Article Per Year (5 Year)
p-Index From 2021 - 2026
1.789
P-Index
This Author published in this journals
All Journal I-Finance Journal Jurnal Ilmiah Ekonomi Islam Tazkia Islamic Finance and Business Review al-Uqud : Journal of Islamic Economics ILTIZAM Journal of Sharia Economic Research Indonesian Journal of Economics Application (IJEA) Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Inovasi Global Journal of Innovative and Creativity IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita
Saiful Anwar
Institut Teknologi Dan Bisnis Ahmad Dahlan Jakarta
Agriculture, Biological Sciences & Forestry Humanities Astronomy Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Public Health Social Sciences Other

Published : 13 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 13 Documents
Search

 1   2 
Ending the Stick and Embracing the Carrot: The Middle Way of Spin-Off Policy in Indonesian Islamic Banking Sigit Pramono; Saiful Anwar; Adril Hakim; Aziz Budi Setiawan; Handi Risza; Gustofan Mahmud; Abdul Mujib Arijuddina
Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Vol. 13 No. 1 (2026)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jreksa.v13i1.14987

Abstract

The implementation of the P2SK Law has triggered debate over the mandatory spin-off of UUS from BUK into BUS. This study examines the arguments from both sides to identify potential areas of consensus. It finds that poor communication, particularly on the "purification" issue, has fueled disagreement. Consequently, stakeholders missed the chance to propose a voluntary spin-off mechanism to OJK. Such a proposal should be supported by affirmative government action to grow the Islamic banking sector. This study aims to critically integrate insights from literature and expert perspectives by examining competing arguments surrounding the spin-off policy to develop a robust and evidence-based direction for its optimal design and implementation. It employs a mixed methodology utilizing a structured literature review, in-depth interviews, and FGDs with key stakeholders selected through purposive sampling. The study also incorporates sentiment analysis and utilizes NVivo for thematic mapping and matrix coding. The findings reveal a high degree of discursive convergence between proponents and opponents, identifying the "Middle-Way Policy" as the primary area of consensus. The analysis shows that both groups align on the necessity of regulatory incentives ("carrots") and readiness-based criteria rather than forced compliance ("sticks") to ensure the sustainability and efficiency of the Islamic banking industry. This study recommends that the OJK needs to develop policies that reflect shared goals to expand the Indonesian Islamic banking market share. Importantly, it urges avoiding blanket mandatory spin-offs, as these may harm smaller UUS and unfairly burden regulators.
Blockchain Authentication Methods and Hadith Authentication Methods (Comparative Study) Akram Akram; Saiful Anwar
Jurnal Inovasi Global Vol. 3 No. 1 (2025): Jurnal Inovasi Global
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jig.v3i1.246

Abstract

Blockchain is a distribution system consisting of a set of blocks connected to each other using cryptographic technology. Each block consists of a set of information that is recorded in a decentralized manner and does not rely on one party to validate the transaction. Each block stores a reference to the previous block in the Block Chain network, any modifications or changes in one block will be immediately known because the changes are not contained in other blocks, this property is meant by distributed, known as DLT (Distributed Ledger Technology). The blockchain authentication method is a series of processes used to verify the validity of a transaction or information stored in the blockchain network. Similar to the blockchain, the hadith as the second source of law after the Qur'an, when conveyed by the Prophet Muhammad Saw to the companions (sahabah), the companion then distributed it to other companions not only the matan (the content of the hadith) but also the sanad (narrators). The authenticity of the hadith is maintained by the composition of the chain of narrators called sanad and the figure of the narrator who has the capability and is trusted to convey a hadith. This method is then known as decentralized and distributed information, which is the same information owned by many parties, so it is very difficult to make changes unless it changes all parties who receive the information (mutawatir). This research will compare the concepts of blockchain authentication methods and hadith authentication methods with a literature review approach.
Pengaruh Penilaian Tingkat Kesehatan Bank dengan Metode RGEC Terhadap Implementasi Green Banking pada Bank Umum Syariah di Indonesia Widya Risfika Utami; Saiful Anwar
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i3.5292

Abstract

  This study aims to determine the effect of bank health level assessment using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital) on the implementation of green banking at Islamic commercial banks in Indonesia during the period 2020-2022. The research method used is quantitative with purposive sampling technique, involving 12 Islamic commercial banks that publish annual reports. Multiple regression analysis was used to determine the relationship between the independent variables (NPF, GCG, ROA, and CAR) with green banking as the dependent variable. The results showed that the RGEC variables have a significant influence on the implementation of green banking. In particular, Capital Adequacy Ratio (CAR) shows the strongest influence among other variables such as Non Performing Finance (NPF), Good Corporate Governance (GCG), and Return on Assets (ROA). These findings emphasize the importance of risk management, good corporate governance, profitability, and capital adequacy in supporting environmentally friendly banking practices. Keywords: Green Banking, Islamic Commercial Bank, NPF, GCG, ROA, CAR ABSTRAK Penelitian ini bertujuan untuk mengetahui pengaruh penilaian tingkat kesehatan bank menggunakan metode RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) terhadap implementasi green banking pada bank umum syariah di Indonesia selama periode 2020-2022. Metode penelitian yang digunakan adalah kuantitatif dengan teknik purposive sampling, melibatkan 12 bank umum syariah yang menerbitkan laporan tahunan. Analisis regresi berganda digunakan untuk menentukan hubungan antara variabel independen (NPF, GCG, ROA, dan CAR) dengan green banking sebagai variabel dependen. Hasil penelitian menunjukkan bahwa variabel-variabel RGEC memiliki pengaruh signifikan terhadap implementasi green banking. Secara khusus, Capital Adequacy Ratio (CAR) menunjukkan pengaruh paling kuat di antara variabel lain seperti Non Performing Finance (NPF), Good Corporate Governance (GCG), dan Return on Assets (ROA). Temuan ini menekankan pentingnya pengelolaan risiko, tata kelola perusahaan yang baik, profitabilitas, dan kecukupan modal dalam mendukung praktik perbankan yang ramah lingkungan. Kata Kunci: Green Banking, Bank Umum Syariah, NPF, GCG, ROA, CAR  
Co-Authors Abdul Mujib Arijuddina Adril Hakim Akram Akram Anak Agung Monny Aryadi Djlantik Ascarya Ascarya Aziz Budi Setiawan Deni Nasri ellysa kurniati ENDRI ENDRI Firman Jofani Gustofan Mahmud Handi Risza Lisa Hanifah Lukman Lukman Luqmanulhakim Luqmanulhakim Mukhamad Najib Rifki Ismal Rifki Ismal Ronald Rulindo Sigid Eko Pramono Sigit Pramono Supriyandi Supriyandi Ulumuddin Nurul Fakhri Ulumuddin Nurul Fakhri Widya Risfika Utami