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All Journal Jurnal Ilmiah Ekonomi Islam Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Fira Nurafini
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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PENGARUH RELIGIUSITAS DAN LITERASI KEUANGAN SYARIAH TERHADAP MINAT MAHASISWA FAKULTAS EKONOMIKA DAN BISNIS UNIVERSITAS NEGERI SURABAYA (UNESA) DALAM MENGGUNAKAN PINJAMAN ONLINE Alfado Chievo Javantara; Fira Nurafini
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 1 (2025): Oktober
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i1.59821

Abstract

Abstrak Penelitian ini bertujuan untuk menguji religiusitas dan literasi keuangan syariah terhadap minat mahasiswa dalam menggunakan pinjaman online. Hasil pembahasan menunjukan bahwasanya pengaruh variabel religiusitas dan literasi keuangan syariah berpengaruh terhadap minat mahasiwa dalam menggunakan pinjaman online. Hal tersebut menandakan religiuistas dan literasi keuangan syariah memengaruhi minat mahasiswa dalam menggunakan pinjaman online. Pada penelitian ini menggunakan metode kuantitatif dengan pengumpulan data primer yang diperoleh melalui penyebaran kuisioner secara online. Pemilihan sampel dilakukan secara purposive sampling dengan jumlah responden sebanyak 122 responden. Analisis data menggunakan Statistical Product and Service Solutions (SPSS). Dari pengujian terdapat 2 hipotesis yang diterima, yaitu religiusitas dan literasi keuangan syariah. Kata Kunci: Literasi Keuangan Syariah, Minat Menggunakan, Religiusitas   Abstract This study aims to test religiosity and Islamic financial literacy on students' interest in using online loans. The results of the discussion show that the influence of religiosity and Islamic financial literacy variables has an effect on students' interest in using online loans. This indicates that religiosity and Islamic financial literacy influence students' interest in using online loans. This study uses a quantitative method with primary data collection obtained through online questionnaire distribution. Sample selection was carried out by purposive sampling with a total of 122 respondents. Data analysis used Statistical Product and Service Solutions (SPSS). From the above test, there are 2 accepted hypotheses, namely religiosity and Islamic financial literacy. Keywords: Sharia Financial Literacy, Interest in Using, Religiosity
Determinants of Islamic Commercial Bank Stability in Indonesia during the 2019–2024: A Fixed Effects Panel Model with Driscoll–Kraay Standard Eror Approach Muhammad Fakhri Dzulfiqar; Fira Nurafini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i10.9597

Abstract

Stability in the banking sector is essential for maintaining financial system resilience, particularly in the context of Islamic finance. This study aims to examine the effects of internal and external factors on the stability of Islamic commercial banks in Indonesia over the 2019–2024 period. Secondary data were obtained from the Financial Services Authority (OJK) and the Central Bureau of Statistics (BPS). The sample comprises ten Islamic commercial banks selected via purposive sampling. The analysis was carried out using panel‐data regression with Driscoll–Kraay standard errors to correct for heteroskedasticity, and serial correlation. Findings indicate that financial performance indicators, BOPO, NPF, NOM, and CAR significantly affect bank stability, whereas the FDR does not significant. Among macroeconomic factors, inflation and HHI exert significant effects, while GDP growth and exchange-rate remain insignificant to Islamic Commercial Banking.
Determinants of Islamic Commercial Bank Stability in Indonesia during the 2019–2024: A Fixed Effects Panel Model with Driscoll–Kraay Standard Eror Approach Muhammad Fakhri Dzulfiqar; Fira Nurafini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i10.9597

Abstract

Stability in the banking sector is essential for maintaining financial system resilience, particularly in the context of Islamic finance. This study aims to examine the effects of internal and external factors on the stability of Islamic commercial banks in Indonesia over the 2019–2024 period. Secondary data were obtained from the Financial Services Authority (OJK) and the Central Bureau of Statistics (BPS). The sample comprises ten Islamic commercial banks selected via purposive sampling. The analysis was carried out using panel‐data regression with Driscoll–Kraay standard errors to correct for heteroskedasticity, and serial correlation. Findings indicate that financial performance indicators, BOPO, NPF, NOM, and CAR significantly affect bank stability, whereas the FDR does not significant. Among macroeconomic factors, inflation and HHI exert significant effects, while GDP growth and exchange-rate remain insignificant to Islamic Commercial Banking.
Determinants of Islamic Banks' Financial Performance in ASEAN Countries Arya Ramadhani; Aufar Fadlul Hady; Fira Nurafini
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19355

Abstract

This study aims to examine the determinants of Islamic banks’ financial performance in selected ASEAN countries, namely Indonesia, Malaysia, Thailand, and Brunei Darussalam. The financial performance of Islamic banks is assessed using ROA, with important explanatory variables including the CAR, NPF, and FDR. This study takes a quantitative approach, using secondary data from Islamic banks' annual financial reports for the period 2020 – 2024. The data are evaluated using panel data regression, and model selection is conducted using the Chow test, Hausman test, and Lagrange multiplier test, which indicate that the Random Effects Model (REM) is the most appropriate estimation approach. The results show that CAR has a positive and significant effect on the financial performance of Islamic banks, whereas NPF and FDR have negative and positive coefficients, respectively, but do not show a significant effect on ROA. These results indicate that capital adequacy mainly drives the financial performance of Islamic banks in ASEAN, whereas credit risk and liquidity levels have little effect on profitability. This could be because of the risk-sharing nature inherent in Islamic banking practices.
Co-Authors Alfado Chievo Javantara Arya Ramadhani Aufar Fadlul Hady Muhammad Fakhri Dzulfiqar