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Pengaruh Islamic Social Reporting terhadap Profitabilitas (Return on Asset dan Return on Equity) Pada Bank Umum Syariah di Indonesia Santika, Ana
Falah: Jurnal Ekonomi Syariah Vol 4, No 2 (2019): Vol 4, No 2 Agustus 2019
Publisher : Universitas Muhammadiyah Malang

The act of accuracy and prudence is very important in the company because is the factor that determines the sustainability of companies such as banking. This study aims to analyze the effect of Shariah Complaints towards the profitability of Islamic Banks in Indonesia. This research is quantitative using documentation method and library study in data collection. The sampling technique uses purposive sampling with the criteria of Islamic commercial banks that publish annual-reports from 2013 to 2017 from 13 Islamic commercial banks (BUS) in Indonesia. The results of this study show that the Funding and Investment, Products and Services, Employees, Community or Social, Environmental, Corporate Governance simultaneously does not have influence significantly the ROE variable, but it does significantly influence ROA. This means that the wider the Islamic social reporting of Islamic banking, the greater the profitability of Islamic banking. In addition, high profitability will encourage managers to provide more detailed information, because they want to convince investors of company profits and its compensation for management.

PENGARUH SYARIAH COMPLAINCE TERHADAP FRAUD PADA BANK UMUM SYARIAH DI INDONESIA Santika, Ana
JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Vol. 5 No. 2 (2019): Jurnal Syarikah
Publisher : Program Studi Ekonomi Islam FEI UNIDA Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jsei.v5i2.1981

This study aims to analyze how big the influence of sharia complaince towards the profitability of Islamic Banks in Indonesia. The sample selected by the method of purposive sampling so obtained 9 samples of islamic banks The Unit of analysis in the study amounted to 45 of the annual report of Islamic Banks. Research approach with quantitative methods using secondary data. Type the quantitative data in the form of data of financial statements (annual report) each bank of the the year 2013 until 2017. The results of this study seen from the results of the F test, a variable Profit Sharing Ratio (PSR), Islamic Income Ratio (IsIR), and Islamic Investment Ratio (IIR) simultaneously no significant effect on the variable fraud. From the results of t test variable Profit Sharing Ratio (PSR), Islamic Income Ratio (IsIR), andno significant effect on the variable fraud. From the results of t test variable Profit Sharing Ratio (PSR), Islamic Income Ratio (IsIR), and Islamic Investment Ratio (IIR) no effect and not significant on the variable fraud. Based on the results of the above analysis in the absence of such influence caused, the activities in islamic banking is currently carrying out compliance on sharia principles, because the lower the level of fraud the higher the level of shariah complaince on islamic banking. For the banks still have to improve the level of compliance on the principles of sharia and also do activities to the prevention of fraud.Â

Analisis Dampak Minimarket Ritel Modern Terhadap Pasar Tradisional Menurut Perspektif Ekonomi Islam di Desa Suka Maju Jati Agung Lampung Selatan Yuliani, Nur; Rahmawan, Lutfi Hery; Santika, Ana
Sharing: Journal of Islamic Economics Management and Business Vol. 3 No. 1 (2024): Juni 2024
Publisher : Program Studi Ekonomi Syariah Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sharing.v3i1.29264

This exploration plans to break down the effect of current retail minimarkets on conventional business sectors from an Islamic monetary point of view in Suka Maju Jati Agung Town, South Lampung. The sort of examination involved is quantitative exploration involving information from research perceptions as surveys and meetings with respondents. Then, at that point, the scientist completed an alternate test utilizing the SPSS 25 information handling application. In view of the aftereffects of the speculation test that has been completed, the accompanying ends can be drawn: In light of the by and large unique experimental outcomes, the Asymp esteem was gotten. signature. in the deals turnover variable, in particular (0.000) < (0.05) so Ho is dismissed so it very well may be reasoned that there is a huge contrast in turnover in conventional slows down when the presence of Alfamart and Indomaret minimarkets. In the mean time, in the general contrast test results, the Asymp esteem. signature. in the variable number of purchasers, to be specific (0.000) < (0.05), then Ho is dismissed so it very well may be reasoned that there is a huge distinction in the quantity of purchasers of customary slows down when the presence of Alfamart and Indomaret minimarkets. As per a Sharia Financial survey of the effect of Alfamart and Indomaret minimarkets on deals turnover and number of purchasers, conventional slow down organizations are not as per sharia business contest in light of the fact that the Alfamart minimarkets on Suka Maju are extremely close.

Peran Dan Strategi Pondok Pesantren Dalam Meningkatkan Perekonomian Masyarakat di Lingkungan Sekitar Azizah, Siti Nur; Rahmawan, Lutfi Hery; Santika, Ana
Sharing: Journal of Islamic Economics Management and Business Vol. 3 No. 1 (2024): Juni 2024
Publisher : Program Studi Ekonomi Syariah Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sharing.v3i1.29265

This exploration expects to decide the essential job of Islamic live-in schools in working on the economy of the local area in the general climate. The methodology utilized in this exploration is a subjective examination approach. The information assortment strategies utilized in this examination are: Interview, Perception and Documentation. The consequences of the examination show that in the job of the Hidayatul Mubtadiin Islamic Life experience School, Sidoharjo Town, Jati Agung Locale, South Lampung Regime, they decide to go about as a facilitator among venders and purchasers, and that implies that the Islamic live-in school just permits it. local area to sell different necessary items by all understudies and assist with giving chances to work on the economy of the local area in the climate around the house. By persuading the local area to deliver an item that gives selling esteem and the Hidayatul Mubtadiin Islamic Live-in School gives the open door to the local area to sell the items it produces. For this situation, the Hidayatul Mubtadiin Islamic Live-in School isn't a business entertainer yet rather a consolation and inspiration in arousing the local area to work on its economy. In the mean time, as a supporting variable, there are media that go about as a connection between Islamic life experience schools and the local area, so all Islamic live-in school exercises, including financial exercises, can be passed on to the local area

The Role of Islamic Economic Politics in Implementing Globalization ASEAN Economic Community (AEC) Santika, Ana; Akbar, Estelee Elora; Rahmawan, Lutfi Hery
Majapahit Journal of Islamic Finance and Management Vol. 4 No. 2 (2024): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v4i2.328

Islamic economic opportunities in the MEA era, especially in Indonesia. As understood, the MEA is a cooperation and development of ASEAN integration that aims to play an important role in supporting economic integration, building a unique economic identity, and increasing inclusiveness in the Asian region. This study concludes that Indonesia can have the opportunity for sustainable Islamic economic development because, in terms of social justice in Islamic economics, it can encourage a more equitable distribution of income and reduce economic inequality. Second, Indonesian Islamic banking can be a national strength towards a golden Indonesia and help encourage economic inclusiveness among MEA member countries, by providing greater opportunities for all levels of society in Indonesia.

THE INFLUENCE OF SHARIA COMPLAINCE AGAINST FRAUD ON THE SHARIA BANKS IN INDONESIA Santika, Ana; Ghofur, Ruslan Abdul
I-Economics Vol 5 No 2 (2019): I-ECONOMICS
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/https://doi.org/10.19109/ieconomics.v5i2.4082

This study aims to analyze how big the influence of sharia compliance towards the profitability of Islamic Banks in Indonesia. The sample selected by the method of purposive sampling so obtained 9 samples of islamic banks The Unit of analysis in the study amounted to 45 of the annual report of Islamic Banks. Research approach with quantitative methods using secondary data. Type the quantitative data in the form of data of financial statements (annual report) each bank of the the year 2013 until 2017. The results of this study seen from the results of the F test, a variable Profit Sharing Ratio (PSR), Islamic Income Ratio (IsIR), and Islamic Investment Ratio (IIR) simultaneously no significant effect on the variable fraud. From the results of t test variable Profit Sharing Ratio (PSR), Islamic Income Ratio (IsIR), and no significant effect on the variable fraud. From the results of t test variable Profit Sharing Ratio (PSR), Islamic Income Ratio (IsIR), and Islamic Investment Ratio (IIR) no effect and not significant on the variable fraud. Based on the results of the above analysis in the absence of such influence caused, the activities in Islamic banking are currently carrying out compliance on sharia principles, because the lower the level of fraud the higher the level of shariah compliance on Islamic banking. The banks still have to improve the level of compliance with the principles of sharia and also do activities to the prevention of fraud.

THE ROLE OF AL-URF IN CONTEMPORARY ISLAMIC ECONOMIC LEGAL ISSUES: SUSTAINABLE BUSINESS PRODUCTION DEVELOPMENT Santika, Ana; Ghozali, M. Lathoif
istinbath Vol. 23 No. 2 (2024): December
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v23i2.692

The increasingly advanced development of industry impacts the development of transactions and production processes in an increasingly complex economy. Many transaction activities and production processes require ijtihad to find solutions to problems that may arise. The hope is that these transactions and production processes can run smoothly and follow Islamic law. This study aims to discuss how 'urf becomes a method and source of Islamic law in economic activities using a qualitative research methodology with a library research approach. This study concludes that Al-Urf in contemporary Islamic economic law provides a strong foundation through community customs that do not conflict with the Qur'an and Hadith. In responding to the challenges of the existing modern economy, it needs to be critically appreciated according to the context of its time, place, and situation, then developed according to the challenges of the times by using creative ijtihad in the corridor of sharia.

The Role of Islamic Economic Politics in Implementing Globalization ASEAN Economic Community (AEC) Santika, Ana; Akbar, Estelee Elora; Rahmawan, Lutfi Hery
Majapahit Journal of Islamic Finance and Management Vol. 4 No. 2 (2024): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v4i2.328

Islamic economic opportunities in the MEA era, especially in Indonesia. As understood, the MEA is a cooperation and development of ASEAN integration that aims to play an important role in supporting economic integration, building a unique economic identity, and increasing inclusiveness in the Asian region. This study concludes that Indonesia can have the opportunity for sustainable Islamic economic development because, in terms of social justice in Islamic economics, it can encourage a more equitable distribution of income and reduce economic inequality. Second, Indonesian Islamic banking can be a national strength towards a golden Indonesia and help encourage economic inclusiveness among MEA member countries, by providing greater opportunities for all levels of society in Indonesia.

Sharia Compliance in the Development of Islamic Micro Finance as a Economic Sustainability Santika, Ana
Journal of Islamic Economics and Philanthropy Vol. 7 No. 2 (2024): November
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/jiep.v7i2.12783

As a microfinance institution, BMT Assyafi'iyah Berkah Nasional Lampung sometimes faces limitations in operational and investment capital, which affects their ability to expand services and help more members. Many community members, especially in rural areas, do not understand the concept of sharia finance and the benefits of using BMT services, which hinders member growth. The purpose of this study was to determine how the Implementation of Sharia Compliance affects the sustainability of the Baitul Mal Wa Tamwil (BMT) Assyafi'iyah Berkah Nasional Lampung program in poverty alleviation efforts. This study used a qualitative method using triangulation techniques to test the validity of the data. The results of this study found that Murabahah activities carried out by BMT Assyafi'iyah Berkah Nasional in Lampung have a significant impact on poverty alleviation with the management of trustworthy loan funds. Through the distribution of zakat funds, the community is helped in building their businesses. Zakat funds that are managed well can be used to provide business capital to mustahik and are beneficial. Thus, zakat and murabahah play an important role in supporting BMT to carry out its function as an institution that helps empower the people's economy and improve economic sustainability and community welfare.

Do Environmental Regulations Attract Foreign Direct Investment Inflows in OIC Countries? Santika, Ana; Azzaki, Muhammad Adnan; Arifin, Ah. Ali
Jurnal Ekonomi Pembangunan Vol. 23 No. 1 (2025): Jurnal Ekonomi Pembangunan
Publisher : Department of Development Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/jep.v23i1.23158

This study investigates the controversial impact of environmental regulations and foreign direct investment (FDI) inflows, specifically in 32 Organization of Islamic Cooperation (OIC) countries from 2005 to 2020. Challenging the widely debated "pollution haven" hypothesis—which posits that lax environmental standards attract FDI—we investigate whether stringent environmental policies deter investment inflows in this underexplored region. Our comprehensive panel data analysis reveals a surprising outcome, strict environmental regulations in OIC nations do not deter FDI. in fact, they may even encourage it. These findings defy conventional wisdom and offer crucial insights for policymakers, suggesting that robust environmental frameworks can enhance a country's attractiveness to foreign investors. This research encourages a fundamental reassessment of how we understand the interplay between environmental stewardship and global investment.

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