Journal Of Sharia Banking最新文献

{"title":"The Effect of Mudharabah Financing and Musyarakah Financing on Profitability Ratios at PT. Bank BRI Syariah TBK Period 2012-2018","authors":"N. Sari, B. Gautama, Damri Batubara, Nando Pahrizal","doi":"10.24952/jsb.v1i1.4679","DOIUrl":"https://doi.org/10.24952/jsb.v1i1.4679","url":null,"abstract":"The background problem in this research is mudharabah financing and musyarakah financing experiencing fluctuations that are not followed by Return On Assets (ROA), which in accordance with the theory of increased financing, the Return On Assets (ROA) vice versa. The formula in this research is whether there is an influence of mudharabah financing and musyarakah financing on Return On Assets (ROA) at PT. Bank BRI Syariah TBK partially or simultaneously. This research is a quantitative descriptive study, the sample used as many as 36 samples with a purposive sampling design, data obtained through the website www.OJK.go.id testing in this study is to use the SPSS computer program Version 23. The results showed that partially there was the influence of mudharabah financing on Return On Assets (ROA) at PT. Bank BRI Syariah Tbk, and Musharaka financing shows that musyarakah financing partially influences Return On Assets (ROA) at PT. Bank BRI Syariah Tbk. With the results of the F test influential in the level of sig. So the hypothesis (Ha3) is accepted. So it can be concluded that simultaneously there is an influence between mudharabah financing and musyarakah financing on Return On Assets (ROA). While the R2square determination test is 33 percent while the remaining 67 percent is influenced by other factors not included in this study.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"18 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134441845","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}

{"title":"ANALYSIS OF THE ROLE OF THE MANINDO SIABU COOPERATIVE PARTNERS IN INCREASING THE INCOME OF COOPERATIVE MEMBERS (CASE STUDY IN SIMANINGGIR VILLAGE)","authors":"Anni Sofiyah, Kamaluddin Ritonga, Ihdi Aini, Ali Hardana","doi":"10.24952/jsb.v1i1.4683","DOIUrl":"https://doi.org/10.24952/jsb.v1i1.4683","url":null,"abstract":"Mitra Manindo Siabu Cooperative is the target place for the community's economic movement, where cooperation in it colors the Islamic values of the community's economic life. Community income is the development of Mitra Manindo Cooperative. The beginning of the establishment of the Mitra Mnaindo Cooperative was due to the desire to increase the income of each cooperative member who was actively involved in the operation of the cooperative, but in the last 5 years the members of the Mitra Manindo Cooperative have decreased, even though one of the factors that affect the income of members is the participation of the members of the cooperative itself. . The theory in this study is related to income theory, discussing the meaning of income and income functions. Cooperative theory discusses the meaning of cooperatives, cooperative management, cooperative legal basis, types of cooperatives, sharia cooperative principles, sources of cooperative funds, cooperative income. Role theory discusses the role of cooperatives in Indonesia, the role of sharia cooperatives, and the role of cooperatives in increasing income. This type of research is a qualitative research with descriptive methods that describe how what actually happened in the field with data collection techniques are interviews, observation and documentation directly in Simaninggir Village. The data used in this study are primary and secondary data. The data analysis carried out in this qualitative descriptive study was conducted by direct interviews by giving 8 questions to the informants totaling 20 people. Techniques for checking the validity of the data are: triangulation, using reference materials, and extending observations. The results of this study are the Mitra Manindo Cooperative has fulfilled its role as a financial institution, and has helped the Simaninggir Village community increase the income of members, especially members of the Mitra Manindo Cooperative by providing business capital assistance to cooperative members, and reducing the dependence of members on existing cooperatives in order to improve economic welfare. its members.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"15 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114458921","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}

{"title":"The Effect Of Inflation And The Amount Of Money Circulation On Return On Asset (Roa) In Sharia Commercial Banks Period 2011-2019","authors":"Ishak F. Ishak, Arbanur Rasyid, Abdul Nasser Hasibuan, Sulaiman Efendi","doi":"10.24952/jsb.v1i1.4743","DOIUrl":"https://doi.org/10.24952/jsb.v1i1.4743","url":null,"abstract":"The background of the problem in this study is the variable Return on Assets (ROA) in 2011-2019 at Islamic Commercial Banks. This fluctuating ROA is influenced by external factors such as inflation and the money supply. So that the formulation of the problem in this study is whether the inflation in circulation has an effect on ROA, whether the money supply affects ROA, and whether inflation and the money supply together have an effect on ROA. This study aims to determine the effect of inflation and the money supply on ROA in Islamic Commercial Banks for the period 2011-2019. This research is a quantitative research. The sample in this study used a saturated sampling technique. Using all of the population as a sample, we get 32 financial reports. The data analysis technique used time series from 2011 to 2019. Data processing used the SPSS version 22 application. The data analysis techniques used were statistical tests, classical assumptions, descriptive, normality test, multicollinearity test, heteroscedastical test, autocoleration test, hypothesis testing, multiple linear regression analysis, test the coefficient of determination. The results of the research (t test) show that the inflation variable has no effect on ROA and the money supply variable has a negative effect on ROA. Meanwhile, simultaneously (Test F) shows that the inflation variable and the money supply have a simultaneous effect on ROA. The datermination test (R2) in this study was 44,4% which was influenced by the variables in this study, while 55,6% was influenced by other variables that the researcher did not include in this study.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"12 5","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"113931928","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}

{"title":"Effect Of Service Quality And Employee Performance On Customer Satisfaction at PT. Pawnshop Pinang City Sharia Service Unit","authors":"A. Pratiwi, Muhammad Isa, Ali Hardana, Sulaiman Efendi","doi":"10.24952/jsb.v2i2.4944","DOIUrl":"https://doi.org/10.24952/jsb.v2i2.4944","url":null,"abstract":"Customer satisfaction is a level where the needs, desires and expectations can be met. This research is motivated by the lack of services provided by employees to customers so that there are some customers who are not satisfied. Inadequate employee performance so that there are multiple roles in carrying out tasks and become less than optimal. This study aims to determine the effect of service quality and employee performance at PT. Pawnshops of the Syariah Service Unit of the City of Pinang. The theories that support this research consist of understanding customer satisfaction, methods for measuring customer satisfaction, strategies to increase satisfaction, factors that affect satisfaction, understanding service quality, dimensions of service quality, understanding performance, employee performance indicators, factors that affect employee performance. The method used in this research is quantitative. Data collection techniques using a questionnaire.Sampling in this study using incidental sampling with a sample of 96 people. The tests used include descriptive analysis, instrument testing (validity test, reliability test), classical assumption test (normality test, multicollinearity test, autocorrelation test, heteroscedasticity test), hypothesis testing (R2 test, t test, F test), multiple linear regression analysis , assisted by the SPSS 23 program. The results of the partial study indicate that the service quality variable has a positive effect on customer satisfaction. Employee performance variable has no positive effect on customer satisfaction. Meanwhile, simultaneously the variables of service quality and employee performance have a positive effect on customer satisfaction. While the coefficient of determination (R2) test is obtained a value of 0,407 or 40,7%, this shows that the quality of service and employee performance on customer satisfaction is 40,7% .While the remaining 59,3% is influenced by other variables not included in this study.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"34 8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132954260","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}