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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Islam Journal of Research in Business, Economics, and Education Muhasabatuna: Jurnal Akuntansi Syariah Jurnal Iqtisaduna Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Islamic Economics and Finance Journal Abdi Makarti Jurnal Ekonomi Islam Prosiding Seminar Nasional dan Call Paper STIE Widya Wiwaha Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA) JUEBIR: Journal of Economics and Business Research BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Rahmawati Khoiriyah
Universitas Islam Negeri Raden Mas Said Surakarta
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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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.
PENGUATAN KETAHANAN EKONOMI PESANTREN MELALUI PEMBERDAYAAN KEWIRAUSAHAAN BERBASIS HIDROPONIK: PENDEKATAN PENGEMBANGAN KOMUNITAS BERBASIS ASET DI KLATEN, INDONESIA Nurohman, Yulfan Arif; Khoiriyah, Rahmawati; Hasyim, Fuad; Ahzar, Fahri Ali
ABDI MAKARTI Vol 5, No 1 (2026): ABDI MAKARTI
Publisher : Sekolah Tinggi Ilmu Ekonomi AMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/abdimakarti.v5i1.962

Abstract

Indonesia is the country with the largest Muslim population globally and has over 40,000 Islamic boarding schools (pesantren). However, most of these schools face challenges in financial management and economic sustainability. This study, however, examines the strategic role of Islamic boarding schools in providing Islamic education to the community. This study conducted an economic empowerment program for Islamic boarding schools through hydroponic entrepreneurship training to strengthen their economic resilience. The program was implemented at Islamic boarding schools in Klaten using an Asset-Based Community Development (ABCD) approach. This approach emphasizes the importance of local assets and active participant involvement. The program consisted of four stages: needs assessment, participatory planning, entrepreneurship training, mentoring, and outcome evaluation. These activities were supported by observation, interviews, and participant evaluation methods to adjust the community service program. Findings indicate an increase in students' entrepreneurial knowledge, technical skills, and economic awareness after participating in the program. The learning provided hands-on experience in hydroponic practices, increasing engagement and facilitating the development of entrepreneurial competencies. Mentoring ensured the program met its targets and determined its sustainability. The results of this study highlight that integrating entrepreneurship education with locally adaptable practical innovations can foster sustainable economic models in religious educational institutions, positioning Islamic boarding schools as agents of inclusive economic development.
Pengaruh Service Excellence Terhadap Kepuasan Nasabah Bank Syariah Dengan Harapan Nasabah Sebagai Variabel Moderasi Rahmatul Barokah, Mufita; Khoiriyah, Rahmawati
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.10807

Abstract

The development of Islamic banking in the Greater Solo area reflects positive dynamics, but changes in customer behavior and the need for digitalization emphasize the need to improve service quality. This study aims to (1) Empirically test the effect of Service Excellence on Customer Satisfaction (2) Analyze the relationship between Customer Expectations and Customer Satisfaction (3) Test the moderating role of Customer Expectations in assessing the extent to which these variables can strengthen or weaken the relationship between Service Excellence and Customer Satisfaction. The research approach applied a quantitative method with a causality design. Primary data was obtained through an online questionnaire administered to 200 active Islamic bank customers in Greater Solo who had interacted with Customer Service. The analysis was conducted using PLS-SEM. The findings revealed that Service Excellence had a positive effect on Customer Satisfaction, with the attitude dimension being the strongest indicator. Conversely, Customer Expectations did not show a significant relationship with Customer Satisfaction and did not act as a moderator in the relationship between Service Excellence and Customer Satisfaction. This conclusion reinforces that customer satisfaction is determined more by actual service experience than by initial expectations. This study suggests that Islamic banks should focus on improving the attitude and responsiveness dimensions of customer service rather than simply manipulating customer expectations through marketing communications.
Co-Authors Amima, Alda Fildza Budy Prihastoro Cahyani, Adisti Fadhila Nurilaizzati Fahri Ali Ahzar Hasyim, Fuad Ichsan Wahab Wirayudha Intan Amalia Qur'anna Mahdalena Mahdalena Mufidha Riska Nadiyah Yusriyyah Najma Nur Maulida Nofitasari, Rika Rahmatul Barokah, Mufita Resyita, Cherina Pancha Shamsuddin, Muhammad Aiman Hakim Bin Sucik Lestari Yulfan Arif Nurohman