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All Journal Jurnal Ekonomi Syariah dan Bisnis Kasta: Jurnal Ilmu Sosial, Agama, Budaya dan Terapan
Anton Bawono
UIN Sunan Kalijaga
Economics, Econometrics & Finance Education Social Sciences

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Rasionalitas Berkonsumsi dalam Ekonomi Islam Mardyan Nugraha Ridhowati; Anton Bawono; Rina Rosia
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 9 No. 1 (2026)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v9i1.16335

Abstract

This study aims to analyze the rationality of consumption in Islamic economics. This study uses a qualitative method with a library research type. The results of this study began with a crisis of thought regarding the assumption of conventional rationality that fails to represent the complexity of human motivation as a rational and systematic homo economicus actor in pursuing personal interests to maximize economic profits. Islamic economic rationality emerged as a solution with the emergence of the concept of homo islamicus whose actions are based on law the Qur'an and sunnah Al-Hadith and guided by the values ​​of monotheism, trustworthiness, and justice. Islamic economists consider the concept of Homo Economicus not yet reflecting noble humans because it does not contain Islamic morals and teachings. Homo Islamicus provides a picture of human economic behavior in Islam that does not only prioritize personal interests but also pays attention to social and spiritual welfare. In fact, rationalism in Islamic economics is in line with the principle of Maqasid al-Shari'ah, namely maintaining the five main aspects of human life, namely aiming to maintain and preserve the Islamic religion, human rights, reason, descendants, and property.
Analysis Of the Effect of Financial Ratios and Operating Expenses on The Profitability of Islamic Banks with Non-Performing Financing (NPF) As A Moderating Variable Lukman Nurjati; Anton Bawono
KASTA : Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Vol. 6 No. 1 (2026): April
Publisher : Lembaga Bale Literasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58218/kasta.v6i1.2702

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operating Expenses to Operating Income (BOPO) on profitability proxied by Return on Assets (ROA) with Non Performing Financing (NPF) as a moderating variable in Islamic Commercial Banks in Indonesia during the 2020–2024 period. This research employs a quantitative approach using secondary data obtained from the annual financial reports of Islamic Commercial Banks and the Islamic Banking Statistics published by the Financial Services Authority (OJK). The research sample consists of 12 Islamic Commercial Banks selected using purposive sampling, resulting in 60 observations during the research period. The analytical method used is panel data regression with Moderated Regression Analysis (MRA) to examine the influence of independent variables and the role of the moderating variable. The results show that CAR and FDR have a positive and significant effect on ROA, while BOPO has a negative and significant effect on ROA, and NPF has a positive and significant effect on ROA. Furthermore, the moderation analysis indicates that NPF weakens the influence of CAR and FDR on ROA while strengthening the effect of BOPO on ROA. These findings indicate that the management of capital adequacy, liquidity, operational efficiency, and financing quality plays an important role in improving the profitability of Islamic Commercial Banks in a sustainable manner.
Co-Authors Lukman Nurjati Mardyan Nugraha Ridhowati Rina Rosia