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All Journal Journal Markcount Finance Pengabdian Jurnal Abdimas
Buschhaus Avinash
University of Florida Gainesville
Religion Humanities Economics, Econometrics & Finance Social Sciences Other

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Factors Influencing Non-Performing Financing (NPF) In Sharia Banking Ali Hardana; Aliman Syahuri Zein; Anne Johanna; Buschhaus Avinash
Journal Markcount Finance Vol. 1 No. 2 (2023)
Publisher : Yayasan Pedidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (310.387 KB) | DOI: 10.55849/jmf.v1i2.87

Abstract

The risk of financing is the risk caused by the failure of the custom[1]ers to fulfill their obligations. Non-performing financing (NPF) is a representation of financing risk that is channeled and has a direct impact on bank profitability. The value of NPF tends to increase annually with a value that is already close to the maximum limit set by Bank Indonesia of 5 percent. This condition is able to lead to the inefficiency of the banking system and in the long run, will have an impact on the sustainability of the bank. Therefore, the analysis of NPF factors should be conducted as a preventive mea[1]sure and a risks controller of business activities. This research an[1]alyzes the factors influencing NPF at sharia banking (BUS) using a quarterly datafrom first quarter of 2012 until third quarter 2016. Method used in this research is panel data analysis. The result of analysis shows that the factors influencing NPF negatively and sig[1]nificantly are ratio of revenue sharing financing (RR), Return on ssets (ROA), inflation, Capital Adequacy Ratio (CAR) and Bank[1]size while Gross Domestic Product (GDP) and Operating Cost to Operating Income (BOPO) have a significant positive effect.
Application of Appropriate Technology for Clean Water Restu Auliani; Riyanto Suprawihadi; Buschhaus Avinash
Pengabdian: Jurnal Abdimas Vol. 1 No. 1 (2023)
Publisher : Yayasan Pedidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (708.497 KB) | DOI: 10.55849/abdimas.v1i1.152

Abstract

Background. The thesis focuses on community service (PkM) conducted by the Ministry of Health Poltekkes institutionally, specifically in the village of Kota Lama II, Secanggang District, Langkat Regency. The study addresses the inadequate access to clean water and poor sanitation conditions in Mr. Mujadi's house, which is among the families included in the PKH (Program Keluarga Harapan) - a conditional cash transfer program in Indonesia. Purpose. The purpose of this community service project is to improve the living conditions of Mr. Mujadi's household by addressing their water and sanitation issues. The project aims to apply science, technology, and art (IPTEKS) through a direct scientific approach to provide sustainable access to clean water and improve sanitation facilities. Method. The objective of this qualitative research is to explore and understand the application of appropriate technology for clean water supply in Kota Lama II Village, Secanggang District, Langkat Regency. The study aims to gain in-depth insights into the experiences, perceptions, and challenges related to the use of appropriate technology for clean water. Results. The results obtained at the end of community service activities in Kota Lama Village II, Secanggang District, Langkat Regency, were built 1 unit of Infiltration galleries. The implementation stages include the initial survey, making Infiltration galleries, compiling filter media, and socializing about clean water and operations and maintenance of Infiltration galleries. Conclusion. Well, water filtered from wells using Infiltration galleries looks clearer and cleaner, odorless and tasteless. This has met the requirements for clean water physically and has met the sanitation aspect.
Co-Authors Aliman Syahuri Zein Anne Johanna Restu Auliani Riyanto Suprawihadi