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All Journal Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Journal of Islamic Economic and Business Research Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah FENOMENA: Journal of Social Science Journal of Islamic Economic Laws
Septiana, Nurul Izzati
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Public Sentiment on Sustainable Finance and Implications for Islamic Banks Septiana, Nurul Izzati; Swandaru, Randi; Hudaefi, Fahmi Ali
Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Vol. 11 No. 2 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jreksa.v11i2.10441

Abstract

This paper attempts to identify the challenges and strategies for implementing sustainable finance in Islamic banking and to analyze public opinion on sustainable finance on the Twitter platform using sentiment analysis. The research methods used in this study are the Analytical Network Process (ANP) method to answer the first research objective and the sentiment analysis method, which can assess public opinion based on emotions and sentiments in a particular text to answer the second research objective. The results of the study identified several challenges and priority strategies for implementing sustainable finance in Islamic banks. They identified the sentiment of words that can be used to design communication strategies to create a positive image for the company because it is associated with sustainable finance. This study may contribute to enhancing the implementation of sustainable finance in Islamic banks and better communicating with the public on this matter.
The Effort of The Government and Its Impact on Maintaining the Stability of Cooking Oil Prices Efendi, Mohamad Nur; Hamzah, Shidqi Saifuddin; Khomairoh, Selvina; Septiana, Nurul Izzati
Fenomena Vol 23 No 1 (2024): FENOMENA: Journal of the Social Sciences
Publisher : LP2M UIN KH.Achmad Siddiq Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/fenomena.v23i1.160

Abstract

The surge in global oil prices and the consequent scarcity of oil have significantly impacted cooking oil prices in Indonesia, making it a critical issue for analysis. Previous studies have often overlooked governmental interventions' immediate and long-term effects on cooking oil prices, leaving a gap in understanding their comprehensive impact on traditional market economies. This article evaluates the Indonesian government's policy responses, including oil subsidies and export bans, to mitigate cooking oil price hikes and their effects on traditional markets. Field research was conducted at the Srijaya Sayur Traditional Market in Madiun City using qualitative methods. While the study provides valuable insights, it is important to acknowledge its limitations, such as the focus on a single market and the potential bias in the data gathered through interviews. The analysis revealed that the government's abrupt intervention caused market distortions, such as distribution issues and price inconsistencies. However, these issues diminished over time as oil stock levels increased and enforcement actions against illegal activities were strengthened. This study contributes new insights into the effectiveness of policy interventions and highlights the alignment with Ibn Taymiyah's principles of distribution justice. In conclusion, while the policies initially disrupted market stability, they ultimately stabilized prices and aligned with consumer purchasing power.
Mengestimasi Expected Default Probability dan Credit Risk Spread Menggunakan Model KMV Merton: Studi Kasus Bank Islam Malaysia Berhad Septiana, Nurul Izzati; Katri, Fatin Salwa Binti Haji; Ideris, Azlina Binti; Noryatim, Nadiana
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 9 No 1 (2025)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v9i1.6373

Abstract

The objective of the paper is to estimate the expected default probability and credit risk spread of Bank Islam Malaysia using the KMV Merton Model and analyse the strengths of the KMV model. The data used in this research are short term and long-term liabilities data of Bank Islam Malaysia Berhad that we obtained from the financial statements, stock prices and number of stocks traded of BIMB and Islamic Bank-relevant interest rates data that we obtained from the Overnight Policy Rate Decision (OPR) by Bank Negara Malaysia. The data is then prepared and interpolated to match weekly period before applying the KMV Model using Microsoft Excel to calculate the default probability and credit risk spread of BIMB. The result shows that the Probability of Default for BIMB is nearly 0.0001 for the first 3 years of its debt maturity period and nearly 0.0007 and 0.002 for the maturity period of 4 and 5 years respectively. Credit risk spread for BIMB is nearly null for the first 2 years maturity period then gradually increases each year to 0.01, 0.05 and 0.14. BIMB’s distance to default ranges between 9.17-10.01. The research indicates that the BIMB’s calculated PD is reliable and that the KMV Merton Model provides high accuracy and reliability of credit risk measurements. The KMV Model can be applied to different types of companies including Islamic Bank.
Integrating Sharia Principles in Infrastructure Finance: A Government-Business Partnership Scheme for Sustainable Development Nasrulloh; Widodo, Sugeng; Nur Efendi, Mohamad; Septiana, Nurul Izzati
Journal of Islamic Economic and Business Research Vol. 5 No. 1: June 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i1.387

Abstract

This research explores the financing of infrastructure through the Public-Private Partnership (PPP) scheme, referred to as Kerjasama Pemerintah dan Badan Usaha (KPBU) in Indonesia, and Sharia finance. With the increased global need for sustainable infrastructure, the PPP scheme presents an opportunity to accelerate development in a Sharia-compliant way. This compliance includes the forbidding of lending with interest (riba), uncertainty (gharar), and gamble-like activities (maisir). This study employs a literature review methodology focusing on publications dated 2018 and 2024 and synthesizes existing literature on the Sharia-based PPP models. Significant findings indicate that the PPP schemes combined with the Istisna modality make it possible to comply with the basic Sharia legal requirements, enabling progressive payments to be made in accordance with project milestones. A repayment structure that is paid in stages rids people of the burden of usury and enhances transparency while reducing financial risks. Insight from primary data reveals that through effective regulation and stakeholder participation, along with adequate supervision, transparency and efficiency can be greatly enhanced. The added contribution of this research is that it develops a practical operational framework for the Sharia PPPs, which can be utilized in almost all infrastructure developmental activities. These frameworks propose measurable efficiency and accountability while complying with Islamic financial requirements. The findings present sharia infrastructure financing that is equitable, effective, and sustainable, providing fundamental policy insights to regulators, sharia practitioners, and other stakeholders.
Determinant of Job Satisfaction and Job Performance among Staff of An Islamic Banks Wulandari, Elisa; Adiba, Elfira Maya; Septiana, Nurul Izzati
Journal of Islamic Economic Laws Vol 6, No 2 July 2023
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v6i2.21476

Abstract

Human resources in a company is a valuable asset that needs attention to achieve maximum performance so that company goals are achieved. Satisfied employees will affect their performance. There is still a lack of research on the relationship between internal and external factors and job satisfaction and human resource performance, particularly regarding the current popular topic of work-life balance and what young employees want from their jobs. This study aims to determine the effect of Islamic leadership, Islamic work environment, Islamic work motivation, and work-life balance on employee satisfaction and performance at Islamic banks. This study used a quantitative approach with a sampling, namely simple random sampling. The number of samples in this study was 41 respondents. Data analysis techniques use SEM-PLS using SmartPLS to manage data. The results showed that Islamic leadership variables greatly influence employee job satisfaction, work environment variables, work-life balance, and work motivation have a small influence on job satisfaction. In contrast, job satisfaction variables have a large influence on employee performance. The findings of this study are anticipated to be an assessment of Islamic bank stakeholders' attention to their human resources to maximize job satisfaction and performance and hasten the achievement of the company's objectives. The construction of a supportive Islamic workplace environment and work-life balance are issues that require consideration to promote employee satisfaction and performance.
Analisis Masalah dan Solusi Prioritas Pengembangan UMKM Septiana, Nurul Izzati; Rozi, A. Fahrur; Muar, Romli
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 3 No 1 (2019)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (466.461 KB) | DOI: 10.33379/jihbiz.v3i1.785

Abstract

This research is a qualitative-quantitative analysis that aims to capture a value or view represented by experts and practitioners about problems, solutions, and strategies for developing SMEs in Palaan village. The analytical tool used is the ANP method and is processed using the "Super Decision" software. The selection of respondents in this study was conducted using a purposive sample by considering the respondent's understanding of the problems, solutions, and strategies for the development of SMEs in Palaan Village, Malang Regency. The problems and solutions that occur from the development of MSMEs in Palaan Village in order of priority are marketing problems, product development quality problems, and capital problems. Recommendations from this study require further research on the study of conceptual details of the solutions offered for the development of MSMEs.
Co-Authors Adiba, Elfira Maya Efendi, Mohamad Nur Fahmi Ali Hudaefi Hamzah, Shidqi Saifuddin Ideris, Azlina Binti Katri, Fatin Salwa Binti Haji Khomairoh, Selvina Muar, Romli Nasrulloh Noryatim, Nadiana Nur Efendi, Mohamad Rozi, A. Fahrur Sugeng Widodo Swandaru, Randi Wulandari, Elisa