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All Journal Jurnal Manajemen dan Agribisnis IQTISHODUNA El Dinar Jurnal Ekonomi dan Bisnis Islam Falah : Jurnal Ekonomi Syariah al-Uqud : Journal of Islamic Economics Al-Muzara'ah Jurnal Ekonomi & Keuangan Islam Shirkah: Journal of Economics and Business Journal of Islamic Monetary Economics and Finance International Journal of Financial, Accounting, and Management Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Journal of Sustainable Tourism and Entrepreneurship Annals of Management and Organization Research Jurnal Pengabdian Masyarakat Indonesia Jurnal Pusat Inovasi Masyarakat Annals of Human Resource Management Research Ekonomi Islam Indonesia Journal of Islamic Economic Literatures International Journal of Waqf Review on Islamic Accounting Islamic Social Finance Halal Tourism and Pilgrimage Islamic Economics Methodology Bukhori: Kajian Ekonomi dan Keuangan Islam Fara'id and Wealth Management The Economic Review of Pesantren Islamic Marketing Review Accounting and Sustainability Business and Sustainability Policy Brief Pertanian, Kelautan, dan Biosains Tropika Halal Studies and Society
Mohammad Iqbal Irfany
Department Of Islamic Economics, Faculty Of Economics And Management, IPB University, Bogor, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Library & Information Science Public Health Social Sciences Other

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Capital Structure and Bank Performance in Indonesia's Dual Banking System Melinda, Vera; Wiliasih, Ranti; Irfany, Mohammad Iqbal; Haq, Daffa Aqomal; Camara, Bumi
Ekonomi Islam Indonesia Vol. 6 No. 2 (2024): Ekonomi Islam Indonesia
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/eii.v6i2.491

Abstract

The capital structure of a bank is directly tied to the risk and rate of return. The aim of this study is to examine the impact of capital structure on financial performance in Indonesia's dual banking system from the first quarter of 2013 to the third quarter of 2019, using 9 Conventional Commercial Banks (BUK) and 9 Sharia Commercial Banks (BUS) as research samples. Panel data regression is employed in this study, with Return on Assets (ROA) and Return on Equity (ROE) as dependent variables, and Equity to Total Asset Ratio (EAR), Debt to Equity Ratio (DER), company size, and economic growth as independent variables. The findings reveal that EAR, DER, and economic growth all have beneficial and significant effects on conventional commercial banks' ROA and ROE. Company size and economic growth have a positive and significant effect on ROA and ROE, while Sharia Commercial Banks, EAR, and DER have a negative and significant effect on ROA and ROE. These findings indicate that capital structure has a sometimes beneficial impact on financial success.
EXPLORING THE IMPACT OF GREEN FINANCING ON BANK STABILITY: INSIGHTS FROM INDONESIAN ISLAMIC AND CONVENTIONAL BANKS Irfany, Mohammad Iqbal; Putri, Fatimah Iskandar; Haq, Daffa Aqomal
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 12, No 2 (2024): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v12i2.25849

Abstract

This study examines the influence of green financing on the efficiency of Islamic and conventional banks in Indonesia between 2016 and 2022. Employing the Data Envelopment Analysis (DEA) method to compute efficiency scores and Tobit regression to evaluate the impact of green financing, the findings reveal that conventional banks outperform their Islamic counterparts in terms of efficiency. This disparity is attributed to superior risk management practices and the benefits of operational scale. Notably, green financing enhances the efficiency of both banking types, with its effects being more pronounced in smaller banks. These insights underscore the potential of green financing to advance sustainability without undermining banking efficiency. The study advocates for robust policy frameworks to incentivize green financing initiatives, particularly targeting smaller banks, to maximize their role in fostering sustainable development.
Muzakki’s enthusiasm towards the use of productive zakat on financing free halal certification for micro and small enterprises Hasanah, Neneng; Putri, Uly Anggraeni; Aisyah, Tasya Nur; Anggini, Karlita; Priyanto, Anindia Meil; Irfany, Mohammad iqbal
Halal Studies and Society Vol. 1 No. 3 (2024): September 2024
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/hass.1.3.1-4

Abstract

The cost of obtaining halal certification is often significant, and this has made its obtainance difficult for many Micro and Small Enterprises (MSEs). In order to promote the attainment of halal certification, the government has been observed to offer free certification programs for MSEs, with expenses being totally covered by the State Budget (APBN). Based on the results, alternative sources of financing beyond the state budget are necessary, with productive zakat being a plausible option. Therefore, the present study aims to assess the willingness of Muzakki to use productive zakat to finance free halal certification for MSEs and to analyze the factors influencing this willingness. To achieve the stated objectives, scoring and Structural Equation Models, namely Partial Least Square (SEM-PLS), were adopted as the analytical methods. Data were collected via electronic questionnaires administered to 200 respondents who had previously contributed mal zakat, and interviews conducted with representatives from BAZNAS. The obtained results showed that a positive inclination existed among Muzakki to use productive zakat for financing halal certification for MSEs. The observed key factors influencing enthusiasm of Muzakki include external motivation and consistency in zakat contributions. To enhance the role of zakat, the study suggests that zakat institutions should prioritize information dissemination and awareness campaigns through various media channels.
Peran Keuangan Syariah dalam Mitigasi Perubahan Iklim Global Irfany, Mohammad iqbal; Ramadhini, Fiona
Policy Brief Pertanian, Kelautan, dan Biosains Tropika Vol. 7 No. 1 (2025): Policy Brief Pertanian, Kelautan dan Biosains Tropika
Publisher : Direktorat Kajian Strategis dan Reputasi Akademik IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/agro-maritim.0701.1164-1170

Abstract

Degradasi lingkungan tetap menjadi tantangan utama di negara-negara OKI. Studi ini menemukan bahwa asetkeuangan syariah berkontribusi pada pengurangan emisi CO₂ dengan mendukung investasi hijau, sementarapembiayaan perbankan syariah masih terbatas dalam mendanai proyek rendah karbon. Di sisi lain,pertumbuhan PDB meningkatkan emisi, meskipun FDI, urbanisasi, dan kawasan hutan berkontribusi dalampenurunannya. Saat ini, kebijakan lingkungan di negara OKI masih terfragmentasi, dengan beberapa negaramulai menerapkan regulasi sukuk hijau dan insentif pembiayaan hijau, seperti Malaysia dan Indonesia.Namun, kesenjangan dalam standar regulasi, keterbatasan instrumen, serta kurangnya insentif bagi lembagakeuangan syariah masih menghambat efektivitasnya. Keuangan syariah berpotensi mengisi celah ini denganmemperkuat peran sukuk hijau, memperluas kebijakan insentif pajak, serta meningkatkan kapasitas lembagakeuangan syariah dalam mendukung transisi menuju ekonomi rendah karbon.
Sekolah Keluarga Berkualitas: Pencegahan Stunting di Kecamatan Bogor Barat Kota Bogor dan Kecamatan Ciampea Kabupaten Bogor Herawati, Tin; Hastuti, Dwi; Latifah, Melly; Yuliati, Lilik Noor; Sunarti, Euis; Muflikhati, Istiqlaliyah; Alfiasari, Alfiasari; Riany, Yulina Eva; Purwawangsa, Handian; Irfany, Mohammad Iqbal; Amirah, Nurul
Jurnal Pengabdian Masyarakat Indonesia Vol 5 No 2 (2025): JPMI - April 2025
Publisher : CV Infinite Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52436/1.jpmi.3349

Abstract

Pembangunan yang dilakukan oleh suatu negara akan berjalan optimal jika didukung oleh sumberdaya manusia yang berkualitas. Pembentukan sumberdaya manusia yang berkualitas akan sangat efektif ditentukan oleh lembaga terkecil dalam masyarakat yaitu keluarga. Pemberdayaan keluarga bertujuan untuk memberikan edukasi kepada ibu yang memiliki anak usia balita dan ibu hamil. Desain yang digunakan dalam kegiatan ini adalah pre-post interval study yaitu sasaran yang ikut serta dianalisis perbedaan pengetahuan sebelum dan setelah mengikuti kegiatan. Kegiatan ini dilaksanakan di tiga lokasi yaitu Kelurahan Loji, Kelurahan Balumbangjaya, dan Desa Benteng. Kegiatan ini dilaksanakan sebanyak tujuh materi dengan tujuh kali pertemuan yang dimulai pada Bulan Oktober - November 2023. Hasil kegiatan menunjukkan bahwa telah terjadi peningkatan pengetahuan partisipan mengenai ketahanan keluarga, pengasuhan, manajemen keuangan, investasi nilai anak, dan fungsi keluarga. Hal ini dibuktikan dengan kenaikan rata-rata nilai pre-test dan post-test sebesar 5,46 poin. Adanya peningkatan pengetahuan partisian menunjukkan bahwa perlu dilakukan program yang sama dengan lokasi yang berbeda agar mencapai keluarga yang tahan dan Sejahtera sehingga mendukung dalam pencegahan stunting.
The Effect of Bank Syariah Indonesia Merger on Financing in Indonesia Achsani, Muhammad Nur Faaiz Fathah; Irfany, Mohammad Iqbal
Ekonomi Islam Indonesia Vol. 7 No. 1 (2025): Ekonomi Islam Indonesia
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/eii.v7i1.587

Abstract

This study aims to examine the impact of the merger of three state-owned Islamic banks on financing in Indonesia’s Islamic banking sector, while also analyzing the role of macroeconomic and bank-specific factors. The study employs time-series data and applies the Auto-Regressive Distributed Lag (ARDL) bounds testing approach to analyze short- and long-term relationships between financing and various macroeconomic and bank-specific variables. The results show that in the short run, the merger did not have an immediate effect on financing, with key variables such as asset size, non-performing financing (NPF), exchange rates, and the unemployment rate significantly influencing financing. In the long run, asset size and NPF positively and negatively impacted financing, respectively, while the exchange rate negatively influenced financing. The merger itself showed no significant long- term effect, likely due to the bank focusing on internal consolidation rather than expanding financing or market share. This study provides insights into the immediate and long-term impacts of bank mergers in the context of Islamic banking, emphasizing the role of macroeconomic factors and internal consolidation processes. The findings offer valuable guidance for policymakers, regulators, banks, and stakeholders in the Islamic banking industry.
The Impact of Socioeconomic and Behavioral Factors on Health Indicators in OIC Countries Susanto, Astiani; Irfany, Mohammad Iqbal; Camara, Bumi; Haq, Daffa Aqomal
AL-MUZARA'AH Vol. 13 No. 1 (2025): AL-MUZARA'AH (June 2025)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.13.1.27-46

Abstract

Health sector indicators are important basis of determining the overall state of a nation’s wealth and welfare. Apart from this broad and conventional perspective on the role of health, in many Islamic countries, health is also part of objective of ‘maqashid sharia’ that needs to be maintained to sustain life. Accordingly, countries invest substantial share of national resources to sustain critical health systems. Notwithstanding these commitments, health service delivery remains a major challenge in these countries, as indicated by the low average life expectancy and the high mortality rate caused by communicable diseases. This study aims to describe and analyze the factors influencing health outcomes, namely life expectancy and mortality rate, in Muslim countries using secondary data from 46 OIC countries from 2010-2018. Employing panel data estimation, the study finds evidence suggesting the important role of a nation’s wealth, health expenditure, educational achievement and the prevalence of smoking as important determinants of life expectancy in OIC countries. In particular, the results show that high incidence of communicable diseases in countries with lower than mean years of schooling and those with significantly wide prevalence of smoking habits may have contributed to high mortality in these countries.
Intellectual Capital and Profitability of Islamic Commercial Banks in Indonesia: Izzuddin, Ahmad; Irfany, Mohammad Iqbal
Review on Islamic Accounting Vol. 5 No. 1 (2025): Review on Islamic Accounting
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/ria.v5i1.599

Abstract

The aim of this study is to investigate the impact of intellectual capital on the profitability of Indonesian Islamic Commercial Banks (BUS), highlighting the significance of intangible assets in enhancing financial performance. Utilizing regression analysis, this study scrutinizes secondary data from BUS's quarterly financial reports between 2015-2020, focusing on the impact of Value Added Intellectual Capital (VAIC), Non-Performing Financing (NPF), and Capital Adequacy Ratio (CAR) on Return on Assets (ROA). The study reveals that VAIC has a significant positive effect on ROA, indicating that effective management of intellectual capital can enhance profitability. Conversely, NPF shows a significant negative impact on ROA, while CAR does not significantly affect ROA. The combined influence of GDP, CAR, NPF, and VAIC explains a substantial portion of the variance in ROA. The scope is confined to BUS within 2015-2020. Future research could extend globally and incorporate more variables to enrich insights. Islamic banks should prioritize the effective management of intellectual capital, particularly human resources, to boost profitability and gain a competitive edge. Regulatory bodies, like the OJK, are recommended to establish policies that support and guide the management of intellectual capital within the banking sector.This study provides novel insights into the significance of intellectual capital in improving the profitability of Indonesian Islamic banks, emphasizing the need for effective management strategies and regulatory policies to enhance the sector's performance and contribution to economic growth.
Halal cosmetics' willingness to pay for the muslim millenial generation: Lessons from Bogor Regency, Indonesia Ramdhani, Arlita; Nursyamsiyah, Tita; Irfany, Mohammad Iqbal; Haq, Daffa Aqomal
Annals of Management and Organization Research Vol. 6 No. 4 (2025): May
Publisher : goodwood publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/amor.v6i4.2298

Abstract

Purpose: This study investigates the willingness to pay (WTP) of the Muslim millennial generation in Bogor Regency, Indonesia, for halal-certified cosmetics and analyzes the factors influencing this decision. Research Methodology: Using primary data from 100 millennial respondents collected through questionnaires, this study applied the Contingent Valuation Method (CVM) to determine WTP values. Structural equation model-partial least squares (SEM-PLS) was employed to analyze the relationship between WTP and influencing factors, including the perception of halal labels, brand image, attitude, and customer perceived value. Results: The findings indicated that millennials’ average WTP for halal-certified cosmetics was IDR 25,700. The perception of halal labels and customer-perceived value positively impact WTP, whereas brand image and attitude are not significant determinants. Conclusions: Based on these results, it can be concluded that the WTP value of the millennial generation in Bogor Regency for halal cosmetics is 25,700 per product. Limitations: This study focuses on a single region within Bogor, which limits its generalizability. Further studies should explore other regions and demographics in order to obtain broader insights. Contribution:  This study contributes to the understanding of consumer behavior regarding halal products, highlighting the importance of halal certification and perceived value. The findings could support manufacturers in improving marketing strategies and encourage policymakers to facilitate accessibility to halal certification and enhance the demand for halal products.
Internal and External Factors Affecting Banking Profitability: Evidence from Dual Banking System in Indonesia Ikhsana, Nadya Ramadhani; Achsani, Noer Azam; Irfany, Mohammad Iqbal
Islamic Economics Methodology Vol. 4 No. 1 (2025): Islamic Economics Methodology
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/iem.v4i1.612

Abstract

Implementing the dual banking system in Indonesia offers options for customers to use banking services. Before selecting which service to use, customers should perceive each bank's advantages and disadvantages. It can be carried out by conducting a performance evaluation of each bank that generates high profitability measured by the Return on Assets (ROA) value. This study aims to perform internal and external factors analysis that affect bank profitability and to compare profitability between Islamic and Conventional banking in Indonesia using the Vector Error Correction Model (VECM) method. The result shows that variable Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR) have a significant positive effect on Islamic Model in the long term, whereas policy rate and oil price (COP) hold a significant negative effect. In the Conventional Model, variable CAR, policy rate, and COP hold a significant positive effect, while the exchange rate shows a negative effect. FEVD results indicate that in Islamic Model, the diversity of banking profitability can be explained by various variables, indicating that Islamic banking is more engaged in the real sector than conventional banking.
Co-Authors Aam Slamet Rusydiana Aam Slamet Rusydiana Aam Slamet Rusydiana Aam Slamet Rusydiana, Aam Slamet Aceng Hidayat Achsani, Muhammad Nur Faaiz Fathah Afiana, Riyyun Ahmad Izzuddin Aisyah, Tasya Nur Al Muharram, Muhammad Shiddiq Al Zahroh, Dina Naba Albajili, Abi Nubli Alda Luthfiana Alfiasari Amirah, Nurul Anggini, Karlita Anggraini, Lilik Asep Nurhalim Aulia Nur Cahyani Camara, Bumi Daffa Aqomal Haq Daffa Aqomal Haq Dharmarianti, Dian Putri Dwi Hastuti Erliza Noor Euis Sunarti Fadhila Meithasari Nurtjahjo Fiona Ramadhini Fitri, Resfa Fitriyatustany Fitriyatustany Handian Purwawangsa Haq, Daffa Aqomal Hutajulu, Ivonia R. Ikhsana, Nadya Ramadhani Indah Sulistya Intan Aulia Ardhani Irfan Syauqi Beik Isbayu, Muhammad Istiqlaliyah Muflikhati JAENAL EFFENDI Laily Dwi Arsyianti Lilik Noor Yuliati Maulidiya, Sherly Eka Melinda, Vera Melly Latifah Muhammad Afifuddin Abdurrosyid Kamil Muhammad Wildan Syakuro Mustika Mustika Muthohharoh, Marhamah Nadiya Ulfa Neneng Hasanah Neneng Hasanah Nur Wulan Nursyamsiyah, Tita Priyanto, Anindia Meil Putri, Fatimah Iskandar Putri, Syifa Izzati Anzania Putri, Uly Anggraeni Qoriatul Hasanah Rafki, Muhammad Rahmat, Muhammad Alifka Ramadhini, Fiona Ramadini, Kintan Nur Ramdhani, Arlita Ranti Wiliasih Rezkyarta, Alif Rosmala, Novia Setiawan, Alfianto Hendry Sofina Mujadiddah Sri Rahayu Sri Rahayu Ningsih Susanto, Astiani Tamaulina Br Sembiring Tiara Early Afifah Tita Nursyamsiah Tita Nursyamsiah, Tita Tsany, Fadhlan Ulhaqqi, Muhammad Fikra Yafi Vitriara Ahsana Nadya Widya Syafitri Yulina Eva Riany Zidan, Muhamad