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All Journal Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Ekalaya : Jurnal Ekonomi Akuntansi
Fuji Hakiki, Muhamad
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analisis Ekonomi Islam dalam Perspektif Fiqh Melalui Kajian Qawaidul Fiqhiyyah Mustofa Mustofa, Mustofa; Fuji Hakiki, Muhamad; Suganda, Ahmad; Rahman, Encep Taufik
EKALAYA : Jurnal Ekonomi Akuntansi Vol. 2 No. 3 (2024): Ekalaya : Jurnal Ekonomi Akuntansi
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/ekalaya.v2i3.1108

Abstract

Islamic economics, as a component of Islamic knowledge, has emerged as a new discipline in the social sciences, gaining recognition in various higher education institutions in the contemporary Muslim world. Various sources of Islamic knowledge have played an important role in shaping its growth and progress. However, the principles of Islamic law, especially qawa'id al-fiqhiyyah, have not been widely explored regarding their application in the current fiqh paradigm. Through a content analysis approach, this paper examines the relevance of qawā'id al-fiqhiyyah, specifically focusing on the five normative principles and their variations, in understanding Islamic economics from a fiqh perspective. The aim is to evaluate its significance in Islamic economic activities and its adaptability in different temporal and spatial contexts. This research reveals that qawa'id al-fiqhiyyah significantly enriches the understanding of Islamic economics in the realm of higher education. These principles help in interpreting economic theories through the lens of Islamic ethics. Therefore, it can be concluded that the concerted efforts of Muslim social scientists, especially economists, to study this branch of fiqh diligently and with dedication will facilitate a deeper understanding of economic theories from the perspective of fiqh.
ANALYSIS OF PROFITABILITY DETERMINANTS IN ISLAMIC BANKS IN INDONESIA AND MALAYSIA Husen Sobana, Dadang; Fuji Hakiki, Muhamad; Ibrahim, Asep Warsa
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 01 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i01.7820

Abstract

The Islamic banking sector in Indonesia and Malaysia has grown significantly, with Islamic banks operating under Sharia principles, differing from conventional banks in business models and risk management. This study analyzes the impact of income diversification, capital adequacy, asset quality, operational efficiency, and liquidity on the profitability of Islamic banks, using secondary data from the annual financial reports of 20 Islamic banks from 2019–2023. The variables examined include Return on Assets (ROA), income diversification (DIV), capital adequacy ratio (CAR), non-performing financing (NPF), operational efficiency (BOPO), and liquidity. The findings show that income diversification, capital adequacy, operational efficiency, and the financing-to-deposit ratio (FDR) significantly impact profitability. However, the NPF ratio shows a negative but statistically insignificant effect on profitability, likely due to effective risk management. The FDR ratio has a positive and significant effect, indicating that proper financing allocation enhances profitability. Asset quality and operational efficiency are identified as the most significant factors affecting Islamic bank profitability in Indonesia and Malaysia. While income diversification, capital adequacy, and liquidity do not show significant effects, they remain important for careful management. This research provides key insights for Islamic bank management in improving profitability by focusing on credit risk and operational efficiency.
Co-Authors Ahmad Suganda Encep Taufik Rahman Ibrahim, Asep Warsa Mustofa Mustofa, Mustofa Sobana, Dadang Husen