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All Journal Tazkia Islamic Finance and Business Review BERNAS: Jurnal Pengabdian Kepada Masyarakat Niqosiya: Journal of Economics and Business Research
Muhammad Farras Hanif
Universitas Pembangunan Nasional Veteran Jakarta
Religion Agriculture, Biological Sciences & Forestry Humanities Dentistry Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Mathematics Neuroscience Nursing Public Health Social Sciences Veterinary Other

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Penilaian kesehatan bank pada Bank Umum Syariah Indonesia menggunakan metode RGEC Ai Kokoy Koyyimah; Rina Nur Shabrina; Muhammad Farras Hanif; Najim Nur Fauziah
Tazkia Islamic Finance and Business Review Vol. 20 No. 1 (2026): TIFBR
Publisher : Faculty of Islamic Business and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study analyzes the health level of Islamic Commercial Banks (BUS) in Indonesia in 2024 using the RGEC method, which consists of Risk Profile, Good Corporate Governance, Earnings, and Capital. A quantitative descriptive design is applied, using purposive sampling to select 13 BUS based on the availability of published annual financial reports. Secondary data were obtained through documentation and evaluated descriptively according to regulatory standards. The findings show that Islamic Commercial Banks are generally in a healthy condition. The average Non-Performing Financing (NPF) reached 1.1%, far below the 5% threshold, and most Financing to Deposit Ratios (FDR) were within the healthy range of 80–110%. In terms of governance, most banks received a “Good” rating for Good Corporate Governance (GCG). Profitability performance, measured by ROA and ROE, varied widely, with BTPN Syariah achieving the strongest results, while Bank Syariah Bukopin recorded the weakest performance due to negative ROA. All BUS displayed strong capital levels, indicated by Capital Adequacy Ratios (CAR) well above the 8% minimum. Overall, BUS health in 2024 is considered good, although several banks require improvement in profitability and intermediation. These results are useful for regulators, bank management, investors, and the public in making informed decisions.
Integrasi Prinsip ESG dan Keuangan Etis Islam dalam Pembentukan Portofolio Investasi Syariah: Sebuah Kerangka Konseptual Muhammad Farras Hanif; Ai Kokoy Koyyimah
Niqosiya: Journal of Economics and Business Research Vol. 6 No. 1 (2026): January-June 2026
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v6i1.6365

Abstract

Introduction: This study aims to examine the integration of Environmental, Social, and Governance (ESG) principles and Islamic ethical finance in developing Islamic investment portfolios. Currently, Islamic investments emphasize Shariah compliance rather than prioritizing social and environmental aspects in stock screening. This study proposes a more comprehensive Islamic investment portfolio framework by aligning Islamic principles with sustainable finance practices to bridge this gap. Research Methods: This study uses a qualitative descriptive approach with literature studies from various sources such as journals, regulations, and related documents. Results: The results of this study indicate that ESG aligns with the Maqasid Al-Shariah principles and can be used as a complement to the investment selection process. The study proposes a conceptual framework for integrating ESG and Islamic ethical finance through several key stages, including Sharia screening, ESG screening, ethics-based portfolio development, and continuous governance and monitoring. Conclusion: This study contributes by offering a conceptual model for integrating ESG and Islamic ethical finance into Islamic investment portfolio management. The proposed framework provides practical implications for investors and the Islamic finance industry in developing more sustainable, ethical, and socially responsible investment strategies, while also opening avenues for future empirical research.
Penguatan Nilai-Nilai Ekonomi dan Keuangan Islam di Kalangan Siswa SMK Bumi Sejahtera, Kabupaten Bogor, Jawa Barat Muhammad Faiz Andeaz Fawwaz; Muhammad Farras Hanif; Ai Kokoy Koyyimah; Rina Nur Shabrina
BERNAS: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 3 (2026)
Publisher : Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/jb.v7i3.17860

Abstract

Rendahnya tingkat literasi keuangan di kalangan pelajar usia 15–17 tahun merupakan tantangan signifikan di tengah pesatnya perkembangan industri keuangan syariah dan meningkatnya praktik keuangan ilegal di Indonesia, seperti pinjaman daring dan pinjaman digital tanpa izin. Program pengabdian kepada masyarakat ini bertujuan untuk memperkuat literasi pelajar dalam bidang ekonomi dan keuangan Islam, mencakup aspek-aspek utama yang meliputi keuangan sosial Islam (wakaf), industri halal, serta etika dan pelaporan keuangan syariah. Kegiatan dilaksanakan di SMK Bumi Sejahtera, Kabupaten Bogor, dengan melibatkan 120 siswa dari jurusan Akuntansi. Pelaksanaan menggunakan pendekatan edukatif melalui sesi penyuluhan dan seminar, dengan instrumen evaluasi berupa pre-test dan post-test yang dianalisis menggunakan metode Normalized Gain (N-Gain). Hasil menunjukkan tingkat efektivitas yang tinggi, dengan skor N-Gain sebesar 0,78. Peningkatan signifikan dalam hasil belajar teramati, di mana proporsi siswa yang mencapai nilai sempurna meningkat dari 23% pada pre-test menjadi 77% pada post-test. Peningkatan ini menunjukkan bahwa intervensi literasi secara langsung efektif dalam membekali siswa dengan pengetahuan ekonomi Islam yang komprehensif sebagai persiapan memasuki dunia kerja.
Co-Authors Ai Kokoy Koyyimah Muhammad Faiz Andeaz Fawwaz Najim Nur Fauziah Rina Nur Shabrina