Article Per Year (5 Year)
p-Index From 2021 - 2026
0.659
P-Index
This Author published in this journals
All Journal El Dinar Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Journal of Ekonomics, Finance, and Management Studies
Fira Nurafini
Universitas Negeri Surabaya
Religion Arts Humanities Economics, Econometrics & Finance Education Social Sciences Other

Published : 3 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search

 1 
ARE ISLAMIC BANKS STILL SOUND AMIDST PANDEMIC? Clarashinta Canggih; Fira Nurafini; Sri Abidah Suryaningsih; Khusnul Fikriyah; Rachma Indrarini; Fitriah Dwi Susilowati
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 2 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i2.17256

Abstract

The paper aims to check whether Islamic banks in Indonesia remain sound amid the Covid-19 Pandemic by comparing the soundness levels of Islamic commercial banks before and during the Covid-19 Pandemic. This research used a quantitative approach with the non-parametric Wilcoxon Signed-Rank Test to compare bank soundness before and during the Covid-19 Pandemic. The bank's resilience was measured using the Risk-Based Bank Rating (RBBR), e.g., Non-Performing Finance (NPF), Finance to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), and Net Operating Margin (NOM). The study exempted aspects of Good Corporate Governance since it is qualitative. The study used quarterly data in 2018-2019 (before the pandemic) and 2020-2021 (during the pandemic). The results showed a significant difference between CAR before and during the Covid-19 Pandemic. Meanwhile, NPF, FDR, ROA, and NOM showed no significant differences before and during the Covid-19 Pandemic. Based on the results, it can be concluded that the Covid-19 Pandemic generally does not affect the Islamic banks' soundness level, except for capital. It showed that the Islamic Bank proved to be resilient against crises. The study adds literature on the resilience of Islamic banks, particularly during the Covid-19 Pandemic, and validates the RBBR measurement to analyze the bank's soundness. In addition, the results of this study are also expected to be a consideration for policymakers to design the right policies for optimizing Islamic banks to thrive and support post-pandemic recovery.
Pelatihan Pengelolaan Keuangan Berbasis Syariah Pada PKK Kabupaten Lumajang Sri Abidah Suryaningsih; Clarashinta Canggih; Fira Nurafini; Moch. Khoirul Anwar; Maryam Bte Badrul Munir
Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 3 No. 1 (2023): February
Publisher : Inspirasi Nusantara

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

Abstract

Lumajang is one of the areas in East Java, Indonesia, with a Muslim majority population. As Muslims, we must understand sharia rules, including how to manage sharia-based finance. Based on the results of the interviews, it was found that the majority of Lumajang District PKK cadres who are Muslim still do not optimally understand how to manage finances based on Islamic rules. Therefore, financial management training is needed from a sharia perspective to increase people's knowledge and abilities in managing finances according to Islamic rules to bring goodness to the world and the hereafter. Sharia-based financial management training is carried out through preparation, pre-test, training implementation, and post-test. The training results showed that the participant's understanding of sharia-based financial management increased from an average pre-test score of 71% and an average post-test score of 85%.
Determinants of Islamic Commercial Bank Stability in Indonesia during the 2019–2024: A Fixed Effects Panel Model with Driscoll–Kraay Standard Eror Approach Muhammad Fakhri Dzulfiqar; Fira Nurafini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i10.9597

Abstract

Stability in the banking sector is essential for maintaining financial system resilience, particularly in the context of Islamic finance. This study aims to examine the effects of internal and external factors on the stability of Islamic commercial banks in Indonesia over the 2019–2024 period. Secondary data were obtained from the Financial Services Authority (OJK) and the Central Bureau of Statistics (BPS). The sample comprises ten Islamic commercial banks selected via purposive sampling. The analysis was carried out using panel‐data regression with Driscoll–Kraay standard errors to correct for heteroskedasticity, and serial correlation. Findings indicate that financial performance indicators, BOPO, NPF, NOM, and CAR significantly affect bank stability, whereas the FDR does not significant. Among macroeconomic factors, inflation and HHI exert significant effects, while GDP growth and exchange-rate remain insignificant to Islamic Commercial Banking.
Co-Authors Clarashinta Canggih Fitriah Dwi Susilowati Khusnul Fikriyah Maryam Bte Badrul Munir Moch. Khoirul Anwar Muhammad Fakhri Dzulfiqar Rachma Indrarini Sri Abidah Suryaningsih