Pub Date : 2022-01-13DOI: 10.19109/ifinance.v7i2.10262
Achmad Jufri, Slamet Haryono
Penelitian ini bertujuan untuk menguji hubungan simetris jangka panjang pandemi Covid-19 dan kurs dollar terhadap indeks saham syariah di wilayah Asia dan menguji hubungan asimetris jangka panjang atau asimetris spillover effect indeks saham syariah Cina terhadap indeks saham syariah di wilayah Asia dalam periode 01 Januari 2020 sampai 30 Septermber 2021. Untuk menguji hubungan simetris jangka panjang, digunakan model Autoregressive Distributed lag (ARDL) dan model Nonliner Autoregressive Distributed Lag (NARDL) untuk menguji hubungan asimetris jangka panjang. Hasil pengujian dengan model ARDL menemukan bahwa variabel pandemi Covid-19, yaitu jumlah kasus dan jumlah kematian serta kurs dollar berkointegrasi terhadap indeks saham syariah Thailand, Indonesia, Cina, Jepang, Kuwait, Qatar, Sri Lanka dan Taiwan. Sedangkan pengujian dengan model NARDL menemukan bahwa indeks saham syariah Cina berpengaruh asimetris terhadap indeks saham syariah Taiwan, Pakistan, dan Sri Lanka dalam jangka panjang. Hasil penelitian ini dapat digunakan oleh para pihak yang terlibat dalam sektor pasar modal, seperti pembuat kebijakan dan akademisi muslim sebagai langkah preventif dalam menganalisa pergerakan saham syariah dan khususnya investor internasional muslim sebagai bahan pertimbangan investasi pada masa pandemi Covid-19.
{"title":"COVID-19, KURS DAN INDEKS SAHAM SYARIAH DI ASIA: SEBUAH PENDEKATAN SIMETRIS DAN ASIMETRIS","authors":"Achmad Jufri, Slamet Haryono","doi":"10.19109/ifinance.v7i2.10262","DOIUrl":"https://doi.org/10.19109/ifinance.v7i2.10262","url":null,"abstract":"Penelitian ini bertujuan untuk menguji hubungan simetris jangka panjang pandemi Covid-19 dan kurs dollar terhadap indeks saham syariah di wilayah Asia dan menguji hubungan asimetris jangka panjang atau asimetris spillover effect indeks saham syariah Cina terhadap indeks saham syariah di wilayah Asia dalam periode 01 Januari 2020 sampai 30 Septermber 2021. Untuk menguji hubungan simetris jangka panjang, digunakan model Autoregressive Distributed lag (ARDL) dan model Nonliner Autoregressive Distributed Lag (NARDL) untuk menguji hubungan asimetris jangka panjang. Hasil pengujian dengan model ARDL menemukan bahwa variabel pandemi Covid-19, yaitu jumlah kasus dan jumlah kematian serta kurs dollar berkointegrasi terhadap indeks saham syariah Thailand, Indonesia, Cina, Jepang, Kuwait, Qatar, Sri Lanka dan Taiwan. Sedangkan pengujian dengan model NARDL menemukan bahwa indeks saham syariah Cina berpengaruh asimetris terhadap indeks saham syariah Taiwan, Pakistan, dan Sri Lanka dalam jangka panjang. Hasil penelitian ini dapat digunakan oleh para pihak yang terlibat dalam sektor pasar modal, seperti pembuat kebijakan dan akademisi muslim sebagai langkah preventif dalam menganalisa pergerakan saham syariah dan khususnya investor internasional muslim sebagai bahan pertimbangan investasi pada masa pandemi Covid-19.","PeriodicalId":33079,"journal":{"name":"IFinance","volume":"479 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-01-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"77050068","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}
Pub Date : 2021-12-31DOI: 10.19109/ifinance.v7i2.9728
Lidia Desiana, M. J. Diem
This study examines the Effect of Leverage, Intangible Assets, Tangible Assets and Company Size on Prediction of Financial Distress in Companies Listed in the Jakarta Islamic Index for the 2014-2019 Period. The independent variables in this research are Leverage, Intangible assets, Tangible Assets and Company Size, while the variable is Financial Distress which is a description of the company's financial failure as measured by the Springate model or better known as the S-Score. The population in this study are companies listed at JII for the period 2014-2019. Sampling technique with purposive sampling method. A total of 14 companies for 6 years. Logistic regression analysis using IBM SPSS. The leverage variable with a value of -0.007 and a significance value of 0.109, that is > 0.05, means that leverage has no effect on financial distress. The intangible asset variable has a value of 0.053 with a significance value of 0.888 that > 0.05 then intangible assets have no effect on financial distress. The tangible asset variable has a value of -1.506 and a significance value of 0.002 that <0.05, then tangible assets have an effect on financial distress. The size variable has a value of -1.453 and a significance value of 0.007 that < from a significance level of 0.05, the size has an effect on financial distress. The conclusion shows that only tangible assets and size variables have an effect on financial distress, while leverage and intangible assets have no effect on financial distress.
{"title":"Financial Distress Ditinjau Dari Leverage, Intangible Asset, Tangible Asset dan Ukuran Perusahaan","authors":"Lidia Desiana, M. J. Diem","doi":"10.19109/ifinance.v7i2.9728","DOIUrl":"https://doi.org/10.19109/ifinance.v7i2.9728","url":null,"abstract":"This study examines the Effect of Leverage, Intangible Assets, Tangible Assets and Company Size on Prediction of Financial Distress in Companies Listed in the Jakarta Islamic Index for the 2014-2019 Period. The independent variables in this research are Leverage, Intangible assets, Tangible Assets and Company Size, while the variable is Financial Distress which is a description of the company's financial failure as measured by the Springate model or better known as the S-Score. The population in this study are companies listed at JII for the period 2014-2019. Sampling technique with purposive sampling method. A total of 14 companies for 6 years. Logistic regression analysis using IBM SPSS. The leverage variable with a value of -0.007 and a significance value of 0.109, that is > 0.05, means that leverage has no effect on financial distress. The intangible asset variable has a value of 0.053 with a significance value of 0.888 that > 0.05 then intangible assets have no effect on financial distress. The tangible asset variable has a value of -1.506 and a significance value of 0.002 that <0.05, then tangible assets have an effect on financial distress. The size variable has a value of -1.453 and a significance value of 0.007 that < from a significance level of 0.05, the size has an effect on financial distress. The conclusion shows that only tangible assets and size variables have an effect on financial distress, while leverage and intangible assets have no effect on financial distress. \u0000 ","PeriodicalId":33079,"journal":{"name":"IFinance","volume":"25 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"72756499","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}
Pub Date : 2021-07-30DOI: 10.19109/ifinance.v7i1.8406
M. Arief, Rika Lidyah, M. Iqbal
This study aims to determine the effect of the Interest Rate on the profit-sharing of Mudharabah deposits with Return On Asset (ROA) as mediation at Sharia Banks in Indonesia in 2014-2018. This research uses quantitative methods. The type of data in this study is secondary data. Data collection techniques using documentation techniques. The sample selection tested in this study uses a purposive sampling method. The sample used is the quarterly financial statements in 2014-2018 at 3 Islamic commercial banks in Indonesia. In this study data analysis techniques using the SPSS 21 application. The results of this study indicate that interest rates have a positive and significant effect on the profit-sharing of Mudharabah deposits and interest rates also have a negative and significant effect on return on assets (ROA). Return On Assets (ROA) has a negative and significant effect on the profit-sharing of Mudharabah deposits. While interest rates have a positive and significant effect on the profit-sharing of Mudharabah deposits with Return On Asset (ROA) as mediation
{"title":"Pengaruh Suku Bunga Terhadap Bagi Hasil Deposito Mudharabah Dengan Mediasi Return On Asset (ROA)","authors":"M. Arief, Rika Lidyah, M. Iqbal","doi":"10.19109/ifinance.v7i1.8406","DOIUrl":"https://doi.org/10.19109/ifinance.v7i1.8406","url":null,"abstract":"This study aims to determine the effect of the Interest Rate on the profit-sharing of Mudharabah deposits with Return On Asset (ROA) as mediation at Sharia Banks in Indonesia in 2014-2018. This research uses quantitative methods. The type of data in this study is secondary data. Data collection techniques using documentation techniques. The sample selection tested in this study uses a purposive sampling method. The sample used is the quarterly financial statements in 2014-2018 at 3 Islamic commercial banks in Indonesia. In this study data analysis techniques using the SPSS 21 application. The results of this study indicate that interest rates have a positive and significant effect on the profit-sharing of Mudharabah deposits and interest rates also have a negative and significant effect on return on assets (ROA). Return On Assets (ROA) has a negative and significant effect on the profit-sharing of Mudharabah deposits. While interest rates have a positive and significant effect on the profit-sharing of Mudharabah deposits with Return On Asset (ROA) as mediation","PeriodicalId":33079,"journal":{"name":"IFinance","volume":"65 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-07-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"73959184","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}
Pub Date : 2021-07-18DOI: 10.19109/ifinance.v7i1.8189
M. S. Pratama
Penelitian ini bertujuan untuk melihat pengaruh BOPO (Beban Operasional Pendapatan Operasional ), LDR (Loan to Deposit Ratio), CAR (Capital Adequacy Ratio) dna NPL (Non Performing Loan) terhadap ROA (Return on Assets) pada sektor perbankan yang terdaftar di BEI (Bursa Efek Indonesia) tahun 2017-2019. Sumber data berasal dari laporan keuangan perusahaan dan Indonesian Capital Market Directory (ICMD) perusahaan sektor perbankan yang terdaftar di BEI (Bursa Efek Indonesia). Populasi yang digunakan pada penelitian ini yaitu perusahaan yang memiliki laporan keuangan lengkap 3 tahun berturut, terdaftar pada BEI dan memiliki variabel yang diteliti. Metode pengambilan sampel sebanyak 39 perusahaan perbankan dengan jangka waktu 3 tahun. Teknik analisis yang digunakan adalah analisis regresi linier berganda dengan pengujian asumsi klasik menggunakan program SPSS Statistical Paskagerfor Social Science. Hasil penelitian ini secara parsial menunjukkan bahwa BOPO berpengaruh negatif terhadap ROA, LDR tidak berpengaruh terhadap ROA, CAR tidak berpengaruh terhadap ROA dan NPL tidak berpengaruh terhadap ROA, sedangkan secara simultan BOPO, LDR, CAR dan NPL berpengaruh terhadap ROA.
{"title":"Pengaruh BOPO, LDR, CAR, dan NPL terhadap Profitabilitas Sektor Perbankan Indonesia","authors":"M. S. Pratama","doi":"10.19109/ifinance.v7i1.8189","DOIUrl":"https://doi.org/10.19109/ifinance.v7i1.8189","url":null,"abstract":"Penelitian ini bertujuan untuk melihat pengaruh BOPO (Beban Operasional Pendapatan Operasional ), LDR (Loan to Deposit Ratio), CAR (Capital Adequacy Ratio) dna NPL (Non Performing Loan) terhadap ROA (Return on Assets) pada sektor perbankan yang terdaftar di BEI (Bursa Efek Indonesia) tahun 2017-2019. Sumber data berasal dari laporan keuangan perusahaan dan Indonesian Capital Market Directory (ICMD) perusahaan sektor perbankan yang terdaftar di BEI (Bursa Efek Indonesia). Populasi yang digunakan pada penelitian ini yaitu perusahaan yang memiliki laporan keuangan lengkap 3 tahun berturut, terdaftar pada BEI dan memiliki variabel yang diteliti. Metode pengambilan sampel sebanyak 39 perusahaan perbankan dengan jangka waktu 3 tahun. Teknik analisis yang digunakan adalah analisis regresi linier berganda dengan pengujian asumsi klasik menggunakan program SPSS Statistical Paskagerfor Social Science. Hasil penelitian ini secara parsial menunjukkan bahwa BOPO berpengaruh negatif terhadap ROA, LDR tidak berpengaruh terhadap ROA, CAR tidak berpengaruh terhadap ROA dan NPL tidak berpengaruh terhadap ROA, sedangkan secara simultan BOPO, LDR, CAR dan NPL berpengaruh terhadap ROA.","PeriodicalId":33079,"journal":{"name":"IFinance","volume":"47 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-07-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90999901","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}
Pub Date : 2021-07-18DOI: 10.19109/ifinance.v7i1.7912
Diky Satria, M. Mismiwati, Lidia Desiana, Siti Juairiah
This study aims to analyze and determine the effect of corporate governance on the performance of sharia maqhasid with intellectual capital as a mediating variable in Islamic Commercial Banks in Indonesia for the 2014-2018 period. The population in this study are Islamic Commercial Banks in Indonesia for the 2014-2018 period. The technique used is the annual report for the 2014-2018 period on 8 Islamic Commercial Banks. The type of data used is secondary data. The data analysis technique in this study used SPSS 21 software, which consists of descriptive statistical analysis, classical assumption test, multiple regression analysis, and mediation testing using the causal step and sobel test methods. By using multiple regression analysis, the results of this study indicate that corporate governance has a negative and significant effect on intellectual capital. Corporate governance does not affect the performance of sharia maqhasid. Intellectual capital has a negative and significant effect on the performance of sharia maqhasid. Then based on the results of the analysis using the casual step and sobel test method, intellectual capital mediates the effect of corporate governance on the performance of sharia maqhasid.
{"title":"Corporate Governance Terhadap Kinerja Maqashid Syariah Dengan Intellectual Capital Sebagai Variabel Mediasi","authors":"Diky Satria, M. Mismiwati, Lidia Desiana, Siti Juairiah","doi":"10.19109/ifinance.v7i1.7912","DOIUrl":"https://doi.org/10.19109/ifinance.v7i1.7912","url":null,"abstract":"This study aims to analyze and determine the effect of corporate governance on the performance of sharia maqhasid with intellectual capital as a mediating variable in Islamic Commercial Banks in Indonesia for the 2014-2018 period. The population in this study are Islamic Commercial Banks in Indonesia for the 2014-2018 period. The technique used is the annual report for the 2014-2018 period on 8 Islamic Commercial Banks. The type of data used is secondary data. The data analysis technique in this study used SPSS 21 software, which consists of descriptive statistical analysis, classical assumption test, multiple regression analysis, and mediation testing using the causal step and sobel test methods. By using multiple regression analysis, the results of this study indicate that corporate governance has a negative and significant effect on intellectual capital. Corporate governance does not affect the performance of sharia maqhasid. Intellectual capital has a negative and significant effect on the performance of sharia maqhasid. Then based on the results of the analysis using the casual step and sobel test method, intellectual capital mediates the effect of corporate governance on the performance of sharia maqhasid. \u0000 ","PeriodicalId":33079,"journal":{"name":"IFinance","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-07-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89625635","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}
Pub Date : 2021-07-16DOI: 10.19109/ifinance.v7i1.8434
Fredi Setyono, Yussufia Nur Azizah Istiqomah, Shila Ilmundhita, Abd. Mujib
This study aims to determine the efficiency of Islamic banking in the face of a pandemic at BRI Syariah, BJB Syariah, BCA Syariah and Bank Syariah Bukopin. This study uses quantitative data using secondary data from the monthly financial reports of Islamic banks for 2020 at BRI Syariah, BJB Syariah, BCA Syariah and Bank Syariah Bukopin. This study uses Data Envelopement Analysis (DEA). The variables in this study use the input variables of capital, assets, labor costs and output variables of musyarakah financing, mudharabah financing and distribution of income. The results showed that some banks initially experienced 100% efficiency and during the pandemic experienced inefficiency or experienced a decrease in efficiency. BRI Syariah must experience a decrease in efficiency (inefficiency) after the pandemic in June, July, August 2020 and November 2020 with the CRS model and the June-August 2020 VRS model. The lowest point for BRI Syariah for the CRS model is 98.70% and for the VRS model it is 99.10%. BJB Syariah must experience a decrease in efficiency (inefficiency) due to the pandemic in April 2020, decreased in the CRS in April 2020 and the VRS Model from August 2020 to November 2020. The lowest point for BJB Syariah for the CRS model is 97.00% and for VRS model at 97.80%. BCA Syariah from April 2020 to September 2020, for CRS and VRS models, it is known that there is a reduction in performance (inefficiency) from the target that should have been achieved. The lowest point for the BCA Syariah for the CRS model is 94.80% and for the VRS model it is at 95.50%. March 2020 to November 2020 Bank Syariah Bukopin CRS and VRS models were ineffective due to the pandemic. Bank Syariah Bukopin's lowest point for the CRS model is at 95.50% and for the VRS model at 95.60%.
{"title":"Analisis Efisiensi Perbankan Syariah Pada Masa Pandemi Covid-19 Menggunakan Data Envelopment Analysis (DEA)","authors":"Fredi Setyono, Yussufia Nur Azizah Istiqomah, Shila Ilmundhita, Abd. Mujib","doi":"10.19109/ifinance.v7i1.8434","DOIUrl":"https://doi.org/10.19109/ifinance.v7i1.8434","url":null,"abstract":"This study aims to determine the efficiency of Islamic banking in the face of a pandemic at BRI Syariah, BJB Syariah, BCA Syariah and Bank Syariah Bukopin. This study uses quantitative data using secondary data from the monthly financial reports of Islamic banks for 2020 at BRI Syariah, BJB Syariah, BCA Syariah and Bank Syariah Bukopin. This study uses Data Envelopement Analysis (DEA). The variables in this study use the input variables of capital, assets, labor costs and output variables of musyarakah financing, mudharabah financing and distribution of income. The results showed that some banks initially experienced 100% efficiency and during the pandemic experienced inefficiency or experienced a decrease in efficiency. BRI Syariah must experience a decrease in efficiency (inefficiency) after the pandemic in June, July, August 2020 and November 2020 with the CRS model and the June-August 2020 VRS model. The lowest point for BRI Syariah for the CRS model is 98.70% and for the VRS model it is 99.10%. BJB Syariah must experience a decrease in efficiency (inefficiency) due to the pandemic in April 2020, decreased in the CRS in April 2020 and the VRS Model from August 2020 to November 2020. The lowest point for BJB Syariah for the CRS model is 97.00% and for VRS model at 97.80%. BCA Syariah from April 2020 to September 2020, for CRS and VRS models, it is known that there is a reduction in performance (inefficiency) from the target that should have been achieved. The lowest point for the BCA Syariah for the CRS model is 94.80% and for the VRS model it is at 95.50%. March 2020 to November 2020 Bank Syariah Bukopin CRS and VRS models were ineffective due to the pandemic. Bank Syariah Bukopin's lowest point for the CRS model is at 95.50% and for the VRS model at 95.60%.","PeriodicalId":33079,"journal":{"name":"IFinance","volume":"142 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-07-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"77443594","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}
Pub Date : 2021-07-13DOI: 10.19109/ifinance.v7i1.8419
Periansya Periansya, Dendy Pratama, Rosi Armaini
This research is intended as an effort to analyze the budget performance of Regional Apparatus Organizations in South Sumatra Province with a value for money concept approach. This study consisted of the dependent variable, namely the performance of the regional apparatus organization budget, while the independent variable consisted of transparency, accountability, and supervision. The data used in this research is the result of distributing questionnaires to selected respondents in 21 Regional Apparatus Organizations. The sample selection technique used purposive sampling, while the data analysis technique used multiple linear regression. The results of the analysis and discussion of hypothesis testing show that partially transparency, accountability, and supervision have a positive and significant effect on-budget performance, including simultaneously also showing a positive and significant effect on-budget performance, but it is necessary to increase budget performance, this shows that the R2 value is 0.446. or 44.6%.
{"title":"Analisis Kinerja Anggaran Pemerintah Provinsi Sumatera Selatan Dengan Pendekatan Konsep Value For Money","authors":"Periansya Periansya, Dendy Pratama, Rosi Armaini","doi":"10.19109/ifinance.v7i1.8419","DOIUrl":"https://doi.org/10.19109/ifinance.v7i1.8419","url":null,"abstract":"This research is intended as an effort to analyze the budget performance of Regional Apparatus Organizations in South Sumatra Province with a value for money concept approach. This study consisted of the dependent variable, namely the performance of the regional apparatus organization budget, while the independent variable consisted of transparency, accountability, and supervision. The data used in this research is the result of distributing questionnaires to selected respondents in 21 Regional Apparatus Organizations. The sample selection technique used purposive sampling, while the data analysis technique used multiple linear regression. The results of the analysis and discussion of hypothesis testing show that partially transparency, accountability, and supervision have a positive and significant effect on-budget performance, including simultaneously also showing a positive and significant effect on-budget performance, but it is necessary to increase budget performance, this shows that the R2 value is 0.446. or 44.6%.","PeriodicalId":33079,"journal":{"name":"IFinance","volume":"16 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-07-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90781204","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}
Pub Date : 2021-02-27DOI: 10.19109/ifinance.v6i2.5168
I. Ismaulina, Ayu Wulansari, Mira Safira
CAR variable is the most important indicator of bank health according to BI. CAR is influenced by NPF, ROA, BOPO, FDR. The problem is how partially the influence of NPF, ROA, BOPO, FDR on CAR in BSM from March 2012-March 2019? Do NPF, ROA, BOPO, FDR simultaneously affect CAR? The research method used is quantitative descriptive with SPPS analysis version 22. The results showed that the NPF value of t-count was 0.449 1,705 t-tables. BOPO value of t-itung 1.916> t-table 1.705. and FDR value t-count -2.969> t-table 1.705, and for the simultaneous test F count> F table (3.286> 2.98) with a significant value of 0.028> α = 5% (0.05). This means that there is a significant influence together between all the independent variables on the dependent variable in PT.BSM.
{"title":"Capital Adequacy Ratio (Car) dan Faktor-Faktor Yang Mempengaruhinya di Bank Syariah Mandiri (Periode Maret 2012 - Maret 2019)","authors":"I. Ismaulina, Ayu Wulansari, Mira Safira","doi":"10.19109/ifinance.v6i2.5168","DOIUrl":"https://doi.org/10.19109/ifinance.v6i2.5168","url":null,"abstract":"CAR variable is the most important indicator of bank health according to BI. CAR is influenced by NPF, ROA, BOPO, FDR. The problem is how partially the influence of NPF, ROA, BOPO, FDR on CAR in BSM from March 2012-March 2019? Do NPF, ROA, BOPO, FDR simultaneously affect CAR? The research method used is quantitative descriptive with SPPS analysis version 22. The results showed that the NPF value of t-count was 0.449 <t table 1.705, so that it received Ho1 so that it could be concluded that NPF had no effect on CAR at PT. BSM for March 2012-March 2019. While ROA, BOPO and FDR affect the CAR of PT. BSM. This can be seen from the value of each variable at the t-value higher than the t-table value. ROA t-count 2,262> 1,705 t-tables. BOPO value of t-itung 1.916> t-table 1.705. and FDR value t-count -2.969> t-table 1.705, and for the simultaneous test F count> F table (3.286> 2.98) with a significant value of 0.028> α = 5% (0.05). This means that there is a significant influence together between all the independent variables on the dependent variable in PT.BSM.","PeriodicalId":33079,"journal":{"name":"IFinance","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-02-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"84614062","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}
Pub Date : 2020-12-31DOI: 10.19109/ifinance.v6i2.6912
Abdullah Sahroni, Maftukhatusolikhah Maftukhatusolikhah
This research aims to discuss the increase in family income obtained by motorbike drivers in Palembang. The existence of a motorcycle taxi is one of the factors reducing the unemployment rate which will have an impact on increasing income and family welfare. Maqashid Shari'ah is used to see the impact of the phenomenon of increasing income on family welfare with five basic principles; hifz din, hifz nafs, hifz ‘aql, hifz mal and hifz nasab, with three levels of Daruriyyat, Hajiyyat and Tahsiniyyat. This research is a field research. This research is field research, the method used in this research was collaborative both qualitative and quantitative by distributed questionairre to respondents who became research's sample by some measurement cryterias with 5 assesment criteria and interview towards some informants to strenghten questionairre result. The technique of determining sample by using purposive sampling and analysis technique data questionairre by using quantitative descriptive and qualitative analysis with triangularltion approacment Magashid Suar'i. The result showed that there was an increasing income earned by the Gojek's drivers in Palembang city compare to other previous job before becoming a Gojek driver and also affecting family's prosperity
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Pub Date : 2020-12-31DOI: 10.19109/ifinance.v6i2.6624
Yanuar Pribadi
The study aims to analyze the preferences of millennials to invest in Sukuk instrument seen from investment risk factors (default risk, rate of return, liquidity), and sharia factors (financial activities according to sharia and avoiding ‘riba). Around 64 million Indonesian millennials are potential market for Sukuk market in the country. The research population were millennials who join the webinar of sukuk education for the millennial generation. Using the multiple linear regression analysis, the results indicated that risk factors and sharia factors had a positive effect both simultaneously and partially on the millennials preferences in Sukuk investments.
{"title":"Preferensi Generasi Milenial Untuk Berinvestasi Sukuk","authors":"Yanuar Pribadi","doi":"10.19109/ifinance.v6i2.6624","DOIUrl":"https://doi.org/10.19109/ifinance.v6i2.6624","url":null,"abstract":"The study aims to analyze the preferences of millennials to invest in Sukuk instrument seen from investment risk factors (default risk, rate of return, liquidity), and sharia factors (financial activities according to sharia and avoiding ‘riba). Around 64 million Indonesian millennials are potential market for Sukuk market in the country. The research population were millennials who join the webinar of sukuk education for the millennial generation. Using the multiple linear regression analysis, the results indicated that risk factors and sharia factors had a positive effect both simultaneously and partially on the millennials preferences in Sukuk investments.","PeriodicalId":33079,"journal":{"name":"IFinance","volume":"124 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"87964928","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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