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All Journal Al-Ulum Jurnal Ilmiah Ekonomi Islam Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam Indonesian Journal of Electrical Engineering and Computer Science Ihsan: Jurnal Pengabdian Masyarakat Journal of Islamic economy and Community Engagement MOVE: Journal of Community Service and Engagement Jurnal Ekonomika dan Bisnis Islam Indonesian Journal of Islamic Economics and Finance Journal of Islamic Economics Lariba Cakrawala: Jurnal Pengabdian Masyarakat Global Paradoks : Jurnal Ilmu Ekonomi Socius: Social Sciences Research Journal Neraca Manajemen, Akuntansi, dan Ekonomi International Conference on Islamic Economic Tasharruf : Journal of Islamic Economics and Business BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Nurafini, Fira
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Does Bank Size Matter? A Comparative Study of Risk, Return and Efficiency in Islamic Banking Nurafini, Fira; Andrayuni, Arfiana Meilani
Indonesian Journal of Islamic Economics and Finance Vol. 5 No. 2 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v5i2.9556

Abstract

This study examines whether bank size influences differences in risk, return, and operational efficiency in Islamic commercial banks in Indonesia. Despite the rapid growth of the Islamic banking sector, performance disparities among banks remain evident, raising questions about the role of bank size in shaping financial outcomes. The aims of this study is to analyze the performance of Islamic banks based on their size classifications. This research employs a quantitative comparative approach using panel data from 12 Islamic commercial banks over the period of 2021–2025. Bank size is categorized into four groups based on core capital, while risk, return, and efficiency are measured using Non-Performing Financing (NPF), Return on Assets (ROA), and Cost to Income Ratio (CIR), respectively. The analysis utilizes non-parametric statistical methods, particularly the Kruskal–Wallis test, due to non-normal data distribution. The findings reveal significant differences in risk, return, and operational efficiency across bank size groups. Smaller banks tend to exhibit higher risk, lower profitability, and lower efficiency, while medium-sized banks demonstrate the highest profitability and better efficiency. However, larger bank size does not always guarantee superior performance, indicating the presence of other influencing factors. In conclusion, bank size plays an important but not exclusive role in determining Islamic bank performance, highlighting the need for effective risk management and operational strategies.
Pengaruh Pertumbuhan Ekonomi, Inflasi, BI Rate dan Nilai Tukar Rupiah terhadap Nilai Aktiva Bersih (NAB) Reksadana Syariah di Indonesia Junaidi, Refi Mariska; Nurafini, Fira
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19682

Abstract

The net asset value (NAV) of Islamic mutual funds in Indonesia has fluctuated significantly in recent years and remains lagging behind conventional mutual funds. This situation creates uncertainty for investors and indicates the influence of external factors, particularly macroeconomic variables, on the performance of Islamic mutual funds. The main focus of this research is to identify the influence of macroeconomic indicators, including economic growth, inflation, the BI Rate, and the rupiah exchange rate, on the NAV of Islamic mutual funds in Indonesia. The data used is secondary data with a monthly time series pattern. This secondary data was obtained from official publications released by Bank Indonesia, the Financial Services Authority, the Ministry of Trade of the Republic of Indonesia, and the World Bank. The data period studied covers the period from April 2016 to September 2025. Data analysis uses a Vector Error Correction Model (VECM) approach. The long-term VECM estimation results indicate that economic growth, the BI Rate, and the rupiah exchange rate significantly influence the NAV of Islamic mutual funds. Meanwhile, the inflation variable does not show a significant effect on the NAV of Islamic mutual funds in the long term.
ANALISIS PENGARUH INDIKATOR MAKROEKONOMI DAN MODAL INTELEKTUAL TERHADAP PROFITABILITAS PERBANKAN SYARIAH INDONESIA Nadira, Danish; Nurafini, Fira
Jurnal Ekonomika dan Bisnis Islam Vol 9 No 1 (2026): April in Proses
Publisher : Universitas Negeri Surabaya

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Abstract

During the period from 2010 to 2024, the national Islamic banking industry showed substantial growth in accumulated assets, with a dominant contribution of more than 90% to the total Islamic financial assets in Indonesia. However, this asset expansion has not been accompanied by stable profitability, given the fluctuations in Return on Assets (ROA) triggered by internal and external dynamics. This study aims to investigate the influence of macroeconomic indicators and intellectual capital dimensions, including iB-VACA, iB-VAHU, and iB-STVA on the profitability performance of Islamic banks. By applying panel data regression analysis through the Random Effects Model (REM) approach to a sample of 12 Islamic banking entities (6 sharia commercial bank and 6 sharia business unit), the results of the study reveal that only the human capital component (iB-VAHU) has a significant effect on ROA. This finding confirms that the quality and productivity of human resources are the main determinants in optimizing profitability in the Islamic banking sector in Indonesia.
The Influence of Financial attitude on Sharia Investment Intention among Generation Z in Surabaya: The Mediating Role of Financial literacy Pratama, Erry Arista; Nurafini, Fira
International Conference on Islamic Economic (ICIE) Vol. 5 No. 1 (2026): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v5i1.474

Abstract

This study aims to examine the influence of financial attitude on investment intention in the Islamic capital market among Generasi Z in Surabaya with financial literacy as a mediating variable. The research employs a quantitative approach using primary data collected through an online questionnaire distributed via Google Forms. The respondents consist of 153 Generasi Z individuals residing in Surabaya with diverse demographic backgrounds. The variables analyzed in this study include financial attitude as the independent variable, financial literacy as the mediating variable, and investment intention as the dependent variable. Data analysis was conducted using the Partial Least Squares Structural Equation Modeling (PLS-SEM) technique to test both direct and indirect relationships among variables. The results indicate that financial attitude has a significant positive effect on financial literacy. However, financial attitude does not have a significant direct effect on investment intention in the Islamic capital market. Meanwhile, financial literacy has a significant positive effect on investment intention and also functions as a mediating variable in the relationship between financial attitude and investment intention. These findings highlight the importance of financial literacy in transforming positive financial attitudes into stronger intentions to invest among Generasi Z.
Co-Authors Ach. Yasin Ahmad Ajib Ridlwan Ali, Asiah Binti Amalia, Nur Halizatul Andrayuni, Arfiana Meilani Apriliyana, Yeni Badrul Munir, Maryam Bte Binti Zakaria, Zalina Cilda Thesisa Ilmawan Dzinnur Cindito, Putri Izzah Septiani Clarashinta Canggih Didit Darmawan El-Yunusi, Muhammmad Yusron Eli Masnawati Faiza, Nurlaili Adkhi Rizfa Fitriah Dwi Susilowati Hardiansyah, Indra Setiawan Junaidi, Refi Mariska Khoiriyah, Eva Zunia Khusnul Fikriyah Maulidiyah, Musaidatul Misbachul Munir Munir, Maryam Bte Badrul Nadira, Danish Nanda, Annisa Amalia Eka Ningtyas, Devy Ayu Nurillah, Shinta Lintang Prasetya, Naufal Rizky Pratama, Erry Arista Putri, Diva Carrisa Rachma Indrarini Rahayu Mardikaningsih Rahayu, Rima Ika Tantri Rahmatika, Febrina Retnowati, Eli Ridlwan, Achmad Ajib Rodiyah, Siti Kholidatur Rofiqo, Azidni Rohmaningtyas, Nurwinsyah Safira, Mirza Elmy Sri Abidah Suryaningsih Syarifudin Syarifudin Syuro'ah, Nurul Mubarokatus Taufiq Kurniawan Umi Habibah Yan Putra Timur