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All Journal Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal el-Qanuniy: Jurnal Ilmu-Ilmu Kesyariahan dan Pranata Sosial Journal Of Sharia Banking Jurnal Iqtisaduna J-ESA (Jurnal Ekonomi Syariah) EKONOMIKA SYARIAH : Journal of Economic Studies Journal Of Islamic Social Finance Management Yurisprudentia: Jurnal Hukum Ekonomi JIFTECH: Journal Of Islamic Financial Technology AT-TIJARAH: Journal Islamic Banking and Finance Research Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Krigan: Journal of Management and Sharia Business Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Profetik Jurnal Ekonomi Syariah Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman
Nasution, Adanan Murroh
Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Analysis of Asset and Financing Contribution to Islamic Banking Profit in Indonesia by Vector Autoregression (VAR) Method Nofinawati; Dede Ruslan; Muhammad Fitri Rahmadana; Nasution, Adanan Murroh
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 2 (2024): December 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i2.8463

Abstract

The profit growth of Islamic banks in Indonesia tends to decline from the Covid-19 period to date. However, the number of assets and the amount of financing of Islamic banks tend to increase from one period to the next. This article discusses the contribution of assets and financing to the profitability of Islamic banking in Indonesia. This article was created using quantitative research methods. The data comes from the Financial Services Authority (OJK), namely data related to the amount of profit, assets, and financing in the Sharia Banking Statistics report, especially Sharia Commercial Banks from 2019 to 2023. Then the analysis of the contribution between the variables of assets, financing and profits of Islamic banks was analyzed using an econometric approach, namely the Vector Auto Regression (VAR) Method. The results of this study show that the profit variable of the previous period has a negative contribution to the endogenous profit variable. However, asset and financing variables in the previous period contributed positively to endogenous profit variables. There has been no previous research that discusses the contribution of variable assets and financing to the profit of Islamic banking in Indonesia using Vector Autoregressive Models. In order for the profit of Islamic banks to always increase, Islamic banks must always increase the number of their assets by increasing the amount of financing disbursed.   Pertumbuhan laba bank syariah di Indonesia cenderung menurun dari periode Covid-19 hingga saat ini. Namun, jumlah aset dan jumlah pembiayaan bank syariah cenderung mengalami peningkatan dari satu periode ke periode berikutnya. Artikel ini membahas mengenai kontribusi aset dan pembiayaan terhadap profitabilitas perbankan syariah di Indonesia. Artikel ini dibuat dengan menggunakan metode penelitian kuantitatif. Data berasal dari Otoritas Jasa Keuangan (OJK), yaitu data terkait jumlah laba, aset, dan pembiayaan pada laporan Statistik Perbankan Syariah khususnya Bank Umum Syariah dari tahun 2019 sampai dengan tahun 2023. Kemudian analisis kontribusi antara variabel aset, pembiayaan dan laba bank syariah dianalisis dengan menggunakan pendekatan ekonometrika yaitu Metode Vector Auto Regression (VAR). Hasil temuan penelitian ini menunjukkan bahwa variabel laba periode sebelumnya memiliki kontribusi negatif terhadap variabel laba endogen. Namun, variabel aset dan pembiayaan periode sebelumnya berkontribusi positif terhadap variabel laba endogen. Belum ada penelitian sebelumnya yang membahas mengenai kontribusi variabel aset dan pembiayaan terhadap laba perbankan syariah di Indonesia dengan menggunakan Vector Autoregressive Models. Agar laba bank syariah selalu meningkat, maka bank syariah harus selalu meningkatkan jumlah asetnya dengan cara meningkatkan jumlah pembiayaan yang disalurkan.
Pengaruh Pendidikan Dan Pengalaman Kerja Terhadap Etos Kerja Karayawan PT Bank Muamalat Indonesia Kc Padangsidimpuan Nofinawati; Nasution, Adanan Murroh; Isa, Muhammad; Willy Syarif
Krigan: Journal of Management and Sharia Business Vol. 2 No. 1 (2024): Juni 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v2i1.8407

Abstract

Abstrak Etos kerja karyawan pada PT. Bank Muamalat Indonesia, KC. Padangsidimpuan belum maksimal dan menunjukkan bahwa pendidikan kerja karyawan masih kurang dan pengalaman kerja karyawan juga rendah itu ditunjukkan dengan menurunnya kinerja PT. Bank Muamalat Indonesia. Tujuan penelitian ini adalah untuk mengetahui pengaruh pendidikan dan pengalaman kerja secara parsial dan simultan terhadap  etos kerja karyawan di PT. Bank Muamalat Indonesia, KC.Padangsidimpuan. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan data primer. Instrumen pengumpulan data dilakukan dengan menggunakan angket. Pengambilan sampel pada penelitian ini menggunakan teknik non proboblity sampling yaitu sampel jenuh dengan jumlah sampel 15 responden yang diambil dari seluruh anggota populasi yaitu karyawan PT. Bank Muamalat Indonesia, KC.Padangsidimpuan. Adapun uji analisis yang digunakan dalam penelitian ini adalah uji validitas, uji reliabilitas, uji normalitas, uji asumsi klasik, uji t dan uji f dengan menggunakan bantuan SPSS versi 23. Berdasarkan hasil penelitian dan pengujian yang dilakukan menggunakan SPSS versi 23, hasil uji t menunjukkan bahwa terdapat pengaruh pendidikan terhadap etos kerja kerja karyawan di PT. Bank Muamalat Indonesia, KC.Padangsidimpuan. Dan terdapat pengaruh pengalaman kerja terhadap etos kerja karyawan di PT. Bank Muamalat Indonesia, KC.Padangsidimpuan. Begitu juga dengan hasil uji F menunjukkan bahwa terdapat pengaruh pendidikan dan pengalaman kerja terhadap etos kerja karyawan di PT. Bank Muamalat Indonesia, KC.Padangsidimpuan.   Abstract Work ethic of employees at PT. Bank Muamalat Indonesia, KC. Padangsidimpuan has not been optimal and shows that employee work education is still lacking and employee work experience is also low, which is shown by the decline in PT performance. Bank Muamalat Indonesia. The purpose of this research is to determine the partial and simultaneous influence of education and work experience on the work ethic of employees at PT. Bank Muamalat Indonesia, KC. Padangsidimpuan. This research is quantitative research using primary data. The data collection instrument was carried out using a questionnaire. Sampling in this study used a non-probability sampling technique, namely a saturated sample with a sample size of 15 respondents taken from all members of the population, namely employees of PT. Bank Muamalat Indonesia, KC. Padangsidimpuan. The analysis tests used in this research are validity test, reliability test, normality test, classical assumption test, t test and f test using SPSS version 23. Based on the results of research and testing carried out using SPSS version 23, the t test results show that there is an influence of education on the work ethic of employees at PT. Bank Muamalat Indonesia, KC. Padangsidimpuan. And there is an influence of work experience on the work ethic of employees at PT. Bank Muamalat Indonesia, KC. Padangsidimpuan. Likewise, the results of the F test show that there is an influence of education and work experience on the work ethic of employees at PT. Bank Muamalat Indonesia, KC. Padangsidimpuan.
Digital Financial Transformation and Efficiency in Islamic Banking Systems Nofinawati SEI MA; Adanan Murroh Nasution
Journal of Islamic Financial Technology Vol 4, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i2.18368

Abstract

This article aims to systematically synthesize the relationship between digital financial transformation and efficiency in the Islamic banking system, by assessing how the adoption of digital technologies affects operational performance, sharia compliance, and the expansion of financial inclusion. This study uses an interpretive-constructivist paradigm-based systematic literature review approach to examine empirical and conceptual findings in various cross-border studies. The analysis was carried out on digitalization trends, sharia compliance governance models, as well as efficiency indicators such as Cost-to-Income Ratio, accuracy of customer assessment, transaction speed, profitability, and financial stability. The theoretical framework is enriched by the integration of the Three Lines of Defense and Digital Shariah Compliance Committee models. The literature synthesis shows that digital transformation consistently improves the efficiency of Islamic banks through reducing operational costs, increasing the accuracy of customer assessments, accelerating transactions, increasing customer satisfaction, and expanding access to finance, including for underserved groups. However, significant challenges remain, including digital infrastructure gaps, cybersecurity risks, limited human resources, the complexity of harmonizing technology with sharia principles, and the need for stronger digital governance. The study's main novelty lies in the development of an integrated conceptual framework that explains the multidimensional mechanisms of how digitalization affects operational efficiency and sharia compliance in Islamic banking. This approach fills in the gap of the previous literature that tends to be fragmented, and presents a comprehensive perspective on the role of technology in strengthening the competitiveness of the Islamic finance industry. These findings affirm the importance of strengthening digital governance, improving human resource digital competence, harmonizing regulations across jurisdictions, and modernizing sharia supervision to ensure that digital transformation takes place safely, inclusively, and sustainably. The study provides a theoretical and practical basis for regulators, academics, and industry to design effective digitalization strategies in Islamic banking.Keyword : Digital Financial Transformation, Efficiency, Islamic Banking Systems
Co-Authors Azwar Hamid DEDE RUSLAN Ferdy Kurniawan Hasibuan, Fitriani Hasibuan, Randy Endar Muda Ihdi Aini Marliyah, Marliyah Muhammad Isa Muhammad Isa Nofinawati Nofinawati Nofinawati Nofinawati SEI MA Panggabean, Apriani Rahmadana, Muhammad Fitri Rahmat Husein Lubis Rambe, Fitriyani Reski Amanah Romadhonna Siregar Rukiah Rukiah Sarmiana Batubara Sipahutar, Sindi Rahayu sri sudiarti Utari, Lin Putri Warni Lubis Willy Syarif Yarham, M.