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Journal : Balanca : Jurnal Ekonomi dan Bisnis Islam

Pengaruh Ekonomi Makro terhadap Perubahan Laba Operasional Bank Umum Syariah di Bursa Efek Indonesia Siti Nuraeni; Hj. St Nurhayati; Hamid, Abdul; Semaun, Syahriyah; Damirah
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 4 No 1 (2022): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v6i1.3646

Abstract

This study endeavors to achieve the following objectives: (1) assess the extent of fluctuation in the operational profit of Islamic commercial banks, (2) investigate the impact of inflation on operational profit changes in Islamic commercial banks, (3) analyze the correlation between changes in national income and operational profit in Islamic commercial banks, (4) establish a significant and positive macroeconomic relationship with operational profit variations in Islamic commercial banks, (5) quantify the magnitude of macroeconomic influences on operational profit changes in Islamic commercial banks, and (6) explore potential simultaneous effects of inflation and national income on operational profit changes in Islamic commercial banks. The research employs a descriptive quantitative approach. The findings indicate a substantial and sharp decline in the operational profit of Islamic commercial banks during the period 2019-2021. While the partial analysis reveals no significant impact of inflation on operational profit changes in Islamic commercial banks, a similar lack of influence is observed between national income changes and operational profit fluctuations in Sharia commercial banks. Conversely, the study establishes a positive and statistically significant correlation between macroeconomic variables and operational profit changes in Islamic commercial banks. The Adjusted R Square value stands at 10%. Notably, a simultaneous analysis of inflation and national income variables suggests no combined effect on operational profit changes in Islamic commercial banks.
Analisis Potensi Pasar Tradisional dalam Meningkatkan Perekonomian Daerah Sumiati; Sulkarnain; Sitti Jamilah Amin; Damirah
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2022): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v4i2.4823

Abstract

The potential of the market must be developed properly to improve the community's economy in accordance with Islamic law. The purpose of this study is to determine the potential of the market and the perspective of Islamic economic views on traditional markets in the Sidenreng Rappang area, especially in the Rappang area. By understanding the market's potential, it is hoped that the community can maximize management to have an impact on improving their economy. The research was conducted at the Rappang Central Market using a qualitative method with a sociological approach and data collection techniques through surveys, literature studies, observations, and interviews. The results showed that the Rappang Central Market has the potential to improve the economy of traders in the market by looking at the absorption of local commodities, as well as a short supply chain of basic needs from suppliers to consumers, having market segmentation in the area and increasing business opportunities for women. So, by maximizing the potential that exists in the Rappang Central Market is able to play a role in increasing the economic independence of the people around the Rappang Central Market. The results of research on the perspective of sharia economic views show that buying and selling transactions both in terms of merchandise sold, weighing tools, usury and Gharar, prices, and business ethics of traders at the Rappang Central Market do not violate Islamic law. The results of this study can be used as input for stakeholders to pay attention to the regional economy which is supported by traditional markets.