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All Journal IQTISHODUNA El Dinar Laa Maisyir Jurnal Ekonomi Islam I-Finance Journal I-ECONOMICS: A Research Journal on Islamic Economics Jurnal Dimensi Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Journal of Dedicators Community NISBAH: JURNAL PERBANKAN SYARIAH Jurnal Tabarru': Islamic Banking and Finance Iqtishoduna: Jurnal Ekonomi Islam JURNAL MANAJEMEN DAN BISNIS INDONESIA FINANSIA : Jurnal Akuntansi dan Perbankan Syariah BISEI: Jurnal Bisnis dan Ekonomi Islam Journal of Enterprise and Development (JED) International Journal of Economics Development Research (IJEDR) Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia JMK Jurnal Manajemen dan Kewirausahaan Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Journal of Islamic Economics and Finance Studies Journal of Sharia Economics Filantropi: Jurnal Manajemen Zakat dan Wakaf Jurnal Cendekia Keuangan Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Maliki Islamic Economics Journal Inovasi Kesehatan Global J-MABES Commodities, Journal of Economic and Business Jurnal Ilmiah Bisnis dan Ekonomi Asia (Jibeka) I'thisom: Jurnal Ekonomi Syariah IJABAH: Indonesian Journal of Sharia Economics Business and Halal Studies Al-Infaq : Jurnal Ekonomi Islam IJIEF: Indonesian Journal of Islamic Economics and Finance
Guntur Kusuma Wardana
Departement Of Islamic Banking, Faculty Of Economics, Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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ANALYSIS COMPARATIVE OF ISLAMIC BANKING HEALTH LEVELS IN ASIA USING RGEC METHOD Wijaya, Ahmad Mada; Wardana, Guntur Kusuma
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i1.2151

Abstract

This research aims to compare the health levels of Sharia banks in Asia over the period 2017-2022 using the RGEC method, considering the factors of Risk Profile, Good Corporate Governance, Earnings, and Capital. Financial ratios used to assess bank health include risk profile using 2 ratios namely NPF and FDR, GCG factor using selfassessment, Earnings using 4 ratios namely ROA, ROE, BOPO, and capital factors including the CAR ratio. The type of research used is quantitative descriptive research. The data obtained are secondary data in the form of annual financial reports of the companies. The research results show significant differences in the health of Sharia banks in Asia measured using the RGEC method. Sharia Banks categorized as "Very Healthy" are Al Rajhi Bank, Dubai Islamic Bank, Qatar Islamic Bank, Maybank Islamic Berhad, and Ziraat Katilim Bankansi. While Sharia banks categorized as "Healthy" are Boubyan Islamic Bank, Bank Pasargad Iran, Al Salam Islamic Bank, and Islamic Bank Limited. Then the Sharia banking categorized as "Fairly Healthy" is Bank Muamalat Indonesia.
THE EFFECT OF LIQUIDITY, LEVERAGE, CAPITAL, EFFICIENCY, AND ASSET QUALITY ON ISLAMIC BANKS PROFITABILITY IN ASIA Lina Kurniawati; Guntur Kusuma Wardana; Muhammad Riza Hafizi
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 8 No 2 (2025): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v8i2.10454

Abstract

Sharia banking in Asia has experienced rapid asset growth and has become a major contributor to the global Islamic finance industry. However, this asset growth has not always been accompanied by stable profitability due to high operating costs and financing risks. This study aims to examine the FDR, DAR, CAR, CIR, and NPF on ROA in Islamic banking in Asia. This study uses a descriptive quantitative approach with panel data regression analysis. The results show that, partially, the variables FDR, DAR, and CAR do not have a significant effect on ROA, while the variables CIR and NPF have a significant negative effect on ROA in Islamic banks in Asia. Simultaneously, all independent variables have a significant effect on ROA in Islamic banks in Asia. This study explains that asset efficiency and quality are important factors that affect the profitability of Islamic banking in Asia. The implication of this study is the need to strengthen financing risk management and improve operational efficiency to maintain the financial performance of Islamic banking.
Integrasi Higinitas, Sanitasi, dan Nilai-Nilai Religius di Lingkungan Pesantren Noer Aisyah Barlian; Guntur Kusuma Wardana; Wahyuning Murniati
Inovasi Kesehatan Global Vol. 1 No. 4 (2024): November: Inovasi Kesehatan Global
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/ikg.v2i4.1571

Abstract

Pesantren, as the oldest Islamic educational institutions, face complex challenges in environmental health management, primarily due to high residential density, limited sanitation infrastructure, and varying practices of Healthy and Clean Living Behaviors (PHBS). Although the religious concept of taharah (purity) serves as a foundation for cleanliness, there is a lack of in-depth research examining the integration of religious values, infrastructure conditions, and management systems in shaping the daily hygiene experiences of santri (students).This study aims to explore the santri's experience regarding environmental health management in pesantren, focusing on the integration of hygiene, sanitation, and Islamic religious values, while also identifying factors and challenges related to PHBS practices. This qualitative research, utilizing a descriptive phenomenology design, collected data through in-depth interviews with three female santri informants (with 8–9 years of boarding experience). Data analysis was conducted using the six-phase thematic analysis method by Braun & Clarke (2006).The study identified five main themes: (1) Infrastructure is quantitatively adequate but faces operational issues (queues, seasonal clean water scarcity); (2) PHBS practices show positive behavioral changes (self-reliance) but waste management remains traditional; (3) The religious value of taharah acts as a strong intrinsic motivation; (4) The management system involves multi-level roles (kiai-ustaz-administrators) that face consistency challenges; and (5) Main obstacles include limited facilities, varying levels of santri awareness, and disparity in educational programs. Poskestren (Pesantren Health Post) represents an institutional effort to provide basic health services.Environmental health management in pesantren requires a holistic approach, integrating infrastructure improvement and sustainable waste management systems, alongside developing education that unites Islamic religious values with modern health knowledge. Optimizing the religious strategy and strengthening national monitoring/standardization systems are key to program sustainability.
The Effect of Wadiah Savings and Wadiah Current Accounts on the Profitability of Sharia Commercial Banks in Indonesia Mochammad Ainur Rozikin; Guntur Kusuma Wardana
IJIEF: Indonesian Journal of Islamic Economics and Finance Vol. 8 No. 2 (2025): Indonesian Journal of Islamic Economics and Finance
Publisher : Department of Islamic Economics, Postgraduate Program, UIN Kiai Haji Achmad Siddiq, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ijief.v8i2.2395

Abstract

Profitability is a crucial indicator of a bank's success in performing its intermediary function in managing public funds. Therefore, Islamic commercial banks need to continually enhance their profitability. Factors such as wadiah savings and wadiah current accounts are considered to contribute to sustainable profitability, as they reflect the bank’s ability to manage financial risks, meet obligations, and optimize asset utilization. This study aims to analyze the effect of wadiah savings and wadiah current accounts on the profitability of Islamic commercial banks in Indonesia, using profit-sharing financing and non-profit-sharing financing as control variables. This research employs a quantitative descriptive method. The population consists of 14 Islamic commercial banks registered with the Financial Services Authority (OJK) in 2024, from which 8 banks were selected using purposive sampling. The study uses secondary data obtained from annual financial reports of each bank during the 2013–2024 period. Data analysis was conducted using the panel data regression method with EViews 13. The results show that wadiah savings and wadiah current accounts partially and simultaneously have a significant effect on the profitability of Islamic commercial banks in Indonesia.
The Mediation Effect of Price to Book Value on Financial Ratio to Stock Return Almuzayyad; Guntur Kusuma Wardana
LAA MAISYIR: Jurnal Ekonomi Islam Vol. 12 No.2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i2.63006

Abstract

Stock returns are main indicators used by investors to assess the performance of a stock, including those of Islamic financial institutions listed on the Indonesia Stock Exchange (IDX). Stock returns can be influenced by financial ratios such as ROA, DER, CR, TATO, and EPS. This study aims to determine the effect of ROA, DER, CR, TATO, and EPS on stock returns through PBV in Islamic financial institutions listed on the IDX for the period 2020-2024. This study uses a quantitative method. The population in this study consists of 59 companies, including 4 Islamic banks and 55 Islamic insurance companies, using purposive sampling techniques that produced 9 samples. This study used secondary data sourced from quarterly reports Islamic financial institutions listed on the IDX for the period 2020-2024. The results show that PBV is unable to mediate the effect of ROA, DER, CR, TATO, and EPS on the stock returns of Islamic financial institutions listed on the IDX for the period 2020-2024. However, the results of testing the hypothesis of direct influence on stock returns show that DER, CR, TATO, and EPS have a significant effect on stock returns. Meanwhile, ROA does not have a significant effect on stock returns.
Market Share Perbankan Syariah Di Indonesia: Makro Ekonomi Dan Financial Performance: Market Share of Islamic Banking in Indonesia: Macroeconomics and Financial Performance Amalia, Baiq Naili; Wardana, Guntur Kusuma
IJABAH: Indonesian Journal of Sharia Economics, Business, and Halal Studies Vol. 2 No. 2 (2024): Ijabah Volume 2 Number 2 Year 2024
Publisher : IJABAH: Indonesian Journal of Sharia Economics, Business, and Halal Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ijabah.v2i2.639

Abstract

This study aimed to know the influence of macroeconomic factors (inflation, Bi Rate) and Financial Performance (ROA, CAR, FDR) onthe market share of Islamic banking in Indonesia. This study is quantitative with an explanatory approach. The population in this study consisted of 14 Islamic Commercial Banks. The sample consisted of 6Islamic Commercial Banks registered with the Financial Services Authority (OJK) and Bank Indonesia. The sample was taken using a purposive sampling technique. The data analysis used panel data regression with Eviews 9. The results show that partially inflation, Bi Rate, FDR variables had a significant negative effect on the market share. ROA and CAR variables have no significant effect on the market share. In addition, simultaneously the variables of Inflation, Bi Rate, ROA, CAR, FDR have a significant effect on market share.
APAKAH DIGITALISASI MEMITIGASI RISIKO PEMBIAYAAN PADA BANK SYARIAH SECARA GLOBAL? Guntur Kusuma Wardana; Violinda Syahgaria Firdaus
Journal of Sharia Economics Vol. 7 No. 1 (2026): Islamic Economics
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v7i1.9809

Abstract

This study aims to examine the effect of profitability, liquidity, and technology on the financing risk of Islamic banks worldwide. The research is based on the global dynamics of financing risk, which ranges from 2.47% to 2, indicating a downward trend and reflecting an improvement in asset quality as well as the implementation of more prudent management. The method used is quantitative with a causality approach, analyzed through panel data regression using EViews 12 software. The results indicate that profitability has a significant effect on financing risk; liquidity (FDR) has a significant effect on financing risk; liquidity (QR) does not have a significant effect on financing risk; liquidity (CR) does not have a significant effect on financing risk; and technology does not have a significant effect on the financing risk of Islamic banks worldwide.
Co-Authors Abdul Hakim Yahya Abdussakir Abdussakir Ahmad, Yusuf Falaqi Al Hujjah Asianingrum Almuzayyad Amalia, Baiq Naili Amelia Fany Rachma Astriana, Chusnul Azzam Shidqie Baiq Naili Amalia Dewi, Annisa Sinta Dian Ayu Nur Afifah Ekawati Ramadhani Eko Widodo Elok Sri Utami Fadlil Abdani Faizah, Putri Nur Fitriyah Fitriyah Fitriyah, Vindi Nur Hanjoyo, Taryono Haryo, Ravi Hodi, Hodi Imam Rofiki Indah Yuliana Khusnia, Chinta Lestari, Renita Diyana Lina Kurniawati Marliastutik, Ika Selvia Maryam Faizah Meita Trisna Dewi Mochammad Ainur Rozikin Mohammad Ibnu Hibban Muhammad Nur Holis Muhammad Riza Hafizi Nisa’, Asfira Zakiatun Noer Aisyah Barlian Noer Aisyah Barlian, Noer Aisyah Nur Fauziyah Puji Handayati Qothrunnada, Qothrunnada Rafika Aulia Fauzi Ratih, Dian Rini Safitri Rini Safitri Rizkia Nur Aisyah, Wanda Rohman, Ahmad Habibur Rozikin, Mochammad Ainur Rusdiana, Rina Sahroni Eka Putra Satia Nur Maharani Shoumi, Indah Nur Hikmatus Susiana Susiana Tatang Ary Gumanti Violinda Syahgaria Firdaus Wahyu Agung Panji Subekti Wahyuning Murniati Wati, Pury Ganes Wijaya, Ahmad Mada Yanti, Yusri Rahma Yaqinah, Nuriyatul Inayatil Yayuk Sri Rahayu Yusri Rahma Yanti