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All Journal Al-bank: Journal of Islamic Banking and Finance JYRS: Journal of Youth Research and Studies
Ahmad Irvani
IAIN Syaikh Abdurrahman Siddik Bangka Belitung
Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Determinant Factors Of Profitability Of Islamic Banks In 2017-2021 With Capital Adequacy Ratio As a Variable Intervening Eka Wita Sari; Ahmad Irvani; Reka Meilani; Hendra Cipta
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 2 (2023): July - Desember 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i2.9088

Abstract

This study aims to analyze the effect of Non Performing Financing (NPF) and Finance to Deposit Ratio (FDR) on Islamic bank profitability mediated by Capital Adequacy Ratio (CAR). This study uses secondary data in the form of panel data (pooled data), which is a combination of cross section data and time series data. The analysis technique uses path analysis. The results showed that FDR has no influence on CAR while NPF affects the CAR of Islamic banks. FDR and NPF directly have no influence on the ROA of Islamic banks. CAR variable is only able to be intervening between NPF and ROA while FDR variable indirectly through CAR variable has no significant effect on ROA of Islamic banks.
Pengaruh Literasi, Promosi dan Religiusitas terhadap Keputusan Masyarakat Menggunakan Produk Bank Syariah di Desa Petaling Banjar Kecamatan Mendo Barat Kabupaten Bangka Gita Safitri Rahmadani; Ahmad Irvani; Feby Ayu Amalia
JYRS: Journal of Youth Research and Studies Vol 4 No 1 (2023): Jurnal JYRS Juni 2023
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/jyrs.v4i1.3771

Abstract

Until now, in Indonesia itself it is still dominated by conventional banks, this indicates that people prefer to use conventional bank products. Literacy, promotion and religiosity are factors that can influence people's decision-making behavior. Among all the factors mentioned, each has quite diverse views and assessments. This research aims to analyze the influence of literacy, promotion and religiosity on people's decisions to use sharia banking products. This type of research is field research with a quantitative approach. The data used are primary and secondary data. The population in this study was 3,489 people with a sampling technique, namely random sampling technique and sample determination using the Taro Yamane formula for 100 respondents. With data analysis techniques using validity tests, reliability tests, classical assumption tests, multiple regression tests and hypothesis tests. Data processed using the SPSS version 25.0 application. The results of this research show that literacy has a positive and significant effect on customer decisions in West Mendo District, Bangka Regency with tcount (3.775) > t- table (1.66055), so that H0 is rejected and H1 is accepted with a significance value of (0.000). Promotion also has a positive and significant effect on customer decisions in West Mendo District, Bangka Regency with tcount (2.718) > t-table (1.66055), so that H0 is rejected and H1 is accepted with a significance value of (0.008). Religiosity also has a positive and significant effect on customer decisions in West Mendo District, Bangka Regency with a t-count of 2.406 > t-table (1.66055), so that H0 is rejected and H1 is accepted with a significance value of (0.018). Simultaneously Literacy and Promotion have a significant effect on customer decisions with the Fcount value (67.334) > F-table value (2.70), so that H0 is rejected and H1 is accepted or if you see a significant value of 0.00 < 0.05.
Co-Authors Eka Wita Sari Feby Ayu Amalia Gita Safitri Rahmadani Hendra Cipta Reka Meilani