Mutanaqishah: Journal of Islamic Banking

Bank Muamalat's Strategy of Branch Office of Tulungagung Regency in Facing Non Performing Financing

Dwi Astuti Wahyu Nurhayati — 2024-08-10

This study aimed at describing the strategy utilized by the Bank Muamalat Branch Office of Tuluangung regency to face problem financing. To address this concern, the researchers used a qualitative approach in the form of field research to conduct this study. In addition, observation, interviews, and documentation were used to collect data. According to the findings of this study, Bank Muamalat Branch Office of Tulungagung Regency's strategy for managing problem financing entails first contacting the customer to learn firsthand what circumstances are preventing him from making timely installment payments. The subsequent phase is intensive invoicing. The Bank will send a Statement Letter to the costomer if he fails to comply with his obligations. The Bank then carries out Restructuring by means of the three R's: Rescheduling, Reconditioning, and Restructuring. If a customer is unable to pay his loan obligations to the bank, the bank executes the customer's collateral.

Effect of Financing to Deposit Ratio, Net Operating Margin, and Current Ratio on Financial Performance of Sharia Commercial Bank in Indonesia and Malaysia Listed on The Stock Exchange in 2018–2023

Ridwansyah — 2024-10-19

This study aims to examine whether there is an effect of Financing to Deposit Ratio, Net Operating Margin and Curret Ratio on Financial Performance. The population in this study is Sharia commercial banks in Indonesia and Malaysia. The number of samples in this study as many as 30 samples. Sampling technique using purposive sampling method. The research method used is quantitative with data sources in the form of secondary data. Data analysis method using multiple linear regression analysis with Eviews 10. The results of this study provide empirical evidence that partially variable Financing to Deposit Ratio and Net Operating Margin affect Financial Performance. However, the variable Curret Ratio has no effect on Financial Performance. The results of this study give the implication that to improve a financial performance in Islamic commercial banks is Financing to Deposit Ratio and Net Operating Margin.

Determinants of Financial Sector Performance on Economic Growth of Sharia and Conventional Banks: Case Study in OIC Countries

Izzun Khoirun Nissa — 2024-11-13

This research aims to analyze the influence of financial sector developments on the economic growth of sharia and conventional banking in twelve Islamic countries during the 2015-2022 period. This research uses panel data to provide empirical estimates involving 12 Islamic countries during the 2015-2022 period. We collected secondary data from the World Bank. The study's results indicate that the variables of interest rate, total assets of conventional banks, financing, and total assets of Islamic banks do not significantly impact economic growth. Meanwhile, the deposit variable has a negative effect, and the number of Islamic banks has a positive effect on economic growth. In the meantime, examining the impact of the sharia financial sector on economic growth reveals that the financing variables and the number of sharia offices significantly boost economic growth. The variable total assets of Islamic banks have no effect on economic growth. This study fills a research gap by investigating determinants of financial sector performance on sharia and conventional banks.

The Influence of Current Ratio, Debt to Equity Ratio, and Return on Assets on Stock Prices of Companies Listed on Jakarta Islamic Index

Henni Lutfiana — 2023-11-17

This research aims to determine the factors that influence financial ratios on company share prices in the Jakarta Islamic Index (JII) for 2021 – 2023. This research is quantitative research using secondary data taken directly from the company’s financial reports on Bursa Efek Indonesia (www.idx.co.id). The number of samples in this research was 54 companies listed on the Bursa Efek Indonesia using a purposive sampling method, namely a method that determines certain criteria. To test this research, multiple regression analysis was used using SPSS 25 Software. The findings of this research indicate that the Current Ratio and Debt to Equity Ratio variables influence stock prices, whereas the Return on Assets variable does not impact stock prices. The research makes a significant contribution to understanding the relationship between financial ratios and stock prices, especially in the context of companies operating in the sharia sector.