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All Journal Jurnal Administrasi Bisnis Hukum Islam An-Nisbah: Jurnal Ekonomi Syariah Jurnal Ekonomi dan Bisnis Islam Jurnal Ekonomi & Keuangan Islam AFEBI Islamic Finance and Economic Review Elastisitas Jurnal Ekonomi Pembangunan Jurnal Riset Ekonomi Syariah Muslim Business and Economic Review Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah An-Nisbah: Jurnal Ekonomi Syariah JIFA (Journal of Islamic Finance and Accounting) ISTIFADA : Jurnal Ekonomi dan Lembaga Keuangan Syariah
Kasanah, Roisatun
Airlangga University
Religion Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Sharia Peer to Peer Financing Innovation in Indonesia: Insights from Prospective Investors Roisatun Kasanah; Sulistya Rusgianto
Muslim Business and Economics Review Vol. 5 No. 1 (2026)
Publisher : Universitas Islam Internasional Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56529/mber.v5i1.392

Abstract

Sharia peer-to-peer (P2P) financing offers a sharia-compliant investment alternative that addresses increasing demand in Indonesia, with substantial growth potential. This study identifies the factors influencing investors' intentions to use sharia P2P financing services in Indonesia. Drawing on the theory of reasoned action and the extended valence framework, this research examines perceived benefit, perceived risk, trust, social influence, and sharia financial knowledge. This study seeks to enrich the literature on sharia investment by focusing on the psychological aspects of investors, particularly trust, perceived benefits, and perceived risks. Using a quantitative methodology and Partial Least Squares analysis, data were gathered from 219 respondents through online surveys. The results indicate that all variables, except perceived risk, significantly influence investment intention, with trust being the most impactful factor. These findings provide valuable insights for service providers and regulators to enhance investment activities through better understanding and strategic improvements.
FINANCIAL SECTOR INTEGRATION AND CREDIT RISK IN DRIVING SECTORAL ECONOMIC PERFORMANCE: EVIDENCE FROM THE DUAL BANKING SYSTEM IN NORTH SUMATRA Nuzulia Nuzulia; Hotsawadi Hotsawadi; Roisatun Kasanah
Elastisitas : Jurnal Ekonomi Pembangunan Vol. 8 No. 1 (2026): Elastisitas, Maret 2026
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303.e-jep.v8i1.07

Abstract

This study examines the role of financial sector integration through conventional and Islamic banking in driving sectoral economic performance in North Sumatra Province. It analyzes the impact of credit expansion and financing risk, proxied by Non-Performing Loans (NPL) and Non-Performing Financing (NPF), on sectoral output within a dual banking system framework. This study employs panel data covering 21 economic sectors in North Sumatra and applies both static panel estimation methods (Fixed Effects Model and Random Effects Model) and dynamic panel approaches (System-GMM and First-Difference-GMM) to address heterogeneity and potential endogeneity issues. The results indicate that credit expansion has a positive and significant effect on sectoral output, suggesting that financial integration enhances regional productive capacity. In contrast, higher levels of NPL/NPF negatively affect sectoral performance, reflecting weakened intermediation due to deteriorating asset quality. Robustness tests confirm the consistency and validity of the estimation results across different model specifications. These findings highlight the importance of maintaining a balance between credit growth and prudent risk management to support sustainable regional economic development.
CONTENT ANALYSIS OF ESG IMPLEMENTATION IN MAJOR ISLAMIC BANKING IN SELECTED OIC COUNTRIES Roisatun Kasanah; Nuzulia Nuzulia; Muhammad Anis; Dahruji Dahruji
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 12 No. 1 (2026): JANUARY - JUNE 2026
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v12i1.83388

Abstract

Despite the growing alignment between ESG principles and Islamic finance values, empirical evidence on the depth and consistency of ESG disclosure among major Islamic banks across OIC countries remains limited, particularly in the post-COVID period marked by heightened sustainability pressures. This study addresses this gap by examining the extent and pattern of ESG disclosure among six major Islamic banks in OIC countries through qualitative content analysis of their 2023 sustainability reports, evaluated against the Global Reporting Initiative (GRI) Standards. The novelty of this study lies in its systematic cross-country comparison of Islamic bank ESG disclosure using GRI as a unified analytical framework. The results reveal significant disparities across banks and dimensions: Bank Syariah Indonesia leads overall disclosure with 73 indicators, while Al Rajhi Saudi Arabia discloses only 19. Critical social and environmental indicators, including human rights assessment, socioeconomic compliance, and supplier environmental screening remain unreported across all six banks, highlighting a systemic gap between the normative aspirations of Islamic finance and actual reporting practice. These findings underscore the urgent need for harmonized ESG reporting standards across OIC jurisdictions and provide actionable insights for regulators, Islamic banks, and investors seeking to strengthen the integrity and credibility of sustainability reporting within the Islamic financial system. Future studies are encouraged to expand the sample size, incorporate longitudinal analysis to track disclosure progress over time, and explore the institutional and regulatory determinants that drive variation in ESG reporting quality among Islamic financial institutions globally.
MENABUNG CERDAS: ANALISIS MINAT MENABUNG MAHASISWA PADA BANK KONVENSIONAL DAN BANK SYARIAH : Pendahuluan, Metode Penelitian, Pembahasan, Simpulan Nur Maurrotin; Rizal Maulana; Ach. Ainur Rofik; Roisatun Kasanah; Naila Nur Diana
ISTIFADA : Jurnal Ekonomi dan Lembaga Keuangan Syariah Vol. 1 No. 02 (2025): ISTIFADA : Jurnal Ekonomi Dan Lembaga Keuangan Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/istifada.v1i02.132

Abstract

Penelitian ini bertujuan untuk menganalisis minat menabung mahasiswa pada bank konvensional dan bank syariah. Fokus penelitian dilakukan pada kalangan mahasiswa. Metode kuantitatif dengan pendekatan deskriptif digunakan untuk membandingkan beberapa mahasiswa berdasarkan minat menabung. Data diperoleh melalui kuesioner dengan teknik sampling acak pada 100 responden. Penelitian ini menunjukkn hasil yang signifikan yaitu nilai sig sebesar 0,487 > 0,05. Dan minat menabung mahasiswa pada bank konvensional lebih tinggi, sedangkan pada bank syariah cenderung lebih sedikit. Studi ini memberikan implikasi bagi lembaga keuangan dalam merumuskan strategi peningkatan minat menabung mahasiwa, baik pada bank konvensional maupun bank syariah, sehingga dapat meningkatkan kualitas layanan serta daya saing produk.
PROFIT LOSS SHARING FINANCING IN INDONESIA ISLAMIC RURAL BANKS: AN EVALUATION AMIDST GLOBAL UNCERTAINTY Muhammad Anis; Roisatun Kasanah; Ahmed R. Rashed
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 2 (2025): JULY - DECEMBER 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i2.72577

Abstract

Although the Islamic banking industry has been developing for more than three decades, profit-loss sharing (PLS) financing has yet to secure a significant share of the overall financing portfolio. Against this backdrop, this study focuses on Indonesia’s Islamic Rural Banks (IRBs), which play a crucial role in serving micro and small enterprises nationwide. A key challenge for these institutions is the rising global uncertainty, which heightens risks, complicates financing decisions, and may hinder the growth of PLS-based contracts. Using the Autoregressive Distributed Lag (ARDL) model, this study examines both the short-term dynamics and the long-term impacts of operational efficiency (BOPO), profitability (ROA), inflation rate, industrial production index (IPI), and the World Uncertainty Index on profit-loss sharing financing. The analysis employs monthly data spanning the period from 2011 to 2024. The findings indicate that a combination of bank-specific factors and macroeconomic conditions plays a critical role in shaping PLS financing decisions in the short term. However, in the long term, the sustainability of PLS financing is more strongly linked to overall economic growth. Conversely, global uncertainty does not exert a significant influence, suggesting that IRBs exhibit relative resilience to external shocks. It suggests that PLS financing is more closely associated with economic growth and specific banking conditions than with global uncertainty. This study provides several recommendations for IRBs to enhance the implementation and sustainability of PLS-based financing.
Co-Authors Ach. Ainur Rofik Achmad Budi Susetyo Achmad Budi Susetyo Achmad Fadlil Abidillah Achmad Fadlil Abidillah Ahmed R. Rashed Anik Sunariyah Ariyanti, Dila Iska Dahruji Dahruji Enni Endriyati Fitria Idham Chalid Hotsawadi Muhamad Nafik Hadi Ryandono Muhammad Anis Muhammad Anis Naila Nur Diana Nur Maurrotin Nurhisna Nuzulia Nuzulia Nuzulia Nuzulia Nuzulia, Nuzulia Rizal Maulana Saparila Worokinasih Siti Zubaidah Sulistya Rusgianto Sulistya Rusgianto