The purpose of this research is to analyze the influence of third party funds, capital adequacy ratio (CAR), non performing financing (NPF) ,financing to deposit ratio (FDR) Of return on assets (ROA) during period of 2008-2013 syariah banks in indonesia. About 3 syariah banks in indonesia was taken as sample for this research. The data used for this research were obtained from the data of Quarterly Published Financial Report Period 2008 up to 2013. The analysis technique used is Linear Regression that aims for estimating the relationships among variables. The results of F test showing that Third Party Funds, CAR, NPF and FDR simultaneously influential to ROA. While The result of t-test showing Third Party and NPF has significant positif effect to ROA, CAR and FDR has a negative effect on ROA syariah banks in Indonesia.Keywords: ROA, Third Party Funds, CAR , NPF, FDR

Fundraising or collecting zakat is the main pillar in an institution for managing zakat, infak and alms or ZIS. The existence of ZIS will have an impact on the welfare of the community in order to alleviate poverty. So there is a need for cooperation in the Zakat Collection Unit (UPZ). One of them is the cooperation with educational institutions which will strengthen the role of higher education institutions or educational institutions for the benefit of the community through zakat funding by participating in UPZ. Fundraising zakat is very important in solving poverty, one of which is the ease of transactions, namely the development of e-commerce that is rife in society, seen from the online platform, it makes it easier for people to transact to buy or sell online during the pandemic, because they are encouraged to stay at home by imposing social distancing or lockdown. The increasing number of online e-commerce users in Indonesia has an impact on national economic growth, and the growth of e-commerce companies that have features to pay zakat online. The need for institutional synergy in zakat fundraising with e-commerce is very effective after the Covid-19 pandemic. This research uses literature studies, by collecting various references from books and several studies collected to optimize zakat funding at institutions in collaboration with e-commerce after the Covid-19 pandemic. Thus it is necessary to determine the source (communicator), message, media, target (communication), and the expected effect. Then apply Direct Fundraising and Indirect Fundraising. Fundraising atau penghimpunan zakat merupakan pilar utama dalam suatu lembaga pengelolaan zakat infak dan sedekah atau ZIS. Adanya ZIS akan dapat berdampak pada kesejahteraan masyarakat guna mengentaskan kemiskinan. Maka perlunya kerjasama pada Unit Pengumpulan Zakat (UPZ). Salah satunya adanya kerjasama dengan instantsi pendidikan akan mejadi penguatan peran perguruan tinggi atau instansi pendidikan terhadap kemaslahatan masyarakat melalui fundrising zakat dengan ikut berpartisipasi dalam UPZ. Fundraising zakat sangat penting dalam penyelesaian kemiskinan, salah satunya kemudahan dalam bertransaksi yaitu sudah berkembang e-commerce yang marak di masyarakat, dilihat dari platform online memudahkan masyarakat dalam bertransaksi membeli atau menjual online pada masa pandemi, karena dihimbau untuk stay at home dengan memberlakukan social distancing atau lockdown. Semakin banyak penigkatan jumlah pemakai e-commerce online di Indonesia berdampak pada pertumbuhan ekonomi nasional, bertumbuhnya pula perusahaan e-commerce yang mempunyai fitur untuk membayar zakat online. Perlunya sinergi institusional dalam fundraising zakat dengan e-commerce sangat efektif pasca pandemi covid-19. Penelitian menggunakan studi literatur, dengan mengumpulkan berbagai refrensi dari buku dan beberapa penelitian yang dikumpulkan untuk mengoptimalkan fundrising zakat pada institusional dengan bekerjasama dengan ecommerce pasca pandemi covid-19. Dengan demikan perlu adanya penentuan sumber (komunikator), pesan, media, sasaran (komunikasi), dan efek yang diharapkan. Kemudian menerapkan Direct Fundraising dan Indirect Fundraising.

Purpose of the study: This study aims to explain the effect of Islamic Banking Intellectual Capital and Islamic Social Reporting on the Islamic Financial Performance Index of Sharia Bank Indonesia. Methodology: The data obtained in this study consisted of a total of 368 from annual financial reports and sustainability reports that were officially published by each Islamic bank in Indonesia. The analytical method used in this study is the Partial Least Square (PLS) method which is processed with SmartPLS 3 software. Main Findings: There is an essential influence on the implementation of Islamic Banking Intellectual Capital and Islamic Social Reporting on Islamic Financial Performance in Islamic Banking in Indonesia. This finding also shows that intellectual capital and social reporting by Islamic banks have a significant positive effect on the financial performance of Islamic banks in Indonesia. Applications of this study: This research will help next researchers to develop research in the banking world and can be used by banking institutions to become scientific input. Besides, mobilizing and using intangible resources properly will improve the financial performance of an organization. Novelty / Originality of this study: The existence of Islamic Banking Intellectual Capital combined with Islamic Social Reporting can affect and improve the competitiveness of Islamic Banking in Indonesia. This study will be a complete research and provide clear information for practitioners and academics.

Islamic banking is growing rapidly, especially Malaysia, Indonesia, and Brunei Darussalam. This causes Islamic banking to be demanded to be more responsive to stakeholders. This then becomes the basis that Islamic banking must improve its social performance. Social performance is a form of corporate social responsibility to fulfill obligations that come from people's expectations of company behavior. Researchers are interested to find out whether there is an influence of disclosure of social performance on profitability in Islamic banks in Indonesia. This type of research is quantitative using secondary data and linear regression as a data analysis method. This study shows that there is an influence of disclosure of social performance on profitability of Islamic banks in Indonesia.