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All Journal An-Nisbah : Jurnal Perbankan Syariah Al-Iqtishod : Jurnal Ekonomi Syariah Islamic Economics and Business Review (IESBIR) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Wadiah: Jurnal Perbankan Syariah
Asriani
Universitas Islam Negeri Raden Intan Lampung
Religion Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Determinan Tingkat Kesejahteraan Keluarga di Masa Pandemi Covid-19 dalam Perspektif Ekonomi Islam Dania Hellin Amrina; Asih Agustriyani; Asriani
Islamic Economics and Business Review Vol 2 No 2 (2023): IESBIR, August 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59580/iesbir.v2i2.5776

Abstract

This study aims to analyze how much influence income level, lifestyle, and number of family members have on the level of family welfare in the view of Islamic Economics in Kampung Jati Anom Kel. Srengsem Kec. Panjang. This study uses a quantitative approach which is descriptive statistics. The sampling technique uses Quota Sampling. The population is 294 families and the sample is 100 families. Collecting data using questionnaires/questions and documentation techniques. Partially, the results of this study indicate that the variable income level and lifestyle affect the level of family welfare, while the variable number of family members has no effect. Simultaneously, the level of income, lifestyle, and number of family members affect the level of family welfare. From an Islamic perspective, real welfare is feeling sufficient, this is still not felt by most of the people of Kampung Jati Anom Kel. Srengsem Kec. Panjang.
Analysis of The Influence of Sharia Monetary Operations Instruments on Gross Domestic Product in Indonesia in The Perspective of Islamic Economics in 2019-2023 Diah Salsyarani; Asriani; Yulistia Devi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.8259

Abstract

This study aims to analyze the influence of Islamic monetary operation instruments on gross domestic product. The results of the study indicate that in the long term, Bank Indonesia Sharia Certificates have a positive and significant effect on gross domestic product, but have no effect in the short term. Bank Indonesia Sharia Deposit Facilities in the long term or short term have no effect and are not significant on Gross Domestic Product, as well as the Islamic Interbank Money Market. These findings provide evidence that Islamic monetary operation instruments have not had a significant impact on Gross Domestic Product, so that a stimulus is needed to channel Islamic financing to the real sector in order to help increase economic growth.
Pengaruh Inflasi, Suku Bunga (BI Rate), dan Non Performing Pinancing (NPF) Terhadap Profitabilitas Bank Umum Syariah Di Indonesia (Periode 2020-2024) Asriani; Ahmad Hazas Syarif; Weny Rosilawati
An-Nisbah: Jurnal Perbankan Syariah Vol. 7 No. 2 (2026): An-Nisbah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v7i2.4866

Abstract

Abstrak. Penelitian ini bertujuan untuk menganalisis pengaruh Inflasi, BI Rate, dan Non Performing Financing (NPF) terhadap Profitabilitas pada Bank Umum Syariah di Indonesia. Permasalahan utama dalam penelitian ini adalah fluktuasi tingkat profitabilitas perbankan syariah yang dipengaruhi oleh kondisi ekonomi makro serta risiko pembiayaan yang dihadapi oleh bank. Perubahan tingkat inflasi dan suku bunga (BI Rate) dapat mempengaruhi aktivitas pembiayaan dan penghimpunan dana bank, sementara tingginya tingkat Non Performing Financing (NPF) dapat menurunkan kinerja keuangan dan profitabilitas bank syariah. Sampel penelitian terdiri dari 7 Bank Umum Syariah dengan total 35 observasi yang dipilih menggunakan metode purposive sampling. Teknik analisis data yang digunakan adalah regresi data panel yang diolah menggunakan perangkat lunak Eviews 13. Hasil penelitian menunjukkan bahwa secara parsial inflasi berpengaruh positif namun tidak signifikan terhadap profitabilitas dengan nilai koefisien sebesar 0,586584 dan probabilitas 0,2039. Suku bunga (BI Rate) berpengaruh positif namun tidak signifikan terhadap profitabilitas dengan nilai koefisien 0,021637 dan probabilitas 0,9807. Sementara itu, Non Performing Financing (NPF) berpengaruh negatif namun tidak signifikan terhadap profitabilitas dengan nilai koefisien -0,328638 dan probabilitas 0,3700. Secara simultan, variabel inflasi, BI Rate, dan NPF tidak berpengaruh signifikan terhadap profitabilitas Bank Umum Syariah yang ditunjukkan oleh nilai Prob F-statistic sebesar 0,369989 > 0,05. Selain itu, nilai Adjusted R-squared sebesar 0,007435 menunjukkan bahwa kemampuan ketiga variabel independen dalam menjelaskan variasi profitabilitas masih sangat rendah, sehingga terdapat faktor lain di luar model penelitian yang lebih memengaruhi profitabilitas Bank Umum Syariah di Indonesia.Temuan ini menunjukkan bahwa kondisi ekonomi makro dan pengelolaan risiko pembiayaan menjadi faktor penting dalam menentukan tingkat profitabilitas perbankan syariah. kata kunci : Inflasi, BI Rate, Non Performing Financing, Profitabilitas, Bank Umum Syariah.
Determinasi Faktor-Faktor Makroekonomi Terhadap Suku Bunga (BI) di Indonesia Dalam Perspektif Ekonomi Islam Tahun 2003-2024 Menggunakan Model VECM Viska Rahmawati; Asriani; Sania Nuraziza
Al-Iqtishod : Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Al-Iqtishod: Jurnal Ekonomi dan Bisnis Islam
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Sunan Kalijogo Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/iqtis.v7i2.4462

Abstract

Penelitian ini menganalisis determinasi faktor-faktor makroekonomi terhadap suku bunga Bank Indonesia periode 2003-2024 dalam perspektif ekonomi Islam. Penelitian kuantitatif ini menggunakan metode Vector Error Correction Model (VECM) dengan variabel cadangan devisa, nilai tukar, dan pertumbuhan ekonomi sebagai determinan suku bunga. Hasil penelitian menunjukkan bahwa dalam jangka panjang, pertumbuhan ekonomi berpengaruh positif dan signifikan terhadap suku bunga (t-statistik 4,13 > 2,10). Sebaliknya, cadangan devisa (t-statistik 0,90 < 2,10) dan nilai tukar (t-statistik 1,83 < 2,10) tidak berpengaruh signifikan terhadap suku bunga dalam jangka panjang. Dari perspektif ekonomi Islam, penelitian ini juga menganalisis bahwa suku bunga merupakan manifestasi praktik riba yang dilarang dalam syariah. Sistem keuangan Islam menawarkan alternatif melalui prinsip bagi hasil (mudharabah), jual beli (murabahah), dan sewa (ijarah) yang menekankan keadilan distributif, berbagi risiko proporsional, dan keberkahan, bukan hanya keuntungan materi yang pasti seperti dalam sistem suku bunga konvensional.
Analisis Pengaruh Non Performing Financing (NPF), Dana Pihak Ketiga (DPK), Dan Capital Adequacy Ratio (CAR) Terhadap Asset Liquidity Manajemen (ALMA) Bank Umum Syariah Di Indonesia Periode 2020 – 2024 Elvira Damayanti; Asriani; Rosydalina Putri
WADIAH Vol. 10 No. 2 (2026): Wadiah: Jurnal Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v10i2.3536

Abstract

This study aims to analyze the effect of Non-Performing Financing (NPF), Third-Party Funds (DPK), and Capital Adequacy Ratio (CAR) on Asset Liquidity Management (ALMA) in Islamic Commercial Banks in Indonesia for the period 2020-2024. The main issue addressed in this study is the instability of Islamic banking liquidity, which is influenced by financing risk, fluctuations in public funds, and bank capital adequacy, particularly in the post-COVID-19 pandemic period. This study employs a quantitative approach using secondary data in the form of financial statements of Islamic Commercial Banks obtained from the Islamic Banking Statistics published by the Financial Services Authority (OJK). The sample consists of 10 Islamic Commercial Banks selected using purposive sampling. The data analysis technique used is panel data regression processed using EViews 13 software. The results show that partially, Non-Performing Financing (NPF) has a negative but insignificant effect on ALMA. Meanwhile, Third-Party Funds (DPK) and Capital Adequacy Ratio (CAR) have a negative and significant effect on ALMA in Islamic Commercial Banks in Indonesia during the 2020-2024 period. These findings indicate that although theoretically financing quality, third-party fund mobilization, and capital adequacy influence liquidity management, in practice banks tend to adopt more conservative strategies in maintaining liquidity. This study is expected to provide valuable insights for Islamic bank management and regulatory authorities in strengthening adaptive and sustainable liquidity management strategies.
Co-Authors Ahmad Hazas Syarif Amrina, Dania Hellin Asih Agustriyani Diah Salsyarani Elvira Damayanti Rosydalina Putri Sania Nuraziza Viska Rahmawati Weny Rosilawati Yulistia Devi