Elex Sarmigi, Edia Satria, Syukrawati Syukrawati, D. Desiana
This study aims to determine the effect of facilities and intellectuality on employee performance at PT. Bank Perkreditan Rakyat Pembangunan Kerinci. The population in this study amounted to 40 people, namely all employees of PT. People's Credit Bank for Kerinci Development. While the sample size of 35 respondents with the sampling technique Probability Sampling is a sampling method in which every member of the population has the same opportunity to be selected as a sample. The data analysis technique used in this research is Multiple Linear Regression Analysis. The study results stated a significant influence between facilities and intellect on the performance of employees of PT. BPR Pembangunan Kerinci partially or simultaneously has a significant influence.
本研究旨在确定PT. Bank Perkreditan Rakyat Pembangunan Kerinci的设施和智力对员工绩效的影响。本研究的人口为40人，即PT. people 's Credit Bank for Kerinci Development的所有员工。而采用抽样技术的35名受访者的样本量，概率抽样是一种抽样方法，其中每个人口成员都有相同的机会被选为样本。本研究使用的数据分析技术是多元线性回归分析。研究结果表明，设施和智力对PT员工的绩效有显著的影响，BPR对Pembangunan Kerinci员工的绩效有部分或同时的显著影响。
{"title":"PENGARUH FASILITAS DAN INTELEKTUALITAS TERHADAP KINERJA KARYAWAN PT. BANK PERKREDITAN RAKYAT PEMBANGUNAN KERINCI","authors":"Elex Sarmigi, Edia Satria, Syukrawati Syukrawati, D. Desiana","doi":"10.32939/fdh.v4i1.1133","DOIUrl":"https://doi.org/10.32939/fdh.v4i1.1133","url":null,"abstract":"This study aims to determine the effect of facilities and intellectuality on employee performance at PT. Bank Perkreditan Rakyat Pembangunan Kerinci. The population in this study amounted to 40 people, namely all employees of PT. People's Credit Bank for Kerinci Development. While the sample size of 35 respondents with the sampling technique Probability Sampling is a sampling method in which every member of the population has the same opportunity to be selected as a sample. The data analysis technique used in this research is Multiple Linear Regression Analysis. The study results stated a significant influence between facilities and intellect on the performance of employees of PT. BPR Pembangunan Kerinci partially or simultaneously has a significant influence.","PeriodicalId":243045,"journal":{"name":"Al Fiddhoh: Journal of Banking, Insurance, and Finance","volume":"75 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132616201","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to determine the method used by the Baitul Mal Nurul Huda Mosque in Kelumpang Jaya Village North Musi Rawas Regency in determining the criteria for poor mustahik and the inhibiting factors in determining the criteria for poor mustahik. This research is of a qualitative type. The object of this research is all the administrators of the Baitul Mal Masjid Nurul Huda, Kelumpang Jaya Village North Musi Rawas Regency. The data sources used are primary data and secondary data. Data were obtained directly from 11 respondents using data analysis methods, namely observation, interviews, and personal documentation, then the data was processed using data processing techniques. The results showed that: In determining mustahik zakat, the Baitul Mal Masjid Nurul Huda Kelumpang Jaya Village North Musi Rawas Regency carried out a very selective process. The Baitul Mal Masjid Nurul Huda in determining mustahik candidates by collecting data obtained from the village head, then continuing with a direct survey of the field and making final recommendations, then holding deliberations with community representatives.
本研究旨在确定mui Rawas县北部Kelumpang Jaya村Baitul Mal Nurul Huda清真寺在确定贫困mustahik标准时使用的方法以及确定贫困mustahik标准的抑制因素。这项研究属于定性研究。本研究的对象是北木西拉瓦摄政Kelumpang Jaya村Baitul Mal Masjid Nurul Huda的所有管理人员。使用的数据源是主要数据和次要数据。采用观察法、访谈法、个人文献法等数据分析方法，直接从11名受访者中获取数据，然后采用数据处理技术对数据进行处理。结果表明:在确定天课时，Baitul Mal Masjid Nurul Huda Kelumpang Jaya Village North Musi Rawas reggency进行了非常有选择性的过程。Baitul Mal Masjid Nurul Huda通过收集从村长那里获得的数据来确定mustahik候选人，然后继续对现场进行直接调查并提出最终建议，然后与社区代表进行讨论。
{"title":"ANALISIS PENENTUAN KRITERIA MISKIN SEBAGAI MUSTAHIK ZAKAT PADA BAITUL MAL MASJID NURUL HUDA DESA KELUMPANG JAYA KABUPATEN MUSI RAWAS UTARA","authors":"Behy Rosalia, Usdeldi Usdeldi, Sri Rahma","doi":"10.32939/fdh.v4i1.2304","DOIUrl":"https://doi.org/10.32939/fdh.v4i1.2304","url":null,"abstract":"This study aims to determine the method used by the Baitul Mal Nurul Huda Mosque in Kelumpang Jaya Village North Musi Rawas Regency in determining the criteria for poor mustahik and the inhibiting factors in determining the criteria for poor mustahik. This research is of a qualitative type. The object of this research is all the administrators of the Baitul Mal Masjid Nurul Huda, Kelumpang Jaya Village North Musi Rawas Regency. The data sources used are primary data and secondary data. Data were obtained directly from 11 respondents using data analysis methods, namely observation, interviews, and personal documentation, then the data was processed using data processing techniques. The results showed that: In determining mustahik zakat, the Baitul Mal Masjid Nurul Huda Kelumpang Jaya Village North Musi Rawas Regency carried out a very selective process. The Baitul Mal Masjid Nurul Huda in determining mustahik candidates by collecting data obtained from the village head, then continuing with a direct survey of the field and making final recommendations, then holding deliberations with community representatives.","PeriodicalId":243045,"journal":{"name":"Al Fiddhoh: Journal of Banking, Insurance, and Finance","volume":"61 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133272238","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to determine the services during the pandemic, and the Financing Strategy carried out at PT. Jambi Branch of the Sharia Pawnshop. The objectives include the state of Service Services during the pandemic and the Financing Strategy at PT. Jambi Branch of the Sharia Pawnshop. This study uses a qualitative approach with data collection methods by conducting observations, interviews, documentation, and concluding: 1) In the services carried out during the Covid period at PT. Pegadaian Syariah Jambi Branch, namely: a) The service has slightly changed both inside and outside the outlet to prevent the transmission of covid-19. b) Those who can usually meet face-to-face with customers during the covid period must be isolated or online. c) Service PT. Sharia pawnshops can also be seen from the changes in employees who usually work directly in the office, and some work WFH (Work From Home. 2) In the financing strategy carried out by PT. Pegadaian Syariah Jambi Branch during the pandemic is as follows: a) Updating the way the sales business used to be less, now more on social media and digital applications. b) discounts for customers who purchase gold or use specific products at sharia pawnshops. c) For the micro during the pandemic, there is an easing for the businesses of affected customers by providing subsidies for MSMEs from the government. d) PT. Pegadaian Syariah Jambi branch conducted socialization to encourage customers to use digital pawnshops for house transactions.
本研究的目的是确定大流行期间在伊斯兰教法典当行占比分行提供的服务和融资战略。目标包括大流行期间的服务状况和伊斯兰教法典当行Jambi分行的融资战略。本研究采用定性方法和数据收集方法，通过观察、访谈、文献记录得出结论:1)在PT. Pegadaian Syariah Jambi分行在Covid期间开展的服务，即:a)在出口内外的服务略有变化，以防止Covid -19的传播。b)在新冠期间，通常可以与客户面对面接触的人员必须隔离或在线。c)服务PT. Sharia当铺也可以从通常直接在办公室工作的员工的变化，以及一些工作WFH (work from Home)中看到。2)在PT. Pegadaian Syariah Jambi Branch在疫情期间实施的融资策略如下:a)更新销售业务的方式以前较少，现在更多的是在社交媒体和数字应用上。B)为在伊斯兰典当行购买黄金或使用特定产品的顾客提供折扣。c)对于大流行期间的微型企业，政府通过向中小微企业提供补贴，为受影响客户的业务提供了缓解。d) PT. Pegadaian Syariah Jambi分行进行社会化，鼓励客户使用数字典当行进行房屋交易。
{"title":"LAYANAN JASA DAN STRATEGI PEMBIAYAAN PADA MASA PANDEMI COVID DI PT. PEGADAIAN SYARIAH CABANG JAMBI","authors":"Muhammad Subhan, A. Agustina","doi":"10.32939/fdh.v4i1.1550","DOIUrl":"https://doi.org/10.32939/fdh.v4i1.1550","url":null,"abstract":"This study aims to determine the services during the pandemic, and the Financing Strategy carried out at PT. Jambi Branch of the Sharia Pawnshop. The objectives include the state of Service Services during the pandemic and the Financing Strategy at PT. Jambi Branch of the Sharia Pawnshop. This study uses a qualitative approach with data collection methods by conducting observations, interviews, documentation, and concluding: 1) In the services carried out during the Covid period at PT. Pegadaian Syariah Jambi Branch, namely: a) The service has slightly changed both inside and outside the outlet to prevent the transmission of covid-19. b) Those who can usually meet face-to-face with customers during the covid period must be isolated or online. c) Service PT. Sharia pawnshops can also be seen from the changes in employees who usually work directly in the office, and some work WFH (Work From Home. 2) In the financing strategy carried out by PT. Pegadaian Syariah Jambi Branch during the pandemic is as follows: a) Updating the way the sales business used to be less, now more on social media and digital applications. b) discounts for customers who purchase gold or use specific products at sharia pawnshops. c) For the micro during the pandemic, there is an easing for the businesses of affected customers by providing subsidies for MSMEs from the government. d) PT. Pegadaian Syariah Jambi branch conducted socialization to encourage customers to use digital pawnshops for house transactions.","PeriodicalId":243045,"journal":{"name":"Al Fiddhoh: Journal of Banking, Insurance, and Finance","volume":"1406 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133587285","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Habriyanto Habriyanto, Khairiyani Khairiyani, Muhammad Amir Alfaruq
This study aims to examine the effect of financing risk and liquidity risk on the profitability of Islamic commercial banks for the 2018-2020 period. The sampling technique used is purposive sampling. The sample used is a Sharia Commercial Bank registered with the Financial Services Authority (OJK). Based on the purposive sampling method, 11 Islamic Commercial Banks meet the criteria. The results of this study indicate that partial liquidity risk does not affect the profitability of Islamic commercial banks. In contrast, financing risk influences the profitability of Islamic commercial banks. This study also shows that financing and liquidity risks simultaneously affect Islamic commercial banks' profitability. Based on the calculations carried out in this study, the results showed that the financing risk level could affect Islamic commercial banks' profitability.
{"title":"PENGARUH RISIKO PEMBIAYAAN DAN RISIKO LIKUIDITAS TERHADAP PROFITABILITAS BANK UMUM SYARIAH PERIODE 2018-2020","authors":"Habriyanto Habriyanto, Khairiyani Khairiyani, Muhammad Amir Alfaruq","doi":"10.32939/fdh.v4i1.2418","DOIUrl":"https://doi.org/10.32939/fdh.v4i1.2418","url":null,"abstract":"This study aims to examine the effect of financing risk and liquidity risk on the profitability of Islamic commercial banks for the 2018-2020 period. The sampling technique used is purposive sampling. The sample used is a Sharia Commercial Bank registered with the Financial Services Authority (OJK). Based on the purposive sampling method, 11 Islamic Commercial Banks meet the criteria. The results of this study indicate that partial liquidity risk does not affect the profitability of Islamic commercial banks. In contrast, financing risk influences the profitability of Islamic commercial banks. This study also shows that financing and liquidity risks simultaneously affect Islamic commercial banks' profitability. Based on the calculations carried out in this study, the results showed that the financing risk level could affect Islamic commercial banks' profitability.","PeriodicalId":243045,"journal":{"name":"Al Fiddhoh: Journal of Banking, Insurance, and Finance","volume":"28 9","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121006725","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Muhammad Faris Nafi’udin, Mohammad Nabil Alfi, Muhammad Iqbal Fathoni, N. Athallah
In the banking world, Service Assistant (SA) has a significant role in serving needs, satisfying customers, and maintaining good customer relations. A service Assistant (SA) is required to provide excellent service at the main gate. To be able to provide excellent service, an officer must be essential services related to knowledge of bank products and be able to apply applicable Standard Operating Procedures (SOPs). This study aims to determine how Standard Operational Procedures (SOP) are applied in the Service Assistant (SA) section to provide excellent service at Bank Jatim Syariah KC Malang. This study uses a qualitative descriptive method; researchers try to describe a symptom, event, and event during the study. The object of this study researchers took the subject matter of the research as a case study, namely the Application of Standard Operating Procedures to Prima Service Assistant (SA) Services at Bank Jatim Syariah KC Malang. The results showed that the application of SOPs in the excellent service of Service Assistants must be able to play an active role in serving customers internally and externally. To provide excellent service according to SOPs, such as in terms of appearance, body gestures, intonation, clear and comfortable explanations, and provide smiles by treating and to all customers, such as priority customers from the bank.
{"title":"PENERAPAN STANDAR OPERASIONAL PROSEDUR TERHADAP PELAYANAN PRIMA SERVICE ASSISTANT (SA) DI BANK JATIM SYARIAH KC MALANG","authors":"Muhammad Faris Nafi’udin, Mohammad Nabil Alfi, Muhammad Iqbal Fathoni, N. Athallah","doi":"10.32939/fdh.v4i1.2024","DOIUrl":"https://doi.org/10.32939/fdh.v4i1.2024","url":null,"abstract":"In the banking world, Service Assistant (SA) has a significant role in serving needs, satisfying customers, and maintaining good customer relations. A service Assistant (SA) is required to provide excellent service at the main gate. To be able to provide excellent service, an officer must be essential services related to knowledge of bank products and be able to apply applicable Standard Operating Procedures (SOPs). This study aims to determine how Standard Operational Procedures (SOP) are applied in the Service Assistant (SA) section to provide excellent service at Bank Jatim Syariah KC Malang. This study uses a qualitative descriptive method; researchers try to describe a symptom, event, and event during the study. The object of this study researchers took the subject matter of the research as a case study, namely the Application of Standard Operating Procedures to Prima Service Assistant (SA) Services at Bank Jatim Syariah KC Malang. The results showed that the application of SOPs in the excellent service of Service Assistants must be able to play an active role in serving customers internally and externally. To provide excellent service according to SOPs, such as in terms of appearance, body gestures, intonation, clear and comfortable explanations, and provide smiles by treating and to all customers, such as priority customers from the bank.","PeriodicalId":243045,"journal":{"name":"Al Fiddhoh: Journal of Banking, Insurance, and Finance","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130337067","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This research is based on the number of customers for Arrum Haji products which are not as many as other products issued by Pegadaian Syariah Cabang Jelutung Jambi. There were very few customers who used this product at the beginning of the interview. The problem in this study is what are the obstacles faced by Pegadaian Syariah Cabang Jelutung Jambi in marketing Arum Haji products and how is the marketing strategy of Arrum Haji products in increasing the number of customers. The marketing strategy at Pegadaian Syariah Cabang Jambi applies a marketing mix, namely product strategy, price strategy, place strategy, and promotion strategy. The price strategy and location strategy are good, because the price given by the pawnshop has been determined by the head office, while for the location strategy before the Pegadaian Syariah Cabang Jelutung Jambi was established, a survey was carried out first. However, the product strategy and promotion strategy are not good, because the Pegadaian Syariah Cabang Jelutung Jambi has not been maximal in introducing its products, as well as its marketing strategy, it is necessary to improve promotional strategies to increase the number of customers, for example socializing to the public.
{"title":"STRATEGI PEMASARAN PRODUK PEMBIAYAAN ARRUM HAJI DI PT. PEGADAIAN SYARIAH CABANG JELUTUNG JAMBI","authors":"Addiarrahman Addiarrahman, Umi Toeba","doi":"10.32939/fdh.v4i1.1542","DOIUrl":"https://doi.org/10.32939/fdh.v4i1.1542","url":null,"abstract":"This research is based on the number of customers for Arrum Haji products which are not as many as other products issued by Pegadaian Syariah Cabang Jelutung Jambi. There were very few customers who used this product at the beginning of the interview. The problem in this study is what are the obstacles faced by Pegadaian Syariah Cabang Jelutung Jambi in marketing Arum Haji products and how is the marketing strategy of Arrum Haji products in increasing the number of customers. The marketing strategy at Pegadaian Syariah Cabang Jambi applies a marketing mix, namely product strategy, price strategy, place strategy, and promotion strategy. The price strategy and location strategy are good, because the price given by the pawnshop has been determined by the head office, while for the location strategy before the Pegadaian Syariah Cabang Jelutung Jambi was established, a survey was carried out first. However, the product strategy and promotion strategy are not good, because the Pegadaian Syariah Cabang Jelutung Jambi has not been maximal in introducing its products, as well as its marketing strategy, it is necessary to improve promotional strategies to increase the number of customers, for example socializing to the public.","PeriodicalId":243045,"journal":{"name":"Al Fiddhoh: Journal of Banking, Insurance, and Finance","volume":"83 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122557789","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
One of the objectives of managing finance is to increase shareholder prosperity as measured by the company’s stock price. There are many factors that influence Stock Price, in this study the factors used are Earning Per Share (EPS), Return On Equity (ROE), and Debt to Equity Ratio (DER). In this study the company that was examined was PT. Indofood Sukses Makmur Tbk for the 2009-2018. This study aims to find out partially and simultaneously the influence of Earning Per Share (EPS), Return On Equity (ROE), and Debt to Equity Ratio (DER) on Stock Price in PT. Indofood Sukses Makmur Tbk for the 2009-2018. Researchers use quantitative research methods. The type of data used is secondary data. Data collection techniques, namely with financial statement. With data analysis techniques that use multiple linear regression analysis and hypothesis testing SPSS Version 20.0. The results showed that Earning Per Share (EPS) had a possitive effect and have a significant effect on Stock Prices, Return On Equity (ROE) had a negative effect and did have a significant effect on Stock Price, Debt to Equity Ratio (DER) had a possitive effect and not have a significant effect on Stock Price. Simultaneously Earning Per Share (EPS), Return On Equity (ROE) and Debt to Equity Ratio (DER) affect Stock Price.
管理财务的目标之一是通过公司的股票价格来增加股东的财富。影响股票价格的因素有很多，在本研究中使用的因素是每股收益(EPS)，净资产收益率(ROE)和债务权益比(DER)。在这项研究中，被调查的公司是PT. Indofood Sukses Makmur Tbk(2009-2018年)。本研究旨在找出2009-2018年度印度食品suks Makmur Tbk公司的每股收益(EPS)、净资产收益率(ROE)和资产负债率(DER)对股价的部分和同时影响。研究人员使用定量研究方法。使用的数据类型是辅助数据。数据收集技术，即与财务报表。与数据分析技术，使用多元线性回归分析和假设检验SPSS 20.0版。结果表明，每股收益(EPS)对股价有正向影响且有显著影响，净资产收益率(ROE)对股价有负向影响且有显著影响，负债与权益比率(DER)对股价有正向影响且无显著影响。每股收益(EPS)、净资产收益率(ROE)和资产负债率(DER)同时影响股票价格。
{"title":"PENGARUH EARNING PER SHARE (EPS), RETURN ON EQUITY (ROE) DAN DEBT TO EQUITY RATIO (DER) TERHADAP HARGA SAHAM PADA PT. INDOFOOD SUKSES MAKMUR TBK PERIODE 2009-2018","authors":"Maryanto Maryanto","doi":"10.32939/fdh.v3i2.1503","DOIUrl":"https://doi.org/10.32939/fdh.v3i2.1503","url":null,"abstract":"One of the objectives of managing finance is to increase shareholder prosperity as measured by the company’s stock price. There are many factors that influence Stock Price, in this study the factors used are Earning Per Share (EPS), Return On Equity (ROE), and Debt to Equity Ratio (DER). In this study the company that was examined was PT. Indofood Sukses Makmur Tbk for the 2009-2018. This study aims to find out partially and simultaneously the influence of Earning Per Share (EPS), Return On Equity (ROE), and Debt to Equity Ratio (DER) on Stock Price in PT. Indofood Sukses Makmur Tbk for the 2009-2018. Researchers use quantitative research methods. The type of data used is secondary data. Data collection techniques, namely with financial statement. With data analysis techniques that use multiple linear regression analysis and hypothesis testing SPSS Version 20.0. The results showed that Earning Per Share (EPS) had a possitive effect and have a significant effect on Stock Prices, Return On Equity (ROE) had a negative effect and did have a significant effect on Stock Price, Debt to Equity Ratio (DER) had a possitive effect and not have a significant effect on Stock Price. Simultaneously Earning Per Share (EPS), Return On Equity (ROE) and Debt to Equity Ratio (DER) affect Stock Price.","PeriodicalId":243045,"journal":{"name":"Al Fiddhoh: Journal of Banking, Insurance, and Finance","volume":"112 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-09-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124792605","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This stady aims to analyze the financial perfomace of one of the islamic banks in Indonesia based on the profitability ratios before and during the covid-19 pandemic. As for the object in this study, namely PT. Bank Rakyat Indonesia Syariah Tbk. In this study the authors manage all aspects of the research contained in the profitability ratios including return on asset, return on equity, operating costs, net profit margi and gross profit margin with the hope that the final result of the research can find out whether there is a profitability comparasion at PT. Bank Rakyat Indonesia Syariah before and during covid-19 or there is no comparasion of profitability at PT. Bank Rakyat Indonesia Syariah before and during covid-19. As for this type of research is a type of comparative descriptive research with a quantitative approach. The data contained in this study is non-parametric data with the Wilxocon test analysis technique using SPSS. With the results of the study there is a comparasion of profitability at PT. Bank Rakyat Indonesia Syariah Tbk, before and during covid-19 on the ratio return on asset while in other research aspects such as retun on equity, operating costs,net profit margin and gross profit margin there is no comparasion of profitability at PT. Bank Rakyat Indonesia Syariah Tbk,before and during covid-19.
本研究旨在根据2019冠状病毒病大流行之前和期间的盈利能力比率，分析印度尼西亚一家伊斯兰银行的财务业绩。对于本研究的对象，即PT. Bank Rakyat Indonesia Syariah Tbk。在本研究中，作者对利润率研究的各个方面进行了管理，包括资产回报率、股本回报率、运营成本、净利润率和毛利率，希望研究的最终结果能够找出在covid-19之前和期间PT. Bank Rakyat Indonesia Syariah是否存在盈利能力比较，或者在covid-19之前和期间PT. Bank Rakyat Indonesia Syariah没有盈利能力比较。这类研究是一种定量方法的比较描述性研究。本研究数据均为非参数数据，采用SPSS软件采用Wilxocon检验分析技术。根据研究结果，在covid-19之前和期间，对PT. Bank Rakyat Indonesia Syariah Tbk的盈利能力进行了资产收益率的比较，而在其他研究方面，如股本回报率、运营成本、净利润率和毛利率，没有对PT. Bank Rakyat Indonesia Syariah Tbk在covid-19之前和期间的盈利能力进行比较。
{"title":"ANALISIS KOMPARASI PROFITABILITAS PADA PT. BANK RAKYAT INDONESIA SYARIAH TBK, SEBELUM DAN SELAMA COVID-19","authors":"Eva Sumanti, Faisal Amri, Elex Sarmigi","doi":"10.32939/fdh.v3i2.1518","DOIUrl":"https://doi.org/10.32939/fdh.v3i2.1518","url":null,"abstract":"This stady aims to analyze the financial perfomace of one of the islamic banks in Indonesia based on the profitability ratios before and during the covid-19 pandemic. As for the object in this study, namely PT. Bank Rakyat Indonesia Syariah Tbk. In this study the authors manage all aspects of the research contained in the profitability ratios including return on asset, return on equity, operating costs, net profit margi and gross profit margin with the hope that the final result of the research can find out whether there is a profitability comparasion at PT. Bank Rakyat Indonesia Syariah before and during covid-19 or there is no comparasion of profitability at PT. Bank Rakyat Indonesia Syariah before and during covid-19. As for this type of research is a type of comparative descriptive research with a quantitative approach. The data contained in this study is non-parametric data with the Wilxocon test analysis technique using SPSS. With the results of the study there is a comparasion of profitability at PT. Bank Rakyat Indonesia Syariah Tbk, before and during covid-19 on the ratio return on asset while in other research aspects such as retun on equity, operating costs,net profit margin and gross profit margin there is no comparasion of profitability at PT. Bank Rakyat Indonesia Syariah Tbk,before and during covid-19.","PeriodicalId":243045,"journal":{"name":"Al Fiddhoh: Journal of Banking, Insurance, and Finance","volume":"27 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-09-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125970023","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to determine: level of efficiency and effectiveness in the financial management. The object of this research is Tanjung Jabung Timur Regency with a range of research years, namely 2010-2020. The analytical tool used is the formula Efficiency and Effectiveness. Based on the results of the study show that: The ability of the government of Tanjung Jabung Timur Regency in 2010-2020 is still less efficient, it is seen from the average level of efficiency in the management of regional finances which shows 97.01% results with the criteria of Not Efficient. From the results of the effectiveness analysis shows that the average value of the effectiveness of the level of financial management in Tanjung Jabung Timur Regency in 2010-2020 is 92.49%,which is asufficiently effective criteria.
{"title":"ANALISIS EFISIENSI DAN EFEKTIVITAS PENGELOLAAN KEUANGAN DAERAH","authors":"Osi Hayuni Putri","doi":"10.32939/fdh.v3i2.1506","DOIUrl":"https://doi.org/10.32939/fdh.v3i2.1506","url":null,"abstract":"This study aims to determine: level of efficiency and effectiveness in the financial management. The object of this research is Tanjung Jabung Timur Regency with a range of research years, namely 2010-2020. The analytical tool used is the formula Efficiency and Effectiveness. Based on the results of the study show that: The ability of the government of Tanjung Jabung Timur Regency in 2010-2020 is still less efficient, it is seen from the average level of efficiency in the management of regional finances which shows 97.01% results with the criteria of Not Efficient. From the results of the effectiveness analysis shows that the average value of the effectiveness of the level of financial management in Tanjung Jabung Timur Regency in 2010-2020 is 92.49%,which is asufficiently effective criteria.","PeriodicalId":243045,"journal":{"name":"Al Fiddhoh: Journal of Banking, Insurance, and Finance","volume":"11 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-09-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132902195","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to explain how Indonesian financial institutions apply ijarah applications to financial products.This study uses a descriptive analysis method to explain the concept of Islamic banks regarding al-Ijarah as a general lease, but the difference with Islamic banks is the lease that the customer can choose at the end of the contract. The results of this study indicate that Islamic banks and financial companies that borrow various financial products consistently exempt them from being prohibited by religious law. This indicates compliance with all applicable regulations, regardless of what is required by law by Government Agencies, DSN-MUI or Ulama Majma`al-Fiqh al-Islami. The results of this study are able to provide an overview to Islamic Financial Institutions both Bank and Non-Bank to always pay attention to the Ijarah services and processes offered to customers to create customer satisfaction.
{"title":"ANALISIS AKAD IJARAH DALAM PRAKTIK PRODUK PEMBIAYAAN LEMBAGA KEUANGAN DI INDONESIA","authors":"Dyah Ayu Sekar Sukmaningrum, Muhammad Yazid","doi":"10.32939/fdh.v3i2.1421","DOIUrl":"https://doi.org/10.32939/fdh.v3i2.1421","url":null,"abstract":"This study aims to explain how Indonesian financial institutions apply ijarah applications to financial products.This study uses a descriptive analysis method to explain the concept of Islamic banks regarding al-Ijarah as a general lease, but the difference with Islamic banks is the lease that the customer can choose at the end of the contract. The results of this study indicate that Islamic banks and financial companies that borrow various financial products consistently exempt them from being prohibited by religious law. This indicates compliance with all applicable regulations, regardless of what is required by law by Government Agencies, DSN-MUI or Ulama Majma`al-Fiqh al-Islami. The results of this study are able to provide an overview to Islamic Financial Institutions both Bank and Non-Bank to always pay attention to the Ijarah services and processes offered to customers to create customer satisfaction.","PeriodicalId":243045,"journal":{"name":"Al Fiddhoh: Journal of Banking, Insurance, and Finance","volume":"21 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-09-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114523634","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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