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All Journal Jurnal Manajemen dan Bisnis (Performa) Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam Jurnal Pendidikan Ekonomi (JUPE) Ulul Albab: Jurnal Studi Islam IQTISHODUNA Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam An-Nisbah: Jurnal Ekonomi Syariah Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Jurnal Mirai Management Jurnal Akuntansi dan Pajak Perisai : Islamic Banking and Finance Journal Jurnal Dinamika Ekonomi dan Bisnis al-Uqud : Journal of Islamic Economics Journal of Economic, Bussines and Accounting (COSTING) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan At-Tawassuth: Jurnal Ekonomi Islam JURNAL PENDIDIKAN TAMBUSAI MALIA YUME : Journal of Management Journal of Institution And Sharia Finance Economic and Education Journal (Ecoducation) El-Barka: Journal of Islamic Economics and Business International Journal of Economics, Business and Accounting Research (IJEBAR) J-ADIMAS (Jurnal Pengabdian kepada Masyarakat) IMARA : Jurnal Riset Ekonomi Islam Pekobis : Jurnal Pendidikan, Ekonomi, dan Bisnis Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal EK dan BI Abdi Laksana : Jurnal Pengabdian Kepada Masyarakat Jurnal Syntax Transformation El-Qist : Journal of Islamic Economics and Business (JIEB) Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Jurnal Ekuilnomi Asy Syar'iyyah: Jurnal Ilmu Syari'ah dan Perbankan Islam Airlangga International Journal of Islamic Economics and Finance EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah Jumat Ekonomi: Jurnal Pengabdian Masyarakat International Journal of Engagement and Empowerment (IJE2) juremi: jurnal riset ekonomi Al-Qashdu: Jurnal Ekonomi dan Keuangan Syariah Journal of Islamic Banking Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Balance: Journal of Islamic Accounting Al-Muamalat : Jurnal Ekonomi Syariah Jurnal Iqtisaduna Share: Jurnal Ekonomi dan Keuangan Islam El-Qish: Journal of Islamic Economics Sinomika Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Jurnal Ekonomi Syariah dan Bisnis Economic Reviews Journal Journal of Social And Economics Research Journal of International Conference Proceedings Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Jurnal Penelitian Ekonomi Manajemen dan Bisnis Trending: Jurnal Manajemen dan Ekonomi Jurnal Manajemen Dan Bisnis Ekonomi Amal: Jurnal Ekonomi Syariah Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Imara: Jurnal Riset Ekonomi Islam Indonesian Economic Review Muqaddimah: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Journal of Community Service and Society Empowerment Nusantara Journal of Multidisciplinary Science Reinforce: Journal of Sharia Management Neraca Manajemen, Akuntansi, dan Ekonomi Majapahit Journal of Islamic Finance dan Management Jurnal Ekonomi Bisnis Manajemen dan Akuntansi (Jebisma) Iltizamat : Journal Of Economic Sharia Law and Business Studies Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam West Science Islamic Studies Al-Muhasib: Journal of Islamic Accounting and Finance Majapahit Journal of Islamic Finance dan Management Journal of Community Empowerment International Journal of Islamic Economics (IJIE) Kajian Ekonomi dan Akuntansi Terapan An-Nisbah: Jurnal Ekonomi Syariah Jurnal Keadaban: Jurnal Sosial dan Humaniora Economic and Education Journal (Ecoducation) Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Balance: Journal of Islamic Accounting Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah journal of social and economic research Journal of Ekonomics, Finance, and Management Studies Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ilmu Multidisiplin Business, Entrepreneurship, and Management Journal Ecoducation Joong-Ki Jurnal Indonesia Mengabdi Taawun: Jurnal Pengabdian kepada Masyarakat Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Jurnal Ekonomi dan Bisnis Islam KREATIF: Jurnal Pengabdian Masyarakat Nusantara
Binti Nur Asiyah
Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Public Health Social Sciences Other

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PENGARUH KUALITAS PORTOFOLIO PEMBIAYAAN TERHADAP PROFITABILITAS BANK MEGA SYARIAH Asiyah, Binti Nur
An-Nisbah: Jurnal Ekonomi Syariah Vol 3, No 2 (2017): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2017.3.2.231-254

Abstract

This research is motivated by the phenomenon of  Islamic financial institutionsthat have the goal of  profitability by emphasizing the quality of  the financingportfolio with emphasis on the prudence and avoid risk. Reality shows that themajority of  Islamic banks provide financing predominantly on the financingthat is certainty that the financing murabaha contract. Categories murabahafinancing provides better certainty of  payment and principal payments receivableagreed margin. The approach in this study using a quantitative approach to thetype of  associative research. Data analysis was performed using data normality test, test classic assumptions. Further analysis using multiple regression test, test hypotheses, and test the coefficient of  determination. The results showedthat 1) The quality of  current assets provide a significant and positive effecton α 5% on profitability 2) The quality of  productive assets in a particularconcern and significant negative effect on α 5% to profitability 3. The qualityof  earning assets less current effect negative but not significant at the 5% toprofitability α 4) quality of  productive assets undoubtedly have a positive effectbut not significant at α 5% to profitability 5) the quality of  earning assetsjammed a negative effect but not significant at α 5% to profitability.Penelitian ini dilatarbelakangi oleh fenomena lembaga keuangan syariah yangmemiliki tujuan profitabilitas dengan menekankan pada kualitas portofoliopembiayaan dengan menekankan pada aspek kehati-hatian dan menghindaririsiko yang dihadapi. Realitas menunjukkan bahwa mayoritas Perbankansyariah memberikan pembiayaan secara dominan pada pembiayaan yang bersifat certainty contract yakni pada pembiayaan murabahah. Kategori pembiayaan murabahah memberikan kepastian pembayaran baik pembayaranpokok piutang maupun margin yang telah disepakati. Pendekatan dalampenelitian ini menggunakan pendekatan kuantitatif  dengan jenis penelitianasosiatif. Analisis data dilakukan dengan menggunakan uji normalitas data,uji asumsi klasik. Selanjutnya dilakukan analisis dengan menggunakanuji regresi berganda, uji hipotesa, serta uji koefisien determinasi. Hasilpenelitian tersebut menunjukkan bahwa 1) Kualitas aktiva produktif  lancarmemberikan pengaruh positif  dan signifikan pada α 5% terhadap profitabilitas2) Kualitas aktiva produktif  dalam Perhatian khusus memberikan pengaruhnegatif  dan signifikan pada α 5% terhadap profitabilitas 3. Kualitas aktivaproduktif  kurang lancar memberikan pengaruh negatif  namun tidaksignifikan pada α 5% terhadap profitabilitas 4) Kualitas aktiva produktif diragukan memberikan pengaruh positif  namun tidak signifikan pada α5%  terhadap profitabilitas 5) Kualitas aktiva produktif  macet memberikanpengaruh negatif  namun tidak signifikan pada α 5%  terhadap profitabilitas.
SUSTAINABILITY PINJAMAN BERGULIR UPK PNPM PERKOTAAN, PELUANG CHANELING BANK SYARIAH Binti Nur Asiyah, Binti Nur Asiyah
MALIA Vol 7 No 1 (2015)
Publisher : Program Studi Ekonomi Syariah Universitas Yudharta Pasuruan

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Abstract

Penelitian ini bertujuan mengetahui Sustainability pinjaman bergulir UPKPNPM Perkotaan, peluang chaneling Bank syariah. Tulisan ini menggunakan metode penelitian denganpendekatan kualitatif dengan jenis penelitian deskriptif. Pertumbuhan Aset Bank Syariah cenderung melambat sampai dengan tahun 2014, pertumbuhan hanya sebesar 12% dibanding tahun 2013. Pada tahun 2013 pertumbuhan ekonomi kita mencapai 6,3%. Fokus masalah dari penelitian ini adalah pertama, Bagaimana Perkembangan pinjaman Bergulir di Tulungagung? Kedua, Bagaimana  perkembangan LAR, PAR, ROI, CCr pada Pinjaman Bergulir di Tulungagung? Ketiga, Apa dampak pinjaman bergulir bagi perekonomian masyarakat desa setempat? Keempat, Bagaimana peluang sumber dana perguliran pasca pendampingan PNPM Perkotaan berakhir? Kelima, Persentase UPK yang memungkinkan chaneling dengan Lembaga Keuangan Syariah?Hasil penelitian ini menunjukkan: pertama, Pinjaman bergulir UPK berkembang bagus dilihat dari Jumlah KSM maupun realisasi pinjaman bergulir, kedua, Pinjaman bergulir memiliki kinerja bagus dilihat dari LAR, PAR, ROI dan CCr. Ketiga, Pinjaman bergulir berdampak signifikan bagi perekonomian masyarakat, baik dalam bidang perdagangan, usaha kecil, pertanian, Keempat, Diharapkan agar UPK bisa bersinergi dengan Industri Keuangan terutama Industri Keuangan Syariah, Kelima, Peluang UPK bermitra dengan Industri Keuangan Syariah berkisar 52%, yakni yang memiliki tingkat pengembalian pinjaman bagus, dan KSM yang telah purna status miskin.
PELARANGAN RIBA DALAM PERBANKAN; IMPACT PADA TERWUJUDNYA KESEJAHTERAAN DI MASA COVID-19 Asiyah, Binti Nur; Yuliani, Nur Azrin; Amelia, Evita; Nasiroh, Fifin
Imara: JURNAL RISET EKONOMI ISLAM Vol 4, No 1 (2020): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v4i1.2083

Abstract

The aim of prohibiting usury is to protect people who conduct mu?amalah. Indeed, Al qur?an prohibited it because it is resulted injustice. It is obviously felt in the period of Covid-19 Pandemic.  The research purpose was to analyze the problems of applying usury system in banking and to analyze the privileges of prohibiting usury system in banking. The descriptive research was used in this paper. The results show usury systems resulted gaps and injustice. Indeed, it is also caused economic instability. A solution for this problem is profit sharing. This system can bring justice and it will lead into economic equality particularly in the era of Covid-19 pandemic. Therefore, by applying Islamic economic system, the economy is more stable and social welfare can be achieved.
PELARANGAN RIBA DALAM PERBANKAN; IMPACT PADA TERWUJUDNYA KESEJAHTERAAN DI MASA COVID-19 Asiyah, Binti Nur; Yuliani, Nur Azrin; Amelia, Evita; Nasiroh, Fifin
Imara: JURNAL RISET EKONOMI ISLAM Vol 4, No 1 (2020): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v4i1.2083

Abstract

The aim of prohibiting usury is to protect people who conduct mu?amalah. Indeed, Al qur?an prohibited it because it is resulted injustice. It is obviously felt in the period of Covid-19 Pandemic.  The research purpose was to analyze the problems of applying usury system in banking and to analyze the privileges of prohibiting usury system in banking. The descriptive research was used in this paper. The results show usury systems resulted gaps and injustice. Indeed, it is also caused economic instability. A solution for this problem is profit sharing. This system can bring justice and it will lead into economic equality particularly in the era of Covid-19 pandemic. Therefore, by applying Islamic economic system, the economy is more stable and social welfare can be achieved.
Analisis Dampak Sukuk pada Perekonomian Nasional di Tengah Wabah Covid 19 Asiyah, Binti Nur; Aini, Indah Nur; Mahardika, Rama Prasetya; Laili, Lyliya Nurul
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 10 No. 1 (2020): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

Sukuk is a form of investment that has an impact on the national economy which is currently weakening due to the Covid-19 pandemic. Covid 19 has had an impact on the faltering of the people's economy from business to financial institutions (sharia and conventional). The state has the need to fulfill the state budget in order to address the problem of the impact of covid 19 quickly. This paper is intended to analyze the impact of sukuk on economic growth during the covid pandemic 19. The process of collecting data is done by analyzing data observed through OJK statistics and collecting various information related to covid-19 and the data are analyzed qualitatively. Based on the results of the study it was found that Sukuk became a source of funds for the government to finance development, thus creating new jobs for the community in the long run. Sukuk provide benefits for the liquidity of Islamic financial institutions due to the impact of covid 19, and also investment facilities for the community. Key Words: Impact; Sukuk; national economiy; Covid-19. Abstrak: Sukuk termasuk bentuk investasi yang memberikan dampak bagi perekonomian nasional yang saat ini melemah karena adanya pandemi Covid-19.Covid 19 telah memberikan dampak bagi tersendatnya perekonomian masyarakat mulai bisnis hingga lembaga keuangan (syariah dan konvensional). Negara memiliki kebutuhan pemenuhan APBN guna menjawab masalah dari dampak covid 19 secara cepat. Paper ini dimaksudkan untuk menganalisis dampak sukuk bagi pertumbuhan ekonomi di masa pandemi covid 19. Proses pengumpulan data dilakukan dengan cara menganalisis data yang diobservasi melalui statistik OJK dan mengumpulkan berbagai informasi terkait covid-19 dan data dianalisis secara kualitatif. Berdasarkan hasil pengkajian diperoleh bahwa Sukuk menjadi sumber dana bagi pemerintah untuk membiayai pembangunan, sehingga menciptakan lapangan kerja baru bagi masyarakat dalam jangka panjangnya. Sukuk memberikan kemanfaatan bagi likuiditas lembaga keuangan syariah akibat dampak covid 19, dan juga sarana investasi bagi masyarakat.. Kata Kunci : Dampak; Sukuk; Perekonomian Nasional; Covid-19.
A Study of Mudaraba Financing in Indonesia: The Effect of Temporary Shirkah Fund, Return on Asset (ROA), Financing to Deposit Ratio (FDR) Asiyah, Binti Nur; Aidiawati, Ria; Wahyudi, Amin; Azis, Ishan; Qurratulaini, Intan
al-Uqud : Journal of Islamic Economics Vol 5, No 2 (2021): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (315.461 KB) | DOI: 10.26740/al-uqud.v5n2.p203-217

Abstract

This article discusses the decline of distribution of mudaraba financing from 2017 to 2019 in a sharia bank in Indonesia, which impacted asset productivity. This study intends to examine the effect of Temporary Shirkah Funds, and Financing to Deposit Ratio on Mudaraba Financing. This study uses a quantitative approach, especially associative research. The sampling technique is non-probability sampling, and the data analysis is multiple regression. The results of this study indicate that (1) Temporary Shirkah Funds have a positive and significant effect on Mudaraba Financing; (2) Return on Assets has a positive and significant effect on Mudaraba Financing; (3) The Financing to Deposit Ratio has a positive and significant effect on Mudaraba Financing; (4) simultaneously Temporary Shirkah Funds, Return on Assets, Financing to Deposit Ratio have a positive and significant effect on Mudaraba Financing. The practical implication of this research is that Islamic banks prioritize Mudaraba Financing to be in line with increasing Murabaha Financing.
Analisis Dampak Sukuk pada Perekonomian Nasional di Tengah Wabah Covid 19 Binti Nur Asiyah; Indah Nur Aini; Rama Prasetya Mahardika; Lyliya Nurul Laili
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 10 No. 1 (2020): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2020.10.1.55-68

Abstract

Sukuk is a form of investment that has an impact on the national economy which is currently weakening due to the Covid-19 pandemic. Covid 19 has had an impact on the faltering of the people's economy from business to financial institutions (sharia and conventional). The state has the need to fulfill the state budget in order to address the problem of the impact of covid 19 quickly. This paper is intended to analyze the impact of sukuk on economic growth during the covid pandemic 19. The process of collecting data is done by analyzing data observed through OJK statistics and collecting various information related to covid-19 and the data are analyzed qualitatively. Based on the results of the study it was found that Sukuk became a source of funds for the government to finance development, thus creating new jobs for the community in the long run. Sukuk provide benefits for the liquidity of Islamic financial institutions due to the impact of covid 19, and also investment facilities for the community. Key Words: Impact; Sukuk; national economiy; Covid-19. Abstrak: Sukuk termasuk bentuk investasi yang memberikan dampak bagi perekonomian nasional yang saat ini melemah karena adanya pandemi Covid-19.Covid 19 telah memberikan dampak bagi tersendatnya perekonomian masyarakat mulai bisnis hingga lembaga keuangan (syariah dan konvensional). Negara memiliki kebutuhan pemenuhan APBN guna menjawab masalah dari dampak covid 19 secara cepat. Paper ini dimaksudkan untuk menganalisis dampak sukuk bagi pertumbuhan ekonomi di masa pandemi covid 19. Proses pengumpulan data dilakukan dengan cara menganalisis data yang diobservasi melalui statistik OJK dan mengumpulkan berbagai informasi terkait covid-19 dan data dianalisis secara kualitatif. Berdasarkan hasil pengkajian diperoleh bahwa Sukuk menjadi sumber dana bagi pemerintah untuk membiayai pembangunan, sehingga menciptakan lapangan kerja baru bagi masyarakat dalam jangka panjangnya. Sukuk memberikan kemanfaatan bagi likuiditas lembaga keuangan syariah akibat dampak covid 19, dan juga sarana investasi bagi masyarakat.. Kata Kunci : Dampak; Sukuk; Perekonomian Nasional; Covid-19.
A Study of Mudaraba Financing in Indonesia: The Effect of Temporary Shirkah Fund, Return on Asset (ROA), Financing to Deposit Ratio (FDR) Binti Nur Asiyah; Ria Aidiawati; Amin Wahyudi; Ishan Azis; Intan Qurratulaini
al-Uqud : Journal of Islamic Economics Vol. 5 No. 2 (2021): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (315.461 KB) | DOI: 10.26740/al-uqud.v5n2.p203-217

Abstract

This article discusses the decline of distribution of mudaraba financing from 2017 to 2019 in a sharia bank in Indonesia, which impacted asset productivity. This study intends to examine the effect of Temporary Shirkah Funds, and Financing to Deposit Ratio on Mudaraba Financing. This study uses a quantitative approach, especially associative research. The sampling technique is non-probability sampling, and the data analysis is multiple regression. The results of this study indicate that (1) Temporary Shirkah Funds have a positive and significant effect on Mudaraba Financing; (2) Return on Assets has a positive and significant effect on Mudaraba Financing; (3) The Financing to Deposit Ratio has a positive and significant effect on Mudaraba Financing; (4) simultaneously Temporary Shirkah Funds, Return on Assets, Financing to Deposit Ratio have a positive and significant effect on Mudaraba Financing. The practical implication of this research is that Islamic banks prioritize Mudaraba Financing to be in line with increasing Murabaha Financing.
Analisis Penerapan Akuntansi Zakat, Infaq dan Shadaqah (ZIS) Berdasarkan PSAK 109 Pada Badan Amil Zakat di Indonesia Yunia Nur Azizah; Sindhi Retno Palupi; Samsul Bahri; Binti Nur Asiyah
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. VII | No. 1 | 2022
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v7i1.10640

Abstract

This research aims to find out the extent of the application of zakat and infaq / shadaqah accounting in accordance with PSAK 109 at the National Zakat Amil Agency in Indonesia. The existence of zakat can minimize the problem of poverty and create a distribution of social balance. Unlike zakat, infaq / shadaqah is not an obligation but sunnah or can be said to be voluntary. This type of research is qualitative research with literature study methods, where data sources are obtained through the collection of library data, the internet, and so on. It can be known from the results of this research that zakat and infaq / shadaqah management in BAZNAS in accordance with PSAK 109. Starting from the receipt to the distribution of zakat and infaq / shadaqah has been done very well and on target. The recording of all activities is carried out in accordance with PSAK 109 which consists of statements of financial position, statements of changes in funds, reports of changes in assets under management, statements of cash flows, and records on financial statements.
Islamic Prudential Banking Concept to Reduce Non Performing Financing: Literature Review Binti Nur Asiyah; M. Ridlwan Nasir; Muhamad Ahsan
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.5641

Abstract

Purpose - This paper aims to develop the concept of prudential banking based on sharia principles to minimize non-performing financing in Indonesia. Methode - This desk research was based on many relevant studies advanced in the literature.  The review was particularly focus on  Sharia Banking Law, Indonesian Banking Regulations, and Financial Services Authority Regulations. A secondary data published by the Indonesian Central Bank on Sharia Banking Statistics for 2014-2018 was used to  sharpen the analysis. In addition, many previous studies on Sharia Banking conducted in other countries (e.g.  Malaysia, Pakistan and other European countries) were discussed in order to widen the importance of Sharia banking in those countries. Findings - The findings of this study include as follows. First, the development of the concept of Islamic prudential banking in the operations of Islamic banks need  to give attention towards business risk and the certainty of the implementation of Islamic principles. Second, the operational of Islamic banks need to consider the important of  sharia human resources, sharia product, sharia process (marketing, management, and standard operational procedure (SOP)) as well. Research limitation- This research limitation article requires follow-up to explore the potential of applying Islamic prudential banking in depth to Islamic banks in Indonesia and apply it to every operational standard procedure from banks. Practical implications – The Practical implication is that Islamic prudential banking should be implemented in accordance with the Islamic concept in its operations so that it is truly able to minimize non performing financing. This study can also be used for policy instruments to improve Islamic Prudential Banking in Indonesia which is not yet available. Also, it can be implemented by other stakeholders of Islamic Banking . Social implication- The social implication of this study  to increase work motivation and raises honesty in work, in accordance with the objectives of Islamic banks. Originality/Value - The originality of this study is due to the facts that studies on Islamic Prudential Banking have little examination. For this reason, this review study can be used as the important input to develop  Islamic prudential banking and to be implemented by the banking and the regulators 
Co-Authors Abidah, Asiska Nur Adi Basuki Choirul Adinda Mayza Wiby Andira Adlan, Muhamad Aqim Agung Budiman Agus Eko Sujianto Ahmad Budiman Ahmad Fauzi Asshidqi Ahmad Fauzi Asshidqi Ahmad Muhtadi Ahmad Supriyadi Ahmada, Muhamad Agus Alfiyan Nur Ahsan, Muhamad Aidiawati, Ria Aini, Indah Nur Ainur Rohmah, Zelyn Faizatul Akhyak Al Satria, Muhammad Idris Alfaisah, Syaifudin Alif Ageng Utami Alifah, Rifa Nur Alvera Zahvania Putri Alvina Dwi Nur Dyanti Amanda Laily Yuniawati Amanda Putri Dwi Utami Amelia, Evita Amelia, Evita Amin Wahyudi Amin Wahyudi Amin Wahyudi Amriyah, Yassirly Angel Adilla Ani’fa Dewanti Putri Angelina Kusfita Rossa, Heleny Anggita Della Lestari Anita Febriani Anita Febriani Anjarwati, Ribut Peni Antri Arta Arlinta Prasetian Dewi, Arlinta Prasetian Ashlihah Asyarie, Adimas Agus Atok Syihabuddin Aulia Nur Azizah Ayunda, Sindy Sephya Dwi Azhari, Khairunisa Diva Azis, Ishan Azizah Shodiqoh Azizah Shodiqoh Rafidah Azizah, Saila Bakhrul Huda Balqis Shofa Nabilah Banna, Ahmad Fatan Al Bhakti, Rezsa Lingga Binti Mutafarida Binzar Wimpi Nugraha Cahyani Islamiah Cahyani Islamiah Cahyaning Puteri, Suci Cahyaningtyas, Ajeng Rizqina Cevira Putri Nabila Chamidi, Achmad Luthfi Chamidi Christina Ika Ningrum Dede Nurohman Defa Irfantara Pramudya Dewangga Wibiantoro, Awang Dimas Ainur Rochim, Mochamad Dimas Prasetyo Putra Diva Wahyu Tias Saputri Dwi Astuti Wahyu Nurhayati Dyah Wulandari Eka Ristanti, Frida Elok Faiqoh Erina Wiji Lestari Erma Laelatul Zahroq Evita Amelia F, Fransiska Fahmi Alif Aldianto Faiz Syahputra, Kevin Faizal, Muhazzab Alief Faizatul, Zelyn Fauzan Fauzan . Fauzan Fauzan Febrianto, M. Nanang Fifin Nasiroh Finka Aurel Liyani Firas Alyon Saputra Gazani, Hawa H. Holle, Mohammad Hania Nuril Aida Rochmah Happy Novasila Maharani Hardiansah, Hardiansah Hasna Aulia Rahmawati Hawa Gazani Herlina Wati Hidayat, Iqbal Alwi Hikmah, Sayyidah Ulil Hilda Nor Fani Holle, Moh. H. Holle, Mohammad Hanafi Husnul Haq Indah Nur Aini Innes Puspita Maharani Intan Qurratulaini Irtifa Umi Azizah Ishan Azis Islamiah, Cahyani Ismawati, Fadila Nur Isnawati, Adinda Putri Yesa Jalilut Jabar Jamaludin, Husna Binti Jamilah, Isnawati Jamilatun Ni’mah Jatmiko, Dadang Heru Johan Dwi Sutikno Julio Andre Setiawan Jusuf Bachtiar Karanelan, Magfirah Karimah, Zulfah Jannatul Kawedar, Gayuh Kharismatul Ulfiah Khasanah, Miftakhul Fauziyah Khofifah, Laini Kinanti, Karunia Kirana, Silva Puspita Candra Koerniawati, Dwi Kusumaningrum, Budiani Kusumaningtyas, Afifa Kutbuddin Aibak Laili, Lyliya Nurul Laili, Nizar Adi Lantip Susilowati Launiya, Khiyaratul Lazuardi, Deris Lella Juniva Sari Lestari, Lisa Yuni Lisa Yuni Lestari Lisa Yuni Lestari Lorenza Putri, Amanda Ika Luknawati, Erra Fitri Lyliya Nurul Laili M. Nanang Febrianto M. Nanang Febrianto M. Ridlwan Nasir M. Ridlwan Nasir M. Ridlwan Nasir Magfirah Karanelan Mahardika, Rama Prasetya Malawat, Fadli Fendi Marsheila, Clarisa Devi Mashudi Mashudi Mashudi , Mashudi Mashudi Mashudi Mashudi Mei Anjarwati, Chasa Puput Tri Mey Susanti Mey Susanti Moh. Taufiqur Rahman Mohamad Ilham Dede Wijaya Mohamad, Syed Ismail Syed Mohammad Anis Sumadi Mohammad Fadhilah Hamzah Mohammad H. Holle Mohammad Ilham Maulana Muchammad Ilham Syarifudin Muhamad Ahsan Muhamad Fahmi Azizul Farhan Muhammad Anis, Muhammad Muhammad Aswad Muhammad Husein Maruapey Muhammad Raffi Wahidin Muhammad Syahrul Hidayat Muhammad Vaiz Inda Fajar Muhammad Yoga Aditia Muhazzab Alief Faizal Muhazzab Alief Faizal Muhrim, Muhammad Rifai Mustikaningsih, Emilia Mutafarida, Binti Nadia Lailatul Hanifah Nadia Rakhil Azizah Nadila Desviana Mahardini Nahdiya Asna Nana Alfiana Nanda Nur Romadhon Nasiroh, Fifin Nasiroh, Fifin Natory, Dimas Asyif Nelly Himmatus Sa’diyah neni utami Neni Utami Ngizatul Milah Khoirun Nisa Ni'mah, Jamilatun Nila Khoirun Na’ili Ningrum, Christina Ika Nita Agustina Nurlaila Eka Erfiana Novi Tri Oktavia Novi Tri Oktavia Novi Tri Oktavia Nur Aziz Muslim Nur Azrin Yuliani Nurhadi Syaifudin Zuhri Nuroniyyah, Fathiyyatun NURUL HIDAYAH Nurul Hidayah Octafia Ramadhani, Lintang Oftafiana, Triya Oktaviansah, Mohamad Rizqi Pangestu, Nana Pellu, Arifin Pera Wibowo Putro Pranata, Dedy Pratama, Yoga Ari Pratiwi, Putri Hadiyanti Pratiwi, Yanuar Mila Pricilia Putri Salsabila Putri Shinta Dewi Putri, Pinasti Azalia Qomarul Huda Rama Prasetya Mahardika Reni Waningsih Revalinda Clauzhy Anggraini Ria Aidiawati Rida Zahrotul Mufidah Rifa Nur Alifah Rifqi Rama Dhani Rika Rizki Rohmah Rilan Abdul Syarif Rini Fitriani Ririk Damayanti Riska Imsa’ul Febiantoro Ritma Lutviandari rizka_abel_nadila, rizka_abel_nadila Rizkyaningrum, Adinda Agustinayu Rizma Denytasari Rohmah, Hafiza Zaidatur Rohmah, Siti Lailatur Rokhmat Subagiyo Rosyida, Zulma Aini Ruchmana, Ayu Safitri, Silvi Ayu Safrilia Suganda, Naelly Saila Azizah Saimima, Salma Samsul Bahri Samsul Huda Samsul Huda Septiana , Ayuk Setia Rini Sheilla Ayu Amandasari Shenia Erika Maharani Sherly Ulvia Saputri Sindhi Retno Palupi Sistyamurti, Febintha Slamet Budi Hariyanto Sri Eka Astutiningsih Subagyo, Rohmad Subagyo, Rohmat Subagyo, Rokhmat Sujianto , Agus Eko Sukma Aulia Dewi Surya, Yoga Adi Sutikno, Johan Dwi Syahera Widyaningtyas, Dewi Syahriza Azizan Sayid Syamsiyah, Siti Itsna Tarisa Adelia Chusna Ulil Albab Utami, Neni Vina Maratus Salsabila Vina Marotus Salsabila wati, Herlina Wiji Astutik Wulandari, Ulfa Dwy Ayu Yeni Yulia Ningsih Yuliani, Nur Azrin Yuliani, Nur Azrin Yunia Nur Azizah Yuniawati, Amanda Laily Yunita Dwi Nur Aini Zuha Musnida, Aimma Zulfah Jannatul Karimah Zumaroh Zumaroh, Zumaroh