Analisis Pengaruh Inflasi, Nilai Tukar Rupiah, dan BI-Rate terhadap Harga Indeks Saham Syariah Indonesia

Islamic investment is experiencing an upward trend from year to year. Many investors are starting to look at Islamic stocks. One of the Islamic stocks in Indonesia is the Indonesian Sharia Stock Index (ISSI). Investors must have many careful considerations to invest. One of the factors that may influence stock prices is macroeconomic factors. This study aims to determine how macroeconomic variables in the form of inflation, the rupiah exchange rate against the dollar, and Bank Indonesia interest rates can affect the ISSI stock price. This study uses a quantitative data approach. The data is obtained from the Sharia Stock Index (ISSI) in the monthly period January 2016 to December 2018.Meanwhile, data analysis used Partial Least Square (PLS) with the help of WarpPLS. The results showed that inflation and the rupiah exchange rate had no effect on the ISSI stock price. while the BI rate has a significant negative effect on the ISSI stock price.

Faktor 5C dalam Pembiayaan Kepemilikan Rumah di Bank BJB Syariah Kantor Cabang Pembantu Rancaekek

This study aims to provide an overview of the procedure for submitting financing and the application of the 5C principle (character, capacity, capital, collateral, condition) in Bank bjb Syariah Rancaekek in financing iB Maslahah homeownership.This type of research is descriptive qualitative. Data collection techniques through observation, interviews, literature study, and documentation study. Data analysis used Miles and Huberman interaction.The research results show that the iB Maslahah home ownership financing in Islamic bank bjb has implemented the 5C aspect. However, of the five aspects, the dominant one taken into consideration is the character aspect. Analysis of character aspects is carried out through curriculum vitae, customer reputation in the work environment, conducting bank to bank information, looking for customer information in the neighborhood where he lives, looking at customer responsibilities, family circumstances, customer hobbies. Capacity is a slip or a detailed list of the customer's salary, other business fields owned, savings and current accounts related to the business carried out by the customer. Capital through the ownership status of the house where the previous customer lived, the type of transportation or vehicle the current customer has savings or savings owned. Collateral through collateral in the form of a house to be purchased by a customer with a loan from a bank. Condition through conjunctive conditions, government regulations, world political and economic situations, and other conditions that affect the market.

Pengaruh Pengetahuan Anggota dan Kreativitas Pengurus terhadap Partisipasi Anggota Koperasi Karyawan PT Indoneptune Rancaekek

Based on the results of the observation that this research is based on, which is the variability of participation by the member of Koperasi Karyawan PT. Indoneptune Rancaekek. The research aims to determine how the effect/influence of member’s knowledge on member’s participation, to determine the impact of management’s creativity on member participation, also to verify the impact of the member’s knowledge and management’s creativity instantaneously on the member’s participation as a whole on the members of Koperasi Karyawan PT. Indoneptune Rancaekek. This is an associative quantitative type of research. The type where the data is a primer and uses a form of observation, interviews, literature study and questionnaires as its techniques to collect the data from. While using a random sampling technique out of 86 people from 591 members. The results shown that there are no significant effect/influence between the member’s knowledge and the member participation, with t test result where tcount < ttable (0,948 < 1,66342). Meanwhile there was significant result concerning the influence between the management’s creativity and the participation of the members, with tcount > ttable (-4.060> 1.66342). Simultaneously there was a significant spike of impact/influence between the member’s knowledge and the management’s creativity on the members participation of Koperasi Karyawan PT. Indoneptune Rancaekek using the F test where the Fcount > Ftable (8.151 > 2.37).

Perbedaan NPF dan FDR Bank Muamalat antara Sebelum dan Selama Pandemi Covid-19

This research was conducted to analyze and describe the NPF and FDR ratio of Bank Muamalat Indonesia between before and during the Covid-19 pandemic. The method used in this research is quantitative with research data in the form of secondary data. The data were collected using the documentation method and analyzed using the descriptive statistic and independent sample t-test. The results of the study state that the NPF and FDR value of Bank Muamalat Indonesia was differ between before and during the Covid-19 pandemic, although not statistically significant. The difference in terms of NPF indicates that the financing risk faced by Bank Muamalat Indonesia during the pandemic period is greater. The difference in terms of FDR indicates the existence of prudence from banks in distributing financing to the public because the business situation is not conducive during the Covid-19 pandemic.

Pengaruh Likuiditas terhadap Profitabilitas Melalui Efisiensi Operasi Bank Umum Syariah di Indonesia

This study aimed to find out the direct influence of liquidity variables on profitability and its indirect influence through variable operating efficiency. Liquidity is proxied with FDR, profitability with ROA, while operating efficiency with BOPO. Path analysis methods are used to analyze the direct or indirect influence of the variables studied. The data used is secondary data of Sharia commercial bank statements in OJK Sharia banking statistics from 2016 to 2020. The results showed that directly the level of liquidity has no significant effect on profitability. Whereas indirectly, through operating efficiency, the level of liquidity has a significant effect on profitability.

Pengaruh Pembiayaan Mudharabah dan Pembiayaaan Musyarakah terhadap Laba Bersih Bank Syariah

The financing income at Bank Syariah Mandiri is increasing every year and the higher the interest of the customers to carry out mudharabah financing and musyarakah financing at Bank Syariah Mandiri which will certainly make a big contribution to the bank's income. The author wants to know more about the effect of mudharabah financing and musyarakah financing on the net profit of an independent Islamic bank. The method used is a quantitative approach, using Bank Syariah Mandiri monthly financial report data for the 2017-2019 period and the number of financial reports of 36 months. The technique for selecting samples uses saturated sampling where all populations are sampled. The analysis technique uses multiple regression analysis using the SPSS 21 application.The results obtained from this study simultaneously are that there is an influence between mudharabah financing, musyarakah financing on the net profit of independent Islamic banks and partially mudharabah financing has a negative effect of 0.248 and is significant on bank net income. Syariah Mandiri and Musyarakah financing have a positive and significant effect on the net profit of Mandiri Islamic Banks.

Analisis Kepatuhan Syariah pada Bank Syariah: Studi Kasus Bank Pembiayaan Rakyat Syariah

Sharia compliance is the adherence of Islamic banks to Islamic rules or laws in muamalah and is one of the factors that differentiate it from conventional banks. Therefore sharia compliance is a fundamental principle in Islamic banking practices. Muamalah law, especially the economy, has a high degree of difference, so the sharia compliance standards in Indonesia refer to the Fatwa of the National Sharia Council-Indonesian Ulama Council (DSN-MUI). This study aims to analyze the practice of sharia compliance in Islamic Rural Banks (BPRS) in Indonesia. The data analyzed is the assessment of the Sharia Supervisory Board (DPS) on the practice of BPRS for five years. The sample distribution covers all regions of Indonesia with 24 units of analysi with 46 respondenss. The data analysis used quantitative descriptive analysis and compared it with the DSN-MUI fatwa. This study's results indicate that the level of compliance with Islamic rural banks in Indonesia is, on average, excellent. Other findings show that, when viewed from the contract's practice, financing with a musyarakah contract has the highest level of sharia compliance compared to separate agreements. Meanwhile, the lowest sharia compliance is in the murabahah contract. This condition is influenced because Islamic banks often use the murabahah bil wakalah contract. The weakness of this contract lies in the procurement of goods by customers, often not accompanied by proof of purchase.

Analisis Pembiayaan Murabahah dan Solusi Permasalahannya pada BMT Rizky Barokah Cabang Talun Magelang

The murabahah finance is sell and buy transaction which is seller acknowledge selling price and buyer pay to the seller as much as the price plus margin that being approved. Sometimes on going murabahah finance promise found obstacles and resistance being faced bank or debtor party. There for, we want to study more deep about murabahah finance in BMT RIzky Barokah as a research object. The research aims to analysis of the operation of murabahah finance, analysis of murabahah operation in KSPPS BMT Rizky Barokah with Fatwa Dewan Syariah Nasional (DSN MUI), and analysis of member perception of KSPPS BMT Rizky Barokah about murabahah finance. This type of research is qualitative research with data analysis techniques, namely data reduction, data display, and conclusion drawing and verification. The result is found conclusion that is process of operationalization of murabahah finance in KSPPS BMT Rizky Barokah different based on object of goods in the murabahah promise. There is a goods that have facilitated by BMT is motor-bicycle but there is have another goods that proxies by another party for the procuration. The execution of murabahah finance promise in Rizky Barokah has appropriate to the commandment and requirement of murabahah and appropriate with fatwa provisions DSN-MUI No. 04/DSN-MUI/IV/2000 about murabahah finance.

Determinan Return On Asset Bank BRI Syariah Periode 2015-2019

The level of BRISyariah Capital Adequacy Ratio (CAR) for the period 2015-2019 is already in the very healthy category (above 12%), while the level of Financing to Deposit Ratio (FDR) is still in a fairly healthy category (around 85%), the ratio of Operating Costs to Operating Income ( BOPO) is in the unhealthy category (above 95%), as well as the level of Return On Assets (ROA), especially during 2019, is in the unhealthy category (below 0.5%). This study analyzes the influence of CAR, FDR, BOPO on ROA in BRISyariah. This research is a quantitative type with an associative approach. With secondary data in the form of published quarterly financial reports of BRISyariah for the period 2015-2019. Tests conducted to determine the relationship and influence between variables partially and simultaneously, multiple regression, coefficient of determination, t test and F test. The results of this study indicate that (1) there is a negative effect of CAR on ROA where the value of tcount>ttable (2.352>2.120) is on the negative side with R2 of 23.5%, (2) there is no effect of FDR on ROA where the tcount value is<ttable (-0,127<2,120) with R2 of 0.1%, (3) there is a negative effect of BOPO on ROA where the tcount>ttable (11,823>2,120) with the tcount on the negative side, while the R2 value is 88.8 %. (4) simultaneously there is a significant effect of CAR, FDR and BOPO on ROA with the results of Fcount>Ftable (331,743> 3,24) with a R2 value of 98.4%. The concluded that the risk of own capital (CAR) in high number and the more inefficient bank operations (BOPO), make ability the bank's is low to increase profits.

Pengaruh Literasi Keuangan dan Inklusi Mahasiswa UIN Sunan Gunung Djati Bandung Terhadap Penggunaan Sistem Financial Technology

This study aims to determine how much influence financial literacy and inclusion have on the use of the financial technology system. This research is motivated by the widespread use of financial technology among students. Financial technology helps to buy and selling transactions so that the payment system becomes more economical and efficient and remains active. The method used in this research is quantitative through a descriptive analysis approach. Data collection used questionnaires with research samples from UIN Sunan Gunung Djati Bandung. The results showed the effect of financial literacy, as evidenced by the usefulness indicators and linear ease indicators on the use of the financial technology system for students of UIN Sunan Gunung Djati Bandung. Respondents of 48% admit that literacy regarding the use of financial technology has been felt and is proven by the respondent's knowledge of financial technology, which can facilitate the process of business transactions or services. Also, research on the effect of inclusion is in line with the use of the financial technology system. Respondents of 70% admit that the development of financial technology at this time can be done to make online payments.