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All Journal Jurnal Online Mahasiswa (JOM) Bidang Keguruan dan Ilmu Pendidikan Jurnal Ilmiah Mahasiswa FEB Jurnal Ekonomi dan Bisnis Islam PROCEEDING ICTESS (Internasional Conference on Technology, Education and Social Sciences) Pendas : Jurnah Ilmiah Pendidikan Dasar Transformatif Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Performance Adzkiya : Jurnal Hukum dan Ekonomi Syariah KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH Istinbath : Jurnal Hukum BioEksakta : Jurnal Ilmiah Biologi Unsoed Jurnal Studi Islam JOURNAL SCIENTIFIC OF MANDALIKA (JSM) Jurnal Investasi Islam Jurnal Bisnis dan Manajemen (JBM) International Journal of Educational Review, Law And Social Sciences (IJERLAS) Al-Ihtirafiah EKONOMIKA45 Stigma : Jurnal Matematika dan Ilmu Pengetahuan Alam Unipa Prosiding Seminar Nasional Pengabdian Kepada Masyarakat At-Thullab : Jurnal Mahasiswa Studi Islam Multazam : Jurnal Manajemen Haji dan Umrah Jurnal Pengabdian Masyarakat dan Riset Pendidikan Jurnal Media Akademik (JMA) Hatta: Jurnal Pendidikan Ekonomi dan Ilmu Ekonomi IEB: Journal of Islamic Economics and Business Moral : Jurnal Kajian Pendidikan Islam Tadhkirah: Jurnal Terapan Hukum Islam dan Kajian Filsafat Syariah International Conference on Digital Advanced Tourism, Management, and Technology Journal of Business, Social, Management, and Technology Jurnal Publikasi Ekonomi dan Akuntansi
Siti Zulaikha
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Religion Agriculture, Biological Sciences & Forestry Humanities Astronomy Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Veterinary Other

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DETERMINANTS OF SOLVENCY IN SHARIA LIFE INSURANCE: THE ROLE OF LIQUIDITY, INVESTMENT, CLAIMS EXPENSES, AND LEVERAGE Salwa Tasya Aqilah; Siti Zulaikha; Alhabshi, Syed Othman
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 2 (2025): JULY - DECEMBER 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i2.72299

Abstract

This study aims to analyse the effects of liquidity, investment returns, claim expenses, and leverage on the solvency of Sharia life insurance companies during the 2019–2023 period, both partially and simultaneously. Risk-Based Capital (RBC) is used as an indicator of the financial health of insurance companies, while liquidity, investment returns, claim expenses, and leverage serve as the independent variables tested. This study adopts a quantitative approach using panel data regression with the Random Effects Model (REM) to examine the relationships among variables. The results show that, partially, liquidity has a significant positive effect on solvency, while leverage has a significant negative effect. Meanwhile, investment returns show an insignificant negative effect, and claim expenses show an insignificant positive effect on the solvency of Sharia life insurance companies. Simultaneously, liquidity, investment returns, claim expenses, and leverage have a significant effect on solvency. The findings imply that both Sharia life insurers and regulators need to strengthen risk-based supervision, particularly in managing current assets and controlling debt usage, to ensure long-term financial stability.
Evaluasi Strategi Pengelolaan untuk Menyikapi Peluang dan Tantangan dalam Menghadapi Era Modern yang Terus Berkembang Azzahra Meytriana; Dewi Jannati Asih Putri; Mustika Wulandari; Siti Zulaikha
Jurnal Publikasi Ekonomi dan Akuntansi Vol. 5 No. 3 (2025): September : Jurnal Publikasi Ekonomi dan Akuntansi (JUPEA)
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jupea.v5i3.5083

Abstract

Zakat is a key pillar of the Islamic economic and social system, serving not only as an obligatory act of worship but also as a vital instrument for economic equality and improving the welfare of the people. In Indonesia, zakat management is regulated by various laws and regulations, with official institutions such as the National Zakat Agency (BAZNAS) and the Zakat Collection Institutions (LAZ) responsible for collecting and distributing zakat. The rapidly developing digital era has opened up significant opportunities for improving zakat management, particularly in terms of efficiency, transparency, and ease of access through online platforms. Utilizing this technology can facilitate the community in fulfilling their zakat obligations and expedite the distribution process to those entitled to it. However, although the national zakat potential is estimated to reach trillions of rupiah, the realization of zakat collection remains far from the expected figure. This gap indicates major challenges in several aspects, such as low zakat literacy in the community, a lack of transparency in zakat management, and issues related to efficiency and accountability in the management of zakat funds. Therefore, this study aims to delve deeper into the existing obstacles and opportunities that can be exploited in zakat management in the digital era. Using a qualitative research approach with a literature review method, this study seeks to identify factors influencing zakat management, including regulatory, institutional, and public perception aspects. This study also formulates innovative and adaptive strategies that can be implemented to optimize zakat management. It is hoped that the results of this study will contribute to creating a more effective, efficient, and transparent zakat management system, thereby playing a greater role in supporting the economic development of the community.
Co-Authors A'yun, Zulia Qurrota Abrar Adzkia Ahmad Achmad Sudiro Agus Hermanto Ahmad Tarhib Akhmad Kholil Akhmad Kusuma Wardhana Akrom, Akrom Alhabshi, Syed Othman Ambrosius Tode Peya Nia Do Amin Nurokhman Anak Agung Gede Sugianthara Anas Malik Anisah Fardila Annissa Fitriani Rizka Aprizal, Yusuf Zaini Arif Yachya Aurelia Cahya Aini Ayu, Ayu Azzahra Meytriana Bella Permata Sari Benediktus Rahawarin Chanifudin Chanifudin Dea Marsa Amelia Desi Rahmawati Devika Putriani Dewi Jannati Asih Putri Diantha Maryam Andyni Didin Sirojudin Dimas Kurnia Robby Dini Afriansyah Dr. Matin Enny Puji Enny Puji Lestari Farhan Trisna Maulana Gelar Gelora Mestika Hamidatul Khalifah Hariyani Prasetyaningtyas Ika Kurnia Sofiani Imam Wahyudi Indrawan, Imam Wahyudi Imelda Deva Kirana Intan Aulia Denada Izza Mutia Raihan Jamhari Jamhari Jumiani Sarianti Kamarodin Abas Abdulkarim Keysya Muyasaroh Khasanah Khusnul Abdul Qodar Romadhoni Laila Sari Ramadhan Lena Rusmiyati Linda Ika Mayasari, Linda Ika Lu'luil Fajriyatil Aliyah Maya Diaz Restarie Mentari Putri Wulan Mifta Ammaria Wulandari Miftah Amaria Wulandari Muh. Takdir Muh.Takdir Muhamad Fadholi Muhammad Abdullah Sidiq Muhammad Fadholi Muhammad Takdir Mustika Wulandari Nabilah Khonsa Nanda Sugesti, Vina Nordianus Wilfridus Nuraini Nurhattati Nursyavika Auni Nurul Aulia Sari Nyimas Lidya Putri Pertiwi,M.Sy Puja Audinia Artika Putri Novira Ariyanti Qodriyana Kusumastiti Radjendra, Ryan Rahmad Riski Wahyudi Rahmat Rizki Basuki Raja Selvia Fazira Rama Harfi Ferdinan Rayma S. Saher Ridwan Abdullah Rina Selva Johan Rosnelly Barus Rugaiyah SAIFUL ANWAR Salamun Hadi Subroto Salsabilla Aura Balqis Salwa Tasya Aqilah Seftira Margi Saesaputri Sep Arinda Risa Kamal Sherina Silva Silpa Siroj, Muhammad Sirojudin Sidiq Siti Khotimah Siti Nur Farida SITI NURJANAH Siti Rochanah Suarman ' Sugih Arto SULASTRI Suliyanto Suliyanto Suprayitno, Aryadimas Suryadi Suryadi Susanto, Arva Athallah Syafrizal Helmi Situmorang Syaiful Anwar Syarifah Syifa Zakia Rahma Azizah Titania Susandri Tutut Handayani Unifah Rosyidi Weni Novandari Widia Kurniasih Wihda Yanuar Firdaus Winda Dewi Listyasari Yosi Imas Kristiyana Zaky Nuron Rizky Zaqi Rohman Zumaroh Zumaroh