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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Media Ekonomi Journal of Innovative and Creativity
N, Nunung
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Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Analysis of the Influence of Financial Technology, Internal Performance, Macroeconomic Factors on Profitability of Islamic Banks In Indonesia Nurjanah, Nunung; Amrizal, Amrizal
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14178

Abstract

This study aims to analyze the profitability of Islamic Banks in Indonesia by considering internal performance factors, macroeconomic factors, and the influence of financial technology. Profitability is a crucial indicator in evaluating the financial performance of banks and maintaining their operational viability in a competitive market. This study uses a quantitative approach with secondary data from the financial statements of 10 Islamic Banks in Indonesia over a certain period (10 years). Internal performance variables that are the focus of the study include traditional profitability ratios such as Return of Assets (ROA) and Return on Equity (ROE), as well as factors such as NPF (Non-Performing Financing). In addition, macroeconomic factors such as interest rates, national economic growth, and inflation, are also considered in this analysis. The results showed that partially the variables FDR (X1), INFLATION (X5), INTEREST (X6), INTEREST RATE (X7), GDP (X8), FINTECH (X9) had no effect on ROA (Y). However, the variables BOPO (X2), DPK (X3) and SIZE (X4) have an effect on ROA (Y), where the value obtained based on the probability is 0.0000 (X2), 0.0153 (X3) and 0.0548 (X4). However, when viewed simultaneously, the Independent variables jointly affect the dependent variable.
Analysis of the Influence of Financial Technology, Internal Performance, Macroeconomic Factors on Profitability of Islamic Banks In Indonesia Nurjanah, Nunung; Amrizal, Amrizal
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14178

Abstract

This study aims to analyze the profitability of Islamic Banks in Indonesia by considering internal performance factors, macroeconomic factors, and the influence of financial technology. Profitability is a crucial indicator in evaluating the financial performance of banks and maintaining their operational viability in a competitive market. This study uses a quantitative approach with secondary data from the financial statements of 10 Islamic Banks in Indonesia over a certain period (10 years). Internal performance variables that are the focus of the study include traditional profitability ratios such as Return of Assets (ROA) and Return on Equity (ROE), as well as factors such as NPF (Non-Performing Financing). In addition, macroeconomic factors such as interest rates, national economic growth, and inflation, are also considered in this analysis. The results showed that partially the variables FDR (X1), INFLATION (X5), INTEREST (X6), INTEREST RATE (X7), GDP (X8), FINTECH (X9) had no effect on ROA (Y). However, the variables BOPO (X2), DPK (X3) and SIZE (X4) have an effect on ROA (Y), where the value obtained based on the probability is 0.0000 (X2), 0.0153 (X3) and 0.0548 (X4). However, when viewed simultaneously, the Independent variables jointly affect the dependent variable.
PERKEMBANGAN LEMBAGA KEUANGAN SYARIAH DAN KONDISI MAKRO EKONOMI DI INDONESIA Nunung Nurjanah
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.7985

Abstract

The growth of Islamic banking in Indonesia since its inception until now has continued to increase, both in terms of performance and its contribution to national macroeconomic growth. This paper is structured to determine the contribution of Islamic Banking to the Indonesian economy at a macro level, particularly in the 2018-2022 period (July). The data used in this study is secondary data, namely Time Series data, which consists of Macroeconomic Variables and Islamic Banking SME Financing Growth. The data used is the total financing of SMEs by Islamic banks, the BI Rate or Bank Indonesia interest rate certificates (SBI) which reflect interest rates, and GDP (Gross Domestic Product). Data obtained from Bank Indonesia and the Financial Services Authority (OJK). This analysis is also supported by literature studies from various journals, articles and other related literature. The performance of Islamic banking in 2018-2022 is in the healthy category. The average ROA is 1.6 percent, CAR is 22.32 percent, FDR is 75.39 percent, BOPO is 84.28 percent, NPF is 2.97 percent, and DPK is Rp. 323,418 billion with the highest value of Rp. 382,232 billion in July 2022 and the lowest is Rp. 257.606 billion in 2018.
Analisa Perkembangan Fintech Syariah di Indonesia: Sebuah Meta-Analisa Berdasarkan Tren Penelitian Nunung Nurjanah; Fina Meilinar
Journal of Innovative and Creativity Vol. 6 No. 1 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i1.7271

Abstract

Perkembangan teknologi finansial (fintech) syariah menunjukkan pertumbuhan yang signifikan baik secara global maupun di Indonesia, seiring meningkatnya kebutuhan layanan keuangan digital yang sesuai dengan prinsip-prinsip syariah. Penelitian ini bertujuan untuk menganalisis tren penelitian fintech syariah di Indonesia, mengidentifikasi fokus dan metode penelitian yang dominan, serta memetakan arah dan peluang riset ke depan. Penelitian ini menggunakan pendekatan kualitatif dengan metode meta-analisis dan analisis bibliometrik terhadap artikel ilmiah yang dipublikasikan pada periode 2015–2025. Data dikumpulkan dari berbagai basis data bereputasi, termasuk Scopus, Google Scholar, DOAJ, Sinta, dan Garuda, kemudian diseleksi menggunakan kriteria inklusi–eksklusi berdasarkan alur PRISMA. Hasil kajian menunjukkan bahwa penelitian fintech syariah mengalami peningkatan pesat sejak 2017 dengan fokus utama pada adopsi pengguna, inklusi keuangan dan UMKM, keuangan sosial Islam (zakat, wakaf, dan crowdfunding), serta tata kelola dan regulasi syariah. Namun demikian, penelitian masih didominasi oleh studi konseptual dan desain cross-sectional, dengan keterbatasan bukti empiris jangka panjang. Topik teknologi lanjutan seperti artificial intelligence dan blockchain dalam konteks fintech syariah masih relatif terbatas dan belum banyak diuji secara empiris. Penelitian ini memberikan kontribusi dengan menyajikan peta literatur fintech syariah yang komprehensif serta rekomendasi riset strategis bagi pengembangan akademik, kebijakan, dan praktik fintech syariah yang inklusif, adil, dan berkelanjutan
ISLAMIC ECONOMIC BEHAVIOR OF GENERATION Z IN RESPONDING TO THE DEVELOPMENT OF THE DIGITAL ECONOMY BASED ON ISLAMIC VALUES Nunung Nurjanah; Muhammad Iqbal
Jurnal Media Ekonomi (JURMEK) Vol 31 No 1 (2026): Jurnal Media Ekonomi
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/jurnalmediaekonomi.v31i1.3256

Abstract

Purpose: This study aims to synthesize empirical evidence on Generation Z's Islamic economic behavior in the digital economy and to develop an integrated conceptual understanding of digital consumption, Islamic digital investment, and digital philanthropy from the perspective of Islamic economic values. Research Methodology: This study employed a Systematic Literature Review (SLR) based on the PRISMA 2020 guidelines. Literature was retrieved from the Scopus, Google Scholar (via Publish or Perish), and Garuda databases in June 2026. Following the identification, screening, eligibility, and inclusion processes, 18 peer-reviewed articles published between 2020 and 2026 were selected and synthesized using thematic analysis. Results: The findings identify three interconnected dimensions of Generation Z's Islamic economic behavior: digital consumption, Islamic digital investment, and digital philanthropy. The synthesis demonstrates that Islamic economic behavior is shaped through the interaction of digital technology, Islamic financial literacy, digital culture, religiosity, and the internalization of Islamic values. While technological advancement has expanded access to Islamic financial services, digital philanthropy exhibits stronger alignment with Islamic values than digital consumption and investment activities. Conclusions: Islamic economic behavior among Generation Z is not determined by technological advancement alone but by the integration of technological, financial, social, and religious dimensions. Strengthening the Islamic digital economy therefore requires the integration of technological innovation with ethical awareness and value-based Islamic financial education Limitations: : This review was limited to peer-reviewed articles indexed in Scopus, Google Scholar, and Garuda published between 2020 and 2026 and did not include quantitative meta-analysis. Contributions: This study develops an integrated conceptual understanding of Generation Z's Islamic economic behavior in the digital economy and provides practical insights for policymakers, Islamic financial institutions, fintech providers, and researchers in promoting an inclusive, ethical, and sustainable Islamic digital economic ecosystem.
Co-Authors Fina Meilinar Muhammad Iqbal