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All Journal El Dinar Jurnal Ekonomi & Keuangan Islam Scientific Journal of Reflection : Economic, Accounting, Management and Business Jurnal Revenue : Jurnal Ilmiah Akuntansi Abdimisi Jurnal Ekonomi Syariah Pelita Bangsa Jurnal Pemberdayaan Masyarakat Indonesia (JPMI) EKSYA: Jurnal Ekonomi Syariah JAMAIKA: Jurnal Abdi Masyarakat Dharma Pengabdian Perguruan Tinggi (DEPATI) J-ISACC : Journal of Islamic Accounting Competency Hatta: Jurnal Pendidikan Ekonomi dan Ilmu Ekonomi ABDIMAS Iqtishadia Share
Fitri Sagantha
Universitas Pamulang
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Meningkatkan Ekosistem Digitalisasi Ekonomi Syariah pada Santri Dar El Istiqomah Serang Sagantha, Fitri; Gustiana, Restia; Ulfa, Maria
ABDIMAS Iqtishadia Vol. 1 No. 1 (2023): ABDIMAS Iqtishadia
Publisher : Prodi Ekonomi Syariah Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/iqtis.v1i1.31735

Abstract

The global market for the Islamic economic and financial sector continues to grow in line with the increasing number of world Muslims. In 2019, it was recorded that 1.9 billion Muslims around the world spent US$2.02 trillion to meet their needs for products that comply with sharia principles. This market is an opportunity that we need to optimize by developing the Islamic economy and finance in the country and opening access to marketing Indonesian halal products in the global market. This progress has been well received by Islamic finance industry players to continue to compete, including in accommodating MSMEs in this country. Ultimately, competitors in the digital sharia field are transformed into an ecosystem that continues to morphose to meet the needs of the Muslim community in the country in the halal financial industry. This service method is carried out by socializing the Sharia Economic Digital Ecosystem with the participants. The results of community service are not only by providing input in the form of understanding but in the form of training which will later be able to produce output in the form of improving the ecosystem which can be seen in the final stage of PKM, namely evaluation. With the Socialization of the Digital Ecosystem of the Sharia Economy at Dar el Istiqomah Islamic Boarding School students, it is hoped that the students can understand the concept of the Digital Sharia Economy and can slowly apply the concept of Islamic Economics in their daily lives.
Pengaruh Dana Pihak Ketiga, Kecukupan Modal dan Likuiditas Terhadap Pembiayaan Mudharabah dengan Pembiayaan Bermasalah Sebagai Variabel Moderasi Pada Perbankan Syariah di Indonesia Tahun 2017–2021 Nurhfidah, Nabilah; Sagantha, Fitri
Journal of Islamic Accounting Competency Vol. 2 No. 2 (2022): J-ISACC (Journal Of Islamic Accounting Competency)
Publisher : Prodi Akuntansi Syariah UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/jisacc.v2i2.1341

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh dana pihak ketiga, kecukupan modal dan likuiditas terhadap pembiayaan mudharabah dengan pembiayaan bermasalah sebagai variabel moderasi pada perbankan syariah. Populasi dalam penelitian ini dilakukan pada perbankan syariah yang terdaftar di Otoritas Jasa Keuangan dalam bentuk Bank Umum Syariah. Teknik pengambilan sampel menggunakan Purposive Sampling sehingga sampel yang terpilih sebanyak 9 Bank Umum Syariah. Penelitian ini menggunakan metode asosiatif kuantitatif dengan teknik analisis data yang digunakan adalah regresi linear berganda dan moderated regression analysis (MRA). Alat analisis data menggunakan program eviews versi 10. Hasil penelitian secara parsial menunjukan bahwa dana pihak ketiga dan kecukupan modal berpengaruh terhadap pembiayaan mudharabah pada bank umum syariah, sedangkan likuiditas tidak berpengaruh terhadap pembiayaan mudharabah pada bank umum syariah. Hasil penelitian secara simultan menunjukan bahwa dana pihak ketiga, kecukupan modal dan likuiditas berpengaruh secara bersama-sama terhadap pembiayaan mudharabah pada bank umum syariah. Hasil pengujian MRA menunjukan bahwa pembiayaan bermasalah memoderasi dana pihak ketiga terhadap pembiayaan mudharabah dan pembiayaan bermasalah tidak memoderasi kecukupan modal dan likuiditas terhadap pembiayaan mudharabah pada bank umum syariah.
Pengaruh Tingkat Bagi Hasil, Tingkat Kecukupan Modal dan Pembiayaan Bermasalah Terhadap Pembiayaan Mudharabah Pada Bank Umum Syariah Tahun 2017-2021 -, Aliya; Sagantha, Fitri
Journal of Islamic Accounting Competency Vol. 3 No. 1 (2023): J-ISACC (Journal Of Islamic Accounting Competency)
Publisher : Prodi Akuntansi Syariah UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/jisacc.v3i1.1358

Abstract

Penelitian ini bertujuan untuk menguji pengaruh Tingkat Bagi Hasil, Tingkat Kecukupan Modal dan Pembiayaan Bermasalah Terhadap Pembiayaan Mudharabah tingkat bagi hasil di ukur dengan menghitung pendapatan bagi hasil mudharabah dibagi pembiayaan mudharabah, Tingkat kecukupan modal di ukur dengan menghitung total modal di bagi aktiva tertimbang menurut resiko, pembiayaan bermasalah diukur dengan menghitung pembiayaan bermasalah di bagi total pembiayaan. Dan pembiyaan mudharabah di ukur dengan menghitung jumlah total pembiayaan mudhrabah di bagi total pembiyaan. Populasi dalam penelitian ini adalah Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan (OJK) pada tahun 2017-2021 Jumlah sampel dalam penelitian ini sebanyak 7 perusahaan yang diperoleh melalui metode purposive sampling. Diperoleh data sampel sebanyak 35 data. Jenis data pada penelitian ini adalah data sekunder dengan metode penelitian kuantitatif dan pendekatan deskriptif. Teknik analisis yang digunakan adalah analisis regresi linier berganda dengan tingkat signifikasi 5%. Penelitian ini diolah menggunakan software eviews 10 dan menunjukkan bahwa (1) Tingkat Bagi Hasil tidak berpengaruh terhadap Pembiayaan mudharabah, (2) Tingkat Kecukupan Modal Berpengaruh negatif terhadap pembiayaan mudharabah, (3) pembiayaan bermasalah berpengatruh positif dan signifikan terhadap pembiayaan mudhrabah.
Contract-Specific Effects of Fintech on Islamic Financing Profitability Erwin Saputra Siregar; Fitri Sagantha; M. Taufik Ridho; Rohaiza Kamis; Intan Rizkiana
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 15 No. 1 (2026)
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.0011

Abstract

As Islamic banks continue to expand their financing activities and accelerate digital transformation, understanding how different financing contracts contribute to profitability has become increasingly important. This study examines the effects of Islamic financing contracts on the net profit of Islamic banks and investigates whether fintech moderates these relationships. The analysis covers six financing contracts: murabahah, mudharabah, musyarakah, ijarah, istishna', and qardh. Using a quantitative explanatory design, the study employs monthly aggregate data from the Indonesian Islamic Banking Statistics published by the Financial Services Authority (OJK) from January 2015 to December 2024. Fintech is proxied by operational expenditure efficiency, and the hypotheses are tested using Moderated Regression Analysis (MRA). The findings reveal that the profitability effects of Islamic financing differ across contract types. Mudharabah financing is associated with a significant negative effect on net profit, whereas istishna' financing has a significant positive effect. In contrast, murabahah, musyarakah, ijarah, and qardh financing do not significantly influence net profit. The results further show that fintech strengthens the relationship between istishna' financing and net profit but does not significantly moderate the effects of the other financing contracts. These findings suggest that the contribution of fintech to profitability depends on the characteristics of individual contracts, particularly their operational complexity, monitoring intensity, and risk profile. This study contributes to the Islamic banking literature by highlighting the contract-specific role of fintech and suggests that digitalization efforts should be prioritized in financing activities that require intensive monitoring and project management, especially istishna' financing. ABSTRAK - Pengaruh Spesifik Fintech terhadap Profitabilitas Pembiayaan Syariah Berdasarkan Akad. Perkembangan pesat perbankan syariah dan teknologi keuangan (financial technology atau fintech) menimbulkan pertanyaan penting mengenai bagaimana berbagai akad pembiayaan syariah berkontribusi terhadap profitabilitas bank serta sejauh mana inovasi teknologi mampu meningkatkan efektivitasnya. Penelitian ini bertujuan menganalisis pengaruh akad pembiayaan syariah terhadap laba bersih bank syariah serta menguji peran fintech sebagai variabel moderasi dalam hubungan tersebut. Analisis difokuskan pada enam akad pembiayaan, yaitu murabahah, mudharabah, musyarakah, ijarah, istishna', dan qardh. Penelitian menggunakan pendekatan kuantitatif eksplanatori dengan data agregat bulanan yang bersumber dari Statistik Perbankan Syariah Indonesia yang diterbitkan oleh Otoritas Jasa Keuangan (OJK) selama periode Januari 2015 hingga Desember 2024. Fintech diproksikan melalui efisiensi biaya operasional, sedangkan pengujian hipotesis dilakukan menggunakan Moderated Regression Analysis (MRA). Hasil penelitian menunjukkan bahwa pengaruh pembiayaan syariah terhadap laba bersih bersifat heterogen antarakad. Pembiayaan mudharabah berpengaruh negatif signifikan terhadap laba bersih, sedangkan pembiayaan istishna' berpengaruh positif signifikan. Sebaliknya, pembiayaan murabahah, musyarakah, ijarah, dan qardh tidak menunjukkan pengaruh yang signifikan. Temuan penelitian juga menunjukkan bahwa fintech hanya memperkuat hubungan antara pembiayaan istishna' dan laba bersih, sementara tidak memoderasi hubungan pada akad lainnya. Hasil ini mengindikasikan bahwa efektivitas fintech bergantung pada karakteristik operasional, kebutuhan pengawasan, dan struktur risiko masing-masing akad pembiayaan. Penelitian ini berkontribusi pada literatur perbankan syariah dengan menunjukkan bahwa peran fintech dalam meningkatkan profitabilitas bersifat spesifik terhadap akad tertentu, bukan berlaku secara universal. Oleh karena itu, bank syariah perlu mengarahkan strategi digitalisasi secara lebih terfokus pada pembiayaan yang memiliki kompleksitas operasional dan kebutuhan monitoring yang tinggi, terutama pembiayaan istishna'.
DO ISLAMIC FINANCING CONTRACTS ENHANCE BANK PROFITABILITY? EVIDENCE FROM THE MEDIATING ROLE OF FINTECH ADOPTION IN INDONESIA Erwin Saputra Siregar; Fitri Sagantha; M Taufik Ridho; Rohaiza Kamis; Resa Iswara
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 14, No 1 (2026): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v14i1.40925

Abstract

The present study investigates direct and indirect impacts of six financing instruments including murabaha, mudaraba, musyarakah, ijarah, istishna and qardh of Islamic finance on the profitability of Indonesia's Islamic banks, measured through Return On Assets (ROA), where fintech adoption becomes the mediator. This study adopted quantitative explanation method, where secondary monthly times series data collected from the statistics of Islamic Banking reported by the Financial Services Authority (OJK) for the years 2015 - 2024 were used. The structural relationship between the variables was tested with path analysis, supported by Sobel test and bootstrapping with 5,000 samples to test mediation effect. The results found that mudaraba financing instrument had the highest positive impact on fintech adoption, showing higher association with financial innovation in comparison to other Islamic financing instruments. Digital transformation expenditure, which represents fintech adoption, significantly negatively impacts ROA; therefore, technology investments put immediate pressure on the profitability of the bank. Moreover, none of the Islamic financing instruments had a direct effect on ROA, but mudaraba financing instrument yielded a significant indirect effect on ROA through fintech adoption. These findings suggest that Indonesian Islamic banks remain in the early stage of digital transformation, highlighting the need for more efficient digital integration and supportive regulatory frameworks to achieve sustainable long-term profitability.
Pengaruh Intellectual Capital dan Pembiayaan Musyarakah Terhadap Kinerja Keuangan: (Studi Empiris Pada Bank Umum Syariah Periode 2017-2022) Fitri Sagantha; Salva Ramadhani
HATTA : Jurnal Pendidikan Ekonomi dan Ilmu Ekonomi Vol 2 No 2 (2024): HATTA: Jurnal Pendidikan Ekonomi dan Ilmu Pendidikan
Publisher : STKIP MAJENANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62387/hatta.v2i2.32

Abstract

The purpose of this study is to know and analyze the influence of intellectual capital and musyarakh financing on the financial performance of Sharia Commercial Banks for the 2017-2022 period. This research is a quantitative research that uses secondary data. The population in this study amounted to 13 Sharia Commercial Banks. Samples are selected using the Purposive Sampling method. In this study produced a sample of 48 observational data (8 BUS in 6 years). The results showed that Intellectual Capital partially affected the financial performance of Sharia Commercial Banks for the 2017-2022 period. Meanwhile, Musyarakah Financing does not significantly affect the financial performance of Sharia Commercial Banks for the 2017-2022 period.
Group lending and the scope of outreach in Islamic Microfinance: Evidence from Indonesia Afriadi, Fiqih; Chasanah, Uswatun; Taufik, Moch; Sagantha, Fitri
Jurnal Ekonomi & Keuangan Islam Volume 12 No. 2, July 2026
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol12.iss2.art13

Abstract

Purpose – This study analyzes the scope dimension (service diversity) of outreach within group-based Islamic Microfinance Institutions (IMFIs) in Indonesia. Utilizing the group lending model, this study aims to assess how institutional adaptation and group mechanisms influence outreach scope and sustainability in the post-COVID-19 period.Methodology – An exploratory multiple-case study was conducted using documentary data from 11 Islamic microfinance institutions (IMFIs) and interviews/FGDs with practitioners from 16 group-based ones. Documentary sources included institutional reports, websites, and product publications, whereas primary data were obtained from managers, supervisors, and field officers. The data were analyzed to examine the outreach scope, group lending mechanisms, and their implications for outreach sustainability.Findings – The results show a structural asymmetry, and large IMFIs exhibit comprehensive diversification, enhancing resilience. Smaller IMFIs are product-constrained because of structural and regulatory vulnerabilities (e.g., BWM's deposit restriction). Furthermore, while the group lending model ensures outreach breadth, the weakening of peer monitoring and flexibilization of joint liability have shifted reliance to administrative enforcement. This erosion of social capital, evidenced by consumption-oriented borrowing, demonstrates the gap between financial access and genuine economic empowerment.Implications – The findings necessitate regulatory reform to support smaller IMFIs in service diversification and a critical need for institutions to restore the social accountability foundations of the group model to ensure a transformative impact.Originality – This research extends the microfinance literature by detailing the scope of Indonesian Islamic finance, offering novel empirical insights into the balance between operational flexibility and social cohesion required for sustainable post-crisis outreach.
Co-Authors -, Aliya Adi Martono Adi Sofyana Latif Afriadi, Fiqih Alfi Maulani Aliya Andri S Dwi Septiani Erwin Saputra Siregar Ferdiansyah Ferdiansyah Ferdiansyah Ferdiansyah Fitri Yanti Gustiana, Restia Intan Rizkiana Juitania Budiono M Taufik Ridho M. Taufik Ridho Maria Ulfa Moch Taufik Nabilah Nurhfidah Nurhfidah, Nabilah Purwati Purwati R Ai Lutfi Hidayat Resa Iswara Rohaiza Kamis Rohaiza Kamis Salva Ramadhani Sapnah Sunarto Sunarto Sunarto Sunarto Uswatun Chasanah