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All Journal Journal of Shariah Economics
M. Nashrullah
UIN Sayyid Ali Rahmatullah Tulungagung
Religion Economics, Econometrics & Finance Education Social Sciences Other

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Dana Pihak Ketiga dan Non Perfoming Financing: Kunci Laba Bersih Bank Muamalat Indonesia Periode 2020-2024 Ahmad Ibnul Karim; Nila Nafisatul Bashiroh; Ahmad Fatan Al Banna; M. Nashrullah
JOURNAL OF SHARIA ECONOMICS Vol 8 No 1 (2026): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v8i1.1424

Abstract

This research is motivated by the importance of maintaining the profitability and financial performance of Bank Muamalat Indonesia. Net income is a key indicator, but in the 2020–2024 period, it fluctuated due to internal factors. Third-party funds (TPF) and non-performing financing (NPF) are important indicators reflecting bank health, especially in unstable economic conditions, as poor NPF management can directly reduce net income. This study aims to examine the effect of TPF and NPF on Net Income at Bank Muamalat Indonesia for the 2020–2024 period. This study uses a quantitative approach with secondary data sourced from Bank Muamalat Indonesia's financial statements. Data analysis was conducted using multiple linear regression to examine the relationship between the independent and dependent variables. The results show that both variables simultaneously have a significant effect on net income, but partially only NPF has a negative and significant effect, while TPF has no significant effect. These findings confirm that effective financing risk management is a key factor in maintaining profit stability and financial performance at Bank Muamalat Indonesia amid fluctuating economic conditions..
Peran Strategis Manajemen Keuangan Dalam Meningkatkan Profitabilitas Dan Kinerja Bisnis Syariah M. Nashrullah; Ahmad Fatan Al Banna; Agus Eko Sujianto; Amalia Nuril Hidayati
JOURNAL OF SHARIA ECONOMICS Vol 8 No 1 (2026): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v8i1.1425

Abstract

Sharia financial management is a financial management system based on the principles of the Qur'an and Hadith, emphasizing transparency, fairness, and accountability in business activities. This study aims to analyze the role of Sharia financial management in improving the profitability and performance of Sharia-based businesses in Indonesia. The research method uses a qualitative approach through library research, reviewing various scientific literature, books, journals, and relevant previous research. The results show that the effective implementation of Sharia financial management can optimize cash flow, minimize financial risk, and increase company stability in facing global economic dynamics. Furthermore, the application of non-usury principles and measured fund management can increase investor confidence and consumer loyalty. Thus, Sharia financial management is an important strategy for increasing competitiveness, business sustainability, and sustainable economic prosperity.
Co-Authors Agus Eko Sujianto Ahmad Fatan Al Banna Ahmad Ibnul Karim Amalia Nuril Hidayati Nila Nafisatul Bashiroh