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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Ekonomi Syariah Teori dan Terapan JURNAL EKONOMI DAN BISNIS AIRLANGGA Jurnal Ilmiah Pangabdhi Jurnal Pengabdian Kepada Masyarakat (Indonesian Journal of Community Engagement) Hayula: Indonesian Journal of Multidisciplinary Islamic Studies Al Tijarah al-Uqud : Journal of Islamic Economics International Journal of Islamic Economics and Finance (IJIEF) Jurnal Ekonomi Islam Al-Muzara'ah Dinamisia: Jurnal Pengabdian Kepada Masyarakat Dinamis : Journal of Islamic Management and Bussiness Shirkah: Journal of Economics and Business Economics and Finance in Indonesia Jurnal Ekonomi dan Pembangunan JPPM (Jurnal Pengabdian dan Pemberdayaan Masyarakat) Journal of Islamic Monetary Economics and Finance Jurnal ABDINUS : Jurnal Pengabdian Nusantara Studi Kasus Inovasi Ekonomi Airlangga Journal of Innovation Management Airlangga International Journal of Islamic Economics and Finance Indonesian Capital Market Review Journal of Islamic Economics Lariba Jurnal Ilmiah Pengabdian dan Inovasi Jurnal Ekonomi Islam Islamic Economics Methodology Accounting and Sustainability Economic and Finance in Indonesia Journal of Islamic Economics Studies and Practices (JIESP).
Rani, Lina Nugraha
Departemen Ekonomi Syariah - Fakultas Ekonomi Dan Bisnis - Universitas Airlangga
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Library & Information Science Public Health Social Sciences Other

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Spin-Off Policy of Sharia Bank: Is It Profitable? Rusydiana, Aam Slamet; Devi, Abrista; Hasib, Fatin Fadhilah; Rani, Lina Nugraha
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 11 No. 2 (2019)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v11i2.9157

Abstract

According to Law No 21/ 2008, a Sharia Business Unit (SBU) owned by a Conventional Commercial Bank (CCB) is required to separate from its Parent Bank before 2023. Some Sharia Business Units have initiated a separation step from Conventional Commercial Bank. At the same time, they are required to keep the level of efficiency in running their business operations. This paper is intended to analyze the efficiency level of Sharia Business Units that have separated from its parent bank and compare the efficiency level before and after separation. The method used is Data Envelopment Analysis (DEA) and Paired Sample t-Test. T he results show that, based on the total average efficiency of all spin-off sharia banks (in this case four sharia banks namely BNI Sharia, BRI Sharia, BJB Sharia and Bukopin Sharia Bank), there is a decrease in technical efficiency and pure technical efficiency before and after the spin-off. This is a cost adjustment is needed in the early periods of spin-off. Sharia banks require a 'weaning' from their parents. Nevertheless, there is no statistically significant difference in the efficiency levels between before and after the spin-off. Abstrak:Menurut UU No 21/2008, Unit Bisnis Syariah (SBU) yang dimiliki oleh Bank Umum Konvensional (CCB) diharuskan untuk berpisah dari Induknya sebelum tahun 2023. Beberapa Unit Bisnis Syariah telah memulai langkah-langkah pembukaan dari Bank Umum Konvensional. Namun, mereka dituntut untuk menjaga tingkat efisiensi dalam menjalankan bisnisnya. Studi ini menganalisis tingkat efisiensi Unit Bisnis Syariah yang telah terpisah dari induknya dan kemudian membandingkan tingkat efisiensi sebelum dan sesudahnya. Metode yang digunakan adalah Data Envelopment Analysis (DEA) dan Paired Sample t-Test. Hasil penelitian ini menunjukkan bahwa berdasarkan total efisiensi rata-rata semua spin-off bank syariah (dalam hal ini empat bank syariah yaitu BNI Syariah, BRI Syariah, BJB Syariah dan Bank Syariah Bukopin), terdapat penurunan efisiensi secara teknis di bank syariah dari sebelum dan sesudah spin off. Hal ini terjadi karena pada periode awal spin-off, ada penyesuaian biaya pada spin-off bank syariah. Bank syariah membutuhkan 'penyapihan' dari orang tua mereka. Namun demikian, tidak terdapat perbedaan yang signifikan secara statistik dalam tingkat efisiensi antara sebelum dan sesudahnya. Hal ini dapat menjadi referensi bagi Unit Bisnis Syariah lainnya dalam mengambil keputusan untuk segera melakukan spin-off, tentunya disertai dengan perencanaan dan implementasi yang hati-hati dan bijaksana.
The Effect of Attitude and Knowledge on Saving Interest in Islamic Banks among Islamic Economics Students of Airlangga University with Religiosity as a Moderating Variable Lina Nugraha Rani; Muhammad Alvin Ramadhan
Airlangga Journal of Innovation Management Vol. 7 No. 2 (2026): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v7i2.89044

Abstract

This study aims to analyze the factors that influence the interest of Islamic Economics students at Airlangga University in saving at Islamic Banks. The sample used in this study were 92 respondents. This research uses quantitative methods, the analysis technique used is SEM PLS (Structural Equation Models Partial Least Square) with religiosity as a moderating variable. The results showed that religiosity statistically had no significant effect on students' interest in saving through Islamic banks. While attitude and knowledge have a positive and significant effect on students' interest in saving through Islamic banks. Religiosity cannot moderate attitude and knowledge on interest in saving through Islamic banks. These results indicate that the level of religiosity of students cannot determine the desire of students to save through Islamic Bank. Based on these results, this study can have implications for Islamic financial institutions, and other parties in order to collaborate in promoting and educating the public about investing and saving through social media and advertisements. This is important because the understanding of the general public, especially the younger generation, is still limited in investing or saving in the Islamic Bank.
Analysis of the Effect of NPF, CAR, and FDR on the Profitability of Sharia Commercial Banks in Indonesia for the Period 2017-2022 Lina Nugraha Rani; Fahrul Rozi
Journal of Islamic Economics Studies and Practices Vol. 5 No. 1 (2026): Juni
Publisher : Institut Agama Islam YPBWI Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54180/jiesp.2026.5.1.1-15

Abstract

This study examines the impact of Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), and Financing to Deposit Ratio (FDR) on the profitability of Islamic Commercial Banks in Indonesia during the 2017–2022 period. Using a quantitative approach, this research employs panel data regression analysis based on secondary data obtained from the financial statements of nine selected banks through purposive sampling. Profitability is proxied by Return on Assets (ROA), while NPF, CAR, and FDR serve as key financial indicators representing credit risk, capital adequacy, and liquidity, respectively. The findings reveal that partially, NPF and FDR have a significant negative effect on profitability, indicating that higher financing risk and suboptimal fund distribution reduce bank performance. Meanwhile, CAR shows a positive but statistically insignificant relationship with profitability, suggesting that capital adequacy alone does not directly drive profit generation. Simultaneously, all independent variables significantly influence profitability. These results highlight the importance of effective risk management, particularly in controlling non-performing financing and optimizing liquidity, to enhance the financial performance and stability of Islamic banking institutions.
FAKTOR-FAKTOR YANG MEMPENGARUHI NIAT WAKAF PRODUKTIF DALAM PEMBERDAYAAN PENYANDANG DISABILITAS Lina Nugraha Rani; Fetta Nabilatus Sa'adah; Binti Khusnul Hidayah
Airlangga Journal of Innovation Management Vol. 6 No. 1 (2025): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v6i1.63690

Abstract

The introduction or problem This study aims to analyze the factors influencing the intention to give productive waqf to support the lives of people with disabilities. This research employs a quantitative approach using primary data collected through the distribution of online questionnaires to 60 respondents. The obtained data were then analyzed using path analysis with SPSS 27 to determine the relationships between the variables. The findings of this study indicate that the information media variable has a significant positive influence on the intention to give productive waqf to empower persons with disabilities. This suggests that the more information and awareness people have about productive waqf and its benefits, the higher their participation in waqf donations. Meanwhile, the variables of public perception, religiosity, and income were found to have no significant influence on the intention to engage in productive waqf. The results of this study can serve as a reference for the government and the Indonesian Waqf Board (BWI) in developing more effective strategies to increase public participation in productive waqf. Disseminating information through online media such as social media and offline media such as brochures can be a strategic effort to raise public awareness. Future research is recommended to use qualitative methods by conducting interviews with economic and waqf experts, as well as persons with disabilities, to gain deeper insights into their perceptions of this empowerment program. 
Co-Authors Aam Rusydiana Aam S. Rusydiana Aam Slamet Rusydiana, Aam Slamet Abrista Devi Achsania Hendratmi Adelia Dwi Febrianti Ahmad Fadlur Rahman Bayuny Al Mustafa, Muhammad Ubaidillah Al Mustofa, Muhammad Ubaidillah Alfiah Hasanah Alief Fathomy Rahman Annisa, Fayza Syahwa Antonio Nikolas Manuel Bonar Simamora Binti Khusnul Hidayah Cindra Fitrianingsih Desy Reza Umami Dhea Rizqi Karisma Dita Amelia Dwi Putri Lestari Dwi Wulan Ramadani Eko Fajar Cahyono, David Kaluge Eko Kurniawan Elly Pusporani Erika Septiani Fahrul Rozi Fajar Fairuzy Sadrinata Farikhah, Kuni Fathomy Rahman, Alief Fatin Fadhilah Hasib Fetta Nabilatus Sa'adah Filianti, Dian FNU Cupian Hasib, Fatin Fadilah Hidayah, Binti Khusnul Ilmiawan Auwalin Ilyas Chaidir Rahmansyah Ilyas Chaidir Rahmansyah Imron Mawardi Irham Zaki Kuni Farikhah Kuni Farikhah Lailatul Ayuni Lina Marlina lina marlina, lina M. Fariz Fadillah Mardianto Mahmudah, Siti Nur Marhanum Che Mohd Salleh Muhamad Nafik Hadi Ryandono Muhammad Alvin Ramadhan Muhammad Ubaidillah Al Mustofa Muhammad Ubaidillah Al Mustofa Nafilatul Khusnah Ninda Ardiani Nisful Laila Norma Rosyidah Norma Rosyidah, Norma Nurrohmah, Zidni ‘Ilmatun Nurud Diana Syafaati Pertiwi, Tanza Dona Previan, Anggara Teguh Prilo Krisnu Pradana Puji Sucia Sukmaningrum Putri, Ferdiana Friska Rahmana Rahmansyah, Ilyas Chaidir Redy, Achdiar Rifka Mifta Aulia Rusmita, Sylva Alif Rusydiana, Aam S. Salina Kassim Samsul Arifin Septiani, Erika Siregar, Naufal Ramadhan Al Akhwal Siti Annita Otaviya Siti Nur Mahmudah Siti Zulaikha Sri Herianingrum Tika Widiastuti Ulfi Sasabel Chumairoh Varizqa, Adella Dwita Wheni Yeisa Wijayanti, Ida