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This Author published in this journals
All Journal Jurnal Ekonomi & Keuangan Islam Review of Islamic Social Finance and Entrepreneurship
Muchammad Taufiq Affandi
Department of Finance, Durham University, Durham, United Kingdom
Religion Economics, Econometrics & Finance Social Sciences

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The role of financial performance on the profitability of Indonesian Islamic banks Lidia Sjarief; Muhammad Abdul Ghoni; Muchammad Taufiq Affandi
Jurnal Ekonomi & Keuangan Islam Volume 9 No. 2, July 2023
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol9.iss2.art9

Abstract

Purpose – This study aims to analyse the effect of non performing financing (NPF), capital adequacy ratio (CAR), financing to deposit ratio (FDR), and Bank Indonesia shariah promissory notes (SBIS) on Islamic banks’ profitability (ROA) in Indonesia.Methodology – The data set consists of 10 Islamic banks operating in Indonesia between 2017—2021. The secondary data was collected from the Financial Services Authority (Otoritas Jasa Keuangan, OJK). A method of panel data is used for this study by using Stata 17 to process the data.Findings – The estimation results showed that NPF partially has a significant negative relationship on ROA, both CAR and SBIS have a significant effect on ROA, while FDR does not affect ROA. Simultaneously, NPF, CAR, and FDR do not affect ROA. But NPF, CAR, FDR, and SBIS simultaneously have a positive and significant effect on the Islamic Bank's profitability (ROA) by the year 2017 – 2021.Implications – Islamic banks need to be more selective in providing financing to customers so that financing risks can be minimized. In addition, CAR and SBIS need to be increased or maintained so that the profitability level of Islamic banks can be maximized.Originality – This research tries to re-examine the effect of financial performance on the profitability of Islamic banks in 2017-2021.
Understanding muzaki adoption of digital zakat payments in Indonesia Emiroh Arsyina Ahimsa; Heri Sudarsono; Muhammad Abdul Ghoni; Muchammad Taufiq Affandi
Review of Islamic Social Finance and Entrepreneurship Volume 2 Issue 2, 2023
Publisher : Center for Islamic Economics and Development Studies [P3EI]

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/RISFE.vol2.iss2.art7

Abstract

Purpose – This study aims to analyze the influence of performance expectancy, effort expectancy, social influence, zakat literacy, and facility conditions on the intention of muzaki to pay zakat using a digital platform.Methodology – Primary data was collected through an online survey involving 144 Jawa. Muzaki has used various online channels to pay zakat and analyzed it using structural equation modeling as the empirical approach. This study used the extended unified theory of acceptance and use of technology (UTAUT) as the theoretical framework. The data analysis technique used in this study is partial least square (PLS) analysis.Findings – The findings indicate that performance expectancy, effort expectancy, social influence, and zakat literacy have a positive influence on the intention of Muslims to pay zakat through online platforms. Meanwhile, the intention to pay zakat and facility conditions have a positive influence on the use of online platforms to pay zakat.Implications – Zakat institutions need to improve digital facilities to make it easier for muzaki to pay zakatOriginality – The object of this research focuses on Muslim communities on the island of Java who have fulfilled the requirements as muzaki.
Co-Authors Emiroh Arsyina Ahimsa Heri Sudarsono Lidia Sjarief Muhammad Abdul Ghoni