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All Journal Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ilmiah Ekonomi dan Manajemen
Adinda Umul Fadzila
UIN K.H. Abdurrahman Wahid Pekalongan
Economics, Econometrics & Finance Other

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Peran Dewan Pengawas Syariah dalam Meningkatkan Kepercayaan Publik terhadap Lembaga Keuangan Syariah Adinda Umul Fadzila; Anton Bagus Santoso; Muhammad Miftakhu Surur; Reniy Widiastuti; Laily Nurul Hidayah; Muhammad Taufiq Abadi
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 4 (2023): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i4.345

Abstract

The Sharia Supervisory Board (DPS) is a board formed to oversee the running of the company so that it can run in accordance with sharia principles. Supervision of the company is in line with the rampant moral hazard in the form of fraud, cheating and money lending that is carried out so that it results in a loss of public trust in several financial institutions in Indonesia. Therefore, the role of DPS is needed as the foundation of sharia financial institutions to keep the company in accordance with sharia so that public trust can ultimately be fulfilled. The method used in this research is qualitative with a description-analytical approach and the type of research is library research, namely research whose object of study uses library data in the form of books as a source of data. Public trust is an important factor in the development of financial institutions in Indonesia. In its development, DPS has not been able to optimize its role as a supervisor of LKS operations or as a driver of economic development in accordance with sharia principles. This is due to the challenges that must be faced, namely the limitations of competent scholars and the lack of optimization of supervision. To face this challenge, efforts are needed to optimize the role of DPS as follows: First, socialization and training should be held both among financial institutions and to the public. Second, DPS can determine and determine members who will become candidates for the Sharia Supervisory Board to carry out their duties as DPS and not underestimate their position.
DETERMINING BPKH FINANCIAL PERFORMANCE: A FINANCIAL RATIO AND VALUE FOR MONEY APPROACH Ria Anisatus Sholihah; Jilma Dewi Ayu Ningtyas; Adinda Umul Fadzila
JURNAL PROFIT Vol 10, No 1 (2026): Economic And Investment
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v10i1.14069

Abstract

This study examines the financial performance of the Indonesian Hajj Financial Management Agency (BPKH) from 2018 to 2023. The objective is to analyze BPKH's financial health and accountability through key performance indicators. The research employs a descriptive quantitative method, utilizing secondary data from BPKH’s official annual financial reports. Financial ratios analyzed include liquidity, solvency (Debt to Asset Ratio), investment (Investment to Fund Ratio and Return on Investment), and efficiency (Cost to Income Ratio). The results indicate that BPKH has successfully optimized hajj funds, evidenced by a significant increase in the Investment to Fund Ratio (RID) from 41.46% to 75.03%. While the Return on Investment (ROI) remains positive, the study identifies critical challenges, including a consistent decline in the Mandatory Liquidity ratio and a rising Cost-to-Income Ratio (CIR), which reached 3.32% in 2023. Furthermore, the Debt-to-Asset Ratio (DAR) remains above 100%, indicating that liabilities exceed assets. In conclusion, while overall performance is positive, BPKH must evaluate its asset-liability structure to ensure liquidity and implement stricter operational cost controls to maintain long-term sustainability and maintain the trust of pilgrims.
Co-Authors Anton Bagus Santoso Jilma Dewi Ayu Ningtyas Laily Nurul Hidayah Muhammad Miftakhu Surur Muhammad Taufiq Abadi Reniy Widiastuti Ria Anisatus Sholihah