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All Journal Kodifikasia: Jurnal Penelitian Islam MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Al-Tsaqafa: Jurnal Ilmiah Peradaban Islam El-Barka: Journal of Islamic Economics and Business ACTIVA: Jurnal Ekonomi Syariah Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Journal of Islamic Economics and Finance Studies IJOIS: Indonesian Journal of Islamic Studies Journal of Islamic Economics and Philanthropy Invest Journal of Sharia & Economic Law Etihad: Journal of Islamic Banking and Finance Journal of Islamic Economics Abdimas Indonesian Journal Indonesian Journal of Islamic Economics and Finance Journal of Economics and Social Sciences INASJIF Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Amaluna: Jurnal Pengabdian Masyarakat
Rizal, Fitra
Institut Agama Islam Negeri Ponorogo
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences Other

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Pengaruh Pembiayaan Murabahah dan Financing to Debt Ratio terhadap Profitabilitas yang dimoderasi oleh Non Performing Financing pada BTPN Syariah Febrilyantri, Candra; Amah, Nik; Rizal, Fitra
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol. 5 No. 2 (2023)
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v5i2.3885

Abstract

Murabahah financing is the most preferred financing option among customers due to its low risk and its versatility for working capital, consumption, or investment purposes. However, there is a phenomenon observed in BTPN Shariah where the increase in Murabahah financing is not accompanied by a rise in profits. Furthermore, the lack of profit increase is suspected to be due to the low Financing to Debt Ratio (FDR). This research aims to understand how Murabahah financing and FDR influence the profitability of Islamic banks, with Non-Performing Financing (NPF) acting as a moderator. The research sample includes quarterly reports from BTPN Shariah for the period 2015-2022, using purposive sampling techniques. The study utilizes SPSS 25 for analysis, including multiple linear regression,and Moderating Regression Analysis (MRA). The test results indicate that Murabahah financing, when considered individually, has an impact on profitability, whereas the Financing to Debt Ratio does not affect profitability. When both Murabahah financing and FDR are considered together, they collectively influence profitability with a percentage of 71.2% before moderation by NPF. The MRA results suggest that Non-Performing Financing is unable to moderate the impact of the two independent variables, namely Murabahah financing and FDR, on profitability.
The Utilization of Social Media as a Digital Marketing Tool for Strengthening the Local Economy in Kesugihan Village, Ponorogo Rizal, Fitra; Izzati, Syafira Khairina; Mashadi, Naufal Hisyam
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.1084

Abstract

This study aims to analyze the utilization of social media as a tool for digitizing the profile and promoting Kesugihan Village, Pulung District, Ponorogo Regency. The background of this research is the suboptimal use of social media at the village level, despite its significant potential to expand audience reach at a low cost. This study employs a descriptive qualitative method, with data collected through interviews, observations, documentation, and secondary sources. The findings indicate that Kesugihan Village possesses competitive advantages in the agricultural sector, micro, small, and medium enterprises (MSMEs), and tourism, particularly through activities at Sanggar Loka Sekar Wilis. The main challenges include low digital literacy and the absence of structured marketing strategies. Social media platforms, such as Instagram, Facebook, and TikTok, have proven effective in presenting village profiles, promoting local products, and attracting tourists, mainly when supported by training, mentoring, and the establishment of a digital promotion team. In conclusion, a consistent and well-directed social media strategy can expand market reach, enhance the competitiveness of local products, and foster sustainable economic development in the village.
Value-Based Intermediation in Islamic Finance in Malaysia: An Overview on Strategy, Issues and Challenges Mohd Yunus, Saidatolakma; Rizal, Fitra
Etihad: Journal of Islamic Banking and Finance Vol. 5 No. 2 (2025)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v5i2.12275

Abstract

Introduction: This study looks into how Value-Based Intermediation (VBI) is framed and implemented in the context of Islamic finance in Malaysia, especially through the efforts of Bank Negara Malaysia (BNM). VBI, which was introduced by BNM in 2017, is an initiative that aims to bring Islamic banking back to its original ethical foundations. It focuses on achieving the higher objectives of Shariah (Maqasid al-Shariah) by promoting practices that generate real, positive impact on the economy, society, and environment without sacrificing financial performance. Research Methods: The research uses qualitative methods, mainly by analysing documents such as the VBI strategy paper and other related guidelines issued by BNM. Results: The study identifies the VBIAF and VBI Scorecard as key instruments that support the integration of value-based principles in Islamic financial institutions. Despite this progress, challenges remain, particularly in shifting the industry’s profit-oriented mindset. The findings also confirm that VBI aligns closely with Maqasid al-Shariah and the United Nations Sustainable Development Goals (SDGs). Conclusion: The study highlights VBI’s potential to transform Malaysia’s Islamic finance landscape toward a more sustainable, value-driven, and impactful system.
Co-Authors Adella, Salma Nauval Angrum Pratiwi Dedy Mainata Dhimas Haryo Prayoga Diah Ayu Rosanti Diah Ihdini Amalia Endriana Nur Anggrahini Erika Mega Wahyu Andini Febrilyantri, Candra Haniatul Mukaromah Humaidi, Muchtim Ida Ayu Putu Sri Widnyani Izzati, Syafira Khairina Kumalasari, Marta Della Mashadi, Naufal Hisyam Mohd Yunus, Saidatolakma Mukaromah, Haniatul Mutiara, Nanda Nik Amah Nur Farichan, Mu’aifi Prihayatni, Enfila Putri, Elma Agistiana Rofiqo, Azidni Zainul Ihrom, Mohammad