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All Journal JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia Syntax Literate: Jurnal Ilmiah Indonesia Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Impresi Indonesia Jurnal Pengabdian kepada Masyarakat Desa (JPMD) Jurnal Indonesia Sosial Sains Cerdika: Jurnal Ilmiah Indonesia Jurnal Keamanan Nasional Journal of Aswaja and Islamic Economics
Masfiatun, Masfiatun
Universitas Nahdlatul Ulama Indonesia
Religion Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Immunology & microbiology Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Neuroscience Nursing Physics Public Health Social Sciences Other

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DAMPAK COVID-19 DAN VARIABEL MAKRO EKONOMI TERHADAP STABILITAS PERBANKAN SYARIAH DI INDONESIA Masfiatun
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. Spesial Issue 2 (2021): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (471.973 KB) | DOI: 10.32670/fairvalue.v4iSpesial Issue 2.954

Abstract

This research is motivated by the growth of Islamic bank assets which is quitehigh in 2020, but Non-Performing Financing (NPF) has also increased. Theentry of Covid-19 in Indonesia in early 2020 is thought to have an impact on thestability of Islamic banks. In addition to Covid-19, the stability of Islamic banksis also inseparable from the conditions of several macroeconomic indicators.Therefore, this study tries to unravel whether Covid-19 and whatmacroeconomic indicators affect the stability of Islamic banks. The data used inthis study are monthly time series from 2016-2020. The results of this studyindicate that Covid-19 has a negative effect on the stability of Islamic bankswhile the Growth of Gross Domestic Product (GDP) has a positive effect.
Dampak ekonomi digital dan tingkat inflasi terhadap pertumbuhan sektor ekonomi di indonesia Masfiatun, Masfiatun; M Supriyadi, M Supriyadi; Nahdila, Muhammad
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 5 No. 6 (2023): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/fairvalue.v5i6.2873

Abstract

This research is motivated by the condition of economic growth in Indonesia, which has slowed down after being affected by COVID-19. The government's imposition of social restrictions has disrupted the economic cycle, particularly distribution and consumption. This condition became the basis for the emergence of digitalization in the economic sector. Besides the need for innovation, it is also important to maintain price stability or avoid inflation. The purpose of this study is to determine the impact of the digital economy and the inflation rate on growth in the economic sector in Indonesia. The method used in this study is a time series method using historical data from 2010–2020. The results of this study indicate that the digital economy variable has a significant positive effect on economic growth for the primary and secondary sectors, while the inflation variable has no significant effect.
Dampak Faktor Eksternal dan Internal Terhadap Risiko Pembiayanaan Musyarakah dan Mudharabah Bank Syariah di Indonesia Masfiatun, Masfiatun; Yulia Agustina, Asiroch; Khairunnisa
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : Syntax Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36418/syntax-literate.v10i1.49928

Abstract

Penelitian ini bertujuan untuk mengidentifikasi faktor eksternal dan internal yang mempengaruhi risiko pembiayaan musyarakah dan mudharabah pada bank syariah. Faktor eksternal yang dianalisis adalah inflasi, sedangkan faktor internal meliputi Financing to Deposit Ratio (FDR), Beban Operasional Pendapatan Bank (BOPO), dan Nett Operating Margin (NOM). Data yang digunakan dalam penelitian ini berupa data time series dengan frekuensi bulanan dari tahun 2019 hingga 2023. Untuk menganalisis hubungan antar variabel, penelitian ini menggunakan model regresi linear berganda. Hasil penelitian menunjukkan bahwa inflasi dan BOPO memiliki pengaruh positif signifikan terhadap risiko pembiayaan musyarakah dan mudharabah, yang mengindikasikan bahwa peningkatan inflasi dan BOPO meningkatkan risiko pembiayaan pada bank syariah. Sebaliknya, FDR memiliki pengaruh negatif signifikan terhadap risiko pembiayaan, menunjukkan bahwa peningkatan FDR dapat menurunkan risiko pembiayaan. Sementara itu, variabel NOM tidak menunjukkan pengaruh signifikan dalam model ini. Penelitian ini memberikan wawasan penting bagi pengelola bank syariah dalam mengelola risiko pembiayaan. Dengan memahami pengaruh faktor eksternal dan internal terhadap risiko pembiayaan, bank syariah dapat merumuskan strategi yang lebih efektif untuk meningkatkan stabilitas dan kinerja pembiayaan musyarakah dan mudharabah. Temuan ini juga dapat menjadi referensi untuk kebijakan perbankan syariah di masa depan.
Analysis of the Determinants of Financing Risk in Islamic Banks in Indonesia Masfiatun Masfiatun; Nur Khayin Muhdlor; Mohammaad Zuhdi
Jurnal Indonesia Sosial Sains Vol. 5 No. 11 (2024): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v5i11.1492

Abstract

This research aims to analyze the factors affecting Islamic banks' financing risks. The data used in this study are from Sharia Commercial Banks nationally, with observations from 2018 to 2022 for a monthly time period, while the model in this study is multiple linear regression. The results of the study show that internal factors, such as ROA and CAR, have a significant negative effect on financing risk, while BOPO has a significant positive effect on financing risk. The conclusion of this study emphasizes the importance of bank performance in minimizing risks faced by banks, as well as the need to improve operational efficiency and human resource management.
Pengaruh Faktor Ekonomi Terhadap Jumlah Kejahatan (Crime Total) Di Indonesia (2015-2017) Masfiatun, Masfiatun
Jurnal Keamanan Nasional Vol. 5 No. 2 (2019): JURNAL KEAMANAN NASIONAL VOL 5 NO 2 TAHUN 2019
Publisher : Pusat Kajian Keamanan Nasional (Puskamnas) Universitas Bhayangkara Jakarta Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study is motivated by the number of crimes in Indonesia in 2015-2017 that are fluctuating. Efforts and policies to prevent and reduce crime have been carried out by state in this case the security apparatus (Polri), but the implication is that not all regions can reduce the number of crimes. Therefore this study tries to examine whether economic factors influence the number of crimes. The model used in this study is a random effect model with a period of research from 2015 to 2017. The results of the study indicate economic inequality has a positive effect significant on the number of crimes, while the variables of economic growth, poverty, and unemployment do not affect significantly to the number of crimes.
Analysis of the Determinants of Financing Risk in Islamic Banks in Indonesia Masfiatun, Masfiatun; Muhdlor, Nur Khayin; Zuhdi, Mohammaad
Jurnal Indonesia Sosial Sains Vol. 5 No. 11 (2024): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v5i11.1492

Abstract

This research aims to analyze the factors affecting Islamic banks' financing risks. The data used in this study are from Sharia Commercial Banks nationally, with observations from 2018 to 2022 for a monthly time period, while the model in this study is multiple linear regression. The results of the study show that internal factors, such as ROA and CAR, have a significant negative effect on financing risk, while BOPO has a significant positive effect on financing risk. The conclusion of this study emphasizes the importance of bank performance in minimizing risks faced by banks, as well as the need to improve operational efficiency and human resource management.
Pelatihan Perencanaan Keuangan Ala Nabi Yusuf Alaihissalam For Kids Bagi Santri Pesantren Ramadhan Masjid Al-Iqdam Asiroch Yulia Agustina; Nur Khayin Muhdlor; Masfiatun; Ahmad Faishal Zindan
Jurnal Pengabdian kepada Masyarakat Desa (JPMD) Vol. 7 No. 2 (2026): JPMD
Publisher : LP3M IAIFA Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58401/jpmd.v7i2.3317

Abstract

This Community Service activity aims to introduce the basic concepts of financial systems and wealth management in accordance with Islamic teachings through an innovative approach that integrates the story of Prophet Yusuf Alaihissalam as a learning medium tailored for children. The novelty of this activity lies in the presentation of Islamic financial literacy material, which is not only delivered theoretically but also packaged through the exemplary lessons found in the Quranic story, making it easier to understand, more relevant, and capable of fostering religious awareness at the same time. The activity was held at the Main Hall of Masjid Jami’ Al-Iqdam, Lenteng Agung, South Jakarta, as part of the Ramadhan Islamic Boarding School series of events. This program was designed based on the urgent need to instill Islamic economic values from an early age, so that the younger generation understands that managing finances is not merely a worldly matter, but also a form of worship and a trust that must be accounted for before Allah SWT. The implementation methods included interactive lectures, inspirational storytelling, and hands-on simulation exercises. The material covered the true nature of wealth, the importance of saving, future planning, as well as the principles of justice and honesty, all exemplified by Prophet Yusuf Alaihissalam. The results showed high enthusiasm among participants and a significant improvement in their understanding. This improvement was measured using pre-test and post-test instruments consisting of 12 questions based on 4 indicators, with an average increase in understanding reaching 68.3%
Financial Literacy, Religious Attitudes Toward Online Gambling, and Their Impact on The Financial Well-Being of The Younger Generation Asiroch Yulia Agustina; Masfiatun; Nurhadi Fadill; Muhammad Ashlyzan bin Razik
Jurnal Iqtisad Vol 13 No 1 (2026): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v13i1.15650

Abstract

This study is motivated by the increasing number of online gambling cases in Indonesia, which has developed into a serious social, economic, and financial well-being issue for society. West Java Province has recorded the highest number of online gambling cases in Indonesia, involving 535,644 individuals with a transaction value of approximately IDR 3.8 trillion. The high prevalence of online gambling has placed Indonesia in a state of financial health emergency. This study aims to examine and analyze the influence of financial literacy and religiosity on online gambling behavior, as well as its impact on the financial health of the younger generation in Parung District. This study employed a quantitative research design using path analysis with the assistance of SPSS software. The variables examined in this study were financial literacy (X1), religiosity (X2), online gambling behavior (Z), and financial health (Y). The results of Model I show that financial literacy and religiosity have a significant negative effect on online gambling behavior. Meanwhile, the results of Model II indicate that only financial literacy has a significant effect on financial health, whereas religiosity has no significant effect on financial health.
Analisis Kesehatan Bank dengan Metode RGEC dan Camel Masfiatun Masfiatun
Jurnal Impresi Indonesia Vol. 4 No. 8 (2025): Jurnal Impresi Indonesia
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jii.v4i8.6922

Abstract

Penelitian ini bertujuan untuk menilai kesehatan Bank KB Bukopin Syariah dari tahun 2022 sampai 2024 dengan menggunakan RGEC (yang menilai Profil Risiko, Aset, Manajemen, Good Corporate Governance (GGC), Earnings, dan Capital), dan CAMEL (yang menganalisis Permodalan, Aset, Manajemen, Pendapatan dan Likuiditas). Data yang digunakan dalam penelitian ini adalah data sekunder yang bersumber dari laporan keuangan KB Bukopin Syariah dari tahun 2022 sampai 2024. Hasil penelitian ini menjukkan baik dari pengukuran dengan metode RGCR maupun CAMEL Bank KB Bukopin Syariah berada dalam kondisi cukup sehat.
Pengaruh Struktur Modal Terhadap Kinerja Keuangan Bank Syariah di Indonesia Masfiatun Masfiatun
Cerdika: Jurnal Ilmiah Indonesia Vol. 6 No. 1 (2026): Cerdika: Jurnal Ilmiah Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/cerdika.v6i1.3282

Abstract

Penelitian ini bertujuan untuk melihat pengaruh struktur modal terhadap kinerja kekuangan bank syariah. Variabel yang digunakan untuk mengukur kinerja bank adalah ROA (Return on Asset) sedangkan indikator struktur modal bank menggunakan FDR (Financing to Deposit Ratio) dan CAR (Cappital Adequacy Ratio). Data yang digunakan dalam penelitian ini adalah data time series dengan frekuensi bulanan dari tahun 2022 hingga 2024. Untuk menganalisis hubungan antar variabel, penelitian ini menggunakan model regresi linear berganda. Hasil penelitian ini menemukan bahwa FDR dan ROA berpengaruh positif signifikan sedangkan CAR tidak berpengaruh signifikan. Oleh karena itu pemangku kebijakan harus melakukan pengawasan khusus agar FDR berada dalam indikator yang sehat.
Co-Authors Ahmad Faishal Zindan Alfi Syahrin Asiroch Yulia Agustina Khairunnisa M Supriyadi, M Supriyadi Mohammaad Zuhdi Muhammad Ashlyzan bin Razik Muhdlor, Nur Khayin Nahdila, Muhammad Nur Khayin Muhdlor Nur Khayin Muhdlor Nur Khayin Muhdlor Nurhadi Fadill Zuhdi, Mohammaad