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All Journal Jurnal Konseling dan Pendidikan JEBI (Jurnal Ekonomi dan Bisnis Islam) Maqdis: Jurnal Kajian Ekonomi Islam Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
Ade Sofyan Mulazid
Universitas Islam Negeri Syarif Hidayatullah Jakarta
Economics, Econometrics & Finance Education

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ANALISIS PENGARUH DANA PIHAK KETIGA, NON PERFORMING FINANCING, CAPITAL ADEQUACY RATIO, MODAL SENDIRI DAN MARJIN KEUNTUNGAN TERHADAP PEMBIAYAAN MURABAHAH RATU VIEN SYLVIA AZIZA; ADE SOFYAN MULAZID
JEBI (Jurnal Ekonomi dan Bisnis Islam) Vol 2, No 1 (2017): Januari - Juni 2017
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/jebi.v2i1.63

Abstract

The theme of the article is "economy based on the principles of Islam". This study aims to determine the effect review Third Party Fund (DPK), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Equity and Operating Profit Margin simultaneous or partial Against AT Murabahah Islamic Banks in Indonesia Period 2011-2015, There are nine samples hearts Research singer Yang meet Namely Research Criteria Bank BCA Syariah, BJB Syariah, BNI Syariah, BRI Syariah, Bank Syariah Mandiri, Bukopin Syariah, Bank Muamalat, Panin Syariah, Islamic Victoria. The analysis tool used panel data regression analysis. Model Chosen Was Random Effect Model The tested with F test and t test, with 5% significance. Based on the findings of the test F known that DPK, NPF, CAR, Equity and Operating Profit Margin Financing Murabahah simultaneously affect Against AT Islamic Banks. Based on t test known that Equity and Profit Margin effect against Murabahah, DPK, CAR and influential Against NPF not on Murabahah Commercial Bank Syariah.
ANALYZE THE EFFECT OF THIRD PARTY FUND (TPF), NON-PERFORMING FINANCING (NPF), FINANCING TO DEPOSIT RATIO (FDR) AND PROFIT MARGIN ON MURABAHAH FINANCING OF SHARIA COMMERCIAL BANK PUTRI SAULA HASNADINA; ADE SOFYAN MULAZID
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i1.206

Abstract

The purpose of this study is to analyze the effect of each variable, Deposits of Third Party Fund (TPF) (X1),Non-Performing Financing (NPF) (X2), Financing to Deposit Ratio (FDR) (X3) and Profit Margin (X4)on Murabahah Financing (Y1). The population of this study was conducted on eleven Sharia CommercialBanks in Indonesia, namely Bank Muamalat, Bank Victoria Syariah, Bank BRI Syariah, Bank BNI Syariah,Bank Syariah Mandiri, Bank Syariah Mega Indonesia, Bank Panin Syariah, Bank Syariah Bukopin, BankBCA Syariah and Bank Maybank Syariah Indonesia. The sample taken was the annual financial reportfor five periods, namely 2011-2015 periods. The analysis technique used panel data regression analysis wastested by F-test and T-test, with a significant value of 5%. Based on the results of the T-test and F-test, it canbe known that TPF, FDR and Profit Margin simultaneously have a significant positive effect and the NPFpartially have no effect of murabahah financing on Sharia Commercial Banks. Adjusted R Square value of0.275352 indicates that the independent variable could give effect the dependent variable of 0.000429%.
FACTORS AFFECTING RETURN ON ASSETS IN SHARIA COMMERCIAL BANKS ADE SOFYAN MULAZID; REDHO AFRIANDI; HERNI ALI HT
Maqdis: Jurnal Kajian Ekonomi Islam Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/maqdis.v4i1.484

Abstract

This study aimed to analyze the influence partially between non - performing financing (NPF) on return on assets, the financing to deposit ratio on the return on assets, the debt financing on return on assets, the equity financing to return on assets in sharia commercial banks. In addition, to analyzed partially the effect of operational efficiency ratio on return on assets, between net core operating margin on return on assets, and simultaneous influence between non-performing financing, deposit financing ratio, debt financing, equity financing, operational efficiency ratio and net core operating margin on return on assets at sharia commercial banks. Data processing method used by the researcher was multiple regression analysis. The data obtained is secondary data based on financial reports on sharia commercial banks within six years. The results of this study indicate that there are simultaneous effects on variables (non-performing financing, financing to deposit ratio, debt financing, equity financing, operational efficiency ratio and net core operating margin) on return on assets.
Behavioral dynamics of halal cryptocurrency investing: cognitive and emotional mechanisms within islamic finance principles M. Syukri; Ade Sofyan Mulazid; M. Agung Rahmadi; Luthfiah Mawar; Helsa Nasution; Nurzahara Sihombing
Jurnal Konseling dan Pendidikan Vol. 13 No. 4 (2025): JKP
Publisher : Indonesian Institute for Counseling, Education and Therapy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/1201700

Abstract

This study comprehensively investigates the influence of cognitive biases, emotions, and Islamic legal understanding on halal cryptocurrency investment decisions among Muslim investors. Employing a Meta-Structural Equation Modeling (MASEM) approach, the analysis is based on data from 12,780 respondents in Muslim-majority countries to identify patterns of relationships among key variables. The primary findings of this research affirm that overconfidence has a significant positive impact on investment intention (β = 0.41, p < 0.01), consistent with Shiller (2017), who highlighted that excessive confidence can drive risk-taking behavior in financial markets. Conversely, loss aversion demonstrates a significant negative effect (β = -0.53, p < 0.01), aligning with Kahneman and Tversky's (2013) findings regarding preferences for avoiding losses under uncertainty. Regarding emotional factors, anxiety about price volatility is a major deterrent to investment (β = -0.54, p < 0.01). However, a Sharia-compliant label mitigates negative perceptions among Muslim investors toward cryptocurrency investments, enhancing their sense of security and trust (β = 0.36, p < 0.05). Lastly, understanding Islamic law significantly influences confidence in halal investments (β = 0.39, p < 0.05), corroborating the findings of El-Gamal (2006) and Din (2021) while underscoring the importance of Sharia-based financial literacy. The novelty of this study lies in its multidimensional integration of psychological behavior (cognitive biases and emotions) and Islamic law, thereby expanding the horizons of prior research. Consequently, this research contributes to the foundation of a new construct and provides practical guidance for developing Sharia-compliant financial products in the digital era.
ESG Integration in Sharia Investment: A Maqāṣid Al-Sharī'ah Perspective on Sharia Mutual Fund Portfolios in Indonesia Sholikul Hadi; Ade Sofyan Mulazid; Yudi Permana; Abdul Hakim; Dewi Kurniasari; Meirani Rahayu Rukmanda; Rio Kartika Supriyatna
Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Vol 13, No 1 (2026): January-June
Publisher : Faculty of Sharia (Islamic Law) at Fatmawati Sukarno State Islamic University Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v13i1.8995

Abstract

: Despite the rapid growth of sustainable finance, the Islamic jurisprudential status of Environmental, Social, and Governance (ESG) integration in Sharia-compliant mutual funds remains unresolved. Existing scholarship treats ESG–Sharia compatibility as a matter of thematic alignment rather than legal obligation, leaving fund managers and regulators without a normative framework grounded in Islamic legal reasoning. This study addresses that gap by determining the ḥukm taklīfī governing ESG integration in Indonesian Sharia mutual funds. A mixed-methods design is embedded within an uṣūl al-fiqh analytical framework. Quantitatively, Pearson correlation and simple linear regression are applied to ten Sharia mutual funds listed on the Indonesia Stock Exchange (2019–2024); qualitatively, in-depth interviews with fund managers, Sharia supervisory board members, and capital market regulators are supplemented by a questionnaire administered to 210 retail investors. Empirical findings serve as the maṇāṭ (operative cause) for a three-stage istinbāṭ sequence: taḥqīq al-maṇāṭ, takyīf al-waqāʾīʿ, and takhrīj al-ḥukm. ESG-integrated Sharia funds generate superior risk-adjusted performance (annualised returns of 8.5–9.7%, Sharpe ratios > 1.10) relative to non-ESG Sharia funds (7.0–7.5%; Sharpe ratio ≈ 0.90), confirming ESG integration as consistent with ḥifẓ al-māl. Subjecting these findings to maqāṣid al-sharīʿah analysis — incorporating Ibn ʿĀshūrʿs articulation of ḥifẓ al-bīʿah alongside the maxims lā ḍarar wa lā ḍirār and darʼ al-mafāsid muqaddam ʿalā jalb al-maṣāliḥ — the study derives a graduated ruling: ESG integration is mandūb as a baseline and attains wājib kifāʼī where conventional Sharia screening demonstrably fails to prevent verifiable environmental or social darar. The governance pillar is already operationally embedded within existing Sharia oversight structures; social screening remains partial and requires extension from exclusionary toward positive maqāṣid-oriented assessment; and environmental integration generates a collective institutional obligation to develop the requisite data infrastructure. The study makes an original contribution to Islamic investment jurisprudence (fiqh al-istithmār) as the first to apply a complete uṣūl al-fiqh derivation to ESG integration in Sharia mutual funds, advancing a juristic proposal for a national Sharia-ESG fatwa framework to be coordinated by DSN-MUI and OJK.
Co-Authors Abdul Hakim Desmadi Saharuddin Dewi Kurniasari Helsa Nasution HERNI ALI HT Inayatul Chusna Luthfiah Mawar M. Agung Rahmadi M. Syukri Meirani Rahayu Rukmanda Meirison Meirison Nurzahara Sihombing PUTRI SAULA HASNADINA RATU VIEN SYLVIA AZIZA Redho Afriandi Rio Kartika Supriyatna Sholikul Hadi Yudi Permana