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All Journal Jurnal Ilmiah Ekonomi Islam Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Amwaluna Jurnal Ekonomi dan Keuangan Syariah JURNAL LENTERA BISNIS Al-Kharaj: Journal of Islamic Economic and Business Indonesian Journal of Islamic Business and Economics (IJIBE) Jurnal Ekuilnomi Journal of Mathematics Education and Science Jurnal Terapan Manajemen dan Bisnis Velocity: Journal of Sharia Finance and Banking Jurnal Inovasi Pembangunan Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Padma: Jurnal Pengabdian Kepada Masyarakat Neo Journal of economy and social humanities Jurnal Perbankan Syariah Darussalam (JPSDa) KENDALI: Economics and Social Humanities Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Margin : Journal of Islamic Banking Jurnal Ekonomi Bisnis Digital LAN TABUR: JURNAL EKONOMI SYARIAH Indonesia Economic Journal Blockchain, Artificial Intelligence, and Future Research Ribhuna: Jurnal Keuangan dan Perbankan Syariah Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
Iqbal, Muhammad
Universitas Islam Negeri Raden Intan Lampung
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Transportation Other

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Analisis Pengaruh Indeks Persepsi Korupsi, Kemiskinan, Dan Pengangguran Terhadap Pertumbuhan Ekonomi Pada Negara - Negara ASEAN Tahun 2015 – 2023 Salwa Mufidah; Muhammad Iqbal; Taufiqur Rahman
Jurnal Ekuilnomi Vol. 7 No. 2 (2025): Ekuilnomi Vol 7(2), Mei 2025
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekononomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/dyccra80

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh indeks persepsi korupsi, tingkat kemiskinan, dan tingkat pengangguran terhadap pertumbuhan ekonomi di negara-negara ASEAN pada periode 2015-2023. Data yang digunakan dalam penelitian adalah data sekunder yang bersumber dari laporan resmi dan statistik internasional, yang kemudian dianalisis menggunakan metode kuantitatif dengan pendekatan regresi panel. Hasil analisis secara simultan mengungkapkan bahwa keseluruhan variabel memiliki pengaruh yang signifikan terhadap pertumbuhan ekonomi di kawasan ASEAN. Penelitian ini memberikan rekomendasi kepada pembuat kebijakan di negara-negara ASEAN untuk meningkatkan tata kelola pemerintahan, mengurangi kesenjangan ekonomi, dan memprioritaskan pengentasan kemiskinan serta penciptaan lapangan kerja. Dengan demikian, pembangunan ekonomi dapat dicapai secara inklusif dan berkelanjutan
PENGARUH ONLINE CUSTOMER RATING, HARGA DAN KUALITAS PELAYANAN TERHADAP LOYALITAS PELANGGAN TRANSPORTASI ONLINE MAXIM DALAM PERSPEKTIF BISNIS ISLAM (STUDI PADA PENGGUNA MAXIM DI BANDAR LAMPUNG) Dera Yulia Irawan; Muhammad Iqbal; Is Susanto
JURNAL LENTERA BISNIS Vol. 14 No. 2 (2025): JURNAL LENTERA BISNIS, MEI 2025
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v14i2.1555

Abstract

This study aims to determine the influence of online customer ratings, prices and service quality on customer loyalty in Maxim online transportation in Bandar Lampung and to determine the influence of online customer ratings, prices and service quality on customer loyalty in Maxim online transportation from an Islamic business perspective. This study uses quantitative methods and data collection using questionnaires. The population in this study were Maxim users in Bandar Lampung, with a sample of 96 respondents obtained through purposive sampling techniques. Data was processed using SmartPLS version 4. The results of this study are that Online Customer Rating does not have a significant effect on Customer Loyalty. This can be seen from the original sample value, namely the original sample is 0.146, the t-statistic is 1.166 <1.96 and the p-values ​​are 0.123> 0.05. Furthermore, Price has a positive and significant effect on Customer Loyalty. This can be seen from the original sample value, namely the original sample is 0.482, the t-statistic value is 2.816> 1.96 and the p-values ​​are 0.002 <0.05. Furthermore, Service Quality has a positive and significant effect on Customer Loyalty. This can be seen from the original sample value, namely the original sample is 0.300, the t-statistic value is 2.262> 1.96 and the p-values ​​are 0.013 <0.05. In the perspective of Islamic business on Online Customer Rating, Price and Service Quality affect Customer Loyalty. This is explained by the value of the Customer Loyalty determination coefficient from an Islamic business perspective of 0.659 or 65.9% and the remainder, namely 34.1%, is explained by other constructs or influences outside the research conducted.
Pengaruh Kualitas Layanan Elektronik, Ekspektasi Performa dan Persepsi Risiko Terhadap Keputusan Penggunaan Berkelanjutan Aplikasi DANA dalam Perspektif Bisnis Islam: Studi pada Pengguna Aplikasi DANA di Bandar Lampung Baskara Ade Putra; Muhammad Iqbal; Yeni Susanti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i6.8112

Abstract

This study aims to analyze the influence of electronic service quality, performance expectancy, and risk perception on the continued usage intention of the DANA application in Bandar Lampung, as well as to explore these findings from an Islamic business perspective. This research employs a quantitative approach with data collected through questionnaires distributed to 100 active users of the DANA application. The data were analyzed using Structural Equation Modeling (SEM) with the assistance of SmartPLS software. The results show that, partially, electronic service quality and performance expectancy have a positive and significant effect on the continued usage intention of the DANA application. Meanwhile, risk perception has a negative but not significant effect. Simultaneously, all three variables have a significant effect on continued usage intention. From an Islamic business perspective, the DANA application is considered to have made efforts to uphold muamalah principles such as justice, honesty, trustworthiness, and protection of public interest. This is reflected in the transparency of services, user data security, and accessibility for various user groups, particularly micro, small, and medium enterprises. Therefore, the DANA application can be deemed in line with Sharia values as long as it is managed responsibly and ethically.
Pemberdayaan Perempuan Petani dalam Menunjang Ekonomi Keluarga Hani Giantary Putri; Muhammad Iqbal; Sri Utami; Abdul Syukur; Sonhaji; Rika Damayanti
PADMA Vol 5 No 2 (2025): JURNAL PENGABDIAN KEPADA MASYARAKAT (PADMA)
Publisher : LPPM Politeknik Piksi Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56689/padma.v5i2.2321

Abstract

Pemberdayaan perempuan petani merupakan aspek penting dalam meningkatkan kesejahteraan keluarga dan memperkuat struktur ekonomi pedesaan. Perempuan memiliki peran strategis dalam berbagai aktivitas pertanian, mulai dari pengolahan lahan, produksi, hingga pemasaran hasil tani. Namun, peran tersebut sering kurang diakui dan terbatas oleh minimnya akses terhadap modal, teknologi, informasi, serta keputusan dalam rumah tangga maupun kelompok tani. Penelitian ini bertujuan untuk menganalisis bentuk pemberdayaan yang diterima perempuan petani, kontribusinya terhadap ekonomi keluarga, serta faktor-faktor yang mendukung maupun menghambat proses pemberdayaan. Hasil analisis menunjukkan bahwa pelatihan keterampilan, akses permodalan, penguatan kelembagaan, dan peningkatan literasi gender terbukti mampu meningkatkan produktivitas dan pendapatan keluarga. Selain itu, pemberdayaan perempuan petani berdampak positif dalam menciptakan kemandirian ekonomi, peningkatan kualitas hidup, serta keseimbangan peran gender dalam masyarakat. Dengan demikian, pemberdayaan perempuan petani perlu terus diperkuat melalui kebijakan dan program yang inklusif, berkelanjutan, dan berbasis kebutuhan komunitas
Challenges In Implementing Islamic Financial Institution Pension Funds In Indonesia Laili Fathul Hidayah; Ummi Kaltsum Karunianing Utami; Fatih Fuadi; Muhammad Iqbal
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 1 (2026): Januari 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i1.4608

Abstract

Islamic Financial Institution Pension Funds (DPLK Syariah) represent a long-term financial instrument aimed at ensuring retirees’ economic security while adhering to Islamic principles. Despite the rapid growth of the Islamic finance industry in Indonesia, the development of Islamic pension funds remains relatively limited compared to conventional pension schemes. This article seeks to systematically examine the key challenges faced in the implementation of DPLK Syariah in Indonesia and to formulate strategic efforts to strengthen its development. Employing a qualitative approach, this study adopts a literature review method by analyzing scholarly articles, regulatory frameworks, policy reports, and relevant academic publications published between 2022 and 2025. The findings reveal that the implementation of DPLK Syariah is constrained by multidimensional challenges, including regulatory disharmony, limited availability of sharia-compliant investment instruments, low public literacy and participation, as well as institutional and human resource capacity weaknesses. Furthermore, the dominance of conventional pension funds continues to restrict market penetration for Islamic pension schemes. To address these challenges, this study proposes several strategic measures, such as enhancing Islamic financial literacy, promoting product and technological innovation, expanding sharia-based investment instruments, strengthening governance and human capital, and improving regulatory harmonization. This study is expected to contribute both conceptually and practically to policymakers, industry practitioners, and academics in fostering a more inclusive, competitive, and sustainable Islamic pension fund ecosystem in Indonesia.
Analisis Tantangan dan Peluang Digitalisasi Instrumen Pasar Uang Terhadap Efektivitas Transmisi Kebijakan Moneter Jalu Raden Al-Awwali; Muhammad Iqbal; Dwi Dzikri Al Faris Ascha; Muhammad Yusuf Bahtiar
Indonesia Economic Journal Vol. 2 No. 1 (2026): JANUARI-JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/9hyceg70

Abstract

The money market plays a very crucial role as the primary channel in the monetary policy transmission system to achieve macroeconomic stability. This study aims to analyze in depth the various challenges and opportunities arising from the digitalization process of money market instruments on the effectiveness of monetary policy transmission in Indonesia. By applying a qualitative descriptive method based on literature study. research data were collected from various scientific literatures, monetary authority reports, and regulations regarding financial technology. The research results show that the digitalization of money market instruments offers great opportunities including increased real-time market transparency, transaction cost efficiency, and acceleration of the interest rate pass-through mechanism to the real sector. However, this digital transformation also brings significant challenges including cybersecurity risks, potential for high liquidity volatility, and the urgency of more responsive.  
Pengaruh Sharia Governance, Good Corporate Governance, Dan Dewan Pengawas Syariah Terhadap Pencegahan Fraud Pada Bank Umum Syariah Di Indonesia Periode 2019-2024 Iviola Sabila Avandi; Anggun Okta Fitri; Muhammad Iqbal
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 2 (2026): Juli 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i2.4949

Abstract

This study aims to analyze the influence of Sharia Governance, Good Corporate Governance (GCG), and the Sharia Supervisory Board (DPS) on fraud prevention in Sharia Commercial Banks in Indonesia during the 2019–2024 period. Even though governance implementation in Islamic banking continues to be strengthened, fraud cases still occur, so the effectiveness of Sharia supervisory mechanisms needs further examination. Moreover, previous research results still show inconsistent findings and generally have not tested these three variables simultaneously in Sharia Commercial Banks. This study uses a quantitative approach with a causal associative research type and utilizes secondary data sourced from annual reports, Good Corporate Governance reports, Sharia Governance reports, and Sharia Supervisory Board reports. The sample is determined using a purposive sampling technique, resulting in 12 Sharia Commercial Banks with 72 observations over six years. The analysis was conducted using panel data regression with a Fixed Effect Model (FEM) approach. The study results show that Sharia Governance has a positive and significant effect on fraud prevention. Meanwhile, Good Corporate Governance and the Sharia Supervisory Board show a positive influence, but they do not have a significant partial effect yet. Simultaneously, all three variables have a positive and significant effect on fraud prevention. This study contributes to enriching the literature on the effectiveness of Sharia governance by testing the integrated mechanism of three oversight systems in Sharia Commercial Banks in Indonesia. The findings suggest the importance of strengthening Sharia-based and spiritual governance oversight systems by the Financial Services Authority (OJK) and Sharia Commercial Banks to enhance fraud prevention effectiveness and maintain public trust.
ANALISIS PERBANDINGAN KINERJA KEUANGAN, LIKUIDITAS, DAN RISIKO PADA BPRS DAN BPR DI INDONESIA Jhody Wiraputra; Yulia Andriani; Fatih Fuadi; Muhammad Iqbal
MARGIN: Journal of Islamic Banking Vol 6 No 1 (2026): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/margin.v6i1.3788

Abstract

Penelitian komparatif kuantitatif ini bertujuan menganalisis dan membandingkan kinerja keuangan, likuiditas bank, dan risiko pembiayaan antara Bank Pembiayaan Rakyat Syariah (BPRS) dan Bank Perkreditan Rakyat (BPR) di Indonesia selama periode 2020-2024. Data sekunder berupa rasio-rasio keuangan dari seluruh BPRS dan BPR yang terdaftar di OJK  dianalisis menggunakan Uji Mann-Whitney setelah data terbukti tidak berdistribusi normal. Hasil penelitian menunjukkan adanya perbedaan yang signifikan secara statistik antara BPRS dan BPR untuk semua variabel yang diukur, yaitu Kinerja Keuangan, Likuiditas dan Risiko Pembiayaan. Perbedaan signifikan ini menegaskan bahwa filosofi operasional dan kerangka regulasi menciptakan jalur kinerja dan profil risiko yang tidak setara, sehingga disarankan agar regulator seperti OJK mengembangkan kebijakan pengawasan dan mitigasi risiko yang disesuaikan secara spesifik untuk masing-masing model operasional.
Perceptions and Meaning-Making of ‘Shariah Security’ Among Muslim Digital Natives in the Use of Blockchain-Based Financial Platforms Muhammad Iqbal; Izra Berakon
Blockchain, Artificial Intelligence, and Future Research Vol. 1 No. 2 (2025): November 2025
Publisher : WISE Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70211/bafr.v1i2.343

Abstract

This study explores how Muslim digital natives perceive and construct the meaning of Shariah security in their engagement with blockchain-based financial platforms. Using an Interpretative Phenomenological Analysis (IPA), data were gathered through in-depth interviews and digital artifacts from 20 participants actively using decentralized financial applications. Findings reveal that Shariah security is understood as a multidimensional construct integrating spiritual–moral assurance, ethical–procedural integrity, and technical–operational protection. Trust in blockchain emerged as a negotiated outcome shaped by religious identity, technological literacy, and community-mediated discourse. Participants’ engagement with blockchain was closely tied to processes of techno-religious identity construction, while social media functioned as a primary epistemic environment shaping perceptions of Shariah compliance. Emotional responses, such as reassurance, anxiety, and empowerment, further influenced security judgments. The study contributes a user-centered framework for understanding Shariah-oriented meaning-making in digital finance and offers implications for designing culturally aligned fintech ecosystems.
PENGARUH CAPITAL ADEQUACY RATIO, NON-PERFORMING FINANCING, DAN FINANCING TO DEPOSIT RATIO TERHADAP VULNERABILITY BANK UMUM SYARIAH DI INDONESIA TAHUN 2020–2024 Rafiustha Adi Kusuma; Muhammad Iqbal; Andika Saputra
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 5 No. 1 (2026): January 2026
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/by8mmg86

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR) on the vulnerability of Sharia commercial banks in Indonesia for the period 2020-2024. The main problem studied is the extent to which internal banking factors, especially capital, financing risk, and liquidity, affect the level of vulnerability (vulnerability) of the Islamic banking system as measured using the Z-score approach. This research occupies an important position in filling the gap of empirical studies on the financial stability of Islamic banking through a quantitative approach based on pooled time series (Pooled OLS) data using EViews 13 software. The method used is a quantitative approach with regression analysis techniques pooled time series data (pooled OLS) using software EViews 13. The results showed that CAR and NPF had a positive but not significant effect on vulnerability, while FDR had a negative and significant effect. Simultaneously, the three variables significantly affect the vulnerability of Islamic banks. This result confirms that the stability of Islamic banking is influenced by a combination of capital strength, financing quality, and intermediation efficiency in maintaining financial resilience in accordance with Islamic economic principles.  Keywords : Capital Adequacy Ratio, Non-Performing Financing, Financing to Deposit Ratio, Vulnerability, Islamic Banking
Co-Authors Abdul Syukur Ade Nur Istiani Ahmad Habibi Andika Saputra Anggun Okta Fitri Asri Andriyani Ayu Gusmawanti Azka Laila Azkia Bambang Sri Anggoro Baskara Ade Putra Bunga Eriyana Dedi Satriawan Dela Sisilia Dera Yulia Irawan Dwi Dzikri Al Faris Ascha Faisal aristama Fatih Fuadi Fithriah Wardi Ghina Ulfah Saefurrohman Hadri Kusuma Hani Giantary Putri Hanif Hanif Ianatus Saidah Irwandani Irwandani Is Susanto Isti Safira Iviola Sabila Avandi Izra Berakon Jalu Raden Al-Awwali Jhody Wiraputra Laili Fathul Hidayah M. Yusuf Bahtiar Moh Bahrudin Muhammad Iqbal Fasa Muhammad Tanziil Suherman Nur Rohmah Nur Wahyu Ningsih Ogi Marsenal Ipando Rafiustha Adi Kusuma Reska Maulida Rika Damayanti Rosida Rakhmawati Salwa Mufidah Sonhaji Sri Latifah Sri Utami Sunaryati Sunaryati Supaijo, Supaijo Taufiqur Rahman Ummi Kaltsum Karunianing Utami Wahidullah Wahidullah Yeni Susanti Yulia Andriani