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All Journal JRAK: Jurnal Riset Akuntansi dan Komputerisasi Akuntansi Tahkim (Jurnal Peradaban dan Hukum Islam) MUQTASID Hayula: Indonesian Journal of Multidisciplinary Islamic Studies Jurnal ASET (Akuntansi Riset) Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Amwaluna Jurnal Ekonomi dan Keuangan Syariah Indonesian Journal of Islamic Economics Research JRAK (Jurnal Riset Akuntansi dan Bisnis) (e-Journal) Journal of Islamic Business and Economic Review (JIBER) Jurnal Riset Ekonomi Syariah Bandung Conference Series : Sharia Economic Law Bandung Conference Series : Syariah Banking Jurnal Riset Perbankan Syariah Influence: International Journal of Science Review Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
ifa hanifia senjiati
(Id Sinta : 6013836 ) Universitas Islam Bandung
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Pengaruh Biaya Operasional dan Greenbanking terhadap Profitabilitas Bank Umum Syariah Putri Fitriya Salsabila; Ifa Hanifia Senjiati; Wijayanti, Intan Manggala
Bandung Conference Series: Syariah Banking Vol. 3 No. 2 (2024): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v3i2.14202

Abstract

Abstract. The banking industry in Indonesia has experienced rapid development, accompanied by demands to enhance profitability and preserve the environment. This research aims to analyze the influence of the Operational Cost Ratio (BOPO) and Green banking on the profitability contribution of banks in Indonesia during the period 2013- 2023. This method examines a specific population or sample to measure the relationship between variables using statistical analysis. The focus is on the financial performance of Islamic banking in Indonesia implementing green banking, with financial ratios as the primary tool. The impact of Operational Costs and Green banking on Sharia Bank Profitability. The impact of Operational Costs on Profitability Operational Costs have a significant negative impact on the profitability of Sharia banks implementing green banking (2013-2023). The significance value is 8,201, smaller than α0.05, and the tt-statistic is 3.836, greater than the critical value.This research has important implications for banks, investors, and regulators. For banks, it provides guidance on enhancing profitability through operational efficiency and implementing Green banking. For investors, it offers information to assess bank financial performance more comprehensively. For regulators, it provides input to formulate policies that support sustainable banking development. Abstrak. Industri Perbankan di Indonesia mengalami perkembangan yang pesat, namun diiringi dengan tuntutan untuk meningkatkan profitabilitas dan menjaga kelestarian lingkungan. Penelitian ini bertujuan untuk menganalisis pengaruh Rasio Biaya Operasional (BOPO) dan Green banking terhadap kontribusi profitabilitas bank di Indonesia selama periode 2013-2023. Metode ini meneliti populasi atau sampel tertentu untuk mengukur hubungan antar variabel menggunakan analisis statistik. Fokus penelitian adalah kinerja keuangan perbankan syariah di Indonesia yang menerapkan green banking, dengan analisis rasio keuangan sebagai alat utamanya. Pengaruh Biaya Operasional dan Green banking terhadap Profitabilitas Bank Syariah. Pengaruh Biaya Operasional terhadap Profitabilitas Biaya Operasional memiliki pengaruh negatif signifikan terhadap profitabilitas bank syariah yang menerapkan green banking (2013-2023). Nilai signifikansi adalah 8,201, lebih kecil dari α0.05, dan tt-statistik sebesar 3.836, lebih besar dari nilai kritis. Hipotesis nol ditolak, menunjukkan semakin kecil biaya operasional, semakin tinggi profitabilitas. Penelitian ini memberikan implikasi penting bagi bank, investor, dan regulator. Bagi bank, penelitian ini memberikan panduan untuk meningkatkan profitabilitas melalui efisiensi operasional dan penerapan Green banking. Bagi investor, penelitian ini memberikan informasi untuk menilai kinerja keuangan bank secara lebih komprehensif. Bagi regulator, penelitian ini memberikan masukan untuk merumuskan kebijakan yang mendukung pengembangan perbankan yang berkelanjutan.
Analisa Kinerja Keuangan Organisasi Pengelola Zakat pada Penyajian Laporan Keuangan BAZNAS Kabupaten Garut Periode 2018-2022 Delia Anggraeni; Zaini Abdul Malik; Ifa Hanifia Senjiati
Bandung Conference Series: Syariah Banking Vol. 3 No. 2 (2024): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v3i2.14233

Abstract

Abstrak. Analisis kinerja keuangan dengan menggunakan rasio keuangan OPZ berguna untuk menilai dan meningkatan kesehatan, performa, kinerja serta keberlanjutan organisasi pengelola zakat. Rasio keuangan digunakan untuk menggambarkan hubungan antara pos-pos yang ada dalam laporan keuangan, sehingga dapat menunjukkan perubahan baik atau tidaknya dengan membandingkan rasio keuangannya. Rumusan Penelitian ini bertujuan untuk mengukur kinerja keuangan BAZNAS Kabupaten Garut periode 2018-2022 dengan menggunakan rasio keuangan OPZ. Indikator kinerja keuangan yang digunakan pada penelitian ini yaitu rasio aktivitas, rasio efisiensi, rasio dana amil, rasio likuiditas, dan rasio pertumbuhan. Metode yang digunakan dalam penelitian ini adalah deskriptif kuantitatif dengan pendekatan normatif dan empiris. Sampel yang digunakan dalam penelitian ini adalah laporan keuangan BAZNAS Kabupaten Garut tahun 2018-2022. Hasil penelitian ini kinerja BAZNAS Kabupaten Garut periode 2018-2022 dilihat dari Rasio aktivitas secara keseluruhan kinerja BAZNAS Kabupaten Garut pada tahun 2018-2022 menunjukkan sudah efektif dan baik. Pada Rasio Efisiensi, untuk rasio biaya penghimpunan kinerja BAZNAS Kabupaten Garut di interpretasikan efisien, namun untuk Rasio Biaya Operasional dan Rasio Biaya SDM menunjukkan tidak efisien. Rasio dana amil secara keseluruhan dilihat dari rata-ratanya menunjukkan kinerja BAZNAS Kabupaten Garut tidak baik. Rasio likuiditas secara keseluruhan di lihat dari rata-ratanya menunjukan hasil kinerja BAZNAS Kabupaten Garut yang tidak baik. Rasio pertumbuhan secara keseluruhan menunjukan kinerja BAZNAS Kabupaten Garut yang tidak baik. Abstract. Financial performance analysis using OPZ financial ratios is useful for assessing and improving the health, performance, performance and sustainability of zakat management organizations. Financial ratios are used to describe the relationship between the headings in the financial statements, so that it can show changes or performance of the OPZ in financial conditions over a certain period. However, the assessment of OPZ's financial performance can be said to be good or bad by comparing its financial ratios. Formulation This study aims to measure the financial performance of BAZNAS Garut Regency for the 2018-2022 period using the OPZ financial ratio. The financial performance indicators used in this study are the activity ratio, efficiency ratio, amil fund ratio, liquidity ratio, and growth ratio. The method used in this study is quantitative descriptive with a normative and empirical approach. The sample used in this study is the 2018-2022 Garut Regency BAZNAS financial report. The results of this study show that the performance of BAZNAS Garut Regency for the 2018-2022 period is seen from the overall activity ratio of the performance of BAZNAS Garut Regency in 2018-2022 shows that it is effective and good. In the Efficiency Ratio, the ratio of cost of collecting the performance of BAZNAS Garut Regency is interpreted as efficient, but for the Operational Cost Ratio and the Human Resources Cost Ratio, it shows that it is inefficient. The overall amil fund ratio seen from the average shows that the performance of BAZNAS Garut Regency is not good. The overall liquidity ratio seen from the average shows that the performance of BAZNAS Garut Regency is not good. The overall growth ratio shows that the performance of BAZNAS Garut Regency is not good and unaligned.
Pengaruh Program Microfinance terhadap Pengembangan Usaha Mikro Mustahik pada BAZNAS Kabupaten Lebak Muhammad Danu Attaraya; Zaini Abdul Malik; Ifa Hanifia Senjiati
Bandung Conference Series: Syariah Banking Vol. 3 No. 2 (2024): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v3i2.15291

Abstract

Abstract. Abstract. Baznas Microfinance is a program that utilizes zakat funds to empower the economy, and this is done through providing microfinance for business capital to mustahik. Zakat distribution is divided into two areas: distribution and utilization. In fact, even though they have received assistance from the BAZNAS microfinance program in Lebak Regency, the poverty level is still increasing. This research aims to determine the influence of the Microfinance program on the development of mustahik micro businesses at BAZNAS Lebak Regency. This research uses the theory of the effectiveness of mustahiq empowerment in managing productive zakat funds according to Kasis and Siswanto, namely increasing income and independence. This research uses quantitative research methods in the form of numeric data that can be measured. Research data collection was based on questionnaires, interviews and literature study. The data processing method in this research is structural equation modeling (SEM) with a quantitative analysis approach that adopts Partial Least Square (PLS). Based on the results of the research that has been carried out, it can be concluded that the Business Feasibility Study variable (X1), the Counseling variable (X2), the Supervision variable (X3), and the Capital variable (X5) do not have a significant effect on the Income Increase (Y1) and Independence (X2) variables. ), only the Evaluation variable (X4) has an effect on the Income Increase (Y1) and Independence (X2) variables. The conclusion that can be drawn is that the microfinance program has no effect on the development of mustahik micro businesses at Baznas Lebak Regency. Abstrak. Baznas Microfinance merupakan program yang memanfaatkan dana zakat untuk memberdayakan ekonomi, dan ini dilakukan melalui penyediaan pembiayaan mikro untuk modal usaha kepada mustahik. Penyaluran zakat dibagi menjadi dua bidang: pendistribusian dan pendayagunaan. Faktanya, meskipun mereka sudah mendapatkan bantuan dari program microfinance BAZNAS Kabupaten Lebak namun tingkat kemiskinannya masih mengalami kenaikan. Penelitian ini bertujuan untuk mengetahui pengaruh program Microfinance terhadap pengembangan usaha mikro mustahik pada BAZNAS Kabupaten Lebak. Penelitian ini menggunakan teori efektivitas pemberdayaan mustahiq dalam mengelola dana zakat produktif menurut Kasis dan Siswanto yaitu Peningkatan Pendapatan dan Kemandirian. Penelitian ini menggunakan metode penelitian kuantitatif berupa data angka yang dapat diukur. Pengumpulan data penelitian berdasarkan kuisioner, wawancara dan studi pustaka. Metode pengolahan data dalam penelitian ini adalah dengan persamaan permodelan structural equation modeling (SEM) dengan pendekatan analisis kuantitatif yang mengadopsi Partial Least Square (PLS). Berdasarkan hasil penelitian yang telah dilakukan, dapat disimpulkan bahwa variabel Studi Kelayakan Bisnis (X1), variabel Penyuluhan (X2), variabel Pengawasan (X3), dan variabel Permodalan (X5) tidak berpengaruh signifikan terhadap variabel Peningkatan Pendapatan (Y1) dan Kemandirian (X2), hanya variabel Evaluasi (X4) yang berpengaruh terhadap variabel Peningkatan Pendapatan (Y1) dan Kemandirian (X2). Kesimpulan yang dapat diambil yaitu program microfinance tidak berpengaruh terhadap pengembangan usaha mikro mustahik pada Baznas Kabupaten Lebak.
Analisis Deskriptif Tingkat Rasio Net Operating Margin dan Return on Asset Bank Muamalat Eri Rif'ah Hasanah; Ifa Hanifia Senjiati
Jurnal Riset Perbankan Syariah Volume 3, No. 2, Desember 2024, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v3i2.5111

Abstract

Abstrak. Rasio keuangan Net Operating Margin (NOM) dan Return on Asset (ROA) adalah indikator penting yang digunakan untuk menilai efisiensi dan profitabilitas bank. Selain itu penelitian ini juga bertujuan untuk menguji Bagaimana deskriptif tingkat rasio Net Operating Margin dan Return on Asset pada PT Bank Muamalat Indonesia Tbk periode 2013-2023. Penelitian ini menggunakan metode kualitatif deskriptif, dimana jenis data yang digunakan merupakan data sekunder yang diperoleh dari laporan keuangan PT Bank Muamalat Indonesia Tbk. Populasi dalam penelitian ini adalah 13 Bank Umum Syariah di Indonesia. Setelah melewati purposive sampling, terdapat 1 sampel Bank Umum Syariah yang memenuhi kriteria yaitu PT Bank Muamalat Indonesia Tbk. Metode analisis yang digunakan dalam penelitian ini analisis deskriptif dengan perangkat lunak SmartPLS 3.0. Hasil temuan penelitian menunjukkan gambaran deskriptif mengenai Net Operating Margin PT Bank Muamalat selama periode 2013-2023 menunjukkan bahwa secara umum telah menunjukkan fluktuasi yang signifikan, yang mengindikasikan ketidakstabilan dalam efisiensi operasional bank. Gambaran deskriptif mengenasi Return On Asset pada PT Bank Muamalat Indonesia Tbk selama periode 2013-2023 menunjukkan bahwa secara keseluruhan menunjukkan fluktuasi signifikan, mencerminkan ketidakstabilan dalam efektivitas penggunaan aset dan tantangan dalam mempertahankan konsistensi kinerja keuangan. Abstract. Net Operating Margin (NOM) and Return on Asset (ROA) financial ratios are important indicators used to assess a bank's efficiency and profitability. In addition, this study also aims to test how to descriptively rate the Net Operating Margin and Return on Asset ratios in PT Bank Muamalat Indonesia Tbk for the 2013-2023 period. This study uses a descriptive qualitative method, where the type of data used is secondary data obtained from the financial statements of PT Bank Muamalat Indonesia Tbk. The population in this study is 13 Sharia Commercial Banks in Indonesia. After passing the purposive sampling, there was 1 sample of Sharia Commercial Banks that met the criteria, namely PT Bank Muamalat Indonesia Tbk. The analysis method used in this study was descriptive analysis with SmartPLS 3.0 software. The results of the study show a descriptive picture of PT Bank Muamalat's Net Operating Margin during the 2013-2023 period, showing that in general it has shown significant fluctuations, which indicates instability in the bank's operational efficiency. A descriptive picture of the Return on Asset at PT Bank Muamalat Indonesia Tbk during the 2013-2023 period shows that overall it shows significant fluctuations, reflecting instability in the effectiveness of asset use and challenges in maintaining consistency in financial performance.
Efektifitas Program CSR Salam Bris pada Peningkatan Kompetensi Mahasiswa di Laboratorium Bank Mini Syariah Fauziah, Eva; Senjiati, Ifa Hanifia; Febriadi, Sandy Rizki
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 2 No. 1 (2018): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v2i1.6272

Abstract

Corporate Social Responsibility (CSR) bidang pendidikan telah menjadi perhatian perbankan syariah. Salah satu bentuk inovasi kegiatan CSR bidang pendidikan perbankan syariah adalah pemberian sofware aplikasi bank mini syariah untuk diterapkan di laboratorium bank mini syariah perguruan tinggi. Hasil menunjukkan bahwa Program CSR Salam BRIS di Bank BRI Syariah memenuhi tiga kriteria dari empat kriteria indikator program CSR yaitu memiliki rencana kegiatan, keterlibatan berbagai unit dan komponen dalam program tersebut, dan program berlandaskan kebijakan strategis. Kompetensi mahasiswa pada laboratorium Bank Mini Syariah di Perguruan Tinggi sebelum menggunakan program salamBris masuk kategori ragu-ragu karena belum pernah mengalami praktik magang atau kuliah kerja lapangan di perbankan. Adapun setelah memperoleh pembelajaran bank mini syariah dengan SalamBris memiliki nilai 81,67% (dalam kompetensi yang baik secara rata-rata. Artinya, salamBris memberikan peningkatan terhadap kompetensi mahasiswa di laboratorium bank mini syariah. Efektifitas Program CSR Salam BRIS terhadap peningkatan kompetensi mahasiswa di Laboratorium Bank Mini Syariah termasuk kategori cukup efektif berdasarkan penilaian perbandingan antara output dan input atau pre test dan post test. Adapun menggunakan perbandingan paired t-Test sample terdapat perbedaan antara sebelum dan sesudah pembelajaran menggunakan salam.
Literasi Keuangan Syariah bagi Anak School Age (Studi Kasus Pada Siswa Kelas 2 SD Darul Hikam Bandung) Senjiati, Ifa Hanifia; Anshori, Arif Rijal; Maulida, Ira Siti Rohmah; Wahyudin, Yadi
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 2 No. 2 (2018): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v2i1.6357

Abstract

Sharia financial literacy index in Indonesia by Financial Services Authority in 2016 is 8%. Consists of the youngest respondents aged 13-15 years. The index level of Islamic financial literacy at that age is 2.2%. It means that under 13 years of age in the elementary school category or school age has never been studied. Formulation and objectives of the study (1) to know the concept of Islamic financial literacy for school age children and (2) to analyze the level of syariah financial literacy in 2nd grade students of SD Darul Hikam Bandung. The method used is descriptive analysis method, with 43 samples as respondents. Techniques of research using interviews assisted with research instruments of list questions in the google form. The results showed that 1) financial literacy for school age has 20 indicators that are divided into 3 categories: money literacy, money management literacy, and syariah financial literacy. And 2) syariah financial literacy in 2nd grade students of SD Darul Hikam as much as 68,8% respondents have syariah financial literacy at level of sufficient literate.
Pengaruh BOPO, CAR, NPF dan FDR terhadap Return on Aset (ROA) BTPN Syariah 2013-2023 Iwan Setiawan; Ifa Hanifia Senjiati
Jurnal Riset Perbankan Syariah Volume 4, No. 1, Juli 2025, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v4i1.6542

Abstract

Abstrak. Pesatnya pertumbuhan aktivitas perbankan menunjukkan meningkatnya kepercayaan masyarakat terhadap bank syariah di Indonesia, sehingga bank syariah perlu meningkatkan kinerjanya keuangannya. Penelitian ini bertujuan untuk menganalisis pengaruh BOPO, CAR, NPF, dan FDR terhadap Return on Aset (ROA) pada Perusahaan BTPN Syariah periode 2013 s.d. 2023. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan regresi berganda dengan Eviews 12. Hasil penelitian uji parsial menunjukkan BOPO berpengaruh negatif signifikan terhadap ROA, CAR berpengaruh positif signifikan terhadap ROA, NPF berpengaruh negatif namun tidak signifikan terhadap ROA, sedangkan FDR menunjukkan pengaruh positif signifikan terhadap ROA. Secara Simultan BOPO, CAR, NPF dan FDR memiliki pengaruh signifikan terhadap variabel dependen nilai hasil uji F menunjukan nilai prob (F-Statistik) sebesar (0.000006 > a 0,05). Nilai koefisien determinasi (djusted R-Squared) untuk model regresi antara variabel independen dan dependen adalah 0.980598. Hal ini menunjukan bahwa variasi dari variabel independen, yaitu BOPO, CAR, NPF, dan FDR mampu menjelaskan sekitar 98,0598% variabel dependen profitabilitas perusahaan. Sementara itu, sekitar 99,901% sisanya dijelaskan atau dipengaruhi oleh variabel lain yang tidak termasuk dalam penelitian ini.   Abstract. The rapid growth of banking activities shows increasing public trust in Islamic banks in Indonesia, so that Islamic banks need to improve their financial performance. This research aims to analyze the influence of BOPO, CAR, NPF, and FDR on Return on Asset (ROA) at the BTPN Syariah Company for the period 2013 2023. The research method used is quantitative with a multiple regression approach with Eviews 12. The results of the partial test research show that BOPO has a significant negative effect on ROA, CAR has a significant positive effect on ROA, NPF has a negative but not significant effect on ROA, while FDR shows a significant positive effect on ROA. Simultaneously BOPO, CAR, NPF and FDR have a significant influence on the dependent variable. The F test results show a prob value (F-Statistics) of (0.000006 > a 0.05). The coefficient of determination (aAdjusted R-Squared) for the regression model between the independent and dependent variables is 0.980598. This shows that variations in the independent variables, namely BOPO, CAR, NPF, and FDR are able to explain around 98.0598% of the dependent variable of company profitability. Meanwhile, around 99.901% of the remainder is explained or influenced by other variables not included in this research.
Is It Legal to Handle Waqf Assets Management on Traditional Territories? Receptie a Contrario and Maslahah Perspectives Himayasari, Neng Dewi; Senjiati, Ifa Hanifia; Maulida, Ira Siti Rohmah; Anshori, Arif Rijal
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 9 No. 2 (2025): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v9i2.2974

Abstract

Waqf asset management in Indonesia faces significant challenges, particularly in regions where land legality is ambiguous. Communal lands, which often lack formal ownership documentation, complicate the legitimacy and administrative compliance of waqf assets. These issues result in unrecorded waqf assets in financial statements and acquisition reports, undermining transparency and accountability. This study aims to examine the governance challenges faced by nazhir in managing waqf assets located on communal land, with a focus on identifying legal and administrative barriers and proposing practical solutions. A qualitative case study approach was employed in Muslim minority communities in Bali. Data were collected through direct observation and in-depth interviews, and analyzed using descriptive and narrative methods. The findings reveal that nazhir are unable to formally recognize and report waqf assets on communal land due to the absence of policy guidelines and legal frameworks that accommodate such conditions. This gap hinders the application of Islamic corporate governance principles, especially in terms of disclosure and transparency. The study contributes to the discourse on waqf governance by highlighting real-world complexities in asset legitimacy and proposing risk-minimization strategies, such as encouraging local governments to issue temporary management policies. These insights offer valuable guidance for policymakers and waqf practitioners in developing inclusive and context-sensitive governance frameworks.  
Analisis Faktor Determinan Pertumbuhan Pembiayaan Pada Bank Umum Syariah di Indonesia Periode 2016-2024 10010321021, Nuraip; Ifa Hanifia Senjiati; Intan Manggala Wijayanti
Bandung Conference Series: Syariah Banking Vol. 4 No. 2 (2025): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v4i2.21481

Abstract

Abstract. The development of financing at Islamic commercial banks in Indonesia shows instability. Fluctuations in growth in recent years. Financing is influenced by several internal and external factors, such as Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Non-Performing Loan (NPF). The decline in financing growth in the 2016-2024 period is related to the impact of the COVID-19 pandemic, which slows economic activity and reduces financing demand. This study aims to analyze the influence of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Non-Performing Loan (NPF) on financing growth at Islamic commercial banks in Indonesia partially and simultaneously. This study uses a quantitative approach using panel data regression analysis with Eviews 12 as its processing tool. The study uses secondary data from annual reports of Islamic commercial banks obtained from the official websites of Islamic commercial banks, for the period 2016-2024. The results of hypothesis testing show that the Third Party Fund Ratio (TPK) has a positive but insignificant effect on financing growth at Islamic commercial banks. CAR has a significant negative effect on financing growth at Islamic commercial banks. NPF has a significant positive effect on financing growth at Islamic commercial banks. Simultaneously, the DPK, CAR, and NPF ratios have a significant effect on financing growth in Islamic commercial banks, the prob value (F-statistic) (0.000000 < 0.05). The coefficient of determination test (R² test) of the panel data regression model between the independent variables: DPK, CAR, and NPF ratios is able to explain the dependent variable of financing growth by 59.97% and the remaining 40.03% is influenced by other factors not found in this study. Abstrak. Perkembangan pembiayaan pada bank umum syariah di Indonesia menunjukan ketidakstabilan . Fluktuasi pertumbuhan beberapa tahun terakhir. pembiayaan dipengaruhi beberapa faktor internal maupun eksternal. Seperti DPK, CAR, dan NPF. Penurunan pertumbuhan pembiayaan pada periode 2016-2024 terkait dengan dampak pandemi COVID-19 memperlambat aktivitas ekonomi dan mangurangi permintaan pembiayaan. penelitian bertujuan menganalisis DPK, CAR, dan NPF mempengaruhi pertumbuhan pembiayaan pada Bank Umum Syariah di Indonesia secara parsial dan simultan. Penelitian ini menggunakan pendekatan kuantitatif menggunakan analisis regresi data panel dengan Eviews 12 sebagai alat pengolahannya. Penelitian menggunakan jenis data sekunder laporan tahunan bank umum syariah diperoleh dari situs resmi bank umum syariah, selama periode 2016-2024. Hasil pengujian hipotesis membuktikan Rasio DPK berpengaruh positif tidak signifikan terhadap pertumbuhan pembiayaan pada bank umum syariah. CAR berpengaruh negatif signifikan terhadap pertumbuhan pembiayaan pada bank umum syariah. NPF berpengaruh positif signifikan terhadap pertumbuhan pembiayaan bank umum syariah. Secara simultan Rasio DPK, CAR, dan NPF berpengaruh signifikan terhadap pertumbuhan pembiayaan pada bank umum syariah, nilai prob (F-statistik) (0.000000 < 0.05). uji koefisien determinasi (Uji R²) model regresi data panel antara variabel independen: Rasio DPK, CAR, dan NPF mampu menjelaskan variabel dependen pertumbuhan pembiayaan sebesar 59.97% dan sisanya 40.03% dipengaruhi faktor lain yang tidak terdapat pada penelitian ini.
Co-Authors 10010321021, Nuraip Agnes Yulyanti Alifia Nur Shafa Alpiah Trisna Dewi Alpiah Trisna Dewi Ananda Reynaldi Ruhiat Anshori, Arif Rijal Athiyatul Fattah Camila Afiyanti Delia Anggraeni Delia Dwiyanti Hasanah Eri Rif'ah Hasanah Eva Fauziah Eva Fauziah Febriadi, Sandy Rizki Hilman Nurul Aripin Himayasari, Neng Dewi Ibnu Muhammad Zibran Imas Maesah Itsnaina Lathifah Ridwan Iwan Permana Iwan Setiawan M. Roji Iskandar Mamat Rachmat Effendi Maulida, Ira Siti Rohmah Muhammad Danu Attaraya Muhammad Fikri Rais Mubarok Neng Dewi Himayasari Nur Kholifa Mija Putri Fitriya Salsabila ridwan, itsnaina lathifah sabila azzahra Sifa Nursalimah Siska Lis Sulistiani Sri Wulan Wahyudin, Yadi Wijayanti, Intan Manggala Winwin Yadiati Yadi Wahyudin yadi wahyudin Zaini Abdul Malik Zaldy Suhatman, Zaldy Zia Firdaus Nuzula