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All Journal Signifikan : Jurnal Ilmu Ekonomi JURNAL AKUNTANSI DAN AUDITING Jurnal Indo-Islamika Kinerja EQUILIBRIUM Jurnal Ushuluddin Jurnal Pengabdian Kepada Masyarakat (Indonesian Journal of Community Engagement) Falah : Jurnal Ekonomi Syariah Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Prosiding SI MaNIs (Seminar Nasional Integrasi Matematika dan Nilai-Nilai Islami) Jurnal Ilmiah Ekonomi Islam Journal of Management Review Jurnal Pengabdian Pada Masyarakat International Journal of Islamic Economics and Finance (IJIEF) Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan) Jurnal Organisasi Dan Manajemen Jurnal Agrotek UMMat JCES (Journal of Character Education Society) MATAPPA: Jurnal Pengabdian Kepada Masyarakat Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam International Journal of Islamic Business and Economics (IJIBEC) E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Jurnal Online Insan Akuntan SULTANIST: Jurnal Manajemen dan Keuangan Jurnal Ilmiah Edunomika (JIE) JURNAL EKONOMI SYARIAH Jurnal Riset Entrepreneurship IJECA (International Journal of Education and Curriculum Application) Jurnal Pasar Modal dan Bisnis Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Nusantara Science and Technology Proceedings Jurnal Pasca Dharma Pengabdian Masyarakat Al Mashaadir : Jurnal Ilmu Syariah JENTRE JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) JENTRE: Journal of Education, Administration, Training and Religion Wadiah : Jurnal Perbankan Syariah JAMAIKA: Jurnal Abdi Masyarakat Journal of Innovation Research and Knowledge Amal: Jurnal Ekonomi Syariah Equilibrium: Jurnal Ekonomi Syariah IIJSE Jurnal Kajian Ekonomi dan Perbankan Syariah
Roikhan Mochamad Aziz, Roikhan Mochamad
Universitas Islam Negeri Syarif Hidayatullah Jakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Social Sciences Other

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Value of Efficiency and Worship in Islamic Bank XYZ Acep Riana Jayaprawira; Roikhan Mochamad Aziz; Dita Nur Amanda
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 5, No 1 (2022): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i1.3957

Abstract

This study aims to analyze Islamic Bank XYZ efficiency level with the DEA method and Islamic Values for the period 2015 to 2019 and to see the effect of input and output variables on Islamic Bank XYZ growth rate. Measuring the degree of efficiency in this study uses the DEA method and Islamic Values with an input variable consisting of the right of a third party to profit-sharing, operating expenses and a variable of operating revenue production. This study is desk research with references from journal, book, and internet media. Methodology uses quantitative comparative with method of Development Envelope Analysis (DEA). The results of this research show that Islamic Bank XYZ efficiency in 2018 and 2019 has an efficiency level of 100 percent, while in 2015, 2016, and 2017 there were inefficiencies of less than 100 percent. The output variable has a good production value effectively producing output, and has a good contribution to Islamic Bank XYZ development compared to the input variable, so the efficiency value has fluctuations in each period. The weighting applied to Islamic Bank XYZ was achieved in the calculation of the reflexivity value with high percentages.
Determinants of Market Share of Islamic Commercial Banks in Indonesia in the Economic System Shafira, Alfina; Rizal, Sofyan; Aziz, Roikhan Mochamad
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 8, No 2 (2025): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v8i2.8092

Abstract

This research analyzes the impact of the BI Rate, CAR, ROA, FDR, as well as Murabahah and Musyarakah financing, on the market share of Islamic Commercial Banks (BUS) in Indonesia. Using quantitative panel data regression on quarterly data from 7 BUSs covering the period 2015-2024, the study found that all tested variables significantly affect market share. The BI Rate, as a macroeconomic factor, showed significance, indicating the sensitivity of Islamic banking to external economic conditions and monetary policy. Internal factors such as CAR (Capital Adequacy Ratio) and ROA (Return on Assets) positively and significantly influenced market share, aligning with Islamic economic principles of maintaining stability and wealth. FDR (Financing-to-Deposit Ratio) also had a positive effect, highlighting the link to real sector financing. On the product side, Murabahah, the dominant financing contract, proved individually significant. Musyarakah, although less utilized due to higher risk, also exerted a positive influence, underscoring the potential of Profit-Loss Sharing (PLS) schemes in Islamic finance. Overall, the findings indicate that BUS market share is influenced by a combination of external factors (BI Rate), internal health (CAR, ROA), and a focus on real sector financing (FDR, Murabahah, Musyarakah), implying a connection between the fundamental performance of Islamic banks and the real sector they finance.
Co-Authors Acep R. Jayaprawira Acep Riana Jayaprawira Ady Cahyadi, Ady Ahmad Rodoni Almi, Ridho Fikri Amanda, Dita Nur Annisa Nur Qaidah Aris Munandar Ariyanti, Rini Asep Saipul Milah Asyari Hasan, Asyari Awaludin Syarif Abdulah Dhiyaul Haq Dita Nur Amanda Ery Yohana Matoenji Fahrudin Fahrudin Falaach, Gilang Fajrul Farhan Syihab Mulyadi Fathimah, Zuni Maulida Fauziyah Latiefa Salsabila Febriansah, Febriansah Fitri Amalia Fitri Amalia Haq, Dhiyaul Harfiahani Indah Rakhma Ningtyas Harfian, Muhammad Juang Helmi Ali Hidayani Syam Hidayat, M Fahmi Ifan Rizky Kurniyanto Intan Agustin Wulandari Irwan Moridu Izzah Corrie Fatihah Jauhara Hana Nabilah Jayaprawira, Acep R. Jesyca Lulu Precilia Putri Kamila, Tazkia Kievo Syah Gusman Latifah, Leti Lubis, Mhd Rafki Luckhy Natalia Anastasye Lotte Lucky Nugroho Lutfi Nur Agustian M. Fathur Rohim Arrozy Maghfiroh , Fachrial Lailatul Meilani Meilani Meilani Meilani, Meilani Mohammad Rafli Syahputra Muhammad Asyep Syam’aeni Muhammad Ronaydi Nisfina Sya’baniyah Nur Ahmad, Nur Nurrokhim, Isma Pandu Priantoro Puji Gita Ario Ilham Puji Hadiyati Purbawati Setyaningsih Qonita Lutfiah Rahma Nurcahyani Safitri Rahmadani, Vivi Ridho Fikri Almi Salsabila, Fauziyah Latiefa Sa’diyah, Halimatus Sekar Aini Zahroh Sen, Hasbi Shafira, Alfina Soeharjoto Soekapdjo Soeharjoto, Soeharjoto Sofyan Rizal, Sofyan Subandono, Agus Sulistyowati Sulistyowati Sulistyowati Sulistyowati Syafnavebiola Syafnavebiola Syahrul Syahrul Syarafina Putri Pratidina Syarifuddin Mabe Parenreng Terminanto, Ade Ananto Tia Fitriyani Venie, Venie Wibowo, Satrio Bayu Yarham, M. Yaumi, Anukhrija Yunie Fitriani Yunie Fitriani, Yunie Yusuf Ronny Edward Zahroh, Sekar Aini