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ANALISIS PENGARUH CAPITAL ADEQUACY RATIO (CAR), RETURN ON ASSETS (ROA), NON PERFORMING LOAN (NPL), DAN INFLASI TERHADAP LOAN TO DEPOSIT RATIO (LDR) 分析资本充足率(CAR)、资产收益率(ROA)、非履约贷款(NPL)和存贷比(LDR)的变化情况
Pub Date : 2024-02-18 DOI: 10.58223/icois.v4i2.255
Shinta Dwi Agustin, Achmad Sjamsuddin
This study aims to analyze the management of zakat, waqf and Islamic finance funds managed by Islamic banking. Where is the bank which is a place to collect funds from the community in the form of savings, then channeled back in the form of credit and others to the community. Provision of credit funds to the public can be measured through Loan To Deposit (LDR), where a ratio can indicate the ability of a bank to channel credit funds to third parties. Which can be carried out various tests in channeling bank funds to find out how the influence of CAR, NPL, ROA and inflation on LDR measurements. Then it can be seen from the results of LDR measurements that the form of distribution of CAR and NPL has a significant value to LDR. And then, for the measurement of ROA and inflation, it has no significant value to the LDR. Factors that influence the rise and fall of LDR may be due to the internal and external conditions of banking companies. Internal conditions can be reflected in the bank's financial indicators. The key indicators used in this study are CAR, ROA, NPL.  
本研究旨在分析伊斯兰银行管理的天课、宗教基金和伊斯兰金融基金的管理情况。银行是以储蓄形式从社区收集资金,然后以信贷和其他形式回馈社区的地方。向公众提供信贷资金可以通过贷存比(LDR)来衡量,贷存比可以表明银行向第三方提供信贷资金的能力。其中,可以对银行资金渠道进行各种测试,以找出资本充足率、不良贷款率、投资回报率和通货膨胀率对 LDR 测量的影响。然后,从 LDR 的测量结果可以看出,CAR 和 NPL 的分布形式对 LDR 有显著的影响。而对于投资回报率和通货膨胀率的测量,则对 LDR 没有显著影响。影响 LDR 涨跌的因素可能是银行公司的内部和外部条件。内部条件可以从银行的财务指标中反映出来。本研究使用的主要指标包括资本充足率、投资回报率和不良贷款率。
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引用次数: 1
PENGARUH PEMBIAYAAN MURABAHAH, MUDHARABAH, MUSYARAKAH TERHADAP ROA DI BANK UMUM SYARIAH 穆拉巴哈(Murabahah)、穆德哈拉巴(Mudharabah)和穆西亚拉卡(Musyarakah)融资对伊斯兰商业银行净资产收益率的影响
Pub Date : 2024-02-18 DOI: 10.58223/icois.v4i2.254
Ivon Novita Ramadhani, Norma Rosyidah, Ali Hamdan, Saifuddin Saifuddin
This research has the objective of discussing to find out the impact of murabahah receivables, mudharabah financing, and musyarakah financing on ROA as an asset in return for Islamic Commercial Banks in 2012-2022. This study used a descriptive method with a quantitative approach using the SPPS 26 tool. The research technique used a purposive side. Data taken annually from the Financial Services Authority (OJK) website. Data analysis used multiple linear regression analysis, t test (partial), and F test (simultaneous). The population of this study is all income and ups and downs of financing in the financial statements of Islamic Commercial Banks. While the sample used is in the form of annual financial reports which contain income from murabahah receivables, Mudharabah financing and musyarakah financing at Islamic Commercial Banks in 2014-2022. The results of the (partial) test are that the three variables murabhah, mudharah, and musyarakah have no effect on the ROA variable. Whereas in the F test (simultaneous) of the three variables murabhah, mudharabah, and musyarakah there is no significant effect on the ROA of Islamic Commercial Banks 2014-2022.
本研究旨在探讨 2012-2022 年伊斯兰商业银行应收穆拉巴哈(murabahah receivables)、穆德哈拉巴(mudharabah)融资和穆西亚拉卡(musyarakah)融资对作为资产回报的投资回报率的影响。本研究采用描述性方法,使用 SPPS 26 工具进行定量分析。研究技术采用了目的性方法。数据来自金融服务管理局(OJK)网站的年度数据。数据分析采用了多元线性回归分析、t 检验(部分)和 F 检验(同时)。本研究的研究对象是伊斯兰商业银行财务报表中的所有收入和融资起伏。所使用的样本形式为年度财务报告,其中包含 2014-2022 年伊斯兰商业银行的穆拉巴哈应收账款、穆德哈拉巴赫融资和穆西亚拉卡融资收入。部分)检验的结果是,穆拉巴哈、穆德哈拉和穆西亚拉卡这三个变量对投资回报率变量没有影响。而在对穆拉巴赫、穆德哈拉和穆西亚拉卡三个变量的 F 检验(同时)中,对 2014-2022 年伊斯兰商业银行的投资回报率没有显著影响。
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引用次数: 0
Al-'Aqlu wa al-Hikmah fi al-Qur'an al-Kareem wa al-Sunnah al-Nabawiyah Al-'Aqlu wa al-Hikmah fi al-Qur'an al-Kareem wa al-Sunnah al-Nabawiyah
Pub Date : 2024-01-11 DOI: 10.58223/icois.v4i2.278
Mohammed Abdul Razaq Hamad
The most honorable thing that researchers present in their research is what is in the service of the Great Qur’an and its glorious and bright sciences and the goal that it strives to achieve. Given that, I found in myself an urgent desire for his book (Wisdom and Reason in the Holy Qur’an), so it was the lost thing that I was seeking, so I decided to do this research. I seek help from the Most Gracious God, relying on Him, asking God Almighty to help me complete this effort. The research has been divided into an introduction and three sections. The first topic: Defining wisdom and reason in language and terminology. The second topic: Wisdom in the Qur’an and the Sunnah of the Prophet. The third topic: The mind. In the Qur’an and the Sunnah of the Prophet.
研究人员在其研究中提出的最光荣的事情,就是为伟大的《古兰经》及其光辉灿烂的科学和努力实现的目标服务。有鉴于此,我发现自己对他的著作(《古兰经》中的智慧与理性)有一种迫切的渴望,因此,这是我正在寻找的失落之物,所以我决定进行这项研究。我向最仁慈的真主寻求帮助,依靠他,祈求万能的真主帮助我完成这项工作。研究分为导言和三个部分。第一个主题用语言和术语定义智慧和理性。第二个主题:古兰经》和先知圣训中的智慧。第三个主题:心灵。古兰经》和先知圣训中的思想。
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引用次数: 0
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ICoIS: International Conference on Islamic Studies
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