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All Journal Ihtiyath : Jurnal Manajemen Keuangan Syariah
Alfadri, Ferri Alfadri
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Religion Arts Humanities Economics, Econometrics & Finance Social Sciences

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The COMPARISON OF SHARIA BANKING PERFORMANCE IN INDONESIA AND MALAYSIA REVIEWING FROM MAQASHID SHARIA INDEX Alfadri, Ferri Alfadri
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 6 No 1 (2022): Volume 6 No.1 Juni 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v6i1.3825

Abstract

The purpose of this study was to determine whether there is a difference in the performance of Islamic banks in Indonesia and Malaysia on the Maqashid Syariah Index. This study was a quantitative study using the independent samples t-test for comparative analysis. The study targets 8 Indonesian Islamic Commercial Banks and 8 Malaysian Islamic Banks. The data type used is the secondary data in the form of 2021 company financial statements obtained from the official websites of each bank. The research sampling method adopts purposeful sampling. The results showed that Indonesian and Malaysian Islamic banks did not differ in their performance in terms of educational goals, and Indonesian and Malaysian Islamic banks differed significantly and significantly in their performance in achieving justice. There was no significant difference in the performance of Islamic banks in Indonesia and Malaysia.Malaysia is viewed from the public interest. And there is a significant difference between the performance of Islamic banking in Indonesia and Malaysia in terms of the Maqashid Syariah Index (MSI).
THE ANALYSIS OF THE FINANCIAL PERFORMANCE OF SHARIA COMMERCIAL BANK IN INDONESIA VIEWED FROM CORPORATE GOVERNANCE AND SHARIA COMPLIANCE Alfadri, Ferri Alfadri
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 1 (2023): Vol.7 No.1 Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i1.5857

Abstract

ANALYSIS OF THE FINANCIAL PERFORMANCE OF SHARIA COMMERCIAL BANK IN INDONESIA VIEWED FROM CORPORATE GOVERNANCE AND SHARIA COMPLIANCE Abstract Purpose: This quantitative study aims to analyze the influence of Corporate Governance (CG) and Sharia Compliance (SC) on the financial performance of Sharia Commercial Banks in Indonesia from 2014 to 2020. The research investigates the impact of these factors, both individually and collectively, on key financial indicators. Design/methodology/approach: The study utilizes panel data analysis with a sample of 49 observations. Data sources include reports from the official websites of the Financial Services Authority and Bank Indonesia. Sharia Compliance is assessed using profit-sharing ratios (PSR), zakat performance ratios (ZPR), and equitable distribution ratios (EDR). Quantitative techniques, specifically panel data analysis, are employed for data processing. Findings: The analysis reveals that the ratios of PSR, ZPR, EDR, and Islamic Corporate Governance (ICG) significantly impact the financial performance of Islamic banks, explaining 76.38% of the variance (R² = 0.762975). However, 23.62% of the financial performance variation is attributed to other variables not included in the study. Research limitations/implications: Limitations include the specific focus on Sharia Commercial Banks in Indonesia, and the study's reliance on self-reported data. The results emphasize the importance of CG and SC but acknowledge the presence of unexplored factors influencing financial performance. Practical implications: The study suggests that improving CG and SC practices can enhance the financial performance of Islamic banks. Sharia Commercial Banks are encouraged to focus on PSR, ZPR, and EDR as indicators of Sharia Compliance to build customer trust and loyalty. Keywords: Corporate Governance, Sharia Compliance, financial performance ANALISIS KINERJA KEUANGAN BANK UMUM SYARIAH DI INDONESIA DILIHAT DARI TATA KELOLA PERUSAHAAN DAN KEPATUHAN SYARIAH Abstrak Tujuan: Penelitian kuantitatif ini bertujuan untuk menganalisis pengaruh Corporate Governance (CG) dan Sharia Compliance (SC) terhadap kinerja keuangan Bank Umum Syariah di Indonesia dari tahun 2014 hingga 2020. Penelitian ini menyelidiki dampak dari faktor-faktor ini, baik secara individu maupun kolektif, pada indikator keuangan utama. Desain / metodologi / pendekatan: Penelitian ini menggunakan analisis data panel dengan sampel 49 pengamatan. Sumber data meliputi laporan dari situs resmi Otoritas Jasa Keuangan dan Bank Indonesia. Kepatuhan Syariah dinilai menggunakan rasio bagi hasil (PSR), rasio kinerja zakat (ZPR), dan rasio distribusi yang adil (EDR). Teknik kuantitatif, khususnya analisis data panel, digunakan untuk pengolahan data. Temuan: Analisis mengungkapkan bahwa rasio PSR, ZPR, EDR, dan Islamic Corporate Governance (ICG) secara signifikan mempengaruhi kinerja keuangan bank syariah, menjelaskan 76,38% varians (R² = 0,762975). Namun, 23,62% dari variasi kinerja keuangan dikaitkan dengan variabel lain yang tidak termasuk dalam penelitian. Keterbatasan / implikasi penelitian: Keterbatasan termasuk fokus khusus pada Bank Umum Syariah di Indonesia, dan ketergantungan penelitian pada data yang dilaporkan sendiri. Hasilnya menekankan pentingnya CG dan SC tetapi mengakui adanya faktor-faktor yang belum dijelajahi yang mempengaruhi kinerja keuangan. Implikasi praktis: Studi ini menunjukkan bahwa meningkatkan praktik CG dan SC dapat meningkatkan kinerja keuangan bank syariah. Bank Umum Syariah didorong untuk fokus pada PSR, ZPR, dan EDR sebagai indikator Kepatuhan Syariah untuk membangun kepercayaan dan loyalitas nasabah. Kata kunci: Tata Kelola Perusahaan, Kepatuhan Syariah, kinerja keuangan
Eksplorasi Potensi Pengembangan Sektor Keuangan Syariah dalam Meningkatkan Inklusi Keuangan di Padangsidimpuan Alfadri, Ferri Alfadri; Nasution, Sahara Bulan
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 2 (2024): Vol. 8 No.2 Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i2.10118

Abstract

This research aims to examine the potential for developing the sharia financial sector in increasing financial inclusion in Padangsidimpuan City. The Analytic Hierarchy Process (AHP) approach was used with data obtained through surveys and in-depth interviews. The research results show that the main obstacles are limited infrastructure, low human resource competency, and the dominance of the conventional financial sector. The proposed solutions include sharia financial education, technology development, and collaboration with small businesses. This research emphasizes the importance of regulation, technological innovation, and community involvement in expanding access to sharia finance. Future research is recommended to compare the effectiveness of policies in various regions and examine the long-term impact of Islamic financial technology.
The COMPARISON OF SHARIA BANKING PERFORMANCE IN INDONESIA AND MALAYSIA REVIEWING FROM MAQASHID SHARIA INDEX Alfadri, Ferri Alfadri
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 6 No 1 (2022): Volume 6 No.1 Juni 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v6i1.3825

Abstract

The purpose of this study was to determine whether there is a difference in the performance of Islamic banks in Indonesia and Malaysia on the Maqashid Syariah Index. This study was a quantitative study using the independent samples t-test for comparative analysis. The study targets 8 Indonesian Islamic Commercial Banks and 8 Malaysian Islamic Banks. The data type used is the secondary data in the form of 2021 company financial statements obtained from the official websites of each bank. The research sampling method adopts purposeful sampling. The results showed that Indonesian and Malaysian Islamic banks did not differ in their performance in terms of educational goals, and Indonesian and Malaysian Islamic banks differed significantly and significantly in their performance in achieving justice. There was no significant difference in the performance of Islamic banks in Indonesia and Malaysia.Malaysia is viewed from the public interest. And there is a significant difference between the performance of Islamic banking in Indonesia and Malaysia in terms of the Maqashid Syariah Index (MSI).
THE ANALYSIS OF THE FINANCIAL PERFORMANCE OF SHARIA COMMERCIAL BANK IN INDONESIA VIEWED FROM CORPORATE GOVERNANCE AND SHARIA COMPLIANCE Alfadri, Ferri Alfadri
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 1 (2023): Vol.7 No.1 Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i1.5857

Abstract

ANALYSIS OF THE FINANCIAL PERFORMANCE OF SHARIA COMMERCIAL BANK IN INDONESIA VIEWED FROM CORPORATE GOVERNANCE AND SHARIA COMPLIANCE Abstract Purpose: This quantitative study aims to analyze the influence of Corporate Governance (CG) and Sharia Compliance (SC) on the financial performance of Sharia Commercial Banks in Indonesia from 2014 to 2020. The research investigates the impact of these factors, both individually and collectively, on key financial indicators. Design/methodology/approach: The study utilizes panel data analysis with a sample of 49 observations. Data sources include reports from the official websites of the Financial Services Authority and Bank Indonesia. Sharia Compliance is assessed using profit-sharing ratios (PSR), zakat performance ratios (ZPR), and equitable distribution ratios (EDR). Quantitative techniques, specifically panel data analysis, are employed for data processing. Findings: The analysis reveals that the ratios of PSR, ZPR, EDR, and Islamic Corporate Governance (ICG) significantly impact the financial performance of Islamic banks, explaining 76.38% of the variance (R² = 0.762975). However, 23.62% of the financial performance variation is attributed to other variables not included in the study. Research limitations/implications: Limitations include the specific focus on Sharia Commercial Banks in Indonesia, and the study's reliance on self-reported data. The results emphasize the importance of CG and SC but acknowledge the presence of unexplored factors influencing financial performance. Practical implications: The study suggests that improving CG and SC practices can enhance the financial performance of Islamic banks. Sharia Commercial Banks are encouraged to focus on PSR, ZPR, and EDR as indicators of Sharia Compliance to build customer trust and loyalty. Keywords: Corporate Governance, Sharia Compliance, financial performance ANALISIS KINERJA KEUANGAN BANK UMUM SYARIAH DI INDONESIA DILIHAT DARI TATA KELOLA PERUSAHAAN DAN KEPATUHAN SYARIAH Abstrak Tujuan: Penelitian kuantitatif ini bertujuan untuk menganalisis pengaruh Corporate Governance (CG) dan Sharia Compliance (SC) terhadap kinerja keuangan Bank Umum Syariah di Indonesia dari tahun 2014 hingga 2020. Penelitian ini menyelidiki dampak dari faktor-faktor ini, baik secara individu maupun kolektif, pada indikator keuangan utama. Desain / metodologi / pendekatan: Penelitian ini menggunakan analisis data panel dengan sampel 49 pengamatan. Sumber data meliputi laporan dari situs resmi Otoritas Jasa Keuangan dan Bank Indonesia. Kepatuhan Syariah dinilai menggunakan rasio bagi hasil (PSR), rasio kinerja zakat (ZPR), dan rasio distribusi yang adil (EDR). Teknik kuantitatif, khususnya analisis data panel, digunakan untuk pengolahan data. Temuan: Analisis mengungkapkan bahwa rasio PSR, ZPR, EDR, dan Islamic Corporate Governance (ICG) secara signifikan mempengaruhi kinerja keuangan bank syariah, menjelaskan 76,38% varians (R² = 0,762975). Namun, 23,62% dari variasi kinerja keuangan dikaitkan dengan variabel lain yang tidak termasuk dalam penelitian. Keterbatasan / implikasi penelitian: Keterbatasan termasuk fokus khusus pada Bank Umum Syariah di Indonesia, dan ketergantungan penelitian pada data yang dilaporkan sendiri. Hasilnya menekankan pentingnya CG dan SC tetapi mengakui adanya faktor-faktor yang belum dijelajahi yang mempengaruhi kinerja keuangan. Implikasi praktis: Studi ini menunjukkan bahwa meningkatkan praktik CG dan SC dapat meningkatkan kinerja keuangan bank syariah. Bank Umum Syariah didorong untuk fokus pada PSR, ZPR, dan EDR sebagai indikator Kepatuhan Syariah untuk membangun kepercayaan dan loyalitas nasabah. Kata kunci: Tata Kelola Perusahaan, Kepatuhan Syariah, kinerja keuangan
Co-Authors Nasution, Sahara Bulan