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All Journal Jurnal Akuntansi Indonesia Jurnal Ekonomi Syariah Teori dan Terapan Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Islam Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Jurnal Manajerial Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal MEBIS (Manajemen dan Bisnis) Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Oeconomicus Journal of Economics El-Qist : Journal of Islamic Economics and Business (JIEB) Management of Zakat and Waqf Journal (MAZAWA)) Dynamic Management Journal ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Journal of Indonesian Sharia Economics Al-Muraqabah: Journal of Management and Sharia Business Jurnal Ekonomi Islam Journal of Islamic Economics and Finance Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Al-Iqtishad: Jurnal Ekonomi Syariah BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Qoumun: Journal of Social and Humanities
Pratikto, Muhammad Iqbal Surya
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Analisis Tingkat Kesehatan dan Potensi Financial Distress dengan Metode RGEC Pada BNI Syariah Tahun 2014-2018 Iqbal Surya Pratikto, Muhammad; Qanita, Ariza; Ulfa Maghfiroh, Rahma
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 9 No. 1 (2019): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2019.9.1.87-101

Abstract

Penilaian tingkat kesehatan bank merupakan hal yang sangat penting, tidak hanya untuk kepentingan stakeholder melainkan juga untuk kepentingan perusahaan itu sendiri. Dengan mengetahui kondisi kesehatan bank, manajemen bisa lebih mudah dalam menentukan arah kebijakan jalannya perusahaan ke depan. Dalam menjalankan bisnisnya, perbankan harus memperhatikan aspek risiko yang mungkin diakibatkan dari kegiatan operasionalnya. Penelitian ini bertujuan untuk menilai tingkat kesehatan dan potensi financial distress pada bank BNI Syariah dari tahun 2014 sampai 2018. Penilaian tingkat kesehatan bank sangat penting baik untuk stakeholder maupun untuk kepentingan pengambilan keputusan bagi manajemen bank itu sendiri. Tingkat kesehatan bank dibagi menjadi lima kategori yaitu “Sangat Sehat” yang dipersamakan dengan Peringkat Komposit 1 (PK-1), “Sehat” yang dipersamakan dengan Peringkat Komposit 2 (PK-2), “Cukup Sehat” yang dipersamakan dengan Peringkat Komposit 3 (PK-3), “Kurang Sehat” yang dipersamakan dengan Peringkat Komposit 4 (PK-4), dan “Tidak Sehat” yang dipersamakan dengan Peringkat Komposit 5 (PK-5). Metode penilaian tingkat kesehatan bank telah mengalami berbagai perubahan mulai dari CAMEL, CAMELS, dan yang terakhir dan saat ini digunakan adalah RGEC. RGEC mengukur empat komponen yaitu Risk Profile yang diproksikan melalui NPF dan FDR, GCG yang diproksikan melalui PDN, Earnings yang diproksikan melalui ROA, ROE, NI, dan BOPO, serta Capital yang diproksikan melalui CAR. Jenis penelitian ini adalah kuantitatif deskriptif dengan menggunakan metode RGEC (Risk Profile, Good Corporate Governance, Earnings, dan Capital) dalam analisis laporan keuangan. Hasil penelitian ini menunjukkan bahwa bank BNI Syariah dari tahun 2014 sampai 2018 masuk dalam peringkat PK-2 dan dinyatakan sehat serta tidak berpotensi mengalami financial distress.
Analisis Tingkat Kesehatan Bank melalui Pendekatan RGEC (Risk Profile, Good Corporate Governance, Earning, Capital) Tahun 2014-2018 (Studi Pada PT Bank Bri Syariah (Persero) Tbk.) Surya Pratikto, Muhammad Iqbal; Safitri, Galuh Ajeng; Basya, Maziyah Mazza
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 9 No. 2 (2019): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2019.9.2.128-142

Abstract

Bank sehat merupakan suatu bank yang mampu berfungsi dalam menjalankan fungsinya dengan baik. Bank memiliki banyak fungsi salah satunya sebagai lembaga intermediasi dan bank dapat menumpuhkan kepercayaan masyarakat agar terjadi peningkatan kinerja yang lebih efisien. Tujuan dari penelitian ini untuk mengetahui tingkat kesehatan bank PT. Bank BRI Syariah (persero) Tbk dengan melalui metode RGEC (Risk Profile, Good Corporate Governance, Earning, Capital). Risk profile diukur rasio kredit melalui NPF dan rasio likuiditas diukur melalui FDR. Good Corporate Governance diukur menggunakan rasio PDN, Earning diukur menggunakan rasio ROA,ROE, NI, dan BOPO, dan Capital dapat diukur menggunakan rasio CAR. PT. Bank BRI Syariah (persero) Tbk setelah dianalisis menggunakan metode RGEC (Risk Profile, Good Corporate Governance, Earning, Capital) dapat dianggap cukup sehat atau dapat dikatakan peringkat 3, dilihat dari keseluruhan pengukuran rasio Good Corporate Governance (GCG) dan rasio Earning (rentabilitas) kinerja perusahaan masih belum cukup baik sehingga diperlukan adanya sebuah kebijakan dan peningkatan kinerja dalam pengelolaan asset. Bank BRI sudah baik dalam mengatasi adanya kredit macet dan masuk pada peringkat 2 terlihat pada hasil analisis risk profile yang mana mendapatkan predikat sehat. Dalam hal mengatasi biaya modal Bank BRI mendapat peringkat 1 yaitu sehat. Bank BRI mampu memenuhi segala kewajiban dengan modal yang cukup.
ANALYSIS OF THE HEALTH LEVEL OF BRI SHARIA BANK THROUGH RGEC METHOD FROM 2016 TO 2020 Ali Mustofa, Imam; Nurhayati, Nurhayati; Fatwa, Fajruddin; Musyafa’ah, Suqiyah; Iqbal Surya Pratikto, Muhammad
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 8 No. 2 (2018): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2018.8.2.1676-1703

Abstract

With this research, it can be known whether or not BRI Syariah Bank is healthy through the application of the RGEC method from 2016 to 2020. In carrying out an analysis of the health of BRI Syariah banks, the author uses technical analysis of the data through the application of the RGEC method. This research uses a descriptive quantitative approach that uses the RGEC method or steps through 4 analysis components consisting of Risk Profile, GCG, Earnings, and Capital. Where the ratios contained in each component of the analysis are contained in a financial report. This study resulted in a conclusion that the soundness of BRI Syariah banks in 2016-2020 that applied the RGEC method assessed through four analysis components and eight ratios consisting of NPF, FDR, PDN, ROA, ROE, NI, BOPO, and CAR obtained a healthy rating.
Implementasi Akad Mudharabah Mutlaqah Pada Tabungan Haji IB Amanah Terhadap Profitabilitas PT Bank Pembangunan Daerah Jawa Timur Tbk. El Nadia, Nada; Masadah; Muhammad Yazid; Muhammad Iqbal Surya Pratikto; Nurul Fatma Hasan
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.16-34

Abstract

This study explores the implementation of mudharabah mutlaqah contracts in the IB Amanah Hajj Savings product offered by the Islamic Business Unit of Bank Jatim, and its contribution to the bank’s profitability. Using a qualitative descriptive approach, field data were collected through interviews, observation, and document analysis at Bank Jatim KCPS Sampang. The findings reveal that the application of mudharabah mutlaqah aligns with the DSN-MUI Fatwa No. 02/DSN-MUI/IV/2000 and enables the bank to profit from Hajj deposits while maintaining Sharia compliance. Over the period 2019–2021, IB Amanah contributed between 1.25% and 1.31% to the bank's net profit, with a 90:10 profit-sharing ratio favoring the bank. The study contributes to the global Islamic finance literature by demonstrating how long-term religious savings products can support the financial sustainability of regional Islamic banking institutions. It also offers a practical framework for integrating Sharia contracts into public savings mechanisms without compromising operational profitability. This case can inform international practices, especially in Muslim-majority economies aiming to optimize Hajj fund management through ethical investment strategies. Future research could compare mudharabah-based Hajj savings with other contract models (e.g., wadi’ah) across jurisdictions to assess risk-sharing efficiency and depositor trust in Islamic financial institutions.
Assessing the Sharia Compliance of Hotel Facilities and Services in East Java: A Comparative Analysis of National and International Standards Rahmawati, Lilik; Pratikto, Muhammad Iqbal Surya; Wigati, Sri; Muflihin, Muhammad Dliyaul; Rahmani, Nur Maulidah Dini; Muntazeri, Eliya Najma
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 15 No. 1 (2025): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2025.15.1.32-44

Abstract

This study aims to examine the compliance of Sharia-compliant hotels in East Java, Indonesia, with both national standards (DSN-MUI Fatwa No. 108/2016) and international benchmarks (CrescentRating and Salam Standard). Utilizing a qualitative methodology involving field observations and semi-structured interviews across three hotels—Namira Syariah Surabaya, Radho Syariah Malang, and Walan Syariah Sidoarjo—the research reveals partial yet consistent alignment with core Sharia hospitality principles. These include the prohibition of immoral activities, availability of prayer amenities, and the absence of alcohol and gambling. However, the integration of Islamic financial institutions remains absent across all hotels, indicating a gap in full Sharia compliance as defined nationally. From an international perspective, all hotels meet the "Accommodates" level (Level 4) under CrescentRating and correspond to Silver or Gold tiers in the Salam Standard. This study contributes to global halal tourism scholarship by offering a multi-framework compliance assessment model that can guide policy formulation and standardization efforts in Muslim-friendly destinations. It also emphasizes the urgent need for unified regulatory frameworks, formal certification, and integration of Islamic finance within the halal hospitality sector. Future research should extend this analysis to higher-rated hotels and conduct cross-regional comparisons to assess consistency in compliance and service quality.
Mekanisme Pengawasan Halal Supply Chains di Pasar Tradisional Indonesia sebagai Upaya Perlindungan Konsumen (Studi Kasus: Komoditi Daging Ayam dan Sapi di Empat Pasar Tradisional Surabaya) Arifin, Ah. Ali; Musafa’ah, Suqiyah; Pratikto, Muhammad Iqbal Surya; Basya, Maziyah Mazza; Malik, Rizki Azizah
OECONOMICUS Journal of Economics Vol. 5 No. 2 (2021): (Juni) edisi 10
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/oje.2021.5.2.133-156

Abstract

The guarantee of halal food products is not limited to only semi-finished and finished food products, but also to raw materials consumed by Muslims, which in this research are chicken and beef commodities. This research aims to map the supply chain for chicken and beef commodities with the Halal supply chain concept in Indonesia by taking research samples at four traditional markets in Surabaya, namely Wonokromo Market, Balongsari Market, Kedurus Market and Pegirian Market. This mapping of the supply chain for chicken and meat commodities was carried out to determine any potential irregularities that occurred at each point and monitoring efforts to maintain Sharia compliance throughout the process. The research approach used in this research is qualitative research referring to Biklen's theory, namely starting from the Thesa (the concept and theory of the Halal Supply Chain) and the Antithesis (alleged deviations at each point in the Halal Supply Chain of chicken and beef commodities) which are then analyzed to form Synthesis (Results of analysis of the Halal Supply Chain concept in the chicken and beef commodity supply chain). The research results obtained are the process of tracing the chicken and beef supply chain starting from farms, livestock middlemen, slaughterhouses, traders in traditional markets until finally reaching the final consumer. In the supply chain process, risks of irregularities can be identified, namely the sale of tiren chickens, the feeding of dangerous substances to chickens and cattle, the slaughter of animals that do not comply with Sharia, and the sale of dedeh. Integrative supervision by the Animal Husbandry Service, MUI and the Consumer Protection Foundation is carried out to prevent the risk of deviations from the Halal Supply Chain for chicken and beef meat commodities in Indonesia.
Mekanisme Pengawasan Halal Supply Chains di Pasar Tradisional Indonesia sebagai Upaya Perlindungan Konsumen (Studi Kasus: Komoditi Daging Ayam dan Sapi di Empat Pasar Tradisional Surabaya) Arifin, Ah. Ali; Musafa’ah, Suqiyah; Basya, Maziyah Mazza; Pratikto, Muhammad Iqbal Surya
OECONOMICUS Journal of Economics Vol. 8 No. 2 (2024): (June) edisi 16
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/oje.2024.8.2.140-162

Abstract

The guarantee of halal food products is not limited to only semi finished and finished food products, but also to raw materials consumed by Muslims, which in this research are chicken and beef commodities. This research aims to map the supply chain for chicken and beef commodities with the Halal supply chain concept in Indonesia by taking research samples at four traditional markets in Surabaya, namely Wonokromo Market, Balongsari Market, Kedurus Market and Pegirian Market. This mapping of the supply chain for chicken and meat commodities was carried out to determine any potential irregularities that occurred at each point and monitoring efforts to maintain Sharia compliance throughout the process. The research approach used in this research is qualitative research referring to Biklen's theory, namely starting from the Thesa (the concept and theory of the Halal Supply Chain) and the Antithesis (alleged deviations at each point in the Halal Supply Chain of chicken and beef commodities) which are then analyzed to form Synthesis (Results of analysis of the Halal Supply Chain concept in the chicken and beef commodity supply chain). The research results obtained are the process of tracing the chicken and beef supply chain starting from farms, livestock middlemen, slaughterhouses, traders in traditional markets until finally reaching the final consumer. In the supply chain process, risks of irregularities can be identified, namely the sale of tiren chickens, the feeding of dangerous substances to chickens and cattle, the slaughter of animals that do not comply with Sharia, and the sale of dedeh. Integrative supervision by the Animal Husbandry Service, MUI and the Consumer Protection Foundation is carried out to prevent the risk of deviations from the Halal Supply Chain for chicken and beef meat commodities in Indonesia
Development of a Website-Based Halal Supply Chain Management Information System Model and its Implications for Productive Zakat Management Surya Pratikto, Muhammad Iqbal; Arifin, Ah. Ali; Azizah Malik, Rizki
Management of Zakat and Waqf Journal (MAZAWA) Vol. 6 No. 1 (2024): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

a food can be said to be halal or haram not only seen from the basic ingredients, but broader than that, it needs to be seen from additional ingredients, processing, production processes, packaging, distribution, storage to the final consumer ‘end-user’. Therefore, the supply chain is an approach that is in accordance with the indicators of food that can be said to be halal. This research aims to describe the concept of Halal Supply Chain for chicken and beef commodities whose management model can have implications for the management of productive zakat funds. In addition, designing a website-based technology system for halal beef and chicken supply chains The research approach used in this research is a qualitative approach using data collection methods of interviews, observation, and documentation, after the data is collected, the data is processed using the system development life cycle (SDLC) method. The system development life cycle (SDLC) consists of 6 stages, namely planning (planning), analysis (analysis), design (design), development (development), testing or implementation (testing & integration), and the last is maintenance (maintenance). The results obtained from this study define the concept of halal supply chain for chicken and beef commodities as a series of processes from upstream to downstream that apply halal principles in every process. Researchers designed a technological breakthrough in a series of halal supply chain processes packaged in a container called a website/application. The use of the website is expected to facilitate every process carried out by stake holders or business actors involved in the halal supply chain. Some of the menus displayed on the website include: Breeders, Abattoirs, Traders, Buyers / Consumers, Halal MUI, Livestock Service Office, Indonesian Consumers Foundation
Feasibility Analysis of Gold Pawn Financing under Sharia-Based Good Corporate Governance: Evidence from Bank Syariah Indonesia Kamilah, Athia Nur; Muhammad Iqbal Surya Pratikto; Miftah Hur Rahman ZH
Qoumun: Jurnal Pengabdian Masyarakat Vol 1 No 1 (2025): Qoumun: Journal of Social and Humanities
Publisher : Cv. Kayaswara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65097/qoumun.v1i1.49

Abstract

This study aims to analyze the feasibility assessment of gold pawn financing products and the implementation of Sharia-based Good Corporate Governance (GCG) at Bank Syariah Indonesia, KCP Surabaya Manukan. A descriptive qualitative approach was employed, with data collected through observation, interviews, and documentation. Data analysis involved reduction, presentation, and conclusion drawing. The findings reveal that the bank applies three feasibility indicators: character, capacity, and collateral (assessed through physical testing, chemical testing, and specific gravity testing), while capital and condition of economy are not applied. The implementation of Sharia-based GCG covers transparency, accountability in accordance with relevant laws and DSN-MUI fatwas, and fairness in customer service. However, accountability and professionalism aspects remain suboptimal due to the lack of specialized gold pawn training for staff, despite formal appointment. This condition may pose operational risks to the bank.
ANALISIS TINGKAT KESEHATAN KINERJA KEUANGAN PERBANKAN SYARIAH MELALUI METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, CAPITAL) TAHUN 2015-2019 (Studi pada PT Bank Syariah Bukopin (Persero) Tbk) Rizka Nur Aini; Muhammad Iqbal Surya Pratikto
JURNAL PROFIT Vol 5, No 1 (2021): Economic Manajerial
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v5i1.1998

Abstract

ABSTRAKSektor Perbankan di Indonesia memegang peranan penting dan menjadi urat nadi bagi perekonomian. Sesuai dengan UU No. 10 Tahun 1998, tujuan dari perbankan di Indonesia yaitu meningkatkan pembangunan nasional dan pertumbuhan ekonomi sebagai upaya untuk mensejahterakan rakyat. Sisterm operasional bank harus mempertimbangkan aspek risiko yang mungkin timbul. oleh karena itu, prinsip kehati-hatian wajib diterapkan utamanya pada perbankan syariah. Pengelolaan tersebut akan besar pengaruhnya terhadap kesehatan bank. PT.Bank Syariah Bukopin (persero) Tbk. merupakan bank yang menyediakan Produk dan Layanan terbaik sesuai dengan Prinsip Syariah yang bermula masuknya konsorsium PT Bank Bukopin. Tujuan dari penelitian ini adalah untuk mengetahui tingkat kesehatan kinerja keuangan pada PT. Bank Syariah Bukopin tahun 2015-2019 dengan menggunakan metode RGEC. Jenis penelitian ini yaitu penelitian kuantitatif deskriptif dengan metode RGEC dalam menganalisis laporan keuangan. Hasil penelitian jika dilihat dari rasio Risk Profile perusahaan dapat dikategorikan cukup sehat dan bank Syariah bukopin sudah baik dalam menangani masalah kredit macet. untuk rasio Good Corporate Governance kinerja perusahaan sangat baik dan berarti manajemen tidak melakukan pelanggaran selama kurun waktu 2015-2019 dan untuk Rasio Earning kinerja perusahaan masih belum cukup baik sehingga diperlukan adanya kebijakan baru guna meningkatkan kesehatannya. Untuk rasio Capital kondisi perusahaan dapat dikategorikan sangat sehat artinya bank mampu memenuhi segala kewajiban dengan modal yang cukup.Kata Kunci : Perbankan, Kesehatan Bank, Metode RGEC, Bukopin Syariah
Co-Authors Achmad Fajruddin Fatwa Adam Bin Hamzy, Muhammad Ali Mustofa, Imam Amalia, Najwa Aminin, Rista Izza Ardyanfitri, Helmina Arifin, Ah. Ali Ariza Qanita Auliyaun Nisaa, Mufida Azizah Malik, Rizki Clarissa Belinda Fabrela El Nadia, Nada Enha Arini Khusnul Faizah Enha Arini Khusnul Faizah Fabrela, Clarissa Belinda Fatwa, Fajruddin Fayakun, Aldo Deva Feni Febrianti Galuh Ajeng Safitri Hadi, Nurrohman Hafidz Akmal khoirony Handila Rizka Helmina Ardyanfitri Herlina Rahma Yanti Ihsan, Nurul Ilham, Muhamad Arifin Imam Ali Mustofa Kamilah, Athia Nur Khasanah, Faizatun Laila maghfiroh Lola Triaulina Maghfiroh, Rahma Ulfa Malik, Rizki Azizah MASADAH Masadah Maziyah Mazza Basya Miftah Hur Rahman Zh Mohammad Dliyaul Muflihin Mohammad Khoiruzi Afiq Muhammad Yazid Muhammad Yazid Muntazeri, Eliya Najma Musafa’ah, Suqiyah Musyafa’ah, Suqiyah Nabilatul Amaliyah Nabilatul Mumtazah Putri Husaein Nabilla, Wulan Alyu Nada El Nadia Nisha Nor Rahmawati Nur Cahyani, Della Nur Maulidah Dini Rahmani Nurhayati Nurhayati Nurhayati Nurhayati Nurrohman Hadi Nurul Aulia Herlina Angganita Nurul Fatma Hasan Nurul Ihsan Putri Ayu Fitria Sari Qanita, Ariza Rafi Setya Iqbal Pratama Rahma Ulfa Maghfiroh Rahmani, Nur Maulidah Dini Rahmawati, Lilik Rizka Nur Aini Sa'bania, Nisfuizza Rara Nur Safitri, Galuh Ajeng Sari, Mita Permata Sari, Putri Ayu Fitria Setya Iqbal Pratama, Rafi Setya Iqbal Pratama, Rafi Siti Nur Azizah Sofyanto, Dita Putri Sri Wigati Suqiyah Musafaah Toyyibatus Samsiah Ulfa Maghfiroh, Rahma Wulan Alyu Nabilla Yanti, Herlina Rahma