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All Journal JURNAL EKONOMI DAN BISNIS AIRLANGGA Falah : Jurnal Ekonomi Syariah Al Tijarah El-Barka: Journal of Islamic Economics and Business Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Jurnal Ekonomi dan Perbankan Syariah Disclosure: Journal of Accounting and Finance Islamiconomic: Jurnal Ekonomi Islam EKOBIS SYARIAH Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Ghoni, Muhammad Abdul
Universitas Al-Azhar
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Library & Information Science Social Sciences Other

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Penilaian Peforma keuangan Bank Syariah dengan Dupont Method (Studi BSM 2016-2020) Ghoni, Muhammad Abdul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021): 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.v6i2.2810

Abstract

In this article the method used to determine the financial performance of PT. Bank Syariah Mandiri is the Du Pont Method. Wich uses three ratios, namely Total Assets Turnover (TATO), Net Profit Margin (NPM), and Return On Investment (ROI). This study focuses on analyzing the financial performance of Bank Syariah Mandiri for the 2016-2020 period and looking at the comparison of financial performance of Bank Syariah Mandiri in the last 5 years. This study uses a quantitative descriptive approach, which describes the numerical data analysis results using quantitative analysis techniques. The following conclusions can be drawn: The highest Return On Investment occurred in 2019 at 1.140% and the lowest occurred in 2016 at 0.413%. In 2019 Return On Investment was above average, this shows that the company's performance in generating profits in that year was very good. The calculation of Return On Investment (ROI) from 2016 - 2020 shows that ROI is still fluctuating and less stable. This illustrates that the BSM merger decision in 2021 is the right decision when viewed from the financial performance.
The Sharia Business Model of The Housing Provident Fund (HPF) of Republic Of Indonesia Ghoni, Muhammad Abdul; Amelia, Shinta Kintarani; Beyti, Nurul
EKOBIS SYARIAH Vol. 8 No. 2 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i2.26201

Abstract

This study introduces a sharia model of the HPF of republic of Indonesia. since, the Housing Provision Fund promotes housing investment and enables early house purchase for individuals with low income. The aim of this paper is presently sharia business model of provident fund and its implementing strategies to reduce the population of those needing adequate housing of Indonesian. This paper operates an extensive literature review explains the existing of housing provident fund model based on the sharia principle. The Sharia-compliant business model of the provident fund in the Republic of Indonesia is a relatively new mechanism that operates based on the principles of Shariah. It is designed to be fair and strives to achieve the ultimate goals of Sharia by establishing the Housing Provident Fund (HPF). The implementation of the Sharia business model in the housing provident fund of the Indonesian government can be replicated in other Muslim countries. As far as we know, this research is the first in the literature to present a conceptual idea and model for the sharia business model of housing provident fund that complies with Sharia principles.
Integrating Economics and Spiritual Perspectives: Insights from the Writings of Imam Al-Ghazali Ghoni, Muhammad Abdul
Falah: Jurnal Ekonomi Syariah Vol. 11 No. 1 (2026): FEBRUARY
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v11i1.43161

Abstract

This paper employs qualitative content analysis as its methodological framework, focusing on the seminal works of Imam Al-Ghazali. The study examines central themes in Imam Al-Ghazali’s writings to clarify the influence of spirituality on economic thought. The findings indicate that Imam Al-Ghazali advocates for an economic system grounded in spiritual responsibility and the pursuit of both material and spiritual fulfillment. This study adopts a qualitative design to examine al-Ghazali’s primary writings on economic thought and spirituality, and the library research enabling scholars to explore the evolution of economic ideas within their intellectual and historical contexts. The results underscore the ongoing relevance of Imam  Al-Ghazali’s insights in current economic discourse and highlight the importance of balancing material success with spiritual development as a solution to the problems of modern economies, which often emphasize materialism. The analysis demonstrates that integrating spiritual values into economic practices can address contemporary challenges and promote social responsibility, exemplified by mechanisms such as zakah and shadaqah, which serve as means to balance economic activity with spirituality. The results implied that dialogue between spirituality and economics, as articulated by Imam Al-Ghazali, provides a critical foundation for establishing a just and balanced society amid modern challenges.
Co-Authors Amelia, Shinta Kintarani Ariza, Kemal Beyti, Nurul Jaelani, Abdul Qadir Maksum, Asep Muhammad Istan, Muhammad Muhammad Taufiq Affandi Mutiara, Rahma Permata, Citra Puspa Syafei, Ade Wirman Yosita Nur Wirdayanti Yunus, Noor’ain Mohamad