Ikonomika Jurnal Ekonomi dan Bisnis Islam最新文献

{"title":"Analisis Konsep Nilai Uang Dalam Sistem Keuangan Syariah: Kajian Literatur","authors":"Luluk Latifah, Syaakir Sofyan","doi":"10.24239/jiebi.v5i1.142.1-17","DOIUrl":"https://doi.org/10.24239/jiebi.v5i1.142.1-17","url":null,"abstract":"Nilai uang dalam sistem keuangan merujuk pada daya beli atau kemampuan pertukaran suatu mata uang dalam lingkungan keuangan. Beberapa penelitian telah membahas kedua konsep ini, namun mereka bersifat teoritis dan kurang menganalisis dampaknya dengan pendekatan praktis dalam konteks sistem keuangan Islam. Penelitian ini bertujuan untuk menganalisis konsep nilai uang dalam sistem keuangan Islam. Metode yang digunakan adalah metode kualitatif dengan pendekatan studi literatur terkait sistem keuangan Islam. Hasil penelitian menyatakan bahwa mekanisme investasi menurut prinsip-prinsip Islam tidak sama dengan mekanisme konvensional yang merumuskan nilai waktu uang dalam bentuk bunga. Mekanisme investasi menurut sistem keuangan Islam didasarkan pada: a) harta harus berputar agar tidak menganggur, b) semakin sering berputar, harta akan berkembang, c) masa depan tidak pasti, dalam bisnis dapat menghasilkan keuntungan, kerugian, atau impas, d) hasil bisnis atau pengembalian bisnis di masa depan dapat diproyeksikan, e) hasil aktual tidak selalu sama dengan hasil yang diproyeksikan.","PeriodicalId":31744,"journal":{"name":"Ikonomika Jurnal Ekonomi dan Bisnis Islam","volume":"05 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"74774053","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 Impact of Service Quality and Word of Mouth on Purchase Decision on MSMEs","authors":"Octaviana Arisinta, Romiftahul Ulum","doi":"10.24239/jiebi.v5i1.147.68-81","DOIUrl":"https://doi.org/10.24239/jiebi.v5i1.147.68-81","url":null,"abstract":"The challenge of MSMEs to survive after Covid-19 is increasingly hard. Industry 4.0 has been taking over several jobs of human being. Even though, the MSMEs that survive and develop their business and adapt with technology and online platform is able to gain the attention of customer. The online platform for selling a product or service is currently in high demand due to ease of use and ease of payment. Therefore, company should provide best quality product, best service quality, and catchy promotion to gain the attention of consumer or customer. Moreover, there are few of study that investigate the WOM and service quality on purchase intention since service quality is investigating customer satisfaction in common while WOM is directly investigate it relationship with purchase intention. Therefore, this study is aimed to investigate the relationship of service quality and word of mouth on purchase decision partially and simultaneously. The method employs in this study is quantitative method with multiple regression analysis. The data of this study is primary data which obtained from the respondents directly through questionnaire. The result of this study partially, service quality has a positive significant relationship on purchase decision as well as WOM has a positive significant relationship on purchase decision. Meanwhile, simultaneously, service quality and WOM has a positive significant impact on purchase decision with level of relationship about 54.6%.","PeriodicalId":31744,"journal":{"name":"Ikonomika Jurnal Ekonomi dan Bisnis Islam","volume":"22 1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"78481041","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":"Leader Member Exchange dan Perceived Organizational Support: Kunci Mengatasi Job Insecurity Melalui Job Embeddedness Di Bank Muamalat","authors":"Santry Fadhilah Harahap, Muhammad Lathief, Ilhamy Nasution, Khairina Tambunan","doi":"10.24239/jiebi.v5i1.140.94-112","DOIUrl":"https://doi.org/10.24239/jiebi.v5i1.140.94-112","url":null,"abstract":"Bank Muamalat KCU Medan Baru Iskandar Muda menyediakan layanan keuangan. Ketidakamanan kerja dan keterikatan kerja menjadi masalah yang umum di antara karyawan, terlihat dari ketidaknyamanan mereka dalam bekerja, kurangnya semangat, dan kurangnya inisiatif dalam memenuhi tenggat waktu. Pertukaran antara pimpinan dan anggota di organisasi ini tidak memadai, ditandai dengan pembagian hierarkis, kurangnya pemahaman antara atasan dan bawahan, komunikasi yang tidak efektif, dan peluang promosi yang memihak individu yang dekat dengan pimpinan. Penelitian ini bertujuan untuk menguji dampak pertukaran antara pimpinan dan anggota serta dukungan organisasi yang dirasakan terhadap ketidakamanan kerja, dengan keterikatan kerja sebagai variabel mediasi di Bank Muamalat KCU Medan Baru Iskandar Muda, baik secara langsung maupun tidak langsung. Dengan pendekatan kuantitatif dan asosiatif, penelitian ini menggunakan teknik pengambilan sampel yang melibatkan semua 40 karyawan bank. Temuan menunjukkan bahwa pengaruh pertukaran antara pimpinan dan anggota serta dukungan organisasi yang dirasakan terhadap ketidakamanan kerja dimediasi oleh keterikatan kerja di Bank Muamalat KCU Medan Baru Iskandar Muda. Temuan penelitian mengungkapkan adanya pengaruh positif dan signifikan pertukaran antara pimpinan dan anggota terhadap ketidakamanan kerja, serta pengaruh serupa dari dukungan organisasi yang dirasakan. Selain itu, pertukaran antara pimpinan dan anggota menunjukkan pengaruh positif dan signifikan terhadap keterikatan kerja, sementara dukungan organisasi yang dirasakan berdampak positif dan signifikan terhadap keterlibatan karyawan","PeriodicalId":31744,"journal":{"name":"Ikonomika Jurnal Ekonomi dan Bisnis Islam","volume":"47 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"84186875","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":"Commentary on Indonesia philanthropy rank","authors":"Z. Abidin, Ani Cahyadi","doi":"10.36407/serambi.v5i2.962","DOIUrl":"https://doi.org/10.36407/serambi.v5i2.962","url":null,"abstract":"Indonesian philanthropy has experienced substantial turmoil since early 2020. The Doing Good Index 2020 survey raised Indonesia's position to 'Doing Okay' after several years in the 'Not Doing Enough' position.  This index includes indicators such as monetary donations, time contributions, and assistance to foreigners. Indonesia often ranks high on the indicators for contributing time and assistance to foreigners in this index. The question that arises from this ranking is whether it has anything to do with Islamic philanthropy? and whether the alleged misappropriation of charitable funds through various social and commercial activities will affect public confidence. This commentary focuses Strictly on the perspective of Islam and Indonesia in general in understanding philanthropy. \u0000  \u0000Public interest statements \u0000This brief provides practitioners and academics with information on the development of philanthropy in Indonesia during and after the COVID-19 pandemic and after the revelations of the ACT case. Regardless of trends and rankings, philanthropy helps raise social awareness of the problems and challenges faced by society. Philanthropy involves developing human values such as kindness, empathy, cooperation, and concern for others. \u0000  \u0000Article history \u0000Received: 6/1/2023 | Revised: 6/9/2023 | Accepted: 6/11/2023 | Online First: 6/12/2023","PeriodicalId":31744,"journal":{"name":"Ikonomika Jurnal Ekonomi dan Bisnis Islam","volume":"64 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"76650328","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":"DAMPAK RELOKASI PEDAGANG KAKI LIMA KE TERAS MALIOBORO YOGYAKARTA","authors":"Salsabilla Nathania DP, Karisma Wulan Sejati, Hilma A’yunina, Ambar Sari Dewi, Kanita Khoirun Nisa","doi":"10.21274/sosebi.v3i1.7562","DOIUrl":"https://doi.org/10.21274/sosebi.v3i1.7562","url":null,"abstract":"Abstrak: Penelitian ini bertujuan untuk mengetahui dampak sosial ekonomi relokasi pedagang kaki lima di Pedestrian Malioboro ke Teras Malioboro Yogyakarta. Relokasi pedagang tersebut dilakukan oleh Pemerintah Daerah Istimewa Yogyakarta sebagai salah satu strategi penataan Kawasan Malioboro, atau lebih dikenal dengan sumbu filosofis Yogyakarta. Pemindahan pedagang kaki lima ke kawasan terpadu ini diharapkan mampu memberikan kenyamanan dan keteraturan bagi pengunjung Kawasan Malioboro, sekaligus meningkatkan pendapatan bagi pedagang dan pemerintah Yogyakarta. Menggunakan pendekatan kualitatif, penelitian ini menyelidiki dampak relokasi bagi pedagang kaki lima (PKL) dengan melakukan wawancara dan observasi. Data dikumpulkan pada periode November 2022 untuk kemudian dianalisis dengan menggunakan teknik analisis tematik. Penelitian ini menemukan dampak positif dari relokasi PKL dari Pedestrian Malioboro ke Teras Malioboro yaitu tersedianya fasilitas umum yang memadai, keamanan yang terjamin, efisiensi waktu, dan kemudahan mobilitas pedagang. Namun, relokasi ini berdampak negatif bagi pedagang, khususnya terkait pendapatan yang menurun dibandingkan sebelum pindah. Selain itu, PKL di teras Malioboro terbukti mampu beradaptasi dengan kondisi baru, bahkan membuat aturan bersama untuk menghindari konflik.
 Kata Kunci:Relokasi; Pedagang Kaki Lima; Sosial Ekonomi; Teras Malioboro.
 
 Abstract: This study aims to determine the socio-economic impact of street vendors relocation at the Pedestrian Malioboro to Teras Malioboro, Yogyakarta. The relocation was carried out by the Yogyakarta Special Region Government as one of the strategies of Malioboro area arrangement, known as the philosophical axis of Yogyakarta. The purpose of this relocation to this integrated area is to provide comfort and order for visitors to the Malioboro area, as well as to increase income for traders and the Yogyakarta Government. Using qualitative research approach, particularly case study research method, this study investigates the impact of relocation for street vendors (PKL) by conducting interviews and observations. Data was collected in the period November 2022, followed by thematic analysis techniques. This study found some positive impacts on the relocation of street vendors from the Pedestrian Malioboro to Teras Malioboro, such as the availability of public facilities, guaranteed security, time efficiency, and ease of trader mobility. However, this relocation has had a negative impact on traders, especially regarding decreased income compared to before moving. Nonetheless, evidence showed that the street vendors on the Teras Malioboro were able to adapt with new conditions by formulating some rules to avoid conflict. Keywords: Relocation; Street vendors; Socioeconomic; Teras Malioboro","PeriodicalId":31744,"journal":{"name":"Ikonomika Jurnal Ekonomi dan Bisnis Islam","volume":"14 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135642504","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":"Encouraging employees' voice behavior through Islamic work ethics: The role of team cohesion","authors":"Achmadi Achmadi, Swarmilah Hariani, I. Mohammed","doi":"10.36407/serambi.v5i2.935","DOIUrl":"https://doi.org/10.36407/serambi.v5i2.935","url":null,"abstract":"The current study aims to open new insights into employee voice through religiosity and team cohesion approaches. Specifically, this study examines the effect of Islamic work ethics (IWE) as an antecedent of team cohesion and employee voice. The research model includes the intermediate and moderator roles of team cohesion to provide a more comprehensive insight into explaining the voice of employees through IWE. The data were collected from 227 university lecturers using a time-lagged approach; the model was analyzed with PLS-SEM. The analysis results confirmed all hypotheses where IWE is positively related to team cohesion and employee voice. Additionally, it has been demonstrated that team cohesion determines employee voice, mediation, and moderation in the relationship between IWE and employee voice. \u0000Public interest statement \u0000Employees can provide helpful information regarding work procedures, difficulties encountered, and areas for development. Companies may utilize their insights to identify current issues, examine their origins, and develop more efficient solutions by incorporating people in problem-solving and decision-making. This study offers new insights into studying employee voice through a religious approach (IWE) and team cohesion. \u0000Article historyReceived: 5/3/2023 | Revised: 5/28/2023 | Accepted: 5/28/2023 | Online First: 5/29/2023 \u0000 ","PeriodicalId":31744,"journal":{"name":"Ikonomika Jurnal Ekonomi dan Bisnis Islam","volume":"154 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-05-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"86230471","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 concept of al-Ujrah and how its adjustments during the Covid-19 period: An Islamic perspective","authors":"Marlya Fatira AK, M. Nasution, S. Sugianto, Suraya Binti Abd.Warif","doi":"10.36407/serambi.v5i2.841","DOIUrl":"https://doi.org/10.36407/serambi.v5i2.841","url":null,"abstract":"The purpose of this paper is to provide accurate and correct references to become a reference for creating policies that are fair for employees and safe for companies or employers—data collection techniques with literature studies and documentation. The study revealed that al Ujrah (wages) are payments or rewards, which can be goods, money, or other types of assets. Wages are given as an achievement for the results of a business or service provided by individuals. Payments (al-ujrah) are based on a work contract (contract), so adjustments to the mechanism and its implementation must also be carried out by deliberation and agreement between the workers and the employer, reflecting fairness and mutual understanding. \u0000Public interest statements \u0000This article describes the concept of al Ujrah in Islam, which is appropriate as a reference for problems faced by companies or entrepreneurs when experiencing economic difficulties, especially learning from the experience of financial difficulties when faced with the issue of the Covid-19 pandemic.  \u0000Article historyReceived: 1/14/2023 | Revised: 5/14/2023 | Accepted: 5/20/2023 | Online First: 5/21/2023 \u0000 ","PeriodicalId":31744,"journal":{"name":"Ikonomika Jurnal Ekonomi dan Bisnis Islam","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-05-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"86605800","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":"MINAT PEMUDA GAMPONG ALUE IE MIRAH DALAM BERWIRAUSAHA","authors":"Zaki Darmawan, Fakhurrazi Fakhurrazi","doi":"10.21274/sosebi.v3i1.7536","DOIUrl":"https://doi.org/10.21274/sosebi.v3i1.7536","url":null,"abstract":"Abstrak: Penelitian ini mengkaji tentang Minat Pemuda Gampong Alue Ie Mirah dalam Berwirausaha (Studi Kasus di Kecamatan Indra Makmur Kabupaten Aceh Timur). Penelitian ini berfokus pada faktor pendorong minat pemuda Gampong Alue Ie Mirah dalam berwirausaha serta upaya yang dilakukan untuk sukses. Teori yang digunakan pada penelitian ini yaitu teori motivasi perspektif McClelland. Penelitian ini menggunakan metode kualitatif dengan menggunakan pendekatan deskriptif. Hasil penelitian ini menunjukkan bahwa factor pendorong minat pemuda di Gampong Alue Ie Mirah dalam berwirausaha adalah (a), tempat tinggal di dalam pasar mendukung untuk membuka usaha; (b) keinginan memperoleh kesuksesan; (c) pemuda tidak ingin ketergantungan pada orang tua; (d) terbukanya lapangan pekerjaan; (e), keinginan mendongkrak perekonomian keluarga pada pemuda dari keluarga miskin; (f), dapat meningkatkan kepercayaan diri; (g), memberikan harta pribadi kepada pemuda; (g) adanya pengalaman bekerja. Strategi pemuda dalam mengembangkan usaha adalah (a), merencanakan usaha terlebih dahulu; (b) menyiapkan modal usaha; (c) menentukan lokasi usaha; dan (d) mengelola waktu usaha dan sekolah..
 Kata Kunci: Minat; Pemuda; Wirausaha
 
 Abstract: This research examines the interests of Youth Gampong Alue Ie Mirah in Entrepreneurship (Case Study in, Indra Makmur District, East Aceh district). This research focuses on factors driving youth interest in Gampong Alue Ie Mirah in entrepreneurship and effort made to succes. The theory used in this study is the McClelland perspective theory of motivation. This study uses a qualitative method using a descriptive approach. The results of this study indicate that the causes of youth in Gampong Alue Ie Mirah being interested in entrepreneurship are (a), housing in the market supports opening a business; (b) the desire to achieve success; (c) youth do not want to depend on their parents; (d) the opening of employ opportunities; fifth, the desire to boost the family economy for young people from poor families; (e), can increase self-confidence; (f), giving personal property to youth; (g) work experience. The youth strategy in developing a business is (a), planning the business beforehand; (b) preparing business capital; (c) determine the location of the business; and (d) managing business and school time.
 Keywords: Motivation; Youth; Entrepreneurs","PeriodicalId":31744,"journal":{"name":"Ikonomika Jurnal Ekonomi dan Bisnis Islam","volume":"32 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135473620","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":"PROGRAM SEDEKAH JELANTAH SEBAGAI TANGGUNG JAWAB SOSIAL DAN LINGKUNGAN PERUSAHAAN DALAM MENCAPAI TUJUAN PEMBANGUNAN BERKELANJUTAN","authors":"Aldi Syahrul Khunaivi, Herliana Rahmi MD, Kurniawan Rifola Agust Syahputra, Mutiara Adella Putri","doi":"10.21274/sosebi.v3i1.7538","DOIUrl":"https://doi.org/10.21274/sosebi.v3i1.7538","url":null,"abstract":"Abstrak: Minyak jelantah merupakan limbah rumah tangga yang berbahaya bagi lingkungan jika dibuang sembarangan, khususnya pada ekosistem darat maupun laut. Oleh karena itu, perlu intervensi dan tindakan nyatan untuk mengangani masalah tersebut sehingga dapat menekan atau mengurangi dampaknya. Penelitian ini bertujuan untuk mendeskripsikan peran perusahaan dalam upaya pelestarian lingkungan melalui program Tanggung Jawab Sosial dan Lingkungan (TJSL). Lebih lanjut, penelitian ini juga membahas kontribusi program TJSL perusahaan terhadap pencapaian tujuan pembangunan berkelanjutan (TPB). Penelitian ini menggunakan metode penelitian kualitatif-deskriptif, dengan wawancara mendalam dan studi literatur sebagai teknik pengumpulan data. Adapun unit analisis dari penelitian ini adalah Program Sedekah Jelantah, oleh PT. Kilang Pertamina Internasional (KPI RU II Dumai). Hasil penelitian menunjukkan bahwa program ini menggandeng berbagai kelompok masyarakat seperti Persatuan Wanita Patra (PWP), Kelompok Posyandu Sehati, dan Rumah BUMN (Badan Usaha Milik Negara). Program ini membantu pemerintah dalam mencapai tujuan pembangunan berkelanjutan, khususnya pada: (5) tentang Gender Equality, (8) tentang Decent Work and Economic Growth, (12) tentang Responsible Consumption and Production, (13) tentang Climate Action, (15) tentang Life on Land, dan (17) tentang Partnerships for the Goals.
 Kata Kunci: Minyak Jelantah; Tujuan Pembangunan Berkelanjutan; Tanggung Jawab Sosial dan Lingkungan Perusahaan; Pemberdayaan Masyarakat
 
 Abstract: Used cooking oil is a household waste that is harmful to the environment if it is disposed of carelessly, especially in terrestrial and marine ecosystems. Therefore, interventions and real actions are needed to deal with these problems so that they can suppress or reduce their impact. This study aims to describe the role of companies in efforts to preserve the environment through corporate social responsibility (CSR) programs. Furthermore, this study also discusses the contribution of the company's CSR program to achieving sustainable development goals (SDGs). This study uses a qualitative-descriptive research method, with in-depth interviews and literature studies as data collection techniques. The unit of analysis for this research is the Sedekah Jelantah Program, by PT. Kilang Pertamina Internasional (KPI RU II Dumai). The results of the research show that this program collaborates with various community groups such as the Patra Women's Association (PWP), the Sehati Posyandu Community, and Rumah BUMN (State Owned Enterprise). This program assists the government in achieving sustainable development goals, particularly in: (5) regarding Gender Equality, (8) regarding Decent Work and Economic Growth, (12) concerning Responsible Consumption and Production, (13) regarding Climate Action, (15) concerning Life on Land, and (17) on Partnerships for the Goals.
 Keywords: Used Cooking Oil; Sustainable Development Goals; C","PeriodicalId":31744,"journal":{"name":"Ikonomika Jurnal Ekonomi dan Bisnis Islam","volume":"222 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135286808","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":"ANALISIS PENGARUH PRODUK PEMBIAYAAN DAN RISIKO TERHADAP PROFITABILITAS BANK UMUM SYARIAH PERIODE 2014-2021","authors":"Arnandho Sandhi Pradana, Rendra Erdkhadifa","doi":"10.21274/sosebi.v3i1.6141","DOIUrl":"https://doi.org/10.21274/sosebi.v3i1.6141","url":null,"abstract":"Abstrak: Penelitian ini bertujuan untuk menelaah dampak pembiayaan Mudharabah, Musyarakah, Murabahah, Risiko Kredit dan Risiko Likuiditas atas Profitabilitas Bank Umum Syariah Periode 2014-2021. Profitabilitas merupakan suatu bagian penting bagi setiap perusahaan salah satunya pada perbankan. Sebab adanya profitabilitas yang baik tentu akan berdampak dan menjadi jaminan keberlangsungan hidup dari suatu perusahaan. Data diperoleh dengan mengakses laporan keuangan dan laporan triwulan melalui website masing-masing Bank Umum Syariah. Populasi penelitian ini yakni 14 Bank Umum Syariah yang tercatat di Bank Indonesia. Serta diperoleh sampel sebanyak 1 yakni Bank Muamalat Syariah. Selama menganalisisnya, peneliti mengunakan regresi linier berganda serta software instrumen statistik SPSS. Diperoleh hasil pengamatan dan analisis data yang telah dilaksanakan, dimana faktor pembiayaan musyarakah, mudharabah dan murabahah mempunyai dampak negatif namun tidak signifikan akan ROA. NPF secara parsial berdampak negatif signifikan akan ROA. FDR secara parsial berdampak positif signifikan akan ROA.
 Kata Kunci : Mudharabah; Murabahah; Profitabilitas; Risiko Kredit; Risiko Likuiditas
 
 Abstract: This study aims to examine the impact of mudharabah, musyarakah, murabahah financing, credit risk and liquidity risk on the profitability of Islamic Commercial Banks for the 2014-2021 Period. Profitability is an important pert for every company, one of which is banking. Because the existence of good profitability will certainly have an impact and be a guarantee for the survival of a company. Data is obtained by accessing financial reports and quartely reports through the website of each Islamic Commercial Bank. The population of this study is 14 Islamic Commercial Banks registered at Bank Indonesia. As well as obtaining a sample of 1, namely Bank Muamalat Syariah. During the analysis, the researcher used multiple linear regression and SPSS statistical instrument software. Obtained result of observations and data analysis that have been carried out, where the musyarakah, mudharabah and murabahah financing faktors have a negative but not significant impact on ROA. NPF partially has a significant negative impact on ROA. FDR partially has a significant positive impact on ROA
 Keywords: Mudharabah; Murabahah; Profitability; Credit Risk; Likuidity Risk","PeriodicalId":31744,"journal":{"name":"Ikonomika Jurnal Ekonomi dan Bisnis Islam","volume":"66 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135286809","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}