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All Journal Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah 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 Kajian Ekonomi dan Perbankan Syariah LAN TABUR: JURNAL EKONOMI SYARIAH
Iqbal, Muhammad
Universitas Islam Negeri Raden Intan Lampung
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The Effect Of Islamic Corporate Governance, Current Ratio, Total Asset Turnover And Intellectual Capital On Profitability (Study on Sharia Commercial Banks registered with the Financial Services Authority (OJK) for the 2018-2022 period) Faisal aristama; Hanif Hanif; Muhammad Iqbal; Fithriah Wardi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 1 (2024): All articles in this issue include authors from 5 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v6i1.4973

Abstract

Profitability is a measurement of the financial performance of Islamic banks, which is the company's ability which is shown through the management of the use of total assets related to the company's operational activities. The better the management of total assets, the higher the profit obtained. This study aims to analyze the effect of Islamic corporate governance, current ratio, total asset turnover and intellectual capital on profitability. The companies studied are Sharia Commercial Banks as many as 10 companies for five years with the period 2018-2022.The method used in this study is the multiple linear regression analysis method with the help of the SPSS 23 program. Data collection techniques are carried out with documentation techniques with secondary types of data, namely in the form of financial statements of Islamic commercial bank companies registered with the Financial Services Authority for the 2018-2022 period.The results in this study show that Islamic corporate governance has a positive effect on profitability, current ratio has a positive effect on profitability, total asset turnover has a positive effect on profitability and intellectual capital has a positive effect on profitability
Pengaruh Asean Economic Community (AEC) Terhadap Kinerja Perbankan Syariah Di Indonesia Muhammad Iqbal
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 10, No 2 (2018)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v10i2.3361

Abstract

AbstrakPenelitian ini bertujuan untuk membandingkan kinerja perbankan Syari’ah di Indonesia sebelum dan sesudah diberlakukan ASEAN Economic Community (AEC) dengan menggunakan rasio keuangan. Berdasarkan kriteria sampel yang ditentukan, terpilih sampel yang representatif sebanyak sepuluh bank umum syariah. Penelitian ini merupakan penelitian deskriptif dengan menggunakan data sekunder berupa rasio-rasio keuangan bank yang diperoleh dari Bank Indonesia dan laporan keuangan bank-bank yang menjadi sampel penelitian. Alat analisis yang digunakan untuk membuktikan hipotesis dalam penelitian ini adalah uji paired samples t-test. Variabel penelitian ini meliputi CAR, ROA, ROE, FDR dan NPF. Hasil penelitian menunjukkan hanya ROE yang menunjukkan adanya perbedaan sebelum dan sesudah diberlakukan ASEAN Economic Community (AEC). Sedangkan variabel CAR, NPF, ROA dan FDR tidak terdapat perbedaan. . Kata Kunci:  AEC, Kinerja, Perbankan Syariah
The Nexus Between FDR, NPF, BOPO Toward Profitability Of Indonesian Islamic Bank Ayu Gusmawanti; Supaijo Supaijo; Muhammad Iqbal; Muhammad Iqbal Fasa
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 2 (2020): .
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v12i2.7155

Abstract

AbstractBased on Sharia Commercial Bank Statistics Data, the value of profitability is measured by Return On Assets that have decreased from 2013-2017. This happens because the NPF ratio has increased from year to year (if there is much problematic financing, the cost of providing a loss will be high, which causes the BOPO ratio to increase). So that Sharia Commercial Banks must reduce the FDR ratio, with the reduction in the distribution of funds to customers making the Sharia Commercial Banks experience a reduction in income to be received. That way can cause the level of profitability to be obtained decreases. This study aims to determine the effect of the ratio of FDR, NPF, BOPO to the profitability of Islamic Commercial Banks in Indonesia. This type of research is descriptive quantitative with panel data regression analysis methods and hypothesis testing using (F test, t-test, R2), and data processing using Eviews 9. The test results obtained together with variables FDR, NPF, BOPO significantly influence towards ROA. Partially, FDR has no significant negative effect on ROA. NPF variable is not a significant positive effect on ROA. BOPO variable has a negative and significant effect on ROA. R2 test of 82.73% while the remaining 17.27% is influenced by other factors outside the study. BOPO variable has a negative and significant effect on ROA. R2 test of 82.73% while the remaining 17.27% is influenced by other factors outside the study. BOPO variable has a negative and significant effect on ROA. R2 test of 82.73% while the remaining 17.27% is influenced by other factors outside the study.Keywords: FDR, NPF, BOPO and ROAAbstrakBerdasarkan Data Statistik Bank Umum Syariah nilai profitabilitas yang di ukur dengan Return On Asset mengalami penurunan dari tahun 2013-2017. Hal tersebut terjadi karena rasio NPF mengalami peningkatan dari tahun ke tahun (apabila banyak nya pembiayaan bermasalah maka biaya pencadangan atas kerugian akan tinggi yang mengakibatkan rasio BOPO meningkat). Sehingga Bank Umum Syariah harus mengurangi rasio FDR, dengan berkurangnya penyaluran dana kepada nasabah membuat Bank Umum Syariah mengalami pengurangan atas pendapatan yang akan diterima. Dengan begitu dapat menyebabkan tingkat profitabilitas yang akan di dapat menurun. Penelitian ini bertujuan untuk mengetahui pengaruh rasio FDR, NPF, BOPO terhadap profitabilitas Bank Umum Syariah di Indonesia. Jenis penelitian ini adalah deskriptif kuantitatif dengan metode analisis regresi data panel dan uji hipotesis menggunakan (uji F, uji t, R2), serta pengolahan data nya menggunakan aplikasi Eviews9. Hasil pengujian di peroleh secara bersama-sama variabel FDR, NPF, BOPO berpengaruh secara signifikan terhadap ROA. Secara parsial, FDR berpengaruh negative tidak signifikan terhadap ROA. Variabel NPF berpengaruh positif tidak signifikan terhadap ROA.Variabel BOPO berpengaruh negative dan signifikan terhadap ROA. Uji R2 sebesar 82,73% sedangkan sisanya sebesar 17,27% dipengaruhi oleh faktor-faktor lain di luar penelitian.Kata Kunci: FDR, NPF, BOPO, dan ROA
ANALISIS PENGARUH TRANSFER PEMERINTAH PUSAT TERHADAP PERILAKU FISKAL PEMERINTAH DAERAH DI PULAU SUMATERA PERIODE 2014-2023 DALAM PERSPEKTIF EKONOMI ISLAM Bunga Eriyana; Muhammad Iqbal; Ghina Ulfah Saefurrohman
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 6 No. 2 (2025): Maret
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lantabur.2025.6.2.247-266

Abstract

Dana perimbangan adalah dana yang bersumber dari pendapatan APBN yang dialokasikan kepada setiap daerah guna mendanai kebutuhan daerahnya dalam rangka terlaksana desentralisasi fiskal. Penelitian ini bertujuan untuk menganalisis pengaruh transfer pemerintah pusat terhadap perilaku fiskal pemerintah daerah dipulau sumatera dalam perspektif ekonomi islam. Periode penelitian terdiri dari 10 tahun, mulai tahun 2014 hingga 2023. Populasi dan sampel penelitian ini terdiri dari sembilan provinsi di Pulau Sumatera, yaitu Lampung, Sumatera Selatan, Bengkulu, Bangka Belitung, Jambi, Sumatera Utara, Sumatera Barat, Aceh, dan Riau. Data yang digunakan bersumber dari Badan Pusat Statistic (BPS) dan dianalisis menggunakan regresi data panel. Hasil penelitian menunjukkan bahwa DBH, DAU, DAK secara simultan berpengaruh signifikan terhadap perilaku fiskal pemerintah daerah dipulau sumatera.
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.
Co-Authors Ade Nur Istiani Ahmad Habibi Ayu Gusmawanti Bambang Sri Anggoro Bunga Eriyana Dedi Satriawan Dera Yulia Irawan Faisal aristama Fithriah Wardi Ghina Ulfah Saefurrohman Hadri Kusuma Hanif Hanif Irwandani Irwandani Is Susanto Moh Bahrudin Muhammad Iqbal Fasa Muhammad Tanziil Suherman Nur Wahyu Ningsih Rosida Rakhmawati Salwa Mufidah Sri Latifah Sunaryati Sunaryati Supaijo, Supaijo Taufiqur Rahman