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All Journal El-Barka: Journal of Islamic Economics and Business Labatila: Jurnal Ilmu Ekonomi Islam
Deris Lazuardi
UIN Sayyid Ali Rahmatullah Tulungagung
Economics, Econometrics & Finance Social Sciences

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The Influence of Trade in Services, Inflation, and Foreign Direct Investment on the Sharia Stock Index: A Case Study in Indonesia and Malaysia Deris Lazuardi; Binti Nur Asiyah
El-Barka Journal of Islamic Economics and Business Vol. 8 No. 2 (2025)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v8i2.12038

Abstract

Abstract: Fluctuations in the prices of sharia-compliant stocks in the capital market are statistically reflected by the sharia stock index. The objective of this study is to analyze the effect of trade in services, inflation, and foreign direct investment (FDI) on the sharia stock index in Indonesia and Malaysia during the period 2011-2023. The researcher in this study used a quantitative method and the data source used was secondary data. The results of the study indicate that, partially, the service trade (trade in services) variable has a positive and significant effect on the sharia stock index, but partially, the inflation and foreign direct investment variables do not have an effect and are not significant on the sharia stock index. Meanwhile, simultaneously, the variables of services trade, inflation, and foreign direct investment have a positive and significant effect on the sharia stock index. The adj. R² value is 89%, meaning that the variables of services trade, inflation, and foreign direct investment can explain 89% of the sharia stock index, and all variables have a very good influence, as the R-squared (R2) value is 91%.
Analysis of the Determinants of Non-Performing Financing (NPF) at Sharia Commercial Banks in Indonesia Deris Lazuardi; Muhammad Aswad; Rokhmat Subagiyo
LABATILA : Jurnal Ilmu Ekonomi Islam Vol. 10 No. 01 (2026)
Publisher : Lembaga Penelitian dan Pengembangan Masyarakat IAINU Kebumen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33507/zhzj7c65

Abstract

Sharia banking plays a strategic role in supporting national development to promote the distribution of prosperity among the people. This study aims to examine and analyze the influence of the Capital Adequacy Ratio (CAR), Return on Assets (ROA), and Operating Expenses to Operating Income (OEOI/BOPO) on Non-Performing Financing (NPF) at Sharia Commercial Banks in Indonesia in the 2021-2025 period, both partially and simultaneously. Using the Agency Theory perspective, this study evaluates the performance of management (the agent) in managing funds (the principal) to mitigate risk. The research approach is quantitative, utilizing secondary data sourced from the official annual reports of each bank. The analysis technique employed is panel data regression using the Common Effect Model (CEM), processed using RStudio software version 2026. The research sample consists of five sharia commercial banks selected through purposive sampling. The results show that, when analyzed partially, CAR has no influence on NPF, while ROA and OEOI/BOPO have a positive and significant influence on NPF. Simultaneously, CAR, ROA, and OEOI/BOPO have a significant influence on NPF, with an R-squared (R2) value of 0.6831 and an adjusted R-squared of 0.6340, indicating that 63.40% of the variation in NPF can be explained by the model. The study’s conclusion confirms that operational inefficiencies and risk-taking behavior by management in pursuit of profitability are the primary determinants that increase the risk of non-performing loans. Therefore, sharia banking management is expected to strengthen internal oversight and apply the principle of prudence to maintain the long-term stability of asset quality.
Co-Authors Binti Nur Asiyah Muhammad Aswad Rokhmat Subagiyo