B. Pramudita, J. Suyono, Damarsari Ratnasahara Elisabeth
This study aims to determine the effect of career development, job satisfaction, and organizational culture partially and simultaneously on employee loyalty of Logistics Company in Surabaya in Surabaya. This type of research is quantitative, where the researcher distributes questionnaires as a medium for data collection and then processes them into questionnaire interval data which is then processed using SPSS 25. The population and sample of this study amounted to 74 employees of a Logistics Company in Surabaya. Partial hypothesis test results Partial career development positive and significant effect on employee loyalty, job satisfaction is a partially positive and significant effect on employee loyalty and organizational culture partially positive and significant effect on employee loyalty. And the results of hypothesis testing simultaneously the F calculated value is stated to be 41,570 and is included as greater than the F table 2.74. This means that Ho is rejected and Hi is accepted. And the significant value is 0.000 less than 0.05. So career development, job satisfaction, and organizational culture simultaneously have a significant effect on employee loyalty. Meanwhile, from the determination test, the R Square coefficient of 0.625 2 means that the relationship between career development, job satisfaction, and organizational culture on employee loyalty influences of 62.5%, while the remaining 37.5% is explained by other variables not included in the modeling.
{"title":"The Influence of Career Development, Job Satisfaction, and Organizational Culture on Employee Loyalty","authors":"B. Pramudita, J. Suyono, Damarsari Ratnasahara Elisabeth","doi":"10.29138/je.v22i2.190","DOIUrl":"https://doi.org/10.29138/je.v22i2.190","url":null,"abstract":"This study aims to determine the effect of career development, job satisfaction, and organizational culture partially and simultaneously on employee loyalty of Logistics Company in Surabaya in Surabaya. This type of research is quantitative, where the researcher distributes questionnaires as a medium for data collection and then processes them into questionnaire interval data which is then processed using SPSS 25. The population and sample of this study amounted to 74 employees of a Logistics Company in Surabaya. Partial hypothesis test results Partial career development positive and significant effect on employee loyalty, job satisfaction is a partially positive and significant effect on employee loyalty and organizational culture partially positive and significant effect on employee loyalty. And the results of hypothesis testing simultaneously the F calculated value is stated to be 41,570 and is included as greater than the F table 2.74. This means that Ho is rejected and Hi is accepted. And the significant value is 0.000 less than 0.05. So career development, job satisfaction, and organizational culture simultaneously have a significant effect on employee loyalty. Meanwhile, from the determination test, the R Square coefficient of 0.625 2 means that the relationship between career development, job satisfaction, and organizational culture on employee loyalty influences of 62.5%, while the remaining 37.5% is explained by other variables not included in the modeling.","PeriodicalId":31623,"journal":{"name":"Islamiconomic Jurnal Ekonomi Islam","volume":"30 1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-03-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90972799","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 and analyze the effect of financial performance through return on assets , return on equity, net profit margin, and earnings per share either simultaneously or partially on stock prices. food and beverage sub-sector companies listed on the Indonesia Stock Exchange for the 2017-2021 period. The population of this study is all food and beverage sub-sector companies indexed on the IDX for the 2017-2021 period. The sampling technique used purposive sampling which resulted in 17 sample companies. Data analysis used multiple linear regression. The results of this study indicate that simultaneously stock prices are significantly influenced by financial performance through return on assets (ROA), return on equity (ROE), net profit margin . (NPM), and earnings per share (EPS). Return on assets (ROA) and earnings per share (EPS) have a significant effect on stock prices , while return on equity (ROE) and net profit margin (NPM) have no significant effect on stock prices. The implication of the results of this study is that companies increase their income and assets so that net income is greater and earnings per share are also greater. Shareholders should not immediately withdraw their shares when the share price declines in the hope that their financial performance is stable.
{"title":"The Effect of Financial Performance on Stock Prices in Food and Beverage Sub-Sector Companies Listed on the Indonesia Stock Exchange 2017-2021 Period","authors":"Aqsal Satya Happrabu, Ariyani","doi":"10.29138/je.v22i2.187","DOIUrl":"https://doi.org/10.29138/je.v22i2.187","url":null,"abstract":"This study aims to determine and analyze the effect of financial performance through return on assets , return on equity, net profit margin, and earnings per share either simultaneously or partially on stock prices. food and beverage sub-sector companies listed on the Indonesia Stock Exchange for the 2017-2021 period. The population of this study is all food and beverage sub-sector companies indexed on the IDX for the 2017-2021 period. The sampling technique used purposive sampling which resulted in 17 sample companies. Data analysis used multiple linear regression. The results of this study indicate that simultaneously stock prices are significantly influenced by financial performance through return on assets (ROA), return on equity (ROE), net profit margin . (NPM), and earnings per share (EPS). Return on assets (ROA) and earnings per share (EPS) have a significant effect on stock prices , while return on equity (ROE) and net profit margin (NPM) have no significant effect on stock prices. The implication of the results of this study is that companies increase their income and assets so that net income is greater and earnings per share are also greater. Shareholders should not immediately withdraw their shares when the share price declines in the hope that their financial performance is stable.","PeriodicalId":31623,"journal":{"name":"Islamiconomic Jurnal Ekonomi Islam","volume":"16 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-03-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"82670415","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}
The goals of this research is to obtain empirical evidence regarding the effects of profitability, leverage, firm size, and net working capital on cash holding in consumer non-cyclical sector companies listed on the Indonesia Stock Exchange (IDX) for the 2019 – 2021 period. Purposive sampling was used in this study to select 62 samples and 186 data points from consumer non-cyclical companies. Data for this study were collected and analysed using Microsoft Excel 2016 and Eviews 12. The result of this research indicates that profitability and firm size have no effects on cash holding. Meanwhile, leverage and net working capital have a significant negative effect on cash holding.
{"title":"Pengaruh Profitabilitas, Leverage, Firm Size, dan Net Working Capital Terhadap Cash Holding","authors":"","doi":"10.24912/je.v28i1.1236","DOIUrl":"https://doi.org/10.24912/je.v28i1.1236","url":null,"abstract":"The goals of this research is to obtain empirical evidence regarding the effects of profitability, leverage, firm size, and net working capital on cash holding in consumer non-cyclical sector companies listed on the Indonesia Stock Exchange (IDX) for the 2019 – 2021 period. Purposive sampling was used in this study to select 62 samples and 186 data points from consumer non-cyclical companies. Data for this study were collected and analysed using Microsoft Excel 2016 and Eviews 12. The result of this research indicates that profitability and firm size have no effects on cash holding. Meanwhile, leverage and net working capital have a significant negative effect on cash holding.","PeriodicalId":31623,"journal":{"name":"Islamiconomic Jurnal Ekonomi Islam","volume":"415 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-03-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"76626830","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 aims to find the correlation between financial literacy towards financial decision-making with retirement planning, sandwich generation, and stres as the mediating variables. Population used in this research is Indonesian people who are their productive age, are generating income, and are financially responsible for themselves and their families who are both older and younger than them. In this research, researchers gathered 382 samples dominated by people aged between 26 until 31 who live on Java Island. This research uses the quantitative method, cross-sectional, and convenience sampling using questionnaires distributed online. Then, the data is analyzed by using smartPLS 4.0 version. The result is financial literacy positively correlates with retirement planning; retirement planning positively influences sandwich generation; sandwich generation negatively affects stress, and stress negatively correlates with financial decision-making.
{"title":"Generasi Sandwich: Penyebab Stres Dan Pengaruhnya Terhadap Keputusan Keuangan","authors":"Nuryasman MN, Elizabeth Elizabeth","doi":"10.24912/je.v28i1.1322","DOIUrl":"https://doi.org/10.24912/je.v28i1.1322","url":null,"abstract":"This research aims to find the correlation between financial literacy towards financial decision-making with retirement planning, sandwich generation, and stres as the mediating variables. Population used in this research is Indonesian people who are their productive age, are generating income, and are financially responsible for themselves and their families who are both older and younger than them. In this research, researchers gathered 382 samples dominated by people aged between 26 until 31 who live on Java Island. This research uses the quantitative method, cross-sectional, and convenience sampling using questionnaires distributed online. Then, the data is analyzed by using smartPLS 4.0 version. The result is financial literacy positively correlates with retirement planning; retirement planning positively influences sandwich generation; sandwich generation negatively affects stress, and stress negatively correlates with financial decision-making.","PeriodicalId":31623,"journal":{"name":"Islamiconomic Jurnal Ekonomi Islam","volume":"31 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-03-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"75015292","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}
Nik Amah, Candra Febrilyantri, dan Novi, D. Lestari
The research objective was to find out whether there was an effect of tax incentives on MSME taxpayer compliance during the COVID-19 pandemic with the level of trust in the government as a moderating variable. The sampling technique used is Accidental Sampling. The research sample are 100 respondents. Data collection through distributing questionnaires. Statistical testing to support Structural Equation Modeling (SEM) analysis using SmartPLS version 3.0 software. The results of the study document that tax incentives have a positive effect on MSME taxpayer compliance. The level of trust in the government is not able to moderate the effect of tax incentives on MSME taxpayer compliance.
{"title":"Insentif Pajak Dan Tingkat Kepercayaan: Pengaruhnya Terhadap Kepatuhan Wajib Pajak","authors":"Nik Amah, Candra Febrilyantri, dan Novi, D. Lestari","doi":"10.24912/je.v28i1.1266","DOIUrl":"https://doi.org/10.24912/je.v28i1.1266","url":null,"abstract":"The research objective was to find out whether there was an effect of tax incentives on MSME taxpayer compliance during the COVID-19 pandemic with the level of trust in the government as a moderating variable. The sampling technique used is Accidental Sampling. The research sample are 100 respondents. Data collection through distributing questionnaires. Statistical testing to support Structural Equation Modeling (SEM) analysis using SmartPLS version 3.0 software. The results of the study document that tax incentives have a positive effect on MSME taxpayer compliance. The level of trust in the government is not able to moderate the effect of tax incentives on MSME taxpayer compliance.","PeriodicalId":31623,"journal":{"name":"Islamiconomic Jurnal Ekonomi Islam","volume":"51 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-03-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"88420398","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}
The purpose of this study is to determine whether company profitability, company size, growth rate and company asset structure affect the capital structure decisions of non-financial public companies included in the Kompas 100 index. The research method uses quantitative methods with descriptive statistical approaches and inferential statistics through regression analysis techniques. panel data. The results show that the effect of profitability, firm size, growth, and firm asset structure together on the capital structure of non-financial public companies listed in the Kompas 100 Index is positive and significant
{"title":"Determinants of Capital Structure in Non-Financial Companies","authors":"Chairul Akmal","doi":"10.32678/ijei.v13i2.412","DOIUrl":"https://doi.org/10.32678/ijei.v13i2.412","url":null,"abstract":"The purpose of this study is to determine whether company profitability, company size, growth rate and company asset structure affect the capital structure decisions of non-financial public companies included in the Kompas 100 index. The research method uses quantitative methods with descriptive statistical approaches and inferential statistics through regression analysis techniques. panel data. The results show that the effect of profitability, firm size, growth, and firm asset structure together on the capital structure of non-financial public companies listed in the Kompas 100 Index is positive and significant","PeriodicalId":31623,"journal":{"name":"Islamiconomic Jurnal Ekonomi Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48359230","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 comparison between the return and risk of metal “gold” investment with the return of Islamic mutual fund during the period 2011 to 2019. The information Using data of gold prices and Net Asset Value (NAV) for the daily period. This study exploits the purposive sampling techniques and obtained 5 islamic mutual fund companies. This research applied an independent t-Test to Compare the return of the two investment instruments by Mann-Whitney. Test and result prove that there are differences at alpha 0,05. It was concluded that "gold" investment provides higher return than Islamic mutual fund but a non-significant difference in risk
{"title":"A Comparative Study: Return and Risk Measurement Gold versus Islamic Mutual Fund","authors":"A. Anita, Srawut Aree","doi":"10.32678/ijei.v13i2.418","DOIUrl":"https://doi.org/10.32678/ijei.v13i2.418","url":null,"abstract":"This study aims to determine the comparison between the return and risk of metal “gold” investment with the return of Islamic mutual fund during the period 2011 to 2019. The information Using data of gold prices and Net Asset Value (NAV) for the daily period. This study exploits the purposive sampling techniques and obtained 5 islamic mutual fund companies. This research applied an independent t-Test to Compare the return of the two investment instruments by Mann-Whitney. Test and result prove that there are differences at alpha 0,05. It was concluded that \"gold\" investment provides higher return than Islamic mutual fund but a non-significant difference in risk","PeriodicalId":31623,"journal":{"name":"Islamiconomic Jurnal Ekonomi Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42691823","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}
Cash waqf in Indonesia has become a topic of discussion in the world of scientific articles, both national and international scientific articles. In addition, cash waqf has also been regulated in law but all of this does not make the literacy of Muslims in Indonesia increase related to cash waqf, this can be seen from the waqf funds collected are not optimal if look at the condition of Muslims in Indonesia. This study uses a qualitative approach to content analysis by using the FGD method as a complement to this research. The results in this study, there is still a lack of public literacy related to cash waqf by looking at several previous studies so that academics provide several strategies and inputs to improve public literacy related to cash waqf, so that people have awareness in cash waqf.
{"title":"Cash Waqf Literacy in Indonesia: Literature Studies and Perspectives of Islamic Economics Academics","authors":"N. Jannah, A. Soemitra","doi":"10.32678/ijei.v13i2.386","DOIUrl":"https://doi.org/10.32678/ijei.v13i2.386","url":null,"abstract":"Cash waqf in Indonesia has become a topic of discussion in the world of scientific articles, both national and international scientific articles. In addition, cash waqf has also been regulated in law but all of this does not make the literacy of Muslims in Indonesia increase related to cash waqf, this can be seen from the waqf funds collected are not optimal if look at the condition of Muslims in Indonesia. This study uses a qualitative approach to content analysis by using the FGD method as a complement to this research. The results in this study, there is still a lack of public literacy related to cash waqf by looking at several previous studies so that academics provide several strategies and inputs to improve public literacy related to cash waqf, so that people have awareness in cash waqf.","PeriodicalId":31623,"journal":{"name":"Islamiconomic Jurnal Ekonomi Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42620468","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}
The economy in Indonesia is currently not doing well. This can be seen from indonesia's economic growth data which is minus to 5.32 percent, which causes the Indonesian economy to become fragile and requires us to continue to think about how to stabilize the economy again. So a strong analysis and an intelligent way of thinking are needed in overcoming this problem. This study aims to offer a concept from one of the Islamic authorities, namely Jamaluddin Al-Afghani, with his Islamic reform, namely Pan-Islamism in overcoming political economic problems that occur in Indonesia. By using descriptive analytical methods and qualitative approaches that contradicthis thinking, namely Pan-Islamism with several other Islamic scientists' thoughts and coupled with using data from previous studies. Finally, this article presents the concept of political economy which is believed to be able to create a better Indonesian economy. Some of the principles emphasized are the need for the Islamic world to unite together against foreign forces in the crucible of Pan Islamism, because the source of weakness of the Islamic world is the weak solidarity of Muslims. Then Muslims must unite both in political and economic terms, the Leader of the State must spread his call and ideas about reform and renewal in all aspects of life, whether political, economic, social and cultural, are comprehensive for all Muslims around the world where Individuals help each other. So that it can be applied to achieve the political renewal of human economy in this era.
印尼的经济目前并不景气。这可以从印尼经济增长数据中看出,该数据为负5.32%,这导致印尼经济变得脆弱,需要我们继续思考如何再次稳定经济。因此,克服这个问题需要强有力的分析和明智的思维方式。本研究旨在提供伊斯兰当局之一Jamaluddin Al Afghani的一个概念,即他的伊斯兰改革,即泛伊斯兰主义,以克服印度尼西亚出现的政治经济问题。通过使用与他的思想相矛盾的描述性分析方法和定性方法,即泛伊斯兰主义与其他几位伊斯兰科学家的思想,并结合使用先前研究的数据。最后,本文提出了政治经济学的概念,认为政治经济学能够创造更好的印尼经济。强调的一些原则是,伊斯兰世界需要团结起来,在泛伊斯兰主义的熔炉中对抗外国势力,因为伊斯兰世界软弱的根源是穆斯林的软弱团结。然后,穆斯林必须在政治和经济方面团结起来,国家领导人必须在生活的各个方面,无论是政治、经济、社会和文化,传播他关于改革和复兴的呼吁和想法,这对世界各地的所有穆斯林来说都是全面的,个人之间相互帮助。从而可以应用它来实现这个时代人类经济的政治更新。
{"title":"Could Pan-Islamism Be a Politically Economic Solution in Indonesia?","authors":"S. Syamsuri, H. Khotimah, K. Umam","doi":"10.32678/ijei.v13i2.407","DOIUrl":"https://doi.org/10.32678/ijei.v13i2.407","url":null,"abstract":"The economy in Indonesia is currently not doing well. This can be seen from indonesia's economic growth data which is minus to 5.32 percent, which causes the Indonesian economy to become fragile and requires us to continue to think about how to stabilize the economy again. So a strong analysis and an intelligent way of thinking are needed in overcoming this problem. This study aims to offer a concept from one of the Islamic authorities, namely Jamaluddin Al-Afghani, with his Islamic reform, namely Pan-Islamism in overcoming political economic problems that occur in Indonesia. By using descriptive analytical methods and qualitative approaches that contradicthis thinking, namely Pan-Islamism with several other Islamic scientists' thoughts and coupled with using data from previous studies. Finally, this article presents the concept of political economy which is believed to be able to create a better Indonesian economy. Some of the principles emphasized are the need for the Islamic world to unite together against foreign forces in the crucible of Pan Islamism, because the source of weakness of the Islamic world is the weak solidarity of Muslims. Then Muslims must unite both in political and economic terms, the Leader of the State must spread his call and ideas about reform and renewal in all aspects of life, whether political, economic, social and cultural, are comprehensive for all Muslims around the world where Individuals help each other. So that it can be applied to achieve the political renewal of human economy in this era.","PeriodicalId":31623,"journal":{"name":"Islamiconomic Jurnal Ekonomi Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48271685","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 effect of exchange rates, Bank Indonesia Sharia Certificates (SBIS), and profit-based financing on the level of risk of financing problems in Sharia Commercial Banks in Indonesia. The data used were the secondary data from January 2015 to October 2021. The population was the Sharia Commercial Bank in Sharia Banking Statistics published by the Financial Services Authority (OJK), by using non-probability sampling technique. The data analysis used was multiple linear regression using STATA software. The results of this study indicate that partially the independent variable namely the exchange rate has an insignificant negative effect on the risk level of problem financing. Moreover, SBIS has a significant negative effect on the level of risk of non-performing financing, and profit-based financing has a significant negative effect on the level of risk of financing problems.
{"title":"The Effect of Exchange, SBIS, and Profit-Based Financing on The Level of Risk of Financing Problems","authors":"Willa Fatika Sari, Miftahul Mahrus, Yasmin Yasmin","doi":"10.32678/ijei.v13i2.404","DOIUrl":"https://doi.org/10.32678/ijei.v13i2.404","url":null,"abstract":"This study aims to determine the effect of exchange rates, Bank Indonesia Sharia Certificates (SBIS), and profit-based financing on the level of risk of financing problems in Sharia Commercial Banks in Indonesia. The data used were the secondary data from January 2015 to October 2021. The population was the Sharia Commercial Bank in Sharia Banking Statistics published by the Financial Services Authority (OJK), by using non-probability sampling technique. The data analysis used was multiple linear regression using STATA software. The results of this study indicate that partially the independent variable namely the exchange rate has an insignificant negative effect on the risk level of problem financing. Moreover, SBIS has a significant negative effect on the level of risk of non-performing financing, and profit-based financing has a significant negative effect on the level of risk of financing problems.","PeriodicalId":31623,"journal":{"name":"Islamiconomic Jurnal Ekonomi Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44842466","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}