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All Journal Reflektika INTERACTION: Jurnal Pendidikan Bahasa Assyarikah : Journal of Islamic Economic Business Jurnal Ekonomika dan Bisnis Islam Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Assyarikah: Journal Of Islamic Economic Business Jurnal Perbankan Syariah Jurnal Ekonomi, Bisnis dan Manajemen INTERACTION: Jurnal Pendidikan Bahasa Reflektika
Faizah, Maftuhatul
Pascasarjana Universitas Islam Malang
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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Predicting Financial Distress in Islamic Banking: Evidence from Bank Muamalat Indonesia Using the Springate Model and Financial Ratios Rafiqi, Iqbal; Nadhirah, Afifah; Mujibno, Mujibno; Abidin, Zainal; Faizah, Maftuhatul
Assyarikah: Journal of Islamic Economic Business Vol 6, No 1 (2025): Assyarikah: Journal Of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/assyarikah.v6i1.2105

Abstract

This study assesses the potential for financial distress in Bank Muamalat Indonesia the country’s pioneering Islamic bank by integrating financial ratio analysis with the Springate predictive model. Triggered by persistent fluctuations in profitability metrics, the study investigates whether key financial indicators. Return on Assets (ROA), Return on Equity (ROE), Operating Expenses to Operating Income (BOPO), and Financing to Deposit Ratio (FDR) significantly influence financial distress. Using a descriptive quantitative design and quarterly data from 2016 to 2022, multiple regression results indicate that none of the selected ratios exert a statistically significant effect (p > 0.05). However, the Springate model consistently produced S-scores above the distress threshold (0.862), indicating financial resilience throughout the study period. The findings suggest that while traditional performance ratios may lack predictive accuracy in this context, the Springate model provides a more reliable early-warning framework for assessing financial health. This study contributes to the literature on financial risk diagnostics in Islamic banking and offers practical implications for enhancing Shariah-compliant internal supervision systems.
Korelasi Dana Pihak Ketiga, Capital Adequacy Ratio, Non Performing Financing Terhadap Pembiayaan Pada PT. Bank Muamalat Indonesia Fauli Majdi, Zulha; Rafiqi, Iqbal; Faizah, Maftuhatul; Mujibno; Supriyadi
Jurnal Perbankan Syariah Vol. 4 No. 1 (2025): Jurnal Perbankan Syariah
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jps.v4i1.13068

Abstract

This study aims to analyze the relationship between third party funds, capital adequacy ratio, non-performing financing partially and simultaneously on financing at PT. Bank Muamalat Indonesia. The object of this study is the quarterly financial report of PT. Bank Muamalat Indonesia for the period 2018-2022. The data collection technique uses documentation with multiple linear regression analysis tests. The results of the t-test analysis show that partially the DPK variable has no effect on financing with a significance value of 0.100> 0.05 and a t-count value of 1.748 <t table 2.120. The NPF variable does not affect financing because the significance value is 0.308> 0.05 with a t-count value of 1.054 <2.120. The CAR variable affects financing with a significance value of 0.00 <0.05 and a t-count value of 7.131> 2.120. Simultaneously, the DPK, CAR, and NPF variables affect financing. This is proven by the sig-F value of 0.00 < 0.05 and the comparison of F table (3.20) < F count (21,773). The predictive ability of the three variables on financing is 76.6% as indicated by the amount of adjusted R2, while the remaining 23.4% is influenced by other ratio factors.
Evaluating The Practice of Wakalah bi Al-Ujrah in Fund Transfers: Insights from a Rural Islamic Bank in Indonesia Nabila, Qoriatun; Faizah, Maftuhatul
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 6, No 1 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v6i1.2108

Abstract

This study examines the implementation of Wakalah bi al-Ujrah contracts in fund transfer services at BPRS Bhakti Sumekar, an Islamic rural bank in Indonesia. As a Shariah compliant agency-based contract, Wakalah bi al-Ujrah allows customers to authorize the bank to conduct transactions on their behalf in exchange for a service fee. Using a qualitative case study approach, data were collected through interviews, observation, and document analysis. The findings show that while the contract structure aligns with Shariah principles, operational inefficiencies such as system disruptions and limited customer understanding affect service quality and consistency. This research highlights the need to strengthen internal procedures, improve customer education, and invest in operational infrastructure to enhance both efficiency and Shariah compliance in Islamic rural banking practices.
Bisakah Bank Muamalat Indonesia Menghindari Kesulitan Keuangan? Sebuah Investigasi Teori Model Springate Rafiqi, Iqbal; Afifah Nadhirah; Faizah, Maftuhatul
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p153-171

Abstract

Previous studies on financial distress in Islamic banking have tended to use broad samples. In contrast, this research specifically analyses the potential for financial distress at Bank Muamalat Indonesia, a leading Islamic bank which has recently undergone restructuring. The main objective is to examine how four financial ratios — Return on Assets (ROA), Return on Equity (ROE), Operational Costs to Operating Income (BOPO) and Financing to Deposit Ratio (FDR) influence the bank's financial distress. Additionally, the Springate Model is applied to predict the bank's financial distress during the period from 2016 to 2022, providing dual validation for the findings. A descriptive quantitative methodology was employed, with data sourced from Bank Muamalat Indonesia's quarterly financial statements. Multiple regression analysis indicates that the four financial ratios have no significant effect on financial distress, either partially or simultaneously (p-value > 0.05). Furthermore, analysis using the Springate Model is consistent with these findings. During the observation period, Bank Muamalat Indonesia's S-score consistently remained above 0.862, indicating healthy and stable financial conditions and suggesting that the bank is not predicted to experience financial distress
The Study of Gesture in Mind Your Language Movie Based on George Yule Perspective Faizah, Maftuhatul; Mustofa, Mutmainnah; Ghafur, Abd; Nurhasanah, Nurhasanah; Rafiqi, Iqbal
INTERACTION: Jurnal Pendidikan Bahasa Vol. 8 No. 1 (2021): INTERACTION: Jurnal Pendidikan Bahasa
Publisher : Program Studi Pendidikan Bahasa Inggris, Universitas Pendidikan Muhammadiyah Sorong

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

Abstract

This research examined the use of gesture on Mind Your Language movie season 1-5 perspective George Yule perspective. Mind Your Language movie is about condition of school or class that students from different country such as Italy, Germany, Greece, Spain, France, China, Japan, India and Pakistan. The objectives are to know the gesture used and how the gesture used on Mind Your Language movie based on George Yule perspective. The researcher used documentation to collect the data. During the process of research process, researchers here should see and hear repeatedly from “The Mind Your Language Movie”, then researchers showing the picture which one is showing the gesture, make every effort to collect and copy data which is related to the research. After that, the researchers finally processed it by using content analysis in a gesture based on George Yule perspective that are three Iconic, Deictic, and Beats. The result of this study is the researcher finds thirty eight gestures based on George Yule perspective that are iconic are twenty, deictic seven, and beats eleven. Each of the three gestures has different language functions ad meaning. Gestures on this movie used by teacher and students both in the classroom or outside the classroom.
STUDENTS’ PERCEPTION AUTHENTIC ASSESSMENT IN EXPLORING EFL READING CLASS Nurhasanah, Nurhasanah; Faizah, Maftuhatul; Mistar, Junaidi; Rafiqi, Iqbal
Reflektika Vol 16, No 1 (2021)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v16i1.569

Abstract

Self-assessment is one of the approaches to evaluate students’ reading skill in English. Through this test, students are permitted to find, know, and increase their reading skill. Reading is a challenging subject for many EFL students. They face various difficulties such as language barriers and lack of exposure to critically analyse the materials. This study aims to identify the students’ responses when they are asked to read in English. Further, a qualitative approach is applied, and data are collected from interview. The result of the study, students gradually respond favourably to the use of authentic assessment. They reveal that authentic assessment (1) motivates them to develop a reading routine so that they can learn more vocabulary and become more comfortable with English discourse, (2) aims to train them to exemplify their reading comprehension in more constructively such as writing reviews, presentations, and discussions, and (3) assists them in evaluating their own reading performance. In conclusion, most students admit that authentic assessment aids them in enjoying reading through a series of social practices, in this case, the use of authentic assessment components such as portfolios, performance assessment, and self-assessment.
INVESTIGATING EFL STUDENTS’ PERCEPTION IN READING COMPREHENSION THROUGH GOOGLE CLASSROOM Faizah, Maftuhatul; Mustofa, Mutmainnah; Hasanah, Nur; Dzulfikri, Dzulfikri; Rafiqi, Iqbal
Reflektika Vol 16, No 2 (2021)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v16i2.531

Abstract

One of the most crucial language skills for students to achieve is reading. Through their participation in this activity, students can improve their language skills and get experience. Using Google Classroom, this study attempted to examine EFL students' perceptions of reading comprehension. Because TBI (English Teaching Department) IAIN Madura is one of the universities that conducts online learning, it was chosen as the study's subject. This study used a sample of 26 students. Purposive sampling was used as a sample technique in this study. The results indicate that the students submitted useful and good responses. The results show that no student answered strongly disagree (SD), 3 students chose to disagree (11,5%), 16 students chose to agree (75%), and 6 students chose to strongly agree (23%). Google Classroom, it can be concluded, is a solution for online learning classes. As a result, Google Classroom can be used to collect student assignments and, more importantly, to help students improve their reading comprehension. Furthermore, if this application is effective, successful, and also assists students in assisting in e-learning, particularly in receiving feedback after completing the work assigned by the lecturer, it can be used in conjunction with Google Classroom as an e-learning solution for COVID-19.
Co-Authors Abd. Ghofur Achmad Jufri Afifah Nadhirah Alfan Zuhairi Dzulfikri Dzulfikri Dzulfikri, Dzulfikri Fatati Nuryana Fauli Majdi, Zulha Ghafur, Abd Holilur Rahman Imam Buchari, Imam Mujibno, Mujibno Mustofa, Mutmainnah Nabila, Qoriatun Nadhirah, Afifah Nur Hasanah Nur Hasanah Nurhasanah Nurhasanah Nurhasanah Nurhasanah Nurhasanah Nurhasanah Rafiqi, Iqbal Supriyadi TATI NURHAYATI Turmidi, Turmidi Zainal Abidin