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Determinants of Financial Stability in the Islamic Financial Services Industry: CS-ARDL Panel Analysis of Islamic Countries Kurniawan, Muhammad; Iqbal Fasa, Muhammad; Ahmad Razimi, Mohd Syahril; Sisdianto, Ersi
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2026)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v12i1.9230

Abstract

Purpose: This research aims to identify the factors influencing stability reporting in the Islamic financial services industry, with a specific focus on financial performance, efficiency, asset quality, and capital adequacy.Design/Methodology: Utilizing panel data from Islamic financial institutions across ten countries (Iran, Saudi Arabia, Malaysia, UAE, Kuwait, Qatar, Turkey, Bangladesh, Indonesia, and Bahrain), the research employs the Cross-Sectionally Augmented Autoregressive Distributed Lag (CS-ARDL) approach to address cross-sectional dependence and heterogeneity in panel data. The model's validity and consistency were confirmed through robust diagnostic tests, including cointegration and cross-sectional dependence tests.Findings: This study finds that financial performance (ROA) and capital adequacy (CAR) are key drivers of stability in the Islamic financial services industry. Institutions with higher profitability and stronger capital buffers are better able to withstand economic pressures and maintain stable operations, both in the short and long term. In contrast, inefficiency (high Cost to Income Ratio) and poor asset quality (high NPF) weaken stability. When institutions operate inefficiently, their costs erode profits that could otherwise serve as a cushion during difficult times. Likewise, when financing defaults increase, asset quality deteriorates, directly threatening institutional soundness. These findings indicate that achieving stability requires Islamic financial institutions to simultaneously strengthen profitability, maintain adequate capital, control operational costs, and manage credit risk effectively.Practical Implications: This study offers practical implications for regulators and financial institutions to enhance stability monitoring and risk management frameworks, thereby improving systemic resilience within the Islamic financial services industry.Originality/Value: This study contributes to the literature on Islamic financial stability by providing robust empirical evidence on the critical determinants of stability reporting, using a sophisticated methodology to account for data complexities.
ANALYSIS OF FACTORS AFFECTING THE TRANSACTION COSTS OF RICE FARMERS IN THE PERSPECTIVE OF ISLAMIC ECONOMICS Wibowo, Arif Dwi; Bahtiar, M Yusuf; Sisdianto, Ersi
JURNAL PROFIT Vol 9, No 2 (2025): Economic And Financial Institutions
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i2.13355

Abstract

This study aims to analyze the factors that influence the transaction costs of rice farmers in the perspective of Islamic economics in Gadingrejo, namely uncertainty, social networks, and frequency. The methodology used in this study is quantitative associative. The data collection technique uses a questionnaire with a SEM PLS approach using SmartPLS software. The results of this study indicate that uncertainty, social networks, and frequency among farmers in Gadingrejo have a positive and significant effect on transaction costs. This result can be concluded because the calculated F (54.5) > table F (2.77). The contribution of this study is the understanding that transaction costs in Islamic economics do not only cover financial aspects but also social aspects such as justice, trade balance, and business ethics in accordance with Islamic principles.
Determinants Customer Satisfaction: Multiple Moderation Models Of Service Quality At Tourist Object Gubak Hills In Islamic Business Perspective Risya Hidayani Pratiwi; Muhammad Kurniawan; Ersi Sisdianto
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 3 (2025): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i3.7777

Abstract

This study aims to examine the impact of tourist facilities and price on customer satisfaction at Gubak Hills, with service quality as a moderating variable. Utilizing a quantitative method with a descriptive approach, the research involved 108 tourists who have visited Gubak Hills and reside in Bandar Lampung. Data was collected through questionnaires, and Smart PLS was used for structural equation modeling. The findings indicate that tourist facilities positively influence service quality, which significantly moderates the relationship between facilities and customer satisfaction. Similarly, price has a positive effect on customer satisfaction, with service quality enhancing the relationship between price and satisfaction. However, the study acknowledges limitations due to reliance on subjective perceptions, which may introduce bias and affect data accuracy. These insights are valuable for tourism managers seeking to improve visitor experiences and satisfaction at Gubak Hills.
Individual Performance Level Through Self Esteem, Self Efficacy And Locus Of Control In Islamic Perspective Rifky Widodo; Ersi Sisdianto; Okta Supriyaningsih
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 3 (2025): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i3.7998

Abstract

This research aims to analyze the influence of self-esteem, individual efficacy, and locus of control on employee performance at the Regional Development Planning Agency (Bapperida) from an Islamic perspective. It seeks to understand how positive psychological factors contribute to enhancing employee productivity and how Islamic principles can be applied to improve these factors, ultimately impacting work quality. Employing a quantitative approach with a descriptive design, the study focuses on Bapperida employees. Data is collected through a questionnaire assessing the effects of self-esteem, efficacy, locus of control, and performance. The data will be analyzed using regression analysis to test the relationships between variables, along with Smart PLS (Partial Least Squares) to evaluate the structural relationship model and understand the long-term effects of these psychological factors on performance. However, the findings may be influenced by respondents' subjective perceptions, as individual experiences and interpretations of Islamic teachings can affect responses. The study is limited to Bapperida, which may restrict the generalizability of the results to other organizations. Ultimately, the findings indicate that while self-esteem does not positively influence individual performance, both self-efficacy and locus of control have significant positive effects on employee performance.
Pengaruh Ease Of Use, Trust, dan Literasi Digital, terhadap Minat Masyarakat dalam Membayar Zakat Secara Online: Studi Masyarakat di Bandar Lampung Sari, Berliana Revita; Sisdianto, Ersi; Nurhayati, Nurhayati
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 2 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i2.4948

Abstract

Penelitian ini dilatarbelakangi oleh tantangan utama yang dihadapi oleh negara-negara berkembang termasuk indonesia adalah masalah ekonomi. Permasalahan ekonomi ini seringkali berdampak negatif pada kehidupan sosial masyarakat seperti munculnya kemiskinan dan pengangguran yang dapat menimbulkan tindakan kriminal. Dalam ajaran islam pemberantasan kemiskinan sudah dilembagakan dalam salah satu rukunnya, yaitu menunaikan zakat. Rumusan masalah dalam penelitian ini adalah apakah ease of use, trust, dan literasi digital berpengaruh positif dan signifikan secara parsial terhadap minat masyarakat dalam membayar zakat secara online (studi masyarakat di Bandar Lampung). Metode penelitian yang digunakan adalah metode penelitian kuantitatif, jenis data yang digunakan adalah data primer berupa kuesioner. Populasi dalam penelitian ini adalah masyarakat yang membayar zakat secara online di kota Bandar Lampung. Teknik pengambilan sampel pada penelitian ini menggunakan purposive sampling dengan jumlah responden sebanayak 96 responden. Hasil penelitian ini menunjukkan bahwa variabel ease of use (X1) berpengaruh positif dan signifikan terhadap minat masyarakat (Y), trust (X2) berpengaruh positif dan signifikan terhadap minat masyarakat (Y), Literasi Digital (X3) berpengaruh positif dan signifikan terhadap minat masyarakat (Y) Maka dapat disimpulkan bahwa ketiga variabel independen memiliki pengaruh yang signifikan terhadap minat masyarakat dalam membayar zakat secara online.
Co-Authors , Nurbaiti A. Zuliansyah Zuliansyah Adjila Mohamed Ahmad Razimi, Mohd Syahril Ainul Fitri Al Darda, Fakitha Amrina, Dania Hellin Annisa Fatimah Annisa, Nada Any Eliza Arbiansa, Ifan Arifa Kurniawan Ariyanti, Eliya Artika, Maya Asiati, Diah Isnaini Asmara, Mahesa Dwi Astuti, Wiji Rahayu Bahtiar, M Yusuf Bimantoro, Jonathan Darmayanti, Elmira Febri Desi Isnaini Desti Anggraini Dian Novita Dwi Lestari Evi Eka Wati Evi Ekawati Fadhilah, Widia Delfi Fahry Reza fatimah Fatimah Fauzan Akbar Albastiah Fauzan Akbar Albastiah Fauzi Isnaen Fikriyah, Nasiatul Hana Fitri, Ainul Fitriah, Wani Harrys Pratama Teguh Harrys Pratama Teguh Hasibuan, Amara Berliana Hayati , Mardiyah Heni Verawati Hening, Jeni Latri Herninov Resti, Chinthia Hila, Syamsul Isnaen, Fauzi Kurniawan, Putra Larasati, Nurfadila Dewi Lutfia Aprilian M. Yusuf Bahtiar, M. Yusuf Madnasir Madnasir Madnasir Maghfi, Muhammad Mahmudin, Rizal Mardhiyah Hayati Marsilawati, Devi Maulana, Rivan Ma’arif, M. Samsul Mega Fatimah Rosana Mia Selvina Mohamed, Adjila Mohd Shahril Ahmad Razimi Mohd Shahril Ahmad Razimi Muhammad Iqbal Fasa Muhammad Kurniawan Nalisa, Rika Nanda Aulia Nengsih Nengsih Ningrum, Setia Fitri Alviana Noor, Nur Fariha binti Mohd Northa Idaman Nur Wahyu Ningsih Nuraziza, Sania Nurhayati Nurhayati Nurhayati, Nurhayati Nurlaili , Nurlaili Nurlaili Nurlaili Nurlaili, N. Nurlatifah, Lilik S Nurpasya, Putri Nursaman Nursaman Nursaman, Nursaman Okta Supriyaningsih Putra, Yusuf Irvan Mahesa Putri Nurpasya Putri, Novita Nadiya Rahmat Fajar Ramdani Rahmat, Muhammad Raizky Rienaldy Pramasha Razimi, Mohd Syahril Ahmad Rendi Feprian Saputra Reza, Fahry Ridwansyah Ridwansyah Rifky Widodo Rio Kurniawan Risya Hidayani Pratiwi Rita Diana Mei Sari Rizki, Aprilia Robiansyah, Anton Rubhan Masykur Sahidal, Sahidal Sari, Berliana Revita Selviana, Mia Sholekah, Fadhila Amallya Sri Aningsih Suharto Supaijo Supaijo Suprianingsih, Okta Susanto, Is Sutjiati, Rhesmita Syamsul Hilal Sydiq, Hafidz Taufiqur Rahman, Taufiqur Teguh, Harrys Pratama Tubarad, Chara Pratami Tidespania Ulandari, Abel Uli Ulul Azmi Mustofa, Ulul Azmi Wahyuni, Dian Siti Weny Rosilawati Wibowo, Arif Dwi Wiraputra, Jhody Yeni Susanti Yuliansyah Yuliansyah yunita, Via Zakiyah, Fadila Rahma Zuliansyah, A. Zuliansyah