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All Journal Signifikan : Jurnal Ilmu Ekonomi JURNAL AKUNTANSI DAN AUDITING Jurnal Indo-Islamika Kinerja 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 Al-Mashrof: Islamic Banking and Finance 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 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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Leveling and Worship in Islamic Banking to Increase the Value Aziz, Roikhan Mochamad; Falaach, Gilang Fajrul; Sen, Hasbi
JURNAL INDO-ISLAMIKA Vol 13, No 1 (2023): JUNE
Publisher : Graduate School of Syarif Hidayatullah State Islamic University Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/jii.v13i1.29317

Abstract

This study aims to analyze the level of reflexivity towards the merger activities of Islamic banks in Indonesia. The case studies that are the object of this study are 3 Islamic banks that have just merged. The data used in this study is secondary data sourced from financial reports issued by each Islamic bank or financial services authority. The measurement of this level of reflexivity uses bank performance values and Islamic values. This study aims to investigate the effect of various variables using multiple linear regression. The findings suggest that Hahslm has a reflective effect on both financial performance and worship. Additionally, it is suggested that the application of good prayer in Hahslm's activities contributes to the observed changes in these variables when comparing the results before and after to further analyze the results and understand the relationships between the variables, it would be helpful to know the specific independent variables included in the regression analysis. These independent variables could be factors related to Hahslm's operations, management practices, or any other relevant variables that might influence financial performance and worship. The use of multiple linear regression allows for the examination of the simultaneous impact of multiple independent variables on the dependent variables. By analyzing the regression coefficients, it is possible to determine the strength and direction of the relationships between the variables. This study will also look at the effect of variables using multiple linear regression.
Optimalisasi Peran Sukuk dalam Meningkatkan Kinerja Industri Halal di Indonesia Shafira, Alfina; Rizal, Sofyan; Aziz, Roikhan Mochamad; Hasan, Asyari
JENTRE Vol. 6 No. 1 (2025): JENTRE: Journal of Education, Administration, Training and Religion
Publisher : Balai Diklat Keagamaan Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38075/jen.v6i1.536

Abstract

This study explores the strategic role of sukuk (Islamic bonds) in advancing the performance of Indonesia's halal industry, which holds vast potential given the country’s large Muslim population. The purpose of this research is to identify how sukuk can be utilized as an effective Islamic financial instrument to support the growth of various halal sectors, including food, cosmetics, pharmaceuticals, tourism, and fashion. Employing a qualitative descriptive method through a literature review, this study synthesizes data from scholarly journals, institutional reports, and regulatory sources. The findings show that sukuk significantly contributes to the financing needs of the halal industry, particularly in infrastructure development, production capacity expansion, and market competitiveness. Furthermore, the integration of sukuk-based financing supports Indonesia’s vision to become a global hub for the halal economy. The study concludes that optimizing sukuk issuance and public awareness through multi-stakeholder collaboration—including government, Islamic scholars, financial practitioners, and industry players—is essential for accelerating the industry's performance. It is recommended that Indonesia strengthen policy frameworks, enhance halal certification efficiency, and encourage sukuk-backed investment mechanisms to boost national halal industry competitiveness.
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.
Optimalisasi Peran Sukuk dalam Meningkatkan Kinerja Industri Halal di Indonesia Shafira, Alfina; Rizal, Sofyan; Aziz, Roikhan Mochamad; Hasan, Asyari
JENTRE Vol. 6 No. 1 (2025): JENTRE: Journal of Education, Administration, Training and Religion
Publisher : Balai Diklat Keagamaan Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38075/jen.v6i1.536

Abstract

This study explores the strategic role of sukuk (Islamic bonds) in advancing the performance of Indonesia's halal industry, which holds vast potential given the country’s large Muslim population. The purpose of this research is to identify how sukuk can be utilized as an effective Islamic financial instrument to support the growth of various halal sectors, including food, cosmetics, pharmaceuticals, tourism, and fashion. Employing a qualitative descriptive method through a literature review, this study synthesizes data from scholarly journals, institutional reports, and regulatory sources. The findings show that sukuk significantly contributes to the financing needs of the halal industry, particularly in infrastructure development, production capacity expansion, and market competitiveness. Furthermore, the integration of sukuk-based financing supports Indonesia’s vision to become a global hub for the halal economy. The study concludes that optimizing sukuk issuance and public awareness through multi-stakeholder collaboration—including government, Islamic scholars, financial practitioners, and industry players—is essential for accelerating the industry's performance. It is recommended that Indonesia strengthen policy frameworks, enhance halal certification efficiency, and encourage sukuk-backed investment mechanisms to boost national halal industry competitiveness.
The Empowerment of MSMEs through Islamic P2P Financing: A Value-Based Social Entrepreneurship Framework Latifah, Leti; Rodoni, Ahmad; Aziz, Roikhan Mochamad
International Journal of Islamic Economics and Finance (IJIEF) Vol. 8 No. 2 (2025): IJIEF Vol 8 (2), July 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijief.v8i2.27985

Abstract

Islamic Peer-to-Peer (P2P) financing has become a promising alternative to overcome capital barriers faced by Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. This study aims to examine the empowerment role of Islamic P2P financing through two complementary approaches. First, a descriptive qualitative method was employed to analyze the business models of Islamic P2P platforms and their integration with social entrepreneurship values. Second, a Systematic Literature Review was conducted to specifically assess the role of Islamic fintech in supporting MSME capitalization. The descriptive findings indicate that leading platforms such as ALAMI and Ammana integrate sharia contracts mudharabah, musyarakah, wakalah, and qardh to combine commercial goals with social impact. These practices reflect the principles of social entrepreneurship by enhancing inclusivity, ethical finance, and community empowerment. The SLR, based on 20 eligible articles published between 2019 and 2025, identified three main themes. First, models and financing schemes, including musyarakah, mudharabah, qardh al-hasan, and smart contracts that expand outreach and efficiency. Second, key success factors, such as trust, sharia compliance, literacy, technological innovation, and transparent information that drive adoption. Third, impact on financial inclusion and empowerment, highlighting contributions to MSME growth, poverty alleviation, inequality reduction, and integration with halal certification and community-based initiatives. Overall, the study confirms that Islamic P2P financing functions not merely as a financial intermediary but also as a driver of socio-economic transformation. Theoretically, it advances discourse on value-based financial innovation, while practically, it provides insights for policymakers, regulators, and practitioners to strengthen sharia fintech as a catalyst for MSME development and sustainable Islamic economic ecosystems.
Keterkaitan Indikator Moneter Syariah Terhadap Pendapatan Domestik Bruto Fitriani, Yunie; Aziz, Roikhan Mochamad; Amalia, Fitri
Signifikan: Jurnal Ilmu Ekonomi Vol 1, No. 1, April 2012
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v1i1.2595

Abstract

The purpose of this research is to analyze in the short term and long term between the four independent variables including: the financing of Islamic banking, the Jakarta Islamic Index (JII), the Islamic Bank Indonesia certificates (SBIS), and the money supply (JUB) to gross domestic product (GDP). This research uses the test to notice any indications of Granger was awarded a long-term relationship and Error Correction Model to see the existence of a short-term relationship. The result shows that in the short-run only SBIS that have a short-run relationship to GDP. In the long-run all the independent variables can explain the long-run relationship to GDPDOI: 10.15408/sjie.v1i1.2595 
Leveling and Worship in Islamic Banking to Increase the Value Aziz, Roikhan Mochamad; Falaach, Gilang Fajrul; Sen, Hasbi
JURNAL INDO-ISLAMIKA Vol. 13 No. 1 (2023): JUNE
Publisher : Graduate School of UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/jii.v13i1.29317

Abstract

This study aims to analyze the level of reflexivity towards the merger activities of Islamic banks in Indonesia. The case studies that are the object of this study are 3 Islamic banks that have just merged. The data used in this study is secondary data sourced from financial reports issued by each Islamic bank or financial services authority. The measurement of this level of reflexivity uses bank performance values and Islamic values. This study aims to investigate the effect of various variables using multiple linear regression. The findings suggest that Hahslm has a reflective effect on both financial performance and worship. Additionally, it is suggested that the application of good prayer in Hahslm's activities contributes to the observed changes in these variables when comparing the results before and after to further analyze the results and understand the relationships between the variables, it would be helpful to know the specific independent variables included in the regression analysis. These independent variables could be factors related to Hahslm's operations, management practices, or any other relevant variables that might influence financial performance and worship. The use of multiple linear regression allows for the examination of the simultaneous impact of multiple independent variables on the dependent variables. By analyzing the regression coefficients, it is possible to determine the strength and direction of the relationships between the variables. This study will also look at the effect of variables using multiple linear regression.
Ekonomi pertanian era pandemi dengan metafora kupu-kupu berkode R12 dan R47 dalam ibadah Aziz, Roikhan Mochamad
Jurnal Agrotek Ummat Vol 9, No 2 (2022): April
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jau.v9i2.8236

Abstract

The aim of this research is to analyze agricultural economic development in the pandemic era with the function of butterflies as agricultural pollinating insects with codes R12 and R47 in symbols of worship. The object of this research is agricultural pollinating insects, namely Butterflies. The research was carried out from literacy studies of journals, books, scriptures, and electronic media. The methodology used is descriptive analysis. The methods used include reflexivity, dynivity, and similarity. The results obtained that the Butterfly motif stores codes R12 and R47 which are the unification of religion and science. There is a natural morphology on the butterfly's upper wings in the form of seven individual lines (7). The bottom wing motif shows a pattern of three (3) small circles like the letter sin, there is also a protrusion of the inner wing that has a long motif with the pattern of the number one (1) like the letter lam, and the largest circle pattern with the number nine (9) on the inside like the letter mim, so it looks like 319 and sinlammim. The source of my reflexivity comes from the R12 which is positioned at the bottom. The number 19 out of 319 is also found in Covid-19 which has an economic impact. The butterfly carries the message of the formula resulting from the structure of creation on the wings with the Hahslm 472319 pattern. This formula gives the meaning of dynivitas (unification) in the Butterfly that religion and science are one unit. Besides that, there is also meaning in the life of a pandemic in the form of a link between the existence of butterflies that the agricultural process is carried out in a worship way through insects with a wing motif which shows that humans turn to God for worship. The novelty of this research is that the dynivtas formula stored in the butterfly's wings can be used as a lesson in agricultural ecosystems in the current pandemic economic era.
Analisis Faktor-Faktor Yang Mempengaruhi Fungsi Intermediasi Serta Dampaknya Terhadap Kinerja Keuangan BUS Di Indonesia Almi, Ridho Fikri; Aziz, Roikhan Mochamad
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.6843

Abstract

The current problem is a decline in the intermediation function of Islamic commercial banks (BUS), which is reflected in the FDR ratio. The purpose of this study is to determine the factors that affect the intermediation function of tangible assets and intangible assets that exist in the BUS and how the impact on the financial performance of the BUS. The study was conducted on 8 BUS. This research method uses path analysis with trimming model. The results of the study state that partially TPF, NPF, CAR have an effect on FDR, partially there is no significant effect between BOPO and iB-VAICTM on FDR. Partially there is a significant effect between TPF, NPF, CAR, iB-VAICTM and FDR on ROA and partially there is no significant effect between BOPO on ROA. Simultaneously there is the influence of TPF, NPF, CAR, BOPO, and iB-VAICTM there is an intermediation function proxied by FDR and simultaneously there is the effect of TPF, NPF, CAR, BOPO, iB-VAICTM and FDR on the financial performance of Islamic commercial banks proxied with ROA. This study is expected to be used as an evaluation material for the decline in the intermediation function in the BUS. BUS is expected to optimize the promotion of services/products, in order to increase public inclusion of Islamic banks and also increase the capacity of human resources in banking (intangible assets), conduct call center training, and recruit quality human resources
Understanding Consumer Behavior In Murabahah Financing Choices: The Role Of Knowledge Ariyanti, Rini; Aziz, Roikhan Mochamad; Nurrokhim, Isma; Maghfiroh , Fachrial Lailatul; Subandono, Agus
WADIAH Vol. 9 No. 1 (2025): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v9i1.1844

Abstract

This study aims to understand consumer behavior in choosing murabahah financing at BMT Beringharjo Nganjuk Branch, focusing on the role of consumer knowledge as the main factor influencing decision-making. This study uses a quantitative method with a simple linear regression analysis technique. Data were collected through questionnaires for 66 respondents who are BMT customers. The results of the study indicate that consumer knowledge has a significant influence on murabahah financing decision-making, with a correlation coefficient of 0.796 (strong relationship) and an R² value of 63.4%. This indicates that 63.4% of the variability in consumer decisions can be explained by their level of knowledge, while 36.6% is influenced by other factors. Education through family and friends is the main source of information (60.6%), while electronic media and brochures are less effective. In conclusion, increasing consumer knowledge, especially through product education, can encourage more informed decisions and strengthen trust in sharia financing. This study is relevant in formulating marketing and education strategies to improve consumer understanding and BMT competitiveness in the sharia financial sector.
Co-Authors Acep R. Jayaprawira Acep Riana Jayaprawira 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 Euis Amalia Fahrudin Fahrudin Falaach, Gilang Fajrul Farhan Syihab Mulyadi Fathimah, Zuni Maulida Fauziyah Latiefa Salsabila Febriansyah Febriansyah 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 Juang, Muhammad Juang Harfian 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 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 Tazkia Kamila 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