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All Journal Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam Afkaruna: International Journal of Islamic Studies (AIJIS) Alkasb: Journal of Islamic Economics JIES : Journal of Islamic Economics Studies
Wahyunitasari, Eka Dita
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

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Pengaruh BOPO, BI Rate, NPF dan DPK Terhadap ROA Pada Perbankan Syariah Di Indonesia Wahyunitasari, Eka Dita; Sopingi, Imam; Musfiroh, Anita
Afkaruna: International Journal of Islamic Studies (AIJIS) Vol. 2 No. 1 (2024): September
Publisher : Universitas Islam Internasional Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/aijis.v2i1.1981

Abstract

Islamic banking in Indonesia has shown rapid development in the last two decades. However, there are major challenges related to profitability as measured by Return on Assets (ROA). This study aims to analyze the effect of BOPO (Operational Costs to Operating Income), BI Rate, Non-Performing Financing (NPF), and Third Party Funds (DPK) variables on Return on Assets (ROA) in Islamic banking in Indonesia during the period 2019-2024. Quantitative methods with multiple linear regression are used to test the relationship between variables using financial report data published by the Financial Services Authority (OJK). The results of the study indicate that the BOPO and NPF variables have a negative effect on Return on Assets (ROA), while the BI Rate and DPK show no effect on ROA. The simultaneous test also proves that the independent variables affect Return on Assets ROA. These findings emphasize the importance of controlling operational costs and managing financing risks to increase the profitability of Islamic banks. The implications of the study indicate that optimizing operational efficiency and risk management can be key strategies in improving the financial performance of Islamic banking in Indonesia. This study contributes by showing that operational efficiency and financing risk management are essential to improving profitability in Islamic banking in Indonesia. In addition, this study also provides strategic insights for banks in improving their financial performance.
Evaluation of the gold installment pricing policy and its implications for market competitiveness and growth Wahyunitasari, Eka Dita; Haryanti, Peni; Muhammad, Atha Mahdi
Alkasb: Journal of Islamic Economics Vol. 3 No. 2 (2024)
Publisher : Islamic Economics Study Program, Faculty of Sharia and Islamic Economics, Universitas Annuqayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59005/alkasb.v3i2.453

Abstract

This study aims to evaluate the gold installment pricing policy at Bank Syariah Indonesia (BSI) and analyze its implications for market competitiveness and growth. The gold installment pricing policy plays an important role in attracting customer interest and maintaining the stability of the gold market in the Islamic banking sector. This study uses a secondary research method with a descriptive analytical approach from BSI's financial statements and internal policies. The results of the study indicate that a competitive gold installment pricing policy can increase BSI's competitiveness in the Islamic banking market, while simultaneously driving significant market growth. However, there are challenges in maintaining a balance between pricing in accordance with Islamic principles and fluctuating market dynamics. The implications of these findings emphasize the importance of adjusting pricing policies to be in line with market needs and sharia principles. Competitive policies not only expand market share but also maintain BSI's position as a leader in the sharia banking sector.
PENGARUH INFLASI DAN BI RATE TERHADAP KINERJA INDEKS SAHAM SYARIAH INDONESIA (ISSI) PADA BURSA EFEK INDONESIA Wahyunitasari, Eka Dita; Raziqi, Khairul; Haryanti, Peni
ISTISMAR Vol. 5 No. 2 (2022): Desember
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/istismar.v5i2.5386

Abstract

Penelitian ini mengevaluasi pengaruh inflasi dan suku bunga terhadap kinerja Indeks Saham Syariah Indonesia (ISSI) menggunakan pendekatan kuantitatif dengan metode regresi linear berganda. Data diambil dari laporan resmi Otoritas Jasa Keuangan dan Bank Indonesia periode Juli 2019 hingga Juni 2024. Hasil uji parsial menunjukkan bahwa suku bunga memiliki pengaruh signifikan terhadap kinerja ISSI, sedangkan inflasi tidak menunjukkan pengaruh yang berarti. Hasil uji simultan juga mengonfirmasi bahwa kedua variabel bersama-sama memengaruhi kinerja ISSI dengan kontribusi sebesar 60,5%, yang diindikasikan oleh nilai Adjusted R Square. Temuan ini menunjukkan bahwa kebijakan moneter, terutama perubahan suku bunga, perlu diperhatikan oleh investor dan manajer portofolio di pasar saham syariah. Sementara inflasi tidak memiliki dampak signifikan, investor disarankan tetap mempertimbangkan faktor fundamental perusahaan dan stabilitas ekonomi dalam pengambilan keputusan investasi.
Analisis Peran Lembaga Keuangan Syariah Dalam Perekonomian Indonesia: Sebuah Pendekatan Library Research Wahyunitasari, Eka Dita; Sopingi, Imam; Musfiroh, Anita
JIES : Journal of Islamic Economics Studies Vol. 4 No. 2 (2023): Juni
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/jies.v4i2.5749

Abstract

Tujuan dari penelitian ini adalah untuk menganalisis peran lembaga keuangan syariah dalam meningkatkan perekonomian Indonesia dan mengidentifikasi dampak positif yang ditimbulkannya. Metode yang digunakan adalah kualitatif dengan pendekatan penelitian kepustakaan dari berbagai sumber terpercaya. Hasil penelitian menunjukkan bahwa lembaga keuangan syariah memberikan kontribusi yang signifikan dalam meningkatkan perekonomian Indonesia melalui beberapa mekanisme. Dari hasil penelitian disimpulkan bahwa lembaga keuangan syariah memiliki potensi yang besar dalam membantu meningkatkan perekonomian Indonesia melalui berbagai program dan inovasi. Namun demikian, masih diperlukan upaya untuk meningkatkan literasi dan edukasi masyarakat mengenai produk keuangan syariah dan manfaat penggunaannya bagi pertumbuhan ekonomi nasional. Untuk mengoptimalkan peran lembaga keuangan syariah dalam meningkatkan perekonomian Indonesia, diperlukan upaya yang berkesinambungan dari pemerintah, regulator, lembaga keuangan syariah, dan masyarakat secara keseluruhan.
The Influence of Islamic Fundamentals Analysis on the Interest and Profitability of Sharia Stock Investors in KSPM-S East Java Wahyunitasari, Eka Dita; Sopingi, Imam
Afkaruna: International Journal of Islamic Studies (AIJIS) Vol. 3 No. 1 (2025): September
Publisher : Universitas Islam Internasional Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/aijis.v3i1.3087

Abstract

This study analyzes the influence of Islamic-based fundamental analysis on the investment interest and profits of Islamic stock investors, particularly students who act as investors and are members of the Islamic Capital Market Study Group (KSPM-S) in East Java. The research is driven by the significance of Islamic financial literacy in supporting investment decisions that align with Islamic principles. A quantitative method with a path analysis approach is employed to identify the direct relationship between the understanding of Islamic fundamental analysis and the level of investment interest and resulting profits. The findings reveal that comprehension of core Islamic principles such as the prohibition of usury, the permissibility of business activities, and financial transparency has a positive impact on students’ interest in investing and contributes to increased investment returns. These results highlight the importance of integrating financial education with Islamic values in the investment decision-making process. The study also offers recommendations to enhance training programs on value-based Islamic stock analysis for the development of KSPM-S members.
Co-Authors Haryanti, Peni Imam Sopingi Muhammad, Atha Mahdi Musfiroh, Anita Raziqi, Khairul