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All Journal ASAS : Jurnal Hukum Ekonomi Syariah Al-'Adalah Indonesian Journal of Islamic Economics and Finance Ecoducation BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Ujang Hanief Musthofa
Program Pasca Sarjana UIN Kalijaga Yogyakarta
Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Comparative Analysis of Operational and Liquidity Risks of Islamic Banks in the ASEAN Region Using Basel III Wahyudi, Bintang Tri; Zuliansyah, A.; Musthofa, Ujang Hanief
Indonesian Journal of Islamic Economics and Finance Vol 4 No 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.6674

Abstract

This research aims to analyze the differences in operational and liquidity risks of Islamic banks in the ASEAN region based on the Basel III framework. The study employs a quantitative methodology, utilizing the Kruskal-Wallis analysis and Mann-Whitney U test, drawing on financial reports from Islamic banks from 2021 to 2023. Key indicators examined include the Operational Risk Capital Charge (ORCC), Net Stable Funding Ratio (NSFR), and Liquidity Coverage Ratio (LCR). The findings reveal significant differences in the management of operational risk (ORCC) and long-term funding stability (NSFR), while no significant differences were observed in short-term liquidity (LCR). It was noted that predominantly Muslim countries are better equipped to handle operational risks, whereas banks in smaller markets face liquidity challenges. However, the study is limited to Islamic banks in five ASEAN countries and does not consider external variables such as macroeconomic conditions. Overall, these findings contribute to the existing literature on risk management in Islamic banks within the ASEAN region and offer valuable insights for regulators to develop policies tailored to local characteristics.
Pengaruh Green Banking dan Capital Adequasy Ratio terhadap Profitabilitas Bank Umum Syariah di Indonesia: The Influence of Green Banking and Capital Adequacy Ratio on the Profitability of Islamic Commercial Banks in Indonesia Rahman, Nabilli; Fasa, Muhammad Iqbal; Musthofa, Ujang Hanief; Ardana, Yudhistira
Economic and Education Journal (Ecoducation) Vol. 7 No. 1 (2025): Economic and Education Journal (Ecoducation)
Publisher : Pendidikan Ekonomi, Universitas Insan Budi Utomo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33503/ecoducation.v7i1.1427

Abstract

Bank Umum Syariah merupakan lembaga keuangan yang menjalankan kegiatan usahanya berdasarkan prinsip-prinsip syariah serta menyediakan layanan dalam lalu lintas pembayaran. Tujuan penelitian adalah mengetahui Green Banking dan capital adequasy ratio berpengaruh pada profitabilitas Bank Umum Syariah di Indonesia. Jenis penelitian ini yaitu kuantitatif dengan pendekatan deskriptif statistik. Metodologi penelitian yang digunakan pada penelitian ini adalah metode riview dan studi kepustakaan. Adapun data yang digunakan dalam penelitian ini adalah data sekunder, yaitu laporan tahunan Bank Umum Syariah periode 2020 – 2023. Variabel dependen pada penelitian ini adalah Net Profit Margin (NPM). Sedangkan variabel independennya yaitu Green Banking indicators dan Capital Adequasy Ratio. Metode analisis data yang digunakan adalah uji asumsi klasik dan analisis linier berganda, pengolahan data yang digunakan adalah program SPSS 27. Hasil penelitian menunjukkan bahwa Green Banking dan capital adequasy ratio berpengaruh positif pada profitabilitas Bank Umum Syariah di Indonesia.
Comparative Analysis of Operational and Liquidity Risks of Islamic Banks in the ASEAN Region Using Basel III Wahyudi, Bintang Tri; Zuliansyah, A.; Musthofa, Ujang Hanief
Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.6674

Abstract

This research aims to analyze the differences in operational and liquidity risks of Islamic banks in the ASEAN region based on the Basel III framework. The study employs a quantitative methodology, utilizing the Kruskal-Wallis analysis and Mann-Whitney U test, drawing on financial reports from Islamic banks from 2021 to 2023. Key indicators examined include the Operational Risk Capital Charge (ORCC), Net Stable Funding Ratio (NSFR), and Liquidity Coverage Ratio (LCR). The findings reveal significant differences in the management of operational risk (ORCC) and long-term funding stability (NSFR), while no significant differences were observed in short-term liquidity (LCR). It was noted that predominantly Muslim countries are better equipped to handle operational risks, whereas banks in smaller markets face liquidity challenges. However, the study is limited to Islamic banks in five ASEAN countries and does not consider external variables such as macroeconomic conditions. Overall, these findings contribute to the existing literature on risk management in Islamic banks within the ASEAN region and offer valuable insights for regulators to develop policies tailored to local characteristics.
MENGGAGAS PENGEMBANGAN AKUNTANSI SYARI’AH PENDEKATAN INTEGRATIF-INTERKONEKTIF Musthofa, Ujang Hanief
ASAS Vol. 3 No. 1 (2011): Asas, Vol. 3, No. 1, Januari 2011
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v3i1.1653

Abstract

Abstak: There has been dichotomy in the Muslim world between secular and religious science. Hence, a Muslim is ‘forced’ to choose between the two. In Indonesian case, this can be seen in the distinction of educational institutions: madrasah and school. Another fact is that Muslims experienced severe colonialist occupation which brought secular sciences. As a result, this strengthens the stigmatization among particular Muslims towards those sciences. As world economy has been under strong influence of capitalism, Muslims try to develop their own economic system. As to secular science, Muslims make great effort to build their own science. Through ‘Islamization’ of secular sciences, Muslims attempt to found Islamic science. Among the sciences is accounting, which is expected to be deconstructed and metamorphose into Islamic (Shari’ah) Accounting. By using integrative-interconnective approach, Shari’ah Accounting is supposed to reflect integrative Islamic values in the whole of its aspects. Keywords: Secular science, Islamization, integrative-interconnective approach, Shari’ah Accounting.
MENGGAGAS PENGEMBANGAN AKUNTANSI SYARI’AH (PENDEKATAN INTEGRATIF-INTERKONEKTIF) musthofa, ujang hanief
al-'adalah Vol 8 No 1 (2011): Al-'Adalah
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/adalah.v13i3.239

Abstract

 Menggagas Pengembangan Akuntansi Syari’ah Pendekatan Integratif-Interkonektif. Kaum Muslim terpaksa harus memilih salah satu dari ilmu sekuler dan ilmu agama. Di Indonesia hal ini dapat dilihat dari pembagian institusi pendidikan: madrasah dan sekolah. Fakta lainnya adalah penderitaan Muslim di Indonesia akibat penjajahan kolonial yang merupakan pembawa ilmu-ilmu sekuler tersebut, semakin memperkuat stigma pandangan kelompok muslim tertentu terhadap ilmu sekuler. Melalui islamisasi ilmu sekuler, Muslim berusaha mengembangkan ilmu keislaman. Salah satu dari ilmu tersebut adalah akuntansi, yang diharapkan dapat didekonstruksi dan bermetamorfosis menjadi Akuntansi Syariah. Dengan menggunakan pendekatan integratif-interkonektif, akuntansi syariah diharapkan dapat merefleksikan secara integratif nilai-nilai keislaman dalam seluruh aspeknya.Kata Kunci:ilmu sekuler, integratif-interkonektif, akuntansi syariah.
Pengaruh Likuiditas, Leverage, dan Non Performing Financing, Terhadap Stabilitas Keuangan pada Bank Umum Syariah di Indonesia Periode Tahun 2020-2024 Rahman, Nabilli; Musthofa, Ujang Hanief; Nurmalia, Gustika
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i1.9115

Abstract

This study aims to analyze the influence of liquidity (FDR), leverage (DER), and Non-Performing Financing (NPF) on the financial stability of Islamic Commercial Banks (BUS) in Indonesia (2020–2024) using panel data from 10 BUS. The Chow test and Hausman test determined the Fixed Effects Model (FEM) as the best model. The results show: FDR and NPF have no statistically significant effect. Meanwhile, DER has a positive and significant influence with a p-value of 0.009, as Sharia-compliant debt for productive financing through risk-sharing schemes enhances stability. The adjusted R² (11.39%) indicates limited explanatory power, with 88.61% attributed to external factors. From an Islamic perspective, this study highlights that the role of Islamic banks is not solely about financial achievement but also a manifestation of their social responsibility in building a more inclusive and sustainable economy aligned with Islamic values.
Co-Authors A. Zuliansyah Gustika Nurmalia Muhammad Iqbal Fasa Rahman, Nabilli Wahyudi, Bintang Tri Yudhistira Ardana, Yudhistira