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All Journal Jurnal Ilmiah Ekonomi Islam Akuntabel : Jurnal Ekonomi dan Keuangan Jurnal Hukum Ekonomi Syariah Jurnal Akuntansi Al-Azhar Journal of Islamic Economics Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Iqtisadie: Journal of Islamic Banking and Shariah Economy Likuid: Jurnal Ekonomi Industri Halal Medani : Jurnal Pengabdian Masyarakat Jurnal Manajemen Dan Bisnis Ekonomi Journal of Management, Economic, and Accounting Al-Zayn: Jurnal Ilmu Sosial & Hukum JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, dan Akuntansi JAMP Maaliyah Journal of Islamic Economics and Business Ethics Referensi Islamika: Jurnal Studi Islam Raqib: Jurnal Studi Islam
Asyraf Mustamin
Universitas Islam Negeri Alauddin Makassar
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analisis Penerapan Islamic Corporate Social Responsibility (ICSR), Strategi Komunikasi, dan Islamic Work Ethic (IWE) Dalam Membangun Citra Perusahaan Pada Bank Syariah Indonesia KCP Bantaeng Fadliah Asna; Asyraf Mustamin; St. Hafsah Umar; Nuraeni Gani; Kamaruddin
JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, dan Akuntansi Vol. 4 No. 2 (2026): October
Publisher : CV. Muris Global Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62421/jibema.v4i2.787

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan Islamic Corporate Social Responsibility (ICSR), strategi komunikasi, dan Islamic Work Ethic (IWE) terhadap citra perusahaan pada Bank Syariah Indonesia (BSI) KCP Bantaeng. Fokus penelitian ini adalah bagaimana penerapan ICSR, strategi komunikasi, dan Islamic Work Ethic (IWE) dalam membangun citra perusahaan di mata masyarakat. Penelitian ini menggunakan jenis penelitian kualitatif dengan pendekatan studi kasus. Lokasi penelitian dilaksanakan di Bank Syariah Indonesia KCP Bantaeng. Sumber data penelitian terdiri atas data primer dan data sekunder. Informan penelitian berjumlah lima orang yang terdiri atas tiga orang karyawan BSI KCP Bantaeng, yaitu Customer Service, Branch Operation and Service Manager (BOSM), dan Sales Force, serta dua orang masyarakat penerima bantuan ICSR. Teknik pengumpulan data dilakukan melalui observasi, wawancara, dan dokumentasi. Teknik analisis data yang digunakan meliputi reduksi data, penyajian data, dan penarikan kesimpulan. Adapun pengujian keabsahan data dilakukan melalui triangulasi sumber. Hasil penelitian menunjukkan bahwa penerapan Islamic Corporate Social Responsibility (ICSR) di BSI KCP Bantaeng mampu membangun persepsi positif masyarakat melalui berbagai kegiatan sosial yang mencerminkan kepedulian perusahaan terhadap lingkungan sekitar. Strategi komunikasi yang diterapkan melalui komunikasi langsung, sosialisasi, dan pemanfaatan media komunikasi dinilai efektif dalam menyampaikan informasi mengenai produk, layanan, dan program perusahaan kepada masyarakat. Selain itu, penerapan Islamic Work Ethic (IWE) yang diwujudkan melalui nilai amanah, kejujuran, tanggung jawab, disiplin, dan pelayanan yang baik memberikan kontribusi positif terhadap pembentukan citra perusahaan. Ketiga aspek tersebut saling mendukung dalam membangun citra Bank Syariah Indonesia KCP Bantaeng sebagai lembaga keuangan syariah yang profesional, terpercaya, dan memiliki kepedulian sosial terhadap masyarakat.
Stability Analysis of Islamic Banks Using The RGEC Method Against The Risk of Financial Distress as a Pillar of The Halal Economy in Indonesia Nurfadilla Nur Ali; Asyraf Mustamin; Kamaruddin; Saenal Tamrin
Likuid Jurnal Ekonomi Industri Halal Vol. 5 No. 2 (2025): LIKUID: Jurnal Ekonomi Industri Halal
Publisher : Sharia Economics Study Program Faculty of Islamic Economics and Business UIN Sunan Gunun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/likuid.v5i2.48235

Abstract

This study aims to analyze the effect of the health level of Islamic Banks as measured by the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital) on the possibility of financial distress. The background of this research is based on global economic uncertainty during the 2019-2023 period and the increasing Non Performing Financing (NPF) and BOPO ratios at Islamic Banks, which indicate potential vulnerability to financial distress. This research uses a descriptive quantitative approach with purposive sampling technique of Islamic Commercial Banks listed on the Indonesia Stock Exchange for the period 2021-2024. The data analysis technique includes ranking the RGEC ratio, classical assumption test, and multiple linear regression analysis with the help of SPSS 22 software. The results showed that simultaneously, all RGEC components had a significant effect on financial distress with an F value of 11,596 and a significance of 0.000 and an adjusted R² of 0.672. Partially, the Risk Profile variable measured through NPF (p = 0.012) and FDR (p = 0.002), as well as the Capital variable (CAR) with a significance of 0.000 have a positive and significant effect. Meanwhile, the Good Corporate Governance and Earnings variables (ROA, ROE, and NOM) did not show a significant effect. Thus, it can be concluded that although simultaneously RGEC affects financial distress, partially only Risk Profile and Capital have a significant influence. This finding underscores the importance of strengthening financing risk management and capital in maintaining the financial stability of Islamic banks amid economic dynamics. The implication of this research is as one of the information tools in general for related parties and especially for Islamic bank companies listed on the IDX to maximize risk management, capital strength, managerial strategies, and policy improvements.
Pembiayaan Hijau BSI dan Implementasi ESG 2021-2024: Pemetaan Portofolio Berbasis TKBI dan Analisis Tren Longitudinal Pada PT Bank Syariah Indonesia Tbk Andi Nur Islami Batari Toja; Samsul Arifai; Ismawati; Asyraf Mustamin
JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, dan Akuntansi Vol. 4 No. 2 (2026): October
Publisher : CV. Muris Global Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62421/jibema.v4i2.809

Abstract

Penelitian ini bertujuan untuk mengukur tingkat, pangsa, dan komposisi pembiayaan hijau di PT Bank Syariah Indonesia Tbk (BSI) berdasarkan Taksonomi Keuangan Berkelanjutan Indonesia (TKBI) dan menganalisis tren longitudinal kinerja lingkungan untuk periode 2021–2024. Dengan menggunakan desain longitudinal retrospektif deskriptif dalam pendekatan studi kasus tunggal, penelitian ini menggunakan analisis dokumen Laporan Keberlanjutan dan Laporan Tahunan BSI. Hasil menunjukkan bahwa pembiayaan berkelanjutan (GF-Level) tumbuh secara konsisten dari Rp 46,16 triliun pada tahun 2021 menjadi Rp 66,50 triliun pada tahun 2024, meskipun proporsinya terhadap total pembiayaan (GF-Share) mengalami penurunan relatif menjadi 23,88%. Komposisi portofolio (GF-Mix) didominasi oleh UMKM (78,82%), bersamaan dengan pertumbuhan pesat dalam Pengelolaan Sumber Daya Hidup Berkelanjutan (10,32%). Indeks Lingkungan ESG Internal yang disusun menunjukkan peningkatan inisiatif program aktif, seperti pengurangan limbah plastik dan penanaman pohon, mencapai skor 100,00 pada tahun 2024. Sebaliknya, indikator jejak operasional disesuaikan karena perluasan batas pelaporan ke cakupan seluruh bank (1.130 gerai) melalui Pelacakan Karbon Digital sebagai dasar baru. Keterbatasan penelitian ini berasal dari desain deskriptifnya tanpa pengujian hipotesis kausal dan pergeseran batas pelaporan. Implikasi praktisnya menawarkan dasbor tren pembiayaan hijau dan peningkatan akuntabilitas untuk pelaporan pilar lingkungan yang selaras dengan POJK 51/2017 dan TKBI. Orisinalitasnya terletak pada pemetaan baru portofolio pembiayaan hijau Islami menggunakan taksonomi domestik dan rekonstruksi indeks lingkungan longitudinal yang dapat direplikasi.
The Effect Of Self-Efficacy, Investment Risk, And Corporate Reputation On Sharia Stock Investment Decisions With Financial Literacy As A Moderating Variable Ayu Aya Sofya; Asyraf Mustamin; Kamaruddin Kamaruddin; Samsul Samsul; St. Hafsah Umar
Journal of Management, Economic, and Accounting Vol. 5 No. 4 (2026): Oktober
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i4.1837

Abstract

The rapid growth of young investors in the Islamic capital market has not been fully accompanied by adequate risk understanding and financial literacy, allowing investment decisions to remain influenced by psychological factors and perceptions of issuers. This study examines the effects of self-efficacy, investment risk, and corporate reputation on Sharia stock investment decisions and tests financial literacy as a moderating variable among the Zillennial generation in South Sulawesi Province. A causal quantitative approach was applied to a population of 5,525 investors, with 100 respondents selected using purposive sampling. Primary data were collected through a Likert-scale questionnaire and analyzed using multiple linear regression and Moderated Regression Analysis with IBM SPSS Statistics 21. The findings show that self-efficacy (t=3.737; p<0.001), investment risk (t=2.025; p=0.046), and corporate reputation (t=5.812; p<0.001) have positive and significant effects on investment decisions. However, the interaction terms between financial literacy and the three predictors are not significant. Financial literacy therefore did not strengthen or weaken these relationships in the study sample.
Co-Authors - Trimulato, - Ambo Asse Amiruddin K. Amrah Kasim Andi Nur Islami Batari Toja Andri Machmury Ayu Aya Sofya Evi Sugiatni Fadliah Asna Farid Fajrin Ikramulla Ikramulla Ilham Gani Ismawati JUMARDI Kamaruddin Kamaruddin Kamaruddin Kamaruddin Khaliq Ahmad M Taufik Ridho Muhajir Suni Muhlis Masin Mujahidah Murliani Murliani Nasrullah Bin Sapa Nur Isra' Ahmad Nur Waasi Nuraeni Gani Nuraeni Gani Nurfadilla Nur Ali Nurfaikah Ratna Sari Rizki Rahim Saenal Tamrin Salam Samsul Samsul Samsul Samsul Samsul St Hafsah Umar St. Hafsah Umar Sudirman Supriadi Supriadi Supriadi Supriadi Surya Ningsih Syarifuddin Tri Mulato Trisno Wardy Putra Wina Pradita