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This research is entitled "Analysis Of The Effect Of Non Performing Financing, Financing to Deposit Ratio, Provision For  Elimination of Earning Assets and Cost of Operating income Against Profitability At KLKMS BTM Pemalang KC Randudongkal in 2019-2022“. The purpose of the study was to determine and analyze the effect of Non Performing Financing (NPF), Financing To Deposit Ratio (FDR), Provision for Removal of Earning Assets (PPAP), Operating Costs and Operating Income (BOPO) on Profitability. This study uses a saturated sample using a sample of 48 data. The tests in this study were carried out using descriptive analysis methods, normality tests, multicollinearity, heteroscedasticity, autocorrelation, linearity, multiple regression analysis, t test, f test and coefficient of determination. The results of this study indicate that the NPF variable (X₁) affects profitability (Y) the value of thitung ˂ ttabel (-5.433 ˂ 2.01290). The FDR variable (X₂) affects Profitability (Y) with a thitung  > ttabel (3.093 > 2.01290). PPAP variable (X₃) affects Profitability (Y) with a thitung ˂ ttabel (-2.847 ˂ 2.01290). BOPO variable (X₄) affects Profitability  (Y) with a thitung ˂ ttabel (- 3.625 ˂ 2.01290). NPF (X₁), FDR (X₂), PPAP (X₃), BOPO (X₄) variables have a significant effect together or as a whole on Profitability (Y) with a value of Fhitung > F tabel  (24.149 > 2.57) at LKMS Cooperative BTM Pemalang Randudongkal Branch Office in 2019-2022.

Recognizing zakat holds value in both the horizontal dimension, connecting Allah with humans, and the vertical dimension, connecting humans with one another, aligns with the principles that giving zakat, infaq, and sadaqah are integral to the obligations of the Muslim community. Efficient management of these allocated funds requires competent human resources to ensure that the financing reaches its rightful beneficiaries. This study investigates the phenomenon of human resources within zakat institutions based on the tasks and responsibilities carried out, which are notably complex. It underscores the influential role of human resources in the performance of zakat institutions. Human resources play a crucial role as professional assets for zakat administrators, adhering to specific standards. This writing aims to comprehend the strategic role of human resource management in zakat fund administration through a review of literature, legal regulations, and empirical evidence

Banking is one way to solve problems related to business finance. Banking is a place to provide financing to develop a business that is being worked on. According to the theory, Account Officers have an important impact on determining customers. The formulation of the problem in this study is How is the analysis of the role of the Account Officer in overcoming problematic financing at the BSI KCP Gatot Subroto bank? and How is the performance analysis of the Account Officer in overcoming problematic financing at the BSI KCP Gatot Subroto bank? This study uses a qualitative research method with a type of field study research. Data was collected through interviews, documentation and observation. The results of this study mention the role of the account officer in analyzing and processing financing applications at the BSI KCP Ponorogo bank including managing accounts, managing products, managing financing and managing sales by approaching debtors and the need for review at any time. The performance of the BSI KCP Gatot Subroto bank account officer in preventing problematic financing at the BSI KCP Gatot Subroto bank includes the financing application stage where the account officer gives time to prospective debtors to complete the requirements as a standard selection in financing, the financing proposal stage with reference to the selection of information obtained from existing social, the stage of providing financing facilities which shows that the account officer offers existing facilities based on the features of the selected prospective debtor, the financing stage which reviews the financing facilities by reviewing the financing facilities obtained by the prospective debtor or debtor. The efforts to resolve problematic financing at BSI KCP Gatot Subroto bank are financing restructuring which includes rescheduling.

Poverty is a long-standing problem across countries. Various kinds of efforts to alleviate poverty have been carried out by the government, of course with huge amounts of spending. The collection of funds to the society for social assistance financing can only be done through taxes and zakat. Research on the differences between tax and zakat has been widely conducted, so research on students' views on tax and zakat is needed to find out students' understanding of tax and zakat. This study used descriptive quantitative methods using data collection methods through questionnaire surveys. The results showed that new year college students who chose zakat more effectively or taxes were more effective in terms of poverty alleviation were almost balanced. However, data from BAZNAS and the Ministry of Finance shows that tax has more advantages in the amount of revenue it generates. In fact, several studies have shown empirical evidence that taxes are superior to zakat in terms of poverty alleviation. The results of this study can be used to improve the understanding of zakat and tax as poverty alleviation tools.

Sharia Microfinance is support given to clients who need resources as business capital or hypothesis. This help can give accommodation to MSMEs who need resources for increment sharia microfinancing to foster their associations. This examination expects to decide the effect of sharia support on expanding little and medium endeavors (MSMEs) in the town of Kp. Charge, Area Na-LX-X North Labuhanbatu Rule. The model in this appraisal is 50 MSME merchants. The data request strategy utilizes quick and prompt reiteration tests. The results of this test are: 1) The F esteem decided is 364.736 with a sig esteem. of 0.000 is more modest than the degree of significance utilized in this examination, to be exact 0.05 (0.000 < 0.05), then, at that point, Ho is dismissed and Ha is recognized, implying that the sharia subsidizing variable (X) affects business progress. MSMEs in the Town of Kp. Charge, Area Na-LX-X North Labuhanbatu Regime Labuhanbatu Na-LX-X Guidelines, and, 2) The impact of R Square is 0.934 or 93.4%. This implies that 93.4% of the variety in autonomous elements can figure out the reliant variable, particularly sharia support. In the mean time, the excess 6.6% was brought about by different factors not examined in this audit. The aftereffects of the assurance coefficient test (R2) actually intend that there are then again other autonomous variables that impact the advancement of MSMEs in Kp Town. Charge, Area Na-LX-X North Labuhanbatu Regime.

The purpose of writing is to determine the development of PT Bank Syariah Indonesia Tbk (BSI) financing in encouraging the growth of Micro, Small, and Medium Enterprises UMKM. The method applied in this research is a descriptive method with a qualitative descriptive research type, which utilizes a literature study approach. The data source used in this research is secondary data. The research results show that PT Bank Syariah Indonesia Tbk (BSI) gives a big priority to funding for the Micro, Small, and Medium Enterprises (UMKM) sector, which is a type of productive financing, namely IDR 41.91 trillion from the previous year in 2021 of IDR 39. 4 trillion. This is in line with the Indonesian Banking Architecture (API) framework, the pillars of which are to encourage a national banking structure through financial support for UMKM financing. However, if you look at the percentage development of PT Bank Syariah Indonesia Tbk (BSI) financing for UMKM, it has decreased, from 8.36% in 2021 to 6.37% in 2022. This shows that the financing channeled by bank mergers in PT Bank Syariah Indonesia Tbk (BSI) experienced a decline. Correspondingly, there are around 60 million UMKM in Indonesia. As many as 77.6 percent or 46.6 million of the 60 million UMKM have not had access to bank financing.

In this research the author tries to highlight the factors that influence the thinking model of the Islamic education system. For the author, the central issues are management, finance, quality and education. Apart from that, in this research the author used qualitative research methods. These approaches are described in more detail and classified according to research conditions. Apart from that, the author also uses library research methods. The results of this research show that: Educational financial management influences the quality of general education. The results of this research show that fund management is a process of optimizing existing funding sources, allocating existing funds and allocating them in the form of facilities and infrastructure to support the learning process in order to create a learning process that is much more effective, efficient and better. To achieve quality learning, education costs must be managed optimally and optimally. Therefore, educational financial management steps must be considered and made a top priority.

Banking is a financial institution that plays an important role in a country’s economy. One of the current economic developments in Indonesia is the emergence of sharia-based financial institution, one of which is sharia banking. Like the function of banking itself, namely as an intermediary between people who need capital and people who have excess capital. One of sharia banking services is financing, namely the distribution of money by banks to costumers who need working capital. The bank provides capital to customers as business capital whose business result are calculated from the results according to the agreement. But in reality, it is not uncommon for customers to fail to pay for this financing. One of the reasons for the cessation of funding itself is the possibility of worsening business conditions. To minimize the risk of bad financing itself, banks must be able to make clear rules. In this article, Bank SUMUT Syariah Karya Rantau Prapat discusses various strategies for dealing with bad financing.

A company's success or failure is determined by the strategy, theory and marketing management applied. This research was conducted to find out what marketing strategies for easy mudharabah savings products are used by Bank Syariah Indonesia KCP Medan Juanda to increase the number of customers. This research uses descriptive qualitative analysis methods, using primary data, namely the researcher took data directly by interviewing the Marketing Funding BSI KCP Medan Juanda and secondary data secondary data obtained from documents, scientific journals, books and literature related to the research problem. The results obtained were that BSI carried out a marketing strategy, one of which was by implementing the 4p marketing mix, namely (product, price, promotion, place). BSI must be able to estimate strategic locations, collaborate with other agencies, expand market share, improve quality and innovate.    

Financial institutions have played a very large role in the development and growth of modern industrial society. BMT is included in the Sharia Financial Institutions which are operated on the principle of profit sharing, trying to grow and develop micro, small and medium enterprises, in order to raise the level and dignity and defend the interests of the poor. The aim of this research is to determine the role of BMT in empowering micro businesses and the potential of businesses financed at Baitul mal wa tamwil (BMT) to develop economic activities so that they provide positive, prosperous and of course more independent results. This research is qualitative research with a descriptive research type, and the research data is taken from first-hand data, namely customer perceptions and second-hand statements that can be trusted. Data collection techniques include interviews, observations and information from books, articles, journals and theses. Research findings show that BMT plays an important role in empowering micro businesses by providing financing in accordance with sharia and cooperative work operational agreements. That way, MSMEs will become more advanced and able to absorb workers, which of course will help a lot in economic development and alleviating poverty due to reduced employment opportunities.

The purpose of this research is to determine the influence of Islamic Spirituality and Work Ethics on Organizational Commitment by examining Job Satisfaction as a mediating variabel on Employees of the Financial Services and Insurance City in West Java. This research is quantitative using primary data. Data analysis was carried out using 100 questionnaires processed with SPSS 27 which showed that Job Satisfaction (Z) was able to mediate the influence of Islamic Spirituality (X1) and Work Ethics (X2) on Organizational Commitment (Y). There is a limitation in this research which is the proportion of the number of research samples. which is less evenly distributed in workplace locations which are still centered in Greater Bandung and employment sectors which are still centered in Conventional Commercial Banks, Rural Banks and Other Financing Institutions. The nature of employees in the Financial Services and Insurance Sector required them to comply with lots of ethical standards. Therefore, Islamic Spirituality and Work Ethics need to be facilitated and encouraged to increase Job Satisfaction which has an impact on Organizational Commitment in a way to achieve organizational purposes.

The aim of this research is to understand how the principal's management is implemented in improving the quality of education at SMK Negeri 1 Siborongborong. The type of research used in this research is a qualitative descriptive research method using observation, interview and documentation techniques. The main subject of this research is the school principal and the sources of information supporting this research are teaching and educational staff, committees and students. Data analysis techniques use data reduction, data presentation, and drawing conclusions. The findings of this research found that the implementation of school principal management to improve the quality of education at SMK Negeri 1 Siborongborong was through planning and preparing work plans as well as preparing the school's vision, mission and goals. Furthermore, the school principal's efforts to improve the quality of education are carried out, such as grouping the tasks of each teacher and employee according to their abilities and expertise. Apart from that, in carrying out the process of improving the quality of education, the principal mobilizes the resources available at the school by providing encouragement and motivation in implementing each activity. Finally, in terms of achieving educational quality, school principals routinely carry out evaluation activities and make improvements so that the quality of education becomes better. Therefore, school principal management in improving the quality of education can support the realization of eight national education standards, namely content standards, process standards, graduate competency standards, teacher and teaching staff standards, facility and infrastructure standards, and management standards. standards, financing criteria and evaluation criteria, educate.

The aim of this research is to understand how the principal's management is implemented in improving the quality of education at SMK Negeri 1 Siborongborong. The type of research used in this research is a qualitative descriptive research method using observation, interview and documentation techniques. The main subject of this research is the school principal and the sources of information supporting this research are teaching and educational staff, committees and students. Data analysis techniques use data reduction, data presentation, and drawing conclusions. The findings of this research found that the implementation of school principal management to improve the quality of education at SMK Negeri 1 Siborongborong was through planning and preparing work plans as well as preparing the school's vision, mission and goals. Furthermore, the school principal's efforts to improve the quality of education are carried out, such as grouping the tasks of each teacher and employee according to their abilities and expertise. Apart from that, in carrying out the process of improving the quality of education, the principal mobilizes the resources available at the school by providing encouragement and motivation in implementing each activity. Finally, in terms of achieving educational quality, school principals routinely carry out evaluation activities and make improvements so that the quality of education becomes better. Therefore, school principal management in improving the quality of education can support the realization of eight national education standards, namely content standards, process standards, graduate competency standards, teacher and teaching staff standards, facility and infrastructure standards, and management standards. standards, financing criteria and evaluation criteria, educate.

Economic life cannot be separated from the important role of the financial services sector in general and banking in particular. It is through this media that the aim is to realize a healty economy by empowering existing funds or investment potential in the community which can be channeled into various productive activities so that healthy economic growth can be achieved and avoid usury. There are several financing products such as mudharabah, ar-rahn, and qardhul hasan. Baitul Maal Wat-Tamwil to provide financing to small businesses cannot possibly be replaced by sharia banks, because it is impossible for sharia banks to operate in small scale financing, while the community needs small capital. The purpose of this study was to determine the effect of knowledge the intention to use murabahah financing in the Baitul Maal Wa-Tamwil Al-Ishlah, Jambi City, to determine the effect of public perceptions on yhe interest in using murabahah financing in the Baitul Maal Wat-Tamwil Al-Ishlah, Jambi City, and to determine the influence of public knowledge and perceptions of interest in using murabahah financing in Baitul Maal Wat-Tamwil, Jambi City. This research is a quantitative research, collecting data using questionnaires and questionnaires. The sampel for this research was the local community in RT 19, Simpang IV Sipin Subdistrict, Telanaipura District, Jambi City, totaling 86 peole. The reseacrh results show that the variables of knowledge and public perception influence interest in using murabahah financing. The results of calculating the coefficient of determination show that the variables of knowledge and public perception are 76,9% and 23,1% influenced by other variables outside this reseach.  

This research aims to describe the application of the precautionary principle in dealing with bad credit and to determine the assessment in providing financing to PT. BSM Kcp Script. This type of research is descriptive qualitative, data collection techniques use interviews and documentation, data analysis uses qualitative data analysis techniques using inductive thinking, and this research data uses primary data sources obtained from supporting sources, namely books, the internet and literature. other. PT. BSM Kcp Aksara has applied the precautionary principle in bad credit using the 5C principle analysis, which includes Character, Capacity, Capital, Condition and Colliteral as well as producers that customers must go through in submitting financing applications, providing financing, paying financing installments and obstacles to bad credit. . The results of this research, PT. BSM Kcp Aksara in implementing the principle of prudence in the financing that has been carried out is not good enough, BSM provides financing by emphasizing the 5C principle which includes Character, Capacity, Capital, Condition and Collateral. The important thing in providing financing to customers is Collateral (Guarantee). Judging from the results of customer data, the 5C principle has not been able to completely prevent bad credit due to the Account Office (AO) being less careful in analyzing financing. However, BSM's consistency in handling problematic financing customers has been carried out according to producers by collecting them periodically and providing warning letters I, II and III in stages.  

This study aims to analyze the effect of inflation, financing to deposit ratio (FDR), and operational efficiency on return on assets (ROA) in the financial sector. ROA is an important performance indicator for financial companies, because it reflects the level of profitability of the assets owned. The research method used is regression analysis with annual data from various financial companies during the study period. Inflation is measured using the consumer price index (CPI), FDR describes the ratio between loans provided by banks and deposits received from customers, and operational efficiency is measured by the ratio of operating costs to operating income. The results of this study provide useful insights for the management of financial companies in facing challenges from economic and operational factors. To increase ROA, companies need to consider effective inflation risk management strategies and optimize the FDR ratio, while still focusing on improving their operational efficiency.

The purpose of this study was to determine the supporting and inhibiting factors in Murabahah financing at Bank Sumut Syariah Sub-Branch Lubuk Pakam and the results of the analysis of the application of the 5C principle in Murabahah financing at Bank Sumut Syariah Sub-Branch Lubuk Pakam. This research method uses descriptive qualitative research. While the data is done using observation, documentation and interview techniques. The data analysis model used in this research is qualitative analysis of the Miles and Huberman model, namely by reducing data, presenting data and drawing conclusions. The results in this study indicate that: Internal obstacles faced by Bank SUMUT Lubuk Pakam Syariah Sub-Branch in applying the 5C Principle, namely; limited customer information, limited technology, product suitability, property valuation, supervision and control, economic and industrial conditions. And external constraints faced by Bank SUMUT Lubuk Pakam Syariah Sub-Branch in applying the 5C Principle, namely; macroeconomics, changes in government policy, public consumption patterns, political uncertainty, regulatory changes.

Griya Takeover Financing is one of the financing companies owned by BSI KCP Kuta to meet customers' financial needs. However, this financing often encounters problems in the takeover process. The aims of this study are: to find out the factors that lead to a murabahah contract in the financing of a takeover griya at BSI KCP Kuta and to find out the process of financing the griya takeover at BSI KCP Kuta. The research method used is a descriptive qualitative method with data collection techniques through observation, interviews, and documentation. The data analysis technique used is the Miles and Huberman model, which includes data collection, data reduction, data presentation, and data verification. data validity technique with the triangulation technique. The results of the study found: 1) There are factors that cause a murabaha contract to occur, namely the presence of the object of the contract; 2) The murabaha contract process by submitting asset documents to the consumer as a sign of consent qabul with the consumer. And financing for takeover houses that are free from usury in accordance with the Fatwa of the National Sharia Council, MUI No.04/DSN-MUI/IV/2000, dated April 1, 2000, conceming murabaha.; 3) The process of financing takeover housing includes BSI having the terms and benefits of financing takeover housing. To attract consumer, as well as with light installments, one of the benefits of takeover financing at BSI is that consumers still feel able to meet other needs.

Bank Syariah Indonesia Renon Denpasar Branch Office as an institution engaged in the financial sector is certainly inseparable from marketing strategies as a support for its growth and development. The marketing strategy aims to support banks in achieving success and as a measure of banking performance. So  that a marketing mix is also needed to achieve banking goals and objectives so that it can increase the number of customers in the bank. The focus of the research 1. How is the marketing mix strategy of  mitraguna blessing financing products in increasing the number of customers at PT Bank Syariah Indonesia Renon Denpasar Branch Office? 2. What are the obstacles faced in implementing the marketing mix strategy for mitraguna  blessing financing products to increase the number of customers at PT Bank Syariah Indonesia Renon Denpasar Branch Office? Research Objectives 1. To find out the application of the marketing mix strategy of financing mitraguna blessing in increasing the number of customers at PT Bank Syariah Indonesia Renon Denpasar Branch Office. 2. To find out the obstacles faced in implementing the marketing mix strategy of financing products mitraguna blessing to increase the number of customers at PT Bank Syariah

This research is motivated by the ability of Islamic commercial banks to collect funds from the public to be channeled back to customers in the form of financing, where third party funds are one of the largest sources that can be collected by banks, so that these third party funds can affect the amount of financing to be distributed . Murabahah financing is the most popular financing in both Islamic banks in Indonesia and Islamic banks in the world, and also the effect of margin income because the higher the margin income received, the banks will indirectly increase the amount of murabahah financing because this is related to good performance. The research method used is a quantitative research method, with a sampling technique using purposive sampling with 44 research samples. The type of data used is secondary data in the form of BUS quarterly financial reports for the 2017-2019 period which are accessed and retrieved through the official website of each bank. The data analysis used is the classical assumption test, multiple linear regression analysis, t test, F test, coefficient of determination and path analysis.