed from various points of view, discussing types of transactions, advantages, disadvantages, and transaction mechanisms. The concept of e-commerce is also compared with principles in Islamic law, such as conformity with sharia and the principles of trade that are permitted in Islam. Apart from that, the role of e-commerce in Society 5.0 is also explained, highlighting how technology affects human life as a whole, including the economic aspect. Society 5.0 is described as a vision that includes the use of technology to maintain a balance between economic progress and solving social problems. This research uses a literature study method to present a variety of information about e-commerce, online transactions, sharia aspects, and their relationship with the Society 5.0 era.
Peningkatan Literasi Keuangan Syariah di Kalangan Mahasiswa untuk Mewujudkan Generasi Ekonomi Muslim Mandiri Feri Irawan
Jurnal Aksi Afirmasi Vol. 5 No. 2 (2024): Edisi 8
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/jurnalaksiafirmasi.v5i2.1407

Abstract

This study aims to improve Islamic financial literacy among university students as a strategic step in realizing a generation of independent Muslim economies. Islamic financial literacy, which includes an understanding of the basic principles of Islamic economics, Islamic financial products, as well as personal financial management in accordance with sharia, is considered important in facing modern economic challenges. This study used a qualitative method with a survey approach to students from various universities in Sumbawa. Data was collected through a questionnaire designed to measure the level of understanding and application of Islamic finance among respondents. The results showed that there was a significant increase in Islamic financial literacy after intensive education through seminars, workshops, and learning modules. The findings indicate that improving Islamic financial literacy among university students can contribute to the formation of a generation of Muslim economists who are more independent, intelligent, and ready to face the dynamics of the global economy. The implication of this study is the need for integration of Islamic financial education in the university curriculum as well as increased cooperation between educational institutions and Islamic financial institutions in order to support the development of qualified human resources in the field of Islamic economics.