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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

One form of progress in the current financial sector is evidenced by the adaptation of Fintech, which stands for sharia P2PL Financial Technology. Financial institutions in carrying out their activities cannot be avoided what is called risk. That's why to gain profit and customer trust, financial institutions are required to have good risk management, especially fintech companies that offer convenience and efficiency in transactions, so they will be very vulnerable to various types of risks in the financing process that can affect the sustainability of the fintech itself. fintech companies, before channeling financing to potential recipients of funds, also need to be able to pay attention to various risks that may arise, both predictable and not, and also have techniques for mitigating risks from all possibilities that may occur in the future, so there is a need for strategic steps and ways to minimize existing risks. This type of research is empirical and uses a qualitative approach with secondary data source. From the explanation, it can be said that PT ALAMI Sharia has carried out Sharia fintech P2PL transactions that are following existing economic principles starting from the identification of potential recipients of funds, analysis carried out by PT ALAMI and risk mitigation carried out by PT ALAMI Syariah.

The purpose of this study is to determine the export marketing strategy of three-color cracker SMEs in entering the global market. The method used in this study uses a qualitative approach with data collection techniques through interviews and observations. The results of this study indicate that the export marketing strategies that can be used for three-color crackers in entering the global market are as follows: a. Knowing the target market to be achieved, b. considering the scale of the business that you want to target, such as financing and consumer interest who will buy three-color crackers, c. know and observe the regulations of the destination country, d. form partnerships as needed.

Penanaman Modal Asing (PMA) and Penanaman Modal Dalam Negeri (PMDN) are important sources of financing for developing regions and can make a significant contribution to development. As a component of capital flows, Foreign Direct Investment (FDI) is considered a relatively stable inflow compared to other capital flows, such as portfolio investment and foreign debt. A country's economy relies on investment to solve various problems, crises, and economic challenges. This is because investing in certain sectors of the economy can quickly change the various economic challenges facing a country. Both private and public investment bring many benefits, including job creation. The purpose of this study is to analyze the impact of domestic and foreign investment on economic growth. This type of research is quantitative research. The research instrument used is documentation of research instruments through books and scientific journals. Data analysis using multiple regression method. As a result, it can be seen that foreign investment has a large positive effect on economic growth. Foreign direct investment helps Indonesia achieve stable national development. But domestic investment has no effect on economic growth. The implementation of this research is the need for the government's role as a regulator to support increased domestic and international investment in order to encourage Indonesia's economic growth.

This study aims to determine the development of musyarakah financing in Indonesia. The research method used is descriptive method with content analysis or content analysis. Broadly speaking, this writing systematic is more of a narrative nature that collects secondary data from BPS, opinions of experts, journals, books and articles published on the internet related to musyarakah financing in Indonesia. The results of the study show that musharaka financing continues to show increasing growth from year to year. As a form of financing that focuses on the productive sector, musyarakah financing needs to be further increased compared to murabahah financing which focuses on the consumptive sector.

This study aims to analyze the comparison of financial performance between conventional commercial banks and sharia commercial banks in Indonesia. This research is a type of descriptive research with a quantitative approach. The population taken in this study are commercial banks registered with the Otoritas Jasa Keuangan (OJK). Sampling in this study was conducted using purposive sampling technique so that a sample of 11 conventional commercial banks and 9 sharia commercial banks was obtained. The data used is secondary data obtained from the published annual reports of each commercial bank registered with the Otoritas Jasa Keuangan (OJK) during the 2016-2020 period. The data in this study consists of financial ratios Return On Assets (ROA), Return On Equity (ROE), Net Interest Margin/Net Operating Margin (NIM/NOM), Operating Costs to Operating Income (BOPO), and Non-Performing Loans/Non-Performing Financing (NPL/NPF). In this study, data analysis was carried out using descriptive statistical analysis and the two-sample independent test of non-parametric statistics, namely the Mann Whitney test. After analyzing the data, the results show that there are differences in the financial performance of conventional commercial banks and sharia commercial banks as measured by the ratio of ROA, ROE, NIM/NOM, BOPO and NPL/NPF. In general, the financial performance of conventional commercial banks is better than that of Islamic commercial banks.  

The obstruction of several business activities caused by the pandemic has led to the need for institutions that can manage and develop MSMEs in the midst of this outbreak. One of the institutions that is being developed is Sharia fintech. This research uses a literature study method where in this method the researcher uses several sources that present topics related to the research. This research also uses secondary sources where the source presents data related to Sharia fintech and MSMEs. The research technique used in this study is descriptive statistics by examining patterns to develop MSMEs using Sharia-based fintech. The results of this study revealed that currently the total assets of Sharia fintech reached 50 billion in IDR with a growth 8.32 %, which shows a significant figure compared to February 2020. Since the development of Sharia fintech, there have been 13 Sharia financial technology and there’re six companies engaged in financing 65 to develop MSMEs. The pattern used in developing MSEs that have a Sharia basis can use the role of fintech institutions not only providing financial assistance in the form of money but also providing assistance in the form of companions in developing their businesses related to MSME marketing..

A finance company is a company that provides loans to prospective borrowers with certain guarantees such as PT. Internusa Tribuana Citra Multi Finance Medan Branch. In this business, company funds are often embedded because of debtors who are in arrears. Therefore, the company has a field officer who functions to collect debtor's house and make a withdrawal of the financing unit that has exceeded the reasonable limit of the time of payment. The implementation of billing activities carried out is definitely related to the work safety of each field officer. Work safety issues such as beatings experienced by field officers have an impact on the implementation of billing. This resulted in the billing process becoming less than optimal because the officers were worried about their safety. In addition, the work environment also impacts on employee performance, such as lack of work space that makes employees not free to work, relationships that are not good affect the communication process in decision making and document filing that is not neat will affect the document search process. The purpose of this study was to determine the effect of work safety and work environment on the performance of employees. The analytical method used is quantitative descriptive analysis method. The population in this study were 51 people who were employees of PT. ITC Multi Finance Medan Branch and also as a respondent. The method of data collection is done by interviewing, distributing questionnaires, documentation and literature. Variables taken with a Likert scale. The data analysis model used to answer the hypothesis is multiple linear regression analysis.The results showed that simultaneously the work safety and work environment did not significantly influence the performance of PT. Medan Branch Internusa Tribuana Citra Multi Finance, and partially has no effect on performance.

Penelitian ini bertujuan untuk mengetahui pemahaman nasabah terhadap Pembiyaan Syariah  pada PT. Amanah Finance Makassar. Penelitian ini menggunakan dua pendekatan, yaitu pendekatan kaulitatif dan Jenis penelitian yang digunakan dalam menganalisis pemahaman nasabah terhadap kontrak syariah pada Lembaga Keuangan Mikro Syariah menggunakan metode penelitian deskriptif kuantitatif dengan metode analisis skala likert dan uji chi square. Dalam pengamatan awal penelitian, tampak pemahaman nasabah terhadap kontrak bisnis syariah pada Lembaga Keuangan Mikro Syariah dipengaruhi oleh banyak faktor, yang secara umum dapat dikategorikan menjadi: (1) variabel demografi (2) varabel ekonomi-kelembagaan, (3) variabel pelayanan-kelembagaan, (4) variabel substansi kontrak bisnis syariah, dan (5) variabel sosial budaya masyarakat. Variabel-variabel tersebut dianalisis dengan pendalaman atas substansi teori pemahaman, dan teori Pembiyaan syariah, PT. Amanah Finance Makassar.

Tujuan penelitian ini adalah untuk menguji pengaruh Capital Adequacy Ratio (CAR), Beban Operasional Pendapatan Operasional (BOPO), dan Non Performace Financing (NPF) Terhadap Profitabilitas pada Perusahaan Perbankan pada Bursa Efek Indonesia Tahun 2017-2019. Dalam penelitian ini yang menjadi populasi adalah jumlah perusahaan perbankan yang terdaftar di Bursa Efek Indonesia dari tahun 2017-2019 yang berjumlah 43 perusahaan. Sampel dalam penelitian ini yaitu berjumlah 23 perusahaan dengan metode purposive sampling. Hasil Penelitian menunjukkan bahwa nilai t-hitung Capital Adequacy Ratio (CAR) (X1) adalah sebesar 0,497 dan nilai probabilitas lebih besar dari 0,05 yaitu sebesar 0,621. Hal ini menunjukkan bahwa variabel Capital Adequacy Ratio (CAR) (X1) tidak berpengaruh signifikan terhadap Profitabilitas. Hipotesis pertama dalam penelitian ini ditolak. Nilai t-hitung Beban Operasional Pendapatan Operasional (BOPO) (X2) adalah sebesar -4,745 dan nilai probabilitas lebih kecil dari 0,05 yaitu sebesar 0,000. Hal ini menunjukkan bahwa variabel Beban Operasional Pendapatan Operasional (BOPO) (X2) berpengaruh signifikan terhadap Profitabilitas. Hipotesis kedua dalam penelitian ini diterima. nilai t-hitung Non Performance Financing (NPF) (X3) adalah sebesar 1,237 dan nilai probabilitas lebih besar dari 0,05 yaitu sebesar 0,221. Hal ini menunjukkan bahwa variabel Non Performance Financing (NPF) (X3) tidak berpengaruh signifikan terhadap Profitabilitas. Hipotesis ketiga dalam penelitian ini ditolak.