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Mahmud Al Chusairi

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2022 FEB Universitas Maritim Semarang

Financing is the main function and product of Islamic banking, namely the distribution of funds aimed at helping those in need, and if managed properly, can contribute significantly to Islamic banking income. However, in their distribution, funds carry many risks due to the uncertain and diverse nature of humans. This risk is reflected in the existence of loans that face problems that reduce the profits or profitability of Islamic banks. The purpose of this study is to explain the effect of Financing, Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR) on the profitability (ROA) of Bank Kaltimtara Syariah By including Financing, Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR) as the independent variable and profitability (ROA) as the dependent variable. This is a quantitative research with multiple linear regression analysis techniques. The population or research theme is the annual report of Bank Kaltimtara Syariah. A total of 9 samples were taken from the Bank Kaltimtara Syariah Quarterly Financial Report for the 2016-2018 period. Based on the test results, it is known that tcount = - 1.4 98 < t table = 1.8 3 3 Financing and NonPerforming Financing (NPF) both have no significant positive effect on Return On Assets (ROA). While the Financing to deposit Ratio (FDR) regression shows a significant influence on Profitability (ROA). The amount of tcount is 1.859 > ttable 1.833

Oktaviani, Neneng; Rengganis, Syakira Putri; Desmawan, Deris

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2022 FEB Universitas Maritim Semarang

The current problems of income inequality, slow economic growth, and other interrelated complexities are all directly linked to poverty. Finally, all nations must fight poverty in order to provide a recognized and prosperous life for their citizens. Therefore, the aim of this study is to ascertain how poverty will change in Central Java Province between 2017 and 2021 as a result of inequality in income distribution and economic growth. Using quantitative research techniques, this research. Inequality of Income Distribution, Economic Growth, and Poverty The Central Statistics Agency (BPS) of Central Java Province in 2017–2021 is a secondary data source with time series data. In addition, other methods were used to collect and analyze the data. and processed using SPSS 25.0 software. The results of this study indicate that the partial and simultaneous test results show that the Inequality of Income Distribution and Economic Growth does not have an insignificant effect on the Poverty Level. But secondly, when the correlation and determination tests were carried out, the results showed that the two independent variables had a relationship of 64.1% and an influence of 41.1% on the Poverty Level in Central Java Province for the 2017-2021 period.  

Dewi Nurmayangsari, Ratu; Nur Fadilla, Shalma; Desmawan, Deris

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2022 FEB Universitas Maritim Semarang

Community welfare is an indicator of developme t goals. In its implementation, economic development will be faced with various problems that can hinder the success of such development. One of the complex problems related to the prosperity of the population is poverty. High poverty can have an impact on the emergence of various other social problems. It is difficult to know the exact cause and how effective control is to reduce poverty in Pandeglang Regency. The use of analytical tools in this study was carried out to identify and determine specific problems as a factor in the occurrence of poverty in Pandeglang Regency. In addition, this analysis method will contain information about events that must be considered in the scope of poverty alleviation that occurred in Pandeglang district. The final part of this journal discusses the design of poverty control procedures in Pandeglang Regency in approximately five years. Finally, it is hoped that the final results of this research will be very important to prevent poverty in Pandeglang Regency. 

Pasaribu, Sanjiwan; Jalil Akbar, Abdul; Desmawan, Deris

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2022 FEB Universitas Maritim Semarang

The problem that almost every developing country faces is poverty, and Indonesia is no exception. The root of the problem of poverty is that people cannot live properly. This has an impact on the quality of human resources, thereby reducing productivity and lowering the income of the community itself. Community income, unemployment, health, education and environmental conditions are factors that influence the occurrence of poverty problems. The poverty rate in North Sumatra is still relatively high compared to other regions, but North Sumatra is not included in the 10 poorest areas in Indonesia. Analyzing the effect of HDI on poverty is the aim of this study. This study uses simple regression for the research method and is processed using the help of SPSS 26 software. Through this study it can be seen that HDI has a significant effect on poverty in North Sumatra.