Zaid Raya Argantara
Universitas Al-Amien Prenduan

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PENGARUH BI RATE NILAI TUKAR DAN INFLASI TERHADAP PENDAPATAN BAGI HASIL BANK MEGA SYARIAH INDONESIA PERIODE 2019-2023 Afilatul Agustini; Zaid Raya Argantara
AL-MUJADDID - JURNAL EKONOMI DAN BISNIS ISLAM Vol 1 No 2 (2025): Al-Mujaddid - Jurnal Ekonomi Islam
Publisher : STAI Nurul Qadim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63398/mh2b2762

Abstract

Indonesia's economy faced many challenges from 2019 to 2023, including the effects of the COVID-19 pandemic, exchange rate fluctuations, and unstable inflation rates. If the BI Rate is lower, it can increase profit margins, while if BI Rate is higher, it can reduce profit margins, Fluctuating exchange rates can affect the operational costs of Islamic banks, if the Rupiah weakens, income from financing in foreign exchange will increase when converted to Rupiah. On the other hand, if the rupiah strengthens, income from financing in foreign currency will decrease when converted to rupiah. High inflation tends to reduce customer purchasing power, which can have a negative impact on profit-sharing income. The formulation of the problem of this study is: 1). Does the BI rate affect Bank Mega Syariah Indonesia's profit-sharing income in the 2019-2023 period? 2). Does the Rupiah exchange rate affect Bank Mega Syariah Indonesia's profit-sharing income in the 2029-2023 period? 3). Does inflation affect Bank Mega Indonesia's profit-sharing income in the 2019-2023 period? 4). Do BI Rate, Rupiah Exchange Rate and Inflation affect Bank Mega Syariah Indonesia's profit-sharing income for the 2019-2023 period? The method used in this study is associative quantitative research. The object of this research is the quarterly bank financial statements of Bank Mega Syariah Indonesia for the 2019-2023 period. The data collection technique uses documentation, data analysis uses multiple linear analysis tests. The result of this study is that the Bi Rate has no effect on Bank Mega Syariah Indonesia's profit-sharing income for the 2019-2023 period, this can be seen from the significance value of 0.078 > 0.05. The exchange rate has no effect on Bank Mega Syariah Indonesia's profit-sharing income for the 2019-2023 period, this can be seen from the significance value of 0.716 > 0.05. Inflation affects Bank Mega Syariah Indonesia's profit-sharing income for the 2019-2023 period this can be seen from a significance value of 0.036 < 0.05. BI Rate, Exchange Rate, and Inflation affect Bank Mega Syariah Indonesia's profit-sharing income for the 2019-2023 period, this can be seen from the significance value of 0.008 < 0.05.
Reinventing Pesantren Economies: Islamic Social Entrepreneurship as a Model for Sustainable Community Transformation Zaid Raya Argantara; Slamet Haryono; Moh. Wardi; Holilur Rahman; Iqbal Rafiqi; Noor Aimi Mohamad Puad
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 15 No. 1 (2026): April
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v15i1.3012

Abstract

This study examines the role of Islamic social entrepreneurship in reinventing pesantren-based economies as a sustainable model for community transformation within the broader discourse of inclusive and ethical development. Employing a qualitative descriptive-analytical approach, data were collected through in-depth interviews, participant observation, and documentation at Pondok Pesantren Al-Amien Prenduan, Indonesia. The findings demonstrate that the implementation of Islamic social entrepreneurship through the Micro Waqf Bank (BWM) Al-Pend Barokah Mandiri significantly contributes to economic empowerment among productive low-income communities. Beyond local impact, this pesantren-based model addresses global challenges related to financial inclusion, social inequality, and sustainable development by embedding Islamic ethical values within entrepreneurial practices. The study contributes to the literature by conceptualizing pesantren not merely as religious institutions but as transformative socio-economic actors capable of driving inclusive growth. This research proposes pesantren-based Islamic social entrepreneurship as a viable alternative framework for sustainable community transformation in emerging Muslim economies.