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All Journal Falah : Jurnal Ekonomi Syariah Jurnal Ilmiah Manajemen "E M O R" Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Jurnal Penelitian Ekonomi Akuntansi (JENSI) Journal of Sharia Economics Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah Journal of Islamic Economics, Management, and Business (JIEMB) Solidaritas: Jurnal Pengabdian ADILLA: Jurnal Ilmiah Ekonomi Syari'ah J-EBI Jurnal Ekonomi dan Bisnis Islam SETARA: Jurnal Studi Gender dan Anak Maliki Islamic Economics Journal Journal International Dakwah and Communication AT-TIJARAH: Journal Islamic Banking and Finance Research Jurnal Akuntansi dan Keuangan Islam (JAKIs) Al-Aflah Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Muttaqin, Ibnu
Institut Agama Islam Negeri Kudus
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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How is the Company’s Financial Performance After Merger with the Economic Value Added Approach? Ibnu Muttaqin; Kharis Fadlullah Hana
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 11, No 1 (2023)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v11i1.7157

Abstract

The objective of this research is to find out whether the merger decision is correct with more appropriate indicators compared to other financial indicators. The comparison of Economic Value Added (EVA) values, both between Islamic banks before merger and before and after merger. Through a quantitative approach with data two years before merger, from 2019-2020 and two years after the merger from 2021-2022. Paired samples t-test was used as a statistical approach. It can be concluded from the results of the different tests before merger, there is no significant difference between BRIS and BNIS, while between BSM and BRIS and BNIS there is a significant difference with the EVA value of BSM not being better than BRIS and BNIS. Furthermore, in the pre- and post-merger it was found that the EVA values were significantly different, with the average EVA value after merger being better than before. Refer ot this study, it can be concluded that the decision of merger is effective.
A Cross-Country Analysis of Islamic Bank’s Performance in Malaysia and Indonesia Moh. Nurul Qomar; Sulistya Rusgianto; Ibnu Muttaqin; Athi’ Hidayati
Falah: Jurnal Ekonomi Syariah Vol. 9 No. 1 (2024): FEBRUARY
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v9i1.31489

Abstract

This study aims to examine the financial performance of Islamic banks in Indonesia and Malaysia, with a specific focus on optimizing shareholder value. The assessment includes efficiency, market share, interest rates, inflation and economic growth as crucial criteria in comprehending the success of Islamic banks in each country. The secondary data is derived from the annual reports of 25 Islamic banks in Indonesia and Malaysia, with a focus on characteristics pertaining to operational efficiency and market share. Furthermore, data is obtained from Bank Indonesia (BI) to gather statistics regarding inflation, interest rates, and GDP growth from the years 2018 to 2021. The study used panel data regression with a random effects model as the most accurate estimator. The results of the panel data regression analysis suggest that inflation has a favorable effect on return on equity (ROE), while GDP growth has a beneficial impact on return on assets (ROA). This research highlights the importance of enhancing inflation risk management and making strategic adaptations to the business plans of Islamic banks in Malaysia and Indonesia. This  research enhances the scholarly comprehension of the variables affecting the efficiency of Islamic banks in diverse economic conditions.
Determinants of Production, International Trade Price Index (IHPI) and the Rupiah Exchange Rate on Indonesian Palm Oil Exports in 2007-2021 Azzahra, Lailatul Maulida; Dzuriyah, Tsaniyatul; Rahati, Yeni Ayu; Andni, Riyan; Muttaqin, Ibnu; Johanna, Anne; Avinash, Buschhaus; Bevoor, Bevoor
Journal International Dakwah and Communication Vol. 3 No. 2 (2023)
Publisher : Sekolah Tinggi Agama Islam Al-Hikmah Pariangan Batusangkar, West Sumatra, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55849/jidc.v3i2.407

Abstract

This research is motivated by the export of palm oil from Indonesia to Malaysia where there are inconsistencies in the determinants that affect the value of exports which can be seen from the number of production levels, the international trade price index (IHPI) and the rupiah exchange rate. speed. This shows the need for research. more about palm oil exports. In this study aims to determine, analyze, explain the influence of Indonesian palm oil exports to Malaysia. The type of research used is quantitative research supplemented by data for the period 2007 to 2021 sourced from the Central Bureau of Statistics (BPS). The data analysis technique used in this study is the Multiple Regression test which includes the Classical Assumption Test, and the Hypothesis Test. The results of the two tests show that in terms of production volume, the International Trade Price Index (IHPI) tends to be positive and not significant, while the rupiah exchange rate tends to be negative and not significant. This means that Indonesian palm oil exports to Malaysia have increased and decreased unbalanced, so these export activities require a strategy that can emphasize export figures by providing information to domestic and foreign investors, both private and government agencies, to pay more attention to several governments.  
Religiosity and Consumer Acceptance of the Use of Islamic Digital Banking Services in Indonesia: An Extension of the UTAUT Model Muttaqin, Ibnu
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 8 No 2 (2024)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v8i2.4473

Abstract

The banking world responds to the concept of SDG's with the concept of Green Banking. The implementation of Green Banking is a demand of the current era, one of which is by implementing Digital Banking, both Digital Services and Digital Banks that have begun to exist in Indonesia. Measurement of digital service acceptance can refer to UTAUT theory, in Islamic banking it is suspected that religiosity contributes to the behaviour of digital service users. This research was conducted using quantitative descriptive techniques. Data was taken by distributing questionnaires obtained 186 respondents. The results show that performance expectations, business expectations, and facility conditions have no significant effect on interest in using, while social influence variables, interest in using, and religiosity are proven to have an effect with a positive coefficient direction. The results of the study recommend that companies focus on marketing strategies by utilizing social influence in the community and continue to increase public interest through promotions and other marketing activities. The religiosity side of customers also needs to be considered considering that it has a contribution to the behaviour of using digital services of Islamic banks in Indonesia.
PENGARUH WORD OF MOUTH , LITERASI KEUANGAN SYARIAH DAN KUALITAS PELAYANAN TERHADAP KEPUTUSAN MENJADI NASABAH BANK SYARIAH : THE INFLUENCE OF WORD OF MOUTH, ISLAMIC FINANCIAL LITERACY AND SERVICE QUALITY ON THE DECISION TO BECOME A CUSTOMER OF ISLAMIC BANK Nafiah, Hidayatun; Abellia, Risma Fara; Ardianti, Ita Safitri; Muttaqin, Ibnu
Jurnal Ilmiah Manajemen Emor (Ekonomi Manajemen Orientasi Riset) Vol. 8 No. 2 (2024): Desember
Publisher : Universitas Muhammadiyah Luwuk Banggai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32529/jim.v8i2.3349

Abstract

Lembaga keuangan bank di Indonesia secara umum dapat dibedakan enjadi bank syariah dan bank konvensional. Pada dasarnya baik bank syariah maupun bank konvensional sama-sama melakukan kegiatan menghimpun dan menyalurkan dana kepada masyarakat, namun segala bentuk kegiatan yang dilakukan oleh bank syariah harus sesuai dengan prinsip syariah. Persaingan antara Bank Konvensional dan Bank Syariah di Indonesia merupakan salah satu hal menjadi fokus perhatian para pengelola perbankan khususnya yang berkaitan dengan nasabah, terlebih lagi Bank Syariah Indonesia masih tergolong baru hasil dari penyatuan beberapa Bank Syariah. Penelitian ini bertujuan untuk mengetahui pengaruh word of mouth, literasi keuangan syariah dan kualitas pelayanan terhadap keputusan menjadi nasabah bank syariah. Teknik pengambilan sampel mengunakan metode purposive sampling melalui penyebaran kuesioner dengan jumlah 100 responden. Berdasarkan hasil analisis ditemukan bahwa word of mouth tidak berpengaruh secara signifikan terhadap keputusan menjadi nasabah sedangkan literasi keuangan syariah dan kualitas pelayanan berpengaruh signifikan terhadap keputusan menjadi nasabah bank syariah. Tingkat signifikansi masing-masing variabel sama yaitu sebesar 0,05 dan nilai t hitung masing-masing variabel adalah 0,809 untuk X1, 3,887 untuk X2, dan 5,556 untuk X3.
PENGARUH EFISIENSI, KEAMANAN DAN KEMUDAHAN TERHADAP MINAT NASABAH BERTRANSAKSI MENGGUNAKAN MOBILE BANKING PERBANKAN SYARIAH: THE EFFECT OF EFFICIENCY, SECURITY AND CONVENIENCE ON CUSTOMERS' INTEREST IN TRANSACTING USING SYARIAH BANKING MOBILE BANKING Damayanti, Diana Nadya Agustina; Ananta, Muhammad Erian Vigo; Sari, Sista Aliya; Banu, Ibnu Muttaqin, M.E.
Jurnal Ilmiah Manajemen Emor (Ekonomi Manajemen Orientasi Riset) Vol. 8 No. 2 (2024): Desember
Publisher : Universitas Muhammadiyah Luwuk Banggai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32529/jim.v8i2.3353

Abstract

Hadirnya mobile banking memberikan dampak positif karena dapat memenuhi apa yang dibutuhkan nasabah dengan pelayanan yang cepat, aman, nyaman, murah dan kemudahan dalam mengakses. Tujuan penelitian ini adalah untuk mengetahui pengaruh efisiensi, keamanan, dan kemudahan terhadap minat nasabah bertransaksi menggunakan mobile banking perbankan syariah. Penelitian ini menggunakan metode kuantitatif dengan teknik pengumpulan data melalui penyebaran kuesioner kepada 100 responden serta menggunakan metode analisis berganda menggunakan bantuan software IBM SPSS Versi 29. Hasil penelitian ini menunjukkan bahwa variabel efisiensi, keamanan, kemudahan berpengaruh signifikan terhadap minat nasabah bertransaksi menggunakan mobile banking.
PENERAPAN MODEL TAM PADA BANK DIGITAL JAGO SYARIAH Kartika Sari, Windy; Realita, Tasnim Nikmatullah; Muttaqin, Ibnu
Journal of Sharia Economics Vol. 6 No. 1 (2025): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v6i1.6074

Abstract

Secara khusus penelitian ini bertujuan untuk mengetahui persepsi manfaat, persepsi kemudahan, dan fitur layanan syariah terhadap minat penggunaan melalui sikap pada layanan digital bank jago syariah. Jenis penelitian yang digunakan pada penelitian ini adalah field research atau penelitian lapangan dengan pendekatan kuantitatif. menggunakan teknik accidental sampling, dalam pengambilan sampel. Dalam penelitian ini pengelohan data menggunakan analisis jalur (path analysis) dengan metode partial square menggunakan program PLS dengan tahapan uji outer model, uji inner model dan uji hipotesis menggunakan software Smart-PLS versi 4.0.1.9. hasil penelitian menunjukkan bahwa persepsi manfaat, persepsi kemudahan, dan fitur layanan syariah berpengaruh positif dan signifikan terhadap sikap penggunaan layanan digital Bank Jago Syariah, juga berpengaruh positif dan signifikan terhadap minat melalui sikap sebagai variabel mediasi, serta sikap berpengaruh positif dan signifikan terhadap minat penggunaan layanan digital Bank Jago Syariah. Berdasarkan hasil penelitian, dapat diimplikasikan untuk mengacu pada upaya optimalisasi terhadap penggunaan suatu teknologi baru. Dan hal tersebut dapat tercapai dengan selalu meningkatkan kualitas kegunaan serta fiturnya pada layanan digital.
THE IMPACT OF FINANCIAL LITERACY, FINANCIAL BEHAVIOR, AND INCOME ON FINANCIAL PLANNING FOR CHILD’S EDUCATION FUNDS Cahya, Bayu Tri; Erlita, Ika; Muttaqin, Ibnu
Jurnal Studi Gender dan Anak Vol 5 No 01 (2023): SETARA: Jurnal Studi Gender dan Anak
Publisher : Center of Gender Studies and Child of State Islamic Institute of Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/jsga.v5i01.6764

Abstract

This study aims to determine the effect of financial literacy, financial behavior, and income on financial planning in children's education funds. This type of research is quantitative research with causal methods. The population of this study is housewives who live in Kotakan Village, Karanganyar District, Demak Regency. The sampling technique used was purposive sampling and a sample of 95 respondents was obtained. Data collection techniques using a questionnaire. The analytical method used is multiple linear regression analysis with SPSS 25 software. The results of the study state that financial literacy has a positive and significant effect on financial planning in children's education funds. Income has a positive and significant effect on financial planning in children's education funds. Financial behavior has a positive and insignificant effect on financial planning in children's education funds.
Unveiling Profitability Drivers in ASEAN Islamic Banking: A Panel Data Analysis Muttaqin, Ibnu
Maliki Islamic Economics Journal Vol 5, No 1 (2025): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v5i1.33867

Abstract

This study examines the determinants of profitability in Islamic banking across five Association of Southeast Asian Nations (ASEAN) countries, including Indonesia, Malaysia, Brunei Darussalam, the Philippines, and Thailand, from 2018 to 2022. Using panel data regression, the study examines both Return on Assets (ROA) and Return on Equity (ROE) as measures of profitability. The population consists of all Islamic banks operating in the ASEAN region. Through purposive sampling, the study selected 127 data observations from banks with complete and consistent financial data. The models were estimated using Fixed Effect Models (FEM) with robust standard errors to correct for heteroskedasticity. The findings reveal that efficiency, Market Concentration (HHI), and inflation consistently have a positive and significant impact on both ROA and ROE. Financing to Deposit Ratio (FDR) positively affects only ROE, while Gross Domestic Product (GDP) unexpectedly shows a negative relationship with ROE. Other variables such as bank size, market share, and the Sharia Supervisory Board (SSB) are statistically insignificant. These results suggest that internal efficiency and market structure are more critical to Islamic bank profitability than macroeconomic scale or governance mechanisms. This study fills the empirical gap in the literature by offering comparative insight into Islamic bank performance across the ASEAN region.
Pengaruh Risiko Kredit dan Bank Size Terhadap Profitabilitas Bank Umum Syariah milik BUMN di Indonesia Sebelum Merger Muttaqin, Ibnu; Qomar, Moh. Nurul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 1 (2022): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i1.2813

Abstract

The objective of the research is to discuss the relationship between the internal factors of bank profitability of Islamic commercial banks belonging to State-Owned Enterprises (BUMN) in Indonesia before the merger. The independent variables are credit risk which is represented by non-performing loan and loan loss provision and bank size, with the dependent variable is bank profitability using two proxies return on asset and return on equity. This study uses secondary data from quarterly reports with population data before 2020 (before the merger). The sample used the purposive sampling method from 2016 to 2020, to obtain 60 data. This study uses panel data analysis. The results show that NPL has a significant negative effect on profitability both ROA and ROE, while LLP has no effect on profitability both ROA and ROE, bank size has a significant negative effect on ROA but has no effect on ROE
Co-Authors Abellia, Risma Fara Afandi, Johan Afriandi Jualiansyah Agep Rumanto Ahmad Taufik Hidayat Alif Ilham Akbar Fatriansyah Ananta, Muhammad Erian Vigo Andni, Riyan Ardianti, Ita Safitri Athi’ Hidayati Avinash, Buschhaus Azzahra, Lailatul Maulida Bayu Tri Cahya Bevoor, Bevoor Damayanti, Diana Nadya Agustina Dwi Sekar Utami Dzuriyah, Tsaniyatul Erlita, Ika Faiz Alfiyan Fitria Nailal Khilda Hidayatun Nafiah, Hidayatun Ika Erlita Istikomah Istikomah Johanna, Anne Kartika Sari, Windy Kharis Fadlullah Hana Moch Adika Saputra Moh. Nurul Qomar Moh. Nurul Qomar Moh. Nurul Qomar, Moh. Nurul Na'imah, Nila Charirotan Noor Khumaidah Putri adelia. Putri Rahati, Yeni Ayu Rini Rini Rizkiyah, Dwi Zuliana Santi Wulandari Saputra, Moch. Adika Sari, Sista Aliya Septiana Wurianti Shabrina, Awwaliyatu Silvi Amelia Febriyani Sulistya Rusgianto Susi Susanti Tasnim Nikmatullah Realita Wulandari, Santi Zawaid Shofin Niam