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All Journal Jurnal Ekonomi Islam Jurnal Iqtisaduna Jurnal Ekonomi Islam Prosiding Seminar Nasional dan Call Paper STIE Widya Wiwaha JUEBIR: Journal of Economics and Business Research
Khoiriyah, Rahmawati
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Impact of Mudharabah Financing On The Advancement of Beef Cattle Industry Cahyani, Adisti; Khoiriyah, Rahmawati
Jurnal Iqtisaduna Vol 9 No 2 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i2.42704

Abstract

The study aims to determine the role of mudharabah financing on the development of beef cattle business in Boyolali. Mudharabah financing is a partnership contract based on the principle of profit sharing by means of one person providing his capital to another to conduct business and both parties share the profits or bear the burden of losses based on the contents of a joint agreement. MSMEs are used as an alternative to creating new jobs or jobs for the community, MSMEs have a very large function and role in encouraging the pace of economic growth. In this study using quantitative methods with primary data or questionnaire distribution as a source of data to be tested in this study and the object of research is beef cattle business. The respondents based on this study are Boyolali people who have a beef cattle business of 40 people / sample. This study used a simple linear regression test and a T test. the conclusion of the data processing results showed that the test results were partially obtained by the T Test, the significance value of 0.000 < 0.05, which means that there is a significant influence between mudharabah financing (X1) on the development of MSMEs (Y). And the regression coefficient of mudharabah financing of 0.619 means that the variable mudharabah financing (X) has a positive effect on the development of MSMEs (Y).
Pengaruh Digitalisasi, Literasi Keuangan, dan Persepsi Risiko Terhadap Keputusan Investasi Resyita, Cherina Pancha; Khoiriyah, Rahmawati
Journal of Economics and Business Research (JUEBIR) Vol. 2 No. 2 (2023): December 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/juebir.v2i2.8152

Abstract

This research aims to examine the influence of digitalization, financial literacy and risk perception on investment decision making. This research is a type of quantitative research that obtains primary data by distributing questionnaires. The population in this study were students from the Faculty of Economics and Islamic Business, Raden  Mas Said State Islamic University, Surakarta who had made investment. The sample in this research was selected using a non-probability method in the form of a purposive sampling technique. The samples used in this study amounted to 100 samples.. Data analysis was carried out using multiple linear regression analysis supported by the IBM Statistics SPSS 23 program. The research results show that there is a significant influence.
Persepsi Risiko dan Pengetahuan terhadap Minat dalam Penggunaan Layanan Online-Only Bank (Bank Digital tanpa Offline Store) Najma Nur Maulida; Khoiriyah, Rahmawati
Journal of Economics and Business Research (JUEBIR) Vol. 3 No. 1 (2024): June 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/juebir.v3i1.8153

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh antara persepsi risiko keamanan, persepsi risiko keuangan, dan pengetahuan terhadap minat penggunaan layanan perbankan syariah tanpa kantor fisik (online-only bank). Responden pada penelitian ini berjumlah 100 orag mahasiswa Universitas Islam Negeri (UIN) Raden Mas Said Surakarta. Metode pengambilan data dengan menggunakan kuesioner dengan pengolahan data menggunakan SPSS versi 23.0.  Hasil penelitian menunjukkan bahwa persepsi risiko keamanan dan persepsi risiko keuangan tidak berpengaruh terhadap minat dalam menggunakan layanan perbankan digital, sedangkan pengetahuan berpengaruh positif dan signifikan terhadap minat dalam menggunakan layanan perbankan digital.
THE INFLUENCE OF CONSUMPTION LEVELS, INFLATION, CAR, AND BOPO AGAINST PROBLEM FINANCING IN SHARIA COMMERCIAL BANK Amima, Alda Fildza; Khoiriyah, Rahmawati; Shamsuddin, Muhammad Aiman Hakim Bin
Ekonomi Islam Vol. 15 No. 1 (2024): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v15i1.13472

Abstract

The aim of this research is to identify variables that influence Non-Performing Financing (NPF) of sharia banking in Indonesia. Consumption level (GDP), price increase (inflation), capital adequacy (CAR), operating expenses and operating income (BOPO) are the variables used in this research as independent variables. This data was taken from the Sharia Financial Development Report and analyzed using the multiple regression method. The general population in this research is Sharia Commercial Banks registered with the Financial Services Authority (OJK) in 2018-2022, with a total research observation sample of 5 types of Sharia banks, because other categories of Sharia commercial banks do not meet the criteria for this research. The research results show that all variables do not have a significant influence on Non-Performing Financing (NPF) except that the Capital Adequacy Ratio (CAR) has a small influence on Non-Performing Financing (NPF). Previous research explains that capital adequacy (CAR) has a positive and significant effect on non-performing financing (NPF). Meanwhile, this research explains that capital adequacy (CAR) has a negative effect on non-performing financing (NPF).
Analisis Pengaruh Faktor Eksternal: Tingkat Inflasi, Suku Bunga BI, dan Pertumbuhan Ekonomi (GDP) terhadap Risiko Kredit Pada Bank Syariah (NPF) sucik lestari; Khoiriyah, Rahmawati
Journal of Economics and Business Research (JUEBIR) Vol. 3 No. 2 (2024): December 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/juebir.v3i2.8149

Abstract

This research aims to analyze the influence of inflation, BI interest rates, and economic growth (GDP) on NPF (Non-performing Financing). This study was conducted on Sharia Banks registered with Sharia Commercial Banks (BUS) in 2018-2022. The data used is secondary data from the annual reports of Sharia Banks. The sampling technique was purposive sampling, obtaining a research sample of 55 data. The research method used is a quantitative research method using data analysis techniques, namely panel data regression analysis, while data processing uses the Eviews 10 program. The research results show that the BI interest rate has a positive effect on NPF (Non-performing financing). Meanwhile, inflation and economic growth (GDP) has a negative effect on NPF (Non-performing financing).
THE INFLUENCE OF CONSUMPTION LEVELS, INFLATION, CAR, AND BOPO AGAINST PROBLEM FINANCING IN SHARIA COMMERCIAL BANK Amima, Alda Fildza; Khoiriyah, Rahmawati; Shamsuddin, Muhammad Aiman Hakim Bin
Ekonomi Islam Vol. 15 No. 1 (2024): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v15i1.13472

Abstract

The aim of this research is to identify variables that influence Non-Performing Financing (NPF) of sharia banking in Indonesia. Consumption level (GDP), price increase (inflation), capital adequacy (CAR), operating expenses and operating income (BOPO) are the variables used in this research as independent variables. This data was taken from the Sharia Financial Development Report and analyzed using the multiple regression method. The general population in this research is Sharia Commercial Banks registered with the Financial Services Authority (OJK) in 2018-2022, with a total research observation sample of 5 types of Sharia banks, because other categories of Sharia commercial banks do not meet the criteria for this research. The research results show that all variables do not have a significant influence on Non-Performing Financing (NPF) except that the Capital Adequacy Ratio (CAR) has a small influence on Non-Performing Financing (NPF). Previous research explains that capital adequacy (CAR) has a positive and significant effect on non-performing financing (NPF). Meanwhile, this research explains that capital adequacy (CAR) has a negative effect on non-performing financing (NPF).
FACTORS AFFECTING THE LEVEL OF WORKING CAPITAL FINANCING: THIRD-PARTY FUNDS, FINANCING TO DEPOSIT RATIO (FDR), AND NON-PERFORMING FINANCING (NPF) AT ISLAMIC COMMERCIAL BANKS IN INDONESIA PERIOD 2019-2024 Mahdalena, Mahdalena; Khoiriyah, Rahmawati
Prosiding Seminar Nasional dan Call Paper STIE Widya Wiwaha Vol 4 No 1 (2025): International Seminar Proceedings and Call for Paper STIE Widya Wiwaha
Publisher : Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32477/semnas.v4i1.1320

Abstract

This study examines the effects of Third-Party Funds (DPK), Financing-to-Deposit Ratio (FDR), and Non-Performing Financing (NPF) on working capital financing in Islamic Commercial Banks in Indonesia during 2019–2024. The research employs a quantitative approach using panel data derived from the annual financial reports of Islamic commercial banks. Panel data regression analysis was conducted using a random-effects model (REM), as indicated by the Chow, Hausman, and Lagrange Multiplier tests. The results suggest that Third-Party Funds have a positive and significant effect on working capital financing, whereas FDR and NPF do not have a statistically significant effect. Simultaneously, all independent variables significantly affect working capital financing, with an adjusted R-squared value of 77.1%. These findings suggest that Islamic banks' capacity to expand working capital financing is primarily driven by their effectiveness in mobilizing Third-Party Funds, rather than by liquidity ratios or financing risk indicators alone. Therefore, Islamic banks are encouraged to strengthen digital-based fundraising strategies, enhance depositor retention, and develop stable funding structures to support sustainable growth in working capital financing.
THE EFFECT OF FINANCING TO DEPOSIT RATIO (FDR), OPERATING EXPENSES TO OPERATING INCOME, AND THIRD-PARTY FUNDS ON THE MARKET SHARE OF SHARIA COMMERCIAL BANKS FOR THE PERIOD 2019-2024 Nofitasari, Rika; Khoiriyah, Rahmawati
Prosiding Seminar Nasional dan Call Paper STIE Widya Wiwaha Vol 4 No 1 (2025): International Seminar Proceedings and Call for Paper STIE Widya Wiwaha
Publisher : Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32477/semnas.v4i1.1322

Abstract

The period 2019-2024 represents a critical phase for the development of Islamic banking in Indonesia, as it encompasses the COVID-19 pandemic and the subsequent recovery period, which significantly altered financing behavior, liquidity management, and competitive dynamics within the banking industry. During this period, Islamic banking experienced substantial acceleration in asset growth, financing expansion, and the accumulation of Third-Party Funds. However, despite this progress, the market share of Islamic banks remains considerably smaller than that of conventional banks, raising concerns regarding the effectiveness of internal performance indicators in strengthening industry competitiveness under both crisis and post-crisis conditions. This study examines the influence of the Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (OEOI/BOPO), and Third-Party Funds on the market share of Islamic Commercial Banks in Indonesia during 2019–2024. A quantitative research design was employed using secondary panel data obtained from the annual financial statements of Islamic Commercial Banks and official publications issued by the Otoritas Jasa Keuangan (OJK). Panel data regression was applied as the analytical method, with model selection conducted through the Chow and Hausman Tests, both of which indicate that the Fixed Effects Model (FEM) is the most appropriate estimation approach. The empirical results reveal that FDR has a significant negative effect on market share, indicating that an expansion in financing does not necessarily strengthen market position when it is not supported by adequate asset quality and effective risk governance, particularly during periods of economic instability. In contrast, OEOI/BOPO does not exhibit a significant effect, suggesting that variations in operational efficiency have not yet become a decisive factor in shaping the market share of Islamic Commercial Banks. Meanwhile, Third-Party Funds demonstrate a positive and significant effect, underscoring the central role of fund mobilization capacity in expanding market presence and reinforcing competitive positioning. Overall, the findings suggest that strategies to enhance the market share of Islamic Commercial Banks in the post-pandemic period should prioritize strengthening fund mobilization and improving financing quality, while maintaining prudent liquidity management and consistent operational stability.
Co-Authors Amima, Alda Fildza Cahyani, Adisti Mahdalena Mahdalena Najma Nur Maulida Nofitasari, Rika Resyita, Cherina Pancha Shamsuddin, Muhammad Aiman Hakim Bin Sucik Lestari