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All Journal Jurnal Siasat Bisnis Jurnal Penelitian Pendidikan Guru Sekolah Dasar Gadjah Mada International Journal of Business Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Kubik Jurnal Ekonomi Syariah Teori dan Terapan Al-Ihkam: Jurnal Hukum dan Pranata Sosial Global Review of Islamic Economics and Business Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Perisai : Islamic Banking and Finance Journal Economica: Jurnal Ekonomi Islam al-Uqud : Journal of Islamic Economics Al-Muzara'ah Jurnal Ekonomi & Keuangan Islam AFEBI Islamic Finance and Economic Review Muqtasid: Jurnal Ekonomi dan Perbankan Syariah MALIA Journal of Innovation in Business and Economics Amwaluna Jurnal Ekonomi dan Keuangan Syariah Journal of Islamic Monetary Economics and Finance PREPOTIF : Jurnal Kesehatan Masyarakat SEMAR KUBIK: Jurnal Publikasi Ilmiah Matematika Share: Jurnal Ekonomi dan Keuangan Islam BISMA (Bisnis dan Manajemen) Journal of Islamic Economic Literatures International Journal of Waqf Review on Islamic Accounting Islamic Social Finance Jurnal Riset Mahasiswa Matematika Islamic Economics Methodology Jurnal Abdimas Jatibara Fara'id and Wealth Management Maqasid al-Shariah Review Management and Sustainability Accounting and Sustainability Business and Sustainability IEFBR: Islamic Economics, Finance, and Banking Review Journal of Research on Community Engagement Prismatika: Jurnal Pendidikan dan Riset Matematika
Nisful Laila
Faculty Of Economic And Business, Airlangga University
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Analysis of Factors That Influence Students' Investment Intentions towards Retail Sukuk in Pekanbaru Riau Desi Novera Danur; Nisful Laila; Fitria Nurma Sari
Islamic Economics, Finance, and Banking Review Vol. 3 No. 2 (2023): December
Publisher : Universitas Ahmad Dahlan

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Abstract

The development of sharia finance has experienced significant developments in the last decade, especially retail sukuk which is proclaimed to be an alternative sharia investment that directly contributes to funding state infrastructure. This research aims to investigate the determinants of investment intentions which are measured using several variables, including product knowledge, investment understanding and sharia compliance. In addition, this research analyzes how these three variables influence investment intentions with risk as a moderating variable. This research used primary data from 90 respondents who were students at Sultan Syarif Qasim University Riau and Muhammadiyah University Riau. The analytical test tool used is SmartPLS 3.0 with the SEM-PLS (Structural Equation Model – Partial Least Square) analysis method. The results of this research show that investment knowledge and sharia compliance have a significant effect on investment intentions. Furthermore, this research also reveals that investment knowledge has no effect on investment intentions in retail sukuk. Furthermore, the research results explain that the risk variable does not moderate investment understanding of investment intentions. Meanwhile, the risk variable moderates the relationship between sharia compliance and investment intentions. The results of this research emphasize that the government through sharia financial institutions and academics must prioritize increasing investment knowledge and sharia compliance in order to encourage retail sukuk investment intentions in Pekanbaru.
Nexus between Sharia Governance and Financial Performance: Evidence from Indonesian Islamic Banking Hijriah, Hanifiyah Yuliatul; Kholidah, Himmatul; Alkausar, Bani; Laila, Nisful; Al Mustofa, Muhammad Ubaidillah
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 13 No. 1 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i1.20233

Abstract

ABSTRACT – This study critically evaluates the effectiveness of Islamic governance on the financial performance of Islamic banks in Indonesia. Due to the absence of regulations defining optimal Sharia Supervisory Board (SSB) structure and qualifications, the research explores the empirical relationship between SSB characteristics and financial performance. Using a quantitative approach, the study analyzes data from 14 Islamic banks over a seven-year period (2014-2020). Multiple regression analysis reveals that SSB size, educational background, and financial/accounting expertise have minimal impact on financial performance. Interestingly, cross-membership on SSBs is found to have a negative effect. These findings, coupled with the observation of SSBs often lacking banking and finance backgrounds, suggest a potential disconnect between Sharia governance and managerial activities. The study advocates for clear and comprehensive regulations to strengthen SSB composition and competence, ultimately promoting the sustainable development of Islamic banking in Indonesia.========================================================================================================ABSTRAK – Hubungan Antara Tata Kelola Syariah dan Kinerja Keuangan: Bukti dari Perbankan Syariah Indonesia. Studi ini secara kritis mengevaluasi efektivitas tata kelola Syariah terhadap kinerja keuangan perbankan syariah di Indonesia. Mengingat belum adanya peraturan yang mengatur struktur minimum dan kualifikasi optimal Dewan Pengawas Syariah (DPS), penelitian ini bermaksud mengkaji secara empiris empiris hubungan antara karakteristik DPS dan kinerja keuangan. Dengan menggunakan pendekatan kuantitatif, penelitian ini menganalisis data dari 14 bank Islam selama tujuh tahun (2014-2020). Hasil analisis regresi berganda menunjukkan bahwa ukuran DPS, latar belakang pendidikan, dan keahlian keuangan dan akuntansi kurang memiliki dampak terhadap kinerja keuangan perbankan syariah. Menariknya, cross-membership pada DPS ditemukan memiliki efek negatif. Temuan ini, ditambah dengan pengamatan terhadap DPS yang seringkali tidak memiliki latar belakang perbankan dan keuangan, menunjukkan potensi keterputusan antara tata kelola Syariah dan aktivitas manajerial. Studi ini merekomendasikan adanya peraturan yang jelas dan komprehensif untuk memperkuat komposisi dan kompetensi DPS, yang pada akhirnya mendorong pengembangan bank syariah yang berkelanjutan di Indonesia.
Waqf Development for Responsible Consumption and Production Rusydiana, Aam Slamet; Sukmana, Raditya; Laila, Nisful; Ali, M. Mahbubi
Fara'id and Wealth Management Vol. 3 No. 2 (2023): Fara'id and Wealth Management
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/fwm.v3i2.374

Abstract

The discussion on responsible consumption and production is summarized in the twelfth SDGs goal. On the other hand, waqf is an instrument of Islamic social funds that has a sustainable nature and has the relevance of waqf to the SDGs, so it has the potential to be developed in its role in responsible consumption and production and its impacts. This study seeks to see the waqf development model that is relevant to the goals of the SDGs by determining the priority of the waqf model that can be applied in Indonesia which is in line with the objectives of SDG-12. The results of the study indicate that the Waqf & ZIS model is the right model to support the achievement of the twelfth goal of the SDGs, namely responsible consumption and production. This study also proposes a waqf-based waste management system that is suitable for this purpose.
THE EFFECT OF FINANCIAL PERFORMANCE ON THE RISK OF BANKRUPTCY OF ISLAMIC COMMERCIAL BANKS IN INDONESIA (USING THE MODIFIED ALTMAN Z-SCORE METHOD FOR THE PERIOD 2011-2017) Afiqoh, Luluk; Laila, Nisful
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 4 No. 2 (2018): JULI-DESEMBER 2018
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (643.151 KB) | DOI: 10.20473/jebis.v4i2.10757

Abstract

This research aims to find out the influence of financial performance measured using the Capital Adequacy Ratio variable, Financing to Deposit Ratio, Leverage, Bank Size, Loan to Asset Ratio and Return on Assets to the risk of sharia bank bankruptcy in Indonesia calculated using the Altman Z-Score method Modification. This study uses a quantitative approach with panel data regression analysis techniques. The results of this study show partially the variable Capital Adequacy Ratio, Financing to Deposit Ratio, Bank Size has a significant positive effect, the variable Loan to Asset Ratio Leverage has a significant negative effect, and Return on Asset has a positive and insignificant effect. Nevertheles the variable Capital Adequacy Ratio, Financing to Deposit Ratio, Leverage, Bank Size, Loan to Asset Ratio and Return on Asset have a significant effect on the value of Altman Z-Score as a measure of the risk of bankruptcy in Islamic commercial banks in Indonesia.Keywords: Financial Performance, Islamic Commercial Bank, Risk of Bankruptcy, Altman Z-Score Modification
M&A Efficiency Islamic Bank Pre-Merger Analysis: Does Control Covid-19 Matter? Sri Yayu Ninglasari; Nisful Laila; M. Fikri Himmawan
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.8165

Abstract

Analysis of pre-mergers is important to do as an effort for Islamic banks to increase competitiveness. This study aims to analyze the determinants of the efficiency of pre-merger Islamic banking in Indonesia. This study uses a quantitative research design through the two-stage banking data envelopment analysis (DEA) model. The input variables for the first stage are third party funds (DPK), operational costs (BIOP), total financing (TFIN), and the output variables are operating income (PENDOP), total assets (TASSET). Then in the second stage with multivariate tobit regression, using the dependent variable the efficiency score obtained through the results of the first stage and in the first model the independent variables are total assets, bank size, ROA, NPF, CAR and then measurements are made on additional Covid-19 controls for the second model. The results showed that total assets, bank size, ROA, and CAR significantly affected efficiency scores. NPF has no significant effect. The second model with the Covid-19 control variable produced a more substantial empirical model influence than non-control Covid-19. Overall, the performance of Islamic commercial banks increased until the fourth quarter of 2020, seen from the improving quality of financing, which was also marked by the decline in NPF and quite good intermediation. Limitations of this study include the limited update of the Covid-19 control data.
PENGARUH PEMAHAMAN WRITING MATHEMATICS MAHASISWA DALAM MENGKOMUNIKASIKAN SUATU BUKTI PERNYATAAN DALAM MATEMATIKA Nisfulaila, Intan
Prismatika: Jurnal Pendidikan dan Riset Matematika Vol. 3 No. 2 (2021): Prismatika: Jurnal Pendidikan dan Riset Matematika
Publisher : Universitas Insan Budi Utomo

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Abstract

The ability to write and communicate Mathematical texts is needed to get a complete of understanding of a material in Mathematics. The ability to write good and correct Mathematics texts can be used as an indication that the writer is not only memorizing but also understanding what is being written and can be used as a measure that the writer understands the storyline that is conveyed to the reader. However, there are still many meaningless sentences and inappropriate use of Mathematical symbols. This can lead to misconceptions and the assumption that what is conveyed is correct according to the rules. In this study, data analysis was carried out qualitatively to review how much change in writing mathematics skills has occurred after a group of students received technical guidance. The results of data analysis and evaluation show that the ability to understand the rules of writing mathematics has an effects in communicating or creating proof of mathematical statements, although qualitatively the changes are not too significant.
MODUL WEYL SEBAGAI REPRESENTASI GRUP SIMETRI DARI PEWARNAAN SUATU GRAF Nisfulaila, Intan
Prismatika: Jurnal Pendidikan dan Riset Matematika Vol. 4 No. 2 (2022): Prismatika: Jurnal Pendidikan dan Riset Matematika
Publisher : Universitas Insan Budi Utomo

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Abstract

This research identifies the properties of Weyl module which had some similar properties with Specht module. Specht module as an irreducible representation of permutation module for some partition ???? of ???? has some contribution to determine the chromatic polynomial of bracelet graph with ???? colors. Due to the similarity, we had identify the application of the Weyl module properties as a representation of symmetric group of ???? colors in coloring bracelet graph so it can be used to determine the chromatic polynomial. The identification results show that although the determination of the dimensions of the Weyl module was similar to the determination of the dimensions of the Specht module, the results of the determination of these dimensions did not necessarily play a role in determining the number of coloring some graph.
Pendampingan Instrumentasi SROI kepada LAZ Yatim Mandiri untuk Mengukur Dampak Sosial-Ekonomi-Spiritual Program Breeding dan Fattening Domba Sulistya Rusgianto; Tika Widiastuti; Noven Suprayogi; Eko Fajar Cahyono; Al Marifatul A'la; Nisful Laila; Puji Sucia Sukmaningrum; Eka Puspa Dewi; Nikmatul Atiya; Shafana Putri Sambas; Chorista Fitriani
SEMAR (Jurnal Ilmu Pengetahuan, Teknologi, dan Seni bagi Masyarakat) Vol 14, No 1 (2025): Mei
Publisher : LPPM UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/semar.v14i1.96450

Abstract

Kegiatan pengabdian masyarakat ini bertujuan memberikan pendampingan Lembaga Amil Zakat Nasional (LAZNAS) Yatim Mandiri dalam meningkatkan kemampuan mengevaluasi dampak sosial-ekonomi-spiritual program breeding dan fattening domba menggunakan metode Social Return on Investment (SROI). Tahapan kegiatan meliputi: (1) koordinasi awal untuk menyusun instrumen SROI; (2) Focus Group Discussion (FGD) dengan LAZNAS Yatim Mandiri guna menggali informasi terkait program; (3) pendampingan penyusunan instrumen SROI; (4) pendampingan evaluasi lapangan untuk pengumpulan data; dan (5) pendampingan penghitungan dampak sosial-ekonomi menggunakan metode SROI. Melalui program ini, Yatim Mandiri berhasil mengembangkan instrumen evaluasi SROI yang relevan dan efektif dalam mengukur dampak program. Hasil evaluasi menunjukkan bahwa rasio SROI program ini mencapai 5,42, yang berarti setiap Rp1 yang diinvestasikan menghasilkan manfaat ekonomi dan sosial senilai Rp5,42. Kegiatan ini tidak hanya memberikan gambaran nyata dampak sosial-ekonomi yang dihasilkan oleh program, tetapi juga memperkuat kapasitas LAZ Yatim Mandiri dalam menyusun dan mengevaluasi program secara mandiri di masa depan. Pendampingan ini diharapkan menjadi model strategis dalam pengelolaan program zakat berbasis pemberdayaan masyarakat yang terukur dan berkelanjutan.
Profit-Loss Sharing in Islamic Banking: Global Insights from a Systematic Review Mohammad Hatta Fahamsyah; Nisful Laila; Adrianna Syariefur Rakhmat; Malik Shahzad Shabbir
Economica: Jurnal Ekonomi Islam Vol. 14 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2023.14.2.26021

Abstract

Islamic banking emerged as a response to the limitations of interest-based financial systems, offering alternative models rooted in Shariah principles—chief among them the profit-and-loss sharing (PLS) mechanism. This study re-examines the implementation of PLS in Islamic banks, identifying key challenges and outlining directions for future research within the framework of Shariah-compliant financial practices. Employing a systematic literature review of Scopus-indexed journal articles, the study compares theoretical foundations and empirical evidence surrounding PLS applications in contemporary Islamic banking. Findings indicate that PLS practices remain only partially aligned with Shariah principles, constrained by insufficient regulatory oversight, heightened credit risk, and moral hazard concerns. The study also identifies critical gaps in community awareness and operational management, underscoring the need for product innovation, stronger governance structures, and targeted educational initiatives. These insights point to three strategic priorities for stakeholders: enhancing governance to mitigate moral hazards, integrating macroeconomic policy support to improve PLS scalability, and expanding public education to close knowledge gaps. Together, these measures can support a more sustainable, equitable, and competitive Islamic banking sector.
Co-Authors - Dewikarina A.A. Ketut Agung Cahyawan W Aam Rusydiana Aam Slamet Rusydiana Aam Slamet Rusydiana Aam Slamet Rusydiana, Aam Slamet Adrianna Syariefur Rakhmat Afifatun Ni’mah Afiqoh, Luluk Al Amiri Octadianto Al Marifatul A'la Al Mustofa, Muhammad Ubaidillah Ali, M. Mahbubi Ali, Mohammad Mahbubi Alin Nuhadilah Alissa Azmul Faoziyyah Annisa Aulia Safitri Annisa Ayusaleha Ari Widodo Arwani Arwani Ascarya Ascarya Aslan, Hakan Atina Shofawati, Atina Ayu Dwi Rukmana Aziza Hanifa Khairunnisa Bani Alkausar, Bani bayram, kamola Bayu Arie Fianto Belgiawan, Prawira Fajarindra Bin Mohd Dali, Nuradli Ridzwan Shah Bunga Aprigati Iskandar Chandra Ari Haryanto Chandra Ari Haryanto, Chandra Ari Choirum Miha Chorista Fitriani Dahayu Bethari Widyandri Desi Novera Danur Desi Sulfa Ningtias Dewi Karina, Dewi Dina Fitrisia Septiarini, Dina Fitrisia Doni Kurniawan Doni Kurniawan Dwi Wulan Ramadani Eka Puspa Dewi Eko Fajar Cahyono, David Kaluge Evania Herindar Fadlilatun Ni'mah Fahamsyah, Mohammad Hatta Fahamsyah, Mohammad Hatta Ferica, Michelle Filianti, Dian Fitria Nurma Sari Gianissa Pandu Islamy Gigih Prihantono Hadi, T. Saipul Hanifiyah Yuliatul Hijriah, Hanifiyah Yuliatul Herwindo Ghora Nidityo Herwindo Ghora Nidityo, Herwindo Ghora Hikmah Maulidiyah Ibrahim, Mochammad Malik Idzal Dwi Nantyah Imron Mawardi Indah Rahmawati Irham Zaki Islamy, Gianissa Pandu Ivani Ramadhanti Jannah, Shahnaz Latifatul Jayanti, Septia Dwi Kholidah, Himmatul KP Prabheesh Lia Auliah Rachmah M. Fikri Himmawan M. Madyan Malik Shahzad Shabbir Martien Rachmawati Martien Rachmawati, Martien Maslihatul Bisriyah Maulida, Syahdatul Mayangsari, Lidia Meidina Ana Ogie Moh. Nasih Mohammad Nafie Jauhari Muhammad Madyan, Muhammad Nadia Amalia Latifah Nia Fajriyatun Nadlifiyah Nikmatul Atiya Noven Suprayogi, Noven Nurul Huda Puji Sucia Sukmaningrum Pupun Saepul Rohman Puspita Sari, Ika Putri, Diana Clarisa Alya Raditya Sukmana Ramadhanti, Ivani Rani, Lina Nugraha Reza Ashari Nasution Rolista Dwi Oktavia Rosalia Debby Endrianti Rusmita, Sylva Alif Satria Fadil Persada Shabbir, Malik Shahzad Shafana Putri Sambas Shahzad Shabbir, Malik Sherrindra Avedta Siti Nur Ro'ikayah Siti Zulaikah Siti Zulva Rafika Sri Herianingrum Sri Yayu Ninglasari Sudana Sudana Sulistya Rusgianto Tika Widiastuti Turmudi Vega Zahrah Narendra Duhita WAHYU SUKARTININGSIH Wijaya, Ulfia Imelda Windasari, Nila Armelia Yatoo, Nissar Ahmad Yulita Widya Afiqah