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All Journal I-Finance Journal Diponegoro Journal of Islamic Economics and Business
Hananiyah, Wardah Mujadidah
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Economics, Econometrics & Finance

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THE EFFECT OF FINANCIAL RATIO ON FINANCIAL DISTRESS IN INDONESIA SHARIA COMMERCIAL BANKS Hananiyah, Wardah Mujadidah; Jaya, Tiara Juliana
I-Finance Journal Vol 9 No 2 (2023): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v9i2.19180

Abstract

An early warning system can be implemented to anticipate the presence of financial distress, which will threaten financial problems. Altman Z-score is a tool for predicting a company's bankruptcy level by calculating several financial ratios. This study aimed to see whether finances can affect financial distress in Indonesian Islamic Banks. This study used Eviews software version 10 with panel data analysis techniques. The research object is the Indonesian Sharia Commercial Bank, which published semiannual financial reports from 2017-2022. Based on information on the official OJK website, there are 12 Islamic Commercial Banks, but only 9(nine) banks meet the sample criteria in this study. The results of the study show that ROA and CR have a significant positive effect on financial distress. Meanwhile, ROE and DER have a significant negative effect on financial distress. Unlike the case with NPF, which has no significant effect on financial distress.
INTEGRASI EFISIENSI, KEADILAN DAN KEBERKAHAN DALAM ALOKASI PENDAPATAN PERSPEKTIF MAQASID AL-SYARI’AH Hananiyah, Wardah Mujadidah; Mahyudin, Mahyudin; Afrianty, Nonie
Diponegoro Journal of Islamic Economics and Business Vol 5, No 2 (2025): Desember
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.30254

Abstract

Integration of efficiency, justice, and blessing in income allocation based on the perspective of Maqasid al-Syari'ah. In Islamic economics, income allocation is not solely oriented towards increasing material profits, but must also be based on just spiritual and social values. This study uses a qualitative approach with a descriptive-analytical research type. The descriptive-analytical approach is used to systematically describe the concepts of efficiency, justice, and blessing, and analyze their relationship with the main objectives of sharia (maqasid al-shari'ah). The results of the analysis show that Maqasid Al-Syari'ah, especially the preservation of religion (hifz al-din), life (hifz al-nafs), intellect (hifz al-'aql), descendants (hifz al-nasl), and property (hifz al-mal), provides ethical principles that bind the concepts of efficiency and justice. In this perspective, efficiency is not only measured by maximizing output or material profit, but also by its contribution to achieving comprehensive welfare (falah). Meanwhile, justice ('adl) is realized through allocation that ensures the fulfillment of basic needs for all parties and minimizes inequality. This integration is achieved through the concept of blessing, which serves as an indicator of the spiritual and material success of income allocation. Blessings emphasize the moral and social dimensions in the use of wealth, encouraging practices such as zakat, almsgiving, and social investment that are oriented towards long-term benefits (maslahah).
Co-Authors Afrianty, Nonie Mahyudin Mahyudin Tiara Juliana Jaya