Article Per Year (5 Year)
p-Index From 2020 - 2025
0.817
P-Index
This Author published in this journals
All Journal Jurnal Ekonomi dan Perbankan Syariah Perbanas Journal of Islamic Economics and Business Primagraha Law Review International Journal of Islamic Economics (IJIE)
Rizqa, Agitsna Alya
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

Published : 4 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 4 Documents
Search

 1 
Credit Risk Determinants: Specific and Macroeconomic Factors of Islamic Banks Rizqa, Agitsna Alya; Haryono, Slamet
Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2023): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v11i2.430

Abstract

The development of Islamic banking credit risk shows a downward trend. However, the existence of Indonesian Islamic banking in the world is not yet among the best ranked, even though it has the largest Muslim population. This study examines the factors that influence credit risk in Islamic banks in Indonesia by using the bank's specific characteristics and macroeconomic factors. This study uses a multiple linear regression method with monthly data on Islamic banking in Indonesia for the period 2020-2022. The dependent variable for credit risk uses Non-performing financing (NPF). Independent variables from bank-specific factors are used Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operating Expenses to Operating Income (BOPO). While the independent variables from macroeconomic factors use inflation and interest rates. The results showed that the CAR, FDR, and inflation variables affected the credit risk of Islamic banks. FDR has a positive effect, while CAR and inflation have a negative effect. BOPO and interest rates do not affect credit risk.
Producer and Consumer Behavior towards the Consumption of Halal Food and Beverages Rizqa, Agitsna Alya; Afandi, Mukhamad Yazid
Jurnal Internasional Ekonomi Islam Vol 6 No 02 (2024): 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.v6i2.9545

Abstract

Introduction: Indonesia, as a country with a majority Muslim population, shows its concern for religion by consuming halal food and beverage products. Balanced consumption in Islam is implemented by avoiding tabzir and israf behavior. Objective: The method used is literature with qualitative data to describe community behavior from the producer and consumer sides when considering daily halal food and beverages. Method: The research approach used is a comparative qualitative approach. The research data was obtained from risk management reports contained in the annual reports of Bank Victoria Syariah and Bank Syariah Indonesia in 2023. Result: The result of this study is that consumers still think that halal food and beverages are only based on whether the product contains pork and dog meat and their derivatives or not. The obstacles from related agencies are moving institutions and processes that are still confusing and centralized, so there is a lack of human resources. Producer constraints are related to high costs, business management unpreparedness, and lack of socialization and awareness to register their products. Business actors' fraud against the halal label cannot be handled seriously with the policy of the halal product guarantee agency. Implication: This study increases awareness and adherence to halal standards among the public, including producers, consumers, and related institutions.
Dari Eropa ke Nusantara: Filsafat Hukum bagi Modernisasi Hukum Islam Kurniasih, Uun; Rizqa, Agitsna Alya; Khalimy , Akmad
Primagraha Law Review Vol. 3 No. 2 (2025): September
Publisher : Fakultas Hukum Universitas Primagraha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59605/8s0z3012

Abstract

The development of legal science has led scholars’ thoughts to form schools of legal theory, categorized according to their patterns of thought. The schools of thought of Sociological Jurisprudence and Sociology of Law seek to understand and explain the relationship between law and society. The study of Islamic law modernization discusses how Islamic law around the world evolves into a modern legal system capable of responding to contemporary challenges. This research aims to examine both schools of thought and analyze their implementation in the modernization of Islamic law in Indonesia. A qualitative method was used in this study with a library research approach. This study finds that the modernization of Islamic law in Indonesia is not merely a process of codification or textual reform but rather a complex social transformation. The school of Sociological Jurisprudence provides the understanding that law can function as a driver of change, while Sociology of Law emphasizes that any legal change can only be sustained if it aligns with the social realities of society. Both illustrate that the modernization of Islamic law proceeds through a dialectical process between the increasingly diverse needs of society and the normative values of Islam that form its foundation. These findings also indicate that Islamic law is not static but continuously adapts to the principles of justice, equality, and democracy that develop in the public sphere. The modernization of Islamic law in Indonesia is not merely an accommodation to the changing times but also a reflection of efforts to maintain the relevance of Islamic law so that it remains dynamic, applicable, and beneficial for contemporary society. This research contributes to the theoretical understanding of the relationship between law and society and provides practical guidance for policymakers and legal institutions in formulating regulations that are more relevant to the needs of today’s society.
Implikasi Pendapatan Daerah Terhadap Laju Perekonomian Dalam Perspektif Ekonomi Islam Rizqa, Agitsna Alya; Musthofa, Muhammad Wakhid
Perbanas Journal of Islamic Economics and Business Vol 4 No 2 (2024): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v4i2.261

Abstract

Peningkatan sumber-sumber pendapatan daerah akan mendorong pemerintah dalam memenuhi kebutuhan masyarakat sehingga dapat meningkatkan laju pertumbuhan ekonomi. Tingkat pendapatan daerah Provinsi Jawa Barat yang tinggi dapat mempresentasikan kinerja pemerintah dalam mengelola anggarannya sebagai upaya mencapai pertumbuhan ekonomi. Tujuan penelitian ini untuk menganalisis peran pendapatan asli daerah, dana bagi hasil, dana alokasi umum, serta dana alokasi khusus dalam mendorong laju pertumbuhan ekonomi yang ditinjau dari pandangan ekonomi Islam. Metode yang digunakan yaitu analisis regresi linier berganda dengan objek penelitian Provinsi Jawa Barat dan menggunakan data time-series periode 2012 hingga 2021. Kebaruan penelitian yaitu dengan menambahkan variabel dana bagi hasil sebagai indikator dana perimbangan dan meninjau pendanaan daerah dari sisi ekonomi Islam. Penelitian ini memberi implikasi terhadap kebijakan pemerintah daerah, apakah sumber-sumber penerimaan daerah perlu dialokasikan lebih banyak pada program sosial atau proyek infrastruktur yang secara langsung dapat mendorong perekonomian. Temuan memperlihatkan pendapatan asli daerah dapat mendorong pertumbuhan ekonomi, namun dana bagi hasil, dana alokasi umum, dan dana alokasi khusus tidak dapat mendorong pertumbuhan ekonomi di Jawa Barat. Pemerintah perlu merelokasi proporsi anggaran dana perimbangan untuk mengatasi eksploitasi sumber daya, optimalisasi pengelolaan dana, hingga mencapai pertumbuhan ekonomi. Ekonomi Islam memandang kepentingan sosial sebagai tanggung jawab pemerintah yang harus dipenuhi seperti memelihara, menyediakan, serta mengoperasikan layanan publik. Negara berkewajiban memastikan proses distribusi dan alokasi pendapatan dapat mensejahterakan masyarakat, bukan dengan mementingkan kepentingan suatu kelompok.
Co-Authors Afandi, Mukhamad Yazid Khalimy , Akmad Kurniasih, Uun Muhammad Wakhid Musthofa Slamet Haryono