Erika Amelia, Erika
Ikatan Ahli Ekonomi Islam

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PENYALURAN DANA ZAKAT PRODUKTIF MELALUI POLA PEMBIAYAAN (STUDI KASUS BMT BINAUL UMMAH BOGOR) Amelia, Erika
Signifikan: Jurnal Ilmu Ekonomi Vol 1, No. 2, Oktober 2012
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (125.97 KB) | DOI: 10.15408/sjie.v1i2.2600

Abstract

This article is going to analyze about the evaluation of Zakat Funds Distribution Pattern of Earning Through, Financing Atthe National Agency for Amil Zakat. Observations made by the author for about 4 months, both derived from surveys or direct interviews with parties BAZNAS and BMT Binaul BAZNAS Ummah as well as channel partners from the library or other reference materials. Based on data analysis research is that BAZNAS productive charity has granted funds in accordance with the principles of Islamic rule. The concept of financing as working capital revolving fund that is used by BAZNAS (in this case refers to BMT Binaul Ummah in the distribution) into a concept powerful enough to support the economic empowerment of the poor without a growing culture of consumerism. Because one major goal is to assist the distribution of alms mustahik economic conditions most of which are the poor. Financing revolving fund used by BAZNAS to channel aid funds sourced ZIS working capital for a number of traders and small entrepreneurs in Bogor.DOI: 10.15408/sjie.v1i2.2600
Determinant of Mudharabah Financing: A Study at Indonesian Islamic Rural Banking Amelia, Erika; Hardini, Eva Fauziah
ETIKONOMI Vol 16, No 1 (2017)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (483.134 KB) | DOI: 10.15408/etk.v16i1.4638

Abstract

This study aims to determine the variables that affect the financing in the Islamic rural banking in Indonesia. The data used in this study is a monthly time series data that is from June 2009 until June 2015 in the monthly financial statements Islamic Banking Statistics published by Bank Indonesia. The analytical method used in this research is multiple linear regressions. The results of data analysis showed that the variables simultaneously deposit fund, capital adequacy ratio, inflation, exchange rate and the level of revenue sharing significantly influence the composition of financing. Partially deposit funds and the exchange rate significant positive effect, while capital adequacy ratio had a negative effect. Variable inflation and the level of revenue sharing do not significantly influence the composition of financing. This result implies that Islamic rural banking should increase the deposit funds to increase the mudaraba financing.DOI: 10.15408/etk.v16i1.4638 
Financial Ratio and Its Influence to Profitability in Islamic Banks. Amelia, Erika
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 7, No 2: July 2015
Publisher : Faculty of Shariah and Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (155.142 KB) | DOI: 10.15408/aiq.v7i2.1700

Abstract

This research aims to analyze the influence of the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) and Biaya Operasional Pendapatan Operasional (BOPO) to Return on Asset (ROA) in Bank Muamalat Indonesia and Bank Syariah Mega. The data analysis method used in this research is multiple regression analysis. From the test results show that the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) and Biaya Operasional Pendapatan Operasional (BOPO) simultaneously effect to Return on Asset (ROA). Based on the test results of the t statistic was concluded that the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) and the Financing to Deposit Ratio (FDR) partially no significant effect to Return on Asset (ROA), while Biaya Operasional Pendapatan Operasional (BOPO) partially significant effect to Return on Asset (ROA)DOI: 10.15408/aiq.v7i2.1700
Penilaian Tingkat Kesehatan Bank: Pendekatan CAMEL Dan RGEC (Studi Pada Bank Maybank Syariah Indonesia Periode 2011-2016) Amelia, Erika; Aprilianti, Astiti Chandra
JURNAL AKUNTANSI DAN KEUANGAN ISLAM Vol 6 No 2 (2018)
Publisher : SEBI School of Islamic Economics

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/jakis.v6i2.116

Abstract

This study aims to determine the risk based bank rating at PT. Bank Maybank Syariah Indonesia if measured using CAMEL (Capital, Asset, Management, Earning, Liquidity) method and RGEC (Risk Profile, Good Corporate Governance, Earning, Capital) in 2011-2016 and also aims to know differences in ratios used in CAMELS and RGEC methods. The research method used in this research is literature research or study desk study. The data used in this research is secondary data using financial statements of Bank Maybank Syariah Indonesia Period 2011-2016. The results show that the bank can be said to be adequately sound because almost all the ratios used meet the specified requirements and there are still some ratios that have not met the requirements, but in both methods have different results. In the year 2011-2014 the risk based bank rating of Maybank Syariah Bank is calculated using CAMEL method of bank is in the sound level. In 2015 -2016, the calculation of bank soundness shows that bank condition is in an sound level. In Maybank Syariah Bank the state of the bank is in the sound level is in 2011-2013 if calculated using the RGEC method. In the year 2014-2016 the condition of the bank shows a adequately sound level.
Penilaian Tingkat Kesehatan Bank: Pendekatan CAMEL Dan RGEC Amelia, Erika; Aprilianti, Astiti Chandra
JURNAL AKUNTANSI DAN KEUANGAN ISLAM Vol 6, No 2 (2018)
Publisher : SEKOLAH TINGGI EKONOMI ISLAM SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35836/jakis.v6i2.5

Abstract

This study aims to determine the risk based bank rating at PT. Bank Maybank SyariahIndonesia if measured using CAMEL (Capital, Asset, Management, Earning,Liquidity) method and RGEC (Risk Profile, Good Corporate Governance, Earning,Capital) in 2011-2016 and also aims to know differences in ratios used in CAMELSand RGEC methods. The research method used in this research is literature researchor study desk study. The data used in this research is secondary data using financialstatements of Bank Maybank Syariah Indonesia Period 2011-2016. The results showthat the bank can be said to be adequately sound because almost all the ratios usedmeet the specified requirements and there are still some ratios that have not met therequirements, but in both methods have different results. In the year 2011-2014 therisk based bank rating of Maybank Syariah Bank is calculated using CAMEL methodof bank is in the sound level. In 2015 -2016, the calculation of bank soundness showsthat bank condition is in an sound level. In Maybank Syariah Bank the state of thebank is in the sound level is in 2011-2013 if calculated using the RGEC method. Inthe year 2014-2016 the condition of the bank shows a adequately sound level.
PENGARUH AUDIT INTERNAL TERHADAP MITIGASI RISIKO OPERASIONAL PERBANKAN SYARIAH Amelia, Erika; Ramdan, Muhammad Harfi
Ad Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 3, No 01 (2019)
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (570.068 KB) | DOI: 10.30868/ad.v3i01.500

Abstract

Internal audit as a supervisor in banking should have a very important role in operational risk, but in banks that already have internal audit institutions in it are still experiencing operational risk, so this study aims to analyze and determine the effect of internal audit on operational risk mitigation in Islamic banking and the main factors of internal audit that affect the operational risk of sharia banking. The variable that is the focus of this research is internal audit (X) as a free variable and banking operational risk (Y) as the dependent variable. Data obtained through questionnaires, this study uses a simple linear regression test to determine the effect of these two variables and test the coefficient of determination to determine the magnitude of the effect of variable (X) on (Y) and calculation of maximum values to determine the main factors of internal audit that affect operational risk banking. the results of data processing are done using Ms. Excel 2007 and the SPSS 17.0 application. The results in the study concluded that internal audits affect the operational risk of Islamic banking. The magnitude of the effect is 52.4% while the rest is influenced by other factors. The most influential main factor is periodic internal audit reporting to the Board of Commissioners regarding compliance with policies and procedures, internal audits evaluating risk management measures to ensure accuracy of risk exposures (vulnerable objects) and internal audits evaluating the reliability of information produced by computer system and accounting system.Keywords: audit, internal audit, banking risk, linear regression, determination coefficient
Analisis Implementasi Pemberlakuan UU Nomor 28 Tahun 2009 (Studi Kasus Pengelolaan Penerimaan Pajak Parkir Pada Dinas Pelayanan Pajak Propinsi Daerah Khusus Ibukota Jakarta) Islamiah, Erniati Rizky; Amelia, Erika
Esensi: Jurnal Bisnis dan Manajemen vol. 5, No. 1, April 2015
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/ess.v5i1.2337

Abstract

This paper contains the analysis of the implementation of enforcement of the law number 28 of 2009, especially in the case management of parking tax revenue in Jakarta. Parking tax revenue in the Province of Jakarta for five years did not reach the target then the author would like to see how the influence of parking tax revenue in the Province of Jakarta after the application of the law number 28 of 2009. The conclusion of this paper is the implementation of Law No.28 of 2009 is essentially no direct effect on tax income in Jakarta provincial park for in the law number 28 of 2009 did not discussin detail about the voting system that is set back in the regulations that made after the application of the law. Influence the application of the law number 28 of 2009 does not provide a positive influence interms of achieving tax revenue target of new parking regulation senacted after that seen in ratio tax revenue target attainment percentage of parking up to the third quarter period after the new regulation simposed.DOI: 10.15408/ess.v5i1.2337