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All Journal At-Taradhi: Jurnal Studi Ekonomi International Journal of Islamic Economics (IJIE)
Lutpi Sahal
Universitas Islam Negeri Antasari Banjarmasin
Economics, Econometrics & Finance Education

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Strategi Pengembangan Prodi Asuransi Syariah Fakultas Ekonomi dan Bisnis Islam UIN Antasari Banjarmasin dengan Menggunakan Analisis QSPM (Quantitative Strategic Planning Matrix) Lutpi Sahal; Rimayanti Rimayanti; Elida Mahriani; M. Ferry Hidayat
At-Taradhi Jurnal Studi Ekonomi Vol 14 No 2 (2023): At-Taradhi: Jurnal Studi Ekonomi
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v14i2.9132

Abstract

There are only 3 PTKINs in Indonesia that have opened a Sharia Insurance Undergraduate study program, including UIN Antasari Banjarmasin. Regionally, in Kalimantan, this is the only study program within PTKI. So far, the study program has established cooperation in the form of student apprenticeships, while in the form of professional training is very limited. Therefore, it is necessary to know more about the expectations of external stakeholders for the Sharia Insurance Study Program, especially regarding the competency of alumni needed by the Sharia insurance industry, internal and external factors that need to be considered in the development of the study program, then also how to develop an appropriate study program development strategy with the development of the world of work. This research is quantitative research with a descriptive approach. The data analysis methods are IFE, EFE, IE, SWOT, and QSPM Matrix. The results have shown that the competencies needed by the insurance industry to increase the absorption of alumni in the world of work, among others, for students in the form of soft skills and hard skills, the ability of lecturers to combine theory and practice during the learning process, for study programs to increase the availability of learning facilities and infrastructure both in quantity and quality, cooperate with UPKK UIN Antasari & alumni, and take advantage of cooperation agreements with hospitals & insurance. The strategy for developing the Sharia Insurance Study Program of the Faculty of Economics and Islamic Business using QSPM (Quantitative Strategic Planning Matrix) analysis is in quadrant II, namely market penetration and product development strategies.
Determinants of Islamic Banking Competitiveness in Indonesia, Malaysia, and Brunei Darussalam Nurma Sari; Lutpi Sahal; Zaki Zaini; Asmak Binti Ab Rahman
Jurnal Internasional Ekonomi Islam Vol 8 No 01 (2026): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v8i01.13354

Abstract

Objective: Financial ratios play a crucial role in measuring the performance and competitive position of Islamic banking institutions. Indicators such as profitability, operational efficiency, asset quality, and liquidity reflect the ability of banks to sustain growth and maintain a competitive edge. Accordingly, this study investigates the factors affecting the competitiveness of Islamic banks across Indonesia, Malaysia, and Brunei Darussalam. Method: This competitiveness is measured using Islamic bank assets as the dependent variable, and net profit, ROA, ROE, CAR, and CIR as the independent variables. A quantitative descriptive research approach using panel data regression was used to determine the effect of Islamic bank profitability on competitiveness in peer countries. Data were collected through secondary data from all Islamic banks in peer countries (Indonesia, Malaysia, and Brunei Darussalam) from 2022 to 2025. Result: The results indicate that net profit, ROE, and ROA significantly enhance the competitiveness of Islamic banks, while CIR and CAR show no significant effect. This finding highlights the critical role of profitability-related indicators in driving competitive performance. In contrast, operational efficiency and capital adequacy appear to have a more limited contribution within the observed banking systems. Implication: This study demonstrates that profitability-based measures are more effective drivers of competitiveness than capital adequacy and cost-efficiency indicators. The results offer practical insights for policymakers and banking practitioners seeking to strengthen the resilience and market position of Islamic banks in the region. Originality or Novelty: The novelty of this study lies in its use of Islamic bank assets as a measure of competitiveness and its comparative analysis across three countries with well-developed Islamic banking sectors—Indonesia, Malaysia, and Brunei Darussalam. By applying panel data regression to cross-country banking data, this study extends existing research beyond single-country investigations. It provides new evidence on the determinants of competitiveness in Islamic banking
Co-Authors Asmak Binti Ab Rahman Elida Mahriani M. Ferry Hidayat Nurma Sari Rimayanti Rimayanti Zaki Zaini