23 research outputs found
Pengaruh Financing to Deposit Ratio (FDR), Dana Pihak Ketiga (DPK) dan Return On Asset (ROA) Terhadap Pembiayaan Musyarakah (Studi Kasus Bank Syariah Mandiri Periode 2010-2018)
Penelitian ini bertujuan untuk mengetahui pengaruh Financing To Deposit Ratio (FDR), Dana Pihak Ketiga (DPK) dan Return On Asset (ROA) terhadap pembiayaan musyarakah pada Bank Syariah Mandiri (BSM) dari tahun 2010-2018 baik secara parsial maupun simultan. Populasi dalam penelitian ini adalah perbankan syariah yaitu Bank Syariah Mandiri (BSM) tahun 2010-2018 sebanyak 32 diambil secara purposive sampling. Data yang digunakan menggunakan data sekuder yang diperoleh dari laporan keuangan triwulan Bank Syariah Mandiri (BSM). Metode yang digunakan penelitian ini adalah dengan menggunakan metode uji asumsi klasik dimana uji Asumsi Klasik ini terdiri dari empat uji yaitu uji Normalitas, uji Multikolinieritas, uji Heterokedastisitas dan uji Autokorelasi selain menggunakan uji Asumsi Klasik, dalam penelitian ini juga menggunakan uji dengan analisis data dari analisis regresi linier berganda serta menggunakan uji t atau uji parsial dan uji F atau uji secara simultan maupun bersama-sama. Pada penelitian menggunakan jenis data yang bersifat kuantitatif. Hasil penelitian menunjukkan bahwa variabel yang berpengaruh terhadap pembiayaan musyarakah adalah variabel Financing To Deposit Ratio (FDR) dengan nilai P-value sebesar 0,000 dimana nilai ini lebih besar dari 0,05 dan nilai thitung sebesar -4,916 dimana nilai ini lebih besar dari nilai ttabel yaitu 2,0484 dan Dana Pihak Ketiga dengan nilai P-value sebesar 0,000 dimana nilai ini lebih besar dari 0,05 dan nilai thitung sebesar 4,559 lebih besar dari nilai ttabel yaitu 2,0484 sedangkan variabel yang tidak berpengaruh terhadap pembiayaan musyarakah adalah variabel Return On Asset (ROA) dengan nilai P-value 0,428 dimana nilai ini lebih besar dari 0,05 dan thitung lebih kecil dari ttabel dimana nilai thitung sebesar 0,805 dan nilai ttabel sebesar 2,0484 . Secara simultan seluruh variabel yaitu FDR, DPK dan ROA secara bersama-sama berpengaruh terhadap pembiayaan musyarakah pada Bank Syariah Mandiri (BSM) tahun 2010-2018 dengan nilai signifikansinya sebesar 0,000 dimana nilai sig tersebut lebih kecil dari 0,05 sedangkan nilai Fhitung lebih besar dari nilai Ftabel dimana nilai Fhitung sebesar 25,160 sedangkan nilai Ftabel sebesar 2.95.
ABSTRACT
This study aims to determine the effect of Financing To Deposit Ratio (FDR), Third Party Fund (DPK) and Return On Assets (ROA) on Musyarakah financing at Bank Syariah Mandiri (BSM) from 2010-2018 either partially or simultaneously. Population in this research is syariah banking that is Bank Syariah Mandiri (BSM) year 2010-2017 as many as 32 taken by purposive sampling. Data used using sekuder data obtained from quarterly financial report of Bank Syariah Mandiri (BSM).
The method used in this research is using the classical assumption test method where the Classic Assumption test consists of four tests namely Normality test, Multicolinierity test, Heterocedasticity test and Autocorrelation test in addition to using Classic Assumption test, in this study also used the test with data analysis from analysis multiple linear regression and using t test or partial test and F test or test simultaneously or together. In the study using the type of data that is quantitative.
The result of this research shows that the variable that influences the musyarakah financing is the Financing To Deposit Ratio (FDR) variable with P-value value of 0,000 which is bigger than 0,05 and the value of t-count is -4,916 where this value is bigger than ttable 2.0484 and Third Party Funds with a value of P-value of 0,000 where this value is greater than 0.05 and tcount value of 4.559 is greater than the value of ttable is 2.0484 while the variable that does not affect the musyarakah financing is the variable Return On Asset (ROA) with a value of P-value 0.428 where this value is greater than 0.05 and t count is smaller than ttable where the tcount value is 0.805 and the value of ttable is 2.0484. Simultaneously all variables that are FDR, DPK and ROA together effect on musyarakah financing at Bank Syariah Mandiri (BSM) year 2010-2018 with a significance value of 0,000 where the value of sig is smaller than 0.05 while the value of Fcount is greater than Ftable value where the value of Fcount equal to 25,160 while Ftable value equal to 2.95
GOOD CORPORATE GOVERNANCE (GCG) DALAM PERBANKAN SYARIAH
This study is about good corporate governance is an increasingly crowded studied both in the acadimician and practiciant. With good corporate governance are applied consistently positive for the Islamic banks, due to the good corporate governance include things that are in line with Islamic law such as transparency, independence, accountability and responsibility.              Therefore good corporate governance will create a culture of superior companies, so that with the superior culture of what the objectives of the company will be more easily achieved. In addition, a culture of excellence will form a dynamic working atmosphere and professional.           Good corporate governance will also strengthen the system so that the function of leadership and organization will establish a value. If it will continue on an ongoing basis it will make a positive contribution that benefits the company, or Islamic banking. Trust will also be obtained both from internal and external company or Islamic banks
Analisis Komparasi Manajemen Risiko Pada Koperasi Syariah dI Kabupaten Boyolali
This study aims to determine the risk of what is on of financing in Islamic financial institutions in Boyolali especially sharia cooperatives and how to handle them. This research is a descriptive study using primary data obtained from interviews, excavation documentation and supporting information as well as a qualitative research.Mudaraba is a contract and products of Islamic institution. Mudaraba of financing is one of a number of financing in Islamic financial institutions that have a high risk. With such high risk need careful risk management so that losses can be minimized. Obviously the first step is what and how these risks are addressed. Based on the findings in the field of risk control is done in the first three stages, before financing, both when financing and the third is after financing.Keyword : financing, mudaraba,risk and retur
Analisis Likuiditas Berbasis Laporan Keuangan BRI Syariah Tahun 2013 – 2015
This study aims to examine the liquidity of financial ratios. Liquidity became quite urgent, because liquidity is the ability of a company to meet its obligations in the short term. It was often a problem in some companies or banks. Liquidity for year 2013-2015 BRI Syariah good enough because the current assets by current liabilities are divided proportionally, so that if there is no short-term obligations will be fulfilled by the ratio of current assets are quite liquid.Keywords: liquidity, financial ratios and financial performanc
ZAKAT DALAM MENDORONG PERTUMBUHAN EKONOMI DAN PENGENTASAN KEMISKINAN
This study aims to analyze empirically whether zakat has an impact on efforts to reduce the level of poverty. As the main problem faced by the Indonesian people is the problem of poverty. From several analysis results show that zakat can reduce the number and percentage of poor families, and reduce the depth and severity of poverty. The results revealed that the provision of productive zakat capital in the form of business capital has a positive impact and can reduce the poverty rate. Therefore, the provision of productive zakat in the form of venture capital can be continued and upgraded.In addition to the need to develop the distribution of zakat to micro small medium enterprises (SMEs) or group of joint ventures (KUBE) so that there is collaboration and synergy between individuals. Based on the results of the study there is a positive influence between the utilization of productive zakat programs LAZ An-Naafi 'Boyolali to income mustahiq. That income mustahiq influenced by the utilization of productive zakat with a large contribution of influence is 30.5%. This can be seen from the development of income and fulfillment needs mustahiq after following the program of productive zakat empowerment LAZ An-Naafi 'Boyolali which can also be used for venture capital
Analisis Rentabilitas Berbasis Laporan Keuangan BRI Syariah Tahun 2013–2015
This study aims to examine the profitability of financial ratios. Profitability became quite urgent, because the profitability is the ability of a company to generate profit with the capabilities of the BRI Syariah. It was often a problem in some companies or banks. Profitability for the Year 2013-2015 BRI Syariah good enough for the performance of this study dipenghujung BRI Syariah able to improve its financial performance either ROA, ROE, net income margin and operating expenses.Keywords: profitability, financial ratios and financial performance
PENGARUH INVESTASI TERHADAP PENYERAPAN TENAGA KERJA DI JAWA TENGAH TAHUN 2009-2013
This study aims to determine the effect of investment on employment in Central Java in 2009-2013. As it is known that investment plays an important role in the absorption of labor or can reduce unemployment. Thus with the increased investment hence the absorption of labor will also increase. The research method used in this research is quantitative research method. This research was conducted in Central Java. The test used is the instrument using the validity test. Methods of data analysis using multiple linear regression analysis, classical assumption test. The results of this study indicate that the increase can be explained by the regression equation is Y = 16595732.325 + 0.32 X. Where the constant is positive value of 16595732.325 indicates that if the investment variable is considered constant (0), then the value of labor absorption of 16595732,325 . Then the regression coefficient of the investment variable is 0.32, this means that if the investment is increased one unit, it will increase the labor absorption of 0.32
INTERNAL CONTROL, LEADERSHIP STYLE, AND WORK MOTIVATION OF EMPLOYEE PERFORMANCE AT PT KUSUMAHADI SANTOSA KARANGANYAR
This research discussed about the influences of internal control, leadership style, and work motivation on employee performance. This research aims to analyze the influences of internal control, leadership style, and work motivation on employee performance at PT Kusumahadi Santosa, Karanganyar. The research population is employees at PT Kusumahadi Santosa, Karanganyar. The method used to determine the sample is using technical solvents with several fixed criteria with a total amount of 92 samples. This research uses Statistical Product and Service Solutions (SPSS) version 25. The analysis method used is multiple linear regression analysis t test, F test and R2 test. Based on the analysis of the results, it is found that internal control has a significant effect on employee performance because its value is smaller than α = 0.05 that is 0.001 0,05.
Keywords: Internal control, leadership style, work motivation and employee perfomance
Pengaruh Pengetahuan, Kualitas Pelayanan, Produk, dan Religiusitas terhadap Minat Nasabah untuk Menggunakan Produk Simpanan pada Lembaga Keuangan Mikro Syariah
This study aims to examine the influence of knowledge, service quality, product, and religiosity on customers' interest in using savings products at BMT Amanah Ummah Gumpang Kartasura, Sukoharjo. In this study for independent variables are knowledge, service quality, product, and religiosity, while for the dependent variable in this study is the interest of customers using deposit products. This study uses a sample of 100 people with sampling using a random sampling method. This study uses quantitative methods and primary data using a questionnaire that must be answered by the respondent. Data analysis in this study used Multiple Linear Regression. The results of this study can be concluded based on the t test, the variables of knowledge and religiosity have an influence on the interest of customers using savings products. While service and product quality variables do not have an influence on customer interest by using deposit products. Based on the F test shows that the knowledge, quality of service, products, and religiosity simultaneously influence the interest of customers to use savings products at BMT Amanah Ummah Gumpang Kartasura, Sukoharjo
Pengaruh Pembiayaan Mudharabah, Musyarakah Dan Ijarah Terhadap Profitabilitas Bank Muamalat Indonesia
This study aims to determine the effect of mudharabah, musyarakah and ijarah financing on profitability at Bank Muamalat Indonesia 2010-2017, either partially or simultaneously. The population in this study is Bank Muamalat Indonesia. Sampling is done by purposive sampling with data period 2010-2017 from financial statements of Bank Muamalat Indonesia counted 32 data. The method used in this study is quantitative descriptive with the aim to get a picture of how much the structure of financing and its effect on the profitability of Bank Muamalat Indonesia. Data collection technique is done by documentation method which is done by collecting data through Bank Muamalat Indonesia website. The method of this research used multiple regression.The result of partial significance test (t-test), this research shows that mudharabah financing has no significant effect on profitability of Bank Muamalat Indonesia. While musyarakah financing negatively affects the profitability of Bank Muamalat Indonesia. Ijarah financing have no significant effect on profitability of Bank Muamalat Indonesia. While simultaneous significance test result (F-test) shows that mudharabah, musyarakah and ijarah financing jointly affect the profitability of Bank Muamalat Indonesia