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All Journal DAR EL-ILMI : Jurnal Studi Keagamaan, Pendidikan dan Humaniora Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) EKONOMIKA SYARIAH : Journal of Economic Studies
Ayu Yuningsih
UIN Fatmawati Sukarno Bengkulu
Humanities Economics, Econometrics & Finance Education Social Sciences Other

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ISLAMIC BANKING PROFITABILITY IN FINANCING SUSTAINABLE PRIORITY SECTOR IN INDONESIA Ayu Yuningsih; Romi Adetio Setiawan; Suharyono
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 9 No. 2 (2026): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jam-ekis.v9i2.10312

Abstract

This study examines the profitability potential of Islamic banking financing in sustainable economic sectors in Indonesia, particularly industries that implement environmental risk management. Although sustainable financing is a key component of Indonesia’s future economic development, its profitability remains a subject of debate. This research employs the Auto-Regressive Distributed Lag (ARDL) approach to analyze both short-run and long-run relationships between Islamic bank financing and priority sectors of sustainable finance. The study uses monthly time-series data from January 2014 to June 2025, comprising 138 observations. The findings indicate that financing in the manufacturing sector as well as the transportation, warehousing, and communication sectors has significant profitability potential for Islamic banks. However, the study is limited to Islamic banking institutions and requires additional variables to provide a more comprehensive analysis. Future research should utilize more specific bank-level time-series data to better represent the performance of commercial banks in Indonesia. Furthermore, the study recommends strengthening Indonesia’s legal and regulatory framework on sustainable finance taxonomy to establish clearer legal relationships and enhance regulatory certainty among stakeholders
TRANSFORMASI TRANSAKSI KEUANGAN ISLAM: MENDORONG KEPATUHAN SYARIAH MELALUI TEKNOLOGI BLOCKCHAIN Ayu Yuningsih; Huril A'ini
Dar el-Ilmi : Jurnal Studi Keagamaan, Pendidikan dan Humaniora Vol. 13 No. 1 (2026): April-September
Publisher : Fakultas Agama Islam Universitas Islam Darul 'Ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/darelilmi.v13i1.12933

Abstract

Digital transformation has significantly reshaped the global financial system, including the Islamic finance industry, which is required to maintain strict compliance with Sharia principles. This study aims to analyze the role of blockchain technology in transforming Islamic financial transactions to enhance Sharia compliance, as well as to identify the key challenges in its implementation. This research employs a library research method using a content analysis approach on relevant academic literature published between 2018 and 2025. The findings reveal that blockchain holds significant potential to improve transparency, accountability, and transaction efficiency through its distributed, immutable, and real-time verifiable ledger system. Furthermore, the implementation of smart contracts enables the automation of Sharia-based contracts, reducing moral hazard and ensuring consistent adherence to Islamic principles. However, the adoption of blockchain in Islamic finance still faces several challenges, including regulatory uncertainty, limited human capital, inadequate technological infrastructure, and difficulties in integrating with existing financial systems. This study concludes that the successful implementation of blockchain in Islamic finance requires a comprehensive and collaborative approach involving regulators, practitioners, academics, and Sharia scholars to ensure alignment between technological innovation and Islamic values.
What Drives the Islamic Stock Market Price in Indonesia? Misbahul Munir; Muhammad Faisal Akbar; Ayu Yuningsih; Zikri Rahmani; Dewi Lusiana
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 7 No. 2 (2023): December 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i2.7650

Abstract

Saat ini, pasar modal syariah berkembang semakin pesat. Hal ini ditandai dengan munculnya berbagai indeks saham syariah termasuk Jakarta Islamic Index (JII). Pasar modal  adalah lembaga keuangan yang berkontribusi dalam pengelolaan dana investasi, serta menjadi penggerak utama dalam sistem ekonomi. Namun, pasar modal syariah dalam beberapa dekade terakhir menunjukkan pergerakan yang fluktuatif, diduga ada faktor-faktor yang mempengaruhi pergerakannya. Tujuan dari penelitian ini adalah untuk mengkaji faktor-faktor yang mempengaruhi pergerakan Jakarta Islamic Index. Metode yang digunakan dalam penelitian ini adalah deskriptif kuantitatif dengan data time series tahun 2009-2021. Variabel independen dalam penelitian ini adalah ekonomi makro yang terdiri dari  inflasi (INF), Indeks Produksi Industri (IPI), BI Rate, nilai tukar, dan Indeks Harga Saham Gabungan Indonesia (IHSG) sedangkan variabel dependennya adalah Jakarta Islamic Index (JII). Alat analisis yang digunakan dalam penelitian ini adalah Vector Error Correction Model (VECM). Hasil penelitian ini menunjukkan bahwa secara umum, dalam jangka pendek, pergerakan Indeks Saham Syariah yaitu Jakarta Islamic Index (JII) tidak banyak dipengaruhi oleh variabel makroekonomi. Sementara itu, dalam jangka panjang, pergerakan indeks saham syariah di Indonesia dipengaruhi oleh variabel makroekonomi.Currently, the Islamic capital market is growing rapidly. This is marked by the emergence of various Islamic stock indices, including the Jakarta Islamic Index (JII). The capital market is a financial institution that contributes to the management of investment funds as well as being the main driving force in the economic system. However, the Islamic capital market in recent decades has shown fluctuating movements; allegedly, some factors affect its movement. The purpose of this study is to examine the factors that influence the movement of the Jakarta Islamic Index. The method used in this study is quantitative-descriptive with time series data from 2009 to 2021. The independent variable in this study is macroeconomics, consisting of inflation (INF), industrial production index (IPI), BI rate, exchange rate, and Indonesia Composite Stock Price Index (ICI), while the dependent variable is the Jakarta Islamic Index (JII). The analysis tool used in this study is the Vector Error Correction Model (VECM). The results of this study show that, in general, in the short term, the movement of the Sharia Stock Index, namely the Jakarta Islamic Index (JII), is not much influenced by macroeconomic variables. Meanwhile, in the long run, the movement of Islamic stock indices in Indonesia is influenced by macroeconomic variables.
Co-Authors Dewi Lusiana Esti Alfiah Faisal Akbar, Muhammad Huril A'ini Misbahul Munir Romi Adetio Setiawan Suharyono Zikri Rahmani