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All Journal Jurnal Ilmiah Ekonomi Islam 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.
Analisa Perkembangan Fintech Syariah di Indonesia: Sebuah Meta-Analisa Berdasarkan Tren Penelitian Nurjanah, Nunung; Meilinar, Fina
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
Co-Authors Amrizal Amrizal Fina Meilinar