Nurjannah
Institut Agama Islam Negeri Kendari

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COMPARATIVE ANALYSIS OF FINANCIAL PERFORMANCE BETWEEN ISLAMIC COMMERCIAL BANKS AND CONVENTIONAL BANKS LISTED ON THE INDONESIA STOCK EXCHANGE (IDX) FOR THE PERIOD 2017-2021 Nurjannah; Abdul Wahid Mongkito; Putri Wulansari; Muljibir Rahman
Referensi Islamika: Jurnal Studi Islam Vol. 3 No. 2 (2025): DECEMBER
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v3i2.557

Abstract

This study aims to analyze the differences and compare the average financial performance between Islamic Commercial Banks and Conventional Banks using six financial ratios: Capital Adequacy Ratio (CAR) as a proxy for capital, Non-Performing Loan (NPL) for asset quality, Return on Assets (ROA) for profitability, Return on Equity (ROE) for profitability from equity, Operational Efficiency Ratio (BOPO), and Loan to Deposit Ratio (LDR) for liquidity. This research employs a quantitative descriptive approach using secondary data derived from financial statements of banks listed on the Indonesia Stock Exchange. The analysis technique applied is the Independent Sample T-test to examine the differences in the average financial performance between Islamic and conventional banks. The results indicate that there are significant differences in the average financial performance between Islamic and conventional banks in terms of CAR, NPL, and BOPO. However, no significant differences are found in ROA, ROE, and LDR. Based on mean values, Islamic banks demonstrate better performance in CAR and ROA, while conventional banks outperform in NPL, ROE, BOPO, and LDR. Overall, conventional banks show superior financial performance compared to Islamic banks, which is attributed to their longer operational experience and more established market presence. This study contributes to the comparative financial performance literature by providing empirical evidence on the relative strengths and weaknesses of Islamic and conventional banking systems in Indonesia using multiple financial indicators. It offers valuable insights for policymakers, practitioners, and academics in evaluating the competitiveness and development of the Islamic banking sector.
QUALITY OF EDUCATIONAL SERVICES AT MADRASAH TSANAWIYAH AL MUHAJIRIN KENDARI Nurjannah; Yasin Saputra
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 3 (2026): JUNE
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i3.752

Abstract

This study aims to analyze the quality of educational services at Madrasah Tsanawiyah (MTs) Al-Muhajirin by examining several dimensions of service quality, including reliability, tangibles, responsiveness, assurance, and empathy, in order to identify factors affecting student and parent satisfaction. This research employed a qualitative method with a phenomenological study approach. The informants in this study consisted of the principal, teachers, and parents of students. Data were collected through interviews, observations, and documentation. The data analysis process involved data collection, data reduction, data presentation, and conclusion drawing. To ensure data validity, the study applied source triangulation, technical triangulation, and member checking techniques. The findings indicate that the quality of educational services at MTs Al-Muhajirin has not yet fully met students’ and parents’ expectations. While responsiveness, assurance, and empathy were generally satisfactory, improvements are still needed in teacher reliability and the adequacy of educational facilities, particularly classrooms and library services. These findings suggest the need for continuous efforts to enhance overall service quality. The findings suggest that improving educational service quality requires strengthening teacher reliability, upgrading educational facilities, and enhancing student support services. The study also highlights the importance of continuous evaluation and stakeholder involvement in improving service quality and increasing student and parent satisfaction in Islamic educational institutions. This study contributes to the discourse on educational service quality in Islamic educational institutions by providing an in-depth phenomenological analysis of service dimensions at the madrasah level. The findings offer practical insights for improving educational service management to achieve greater student and parent satisfaction.
LEADING WITH AMANAH: THE MEDIATING ROLE OF ISLAMIC WORK ETHICS IN THE RELATIONSHIP BETWEEN SPRITUAL LEADERSHIP AND KNOWLEDGE SHARING Reijeng Tabara; Andi Hasrun; Nurjannah
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 4 (2026): AUGUST
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i4.804

Abstract

Drawing on Social Learning Theory and Islamic Ethics, this study develops and tests a model examining the mediating role of Islamic Work Ethics in the relationship between spiritual leadership and knowledge sharing. A quantitative cross-sectional survey was conducted among 248 employees from two Islamic nongovernmental organizations (NGOs) operating in Southwest Papua, Indonesia. The proposed hypotheses were tested using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.1. The findings reveal that spiritual leadership exerts a positive and significant influence on both knowledge sharing and Islamic Work Ethics. Islamic Work Ethics also positively and significantly affects knowledge sharing. Furthermore, the indirect effect of spiritual leadership on knowledge sharing through Islamic Work Ethics is significant, indicating a partial mediation role. The proposed model explains 81.5% of the variance in knowledge-sharing behavior. The findings suggest that leaders of Islamic NGOs should invest strategically in spiritually grounded leadership development and initiatives aimed at strengthening Islamic Work Ethics to foster a more collaborative knowledge-sharing culture. However, the cross-sectional design and the focus on a single regional context limit the ability to draw causal conclusions and constrain the generalizability of the findings to other organizational settings. This study contributes to the Islamic management and organizational behavior literature by empirically examining Islamic Work Ethics as a mediating mechanism linking spiritual leadership and knowledge sharing. It also extends the existing literature by providing evidence from Islamic NGOs operating in a frontier Muslim-minority context in Eastern Indonesia, a setting that remains largely underexplored in prior research.