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All Journal Entrepreneurship and Community Development Research of Islamic Economics (RIE)
Nida Nadya Hasan
Faculty of Economics and Business, YARSI University, Jakarta
Economics, Econometrics & Finance

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Post-Pandemic Profitability of Islamic Commercial Banks in Indonesia: Evidence from Financing Risk, Liquidity, Asset Quality, and Capital Adequacy Nida Nadya Hasan; Elsafath Fadila Cahyaningrum
Research of Islamic Economics Vol. 4 No. 1 (2026): JULY 2026
Publisher : SAN Scientific

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58777/rie.v4i1.611

Abstract

This study examines the effects of Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), Productive Asset Quality (KAP), and Capital Adequacy Ratio (CAR) on the profitability of Islamic Commercial Banks in Indonesia, measured by Return on Assets (ROA), during the 2020–2023 post-pandemic period. The study addresses inconsistent findings regarding the effects of financing quality, liquidity, asset quality, and capital adequacy on profitability. The 2020–2023 period represents the post-pandemic recovery, characterized by shifts in financing demand, risk exposure, and digital transformation. A quantitative approach was employed using secondary data from the annual financial reports of 12 Islamic Commercial Banks published by the Financial Services Authority (OJK). Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4. The results indicate that NPF, FDR, KAP, and CAR have no significant effect on ROA during the observation period. These findings suggest that Islamic bank profitability is influenced more by operational efficiency and macroeconomic conditions than by these financial ratios. This study provides updated evidence on the determinants of profitability and the resilience of Islamic banking performance in Indonesia during the post-pandemic recovery.
Empowering Housewives through Pipe-Cleaner Flower Craft Training: Strengthening Creative Entrepreneurship and Household Economic Resilience Rini Hidayati; Nida Nadya Hasan; Elmanizar Elmanizar; Diyah Nur Anggraini
Entrepreneurship and Community Development Vol. 4 No. 1 (2026): MAY 2026
Publisher : Santoso Academy Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58777/ecd.v4i1.604

Abstract

This community service program aimed to empower homemakers in the Pamulang Indah Complex through wire flower-making training integrated with basic entrepreneurship education. The program was initiated in response to the limited technical skills and entrepreneurial literacy among women, despite their potential contribution to supporting household income. The implementation employed a participatory, applied approach comprising preliminary surveys, planning, pre-tests, entrepreneurship counseling, hands-on training sessions, and post-test evaluations. A total of 60 housewives participated in the activity. The evaluation results demonstrated noticeable improvements in participants' understanding of entrepreneurship, development of creativity, and technical skills in producing wire-flower handicrafts. Participants also showed greater self-confidence and enthusiasm in exploring home-based business opportunities after completing the training. Furthermore, they were able to create aesthetically valuable products with market potential independently. The program strengthened household economic resilience, encouraged women's empowerment, and supported the growth of community-based creative economic activities. From a managerial perspective, the findings emphasize the importance of continuous mentoring, product innovation, packaging enhancement, and digital marketing support to ensure the sustainability, competitiveness, and long-term development of small-scale creative businesses within the community.
Co-Authors Diyah Nur Anggraini Elmanizar Elmanizar Elsafath Fadila Cahyaningrum Rini Hidayati