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All Journal Ikonomika : Jurnal Ekonomi dan Bisnis Islam International Journal of Islamic Economics and Finance (IJIEF)
Latif, Sahraman D Hadji
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Economics, Econometrics & Finance

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Safeguarding Stability and Enhancing Profitability: The Case of Islamic Banking in Indonesia Mubarok, Faizul; Wibowo, Martino; Latif, Sahraman D Hadji
International Journal of Islamic Economics and Finance (IJIEF) Vol 7, No 1 (2024): IJIEF Vol 7 (1), January 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijief.v7i1.20537

Abstract

This study examines the impact of crises, non-performing financing variables, exchange rates, inflation, and interest rates on Islamic banks' short-term and long-term profitability in Indonesia. Profitability (ROA) fluctuations are also assessed in consideration of exogenous shocks. This analysis uses the Vector Error Correction Model (VECM) to examine monthly data from 2007 to 2023. The results suggest that non-performing financing (NPF), exchange rates (BIRT), and inflation (IFLS) have a substantial impact on the long term. While the crisis variable exhibits a relatively less substantial influence, interest rates reveal distinct short-term and long-term impacts. The Impulse Response Function data indicate that NPF, KURS, and IFLS have a negligible effect on ROA. NPF primarily influences ROA variation, as determined by the Forecast Error Variance Decomposition; KURS follows suit. Islamic Banks' management must diligently oversee non-performing loans, exchange rates, and inflation and astutely devise interest rate strategies. The factors impacting the profitability of Islamic banks in Indonesia are thoroughly examined in this study.
Safeguarding Stability and Enhancing Profitability: The Case of Islamic Banking in Indonesia Mubarok, Faizul; Wibowo, Martino; Latif, Sahraman D Hadji
International Journal of Islamic Economics and Finance (IJIEF) Vol. 7 No. 1 (2024): IJIEF Vol 7 (1), January 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijief.v7i1.20537

Abstract

This study examines the impact of crises, non-performing financing variables, exchange rates, inflation, and interest rates on Islamic banks' short-term and long-term profitability in Indonesia. Profitability (ROA) fluctuations are also assessed in consideration of exogenous shocks. This analysis uses the Vector Error Correction Model (VECM) to examine monthly data from 2007 to 2023. The results suggest that non-performing financing (NPF), exchange rates (BIRT), and inflation (IFLS) have a substantial impact on the long term. While the crisis variable exhibits a relatively less substantial influence, interest rates reveal distinct short-term and long-term impacts. The Impulse Response Function data indicate that NPF, KURS, and IFLS have a negligible effect on ROA. NPF primarily influences ROA variation, as determined by the Forecast Error Variance Decomposition; KURS follows suit. Islamic Banks' management must diligently oversee non-performing loans, exchange rates, and inflation and astutely devise interest rate strategies. The factors impacting the profitability of Islamic banks in Indonesia are thoroughly examined in this study.
Fiqih Economic in Virtual Currency Implementation Effendi, Kharisya Ayu; Latif, Sahraman D Hadji
IKONOMIKA Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v8i2.17697

Abstract

Digital transactions are becoming very popular in the Islamic economic and financial industry. Therefore, it is very important to understand the provisions of economic fiqh so that Sharia principles are always actual and relevant to business changes and the demands of the times. This study aims to investigate fiqh in economic transactions using blockchain and metaverse technology. More in-depth research uses a case study design using qualitative methods that focus on implementing smart contracts and virtual currency in terms of economic fiqh studies. The findings reveal that the use of smart contracts and virtual currency is found to be able to replace the role of intermediaries in economic transactions. Thus eliminating the risk of fraud and cheating. Smart contracts can help ensure compliance with sharia and the use of virtual currency has an impact on economic fiqh, especially related to the legitimacy and halal use of the virtual currency itself. The expected implication is that to minimize risks and maximize benefits for the benefit of the people, the use of blockchain and metaverse technology in economic transactions requires further research and development efforts, as well as increasing public understanding of this technology from the perspective of economic fiqh.
Co-Authors Effendi, Kharisya Ayu Faizul Mubarok Martino Wibowo