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All Journal Analisis: Jurnal Studi Keislaman Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam NISBAH: JURNAL PERBANKAN SYARIAH ILTIZAM Journal of Sharia Economic Research FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JESI (Jurnal Ekonomi Syariah Indonesia) At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Mantik Economic Education and Entrepreneurship Journal El-Usrah: Jurnal Hukum Keluarga Jurnal Ilmiah Edunomika (JIE) Al-Muqayyad Revenue: Jurnal Manajemen Bisnis Islam Jurnal Ilmu Perbankan dan Keuangan Syariah Jurnal Disrupsi Bisnis Jurnal Ilmu Ekonomi dan Bisnis Islam Jurnal Terapan Manajemen dan Bisnis Al-Mashrof: Islamic Banking and Finance Indonesian Journal of Islamic Economics and Business Al-Mu'awanah Bulletin of Community Engagement Jurnal Ad-Dariyah Golden Ratio of Finance Management Salam (Islamic Economics Journal) Cakrawala: Jurnal Studi Islam International Business and Accounting Research Journal Mutanaqishah: Journal of Islamic Banking Indonesian Journal of Islamic Economics and Finance KENDALI: Economics and Social Humanities Bukhori: Kajian Ekonomi dan Keuangan Islam Economica: Journal of Economic and Economic Education Jurnal Penelitian dan Pengabdian Masyarakat Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah JCAIP: Journal of Contemporary Applied Islamic Philanthropy Jurnal Rekognisi Ekonomi Islam (JREI) JUEBIR: Journal of Economics and Business Research Jurnal Ekonomi, Manajemen, Akuntansi BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan
Gustika Nurmalia
Universitas Islam Negeri Raden Intan Lampung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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The Intertemporal Influence Of The Global Trade War And The Rupiah Exchange Rate On Exports And Imports In Indonesia From An Islamic Economic Perspective In 2013-2024 Setya Ayu Nastiti; Dimas Pratomo; Gustika Nurmalia
Journal of Contemporary Applied Islamic Philanthropy Vol. 4 No. 1 (2026): JCAIP
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62265/jcaip.v4i1.583

Abstract

Purpose: This study aims to analyze the intertemporal impact of the global trade war and fluctuations in the rupiah exchange rate on Indonesia's export and import performance from an Islamic economic perspective during the period 2013–2024. The trade war between the United States and China since 2018 has created international trade uncertainty and changes in tariff policies that affect developing countries, including Indonesia. In addition, changes in the rupiah exchange rate against the United States dollar also affect export competitiveness and national import expenditure. Methodology: This study uses a quantitative method with an exploratory approach and annual time series analysis for 2013–2024. Secondary data were obtained from the Indonesian Central Bureau of Statistics, the Ministry of Trade of the Republic of Indonesia, and other official institutions, then analyzed using time series regression to determine the partial and simultaneous effects of independent variables on Indonesian trade. Findings: The results of this study are expected to provide empirical evidence regarding the influence of the global trade war and exchange rates on Indonesia's exports and imports and their compliance with Islamic economic principles, such as justice (al-'adl), balance (tawazun), and benefit (maslahah). The novelty of this research lies in the simultaneous integration of global trade war analysis and the rupiah exchange rate from an Islamic economic perspective, which has rarely been studied in previous research.     This is an open-access article under the CC BY-SA license.  
Determinan Minat Investasi Generasi Z Kota Bandar lampung pada Pasar Modal Syariah: Peran Literasi Keuangan dan Kemajuan Teknologi Sabina Ayu Gosye Nova; Gustika Nurmalia; Cahya Bulan Safitri; Afrizandi Afrizandi
Journal of Economics and Business Research (JUEBIR) Vol. 5 No. 1 (2026): June (2026)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/juebir.v5i1.15305

Abstract

Penelitian ini menganalisis determinan minat investasi Generasi Z di Kota Bandar Lampung pada pasar modal syariah melalui peran literasi keuangan dan kemajuan teknologi. Menggunakan pendekatan kuantitatif dengan metode deskriptif asosiatif terhadap 100 responden, data dianalisis menggunakan PLS-SEM pada perangkat lunak SmartPLS 4. Hasil penelitian menunjukkan bahwa kemajuan teknologi berpengaruh positif dan signifikan terhadap minat investasi (T-statistics 9,211; P-values 0,000), sedangkan literasi keuangan tidak berpengaruh signifikan (T-statistics 0,032; P-values 0,974). Nilai R-square sebesar 0,382 menunjukkan bahwa model penelitian mampu menjelaskan 38,2% variasi minat investasi Generasi Z.
THE EFFECT OF ACCESS TO EDUCATION AND ACCESS TO HEALTH ON POVERTY LEVELS IN INDONESIA FROM AN ECONOMIC PERSPECTIVE ISLAM 2015-2024 Galuh Ramadhan; Wahyu Iryana; Gustika Nurmalia
JURNAL ECONOMICA : Research of Economic And Economic Education Vol 14, No 2 (2026): Economica: Journal Of Economic And Economic Education
Publisher : Economic Education Faculty of Economics and Business Universitas PGRI Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22202/economica.2026.v14.i2.11139

Abstract

This study aims to analyze the effect of access to education and healthcare on poverty levels in Indonesia from an Islamic economics perspective during the 2015–2024 period, using a quantitative approach and multiple linear regression analysis based on secondary data obtained from the Central Bureau of Statistics (BPS). The results indicate that access to education has a negative and significant effect in reducing poverty, while access to healthcare has a negative but not statistically significant effect. Simultaneously, both variables have a significant influence and are able to explain a large proportion of the variation in poverty levels. From the perspective of Islamic economics, education and healthcare are considered essential factors in improving human resource quality, promoting welfare, and achieving social justice in order to reduce poverty.
Pengaruh Rasio Keuangan Terhadap Likuiditas Bank Umum Syariah Di Indonesia  Periode 2015-2024 : Pendekatan Short Term Mismatch Risma Wati; Gustika Nurmalia; Anggun Okta Fitri
Indonesian Journal of Islamic Economics and Business Vol. 11 No. 1 (2026): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v11i1.3769

Abstract

Liquidity represents a bank’s capacity to fulfill its short-term obligations using current assets that mature within one year. This measure is vital for ensuring financial stability and sustaining long-term profitability. This study examines the influence of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Return on Assets (ROA), and Operational Costs to Operating Income (BOPO) on liquidity, which is assessed through the Short Term Mismatch (STM) in Islamic Commercial Banks in Indonesia. A quantitative method is applied, utilizing secondary data from annual reports covering the 2015–2024 period. The population consists of all Islamic Commercial Banks registered with the Financial Services Authority (OJK) in 2024, with nine banks chosen as the sample using purposive sampling. The findings indicate that CAR positively and significantly affects STM, BOPO negatively and significantly affects STM, while NPF and ROA show no significant impact. Collectively, the four independent variables account for 54.33% of STM variability, with the remainder influenced by other factors beyond the model.The study suggests that enhancing capital adequacy and operational efficiency is essential for maintaining liquidity stability, and the results can inform the development of more effective liquidity management strategies.
Pengaruh Kualitas Aktiva Produktif, Short Term Mismatch, Net Operating Margin Terhadap Kinerja Keuangan Perbankan Syariah Putri Dwi Alfiani; Ahmad Habibi; Gustika Nurmalia
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 3 No. 6: September 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v3i6.5426

Abstract

Penelitian ini bertujuan untuk membandingkan pengaruh variabel Kualitas Aktiva Produktif (KAP), Short Term Mismatch (STM), dan Net Operating Margin (NOM) pada kinerja keuangan perbankan syariah di Indonesia dan Malaysia. Analisis dilakukan menggunakan data dari Bank Muamalat Indonesia dan Bank Muamalat Malaysia Berhad periode 2016-2022, dengan fokus pada periode sebelum, selama, dan setelah COVID-19. Hasil uji koefisien determinasi menunjukkan bahwa variabel independen memengaruhi kinerja keuangan sebesar 59% di Indonesia dan 47% di Malaysia. Uji F menunjukkan tidak adanya pengaruh simultan yang signifikan antara variabel-variabel independen dan kinerja keuangan di kedua negara. Uji T mengungkapkan bahwa di Indonesia, hanya variabel STM yang berpengaruh signifikan terhadap kinerja keuangan, sedangkan di Malaysia, tidak ada variabel yang menunjukkan pengaruh signifikan. Uji beda independensi juga menunjukkan tidak adanya perbedaan yang signifikan antara rasio keuangan perbankan syariah di Indonesia dan Malaysia. Hasil penelitian ini menunjukkan bahwa pengelolaan likuiditas jangka pendek lebih berpengaruh di Indonesia, sedangkan di Malaysia, sistem perbankan syariah mungkin lebih stabil dan matang dalam menghadapi risiko mismatch likuiditas. Temuan ini memberikan implikasi bagi regulator di kedua negara untuk lebih memperhatikan pengelolaan likuiditas dan efisiensi operasional dalam meningkatkan stabilitas dan kinerja perbankan syariah.
Pengaruh Likuiditas, Leverage, dan Non Performing Financing, Terhadap Stabilitas Keuangan pada Bank Umum Syariah di Indonesia Periode Tahun 2020-2024 Nabilli Rahman; Ujang Hanief Musthofa; Gustika Nurmalia
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i1.9115

Abstract

This study aims to analyze the influence of liquidity (FDR), leverage (DER), and Non-Performing Financing (NPF) on the financial stability of Islamic Commercial Banks (BUS) in Indonesia (2020–2024) using panel data from 10 BUS. The Chow test and Hausman test determined the Fixed Effects Model (FEM) as the best model. The results show: FDR and NPF have no statistically significant effect. Meanwhile, DER has a positive and significant influence with a p-value of 0.009, as Sharia-compliant debt for productive financing through risk-sharing schemes enhances stability. The adjusted R² (11.39%) indicates limited explanatory power, with 88.61% attributed to external factors. From an Islamic perspective, this study highlights that the role of Islamic banks is not solely about financial achievement but also a manifestation of their social responsibility in building a more inclusive and sustainable economy aligned with Islamic values.
PENGARUH PENGALAMAN USAHA, PENGAMBILAN RESIKO DAN KETERAMPILAN TERHADAP KEBERHASILAN USAHA DI PASAR TRADISIONAL SUKAJADI LAMPUNG BARAT: DITINJAU DARI MANAJEMEN PEMASARAN SYARIAH Wulan Nurhidayah; Ahmad Habibi; Gustika Nurmalia
KENDALI: Economics and Social Humanities Vol. 4 No. 2 (2025): KENDALI: Economics and Social Sciences Humanities, November 2025
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i2.859

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pengalaman usaha, pengambilan risiko, dan keterampilan terhadap keberhasilan usaha pada pedagang di Pasar Tradisional Sukajadi, Lampung Barat, dalam perspektif manajemen pemasaran syariah. Latar belakang penelitian ini didasari oleh menurunnya jumlah pedagang dan daya saing pasar tradisional akibat perkembangan pasar modern dan digitalisasi. Tiga variabel utama yang diteliti yaitu pengalaman usaha (X1), pengambilan risiko (X2), dan keterampilan (X3) diasumsikan memiliki pengaruh terhadap keberhasilan usaha (Y). Penelitian ini menggunakan metode kuantitatif dengan pendekatan survei melalui penyebaran kuesioner kepada 100 responden yang dipilih dengan teknik purposive sampling. Analisis data dilakukan menggunakan SmartPLS. Hasil penelitian menunjukkan bahwa secara parsial pengalaman usaha, pengambilan risiko, dan keterampilan masing-masing berpengaruh positif dan signifikan terhadap keberhasilan usaha. Secara simultan, ketiga variabel tersebut juga memberikan pengaruh yang signifikan terhadap keberhasilan usaha. Dari perspektif manajemen pemasaran syariah, keberhasilan usaha tidak hanya dilihat dari aspek profitabilitas, tetapi juga dari penerapan nilai-nilai kejujuran, keadilan, dan keberkahan dalam praktik bisnis. Penelitian ini menegaskan pentingnya integrasi nilai-nilai Islam dalam pengelolaan usaha agar tercapai kesuksesan yang tidak hanya materiil tetapi juga spiritual.
Co-Authors A, Novia A. Kumedi Ja’far A. Zuliansyah Afrizandi Afrizandi Agus Kurniawan Agus Kurniawan Ahmad Habibi Ahmad Habibi ahmad habibi Ahmad Hazas Syarif Ahmad, Syukron Aina Nur Ajizah, Syifa Akbar, Tulus Rizkon Andita, Maulian Andriansyah Bastian Anggareni, Erike Anggrayani, Viki Anggun Okta Fitri Any Eliza Apita Sari Arisca, Nurmalita Asriani Asriani Asriani Asriani, Asriani Assya Octafany Astarika, Dela aulia, zahara Awang Ulianti Ayasar, Prayogi Putra Azizah, Novi Nur Bagas Herdi Prasetio Bahrudin, Moh Bahrudin, Moh. Bittaqwa, Bry Bima Cahya Bulan Safitri Dalimunthe, Nindytia Puspitasari Dedi Satriawan Dewi Tradena Dimas Pratomo Dini Anggraini, Dini Endang Marlina Erike Anggraeni Farhana, Nur Laila Fella Aprilia Herlambang Femei Purnamasari Galuh Ramadhan H, Clarissa Novianti Handayani, Ani Hanif Hanif Heni Noviarita Herfina, Inne Dwi Heri, Mad Irfansyah, Nanda Iva Faizah Juwita, Safna Khavid Normasyhuri Kori Saumanisa M Ammar Firas Wafiq Mardhiyah Hayati Marfilia, Alda Mariska, Uut Maulian Andita Mega Fatimah Rosana Moh. Bahrudin Muhamad Iqbal Muhammad Iqbal Fasa Muhammad Kurniawan Mutiasari Nur Wulan Mutiasari Nur Wulan Nabilli Rahman Normasyhuri, Khavid Novia A Nur'aini, Aninda Nurrohmah, Nurul Nurul Husna octafany, assya Putri Dwi Alfiani Putri Monica Sari Putri, Aprila Sari Ardini Rahmadani, Widia Ramadhan, Andika Dian Ramadhani, Mutiara Repika Reza Amanda Bahtiari Reza, Aditya Okta Ridwansyah Ridwansyah Ridwansyah Risma Wati Ruslan Abdul Ghofur Sabina Ayu Gosye Nova Sari, Defya Sari, Putri Wulan Setya Ayu Nastiti Solehah, Azmi Fadhilatus Suhendar, S. Susanto, Is Syarif, Hazas Syukron Ahmad Tedi Rusman Tri Novita Sari, Tri Novita Ujang Hanief Musthofa Wahyu Iryana Wahyu Iryana Wulan Nurhidayah Wulan, Mutiarasari Nur Wulan, Mutiasari Nur Yudhistira Ardana Yudhistira Ardana, Yudhistira Zathu Restie Utamie Zuliansyah, A