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All Journal The Es Economics and Entrepreneurship Jurnal Social Society BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Sania Nuraziza
UIN Raden Intan Lampung
Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

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Pengaruh Corporate Social Responsibility, Zakat Performance Ratio dan Islamic Social Reporting terhadap Stabilitas Kinerja Keuangan dengan Islamic Corporate Goverance sebagai Variabel Intervening Amara Berliana Hasibuan; Ersi Sisdianto; Sania Nuraziza
Journal Social Society Vol. 6 No. 2 (2026): April - Juni 2026
Publisher : Pustaka Digital Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54065/jss.6.2.2026.1242

Abstract

Perkembangan perbankan syariah di Indonesia menunjukkan pertumbuhan yang pesat, namun stabilitas kinerja keuangan antar bank belum merata. Variasi nilai Z-score pada Bank Umum Syariah (BUS) mengindikasikan adanya perbedaan kemampuan bank dalam menghadapi risiko dan menjaga keberlanjutan operasional. Penelitian ini bertujuan untuk menguji pengaruh Corporate Social Responsibility (CSR), Zakat Performance Ratio (ZPR), dan Islamic Social Reporting (ISR) terhadap stabilitas kinerja keuangan dengan Islamic Corporate Governance (ICG) sebagai variabel intervening. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan analisis regresi data panel. Populasi dalam penelitian ini adalah perbankan syariah yang ada di indonesia periode 2019-2024. Dalam penelitian ini sample yang digunakan sebanyak lima bank syariah di Indonesia yang di peroleh dengan metode purposive sampling. Pengumpulan data dalam penelitian ini adalah dokumentasi dengan jenis data sekunder berupa laporan keuangan bank syariah yang ada di Indonesia. Sampel penelitian terdiri dari bank umum syariah yang memenuhi kriteria kelengkapan laporan tahunan periode 2019-2024. Pengujian dilakukan untuk melihat pengaruh langsung variabel independen terhadap stabilitas kinerja keuangan maupun pengaruh tidak langsung melalui variabel intervening. Hasil penelitian menunjukkan bahwa CSR dan ISR tidak memiliki pengaruh signifikan terhadap stabilitas kinerja keuangan. Sebaliknya, zakat performance ratio berpengaruh positif dan signifikan terhadap stabilitas kinerja keuangan. Lebih lanjut, CSR ditemukan berpengaruh positif signifikan terhadap ICG, sementara ZPR berpengaruh negatif signifikan terhadap ICG, dan ISR tidak berpengaruh signifikan terhadap ICG. Hasil uji mediasi menunjukkan bahwa ICG tidak mampu menjadi variabel mediator yang signifikan dalam hubungan antara CSR, ZPR, dan ISR terhadap stabilitas kinerja keuangan pada Bank Umum Syariah di Indonesia.
Pengaruh Tarif Perdagangan, Nilai Tukar dan Produk Domestik Bruto Terhadap Ekspor Produk Pertanian Indonesia Ke 5 Negara Asean dalam Prespektif Ekonomi Islam Tahun 2015-2024 Karina Setiani; Sania Nuraziza; Erlin Kurniati
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i1.9991

Abstract

Agricultural product exports are closely related to trade tariffs, exchange rates, and gross domestic product. This study aims to analyze the influence of trade tariffs, exchange rates, and gross domestic product on agricultural product exports to ASEAN countries from an Islamic economic perspective. The research method used in this study is quantitative, presented in the form of panel data from five ASEAN member countries with a purposive sampling technique in data selection. The results of this study indicate that the trade tariff variable has a negative and significant effect on Indonesian agricultural exports, the exchange rate variable has a negative and significant effect on Indonesian agricultural product exports, and the GDP variable has a positive and significant effect on Indonesian agricultural product exports. In Islamic economics, exports and international trade must be in accordance with sharia, emphasizing halal (permissible), justice, and blessings. Goods or services traded must be halal (permissible), beneficial, and not detrimental to society or the environment. Trade contracts must be transparent, free from usury, gharar (unlawful), and fraud, while sharf (sharf) is carried out in cash and clearly. Trade tariffs are permitted to protect domestic interests fairly. The Islamic economic approach assesses economic activity from the perspective of its benefits, blessings, and suitability to the maqashid al-shariah, not just GDP.
Export Market Concentration, Earnings Stability, and International Finance Risk: Evidence from Indonesia’s Non Oil Exports Eva Yuniarti Utami; Wahyu Agung Setyo; Nur Zarliani Uli; Sania Nuraziza; Novi Handayani Simbolon
The Es Economics and Entrepreneurship Vol. 4 No. 03 (2026): The Es Economics And Entrepreneurship (ESEE)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/esee.v4i03.975

Abstract

This study examines how export market concentration shapes export earnings stability from an international finance perspective. Using secondary data compiled from ITC Trade Map for Indonesia’s non oil exports during 2022-2025, the paper evaluates export value dynamics, destination market concentration, and the stability of foreign exchange generating export earnings. The analysis combines descriptive trend analysis, market share decomposition, the Herfindahl Hirschman Index (HHI), and the coefficient of variation (CV) of export earnings. The results indicate three main findings. First, Indonesia’s export earnings remained resilient despite global tightening, commodity price normalization, and exchange rate uncertainty. Second, export destinations were still moderately concentrated in a limited set of large markets, especially China, the United States, and India, implying exposure to partner specific demand shocks. Third, moderate diversification across secondary markets helped cushion aggregate earnings volatility, although sectoral dependence on a few commodities linked products remained visible. The study contributes to the international finance literature by showing that trade structure is not only a competitiveness issue but also a financial risk issue because export concentration affects foreign exchange inflows, external liquidity, and macro financial resilience. Policy implications include deeper market diversification, export upgrading, and broader use of trade finance and hedging instruments.
Co-Authors Amara Berliana Hasibuan Erlin Kurniati Ersi Sisdianto Eva Yuniarti Utami Karina Setiani Novi Handayani Simbolon Nur Zarliani Uli Wahyu Agung Setyo