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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Ekonomi Bisnis AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat AL-Hikmah: Jurnal Studi Agama-agama Maqasid: Jurnal Studi Hukum Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) IIJSE
Haqiqi Rafsanjani
Universitas Muhammadiyah Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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ISLAMICITY FINANCIAL PERFORMANCE INDEX PADA BANK SYARIAH DI INDONESIA Muhammad Bintang Rifqi Kashfillah; Rifa'atul Maftuhah; Haqiqi Rafsanjani; Shafinar Binti Ismail
Ekonomi Bisnis Vol 30, No 1 (2025): EKONOMI BISNIS MARCH 2025
Publisher : Departemen Manajemen Fakultas Ekonomi dan Bisnis Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um042v30i1p74-91

Abstract

Penelitian ini bertujuan untuk menguji pengaruh laporan sosial islam (ISR), dewan pengawas syariah (DPS), kinerja keuangan islam (IFPI) pada Bank Syariah melalui rasio pengembalian aset (ROA). Penelitian ini menggunakan metode kuantitatif deskriptif dengan analisis regresi data panel, dengan sampel 7 Bank Umum Syariah yang ada di Indonesia. Penelitian ini menggunakan alat mengolah data statistik berupa aplikasi StataMP 17 untuk menguji pengaruh langsung dan tidak langsung pada Bank Umum Syariah di Indonesia dengan perspektif maqashid syariah. Hasil dari penelitian ini menunjukkan bahwa ISR tidak berpengaruh signifikan terhadap ROA maupun dengan IFPI, dan SSB tidak berpengaruh signifikan dengan ROA dan IFPI. Hal ini juga berlaku dengan ROA yang tidak berpengaruh siginfikan terhadap IFPI. Temuan studi ini bertentangan dengan prinsip-prinsip maqashid syariah, yang menekankan kepatuhan syariah, keadilan, transparansi, dan perlindungan aset. Hal ini dikarenakan kurangnya transparansi dalam mengungkapkan laporan sosial islam kepada para pemangku kepentingan. Dewan Pengawas Syariah dalam menjalankan tugas nya masih belum maksimal, karena rata-rata keanggotaan mereka dibawah 5 orang, yang memiliki pengetahuan fiqh muamalah juga masih minim, dan pelaksanaan rapat hanya sekitar ±14 kali dan yang paling banyak ±50 kali lebih, tapi itu masih belum bisa mempengaruhi laba bank dan pengawasan kinerja. Oleh karena itu, untuk meningkatkan kepercayaan pemangku kepentingan dan menghasilkan kinerja keuangan yang lebih baik dan berkelanjutan, perbankan syariah harus mengoptimalkan pengelolaan aset, memperkuat peran DPS, dan meningkatkan keterbukaan pelaporan sosial. Kata Kunci : Laporan Sosial Islam, Dewan Pengawas Syariah, Rasio Pengembalian Aset, Indeks Kinerja Keuangan Islam
The Effect of Non-Performing Financing and Financing to Deposit Ratio on Capital Adequacy Ratio in Sharia Commercial Banks in Indonesia Enjeli Femi Soviani; Haqiqi Rafsanjani; Tiara Anindya Virana
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.9561

Abstract

This study aims to analyze the influence of Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR) on Capital Adequacy Ratio (CAR) in Sharia Commercial Banks in Indonesia, both in the short and long term. The main problem studied is how financing risks and the effectiveness of intermediation affect the capital resilience of Islamic banks in the midst of financial industry dynamics. This study uses a quantitative approach with an associative design and time series data for the 2018–2024 period sourced from the publication of the Financial Services Authority (OJK). The analysis methods used included ADF stationarity test, optimal lag test, VAR stability test, Granger causality test, Johansen cointegration test, and Vector Error Correction Model (VECM) estimation, which was complemented by Impulse Response Function (IRF) and Variance Decomposition (VD) analysis. The results showed that all variables were stationary at the first difference level and there were three cointegration relationships, which indicated a long-term relationship between variables. The VECM estimate shows that NPF has a negative and significant effect on CAR in the long term, while FDR has no significant effect on either the short or long term. Granger's causality test found a one-way relationship from CAR to NPF, while the relationship between FDR and CAR was insignificant. These findings indicate that the strengthening of Islamic banks' capital is more influenced by the quality of financing than the intermediation function. This research contributes empirically in enriching the literature on Islamic banking stability and provides policy implications for regulators and bank management in prioritizing financing risk control to maintain sustainable capital adequacy.
THE EFFECT OF CAPITAL ADEQUACY, OPERATIONAL EFFICIENCY, AND THIRD-PARTY FUNDS ON PROFITABILITY IN SHARIA COMMERCIAL BANKS IN INDONESIA Putri Diah Salsabillah; Haqiqi Rafsanjani; Tiara Anindya Virana
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.9563

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), and Third Party Funds (DPK) on Return on Assets (ROA) in Sharia Commercial Banks in Indonesia. This study uses an associative quantitative approach with secondary data on the monthly time series for the 2018–2024 period sourced from the Financial Services Authority (OJK). The analysis method used is the Vector Error Correction Model (VECM), with stages of testing stationery, optimal lag, VAR stability, Granger causality, and Johansen cointegration, and equipped with Impulse Response Function (IRF) and Forecast Error Variance Decomposition (FEVD) analysis. The results of the study showed that some variables were not stationary at the level level, but all variables were stationary at the first difference. The Johansen cointegration test showed that there was a long-term relationship between variables, so the VECM model was feasible. The estimated results show that CAR does not have a significant effect on ROA in the short term. BOPO has a negative and significant effect on ROA in the short term, while deposits also have a negative and significant effect on ROA. The IRF results show that the ROA response to shock is temporary, while the FEVD shows that the variation in ROA is more explained by the ROA shock itself. This finding indicates that the profitability of Sharia Commercial Banks is more influenced by operational efficiency and optimization of fund management than capital adequacy alone.
Co-Authors Amin, Rukhul ANI SETYAWATI Bella Gita Novalia Dian Berkah Enjeli Femi Soviani Erika Inayah Aulia Rahma Irma Muzdalifa Lely Dwi Rahmawati Luluk latifah Maftuhah . Marsha Meira Albania Mohammad Sya’roni Muhammad Bintang Rifqi Kashfillah Nabila Aretha Putri Yunaz Putri Diah Salsabillah Rifa'atul Maftuhah Rifa’atul Maftuhah Shafinar Binti Ismail Virana, Tiara Anindya