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All Journal EL-MUHASABA Prosiding Seminar Matematika dan Pendidikan Matematik Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Economica: Jurnal Ekonomi Islam Shirkah: Journal of Economics and Business Jurnal Tabarru': Islamic Banking and Finance Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Indonesian Journal of Islamic Economics and Finance Journal of Islamic Economics Lariba Maliki Islamic Economics Journal IEB: Journal of Islamic Economics and Business
Titis Miranti, Titis
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Mathematics Social Sciences Other

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The Resilience of Sharia Insurance in MENA During the COVID-19 Pandemic: An Analysis of Financial Performance Miranti, Titis; Meylianingrum, Kurniawati
Economica: Jurnal Ekonomi Islam Vol. 14 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2023.14.1.12617

Abstract

The COVID-19 pandemic affects financial institutions worldwide, including Islamic financial institutions such as sharia insurance. This research focuses on sharia insurance in the Middle East and North Africa (MENA) that provide governance mechanisms and audit quality. The value of sharia insurance income in the MENA did not show a certain trend during the study period, although there were some extreme values during this COVID-19 pandemic. This study aims to examine the effect of the COVID-19 pandemic on sharia insurance earned in MENA. The quarterly data from 2010 to 2020 is used with panel regression as an analytical tool. As a result, the COVID-19 pandemic had no significant effect on sharia insurance earned in MENA. On the other hand, net income, long-term investment, assets have a significant effect. It shows that most sharia insurance in the MENA can survive during the COVID-19 pandemic. This study also confirms that Islamic financial institutions are still the best in their ability to stay during the COVID-19 pandemic. Moreover, sharia insurance is an alternative for welfare protection for residents in the MENA.
Sukuk and Inflation Dynamics in Indonesia: A Time Series Linear Model Investigation Pimada, Laila M.; Miranti, Titis
Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 1 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i1.5716

Abstract

This study examines the impact of sukuk on inflation in Indonesia, considering the interplay of macroeconomic factors during the post-COVID-19 recovery period. Employing a time series linear model (TSLM) with monthly data from January 2019 to March 2024, we investigate the relationship between sukuk outstanding and inflation (Consumer Price Index), controlling for industrial production, exchange rate, interest rate, and Composite Leading Indicator (CLI). Results reveal a significant positive relationship between sukuk and inflation, suggesting that increased sukuk outstanding is associated with higher inflation rates. This finding contributes to the existing literature by providing empirical evidence of the inflationary impact of sukuk in Indonesia, especially in the context of post-pandemic recovery. The study also identifies significant positive relationships between inflation and interest rate, as well as inflation and CLI, highlighting their roles in driving inflation. While the exchange rate also exhibits a positive relationship with inflation, industrial production shows a negative association, suggesting a potential dampening effect on inflation. The model demonstrates strong explanatory power, with an adjusted R-squared of 0.9818, indicating that the included variables effectively capture the variation in inflation. These findings offer valuable insights for policymakers in formulating effective inflation management strategies and ensuring macroeconomic stability in Indonesia's post-pandemic recovery.
Exploring The Determinants of Sustainable Interest To Use E-Wallet: The Mediating Role of Customer Satisfaction Marasabessy, Masaalah; Supriyanto, Achmad Sani; Ekowati, Vivin Maharani; Setiani, Setiani; Siswanto, Siswanto; Wicaksono, Ahmad Tibrizi Soni; Meylianingrum, Kurniawati; Miranti, Titis; Ahamed, Forbis
Jurnal Aplikasi Bisnis dan Manajemen Vol. 11 No. 3 (2025): JABM Vol. 11 No. 3, September 2025
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.11.3.789

Abstract

Background: The current rapid development of the times has created the birth of the evolution of payment instruments such as e-wallets. The evolution of this means of payment facilitates human activities in terms of transactions. The ease, convenience, speed, and benefits offered by Payment System Service Providers (PJSP) such as e-wallets can attract people's interest in adopting this system. Purpose: This study examines the direct effects of perceived ease of use, perceived usefulness, and e-service quality on sustained e-wallet use in Jayapura City, with customer satisfaction as a mediator. Design/methodology/approach: The research method adopted is quantitative, with an explanatory approach. The population in this study was the residents of Jayapura City, and the sampling technique was purposive, resulting in a sample size of 200 respondents. Data were collected via a questionnaire and then evaluated using SmartPLS v.4.1.0.6. Findings/Result: The findings show that perceived convenience does not affect long-term interest in using e-wallets. Meanwhile, perceived benefits, e-service quality, and customer satisfaction favourably and significantly impact sustained e-wallet usage. These findings also demonstrate that customer satisfaction can mediate the relationship between perceived convenience, perceived benefits, and e-service quality regarding Jayapura City residents' sustained interest in utilizing e-wallets. Conclusion: This study shows that the e-wallet payment system service provider can improve the services provided, increase the literacy of the people of Jayapura City regarding the operation of e-wallets and the urgency of using technology so that the people of Jayapura City are technology literate. In addition, the e-wallet should also be able to provide various promos that can attract the interest of the people of Jayapura City. Originality/Value (State of The Art): The findings of this research are intended as evaluation material and a basis for decision-making by e-wallet applications regarding interest in adopting e-wallets. Keywords: perceived benefits, e-service quality, customer satisfaction, sustainable interest, e-wallet
Modeling technology and profitability as moderators of competition, efficiency, and risk in Islamic bank stability Oktaviana, Ulfi Kartika; Miranti, Titis
Journal of Islamic Economics Lariba Vol. 11 No. 2 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol11.iss2.art15

Abstract

IntroductionIslamic commercial banks in Southeast Asia are facing growing challenges as competition intensifies and digital transformation accelerates. Stability has become a central concern, particularly in Indonesia and Malaysia where Islamic finance holds significant market share. While prior studies highlight competition, efficiency, credit risk, and liquidity risk as determinants of financial stability, the moderating influence of technology adoption and profitability has been less explored.ObjectivesThis study investigates the effects of competition, efficiency, credit risk, and liquidity risk on the stability of Islamic commercial banks in Indonesia and Malaysia. It further examines how technology and profitability moderate these relationships, offering a comprehensive understanding of their role in shaping bank resilience.MethodThe research employed a quantitative approach using panel data from 14 Islamic commercial banks between 2010 and 2022. Bank stability was measured with the Z-Score, competition with the Lerner Index, efficiency with operating costs, and credit and liquidity risks with respective ratios. Technology was proxied by non-interest expenditures, while profitability was measured by return on assets. The analysis applied the generalized method of moments to address endogeneity and ensure robust estimates.ResultsThe findings reveal that competition enhances bank stability, while credit and liquidity risks undermine it. Efficiency does not significantly affect stability. Technology exerts a dual effect: it improves stability directly but weakens the stabilizing influence of competition and heightens vulnerabilities linked to liquidity risk. Similarly, profitability supports stability under moderate risk-taking but magnifies the negative effects of excessive credit and liquidity risks. Bank size strengthens stability, whereas bank age is associated with greater fragility.ImplicationsThese results highlight that technology and profitability are double-edged factors: they can either reinforce or erode financial stability depending on how banks align them with risk management practices. Regulators and managers must ensure that digitalization and profit strategies are embedded within disciplined governance frameworks to prevent systemic vulnerabilities.Originality/NoveltyThis study contributes to the Islamic banking literature by introducing technology and profitability as moderators in the stability model, using a cross-country dataset and advanced estimation techniques. It offers new insights for policymakers and practitioners on balancing growth, digitalization, and risk control in sustaining the resilience of Islamic commercial banks.
Co-Authors Achmad Sani Supriyanto Agustina, Ananda Ahamed, Forbis Barianto Nurasri Sudarmawan Kurniawati Meylianingrum Kusbudiono Kusbudiono, Kusbudiono Laila M. Pimada Marasabessy, Masaalah Nurlaili, Rahma Rusli Hidayat S Siswanto Salsabiila, Salsabiila Salsabila, Nadiah Ayu Setiani Setiani, Setiani Shofiyatuz Zahro, Tazkiya Sholikah, Arini Mar'ah Ulfi Kartika Oktaviana Vivin Maharani Ekowati Wicaksono, Ahmad Tibrizi Soni