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All Journal Jurnal Penelitian Ekonomi dan Bisnis Jurnal Ekonomi Syariah Teori dan Terapan Journal of Economic, Bussines and Accounting (COSTING) Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi Journal of Enterprise and Development (JED) EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) JBMR: Journal of Business and Management Review Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Journal Of Sharia Banking Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Proceeding ISETH (International Summit on Science, Technology, and Humanity) Jurnal Perbankan Syariah Darussalam (JPSDa) INASJIF IIJSE Jurnal Studi Islam dan Sosial JUEBIR: Journal of Economics and Business Research BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Rizky Nur Ayuningtyas Putri
Universitas Islam Negeri Raden Mas Said Surakarta
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences Other

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Analisis Determinan Cadangan Kerugian Penurunan Nilai pada Bank Panin Dubai Syariah Tahun 2015-2022 Endang Lufita; Rizky Nur Ayuningtyas Putri
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 4 No. 1 (2024): Januari 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v4i1.2690

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing To Deposit Ratio (FDR), Nett Perfoming Financing (NPF), Return Of Equity (ROE), and Size on Loan Loss Provision (LLP). This study used descriptive quantitative methods by analyzing regression time series data processed using the Eviews 10 application. In this study there were six variables consisting of one dependent variable and five independent variables. The dependent variable in this study is Loan Loss Provision (LLP) while the independent variables are Capital Adequacy Ratio (CAR), Financing To Deposit Ratio (FDR), Nett Perfoming Financing (NPF), Return Of Equity (ROE), and Size. This study found that the CAR variable partially had a significant positive effect on LLP. The FDR variable partially has a non-significant negative effect on Bank Panin Dubai Sharia's LLP. NPF has a non-significant positive effect on Bank Panin Dubai Syariah's LLP. ROE variables and Size variables partially have a significant negative effect on Bank Panin Dubai Sharia's LLP. The variables CAR, FDR, NPF, ROE, and Size together (simultaneously) have a significant effect on LLP.
The Profitability of Indonesian Sharia Commercial Banks : Macro and Micro Economic’s Effect Tiarawati, Tika Dewi; Putri, Rizky Nur Ayuningtyas
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 9, No 1 (2024): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v9i1.3402

Abstract

Financial performance is one measure of the success of Islamic banks in managing their operations well in order to obtain maximum profitability. This research aims to determine the influence of macroeconomic factors, namely Gross Domestic Product (GDP) and inflation. The influence of microeconomic factors, namely Non Performing Financing (NPF), Capital Adequecy Ratio (CAR), Financing to Deposit Ratio (FDR) on the profitability of Sharia Commercial Banks in 2018-2022. The sampling technique was purposive sampling and nine samples of Sharia Commercial Banks were obtained which were used in this research. Secondary data in this research was obtained from each bank's financial report data, Gross Domestic Product (GDP) data was sourced from the Ministry of Trade website, and inflation data was sourced from the Bank Indonesia website. The data analysis technique is a multiple linear regression analysis technique with data processing using the Eviews 10 application. Based on the partial test, the results show that Gross Domestic Product (GDP) has no effect on ROA, inflation has no effect on ROA, Capital Adequecy Ratio (CAR) has no effect on ROA, and Financing to Deposit Ratio (FDR) has no effect on ROA. Meanwhile, partially Non Performing Financing (NPF) has an effect on ROA. Simultaneously the variables Gross Domestic Product (GDP), inflation, Capital Adequecy Ratio (CAR), Financing to Deposit Ratio (FDR), and Non Performing Financing (NPF) influence ROA.
The Effect of Inflation, Exchange Rate, Implementation of Good Corporate Governance (GCG), and Financing to Deposit Ratio (FDR) on Sharia Commercial Bank Financing Risks in Indonesia 2019-2022 Orsita Asmu Putri; Putri, Rizky Nur Ayuningtyas
Journal of Economics and Business Research (JUEBIR) Vol. 2 No. 2 (2023): December 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/juebir.v2i2.7958

Abstract

The large number of products offered by banks, especially financing,causes greater potential risks that will occur which can be influencedby various factors. Therefore, the aim of this research is to determinethe influence of Inflation, Exchange Rates, Implementation of GoodCorporate Governance (GCG), and Financing to Deposit Ratio (FDR) ininfluencing Financing Risk as proxied by Non-Performing Financing(NPF) in Commercial Banks Sharia in Indonesia 2019-2022. The dataused in the research is secondary data, namely annual financialreports and Good Corporate Governance (GCG) reports for 2019-2022. The population of this research is Islamic commercial banks inIndonesia with a sampling technique, namely purposive sampling. Theregression analysis method used is panel data using Eviews 10. Theresearch results show simultaneously that Inflation, Exchange Rates,Good Corporate Governance (GCG) have a significant effect on Non-Performing Financing (NPF). However, partially it shows that (1)Inflation, Exchange Rates, and Financing to Deposit Ratio (FDR) haveno effect on Non-Performing Financing (NPF), (2) Good CorporateGovernance (GCG) has a significant positive effect on Non-PerformingFinancing (NPF).
The Influence of CAR, FDR, NPF, and Profit Sharing Ratio on BCA Syariah's Financial Performance for the 2016-2022 Periods Dina Christiana; Putri, Rizky Nur Ayuningtyas
Journal of Economics and Business Research (JUEBIR) Vol. 2 No. 2 (2023): December 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/juebir.v2i2.7968

Abstract

The rapid development of the banking world at this time is one of the factors that makes daily financial transactions easier. One way to see how well PT is performing. BCA Syariah Bank is based on its financial reports, as the object to be studied, researchers will analyze BCA Syariah's quarterly financial reports obtained from the official OJK website. Financial performance can be seen from the size of ROA, while the size of ROA itself can be influenced by CAR, FDR, NPF and Profit Sharing Ratio. Therefore, the aim of this research is to determine the partial and simultaneous influence of CAR, FDR, NPF and Profit Sharing ratio on BCA Syariah's ROA for the 2016-2022 period. The samples in the research were all quarterly financial reports for the 2016-2022 period with a total of 28 samples and the sampling technique was purposive sampling. The analytical method used is multiple linear regression analysis with the help of the Eviews 10 program. The research results show that partially (1) CAR has a significant negatif effect on ROA, (2) FDR, NPF and Profit Sharing Ratio do not have a significant effect on ROA. Meanwhile, CAR, FDR, NPF and Profit Sharing Ratio simultaneously influence BCA Syariah's ROA for the 2016-2022 period.
PEMBIAYAAN BERMASALAH PADA BANK SYARIAH: PROFITABILITAS DAN LIKUIDITAS FAKTOR DI INDONESIA Pasya, Andhira Juanita; Putri, Rizky Nur Ayuningtyas
Journal Of Sharia Banking Vol 5, No 1 (2024): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v5i1.10052

Abstract

ABSTRAKPerbankan Syariah di Indonesia terus berkembang pesat seiring berjalannya waktu. Pertumbuhan tersebut tidak terlepas dari permasalahan pembiayaan. Oleh karena itu, bank harus menjaga kesehatan bank itu sendiri. Penelitian ini bertujuan untuk menguji pengaruh Return On Asset (ROA), Return On Equity (ROE), dan Financing To Deposit Ratio (FDR) terhadap pembiayaan masalah Non Performing Financing (NPF). Populasi dari penelitian ini adalah 10 bank syariah yang terdaftar di BUS. Jenis penelitian yang digunakan dalam penelitian ini yaitu jenis penelitian kuantitatif, menggunakan data sekunder. Bersumber dari situs web resmi masing-masing bank, periode tahun 2020 - 2022 menggunakan laporan keuangan triwulan. Teknik analisis yang digunakan adalah regresi linier berganda. Hasil dari penelitian ini yaitu Return On Assets (ROA) tidak berpengaruh terhadap NPF Bank Umum Syariah di Indonesia. (2) ROE berpengaruh negatif terhadap NPF Bank Umum Syariah di Indonesia. Hasil ini menunjukkan maka semakin tinggi keuntungan yang dimiliki bank maka menyebabkan permasalahan perbankan menurun begitu pula sebaliknya. (3) FDR berpengaruh terhadap NPF Bank Umum Syariah di Indonesia. Saran untuk meneliti lebih lanjut untuk menambah faktor makroekonomi dalam variabel independen untuk permasalahan pembiayaan tingkat suku bunga, kurs, dan inflasi.Kata Kunci: NPF, ROA, ROE, FDR
Pengaruh Manfaat dari Kualitas Fitur E-Wallet Terhadap Gaya Hidup Mahasiswa Muslim Solo Raya Pramesti, Lanjar Dian; Ayuningtyas Putri, Rizky Nur
Lisyabab : Jurnal Studi Islam dan Sosial Vol 4 No 2 (2023): Lisyabab, Jurnal Studi Islam dan Sosial
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Sekolah Tinggi Agama Islam Mulia Astuti (STAIMAS) Wonogiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58326/jurnallisyabab.v4i2.209

Abstract

In the development of the current digital era, many transactions are carried out digitally or called an electronic wallet, a digital wallet that facilitates the payment process. The purpose of this study was to determine the effect of the benefits of e-wallet quality on student lifestyles. In this study using quantitative methods with respondent sampling techniques using purposive sampling, namely a sample technique with regard to certain criteria. Respondent data collection was carried out by distributing questionnaires via google form. The number of samples used in this study were 107 respondents. Tests were carried out using SPSS by testing validity, reliability, normality, simultaneous test (F test), partial test (T test), and multiple linear regression to determine the hypothesis of each variable. The test results show that the quality of reliability and empathy influences the utilization of e-wallet features for collage student lifestyles.
Analysis of Factors That Influence the Attractiveness of Muslim Students Using Online Loan Applications in Soloraya Azhari, Nonik Rindi; Putri, Rizky Nur Ayuningtyas
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.4780

Abstract

Today's technological advancements in the financial sector have given rise to several new ideas; among them, online loans are fintech-based. Online lending is a public financial solution that facilitates the provision of cheap, transparent, and efficient financial services. The purpose of this study is to examine the many elements that have an impact on the willingness of Muslim students in Soloraya who use online loan applications. The research method used is the quantitative method. Primary data was used in this study. The questionnaire was given to 96 respondents who were selected using purposive sampling using Lemeshow's algorithm. With data analysis using SPSS V.26 statistical assistance. The results of this study indicate that the variables of security, hedonic motivation, and loan disbursement speed have a significant effect, while the ease of use variable has no significant effect on the attractiveness of Muslim students in using online loan applications in Soloraya. Therefore, to decide to use online loan application services, fundamental factors are needed. However, ease of use is not fully a fundamental factor in attracting Muslim students to use online loan application services in Soloraya.
Strengthening the Halal Industry Ecosystem through Halal Certification, Product Literacy, Awareness, and Promotion: Moderating Role of Islamic Financing Putri, Rizky Nur Ayuningtyas; Auliya, Zakky Fahma; Margarena, Agung Novianto; Asengbaramae, Rowiyah
Journal of Enterprise and Development (JED) Vol. 8 No. 2 (2026)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v8i2.15327

Abstract

Purpose: This study examines the influence of halal certification, halal product literacy, halal awareness, and promotional efforts on the development of the halal industry ecosystem, with Islamic financing as a moderating variable. It adopts Ecosystem Innovation Theory to explain collaboration among government, producers, and Islamic financial institutions.Method: This explanatory quantitative study involved 400 halal-certified MSME actors in the Soloraya region, selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed with SEM-PLS to examine direct and moderating effects.Result: The findings indicate that halal certification, halal product literacy, and promotional efforts have positive and significant effects on the halal industry ecosystem. Halal awareness does not show a significant direct effect. Islamic financing significantly moderates the relationship between halal awareness and the halal industry ecosystem, but it does not moderate the relationships involving halal certification, halal product literacy, or promotional efforts.Practical Implications for Economic Growth and Development: The study emphasizes the need for integrated collaboration among MSMEs, government, and Islamic financial institutions. MSMEs should strengthen certification compliance, halal education, and digital promotion. The government should provide regulatory support, certification subsidies, and halal literacy infrastructure. Islamic financial institutions should design financing products that align with halal-certified MSME needs.Originality/Value: This study extends Ecosystem Innovation Theory in halal industry research by positioning Islamic financing as a moderator. It offers a new perspective on how Islamic financing strengthens the link between halal awareness and halal ecosystem development.
Co-Authors Amelia Choya Tia Rosalia Asengbaramae, Rowiyah Azhari, Nonik Rindi Christiana, Dina Clarisa Khotimatul Fitriyah Dina Christiana Dwi Prasetyani Endang Lufita Margarena, Agung Novianto Munir, Sinthia Miftakul Orsita Asmu Putri Pasya, Andhira Juanita Pramesti, Lanjar Dian Putri, Orsita Asmu Qulub, Ana Fidatul Sari, Tyas Kartika Tiarawati, Tika Dewi Tomy Nurfajar Zakky Fahma Auliya Zanuba Ainindya El Fanani