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The Influence of Islamicity Performance Index and Non Performing Financing on Return on Asset of Indonesian Sharia Commercial Bank Seppi Mustion; Ahmad Wira; Aidil Novia
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 4 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i4.21244

Abstract

This research aims to analyze the ability of the Islamicity Performance Index to mediate NPF on profitability in Islamic banks in Indonesia for the 2017-2021 period. This research uses a type of research using a quantitative approach. The population of this research is all sharia commercial banks in Indonesia with a sample size of 9 banks. Sampling was carried out using a purposive sampling method. Data collection uses secondary data, namely documentation techniques by taking the annual reports of each Islamic commercial bank in Indonesia. The data analysis technique uses multiple linear regression analysis. The results of this research show that non-performing financing has a negative influence on ROA and the profit sharing ratio has a positive influence on Return on Assets and the Islamic Income Ratio has a positive influence on Return on Assets and the Islamic Investment Ratio has a positive influence on Return on Assets. Furthermore. Keywords: Islamicity Performance Index, NPF, ROA Penelitian ini bertujuan untuk menganalisis Kesanggupan Islamicity Performance Index memediasi NPF Terhadap ROA pada bank syariah di Indonesia periode 2017-2021. Penelitian ini menggunakan jenis penelitian memakai pendekatan kuantitatif. Populasi penelitian ini adalah semua bank umum syariah di Indonesia dengan jumlah sampel sebanyak 9 bank. Penarikan sampel dilakukan dengan metode purposive sampling. Pengumpulan data menggunakan data sekunder yaitu dengan teknik dokumentasi dengan mengambil pada annual report masing-masing bank umum syariah di Indonesia. Teknik analisis data menggunakan analisis regresi linier berganda. Hasil dari penelitian ini menunjukkan bahwa non performing financing terhadap ROA Berpengaruh negatif dan profit sharing ratio Berpengaruh Positif Terhadap Return On Asset dan Islamic Income Ratio Berpengaruh Positif Terhadap Return On Asset serta Islamic Investment Ratio Berpengaruh Positif Terhadap Return On Asset selanjutnya Kata Kunci :Islamicity Performance Index, NPF , ROA
Digital Readiness of Zakat Management Organization in West Sumatera Gusti Dirga Alfakhri Putra; Ahmad Wira; Aidil Novia
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 15, No 2 (2023)
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v15i2.35504

Abstract

Abstract. This study evaluates the digital readiness of private and community-owned zakat management organizations in West Sumatra. The research uses the digital readiness index developed by the National Amil Zakat Agency and the Department of Sharia Economics of Bank Indonesia. A quantitative approach and a multi-stage weighted index calculation method are utilized. The sample consists of eight private zakat management organizations in West Sumatra with operational permits from the Regional Office of the Ministry of Religious Affairs. The results indicate that the overall digital readiness of zakat management organizations in West Sumatra is very good. The collection dimension shows a high level of digitalization readiness, while the distribution, utilization, and reporting dimensions also received a very good rating. Six of the eight institutions fall into the very good category when evaluated individually, while the remaining two are classified as good. With these results, zakat management can be optimized in various aspects. Abstrak. Penelitian ini mengkaji kesiapan digital organisasi pengelola zakat swasta di Sumatera Barat, dengan menggunakan indeks kesiapan digital yang dikembangkan oleh Badan Amil Zakat Nasional dan Departemen Ekonomi Syariah Bank Indonesia. Pendekatan kuantitatif digunakan bersama dengan multi-stage weighted index calculation. Sampel terdiri dari delapan organisasi pengelola zakat swasta di Sumatera Barat yang memiliki izin operasional dariKantor Wilayah Kementerian Agama. Hasil penelitian menunjukkan bahwa secara keseluruhan kesiapan digital organisasi pengelola zakat di Sumatera Barat sangat baik. Dimensi pengumpulan menunjukkan tingkat kesiapan digitalisasiyang tinggi. Sementara dimensi pendistribusian, pendayagunaan, dan pelaporan juga berada pada level sangat baik. Enam dari delapan lembaga masuk dalam kategori sangat baik jika dievaluasi secara individual, sedangkan dua sisanyatergolong baik. Dengan hasil tersebut, pengelolaan zakat dapat dioptimalkan pada berbagai aspek.
Peran Negara dan Pasar dalam Filsafat Ekonomi Islam: Tinjauan Ontologi, Epistemologi, dan Aksiologi Fajria Silviana; Aidil Novia
JURNAL YAQZHAN: Analisis Filsafat, Agama dan Kemanusiaan Vol 11, No 2 (2025)
Publisher : IAIN SYEKH NUR JATI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jy.v11i2.23566

Abstract

ABSTRAK: Artikel ini bertujuan untuk mengkaji relasi antara negara dan pasar dalam kerangka filsafat ekonomi Islam melalui pendekatan ontologis, epistemologis, dan aksiologis guna memahami peran keduanya dalam mewujudkan keadilan serta kesejahteraan ekonomi. Subjek kajian meliputi konsep negara, mekanisme pasar, dan kebijakan ekonomi dalam perspektif ekonomi Islam sebagaimana dibahas dalam khazanah pemikiran para ulama klasik dan cendekiawan kontemporer. Penelitian ini menggunakan metode penelitian kepustakaan (library research) dengan sumber data yang berasal dari artikel jurnal terakreditasi dan buku-buku akademik yang relevan, yang dianalisis secara kualitatif-deskriptif. Hasil kajian menunjukkan bahwa ekonomi Islam tidak memposisikan negara dan pasar sebagai entitas yang saling menegasikan, melainkan sebagai institusi yang saling melengkapi dalam satu sistem yang berorientasi pada kemaslahatan. Negara dipandang memiliki peran penting sebagai pengatur dan pengawas untuk mencegah distorsi pasar, menjaga keadilan distribusi, serta melindungi kepentingan publik, sementara pasar berfungsi sebagai sarana alokasi sumber daya yang efisien selama dijalankan secara bebas, adil, dan sesuai dengan prinsip etika syariah. Secara epistemologis, kebijakan ekonomi Islam bersumber pada wahyu yang dipadukan dengan rasionalitas dan pertimbangan empiris berbasis kemaslahatan. Berdasarkan temuan tersebut, artikel ini merekomendasikan penguatan peran negara sebagai regulator yang adil dan proporsional, sekaligus mendorong terciptanya mekanisme pasar yang sehat dan bertanggung jawab guna mewujudkan kesejahteraan sosial yang berkelanjutan.ABSTRACT: This article aims to examine the relationship between the state and the market within the framework of Islamic economic philosophy through ontological, epistemological, and axiological approaches to understand their roles in realizing economic justice and prosperity. The research subjects include the concepts of the state, market mechanisms, and economic policy from an Islamic economic perspective as discussed in the thoughts of classical and contemporary scholars. This study uses a library research method with data sources derived from accredited journal articles and relevant academic books, which are analyzed qualitatively and descriptively. The results show that Islamic economics does not position the state and the market as opposing entities, but rather as complementary institutions in a system oriented towards the welfare of the people. The state is seen as having an important role as a regulator and supervisor to prevent market distortions, maintain distributive justice, and protect the public interest, while the market functions as a means of efficient resource allocation as long as it is run freely, fairly, and in accordance with the principles of Islamic ethics. Epistemologically, Islamic economic policy is based on revelation combined with rationality and empirical considerations based on the welfare of the people. Based on these findings, this article recommends strengthening the role of the state as a fair and proportional regulator, while simultaneously encouraging the creation of healthy and responsible market mechanisms to achieve sustainable social welfare.