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Analisis Kinerja Keuangan Bank Umum Syariah di Indonesia berdasarkan Islamicity Performance Index Periode 2015-2019 Fakhry Hafiyyan Kurniawan; A. Jajang W. Mahri; Rumaisah Azizah Al Adawiyah
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 2 (2021): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Islamic Commercial Banking in Indonesia generally has not fully carry out business activities in accordance with sharia provisions. Therefore, there is a need for a performance measurement tool that is able to express spiritual and social values embodied in Islamic banks. The purpose of this study is to describe the performance of Islamic banking based on Islamicity Performance Index. This research is a quantitative research using descriptive analysis. The data used in this research is secondary data. The study population was Islamic banks in Indonesia during the period 2015-2019, with a sample of twelve banks. Sampling was done by using purposive sampling method. The results showed Panin Dubai Sharia Bank was the best bank in the Profit Sharing Ratio (PSR) indicator. The value of Zakat Performance Ratio (ZPR) in Islamic banking in Indonesia is still low. BNI Sharia is the bank with the highest average value for the ZPR indicator. Equitable Distribution Ratio (EDR) indicates that Mandiri Sharia Bank has the highest average value. Directors-Employees Welfare Ratio (DEWR) shows that BTPN Sharia have fairly high levels of disparity between directors and employees. IIR and IsIR shows that in general Islamic commercial banks in Indonesia have carried out businesss performance in the halal sector. Meanwhile, overall, it received a satisfactory predicate. This research is expected to be taken into consideration for the related institutions to apply the performance measurement of Islamic Commercial Banking in accordance with the concept of Islamicity Performance Index, and be taken into consideration in taking policy measures in accordance with the concept of sharia that will be used in the future.

Pengaruh Risiko Pembiayaan Akad Murabahah, Musyarakah, dan Mudharabah terhadap Profitabilitas BPRS di Indonesia Tahun 2011-2019 Silvia Isfiyanti; Rozmita Dewi Yuniarti; Rumaisah Azizah Al Adawiyah
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 12 No 1 (2020): Jurnal Ekspansi Mei 2020
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v12i1.1926

Profitability is the ability of the company to generate profits to determine the company's financial performance. The development of Non Performing Financing at BPRS is in high ratio, besides that the development of Return on Assets fluctuates but tends to decline. This indicates the existence of problems faced by BPRS in maximizing the profit to be obtained. This study aims to determine the effect of Murabahah financing (NPF), Musyarakah financing (NPF), and Mudharabah financing (NPF) risks on BPRS Return on Assets (ROA) in Indonesia in 2011-2019. The research method that used is a quantitative method using multiple linear regression analysis. The results showed that the financing risk (NPF) of the Murabahah, Musyarakah, and Mudharabah effect on ROA. Partially, the risk of Murabahah financing results on it has a significant effect on ROA in a negative direction, while the risk of Musyarakah financing has no significant effect on ROA in a positive direction, besides the risk of Mudharabah financing has a significant and significant effect on ROA in a positive direction. The findings of this study produce implications whether the financing risk on the Murabahah, Musyarakah, and Mudharabah financing increases, the Return on Assets will decrease, and if it lefts unchecked will affect the financial performance of the company and the market share of Islamic banking.

ANALISIS DETERMINAN PEMBIAYAAN BERMASALAH PADA BANK UMUM SYARIAH DI ASIA TENGGARA Juliana Juliana; Risna Febriyanti; Rumaisah Azizah al-Adawiyah; Ropi Marlina; Dadan Hamdani
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 14 No 1 (2022)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v14i1.3672

Purpose -The purpose of this study is to examine the differences in non-performing financing and the factors that influence it in Islamic commercial banks in Southeast Asia, which include Islamic banks in Indonesia, Malaysia and Brunei Darussalam. Design / Methodology / Approach - The research method used is a comparative and verification method using panel data regression analysis using Eviews 9 software and SPSS. Findings - The results of the study indicate that the Return on Assets (ROA) variable has a negative and significant effect on non-performing financing, Operating Income Operating Expenses (BOPO) has no effect on non-performing financing, Gross Domestic Product (GDP) has a positive and significant effect and there are also differences in non-performing financing. in Islamic commercial banks in Southeast Asia. Practical Implications - Islamic commercial banks must consider various solutions and financing operations through analysis of both internal and external factors. For Islamic banks, it is very important to analyze through internal factors in order to avoid various problems caused by bank errors in financing distribution. In addition to internal factors, external factors can also affect non-performing financing. This external factor can be seen through the failure of the customer's business to do financing and also the unhealthy economic conditions. External factors are equally important to see the various behaviors that occur in customers. Originality / Value - This research is a research that is still rarely done because it not only examines the factors that affect non-performing financing but also looks at the differences in the non-performing financing of Islamic commercial banks in Southeast Asia, especially Indonesia, Malaysia, and Brunei Darussalam. Keywords: Non Performing Financing, Return on Assets, BOPO, Gross Domestic Product Paper Type: Research Paper

Halal Awareness : Pengaruhnya Terhadap Keputusan Pembelian Konsumen Shopee dengan Religiositas Sebagai Variabel Moderasi Juliana Juliana; Muhamad Wafa Rizaldi; Rumaisah Azizah Al-Adawiyah; Ropi Marlina
Coopetition : Jurnal Ilmiah Manajemen Vol. 13 No. 2 (2022): Coopetition : Jurnal Ilmiah Manajemen
Publisher : Program Studi Magister Manajemen, Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/coopetition.v13i2.1423

Purpose- This study aims to determine and analyze the effect of the halal awareness variable on Indonesian Muslim consumers on purchasing decisions at Shopee with religiosity as a moderating variable. Design/Methodology/Approach – Using quantitative descriptive methods, this study analyzes responses to questionnaires distributed to 264 respondents from Indonesia. To prove this hypothesis, the data collected was analyzed by partial least squares (SEM-PLS) using SmartPLS. Findings – This research shows that the Halal Awareness variable has a significant and significant effect on product purchasing decisions at Shopee with religiosity as a moderating variable. This finding confirms that halal awareness and religiosity factors are very important in encouraging Muslim consumers in Indonesia to make decisions to purchase halal products at Shopee. Practical Implication – In order to improve purchasing decisions in buying halal products in e-commerce, especially Shopee. then the role of the government will be very necessary in socializing and re-promoting the concept of halal lifestyle, especially in buying online products in e-commerce optimally in various platforms, such as social media, seminars, workshops and several other media. Then, business actors in various fields of goods production with online and e-commerce sales media are also required to increase awareness to support and develop halal products by certifying halal products, halal labeling and seeing the importance of halal products to become one of the promising types of products. and sell well in the market and also safe for consumers. Originality/Value – This study is the first to examine the effect of halal awareness on purchasing decisions of Indonesian Muslim consumer products at Shopee with religiosity as a moderating variable. This study succeeded in revealing the strengths and weaknesses of religiosity in influencing halal awareness of product purchasing decisions at Shopee.

Green Park Energy sebagai Strategi Inovatif Peningkatan Energi Terbarukan di Indonesia Berbasis Green Wakaf Hardiansyah, Kiki; Kanthi Pawening Tyas; Qintar Alifah Ristiana; Risma; Tuti; Rumaisah Azizah Al Adawiyah
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol 16 No 1 (2023): Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47411/al-awqaf.Vol16Iss1.183

This article aims to develop the concept of green park energy to provide alternative solutions for increasing renewable energy in Indonesia based on green waqf. The research method used is descriptive qualitative with a conceptual type of article. Green park energy is a program that aims to increase the capacity of renewable energy in Indonesia and a means of community recreation in the form of parks. The park will produce electrical energy due to the conversion of various renewable energy such as water flow, solar light, wind or wind movement, biomass energy, and supporting renewable energy derived from pressure into electrical energy and supporting energy such as cooking fuel and vehicle fuel. In its financing, this green project is supported by waqf funds. The park will produce electrical energy due to the conversion of various renewable energy such as water flow, solar light, wind or wind movement, biomass energy, and supporting renewable energy derived from pressure into electrical energy and supporting energy such as cooking fuel and vehicle fuel. In its financing, this green project is supported by waqf funds.

Opportunities and Challenges of Halal Certification in Micro, Small and Medium Food Enterprises (MSMEs) in Bandung Juliana, Juliana; Revinda, Relly; Al Adawiyah, Rumaisah Azizah; Manne, Firman; Umar, Abdurrauf; Oroji, Ahamad Muhammad
Islamic Research Vol 7 No 2 (2024): Islamic Research
Publisher : Perhimpunan Intelektual Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47076/jkpis.v7i2.228

The purpose of this study was to knowing and analyzing the halal certification strategy in Greater Bandung with the IFAS and EFAS matrices based on expert judgment surveys. The method used in this research is a qualitative method with a descriptive research design. The analytical tools used are the IFAS matrix (Internal Strategic Analysis Summary) and the EFAS matrix (External Strategic Factors Analysis Summary). The results of the study show that the internal external matrix (IE) is in quadrant I with growth conditions. Stakeholders in Raya Bandung need to make efforts to improve halal certification. Several efforts that can be made by stakeholders are increasing awareness of the importance of halal certification so that they can help each other and support the implementation of halal certification in Greater Bandung. This research is the first to analyze the halal certification strategy for MSMEs in Greater Bandung.

Determinants Of Indonesian Islamic Mutual Fund Performance: The Role of Macroeconomics Variables, Dow Jones Islamic Market Index, and Mutual Fund Attributes Rumaisha; Hilda Monoarfa; Rumaisah Azizah Al Adawiyah
LAA MAISYIR: Jurnal Ekonomi Islam The 2nd International Collaboration Conference on Islamic Economics (ICCEIS) 2024 â€œGlobal Innovati
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v1i1.52970

The Islamic capital market industry has grown rapidly over the past five years; however, in 2022, Islamic capital market assets comprised only 6.42% of Indonesia's total financial assets, which are predominantly controlled by conventional finance at 89.31%. The performance of Islamic mutual funds has steadily declined over the past three years due to limited Islamic assets in the capital market, low levels of financial literacy and inclusion, and the Muslim community's preference for traditional investments such as property, gold, and bank savings. Since 2022, Islamic mutual funds have been further impacted by market volatility, high interest rates, and the revocation of tax incentives. This study uses panel data regression analysis to examine the influence of macroeconomic variables, the Dow Jones Islamic Market Index (DJIMI), and mutual fund attributes on the performance of Islamic mutual funds in Indonesia during 2019-2023. The results show that the money supply, DJIMI, and expense ratio negatively affect performance, while Indonesian crude oil prices and fund age positively impact performance, and fund size shows no significant effect. Overall, these six variables account for 96.27% of the performance of Islamic mutual funds in Indonesia. This research contributes to signaling theory, market efficiency, and provides practical insights for investors, managers, and policymakers in advancing Islamic mutual fund instruments.

Opportunities and Challenges of Halal Certification in Micro, Small and Medium Food Enterprises (MSMEs) in Bandung Juliana, Juliana; Revinda, Relly; Al Adawiyah, Rumaisah Azizah; Manne, Firman; Umar, Abdurrauf; Oroji, Ahamad Muhammad
Islamic Research Vol 7 No 2 (2024): Islamic Research
Publisher : Perhimpunan Intelektual Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47076/jkpis.v7i2.228

The purpose of this study was to knowing and analyzing the halal certification strategy in Greater Bandung with the IFAS and EFAS matrices based on expert judgment surveys. The method used in this research is a qualitative method with a descriptive research design. The analytical tools used are the IFAS matrix (Internal Strategic Analysis Summary) and the EFAS matrix (External Strategic Factors Analysis Summary). The results of the study show that the internal external matrix (IE) is in quadrant I with growth conditions. Stakeholders in Raya Bandung need to make efforts to improve halal certification. Several efforts that can be made by stakeholders are increasing awareness of the importance of halal certification so that they can help each other and support the implementation of halal certification in Greater Bandung. This research is the first to analyze the halal certification strategy for MSMEs in Greater Bandung.

Sustainable finance in the Islamic world: A comparative study of ESG reporting in Indonesia, Malaysia, and Brunei Darussalam Adirestuty, Fitranty; Ratnasari, Ririn Tri; Firmansyah , Egi Arvian; Al Adawiyah, Rumaisah Azizah; Chazanah , Indah Nur; Yuliawati , Tia
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n1.p18-32

This research examines the sustainability reporting procedures of three Islamic banks located in Indonesia, Malaysia, and Brunei Darussalam. The research methodology employs a comprehensive and dependable descriptive approach, utilising a content analysis framework grounded in established sustainable practices and prior studies. This led to an extensive examination of 302 elements, encompassing environmental, socioeconomic, governance, and sharia compliance dimensions. The findings indicate that all three Islamic banks exhibit a commendable level of transparency and are dedicated to adopting sustainable practices. This signifies substantial transparency regarding governance and minimal disclosure concerning sharia compliance, reflecting the ethical identity of the IBs. Bank Syariah Indonesia has the highest degree of disclosure among all sampled banks. This study examines ESG disclosure in Islamic banks and paves the way for future research to broaden its coverage by include more factors. This may result in a more thorough investigation and further insights in the domain. The study's conclusions and suggestions could substantially influence Islamic banks, regulators, and other stakeholders.

The Role Of Islamic Microfinance Institutions In Promoting Development And Sustainability Agricultural Entrepreneurship Sector Irsyad, Syaiful Muhammad; Al Adawiyah, Rumaisah Azizah; Islami, Imas Nurani; Rahmanto, Dhidhin Noer Ady
Al-Tijary Vol 10 No 1 (2024): AL-TIJARY VOL. 10, NO. 1,DECEMBER 2024
Publisher : Faculty of Islamic Economics and Business Sultan Aji Muhammad Idris State Islamic University Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v10i1.9243

As one of the largest food-producing nations, Indonesia faces challenges in meeting domestic demand, making sustainability in agriculture a critical issue. One major hurdle is the limited financial resources available to farmers, underscoring the necessity for accessible microfinance. Islamic Microfinance Institutions (IMFIs) offer financing based on Islamic principles, providing unique opportunities to support farmers. This study explores the role of IMFIs in promoting development and sustainability in Indonesia’s agricultural sector. A qualitative approach was employed, and interviews with key stakeholders were conducted to assess IMFIs' contributions to addressing financial constraints and fostering sustainable practices. The findings highlight the potential of IMFIs in enhancing agricultural entrepreneurship and supporting the achievement of Sustainable Development Goals (SDGs). The research results state that IMFIs has great potential to revolutionize financing in the agricultural sector, advancing SDG 1 (no poverty), SDG 2 (no hunger), and SDG 12 (responsible consumption and production). This research aims to guide IMFIs and policymakers in implementing effective strategies for sustainable development in agriculture.

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