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All Journal IQTISHODUNA El Dinar JURNAL EKONOMI AKUNTANSI DAN MANAJEMEN I-Finance Journal Economica: Jurnal Ekonomi Islam Jurnal Dinamika Ekonomi dan Bisnis EKONOMIS : Journal of Economics and Business Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Idaarah: Jurnal Manajemen Pendidikan Al Dzahab Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Maliki Islamic Economics Journal Mangente: Jurnal Pengabdian kepada Masyarakat Engagement: Jurnal Pengabdian Kepada Masyarakat Jurnal Ekonomi, Bisnis & Entrepreneurship (e-Journal)
Titis Miranti
Program Studi Perbankan Syariah, UIN Maulana Malik Ibrahim Malang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Financial Technology in Moderating Influence Firm Size, Risk-Based Capital, Current Ratio, and Premium Growth Ratio to Financial Performance (Study on Sharia Insurance Companies in Indonesia in the period 2017-2021) Yulia Widayati; Titis Miranti
Ekonomis: Journal of Economics and Business Vol 7, No 2 (2023): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v7i2.1157

Abstract

Tujuan penelitian ini adalah untuk mengetahui pengaruh pengaruh financial technology dalam memoderasi  firm size, risk based capital, current ratio, dan premium growth ratio terhadap financial performance pada perusahaan asuransi syariah di Indonesia. Sampel yang digunakan dalam penelitianini 39 perusahaan asuransi syariah yang terdaftar dalam AASI periode 2017-2021. Teknik analisis data yang digunakan adalah regresi data panel. Hasil analisis yang tepat digunakan dalam penelitian ini adalah random effect model (REM). Hasil penelitian ini menunjukkan bahwa firm size, risk based capital dan premium growth ratio tidak berpengaruh secara signifikan terhadap ROA, sedangkankan current ratio berpengaruh secara signifikan terhadap ROA. Financial technology mampu memoderasi pengaruh firm size dan current ratio terhadap ROA, sedangkan financial technology tidak mampu memoderasi risk based capital dan premium growth ratio.
Mencapai Sustainability Koperasi Pesantren melalui Jiwa Entrepreneurship pada Mahasantri Lembaga Tinggi Pesantren Luhur Malang Nihayatu aslamatis Solekah; Titis Miranti; Barianto Nurasri Sudarmawan
Engagement: Jurnal Pengabdian Kepada Masyarakat Vol 4 No 1 (2020): May 2020
Publisher : Asosiasi Dosen Pengembang Masyarajat (ADPEMAS) Forum Komunikasi Dosen Peneliti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/engagement.v4i1.98

Abstract

Entrepreneurship is proven to be able to move the economics. Specifically, entrepreneurial activities within the pesantren are increasingly prevalent. This condition makes the ministry of industry also participate in developing cooperatives through Islamic boarding schools throughout the nation for now. The Lembaga Tinggi Pesantren Luhur Malang is one of the boarding schools in Malang, precisely at the Ketawanggede, Lowokwaru District. In addition to religious education in the form of recitation, halaqoh, prayer in congregation, this boarding school also focuses on giving students understanding and education in the economic field. The purpose of this service is to provide assistance in the form of cooperative management through the spirit of entrepreneurship of the students of Malang Luhur Pesantren. The method used in this service is Participatory Action Research (PAR). This dedication found that at Luhur Malang, there are a lot of ideas about entrepreneurship, even among those who have carried out these activities. However, its management still needs to be improved again. Therefore, this dedication recommends the need to continuously increase the resources of students who are able to market the results of pesantren cooperatives that can increase economic use value and the need for support and supervision among each LTPLM member
Implementasi Fungsi Mal Dan Fungsi Tamwil Pada Baitul Mal Wa Tamwil (Studi Kasus BMT UGT Sidogiri Kota Malang) Muhammad Saiful Kalam; Titis Miranti
Jurnal Dinamika Ekonomi dan Bisnis Vol 20, No 2 (2023)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jdeb.v20i2.4037

Abstract

BMT UGT Sidogiri was ranked 6th out of the 100 largest cooperatives in Indonesia in 2019. This is an interesting achievement to study. The study in this research is the implementation of mall and tamwil functions in terms of juridical, organizational and operational aspects. The research was located at the BMT Malang City Branch. The type and research approach used qualitative case studies. Data collection techniques used observation, interviews and documentation. Based on the research results, the juridical aspect explains that BMT UGT Sidogiri has had a cooperative legal entity since 2000. The organizational aspect explains that the implementation of the mall function is controlled and controlled by Amil Zakat Institution of Sidogiri, Pasuruan, while the tamwil function is controlled by BMT for each office. Tamwil operational activities are carried out in accordance with existing procedures and provisions. In addition, the mall's operational activities include the distribution of social funds such as zakat gifts, house renovations, scholarships, and so on. The conclusion of this research is that BMT Malang City Branch has implemented the mall function and its tamwil function simultaneously. The implication is that this research can be used as a reference and point of reference for future researchers who study the implementation of mall and tamwil functions in BMT in terms of juridical, organizational and operational aspects. This research also complements aspects of previous research which only included one or two aspects
The Influence Of Brand Image And Customer Trust On Customer Loyalty Through Customer Satisfaction With Gender As A Moderation Variable Salsabiila Salsabiila; Titis Miranti
Jurnal Ekonomi, Bisnis & Entrepreneurship Vol. 18 No. 1 (2024): Jurnal Ekonomi, Bisnis & Entrepreneurship (e-Journal)
Publisher : Pusat Penelitian dan Pengabdian Pada Masyarakat (P3M) STIE Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55208/g9w6ds25

Abstract

This study aims to investigate the impact of brand image and customer trust on customer loyalty, mediated via customer satisfaction. Gender is employed as an independent variable to mitigate the impact of brand image and customer trust variables on customer loyalty. This study utilized data from 250 respondents who completed a questionnaire issued to BSI customers in the Malang Raya area. Purposive sampling and proportional random sampling are two distinct methods used for sampling. A proportional random sampling method was employed to ensure that the percentage of respondents from Malang City, Malang Regency, and Batu City was maintained. The research used the Structural Equation Modeling - Partial Least Squares (SEM-PLS) approach. These data indicate that brand image and customer satisfaction substantially impact customer loyalty. However, customer trust does not have a significant effect on customer loyalty. Moreover, the brand's image and the level of consumer trust notably impact customer satisfaction. The findings of this study indicate that customer satisfaction serves as an intermediary variable that influences brand image and consumer trust, ultimately affecting customer loyalty. In addition, gender cannot reduce the impact of brand image and customer trust.
Financial Distress Risk in Sharia Rural Banks: Interactions of Ratios and Macroeconomics Nala Widya Aprelia; Titis Miranti
IQTISHODUNA IQTISHODUNA (Vol. 22, No. 1, 2026)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/iq.v22i1.41356

Abstract

This study aims to determine the extent to which financial ratios can predict financial distress in BPRS on the island of Java. It also examines the influence of Third Party Funds (DPK) and inflation in moderating the relationship between financial ratios and financial distress. The independent variables include solvency, profitability, efficiency, liquidity, and leverage ratios. The population for this study is BPRS located on the island of Java, with a sample size of 82 BPRS. The study period covers the years 2019-2024, resulting in 492 observations. Data analysis uses panel data regression and Moderated Regression Analysis (MRA). The results show that, partially, solvency, profitability, efficiency, liquidity, and leverage ratios have not been able to explain financial distress in BPRS on the island of Java. In addition, it is found that DPK and inflation are able to moderate the variables of solvency, profitability, efficiency, and leverage toward financial distress. However, they cannot moderate the influence of the liquidity ratio on financial distress. This study illustrates that model complexity can provide different policy directions regarding the resilience of BPRS in facing economic developments.
Determinants of Firm Value in ASEAN Islamic Banking: The Mediating Role of Profitability Zahrotul Jazilah; Titis Miranti
Al Dzahab Vol. 7 No. 2 (2026): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/ddx1xc78

Abstract

Purpose: This study aims to analyze the influence of intellectual capital (IC), capital adequacy ratio (CAR), and risk management disclosure (RMD) on increasing the value of Islamic banking through financial performance as an intermediary. Design/Methodology/Approach: This study employs a quantitative method with an explanatory-causal approach. The sample consists of 16 Islamic banks in the ASEAN region that have published complete and consecutive annual financial reports for the period 2018-2024, selected using purposive sampling. Data were sourced from secondary sources and analyzed using panel data regression and the Sobel test (mediation test). Findings: The findings reveal that intellectual capital has a notable impact on firm value. In contrast, the capital adequacy ratio and risk management disclosure do not have a significant effect on firm value within ASEAN's Islamic banking sector. Furthermore, profitability plays a crucial role in influencing firm value in this context. Intellectual capital also significantly affects profitability in ASEAN's Islamic banking sector. On the other hand, the capital adequacy ratio and risk management disclosure do not have a significant impact on profitability in ASEAN's Islamic banking sector. Profitability serves as a mediator for the influence of intellectual capital on firm value in ASEAN's Islamic banking sector. However, it does not mediate the effects of the capital adequacy ratio and risk management disclosure on firm value in this sector. Research Implications: The study is unique because it thoroughly evaluates this dual-theory model in different ASEAN countries from 2018 to 2024, adding to the limited cross-country evidence in ASEAN Islamic banking. Unlike intellectual capital, the capital adequacy ratio and risk management disclosure do not provide competitive advantages or credible market signals. This suggests that investors may see them mainly as compliance measures rather than value-creating resources. In practice, regulators and management should move from strict compliance-focused frameworks to standardized disclosures of knowledge-based assets and strategic development of intellectual capital. This approach will ensure sustainable financial performance in the region and increase firm value.
The Resilience of Sharia Insurance in MENA During the COVID-19 Pandemic: An Analysis of Financial Performance Titis Miranti; Kurniawati Meylianingrum
Economica: Jurnal Ekonomi Islam Vol. 14 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2023.14.1.12617

Abstract

The COVID-19 pandemic affects financial institutions worldwide, including Islamic financial institutions such as sharia insurance. This research focuses on sharia insurance in the Middle East and North Africa (MENA) that provide governance mechanisms and audit quality. The value of sharia insurance income in the MENA did not show a certain trend during the study period, although there were some extreme values during this COVID-19 pandemic. This study aims to examine the effect of the COVID-19 pandemic on sharia insurance earned in MENA. The quarterly data from 2010 to 2020 is used with panel regression as an analytical tool. As a result, the COVID-19 pandemic had no significant effect on sharia insurance earned in MENA. On the other hand, net income, long-term investment, assets have a significant effect. It shows that most sharia insurance in the MENA can survive during the COVID-19 pandemic. This study also confirms that Islamic financial institutions are still the best in their ability to stay during the COVID-19 pandemic. Moreover, sharia insurance is an alternative for welfare protection for residents in the MENA.
Co-Authors Ailsa Nabila Az Zahra Amanda Ilmi Yuniarsi Asikin Arini Mar'ah Sholikah Barianto Nurasri Sudarmawan Faidatul Amalina Kurniawati Meylianingrum Laila M. Pimada Luluk Ul Mukharramah M Rijali Ilmi Muhammad Saiful Kalam Nala Widya Aprelia Nanda Afiq Mukhdlor Nihayatu Aslamatis Solekah Nur Avni Aulia Nur Khatimah Panji Anugrah Sampurna Rahma Nurlaili Salsabiila Salsabiila Setiani Ulfi Kartika Oktaviana Yulia Widayati Zahrotul Jazilah