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p-Index From 2021 - 2026
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All Journal Journal of Artificial Intelligence and Digital Business
Maria Ulfah
IAIN Datuk Laksemana Bengkalis
Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering

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Pengaruh Nilai Tukar Rupiah terhadap Profitabilitas Bank Syariah di Indonesia Periode 2021-2025 Maria Ulfah; Elma Elma; Nurul Wardatul Jannah; Mizan Abrory
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.10842

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh nilai tukar rupiah terhadap profitabilitas bank syariah di Indonesia selama periode 2021–2025. Nilai tukar merupakan indikator makroekonomi yang dapat memengaruhi aktivitas pembiayaan, investasi, biaya operasional, kualitas aset, serta kemampuan bank dalam menghasilkan laba. Profitabilitas dalam penelitian ini diukur menggunakan Return on Assets (ROA). Penelitian menggunakan pendekatan kuantitatif asosiatif dengan memanfaatkan data sekunder bulanan yang bersumber dari publikasi Bank Indonesia dan Otoritas Jasa Keuangan. Data penelitian terdiri atas 60 observasi dari Januari 2021 hingga Desember 2025. Analisis dilakukan melalui statistik deskriptif, regresi linear sederhana, uji parsial, uji kelayakan model, dan koefisien determinasi dengan tingkat signifikansi 5 persen. Hasil penelitian menunjukkan bahwa nilai tukar rupiah mengalami pelemahan dari sekitar Rp14.300 menjadi Rp16.365 per dolar Amerika Serikat, sedangkan ROA bank syariah meningkat dari 1,55 persen menjadi 2,61 persen. Hasil regresi memperlihatkan bahwa nilai tukar rupiah berpengaruh positif dan signifikan terhadap profitabilitas bank syariah. Koefisien determinasi sebesar 99,9 persen menunjukkan kuatnya keterkaitan kedua variabel dalam model penelitian. Temuan ini mengindikasikan bahwa bank syariah mampu mempertahankan dan meningkatkan kinerja keuangan melalui pengelolaan pembiayaan, efisiensi operasional, serta manajemen risiko di tengah perubahan kondisi makroekonomi. Penelitian ini dapat menjadi bahan pertimbangan bagi manajemen bank dan regulator dalam merumuskan strategi pengelolaan risiko nilai tukar dan menjaga keberlanjutan profitabilitas
OJK and Bank Indonesia Regulatory Compliance as a Determining Factor of Fintech Business Feasibility in Indonesia Reynelda Sheba; Maria Ulfah
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.11133

Abstract

Indonesia's fintech industry has developed rapidly over the past decade, ranking among the most dynamic in the national digital economy ecosystem. Amid this rapid growth, compliance with regulations issued by the Financial Services Authority (OJK) and Bank Indonesia (BI) has become a decisive factor in determining fintech business feasibility to operate legally and sustainably. This study aims to analyze the role of OJK and BI regulatory compliance as a determining factor of fintech business feasibility in Indonesia. The method used is a literature review with a qualitative descriptive approach, examining relevant regulations, scientific publications, and recent industry reports. The findings show that regulatory compliance is not merely a legal obligation but a strategic foundation that determines investor confidence, consumer protection, and the operational continuity of fintech businesses. Compliance with prevailing rules creates a healthy business climate and significantly reduces potential legal and reputational risks. Conversely, non-compliance has been clearly proven to be a main factor behind the failure of several fintech businesses in Indonesia, due to license revocation or loss of public trust. Therefore, integrating regulatory compliance aspects into business feasibility studies is crucial. This research is expected to contribute to enriching the understanding of legal aspects in business feasibility studies, particularly in the rapidly growing digital financial services sector.
Co-Authors Elma Elma Mizan Abrory Nurul Wardatul Jannah Reynelda Sheba