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All Journal Sinkron : Jurnal dan Penelitian Teknik Informatika al-Uqud : Journal of Islamic Economics JURNAL PENELITIAN International Journal of Islamic Business and Economics (IJIBEC) El-Barka: Journal of Islamic Economics and Business Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Darmabakti : Junal Pengabdian dan Pemberdayaan Masyarakat Neraca International Journal of Community Service Islamic Business and Finance (IBF) Journal of Islamic Economics Share: Jurnal Ekonomi dan Keuangan Islam CITIZEN: Jurnal Ilmiah Mulitidisiplin Indonesia Journal of Islamic Economics and Finance Jurnal Manajemen dan Perbankan (JUMPA) Neo Journal of economy and social humanities KENDALI: Economics and Social Humanities Sahmiyya: Jurnal Ekonomi dan Bisnis Journal of Islamic Economics and Finance Velocity: Journal of Sharia Finance and Banking DIMASEKA Jurnal Pengabdian Masyarakat Jurnal Hukum Islam Jurnal Social Society International Journal of Islamic Business and Economics (IJIBEC) Nidhomiya: Research Journal of Islamic Philanthropy and Disaster
Tamamudin
UIN K.H. Abdurrahman Wahid Pekalongan
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 Public Health Social Sciences Other

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Strategi Adaptasi Usaha Batik Pekalongan di Tengah Gempuran Produk Fast Fashion Adella, Desy; Tamamudin; Ayatullah Sadali
KENDALI: Economics and Social Humanities Vol. 3 No. 3 (2025): KENDALI: Economics and Social Sciences Humanities.
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v3i3.699

Abstract

Penelitian ini bertujuan untuk mengkaji strategi adaptasi yang dilakukan oleh pelaku usaha mikro, kecil, dan menengah (UMKM) batik di Pekalongan dalam menghadapi serangan industri fast fashion. Melalui pendekatan kualitatif deskriptif, data dikumpulkan melalui wawancara mendalam dengan beberapa pemilik usaha batik tradisional. Hasil penelitian menunjukkan bahwa pelaku UMKM menghadapi tantangan dalam persaingan harga, tren pasar yang berubah dengan cepat, dan rendahnya literasi digital. Strategi adaptasi meliputi diversifikasi produk, inovasi desain, pemanfaatan media sosial, dan kolaborasi dengan mitra bisnis. Meskipun menghadapi keterbatasan, pelaku usaha tetap berkomitmen untuk mempertahankan nilai budaya batik. Studi ini menyimpulkan bahwa sinergi antara pelaku usaha, pemerintah, dan masyarakat diperlukan untuk menciptakan ekosistem industri batik yang berkelanjutan secara ekonomi dan budaya.
Pengembangan Pemasaran Produk UMKM Bebasis Digital Online Tiktok dan Capcut Izza, M; Setiawan, Drajat; Tamamudin, Tamamudin; Naja, Hilya; Ikawati, Ikawati
Jurnal Pengabdian Masyarakat Vol. 4 No. 1 (2025): Juni 2025
Publisher : Unity Academy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70340/japamas.v4i1.220

Abstract

Marketing through conventional online social media (Facebook and Whatshapp) has not been sufficient to meet the expectations desired by MSMEs, therefore it is necessary to use other social media that are more effective and potential. This empowerment method uses Active Participation Research (PAR). The number of data is 17 MSMEs in Sinbangkulon Village, Pekalongan Regency. Empowerment starts from preparation, mapping activities and live marketing actions through online media. The results of this community empowerment show that first, the majority of MSMEs already have online digital marketing media with the type of social media (Facebook and Whatshapp) with an age range of one to six years. Second, marketing through online media TikTok and CapCut is easier than on social media (58%) and this online media is used as a development marketing media (64.8% TikTok, 23.3% CapCut and other Whatshapp). Marketing on this online media has a more positive impact (64.7%) than social media (36.3%). So TikTok and CapCut have become a trend in online digital marketing development media by the majority of MSMEs as a support for product sales.
Integration of Financial Literacy and Ethical Values in Controlling Impulsive Buying In Generation Z on Social Media Perdana, Baratadewa Sakti; Tamamudin; Hendri Hermawan Adinugraha
El Barka Vol. 7 No. 1 (2024)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v7i1.8812

Abstract

This study explores the role of financial literacy and ethical values in controlling impulsive buying behavior among Generation Z, especially in the context of digital platforms. This study uses a qualitative method with Thematic Analysis to examine how these two factors affect self-control in financial decision-making. Data were collected through interviews with Generation Z respondents, which showed that strong ethical values, instilled through religious teachings and cultural culture built into the family, significantly increased self-control, even when financial literacy was limited. These findings suggest that when ethical values are combined with good financial literacy, self-control becomes increasingly strong, allowing individuals to avoid impulsive buying and make more informed financial decisions. The study also recommends the application of Imam Shafi'i's principles in prioritizing the most important and urgent needs, which translates into the "Eisenhower Matrix" method, as an effective strategy for managing impulsive buying behavior. Although this study has some limitations, such as a small sample size and a focus on a single region, these findings provide important insights for efforts to control consumptive behavior among Generation Z.
Pengaruh Store Atmosphere dan Kualitas Pelayanan terhadap Loyalitas dengan Kepuasan Sebagai Variabel Intervening Tamamudin; Sulaiman Helmi
Journal Of Islamic Economics And Finance Vol 5 No 1 (2025): Vol. 5 No. 1 (2025)
Publisher : UIN K.H. ABDURRAHMAN WAHID PEKALONGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jief.v5i1.10662

Abstract

The increasing intensity of business competition requires companies to continually innovate and prioritize customer satisfaction to foster long-term loyalty. This study aims to analyze the effect of store atmosphere and service quality on customer loyalty, with customer satisfaction as an intervening variable. This research employs a quantitative approach using a survey method, with data collected from 96 respondents through accidental sampling. Path analysis was utilized for data analysis using SPSS 23. The findings reveal that store atmosphere has a direct influence on both customer satisfaction and loyalty. In contrast, service quality does not significantly affect customer satisfaction but does directly impact customer loyalty. Furthermore, customer satisfaction does not directly influence loyalty but mediates the relationship between store atmosphere and customer loyalty. These results highlight the strategic importance of creating a positive store atmosphere to enhance shopping experiences and build emotional connections with customers. While service quality remains crucial, its impact on loyalty appears to be more direct than mediated through satisfaction. The study recommends that retail businesses focus on improving store atmosphere as a core component of their marketing strategy.
An Analysis of Halal Regulation and Its Implications for MSMEs: A Systematic Literature Review Awalludin, Taufiq; Tamamudin, Tamamudin; Sadali, Ayatullah
Neraca Vol. 21 No. 1 (2025): NERACA
Publisher : FEB Universitas Muhammadiyah Pekajangan Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.48144/neraca.v21i1.2099

Abstract

This study aims to analyze halal regulations and their implications for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia through a systematic literature review approach. The halal regulations, established by Law Number 33 of 2014 concerning Halal Product Assurance, mandate businesses to comply with halal certification standards, directly impacting the dynamics of MSME operations. Using the PRISMA 2020-based systematic literature review method, this study identified and synthesized 40 selected scholarly articles from major databases such as Scopus, Google Scholar, and ScienceDirect. The analysis reveals that the implementation of halal regulations offers significant opportunities for MSMEs to enhance competitiveness, market access, and consumer trust, particularly in the rapidly growing domestic and global halal markets. However, notable challenges were also identified, including limited access to information, relatively high certification costs, and insufficient technical assistance from relevant institutions. These implications call for collaborative strategies between the government, certification bodies, and MSMEs to create an inclusive and sustainable halal ecosystem. This study contributes original insights to the literature by offering a critical synthesis of the dynamics surrounding halal regulation and evidence-based policy recommendations to strengthen the MSME sector. It is expected that this research will serve as a vital reference for policymakers, academics, and practitioners in optimizing the potential of the national halal sector.   REFERENSI Ab Talib, M. S., & Hamid, A. B. A. (2014). Halal logistics and the impact on supply chain management: A conceptual framework. International Journal of Logistics Systems and Management, 17(3), 269–290. https://doi.org/10.1504/IJLSM.2014.059821 Ab Talib, M.S., & Hamid, A.B.A. (2014). Halal logistics in Malaysia: A SWOT analysis. Journal of Islamic Marketing, 5(3), 322–343. https://doi.org/10.1108/JIMA-03-2013-0018 Abd Rahman, A., Asrarhaghighi, E., & Ab Rahman, S. (2015). Consumers and halal cosmetic products: Knowledge, religiosity, attitude and intention. Journal of Islamic Marketing, 6(1), 148–163. https://doi.org/10.1108/JIMA-09-2013-0068 Alserhan, B. A. (2010). On Islamic branding: Brands as good deeds. Journal of Islamic Marketing, 1(2), 101–106. https://doi.org/10.1108/17590831011055842 Ambali, A. R., & Bakar, A. N. (2014). People's awareness on halal foods and products: Potential issues for policy-makers. Procedia - Social and Behavioral Sciences, 121, 3–25. https://doi.org/10.1016/j.sbspro.2014.01.1104 Awan, H.M., Siddiquei, A.N., & Haider, Z. (2015). Factors affecting Halal purchase intention: Evidence from Pakistan’s Halal food sector. Management Research Review, 38(6), 640–660. https://doi.org/10.1108/MRR-01-2014-0022 Bonne, K., & Verbeke, W. (2008). Religious values informing halal meat production and the control and delivery of halal credence quality. Agriculture and Human Values, 25, 35–47. https://doi.org/10.1007/s10460-007-9076-y Fauzia, A., & Latief, I. (2021). Biaya sertifikasi halal dan dampaknya terhadap UMKM pangan. Jurnal Manajemen Usaha Kecil, 9(3), 201–215. Golnaz, R., Zainalabidin, M., Mad Nasir, S., & Eddie Chiew, F. C. (2010). Non-Muslims’ awareness of halal principles and related food products in Malaysia. International Food Research Journal, 17(3), 667–674. Lada, S., Tanakinjal, G. H., & Amin, H. (2009). Predicting intention to choose halal products using Theory of Reasoned Action. International Journal of Islamic and Middle Eastern Finance and Management, 2(1), 66–76. https://doi.org/10.1108/17538390910946276 Mohayidin, M.G., & Kamarulzaman, Y. (2014). Halal logistics: the Malaysian perspective. Asia Pacific Journal of Marketing and Logistics, 26(4), 556–573. https://doi.org/10.1108/APJML-06-2013-0066 Muhammad, N., Leong, V.S., & Nadarajah, D. (2016). Halal food certification and business performance: The Malaysian food manufacturing industry. British Food Journal, 118(8), 1973–1987. https://doi.org/10.1108/BFJ-12-2015-0487 Norazah, M. S. (2015). Halal certification: A strategic marketing tool for small and medium enterprises (SMEs) in Malaysia. Procedia - Social and Behavioral Sciences, 172, 42–48. https://doi.org/10.1016/j.sbspro.2015.01.334 Page, M. J., McKenzie, J. E., Bossuyt, P. M., Boutron, I., Hoffmann, T. C., Mulrow, C. D., ... & Moher, D. (2021). The PRISMA 2020 statement: An updated guideline for reporting systematic reviews. BMJ, 372, n71. https://doi.org/10.1136/bmj.n71 Rachmawati, R., Nugroho, Y., & Prasetyo, E. (2020). Peluang ekspor produk halal Indonesia dalam meningkatkan daya saing UMKM. Jurnal Perdagangan Internasional, 12(1), 77–90. Rezai, G., Mohamed, Z., & Shamsudin, M.N. (2012). Non-Muslim consumers’ understanding of Halal principles in Malaysia. Journal of Islamic Marketing, 3(1), 35–46. https://doi.org/10.1108/17590831211206572 Riaz, M. N., & Chaudry, M. M. (2004). Halal Food Production. CRC Press. https://doi.org/10.1201/9780203490035 Sani, N.A.M., & Dahlan, H.A. (2015). A Holistic Halal Ecosystem for Malaysian SMEs: A Preliminary Insight. Procedia Economics and Finance, 37, 514–520. https://doi.org/10.1016/S2212-5671(16)30159-0 Snyder, H. (2019). Literature review as a research methodology: An overview and guidelines. Journal of Business Research, 104, 333–339. https://doi.org/10.1016/j.jbusres.2019.07.039 Tieman, M. (2011). The application of Halal in supply chain management: in-depth interviews. Journal of Islamic Marketing, 2(2), 186–195. https://doi.org/10.1108/17590831111139893 Tieman, M., Vorst, J.G.A.J., & Ghazali, M.C. (2012). Principles in halal supply chain management. Journal of Islamic Marketing, 3(3), 217–243. https://doi.org/10.1108/17590831211259727 Tieman, M. (2011). The application of halal in supply chain management: In-depth interviews. Journal of Islamic Marketing, 2(2), 186–195. https://doi.org/10.1108/17590831111139893 Tieman, M., van der Vorst, J. G. A. J., & Ghazali, M. C. (2012). Principles in halal supply chain management. Journal of Islamic Marketing, 3(3), 217–243. https://doi.org/10.1108/17590831211259727 Tranfield, D., Denyer, D., & Smart, P. (2003). Towards a methodology for developing evidence-informed management knowledge by means of systematic review. British Journal of Management, 14(3), 207–222. https://doi.org/10.1111/1467-8551.00375 Winarno, F. G., & Purwanti, T. (2021). Tantangan UMKM dalam implementasi sertifikasi halal: Analisis di Kota Bandung. Jurnal Industri dan Usaha Kecil, 16(2), 134–148. Winarno, F.G., & Purwanti, T. (2021). Tantangan UMKM dalam Implementasi Sertifikasi Halal: Analisis di Kota Bandung. Jurnal Industri dan Usaha Kecil, 16(2), 134–148. Wilson, J. A. J., & Liu, J. (2011). The challenges of Islamic branding: Navigating emotions and halal. Journal of Islamic Marketing, 2(1), 28–42. https://doi.org/10.1108/17590831111115222 Yusof, S.A.M., & Jusoh, W.J.W. (2013). Islamic branding: the understanding and perceptions of Muslim consumers in Malaysia. Asian Social Science, 9(10), 92–101. https://doi.org/10.5539/ass.v9n10p92  
Build Loyalty with Islamic Relationship Marketing and Trust Through Satisfaction Tamamudin; Saddam Husein; Anas Hidayat
International Journal of Islamic Business and Economics (IJIBEC) Vol 6 No 1 (2022): Volume 6 Nomor 1 Tahun 2022
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v6i1.3938

Abstract

This study examines and explains how loyalty is built with Islamic relationship marketing and trust through customer satisfaction. The success of a company in getting satisfied customers will have an impact on customer loyalty. Although relationship marketing research is a popular topic, research on relationship marketing from an Islamic perspective is very limited. Relationship marketing from an Islamic perspective is interesting because it is very relevant to be practicedin today's business development. The quantitative approach used in this study, the data collection method through questionnaires with non-probability sampling techniques, the number of respondents was 76, the data analysis technique used in this study was Path Analysis. The results showed that there was a relationship between Islamic relationship marketing and trust which had a direct effect on customer satisfaction. Islamic relationship marketing and trust directly affect loyalty, and consumer satisfaction has a direct effect on loyalty. Consumer satisfaction can play a role as a mediating variable between Islamic relationship marketing and trust on loyalty.
The Relation Between Price, Product Quality, And Image of A Batik Brand Toward Customer Satisfaction Tamamudin
International Journal of Islamic Business and Economics (IJIBEC) Vol 1 No 1 (2017): Volume 1 Nomor 1 Tahun 2017
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v1i1.883

Abstract

This study reviews whether there is a relation between price, product quality, and image of a batik brand toward customer satisfaction. This study uses quantitative research. The method that is used in collecting primary data is random sampling method. There are a hundred (100) responders as the sample of this study. The data in this study is obtained from questionnaire (primary), several observations, and direct interview with the party who is related to customer criteria that comes to buy Batik Tamina between July and September 2016. The analysis technique of this study is multiple regression analysis and the hypothesis test of this study is partial T−test and simultaneous F−test with less than 5% (0.05) of significance level, and Coefficient Determination Test (R2). The result of this study shows that price (X1) has a relation to customer satisfaction (Y) with 0.046<0.05 of significance level. Product quality (X2) has no significant relation to customer satisfaction (Y) with 0.138>0.05 of significance level. Partially, a brand's image (X3) has a significant relation to customer satisfaction (Y) with 0.00>0.05 of significance level. The amount of the relation between price (X1), product quality variables (X2), and brand's image variables (X3) toward the customer satisfaction variables (Y) is 40.5% while the rest (59.5) are explained by other factors that are not mentioned in this study.
Analisis Proyeksi Tingkat Pengangguran Terbuka di 38 Provinsi Periode 2021-2025 Rahmah, Hatma Aura; Tamamudin, Tamamudin; Sadali, Ayatullah
Journal Social Society Vol. 5 No. 1 (2025): Januari - Juni 2025
Publisher : Pustaka Digital Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54065/jss.5.1.2025.674

Abstract

Penelitian ini bertujuan untuk mengeksplorasi dinamika spasial dan temporal Tingkat Pengangguran Terbuka (TPT) di 38 provinsi di Indonesia selama periode 2021–2025, di tengah penurunan TPT secara nasional yang belum diikuti dengan pemerataan pemulihan pasar kerja. Urgensi penelitian ini terletak pada pentingnya memahami ketimpangan regional dalam pengangguran terbuka sebagai cerminan ketidakmerataan pembangunan, sehingga dapat mendukung perumusan kebijakan ketenagakerjaan yang kontekstual dan berkelanjutan. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan strategi studi dokumenter. Data yang dianalisis merupakan data sekunder yang dikumpulkan dari Badan Pusat Statistik (BPS), laporan pemerintah, serta hasil kajian dari lembaga independen selama periode lima tahun. Teknik analisis data dilakukan melalui analisis isi (content analysis) untuk memahami faktor-faktor sosial, ekonomi, dan kelembagaan yang memengaruhi TPT, serta analisis spasial deskriptif untuk memetakan pola dan arah pergeseran pengangguran antarwilayah. Hasil penelitian menunjukkan bahwa provinsi di wilayah barat, seperti Jawa Barat dan Banten, mengalami TPT tinggi akibat tekanan urbanisasi, pertumbuhan penduduk usia kerja, dan stagnasi daya serap sektor industri. Sebaliknya, wilayah timur seperti Papua menghadapi hambatan struktural berupa keterbatasan infrastruktur, rendahnya mobilitas kerja, dan lemahnya lembaga pelatihan kerja. Provinsi Bali secara konsisten mencatat TPT terendah karena kekuatan sektor jasa, terutama pariwisata, serta sistem pelatihan vokasional yang adaptif. Penelitian ini menyimpulkan bahwa pengangguran terbuka tidak semata-mata disebabkan oleh faktor ekonomi, melainkan juga oleh aspek demografi, geografis, dan kelembagaan. Temuan ini menegaskan perlunya strategi ketenagakerjaan berbasis lokal yang adaptif terhadap kondisi wilayah untuk mengurangi kesenjangan dan kemiskinan secara lebih inklusif.
Sharia-Compliant Digital Marketing: Trends and Challenges in Indonesia's Financial Sector (2024-2025) Samudra, Dio; Tamamudin, Tamamudin
Neo Journal of economy and social humanities Vol 4 No 3 (2025): Neo Journal of Economy and Social Humanities
Publisher : International Publisher (YAPENBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/nejesh.v4i3.342

Abstract

The rapid digitalization of Indonesia's financial sector has created unprecedented opportunities and challenges for Sharia-compliant institutions seeking to expand their market reach while adhering to Islamic principles. This literature review examines the current trends and challenges in digital marketing practices among Indonesian Islamic financial institutions from 2024 to 2025. Through a systematic analysis of 45 peer-reviewed articles, regulatory documents, and industry reports, this study identifies key developments in Sharia-compliant digital marketing strategies, including the adoption of artificial intelligence, social media engagement, and mobile-first approaches. The findings reveal that while Indonesian Islamic financial institutions have successfully leveraged digital platforms to enhance customer acquisition and retention, significant challenges persist in ensuring full Sharia compliance in digital advertising, managing cybersecurity risks, and addressing the digital divide among target demographics. The research identifies four primary trends: increased use of Islamic fintech partnerships, personalized halal investment recommendations through AI, community-driven social media campaigns, and blockchain-based transparent financial products. Key challenges include regulatory ambiguity regarding digital Sharia compliance, competition from conventional digital banks, limited digital literacy among traditional Islamic banking customers, and the need for specialized talent in both Islamic finance and digital marketing. This study contributes to the growing body of knowledge on Islamic digital finance by providing a comprehensive overview of current practices and offering strategic recommendations.
Islamic Banking Efficiency and Sharia Compliance: Comparative Insights from Indonesia and Malaysia Pratama, Versiandika Yudha; Suryo, Ibnu; Rismawati, Shinta Dewi; Devy, Happy Sista; Tamamudin, Tamamudin
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 14 No. 2 (2025): IN PROGRESS
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.29499

Abstract

The rapid expansion of Islamic banking in Southeast Asia has positioned Indonesia and Malaysia as central actors in the global Islamic finance landscape. However, despite their shared religious and economic foundations, structural differences in regulatory frameworks, financial innovation, and market development have produced varying levels of institutional performance and sharia compliance. This study aims to compare the financial and sharia performance of Islamic commercial banks in both countries by employing the Sharia Conformity and Profitability Index (SCnPI), which integrates sharia compliance indicators—Zakat Performance Ratio (ZPR), Profit Sharing Ratio (PSR), and Islamic Income Ratio (IIR)—with profitability indicators—Return on Assets (ROA), Return on Equity (ROE), and Net Profit Margin (NPM). Using a quantitative comparative design, the study analyzes secondary data from 25 Islamic commercial banks (12 from Indonesia and 13 from Malaysia) for the 2022–2023 period, selected through purposive sampling. Data were analyzed using the Shapiro–Wilk test for normality and either the independent sample t-test or Wilcoxon signed-rank test for mean comparison. The results indicate significant differences in PSR and NPM, with Indonesia showing higher PSR values due to dominant musyarakah-based financing, and Malaysia exhibiting higher NPM, reflecting stronger cost efficiency and profit management. Other indicators show no statistical difference. These findings emphasize the influence of governance systems and managerial focus on financial outcomes and suggest that improving transparency, risk-sharing mechanisms, and operational efficiency could enhance Islamic banking resilience across the region. Abstrak Efisiensi dan Kepatuhan Syariah dalam Perbankan Syariah: Analisis Komparatif dari Indonesia dan Malaysia. Perkembangan pesat perbankan syariah di Asia Tenggara menempatkan Indonesia dan Malaysia sebagai dua negara utama dalam industri keuangan Islam global. Namun, meskipun memiliki dasar ekonomi dan religius yang serupa, perbedaan dalam kerangka regulasi, inovasi keuangan, dan tingkat kematangan pasar menyebabkan variasi dalam kinerja institusional dan kepatuhan terhadap prinsip syariah. Penelitian ini bertujuan membandingkan kinerja keuangan dan kepatuhan syariah bank umum syariah di kedua negara dengan menggunakan Sharia Conformity and Profitability Index (SCnPI), yang mengintegrasikan indikator kepatuhan syariah—Rasio Kinerja Zakat (ZPR), Rasio Bagi Hasil (PSR), dan Rasio Pendapatan Syariah (IIR)—dengan indikator profitabilitas—Return on Assets (ROA), Return on Equity (ROE), dan Net Profit Margin (NPM). Penelitian kuantitatif ini menggunakan data sekunder dari 25 bank umum syariah (12 dari Indonesia dan 13 dari Malaysia) periode 2022–2023 yang dipilih melalui metode purposive sampling. Analisis data dilakukan menggunakan uji normalitas Shapiro–Wilk dan uji komparatif t-test sampel independen atau uji peringkat bertanda Wilcoxon. Hasil penelitian menunjukkan perbedaan signifikan pada PSR dan NPM, di mana bank syariah Indonesia memiliki PSR lebih tinggi karena dominasi pembiayaan musyarakah, sedangkan Malaysia memiliki NPM lebih tinggi yang mencerminkan efisiensi biaya dan manajemen laba yang lebih baik. Indikator lainnya tidak menunjukkan perbedaan signifikan. Temuan ini menegaskan pengaruh sistem tata kelola dan orientasi manajerial terhadap kinerja keuangan serta pentingnya peningkatan transparansi, mekanisme bagi hasil, dan efisiensi operasional dalam memperkuat ketahanan perbankan syariah di kawasan.
Co-Authors Ade Dedi Rohayana ADELLA, DESY Ali Muhtarom Anas Hidayat Anas Hidayat Arif Budiharjo Ayatullah Ayatullah, Ayatullah Ayatullah Sadali Desy Prastyani Devy, Happy Sista Fadillah Syaufii, Farah Firdaus, Muhammad Izzat Hendri Hermawan Adinugraha Hermawan Adinugraha, Hendri Ikawati, Ikawati Izza, M Kamila, Dzakiyya Salma Khusnul Marom M. Sultan Mubarok Machruf, Awalludin Mansur Chadi Mursid Marotina, Nia maulana rizki Mochamad Yusuf Mohammad Rosyada Muhammad Aris Syafi&#039;i Naja, Hilya Palupi, Yuniarsih Endah Perdana, Baratadewa Sakti Rahmah, Hatma Aura Ritanti, Nabila Khoirunnisa rizky andrean Rizqi Toyibah Rohmad Abidin Rohmad Abidin, Rohmad Rosalina, Ulfa Rosyada, Mohammad Rusyida, Wilda Yulia Sadali, Ayatullah Saddam Husein Saddam Husein Samudra, Dio Sejati, Dhimas Ilham Setiawan, Drajat Shinta Dewi Rismawati Sulaiman Helmi Suryo, Ibnu Su’daa, Saniyya Nabila Syakirunni'am, Luqman Versiandika Yudha Pratama