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All Journal Jurnal Ekonomi Pembangunan IQTISHODUNA JEJAK Jurnal Ilmiah Mahasiswa FEB Journal of Indonesian Applied Economics Journal of Innovation and Applied Technology International Journal of Local Economic Governance PROFIT : Jurnal Administrasi Bisnis Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Global Review of Islamic Economics and Business Jurnal Ekonomi dan Bisnis Islam Al-Muzara'ah Journal of Socioeconomics and Development Amwaluna Jurnal Ekonomi dan Keuangan Syariah Jurnal Ilmiah Akuntansi dan Bisnis KAIBON ABHINAYA : JURNAL PENGABDIAN MASYARAKAT International Journal of Zakat (IJAZ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Jurnal Pengabdian kepada Masyarakat Nusantara Journal of Islamic Economics, Management, and Business (JIEMB) Jurnal Ekonomi dan Bisnis Digital (MINISTAL) Islamiconomic: Jurnal Ekonomi Islam Journal of International Conference Proceedings Jeksyah Journal of Business, Social and Technology Journal of Business on Hospitality and Tourism Journal of Development Economic and Social Studies (JDESS) Islamic Economics and finance in Focus (IEFF) JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Scientific Development Journal Multidisciplinary Indonesian Center Journal Global Economic, Social, and Development Review (GESDR) Referensi Islamika: Jurnal Studi Islam
Marlina Ekawaty
Department Of Economic, Faculty Of Economic Dan Business, Universitas Brawijaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Pengaruh CAR, BOPO, FDR, SIZE dan EBF terhadap NPF pada Bank Umum Syariah di Indonesia 2021-2025 Chairajidan Muhammad; Marlina Ekawaty
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 5 (2026): September
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i5.3152

Abstract

This study is motivated by the rapid growth of Islamic banking in Indonesia accompanied by a projected increase in the non-performing financing ratio according to S&P Global Ratings (2026), as well as persistent empirical inconsistencies and limited studies on the effects of bank size and equity-based financing on non-performing financing. This study aims to analyze the effects of capital adequacy ratio, operational efficiency, financing disbursement ratio, bank size, and equity-based financing on non-performing financing in Indonesian Islamic Commercial Banks over the period 2021–2025. A quantitative approach is employed using secondary data from quarterly financial reports of eight Islamic Commercial Banks selected through purposive sampling, yielding 160 panel observations. The analytical method used is panel data regression with Fixed Effect Model and Driscoll-Kraay Standard Errors. The results show that capital adequacy ratio and bank size have a significant negative effect on non-performing financing, while operational efficiency and equity-based financing have a significant positive effect. The financing disbursement ratio shows no significant effect on non-performing financing. These findings indicate that financing quality in Islamic Commercial Banks is influenced by capital adequacy, operational efficiency, bank size, and the characteristics of profit-sharing based financing, rather than by the level of financing disbursement alone. This study contributes to strengthening the empirical evidence on internal determinants of non-performing financing and carries implications for improving financing risk management in Islamic banking.
Waqf-Based Endowment Funds as a Sustainable Financing Model to Enhance University Education Quality in Indonesia Marlina Ekawaty; Ghifary Duyufur Rohman; Alvira Aina
Global Review of Islamic Economics and Business Vol. 13 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/grieb.2025.131-04

Abstract

Sustainable financing remains a significant challenge for higher education institutions in Indonesia as they strive to enhance educational quality and compete with leading global universities. One promising solution is the utilization of waqf-based endowment funds as a source of long-term financing. This paper aims to explore the financing and management models of waqf endowment funds to support the improvement of university education quality. The study examines the role of waqf endowment funds in creating a stable financial system and identifies the opportunities and challenges associated with implementing this model in Indonesia. To achieve these objectives, the research employs NVivo 12 qualitative data analysis software to systematically analyze relevant literature and data, allowing for the coding and categorization of themes related to waqf financing. The findings are expected to provide valuable insights for policymakers and universities regarding the governance of waqf endowment funds and how this model can be applied to advance infrastructure, research, and teaching in higher education institutions. Furthermore, this study highlights the importance of collaboration between the government, universities, and society to optimize waqf endowment funds as a sustainable economic resource that positively impacts the quality of national education in Indonesia.
UTAUT2 ADOPTION FACTORS AND INVESTMENT DECISIONS IN SHARIA SECURITIES CROWDFUNDING: THE MEDIATING ROLE OF INVESTMENT INTEREST Hamdan Fuadi; Marlina Ekawaty; Sri Muljaningsih
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 1 (2026): FEBRUARY
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i1.1072

Abstract

Sharia Securities Crowdfunding (SCF Syariah) is an emerging technology-based Islamic financing mechanism that expands investment opportunities and supports MSME financing. This study examines the effects of facilitating conditions, hedonic motivation, price value, and habit on investment interest and investment decisions through SCF Syariah in Indonesia. A quantitative approach was employed using data from 385 respondents selected through purposive sampling, comprising prospective and actual SCF Syariah investors. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM), with hypotheses evaluated at a 10% significance level. Facilitating conditions (β = 0.313; p < 0.001), hedonic motivation (β = 0.213; p < 0.001), price value (β = 0.134; p = 0.075), and habit (β = 0.265; p = 0.001) positively affect investment interest. Habit (β = 0.275; p < 0.001) and price value (β = 0.183; p = 0.001) positively affect investment decisions. Investment interest also positively affects investment decisions (β = 0.374; p < 0.001). The model explains 67.4% and 63.8% of the variance in investment interest and decisions, respectively. SCF Syariah platforms should strengthen facilitating conditions, user experience, perceived value, and habitual engagement, while regulators should enhance transparency and investor protection. Limitations include the cross-sectional design, omission of trust and perceived risk, and mixed prospective and actual investors. This study extends UTAUT2 to Indonesia’s SCF Syariah ecosystem by examining investment interest as a mediating mechanism linking technological factors to investment decisions.
Co-Authors Adela Putri Oktavia Agus Suman Ahmad Syaifudin Ajeng Kartika Galuh Al Jihad, Hizbullah Alghifary, Muhammad Syauqy Alvira Aina Aminnullah Achmad Muttaqin Aminullah Achmad Muttaqin Amrullah, Muhammad Angga Yanuar Triesmarandita Anggi Wahyu Muda Anggraini, Ika Khusnia Annisa Nur Rakhma Annisa Nurjannah Anugrah Pratama, Muhammad Akbar An’im Kafabih Arifiandy, Dicky Ridho Asfi Manzilati Atiqa Syaksena Azizi, Naurah Nadzifah Aziziah, Alvina Bela, Nabela Agustin Chairajidan Muhammad Damayanti, Silmi Annisa Debby Radina Herdiastiti Debby Radina Herdiastiti, Debby Radina Dewa Aditya Dwi Budi Santoso Dwi Budi Santoso Elok Nurlita Emy Sudarwati Fajrul Ihsan Fathurahman, Mochamad Arbi Ferry Prasetyia Fifi Bahril Wahdah Majid Galuh , Ajeng Kartika Galuh Husadatama Galuh Husadatama, Galuh Ghifary Duyufur Rohman Girindra Mega Paksi Gularso, Yhunas Adi Haliza Vita Humahira Hamdan Fuadi Hanafiansyah, Mochammad Rizki Hela, Syafina Iswan Noor Ittaqa Ramadhian Pranowo Jean Claire Nicolette Matatula Kafabih, An’im Kartika Sari Kartika Sari Khairani Miftahul Laily, Alfauzia Noer Rochmatul Lalu Suryadi S Misbakhul Munir Mochammad Rizki Hanafiansyah Mochammad Zainun Nafi'uddin Muda, Anggi Wahyu Muda, Anggi Wahyu Muhammad Amrullah Muhammad Amrullah Muhammad Muhyiddin Robani Multifiah . Munawar Ismail Napitupulu, Febiola Nely Novia Nely Novia Novia, Nely Nugroho, Gabryna Auliya Nurhayati, Yetty NURKARTIKASARI, RIZKY Nurlita, Elok Nurul Badriyah Panggabean, Krisfive Yanti Partin Nurdiani Partin Nurdiani, Partin Prayitno, Hengky S.H. Pudjihardjo Pudjihardjo Pudjihardjo, Pudjihardjo Puspitasari, Diyah Ayu Qodri, Lutfi Asnan Rahmadyanto, Bagus Rizaldi, Muhammad Santi Merlinda Setyo Tri Wahyudi Setyowati RN, Wahyu Retno Sri Muljaningsih Sri Muljaningsih Sumantri, Vietha Devia Sagita Susilo Susilo Susilo Susilo Syaksena, Atiqa Tabhina, Rafa Kayla Umar Burhan Wahyu Retno Setyowati RN Widiyanti, Dwi Retno Widya Rahmawati Yetty Nurhayati Yhunas Adi Gularso Yudi Arimba Wani, Yudi Arimba