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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) JURNAL SOSIAL HUMANIORA (JSH) Jurnal Ekonomi Syariah Teori dan Terapan JURNAL EKONOMI DAN BISNIS AIRLANGGA Jurnal Pengabdian Kepada Masyarakat (Indonesian Journal of Community Engagement) Jurnal Ekonomi dan Bisnis Islam Falah : Jurnal Ekonomi Syariah Ikonomika : Jurnal Ekonomi dan Bisnis Islam AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat al-Uqud : Journal of Islamic Economics AFEBI Islamic Finance and Economic Review Review of Islamic Economics and Finance Jurnal Layanan Masyarakat (Journal of Public Service) SEMAR Airlangga Journal of Innovation Management Indonesian Capital Market Review Journal of Islamic Economics Lariba Equilibrium: Jurnal Ekonomi Syariah Proceedings of International Conference on Islamic Economic Finance and Social Finance
Puji Sucia Sukmaningrum
Departemen Ekonomi Syariah - Fakultas Ekonomi Dan Bisnis - Universitas Airlangga
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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Factors Affecting Financing Distribution of Sharia Commercial Banks in Indonesia Putri, Tsamara Nadya Cantika; Sukmaningrum, Puji Sucia
Review of Islamic Economics and Finance Vol 6, No 2 (2023): Revıew of Islamic Economics and Finance (RIEF): December 2023
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v6i2.45454

Abstract

This study aims to analyze the effect of inflation, economic growth, interest rates, asset quality, capital adequacy, and profitability on the distribution of Islamic commercial bank financing in Indonesia (2014 – 2019) partially or simultaneously. In this study, the variables used are financing distribution as measured by FDR, profitability as measured by Bank ROA, inflation, economic growth as measured by GDP, interest rate as measured by the BI Rate or BI7DRR, and capital adequacy as measured by CAR and asset quality measured by the NPF. The quantitative approach used with panel data regression method with the analysis tool Eviews 10. This study uses secondary data derived from the annual financial statements of Islamic commercial banks in Indonesia. Sampling was carried out using purposive sampling with several criteria, resulting in a sample of 10 BUS in Indonesia. The results show that the interest rate and asset quality partially affect the distribution of financing with a significant positive. In contrast, economic growth, inflation, capital adequacy, and profitability do not significantly affect the distribution of BUS financing in Indonesia. Simultaneously, inflation, economic growth, interest rates, capital adequacy, asset quality, and profitability significantly impact the distribution of BUS financing in Indonesia.
BIBLIOMETRIC ANALYSIS OF ZAKAT RESEARCH FOR SUPPORTING SDGS Rosyidi, Luthfi Nur; Sukmaningrum, Puji Sucia; Widiastuti, Tika
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 10 No. 1 (2024): JANUARY - JUNE 2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v10i1.54251

Abstract

Introduction: This research aims to reveal and map the publication regarding zakat to achieve SDGs. Methods: Based on the Scopus database, this study attempts to present an overview of papers, authors, journals, and countries that are prominent in zakat research using the bibliometric technique. Results: Until November 2022, there were 618 documents published by 1,356 authors. And zakat-related research has increased over the last 14 years, with Malaysia having the most authors publishing articles in the field of zakat. Non-Muslim countries, such as the United States, are also included on the list. The research findings show that there are seven pillars in zakat research: pillar 1 (No Poverty), pillar 2 (Zero Hunger), pillar 3 (Good Health & Well-being), pillar 4 (Quality Education), pillar 8 (Decent Work & Economic Growth), pillar 9 (Industry, Innovation, and Infrastructure), and pillar 10 (Industry, Innovation, and Infrastructure). These pillars correspond to the goal of zakat, which is to distribute wealth for the benefit of the people. Conclusion and suggestion: The government is expected to implement regulations and use existing models to optimize zakat to improve SDG achievement. This research can also be used as a guideline for future research by academics based on the trend and the gap research found in this study.
DETERMINATION OF DISCLOSURE OF ISLAMIC SOCIAL REPORTS AT SHARIA BANK IN INDONESIA Faiz, Ayatur Muhammad; Sukmaningrum, Puji Sucia
Jurnal Ekonomi dan Bisnis Airlangga Vol. 34 No. 2 (2024): JURNAL EKONOMI DAN BISNIS AIRLANGGA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jeba.V34I22024.252-267

Abstract

Introduction: This study aims to determine the effect of profitability, bank size, bank age, debt to asset ratio, and syirkah funds to partially and simultaneously reveal Islamic Social Reporting on Islamic banks in Indonesia. Methods: This study uses a quantitative method with panel data regression analysis with EViews 12. The population used in this study is Islamic banks in Indonesia. Results: This study partially shows that profitability, Islamic bank size, and debt to asset ratio are not significant in Islamic Social Reporting disclosure. Meanwhile, the age of Islamic banks and temporary syirkah funds has a positive and significant effect on the disclosure of Islamic Social Reporting. Simultaneously, profitability, bank size, bank age, debt-to-asset ratio, and temporary syirkah funds have a significant positive effect on the disclosure of Islamic Social Reporting in Islamic banks in Indonesia in 2016-2021. Conclusion and suggestion: This study reveals that Islamic Social Reporting (ISR) disclosure in Indonesian Islamic banks is significantly influenced by bank age and temporary shariah funds, rather than profitability, size, or debt ratio. The findings highlight the importance of long-term commitment and stakeholder engagement in enhancing ISR practices, offering valuable insights for policymakers and stakeholders.
Resilient finance: Navigating COVID-19 in the Indonesian capital market through an Islamic economic perspective Sukmaningrum, Puji Sucia; Bin Mohd Dali, Nuradli Ridzwan Shah; Madyan, Muhammad; Laila, Nisful; Widiastuti, Tika
al-Uqud : Journal of Islamic Economics Vol. 8 No. 2 (2024): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v8n2.p239-254

Abstract

This study examines investor behavior, measured by trading volume activity (TVA) and average abnormal return (AAR), during the COVID-19 pandemic in Indonesia. It provides a comprehensive analysis of the pandemic's impact on four key subsectors: pharmaceuticals, telecommunications, transportation, and food and beverages. Using an event study methodology with daily stock prices and trading volume data, the results reveal varying investor reactions across subsectors. Notably, the pharmaceutical subsector showed significant differences in TVA averages and AAR changes two days before and seven days after the pandemic announcement. In contrast, the food and beverages subsector experienced no significant change in TVA, but notable AAR fluctuations over 11 days. The telecommunications subsector demonstrated significant negative AAR differences post-announcement, despite no TVA changes, while the transportation subsector experienced a negative AAR difference over 11 days with no TVA variations. This detailed sectoral analysis offers valuable insights for stakeholders seeking to understand the differential impact of COVID-19 on various industries.  
The development of Islamic finance literature in response to economic turbulence: A systematic review of financial stability strategies Pusparini, Martini Dwi; Fianto, Bayu Arie; Sukmaningrum, Puji Sucia; Mohd Dali, Nuradli Ridzwan Shah Bin
Journal of Islamic Economics Lariba Vol. 11 No. 1 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol11.iss1.art21

Abstract

IntroductionEconomic turbulence remains a persistent challenge globally, as evidenced by historical crises such as the Great Depression, the 2007–2009 Global Financial Crisis, Brexit, and the COVID-19 pandemic. These events have underscored the necessity for resilient and ethically sound financial frameworks. Islamic finance has gained attention as a viable alternative financial system, potentially offering enhanced stability during periods of economic instability.ObjectivesThis study systematically reviews existing literature on the development and responses of Islamic finance during various economic disturbances. It aims to identify how Islamic financial institutions adapt their strategies, products, and services in response to crises, and highlight areas for future research.MethodThe systematic literature review method was used, analyzing 76 academic articles published between 2007 and 2023 from high-quality journals (Q1 and Q2) indexed in the Scopus database. Articles were carefully screened using defined inclusion and exclusion criteria to ensure relevance to economic crises and Islamic finance.ResultsFindings reveal that Islamic financial markets and Islamic banking were the predominant topics, demonstrating varied responses to economic shocks. Islamic banks, employing profit-loss sharing models, exhibited resilience during economic downturns, though inefficiencies in profitability and capitalization were noted. Islamic financial markets, characterized by ethical investments and low leverage, provided diversification advantages but remained vulnerable due to limited portfolio diversity. Additionally, Islamic social finance tools such as zakat and waqf were beneficial in supporting economic recovery, especially during the COVID-19 crisis.ImplicationsThe study suggests that governments and policymakers should promote profit-loss sharing models in Islamic banking and encourage greater diversification in Islamic financial markets to enhance resilience. Additionally, Islamic social finance should be further integrated into economic recovery strategies to mitigate crisis impacts.Originality/NoveltyThis research uniquely synthesizes insights into the adaptive responses of Islamic financial institutions across historical economic crises, addressing a significant knowledge gap in Islamic finance literature. By providing comprehensive future research directions, it contributes valuable guidance for scholars, practitioners, and policymakers aiming to develop sustainable and resilient financial systems.
The Impact of Overconfidence and Loss Aversion Bias on Investment Decision Making Among Users of Robo Advisors in Islamic Financial Technology Rahmat, Tsaniya Kamilah; Sukmaningrum, Puji Sucia; Rusmita, Sylva Alif
IKONOMIKA Vol 9, No 2 (2024)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v9i2.23006

Abstract

The advent of the digital age has engendered profound societal transformations, among which is the proliferation of digital investment platforms. Robo Advisors, powered by artificial intelligence, offer investment counsel to investors, promising a sense of security through judicious strategies. Robo-advisors are a cost-effective alternative to traditional financial consultants, enjoying widespread adoption due to their accessibility. This research investigates the influence of human bias on investors' irrational decision-making processes, alongside discerning potential disparities between users and non-users of robo advisors. A quantitative study was conducted to address these inquiries, involving a sample of 123 participants. Structural Equation Modeling-Partial Least Squares was employed as the data analysis technique. The findings reveal that overconfidence and loss aversion bias significantly impact the irrationality levels observed in individual investors' decision-making processes. Furthermore, no discernible differences were observed between robo-advisor users and non-users concerning the influence of overconfidence and loss aversion bias on investment decision-making within the research framework.
Pembinaan Integrasi Keuangan Sosial Syariah pada Lembaga Filantropi Islam Widiastuti, Tika; Sukmaningrum, Puji Sucia; Ningsih, Sri; Mawardi, Imron; Herianingrum, Sri; Hijriah, Hanifiyah Yuliatul; Putra, Muhammad Wicaksono Hasdyani
Aksiologiya: Jurnal Pengabdian Kepada Masyarakat Vol 6 No 3 (2022): Agustus
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/aks.v6i3.9912

Abstract

Filantropi Islam di Indonesia memiliki tujuan yang relevan dengan Sustainable Development Goals (SDGs), yaitu kesejahteraan. Disamping itu, potensi penghimpunan dana filantropi Islam di Indonesia menjadi keuntungan tersendiri. Namun, lembaga filantropi Islam memiliki beberapa permasalahan diantaranya: permasalahan di bidang kelembagaan, teknologi, sumber daya manusia, regulasi dan tata kelola. Salah satu cara untuk mengatasi permasalahan tersebut adalah melakukan integrasi keuangan sosial syariah. Kegiatan pengabdian masyarakat ini bertujuan untuk memberikan pembinaan integrasi keuangan sosial syariah kepada lembaga filantropi Islam dan stakeholder terkait. Pembinaan dilakukan sebanyak dua kali. Kegiatan pertama dilakukan secara online kepada Lembaga filantropi Islam dengan memanfaatkan media zoom. Kegiatan pertama menghadirkan para pakar dari perwakilan regulator, praktisi dan akademisi untuk memberikan arahan dan catatan penting terkait dengan materi pembinaan yang diberikan. Pembinaan kedua secara hybrid kepada masyarakat Desa Tambakrigadung, Lamongan. Hasil program pengabdian menujukkan telah terbina sejumlah lembaga filantropi Islam dalam integrasi keuangan sosial syariah, salah satunya pada implementasi program yang memberi dampak langsung terhadap masyarakat yang membutuhkan.
Analisis Pengaruh Pengumuman Merger Bank Syariah Bumn Terhadap Saham Perbankan Di Indonesia Rama Wijaya, Andika; Sucia Sukmaningrum, Puji
Proceedings of International Conference on Islamic Economic Finance and Social Finance (ISSN: XXXX-XXXX) (ESSN: XXXX-XXXX) Vol. 2 (2021): Proceedings of ICONIC SOF: Proceedings of International Conference on Islamic Economi
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62086/10.62086

Abstract

This study aims to determine the market's reaction to the announcement of the merger of three state-owned Islamic banks against Islamic banking and conventional banking stocks as measured by abnormal returns and trading volume activity. The method used in this study uses an event study with quantitative proximity. To see the abnormal returns, use a market model with an estimated period of 60 days and an event period of 10 days before and 10 days after the announcement of the merger of three state-owned Islamic banks. To determine the sample, purposive sampling was used and 17 stock samples were obtained consisting of 3 samples of sharia stocks and 14 samples of conventional stocks. The analysis technique used in this study used a one-sample t-test and a paired sample t-test if the data were distributed normally. If there is data that is not normally distributed, the analysis technique used is the one sample wilcoxon signed r test .
Growth and Value Effect on Jakarta Islamic Index: Analysis towards Performance of Sharia Equity Mutual Fund Rusmita, Sylva Alif; Che Mohd Salleh, Marhanum; Sucia Sukmaningrum, Puji; Zulaikha, Siti
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 11 No. 1 (2019)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v11i1.9670

Abstract

This study provides evidence that value and growth stocks are able to explain Net Asset Value of sharia mutual fund. Growth and value stocks in 2013-2017 are used to predict mutual fund profits. Thus, prior to any losses or lower Net Asset Value experienced by customers, investment managers and investors can estimate the profit or loss obtained. This study uses quantitative method with the latest secondary data from companies indexed in the Jakarta Islamic Index and sharia mutual fund data. The results of statistical tests show that growth and value shares equally affect the profit of sharia mutual funds. The growth stock has a larger R-Square than stock value. Meanwhile, the ratios that most affect Net Asset Value of sharia mutual fund are the Return on Equity and Book to Market Value. Penelitian ini membuktikan bahwa growth stock dan value stock mampu menjelaskan Net Asset Value dari mutual fund syariah. Growth stock dan value stock digunakan untuk memperdiksi keuntungan dari mutual fund. Sehingga, sebelum nasabah mengalami keuntungan atau kerugian atas Net Asset Value, manajer investasi dan investor dapat memprediksi kemungkinan keuntungan dan kerugian yang akan didapat. Artikel ini menggunakan metode kuantitatif dengan data sekunder yang diperoleh dari perusahanperusahaan yang terindeks oleh Jakarta Islamic Index dan data mutual fund syariah. Hasil penguajian data statistic menunjukkan bahwa baik growth stock maupun value stock mempengaruhi keuntung mutual fund syariah. Growth stock menunjukkan R-square lebih besar daripada stock value. Sementara itu, rasio yang paling berpengaruh terhadap Net Asset Value pada mutual fund syariah adalah Return on Equity dan Book to Market Value.
MACROECONOMIC FACTORS ON NON-PERFORMING FINANCING IN INDONESIAN ISLAMIC BANK: ERROR CORRECTION MODEL APPROACH Ikramina, Cyntia; Sukmaningrum, Puji Sucia
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 7 No. 1 (2021): JANUARY-JUNE 2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v7i1.23647

Abstract

Non-performing Financing (NPF) is a ratio to measure the non-performing finance level in Islamic banks and one indicator of Islamic banking's health. The higher NPF indicates the quality of the bank's financing was terrible. This study aims to determine several macroeconomic factors on the NPF ratio in Islamic commercial banks in Indonesia. This study applies Error Correction Model (ECM) with saturated sample methods. Sources of data from the official websites of the Financial Authority Services (OJK), Bank Indonesia (BI), and Indonesia Statistics Bureau (BPS). The sample used was Islamic commercial banks in all periods starting from January 2014 to February 2020 published in Islamic banking statistics. There are 74 Islamic commercial banks as observations. The results of this study are pretty surprising. In the short term, macroeconomic variables influence the NPF ratio in Islamic banks, while only inflation affects the NPF for a long time. The government needs to be more able to control when giving policies to increase inflation due to the impact of problematic Financing in Islamic banking. If it occurs continuously, the bank will threaten with bankruptcy. For the Islamic banking industry, we hoped that it could be wiser in placing the liquidity owned, especially when it comes to giving the financing, must carefully look at the customer's portfolio. This study provides comprehensive information on the macroeconomic impact on non-performing financing, specifically on Islamic banks in Indonesia.
Co-Authors Abdul Ghofur Achsania Hendratmi Ady Wena Pramudya Al Marifatul A'la Alifia Riza Azhari AMANI, ZATA ATIKAH Arzety, Happy Miranda Aufar Fadlul Hady Azyyati Yusrina Bayu Arie Fianto Bin Mohd Dali, Nuradli Ridzwan Shah Che Mohd Salleh, Marhanum Chorista Fitriani Eka Puspa Dewi Eko Fajar Cahyono, David Kaluge Faiz, Ayatur Muhammad Farah Faadilah Fatimatuzzahra, Fitriati Fitriati Fatimatuzzahra Hamidatul Husnah Hanifiyah Yuliatul Hijriah, Hanifiyah Yuliatul Ichwan Abdillah Idzal Dwi Nantyah Ikramina, Cyntia Imron Mawardi Ira Ragelia Martini Dwi Pusparini, Martini Dwi Miftakhul Fadhilah Mohd Dali, Nuradli Ridzwan Shah Bin Muhammad Iqbal Rifqi Ardianto Muhammad Madyan, Muhammad Muhammad Satriyo Wibowo Muhammad Ubaidillah Al Mustofa Muhammad Wicaksono Hasdyani Putra Muryani Muryani Mutiara Ramadhani Putri Mutiara Ramadhani Putri Nadia Laksmita Sari Nandini Anindita Nikmatul Atiya Ninda Ardiani Nisful Laila Noven Suprayogi, Noven Novia Rizky Ramadhanty Nur Rochmania Nurul Dwi Wahyuni Nurul Hidayati Nurul Laili Rahmawati Putra, Bintang Fajar Muskan Putra, Muhammad Wicaksono Hasdyani Putri, Mutiara Ramadhani Putri, Tsamara Nadya Cantika Rahmat, Tsaniya Kamilah Rama Wijaya, Andika Rani, Lina Nugraha Rischi Qonita Fauziah Rosyidi, Luthfi Nur Rusmita, Sylva Alif Salsabiilaa Nadiah Putri Herlambang Savilla Azzahra Shafana Putri Sambas Siti Inayatul Faizah, Siti Inayatul Siti Zulaikha Sri Herianingrum Sri Ningsih Sulistya Rusgianto Syafrina Hidayati Tika Widiastuti Wahyuni, Nurul Dwi Wibowo, Muhammad Satriyo ZATA ATIKAH AMANI