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All Journal Komitmen : Jurnal Ilmiah Manajemen Jurnal Riset Ekonomi Syariah Journal of Applied Islamic Economics and Finance KEDJATI Journal of Islamic Civilization
Hanafi Nugraha
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Analisis Faktor-Faktor yang Mempengaruhi FDR Bank Umum Syariah (Studi Kasus PT Bank Muamalat Indonesia Tbk) Hanafi Nugraha; Destian Arshad
Journal of Applied Islamic Economics and Finance Vol 1 No 1 (2020): Journal of Applied Islamic Economics and Finance (October 2020)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (505.495 KB) | DOI: 10.35313/jaief.v1i1.2391

Abstract

The purpose of this study is to analyze factors that affect the liquidity capability of Islamic banks in Indonesia. One of the ratios which used to measure the ability of liquidity and to assess the financial performance of an Islamic bank is FDR. variables which used are ROA, CAR, NIM, and BI Rate. The data used in the study were secondary data on the quarterly financial statements of PT. Bank Muamalat Indonesia Tbk for the period 2012-2019. The research model or analysis tool used in this study is multiple linear regression analysis using statistical data processing applications. The results of this research are that the variables ROA, CAR, NIM, and BI Rate have a simultaneous effect on FDR and partially NIM and BI Rate have a significant effect on FDR, while ROA and CAR partially do not have a significant effect on FDR.
INSTITUTIONAL AND POLICY DEVELOPMENT IN ISLAM Nurhidayat, Naufal; Ulpah, Dina Mariana; Nugraha, Hanafi; Sunengsih, Imas
Komitmen: Jurnal Ilmiah Manajemen Vol 6, No 1 (2025): KOMITMEN: Jurnal Ilmiah Manajemen
Publisher : FEBI UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jim.v6i1.43798

Abstract

This journal examines Islamic development institutions and policies. It aims to learn more about Islamic institutional and development policies in ensuring that the interests of society are aligned with the principles of Shari’a. The method used in this journal is a qualitative approach obtained from the literature of books, articles and the internet and refers to previous research that is collaborated into related discussions so that the author can provide systematic and relevant conclusions. The results of this journal state that institutions and policies have a relationship in development, especially the country’s economy, which is realized through special institutions related to public welfare, such as shari’a banking, shari’a pawn shops, BAZNAS, BMT. In Islam, economic development is not only a physical necessity, but is oriented towards spiritual development through aspects of tawhid, khalifah politics, tazkiyah, and physical development.
An Analysis of the Determinants of Non-Performing Financing in Islamic Commercial Banks in Indonesia during the 2015–2024 Period Utami, Adinda Putri Wulandari; Juniwati, Endang Hatma; Pakpahan, Rosma; Nugraha, Hanafi; Hazma, Hazma
Journal of Applied Islamic Economics and Finance Vol. 6 No. 1 (2025): Journal of Applied Islamic Economics and Finance (Oktober 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v6i1.6773

Abstract

Non Performing Financing is one of the important indicators in assessing the financial health of Islamic Commercial Banks. This study aims to determine the magnitude of the influence of FDR, BOPO, Net Imbalan, Inflation, and Exchange Rate on Non Performing Financing which is proxied by the NPF ratio. This study uses a quantitative approach with a descriptive method, and the data analysis technique used is panel data regression analysis. The population in this study includes Islamic Commercial Banks in Indonesia registered with the Financial Services Authority (OJK) during the period 2015–2024. The data used is secondary data in the form of a combination of time series and cross-section data, where the bank's quarterly reports are obtained from the official websites of each bank. Data related to inflation and exchange rates are obtained from the official website of Bank Indonesia. The results of this study indicate that FDR and BOPO have a significant positive effect on the NPF ratio. Meanwhile, the Exchange Rate (Kurs) has a significant negative effect on the NPF ratio. Net Imbalan and Inflation do not have a significant effect on the NPF ratio. Simultaneously, all independent variables influence the NPF ratio. The results of this study are expected to provide contributions in the form of useful insights for bank management, especially in managing financing risks. Thus, this study is expected to be able to support the improvement of the stability and performance of Islamic Commercial Banking in Indonesia.
INSTITUTIONAL AND POLICY DEVELOPMENT IN ISLAM Nurhidayat, Naufal; Ulpah, Dina Mariana; Nugraha, Hanafi; Sunengsih, Imas
KOMITMEN: Jurnal Ilmiah Manajemen Vol. 6 No. 1 (2025): KOMITMEN: Jurnal Ilmiah Manajemen
Publisher : FEBI UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jim.v6i1.43798

Abstract

This journal examines Islamic development institutions and policies. It aims to learn more about Islamic institutional and development policies in ensuring that the interests of society are aligned with the principles of Shari’a. The method used in this journal is a qualitative approach obtained from the literature of books, articles and the internet and refers to previous research that is collaborated into related discussions so that the author can provide systematic and relevant conclusions. The results of this journal state that institutions and policies have a relationship in development, especially the country’s economy, which is realized through special institutions related to public welfare, such as shari’a banking, shari’a pawn shops, BAZNAS, BMT. In Islam, economic development is not only a physical necessity, but is oriented towards spiritual development through aspects of tawhid, khalifah politics, tazkiyah, and physical development.
Analisis Makroekonomi dan Maqasid Syariah terhadap Fenomena Lipstick Effect pada Penjualan Kosmetik Halal Hanafi Nugraha
Jurnal Riset Ekonomi Syariah Volume 6, No. 1, Juli 2026 Jurnal Riset Ekonomi Syariah (JRES)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jres.v6i1.9387

Abstract

Abstract. The halal cosmetics industry in Indonesia demonstrates strong resilience despite global macroeconomic pressures. The lipstick effect phenomenon is crucial to examine because halal cosmetics serve not only as aesthetic commodities but also as instruments of psychological resilience and spiritual identity for Muslim consumers amidst economic uncertainty. This study aims to explain the relationship between macroeconomic variables exchange rate, inflation, interest rate, GDP, and unemployment rate and the sales of halal cosmetic products at PT Mandom Indonesia Tbk through the lens of Maqasid al-Shariah and the Lipstick Effect phenomenon. The article adopts Keynesian consumption theory and consumer behavior theory, emphasizing that spending decisions are influenced not only by income but also by psychological and spiritual factors. Using a quantitative approach with multiple linear regression on quarterly data from 2017–2024, the results show that the exchange rate has a negative and significant effect on sales (β = –2.623; p = 0.0023), while inflation, interest rate, and GDP have positive but insignificant effects. These findings suggest that rupiah depreciation reduces sales, whereas halal cosmetic consumption remains stable due to spiritual motivation and the principles of hifz al-nafs and hifz al-mal. Abstrak. Industri kosmetik halal di Indonesia menunjukkan ketahanan yang kuat meskipun berada di bawah tekanan makroekonomi global. Fenomena lipstick effect menjadi krusial untuk dikaji karena kosmetik halal bukan sekadar komoditas estetika, melainkan instrumen resiliensi psikologis dan identitas spiritual bagi konsumen Muslimah di tengah ketidakpastian ekonomi. Artikel ini bertujuan menjelaskan hubungan antara variabel makroekonomi seperti kurs, inflasi, BI Rate, PDB, dan tingkat pengangguran terbuka terhadap penjualan produk kosmetik halal PT Mandom Indonesia Tbk dalam perspektif Maqasid al-Shariah dan fenomena Lipstick Effect. Kajian ini berlandaskan teori konsumsi Keynesian serta teori perilaku konsumen, yang memandang konsumsi tidak hanya dipengaruhi oleh pendapatan, tetapi juga faktor psikologis dan spiritual. Metode yang digunakan ialah pendekatan kuantitatif dengan analisis regresi linier berganda terhadap data tiap kuartal 2017–2024. Hasil menunjukkan bahwa kurs berpengaruh negatif dan signifikan terhadap penjualan (β = –2,623; p = 0,0023), sedangkan inflasi, BI Rate, dan PDB berpengaruh positif namun tidak signifikan. Temuan ini mengindikasikan bahwa pelemahan nilai tukar menekan penjualan, sementara konsumsi kosmetik halal relatif stabil karena dipengaruhi oleh motivasi spiritual dan nilai hifz al-nafs serta hifz al-mal.
The Evolution of Hadith Studies: From Early Writing to Digital Verification in the Era of Modern Science Himmah Makhollah Arofina; Hanafi Nugraha
KEDJATI Journal of Islamic Civilization Vol. 3 No. 1 (2026): KEDJATI Journal of Islamic Civilization
Publisher : KEDJATI Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The rapid expansion of digital access to information has transformed hadith studies, creating a critical challenge in the widespread dissemination of fabricated traditions and the limited availability of reliable digital verification systems. This study aims to examine the evolution of hadith verification from classical scholarship to contemporary digital approaches and to evaluate their effectiveness in preserving authenticity. A qualitative approach was employed through a literature review and historical comparative analysis to trace the development of hadith criticism, from traditional sanad and matan evaluation to emerging technologies such as artificial intelligence and blockchain. The findings indicate that although digital platforms enhance accessibility and accelerate dissemination, current verification tools remain insufficient for comprehensive and accurate authentication. Consequently, classical methodologies continue to serve an indispensable role in maintaining scholarly rigor. Besides, this study argues for an integrative framework combining traditional hadith criticism with advanced technological innovations to address current challenges. Hence, it concludes that such synergy provides a more reliable pathway for safeguarding hadith authenticity and offers a conceptual foundation for developing robust digital verification systems capable of mitigating contemporary disinformation.
The Influence of the Audit Committee and Islamic Corporate Governance on Fraud in Sharia Commercial Banks for the Period 2010 – 2023 Trisandi Trisandi; Muhamad Umar Mai; Rosma Pakpahan; Hanafi Nugraha
Journal of Applied Islamic Economics and Finance Vol. 6 No. 2 (2026): Journal of Applied Islamic Economics and Finance (February 2026)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v6i2.7224

Abstract

This study aims to determine the effect of Third Party Funds, Non Performing Financing, Financing to Deposit Ratio on Return on Assets, with financing as an intervening variable. This study uses data from Islamic Commercial Banks for the period 2018-2023 totaling 12. The research method used is quantitative, data analysis techniques in the form of panel data regression with a path analysis approach using WarpPLS 8.0 Software. This study found the results of direct influence, namely FDR and Financing have a significant positive effect on ROA, DPK has a positive insignificant effect on ROA, and NPF has a negative insignificant effect on ROA. DPK and FDR have a significant positive effect on Financing, and NPF has a positive insignificant effect on Financing. While the results of indirect influence, namely DPK has a significant positive effect on ROA through financing, but FDR and NPF have a positive insignificant effect on ROA.
Co-Authors Destian Arshad Hazma, Hazma Himmah Makhollah Arofina Juniwati, Endang Hatma Mochamad Umar Mai Nurhidayat, Naufal Pakpahan, Rosma Sunengsih, Imas Trisandi Trisandi Ulpah, Dina Mariana Utami, Adinda Putri Wulandari