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All Journal Jurnal Ekonomi Islam Jurnal Dinamika Ekonomi Syariah AL-ARBAH: Journal of Islamic Finance and Banking Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Journal of Management, Economic and Accounting (JMEA) Jurnal Perbankan Syariah Darussalam (JPSDa) Jurnal Ekonomi Islam
Maknuun, Lu’lu’il
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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The Influence Of Macroeconomics And Financial Risks On Islamic Corporate Social Responsibility Diclosure Through Earnings At Sharia Commercial Banks In Indonesia Maknuun, Lu’lu’il
AL-ARBAH: Journal of Islamic Finance and Banking Vol 5, No 2 (2023)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2023.5.2.18068

Abstract

Purpose - This study aims to analyze the effect of Macroeconomics and Financial Risk on Islamic Corporate Social Responsibility Disclosure (ICSRD) through Earning in Islamic Commercial Banks in Indonesia.Method - This study uses a quantitative method using secondary data in the form of financial risk data, earnings and ICSRD from annual financial reports at Islamic Commercial Banks and published macroeconomic data at the Central Bureau of Statistics from 2017 -2021. The analytical method used is SEM analysis using the SmartPLS 2.0 analysis tool.Result - The results showed that macroeconomics had a significant effect on ICSRD but did not have a significant effect on earnings. Financial risk has a significant effect on ICSRD but does not have a significant effect on earnings. Earning has no significant effect on ICSRD. Earning is not able to mediate Macroeconomics on ICSRD but is able to mediate financial risks on Islamic Corporate Social Responsibility Disclosure (ICSRD) at Islamic Commercial Banks.Implication - This research utilizes data from Islamic commercial banks in Indonesia and the Central Statistics Agency for the years 2017-2021.Originality - This research discusses the profits obtained by companies used for the disclosure of social responsibility of Islamic commercial banks in Indonesia to society, taking into account internal and external factors of the company, namely macroeconomics and financial risk.
ANALISIS KOMPARATIF PENGARUH PRA DAN PASCA MERGER TERHADAP PROFITABILITAS PADA BANK SYARIAH INDONESIA Maknuun, Lu’lu’il; Muhlisuddin; Lestari, Yupita Sri
Jurnal Dinamika Ekonomi Syariah Vol 11 No 2 (2024): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Institut Agama Islam Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v11i2.1100

Abstract

Penelitian ini bertujuan untuk mengevaluasi dampak marger terhadap profitabilitas Bank Syariah Indonesia (BSI) selama periode 2020-2021. Data keuangan yang dianalisis diperoleh dari Otoritas Jasa Keuangan (OJK) selama periode 2020-2021. Penelitian ini menggunakan indikator merger seperti rasio CAR, NPF, FDR dan BOPO serta indikator profitabilitas seperti ROA, ROE, NPM dan OPM. Sample diambil menggunakan metode probability sampling dan data dianalisis dengan uji regresi linier sederhana serta uji One Way Anova. Hasil penelitian menunjukkan bahwa kinerja sebelum merger memiliki pengaruh signifikan terhadap profitabilitas dengan nilai signifikasi untuk masing-masing bank yaitu 0,000 < 0,05 dan nilai Thitung 3,062 > T tabel 2,145 untuk bank BRIS, nilai sig. 0,000 < 0,05 dengan nilai Thitung 5,459 > T tabel 2,145 untuk bank BNIS, dan dengan nilai sig. 0,000 <0,05 dengan nilai Thitung 5,431 > T tabel 2,145 Untuk bank BSM. Selain itu, terdapat pengaruh signifikan dari perubahan setelah merger terhadap profitabilitas dengan nilai signifikansi sebesar 0,008 < 0,05 dengan nilai Thitung 3,062 > Ttabel 2,145. Juga ditemukan perbedaan yang signifikan antara profit sebelum dan sesudah merger dengan nilai signifikansi sebesar 0,10 < 0,05.
Pengaruh Mobile Banking Service dan Customer Perceived Value Melalui Customer Satisfaction Terhadap Customer Loyality: (Bank Syariah Mandiri Kantor Cabang Pembantu Krian) Novy, Djowan Naly; Maknuun, Lu’lu’il; Aftian, Rahman Yusri
Islamic Education Journal Volume 2 Issue 4 November 2023
Publisher : CV. Pusdikra Mitra Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/jmea.v2i4.1825

Abstract

Tujuan dari adanya penelitian ini yaitu untuk mengetahui pengaruh mobile banking dan nilai pelanggan melalui kepuasan nasabah terhadap loyalitas nasabah. Pendekatan yang yaitu pendekatan kuantitatif yang menggunakan data primer. Populasi dalam penelitian ini adalah nasabah Bank Syariah Mandiri KCP Krian yang menggunakan mobile banking. Sampel penelitian diambil dengan menggunakan metode Nonpropability Sampling. Analisis data dalam penelitian ini menggunakan menggunakan tools Smart PLS 3. Hasil penelitian menunjukkan bahwa terdapat pengaruh positif signifikan mobile banking service terhadap kepuasan nasabah. Terdapat pengaruh positif signifikan nilai pelanggan terhadap kepuasan nasabah. Terdapat pengaruh positif signifikan kepuasan nasabah terhadap loyalitas nasabah. Tidak terdapat pengaruh positif signifikan mobile banking service terhadap loyalitas nasabah, namun terdapat hubungan tidak langsung mobile banking service terhadap loyalitas melalui kepuasan nasabah. Terdapat pengaruh positif signifikan nilai pelanggan terhadap loyalitas nasabah, serta terdapat hubungan tidak langsung mobile banking service terhadap loyalitas melalui kepuasan nasabah.
The Application of Multi-Contract In Griya Hijrah Products Based On DSN-MUI Fatwa No. 31/DSN-MUI/VI/2002 AT BSI KCP Diponegoro 2 Surabaya Arista, Anis; Maknuun, Lu’lu’il
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 1 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i1.1219

Abstract

This study ains to determine the implementation of multi-contract and the relevance of Fatwa DSN-MUI No.31/DSN-MUI/VI/2002 on the implementation of the multi-contract on griya hijrah products at BSI KCP Diponegoro 2 Surabaya. The type of research used is field research with a qualitative approach. The results of this study are: 1) The implementation of the qardh wal murabahah contract begins with the customer applying for financing to BSI KCP Diponegoro 2 Surabaya. Then BSI provides qardh funds in accordance with the remaining obligations and the customer pays off the debt at the previous bank. After paying off, the customer sells the asset to BSI and BSI sells it back in murabahah to the customer along with a margin and the customer can install the financing. 2) The implementation of the qardh wal murabahah contract on the griya hijrah product at BSI KCP Diponegoro 2 is relevant to Fatwa DSN-MUI No.31/DSN- MUI/VI/2002 using the first alternative.
THE ROLE OF TRANSGENDER IN ECONOMY DEVELOPMENT IN MOJOKERTO: A DESCRIPTIVE RESEARCH Budianto, Lestari; Maknuun, Lu’lu’il; Wahyuni, Firdita; Efendi, Mansur; Ramadhani, Nurcipah; Anisa Nur Faujiah, Siti
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 1 (2025): Januari 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i1.3661

Abstract

This descriptive research explores the economic roles and challenges of transgender individuals in Mojokerto, Indonesia, focusing on their experiences of discrimination, economic survival strategies, and community support. Employing a qualitative approach, semi-structured interviews, focus group discussions, and participant observations were conducted with 30 transgender individuals. Findings reveal pervasive discrimination in employment, education, and healthcare, leading many to pursue informal sector work. Despite barriers, transgender individuals demonstrate resilience through entrepreneurship and community networks, contributing to local economic activities. Cultural and religious contexts influence their experiences, sometimes providing unexpected support. Limitations include sample size and potential biases in self-reported data. Recommendations include policy reforms for anti-discrimination laws, inclusive education, healthcare access, and community-based economic initiatives. This study contributes nuanced insights into transgender economic experiences in Mojokerto, advocating for inclusive policies and future research to enhance understanding and support for transgender communities globally.
COMPARATIVE ANALYSIS OF FINANSIAL PERFORMANCE IN ISLAMIC BANKS: A CASE STUDY OF INDONESIA AND MALAYSIA USING SHARIA CONFORMITY AND PROFITABILITY (2018 – 2024) Kusmanningrum, Yunita; Maknuun, Lu’lu’il; Masuwd, Mowafg Abrahem
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.15990

Abstract

Research aims: This study aims to compare the financial performance of Islamic commercial banks in Indonesia and Malaysia using the Sharia Conformity and Profitability (SCnP) framework, focusing on their alignment with sharia principles and profitability levels. Design/Methodology/Approach: A quantitative descriptive method was used, with secondary data obtained from Islamic bank financial reports and official sources such as OJK, IFSB, and PSIFIs. The SCnP model served as the primary analytical tool, and all Islamic commercial banks in both countries were included using saturated sampling. Research findings: Islamic banks in Indonesia showed fluctuating yet improving financial performance, particularly in profitability, reaching optimal position in 2024. However, challenges remain in maintaining consistent sharia compliance. Malaysian Islamic banks, meanwhile, consistently occupied the upper-left quadrant (ULQ), indicating strong profitability but limited use of profit-sharing instruments. Theoretical Contribution/Originality: This study contributes to the literature by applying the SCnP model in a cross-country comparison, highlighting the influence of regulatory systems and governance on Islamic banking performance. Practitioners/Policy Implications: Findings suggest that Indonesian banks should improve governance and investment screening, while Malaysian banks may benefit from enhancing the adoption of profit-sharing contracts to align more closely with Islamic ethical objectives. Research Limitations/Implications:The study is limited to quantitative data and excludes qualitative aspects such as governance and customer perception. Future research is encouraged to integrate these dimensions for a more comprehensive evaluation.
COMPARATIVE ANALYSIS OF FINANSIAL PERFORMANCE IN ISLAMIC BANKS: A CASE STUDY OF INDONESIA AND MALAYSIA USING SHARIA CONFORMITY AND PROFITABILITY (2018 – 2024) Kusmanningrum, Yunita; Maknuun, Lu’lu’il; Masuwd, Mowafg Abrahem
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.15990

Abstract

Research aims: This study aims to compare the financial performance of Islamic commercial banks in Indonesia and Malaysia using the Sharia Conformity and Profitability (SCnP) framework, focusing on their alignment with sharia principles and profitability levels. Design/Methodology/Approach: A quantitative descriptive method was used, with secondary data obtained from Islamic bank financial reports and official sources such as OJK, IFSB, and PSIFIs. The SCnP model served as the primary analytical tool, and all Islamic commercial banks in both countries were included using saturated sampling. Research findings: Islamic banks in Indonesia showed fluctuating yet improving financial performance, particularly in profitability, reaching optimal position in 2024. However, challenges remain in maintaining consistent sharia compliance. Malaysian Islamic banks, meanwhile, consistently occupied the upper-left quadrant (ULQ), indicating strong profitability but limited use of profit-sharing instruments. Theoretical Contribution/Originality: This study contributes to the literature by applying the SCnP model in a cross-country comparison, highlighting the influence of regulatory systems and governance on Islamic banking performance. Practitioners/Policy Implications: Findings suggest that Indonesian banks should improve governance and investment screening, while Malaysian banks may benefit from enhancing the adoption of profit-sharing contracts to align more closely with Islamic ethical objectives. Research Limitations/Implications:The study is limited to quantitative data and excludes qualitative aspects such as governance and customer perception. Future research is encouraged to integrate these dimensions for a more comprehensive evaluation.
Co-Authors Aftian, Rahman Yusri Anisa Nur Faujiah, Siti Arista, Anis Budianto, Lestari Kusmanningrum, Yunita Lestari, Yupita Sri Mansur Efendi Masuwd, Mowafg Abrahem Muhlisuddin Novy, Djowan Naly Ramadhani, Nurcipah Wahyuni, Firdita