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All Journal KEUNIS EKSPANSI Jurnal Ilmiah Universitas Batanghari Jambi al-Afkar, Journal For Islamic Studies PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Amwaluna Jurnal Ekonomi dan Keuangan Syariah International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Iqtisaduna Jurnal Riset Ekonomi Syariah Bandung Conference Series : Sharia Economic Law Bandung Conference Series : Syariah Banking Journal of Islamic Economics and Business Jurnal Ekonomi Syariah Indonesia Jurnal Riset Perbankan Syariah LAN TABUR: JURNAL EKONOMI SYARIAH
Yayat Rahmat Hidayat
Prodi Hukum Ekonomi Syariah, Fakultas Syariah, Universitas Islam Bandung, Indonesia.
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Do Islamic Rural Banks in West Java Become More Efficient Over Time? A Panel Stochastic Frontier Analysis Mohamad Andri Ibrahim; Alya Naima Siti Najwa; Yayat Rahmat Hidayat; Panji Adam Agus Putra
KEUNIS Vol. 14 No. 2 (2026): JULY 2026
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/keunis.v14i2.7433

Abstract

Islamic Rural Banks (BPRS) play a crucial role in Indonesia’s Islamic microfinance sector, specifically in serving underbanked communities in rural areas. Therefore, understanding their efficiency dynamics is essential for ensuring long-term sustainability and assisting evidence-based policy formulation, particularly in the post-pandemic context where operational challenges intensify. This study investigates the efficiency dynamics of BPRS in West Java over the 2020–2023 period, decomposing efficiency into production and revenue components to identify specific sources of inefficiency. Using panel Stochastic Frontier Analysis (SFA) with 108 bank-year observations from 27 BPRS institutions, this study estimates both cost and profit efficiencies while controlling for environmental factors. The time-varying inefficiency model enables systematic assessments of temporal efficiency trends. The results reveal exceptionally high production efficiency (mean = 99.99%), indicating optimal input use. However, revenue efficiency shows substantial variation (mean = 72%) and a slight decline from 72.77% in 2020 to 71.6% in 2023. Contrary to the organisational learning theory, overall technical efficiency does not improve over time; instead, it decreases from 86.38% to 85.79%. This study provides the first evidence on BPRS temporal efficiency dynamics in the post-pandemic period and demonstrates that efficiency challenges stem primarily from revenue generation rather than operational weaknesses.
Pengaruh Literasi Keuangan, Akses Layanan, dan Lingkungan Sosial terhadap Preferensi Masyarakat dalam Menggunakan Bank Emok Krisna Kurnia; Yayat Rahmat Hidayat
Jurnal Riset Perbankan Syariah Volume 5, No. 1, Juli 2026, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

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Abstract

Abstrak. Bank sebagai lembaga keuangan yang salah satu fungsinya adalah menghimpun dana masyarakat memiliki sumber penghimpunan dana sebelum disalurkan kembali kepada masyarakat. Bank syariah memperoleh sumber pendanaan dari modal inti dan dana pihak ketiga yang telah dikelompokkan dalam dana titipan serta kuasi ekuitas. Kampung Barulaskana terletak di Kecamatan Parongpong, Desa Karyawangi, dengan mayoritas masyarakat beragama Islam. Namun, masih banyak masyarakat Barulaksana yang lebih memilih produk pembiayaan yang tidak sesuai syariah seperti Bank Emok. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, akses layanan, dan lingkungan sosial terhadap preferensi masyarakat, baik secara parsial maupun simultan. Metode yang digunakan adalah kuantitatif dengan data primer berupa kuesioner yang dianalisis menggunakan regresi berganda melalui perangkat lunak SPSS Versi 27 dengan tingkat signifikansi 95%. Hasil penelitian menunjukkan bahwa secara parsial, literasi keuangan, akses layanan, dan lingkungan sosial berpengaruh signifikan terhadap preferensi masyarakat. Secara simultan, seluruh variabel independen berpengaruh signifikan dengan nilai Adjusted R-Square sebesar 76,6%, menunjukkan bahwa faktor-faktor tersebut secara bersama-sama menjelaskan 76,6% variasi dalam preferensi masyarakat. Temuan ini memberikan wawasan penting bagi masyarakat dalam menentukan penggunaan lembaga keuangan yang tepat untuk berkelanjutan.Abstract. Bank as a financial institution whose function is to collect public funds must have a source of fund collection before being distributed back to the community. Islamic banks obtain funding sources from core capital and third party funds classified as deposit funds and quasi equity. Barulaskana Village is located in Parongpong District, Karyawangi Village, where most of the people are Muslim. However, many Barulaksana residents still prefer financing products that are not in accordance with sharia such as Bank Emok. This study aims to analyze the influence of financial literacy, service access, and social environment on community preferences, both partially and simultaneously. The method used is quantitative with primary data in the form of questionnaires analyzed using multiple regression through SPSS Version 27 software with a significance level of 95%. The results indicate that partially, financial literacy, service access, and the social environment significantly influence community preferences. Simultaneously, all independent variables had a significant effect, with an Adjusted R-Square value of 76.6%, indicating that these factors together explain 76.6% of the variation in community preferences. These findings provide important insights for the community in determining the appropriate use of financial institutions for sustainability.
MODEL KESIAPAN PEMERINTAH DAERAH DAN EKOSISTEM KEUANGAN SYARIAH DALAM PEMBENTUKAN KOPERASI MERAH PUTIH BERBASIS LEMBAGA KEUANGAN MIKRO SYARIAH: STUDI KASUS DI PROVINSI JAWA BARAT Popon Srisusilawati; Yayat Rahmat Hidayat; Mohamad Andri Ibrahim; Nanik Eprianti; Raditya Gantari Ahmad Riyadi; Muawia Y.I. Alzamli
Jurnal Ekonomi Syariah Indonesia (JESI) Vol. 5 No. 1 (2026): Maret
Publisher : STEI Al-Amar Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57171/jesi.v5i1.418

Abstract

Transformasi Koperasi Desa/Kelurahan Merah Putih merupakan salah satu kebijakan strategis pemerintah dalam memperkuat ekonomi kerakyatan melalui pengembangan koperasi yang modern, inklusif, dan berkelanjutan. Keberhasilan implementasi kebijakan tersebut tidak hanya bergantung pada pembentukan kelembagaan koperasi, tetapi juga pada kesiapan pemerintah daerah serta dukungan ekosistem keuangan syariah, khususnya Lembaga Keuangan Mikro Syariah (LKMS). Penelitian ini bertujuan menganalisis kesiapan pemerintah daerah dan ekosistem keuangan syariah di Provinsi Jawa Barat dalam mendukung transformasi Koperasi Merah Putih berbasis LKMS melalui aspek regulasi, sumber daya manusia, dan infrastruktur keuangan syariah. Penelitian menggunakan pendekatan kualitatif dengan desain studi kasus. Data diperoleh melalui wawancara mendalam, observasi, dan studi dokumentasi terhadap pemerintah daerah, pengelola koperasi, pengelola LKMS, akademisi, serta pemangku kepentingan terkait. Analisis data dilakukan menggunakan model interaktif Miles, Huberman, dan Saldaña yang meliputi reduksi data, penyajian data, serta penarikan kesimpulan. Hasil penelitian menunjukkan bahwa keberhasilan transformasi Koperasi Merah Putih dipengaruhi oleh tiga faktor utama, yaitu kesiapan regulasi, kompetensi sumber daya manusia, dan ketersediaan infrastruktur keuangan syariah. Regulasi yang adaptif memberikan kepastian dalam implementasi kebijakan, SDM yang kompeten meningkatkan profesionalisme pengelolaan koperasi, sedangkan infrastruktur digital dan akses pembiayaan syariah memperkuat efektivitas pelayanan koperasi. Selain itu, kolaborasi antara pemerintah daerah, LKMS, perguruan tinggi, dunia usaha, dan masyarakat menjadi faktor penting dalam membangun ekosistem koperasi yang modern dan berkelanjutan. Penelitian ini menghasilkan model transformasi Koperasi Merah Putih berbasis LKMS yang dapat menjadi rekomendasi bagi pemerintah daerah dalam memperkuat implementasi kebijakan koperasi berbasis ekonomi syariah.
Assessing Customer Satisfaction in Islamic Rural Banks: An Importance-Performance Analysis of BPRS Amanah Bangsa Yayat Rahmat Hidayat; Popon Srisusilawati; Nanik Eprianti; M. Andri Ibrahim
Journal of Islamic Economics and Business Vol. 5 No. 1 (2025): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v5i1.48319

Abstract

This study measures customer satisfaction at BPRS Amanah Bangsa using Importance-Performance Analysis (IPA). While previous research has mainly examined Islamic commercial banks, this study extends the application of IPA to Islamic rural banks, offering micro-level insights into service quality attributes often overlooked in the literature. Results show an average conformity level of 106.47% and a Customer Satisfaction Index (CSI) of 66.24%, indicating customers are generally satisfied. However, gaps remain in promotional tools, service responsiveness, and customer data privacy. The findings contribute by highlighting critical service areas for improvement in BPRS and demonstrating the applicability of IPA in strengthening the competitiveness of small-scale Islamic financial institutions.
Toward Net Zero: Islamic Financial Innovation in The Carbon Economy Nanik Eprianti; Mohamad Andri Ibrahim; Popon Srisusilawati; Yayat Rahmat Hidayat
al-Afkar, Journal For Islamic Studies Vol. 9 No. 1 (2026)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v9i1.2787

Abstract

Green finance has gained significant momentum in recent years, but its alignment with Islamic finance principles remains under-explored, particularly in the context of carbon pricing and carbon trading mechanisms. This is illustrated by the fact that climate change has prompted the global community to adopt various strategies, including the development of carbon market mechanisms. Exploring the potential of the carbon market as an effective tool in reducing greenhouse gas emissions, while considering the principles of Islamic finance. This study aims to develop Sharia-based sustainable financial instruments as a strategy to address the impacts of climate change through the utilization of the carbon market.  This research method uses a qualitative approach that combines bibliometric analysis, policy document reviews, and expert interviews. This study identifies critical gaps in the integration of Islamic finance with carbon market mechanisms and the design of sustainable financial instruments that comply with Sharia principles. This study uses a qualitative approach with a descriptive-exploratory method. A qualitative approach is used to understand in depth the concepts, phenomena, and characteristics of Islamic financial instruments and how they can be implemented in the carbon market. The findings show that Islamic finance has great untapped potential to mobilize ethical capital and share risks for climate-friendly projects, especially in Muslim-majority countries and emerging economies. Nevertheless, regulatory standardisation, sharia governance frameworks, and investor education remain key challenges that must be addressed to enhance the scalability and credibility of such instruments. By bridging the gap between Islamic finance and carbon economy strategies, this study contributes to the growing discourse on green Islamic finance and offers practical policy recommendations to strengthen the role of Islamic financial institutions in achieving both national and global net-zero targets.
Pengaruh DPK, Pembiayaan Mikro Syariah dan Inflasi terhadap Pertumbuhan Ekonomi Indonesia Raisya Alipya 10010322037; Udin Saripudin; Yayat Rahmat Hidayat
Bandung Conference Series: Syaria Banking Vol. 5 No. 2 (2026): Bandung Conference Series: Syariah Banking
Publisher : UPT Publikasi Ilmiah UNISBA

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Abstract

Abstract. Islamic microfinance institutions, particularly Bank Pembiayaan Rakyat Syariah (BPRS), theoretically serve an intermediary function that should accelerate national economic growth. However, although third-party funds (DPK) and financing distributed by BPRS in Indonesia grew consistently from 2015 to 2024, this growth has not always been followed by a corresponding contribution to national economic growth. This study analyzes the short-run and long-run relationship between DPK, BPRS financing, inflation, and Indonesia's economic growth (GDP), using the Autoregressive Distributed Lag (ARDL) approach on quarterly secondary data from 2015 to 2024, sourced from the Financial Services Authority (OJK), Bank Indonesia, and Statistics Indonesia (BPS). The bounds testing results confirm the existence of a long-run relationship among the variables (F-statistic = 5.34). In the short run, DPK at the second lag and BPRS financing at the third lag significantly affect GDP, while in the long run none of the independent variables show a significant partial effect, although the error correction term is negative and significant, indicating a rapid adjustment mechanism toward equilibrium. These findings are interpreted through Financial Intermediation Theory and Endogenous Growth Theory, suggesting that the intermediation function of BPRS is directionally consistent with theory but has not yet reached a scale sufficient to produce a statistically significant macroeconomic impact. Abstrak. Lembaga keuangan mikro syariah, khususnya Bank Pembiayaan Rakyat Syariah (BPRS), secara teoritis berperan sebagai lembaga intermediasi yang seharusnya mempercepat pertumbuhan ekonomi nasional. Namun, meskipun Dana Pihak Ketiga (DPK) dan pembiayaan yang disalurkan BPRS di Indonesia terus tumbuh secara konsisten selama 2015-2024, peningkatan tersebut tidak selalu diikuti oleh kontribusi yang sepadan terhadap pertumbuhan ekonomi nasional. Penelitian ini menganalisis hubungan jangka pendek dan jangka panjang antara DPK, pembiayaan BPRS, inflasi, dan pertumbuhan ekonomi Indonesia (PDB), menggunakan pendekatan Autoregressive Distributed Lag (ARDL) pada data sekunder kuartalan periode 2015-2024, bersumber dari Otoritas Jasa Keuangan (OJK), Bank Indonesia, dan Badan Pusat Statistik (BPS). Hasil uji kointegrasi bounds test mengonfirmasi adanya hubungan jangka panjang antar variabel (F-statistic = 5,34). Dalam jangka pendek, DPK pada lag kedua dan pembiayaan BPRS pada lag ketiga berpengaruh signifikan terhadap PDB, sementara dalam jangka panjang tidak ada satu pun variabel independen yang berpengaruh signifikan secara parsial, meskipun error correction term bernilai negatif dan signifikan, menunjukkan mekanisme penyesuaian yang berlangsung cepat menuju keseimbangan. Temuan ini diinterpretasikan melalui Teori Intermediasi Keuangan dan Teori Pertumbuhan Endogen, yang menunjukkan bahwa fungsi intermediasi BPRS secara arah sudah konsisten dengan teori, namun belum mencapai skala yang cukup untuk menghasilkan dampak makroekonomi yang signifikan secara statistik.
Pendampingan Pemilihan Portofolio Keuangan Syariah bagi Ibu PKK Kelurahan Kadungora Kecamatan Kadungora: Guidance in Selecting Sharia Financial Portfolio for PKK Women in Kadungora Village, Kadungora District Yayat Rahmat Hidayat; Nanik Eprianti; Popon Srisusilawati; Mohamad Andri Ibrahim
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 11 No. 6 (2026): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v11i6.10498

Abstract

The problem is that people still save in savings-and-loan cooperatives through arisan, which often ends in fraud. This is due to a lack of public knowledge and understanding of the types of Sharia financial products, and a lack of awareness of how to check financial portfolios that hold OJK permits, which contributes to the lack of public interest in using Sharia financial products. The community still has limited information about Sharia financial products. Therefore, to increase understanding and increase the use of sharia financial portfolios for the community in Kadungora village, it is necessary to assist the selection of sharia financial portfolios for PKK mothers who represent the Kadungora community. The purpose of this study is to provide the community, through PKK mothers, with knowledge about Sharia financial portfolio literacy and the benefits of Sharia financial portfolios in Kadungora Village. Mentoring activities using an innovative literacy approach are among the factors that support the Partner's goal, namely, increasing knowledge in Kadungora Village and increasing community interest in using sharia financial portfolios, thereby positively impacting the development of the sharia economy. The method in mentoring PKK mothers is by contacting and establishing cooperation with the village head in Kadungora village, then conducting an approach with a survey to Kadungora village, then gathering PKK mothers and providing an overview of mentoring activities, as well as providing literacy mentoring to PKK mothers about various types of sharia financial portfolios and the benefits, and how to calculate the profit of a sharia financial portfolio.
Capital Intensity And Asset Efficiency In Regional Islamic Banks: Evidence From Bank BJB Syariah Nanik Eprianti; Mohamad Andri Ibrahim; Yayat Rahmat Hidayat; Popon Srisusilawati; Aam Slamet Rusydiana
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 8 No. 1 (2026): September
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v8i1.231

Abstract

Introduction: Bank BJB Syariah, as a regional Islamic financial institution, continues to face challenges in maximizing financial performance, particularly in optimizing asset utilization to support product sales. This study aims to investigate the impact of Capital Intensity Ratio (CIR) a key economic metric measuring capital efficiency in generating productive assets on the asset growth of Bank BJB Syariah over the period 2009–2024. Methods: This research applies a quantitative descriptive approach using annual financial data from 2009 to 2024. The empirical analysis is conducted using simple linear regression, incorporating classical assumption testing, a partial t-test, and the coefficient of determination to evaluate the significance and strength of the relationship between CIR and asset value. Results: Findings reveal that CIR has a positive and significant effect on asset performance, with the coefficient of determination indicating that CIR contributes 56.7% to the total variation in asset growth. Conclusion And Suggestion: The results highlight Bank BJB Syariah’s ability to manage capital effectively, leading to enhanced asset productivity, profitability, and competitive positioning within the Islamic banking sector. It is suggested that the bank maintains and further optimizes its capital utilization strategies to support sustained long-term financial performance.
Pengaruh Akses Informasi dan Pendidikan terhadap Literasi Keuangan Syariah Perempuan Kertamukti Febby Andriani Saputri Rahman; Zaini Abdul Malik; Yayat Rahmat Hidayat
Bandung Conference Series: Syaria Banking 55-64
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i1.23228

Abstract

Abstract. Sharia financial literacy is an important aspect in family financial management, especially for housewives who act as household financial managers. The level of Sharia financial literacy in the community is influenced by various factors, including access to information and education level. This study aims to analyze the influence of access to information and education level on the Sharia financial literacy of housewives in Kertamukti Village, Cipatat District, West Bandung Regency. This study used a quantitative method with multiple linear regression analysis. Data were collected through questionnaires distributed to housewives as research respondents, while data processing used SPSS software version 25. The results showed that access to information and education level simultaneously had a significant effect on Sharia financial literacy by 89.1%, while 10.9% was influenced by other variables outside the study. Partially, access to information had a negative effect on Sharia financial literacy, while education level had a positive effect. These findings demonstrate the negative impact of information access on financial literacy, contrary to theory. This suggests that increased access to information does not always translate into increased Sharia financial literacy, which is influenced by respondents' low education levels, limited ability to understand financial information, and the dominance of irrelevant digital information. These conditions result in information received not being processed optimally, resulting in a low understanding of Sharia financial concepts. Abstrak. Literasi keuangan syariah merupakan aspek penting dalam pengelolaan keuangan keluarga, khususnya bagi ibu rumah tangga yang berperan sebagai pengelola keuangan rumah tangga. Tingkat literasi keuangan syariah di masyarakat dipengaruhi oleh berbagai faktor, di antaranya akses informasi dan tingkat pendidikan. Penelitian ini bertujuan untuk menganalisis pengaruh akses informasi dan tingkat pendidikan terhadap literasi keuangan syariah ibu rumah tangga di Desa Kertamukti, Kecamatan Cipatat, Kabupaten Bandung Barat. Penelitian ini menggunakan metode kuantitatif dengan metode analisis regeresi linear berganda. Data dikumpulkan melalui kuesioner yang disebarkan kepada ibu rumah tangga sebagai responden penelitian, sedangkan pengolahan data menggunakan perangkat lunak SPSS versi 25. Hasil penelitian menunjukkan bahwa akses informasi dan tingkat pendidikan secara simultan berpengaruh signifikan terhadap literasi keuangan syariah sebesar 89,1%, sedangkan 10,9% dipengaruhi oleh variabel lain di luar penelitian. Secara parsial, akses informasi berpengaruh negatif terhadap literasi keuangan syariah, sedangkan tingkat pendidikan berpengaruh positif. Temuan ini menunjukan adanya pengaruh negatif akses informasi terhadap literasi keuangan tidak sesuai dengan teori, mengindikasikan bahwa tingginya akses informasi tidak selalu diikuti oleh peningkatan literasi keuangan syariah, yang dipengaruhi oleh rendahnya tingkat pendidikan responden, keterbatasan kemampuan dalam memahami informasi keuangan, serta dominasi informasi digital yang tidak relevan. Kondisi tersebut menyebabkan informasi yang diterima tidak terolah secara optimal sehingga berdampak pada rendahnya pemahaman terhadap konsep keuangan syariah.
Peran Ekuitas dan Makroekonomi terhadap Pertumbuhan Pembiayaan Fintech Syariah Haikal Alif Sya'bani; Zaini Abdul Malik Zaini Abdul Malik; Yayat Rahmat Hidayat Yayat Rahmat Hidayat
Bandung Conference Series: Syaria Banking 165-172
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.25046

Abstract

Abstract. The development of Islamic Financial Technology (Fintech) in Indonesia has contributed significantly to improving financial inclusion by providing technology-based financing services that comply with Islamic principles. Although financing continues to increase, its growth has fluctuated, indicating the influence of both internal and macroeconomic factors. This study aims to examine the effects of equity, exchange rate, and Gross Domestic Product (GDP) on the growth of Islamic Fintech financing in Indonesia. A quantitative approach was employed using quarterly secondary data covering the period 2021–2025, obtained from the Financial Services Authority (OJK), Bank Indonesia (BI), and Statistics Indonesia (BPS). The data were analyzed using the Ordinary Least Squares (OLS) method, preceded by classical assumption tests. The findings reveal that equity, exchange rate, and GDP each have a positive and significant effect on the growth of Islamic Fintech financing. Simultaneously, these variables significantly affect financing growth, with a coefficient of determination of 93.25%, indicating that most of the variation in financing growth can be explained by the proposed model. These findings suggest that strengthening firms' internal capital alongside maintaining favorable macroeconomic conditions is essential to supporting the sustainable growth of Islamic Fintech financing in Indonesia. Abstrak. Perkembangan Financial Technology (Fintech) Syariah di Indonesia telah menjadi salah satu pendorong peningkatan inklusi keuangan melalui penyediaan layanan pembiayaan berbasis teknologi yang sesuai dengan prinsip syariah. Meskipun nilai pembiayaan terus meningkat, laju pertumbuhannya masih menunjukkan fluktuasi yang mengindikasikan adanya pengaruh faktor internal maupun kondisi makroekonomi. Penelitian ini bertujuan menganalisis pengaruh ekuitas, nilai tukar, dan Produk Domestik Bruto (PDB) terhadap pertumbuhan pembiayaan Fintech Syariah di Indonesia. Penelitian menggunakan pendekatan kuantitatif dengan data sekunder triwulanan periode 2021–2025 yang diperoleh dari Otoritas Jasa Keuangan (OJK), Bank Indonesia (BI), dan Badan Pusat Statistik (BPS). Analisis data dilakukan menggunakan metode Ordinary Least Squares (OLS) yang didahului dengan pengujian asumsi klasik. Hasil penelitian menunjukkan bahwa ekuitas, nilai tukar, dan PDB secara parsial berpengaruh positif dan signifikan terhadap pertumbuhan pembiayaan Fintech Syariah. Secara simultan, ketiga variabel tersebut juga berpengaruh signifikan terhadap pertumbuhan pembiayaan dengan nilai koefisien determinasi sebesar 93,25%, yang menunjukkan bahwa sebagian besar variasi pertumbuhan pembiayaan mampu dijelaskan oleh model penelitian. Temuan ini menunjukkan bahwa penguatan kapasitas internal perusahaan serta kondisi makroekonomi yang stabil berperan penting dalam mendukung pertumbuhan pembiayaan Fintech Syariah di Indonesia.
Co-Authors Aam Slamet Rusydiana Ahmad Ghazi Zhafiirin Ahmad Ghazi Zhafirin Ahmad Zaini, Abdul Malik dan Akhmad Yusup Ali Musthafa Alya Naima Siti Najwa Anita Retno Fitriani Asep Ramdan Hidayat Atmima Tabi’inattien Al-ahya Deden Gandana Madjakusumah Dwi Nuraeni Eva Misfah Bayuni Febby Andriani Saputri Rahman Febriadi, Sandy Rizki Gina Nugrahawati Haikal Alif Sya'bani Ibrahim, Mohammad Andri Intan Manggala Wijayanti Ira Siti Rohmah Iwan Permana Khoerunnisa Nuraisyah Jamilah Kinanti Alya Nur Izza Km Sultan Zulfikram E Krisna Kurnia M Andri Ibrahim Malida Nur Anisa Maman Surahman Mita Qurrota Ayunin Mohamad Andri Ibrahim Muawia Y.I. Alzamli Muhammad Andri Ibarahim Muhammad Fakhri Mubarok Nadya Az-Zahra Nandang Ihwanudin Nanik Eprianti Nurul Izzah Panji Adam Agus Putra Popon Srisusilawati Radhia Rahmi Khairunnisa Raditya Gantari Ahmad Riyadi Raisya Alipya 10010322037 Ramdan Fawzi Resti Risdianingsih Selva Nur Fadhilah Selvira Eka Suci Shabila Nurfitriani Shakila Carisya Shakila Charisya Tsania Sina Lailatus Shafa Siti Fitri Murdiah Siti Nurchalisha Suherlan, Cinta Auly Salzabilla Udin Saripudin Vita Rahmah Yandi Maryandi