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SIMA and SBIS Effect on Liquidity in Sharia Commercial Banks Rahmat, Ali; Rizal, Sofyan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 1 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i1.2812

Abstract

The study aims to determine the effect of the Interbank Mudharabah Investment Certificate (SIMA) on Liquidity in Islamic Commercial Banks, also to determine the effect of the Bank Indonesia Sharia Certificate (SBIS) on Liquidity in Islamic Commercial Banks, and determine the effect of SIMA and SBIS on Liquidity in Islamic Commercial Banks simultaneously. The type of research used in this research is quantitative research. Quantitative research is one of the research methods used to test a theory, present a fact or describe statistics, show relationships between variables, and some are to develop concepts, develop understanding, or describe many things. This study uses a quantitative approach in the form of financial ratios based on time series. Time series is data arranged chronologically according to time on a particular variable. The data used is monthly data. SIMA has no effect on liquidity in Islamic Commercial Banks for the 2016-2019 period, and SBIS has no effect on liquidity in Islamic Commercial Banks for the 2016-2019 period. At last, SIMA and SBIS have no simultaneous effect on liquidity in Islamic Commercial Banks for the 2016-2019 period.
Da’wah Tarbiyah of the Indonesian Muslim Students Islamic Union (KAMMI): Political Communication and Public Opinion Perspective Sunaryanto, Sunaryanto; Bakti, Andi Faisal; Rizal, Sofyan
Jurnal Ilmiah Syi'ar Vol 22, No 1 (2022): June 2022
Publisher : UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/syiar.v22i1.10437

Abstract

The purpose of the study was to analyze Da’wah Tarbiyah of the Indonesian Muslim Students Islamic Union (KAMMI) from the perspective of political communication and public opinion. The methodology used is qualitative with a literature study approach. Data was collected from various journals, books, and research results published online. Data analysis techniques use flowing techniques (data reduction, data display, and drawing research conclusions). The nature of data analysis carried out in the study is descriptive-analytical by making descriptions and analyzing all library data that has been obtained. This study concludes that the Da’wah Tarbiyah of KAMMI has a romantic relationship with Prosperous Justice Party (PKS) and the Muslim Brotherhood. The typology of the Da’wah Tarbiyah is conservative, accommodating, and reformist, carrying out the vision of uniting the state with Islam. KAMMI built Da’wah Tarbiyah by conducting political communication with the PKS as the house of the movement. This organization makes public opinion so that the Muslim community accepts Da’wah Tarbiyah. This extra-campus organization fights political communication and public opinion by integrating da’wah and politics so that Islam can become a formal ideology in building the country.
Analysis Indonesian Sharia Banks' Readiness to Face the Evolution of Financial Technology-Based Sharia Financial Services in Indonesia Harfian, Muhammad Juang; Amalia, Euis; Terminanto, Ade Ananto; Rizal, Sofyan; Aziz, Roikhan Mochamad; Febriansyah, Febriansyah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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

Abstract

The purpose of this study is to assess the level of readiness and steps taken by Bank Syariah Indonesia (BSI) in responding to the development of Financial Technology-based financial services. The research method used is descriptive qualitative by collecting data through observation, interviews, and documentation. The results of the study indicate that Bank Syariah Indonesia (BSI) has prepared itself by considering the Slameto concept, which includes aspects of readiness to meet demands and goal motivation as well as physical, mental, and emotional balance. In addition, the study also discusses efforts in building technology to improve employee skills and knowledge, especially in the areas of security, risk, and fraud, which have been achieved through Core System Modernization, Connectivity and Infrastructure, Monitoring and Management of Combined Data, Structure, Business Mentoring, and Internal Improvement, as well as through Unifled Platform & Customer 360 and Digital Expansion & Open Banking. All of this aims to improve employee quality through training to adapt to the digital era, develop human resources, improve security and infrastructure, and expand Bank Syariah Indonesia's (BSI) digital network.
Representasi Mitos dan Ideologi dalam Meme Visualisasi Cadar di Internet: Perspektif Semiotika Sunaryanto Sunaryanto; Sofyan Rizal
Jurnal Desain Vol 11, No 2 (2024): Jurnal Desain
Publisher : Universitas Indraprasta PGRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30998/jd.v11i2.17671

Abstract

The Influence of Financial Performance and Economic Performance on the Financial Stability of ASEAN Islamic Banking Ikrar Syahdani; Sofyan Rizal; Roikhan Mochammad Aziz
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10465

Abstract

Global dynamics and geopolitical uncertainty put pressure on the stability of the financial system, including Islamic banking. Fluctuations in Islamic financial and economic performance tend to be unstable, potentially hampering real sector growth and reducing the competitiveness of the Islamic economy globally. This research uses a quantitative approach with a panel data regression method, which combines time series and cross-sectional data. The variables used include financial performance indicators, namely ROE, ROA, CAR, and NPF, as well as economic performance indicators, including GDP growth, inflation, and the unemployment rate. These findings indicate that certain macroeconomic variables and profitability levels play a role in maintaining the stability of the Islamic banking system. The implications of this research emphasize the importance of incorporating labor market indicators into macroprudential policies, the need for a different approach in handling interbank crises, and the acceleration of digitalization due to the pandemic, which presents both opportunities and risks for financial stability.
MELAWAN BORJUISASI GAYA HIDUP PEREMPUAN DESA: PEMAKNAAN TERHADAP FILM PENDEK JAGOKU UNTUK MBAK MENTIK: AGAINST THE BOURGEOISATION OF VILLAGE WOMEN'S LIFESTYLE: MEANING OF THE SHORT FILM JAGOKU FOR MBAK MENTIK Sunaryanto Sunaryanto; Ahmad Rofi Syamsuri; Sofyan Rizal
ANDHARUPA: Jurnal Desain Komunikasi Visual & Multimedia Vol. 11 No. 1 (2025): Maret 2025
Publisher : Dian Nuswantoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/andharupa.v11i1.11256

Abstract

Penelitian ini bertujuan untuk menjelaskan makna perlawanan terhadap borjuisasi gaya hidup perempuan desa yang direpresentasikan dalam film pendek Jagoku Untuk Mbak Mentik yang ditayangkan dalam kanal YouTube Paniradya Kaistimewan. Penelitian ini menggunakan jenis kualitatif dengan pendekatan studi media dan kajian budaya yang menggunakan paradigma kritis. Analisis data menggunakan analisis tekstual media berdasarkan teori meanings and media yang dibagi menjadi 4 (empat) konsep: semiotika, denotasi dan konotasi, strukturalisme, dan kode (mitos dan ideologi). Penelitian menyimpulkan bahwa film pendek Jagoku Untuk Mbak Mentik secara semiotika terdapat tanda yaitu laptop, rumah dengan dinding kayu, kursi kayu. Laptop merupakan simbol perjuangan gender, modernitas dan kapitalisme karena digunakan sebagai sarana untuk berbelanja online dengan sistem hutang (pay later). Rumah dengan dinding dan kursi kayu merupakan simbol tradisionalisme masyarakat desa yang bekerja sebagai petani. Makna denotasinya adalah bahwa perempuan desa bisa menggunakan teknologi untuk membangun gaya hidup modern dan melawan ketimpangan gender. Makna konotasinya adalah kehadiran teknologi laptop dan internet justru menjadikan perempuan desa harus tunduk pada gaya hidup borjuis dan konsumtif yang didorong oleh kapitalisme global. Struktur sosial yang direpresentasikan dalam film adalah perebutan kekuasaan antara ideologi gender, kapitalisme, dan tradisionalisme budaya masyarakat petani.
A CONCEPTUAL FRAMEWORK FOR HALAL SMEs DIGITAL TRANSFORMATION: OVERCOMING PLATFORM DEPENDENCY THROUGH FINTECH-ENABLED DIRECT-TO-CONSUMER STRATEGIES Shafira, Alfina; Said, Muhammad; Hosen, Muhammad Nadratuzzaman; Yama, Indo; Rizal, Sofyan
Jurnal Ilmiah Ilmu Terapan Universitas Jambi Vol. 10 No. 3 (2026): Volume 10, Nomor 3, June 2026
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jiituj.v10i3.56515

Abstract

This study aims to develop a comprehensive conceptual framework to transform halal SMEs from platform dependency to digital autonomy through independent Direct-to-Consumer (D2C) websites, supported by Sharia-compliant fintech. This study employs a bibliometric review, drawing on 120 high-quality publications (30 papers per search query) from the Scopus and Web of Science databases. VOSviewer software was used to perform co-occurrence analysis of author and index keywords, generating network, overlay, and density visualizations. The VOSviewer analysis identified 23 key items divided into 3 main clusters with 207 links and a total link strength of 902: (1) Red Cluster – Supporting Technologies for Standalone Websites (website, platform, e-commerce, user, application); (2) Green Cluster – Fintech Innovation in the Halal Digital Ecosystem (fintech, innovation, data, evidence, role); and (3) Blue Cluster – Comparison of D2C Business Models (performance, company, time, resource, effect). The overlay visualization indicated that websites (2018.0), e-commerce (2018.5), fintech (2018.5), and innovation (2018.5) were relatively new research areas. The proposed three-stage framework—Market Dependency, Hybrid Transition, and Digital Autonomy—integrates appropriate fintech instruments (Murabahah for digital asset development, revenue-based financing for marketing, and Mudharabah for growth). Novelty: This study offers the first bibliometric mapping of the intersection between halal SMEs, D2C models, and Sharia fintech, proposing an integrated framework that bridges technical, financial, and institutional dimensions. Implications: The framework provides practical guidance for halal entrepreneurs, fintech providers, and policymakers to reduce platform dependency and achieve digital autonomy.