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All Journal Jurnal Media Akademik (JMA) Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Intelek Insan Cendikia Jurnal Bersama Ilmu Ekonomi Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah
Anggun Okta Fitri
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PENGARUH PEMBIAYAAN MUDHARABAH DAN PIUTANG MURABAHAH TERHADAP RETURN ON ASSETS (ROA) PADA BANK UMUM SYARIAH PERIODE JUNI 2023 – JUNI 2024 Naina Zulfa Nurhadi; Muhammad Iqbal Fasa; Anggun Okta Fitri
Jurnal Media Akademik (JMA) Vol. 2 No. 11 (2024): JURNAL MEDIA AKADEMIK Edisi November
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/v2i11.949

Abstract

Penelitian ini bertujuan untuk mengeksplorasi pengaruh pembiayaan Mudharabah dan piutang Murabahah terhadap Return On Assets (ROA) pada Bank Umum Syariah selama periode Juni 2023 hingga Juni 2024. Pembiayaan Mudharabah merupakan bentuk pembiayaan berbasis bagi hasil yang mencerminkan prinsip kerjasama dalam sistem ekonomi syariah, sedangkan piutang Murabahah adalah transaksi jual beli dengan margin keuntungan yang telah ditentukan di awal, yang umum diterapkan dalam perbankan syariah. ROA sendiri merupakan rasio keuangan yang digunakan untuk menilai sejauh mana efisiensi bank dalam memanfaatkan aset yang dimiliki untuk menghasilkan laba. ROA mencerminkan kinerja manajerial dalam memaksimalkan sumber daya guna meraih keuntungan. Dalam konteks perbankan syariah, Mudharabah dan Murabahah merupakan instrumen utama yang berperan dalam meningkatkan kinerja keuangan bank. Metode penelitian ini menggunakan pendekatan kuantitatif dengan desain asosiatif kausal, di mana data yang dianalisis berupa laporan keuangan Bank Syariah Indonesia yang diperoleh dari situs resmi OJK (www.ojk.go.id) untuk periode Juni 2023 hingga Juni 2024. Laporan Keuangan Bulanan Bank Syariah Indonesia menjadi sumber utama data yang digunakan dalam penelitian ini. Variabel dependen (Y) dalam penelitian ini adalah ROA, sementara variabel independen (X) terdiri dari piutang Murabahah dan pembiayaan Mudharabah. Data dianalisis menggunakan perangkat lunak Eviews 10. Hasil analisis menunjukkan bahwa pembiayaan Mudharabah dan piutang Murabahah memiliki pengaruh yang signifikan terhadap kinerja keuangan bank, khususnya dalam kaitannya dengan ROA. Namun, penelitian ini juga menemukan bahwa piutang Murabahah tidak memberikan dampak signifikan terhadap ROA
Analisis Hambatan Pertumbuhan Perbankan Syariah di Indonesia Nur Vitriani; Anggun Okta Fitri; Sherly Etika Sari
Jurnal Bersama Ilmu Ekonomi (EKONOM) Vol. 1 No. 1 (2025): Februari 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/ekonom.v1i1.107

Abstract

The growth of Islamic banking tends to be slower when compared to national banking, which shows that there are still various challenges or obstacles that must be overcome by Islamic banking. Similarly, the great potential that should be owned to boost the development of Islamic banking. However, the reality is that until now, the growth rate of Islamic banking is still far behind that of conventional banks. The purpose of this study is to reveal the various obstacles faced by Islamic banking in Indonesia in its growth process. This research is descriptive qualitative in nature, using data collection techniques through interviews and documentation. The findings of this study show that the barriers to the growth of Islamic banking in Indonesia include the lack of human resources who understand Islamic banking well, the lack of socialization received by the public, the low literacy about Islamic banking among the public, the lack of enthusiasm and public trust in Islamic banking, and the delay in the existence of regulations that specifically regulate Islamic banking. This does not only apply to delays or barriers in the growth of Islamic banking in Indonesia, but also applies nationally.
Pengembangan Layanan Perbankan Digital dalam Perbankan Syariah Riska Selvia; Femei Purnama Sari; Anggun Okta Fitri
Jurnal Bersama Ilmu Ekonomi (EKONOM) Vol. 1 No. 2 (2025): Mei 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/ekonom.v1i2.111

Abstract

The development of digital technology has brought major changes in the world of Islamic banking, especially in the way people access financial services. Now, with the advancement of information technology, Islamic banks are able to provide various services that make it easier for people without having to come directly to the bank office. This study aims to determine the extent to which Islamic banking has developed in the digital era, with an emphasis on the role of information technology in improving efficiency and ease of access to financial services. This research uses the library study method, by reviewing various literature and documents related to the topic of Islamic banking and digitalization. Data sources come from books, scientific journals, and other relevant references. In the analysis process, the author uses a descriptive approach to explain the progress achieved by Islamic banking in utilizing digital technology. The findings in this study reveal that digital-based financial services, such as mobile banking and internet banking, play an important role in deepening Islamic banking and internet banking in entering the digital era, which continues to play an important role in expanding public access to Islamic banking products. In addition, Islamic banks have also come up with various innovative features that suit the needs of customers, such as bold account opening, transactions without physical cards, and financial services that are easy to use.
Pengaruh Pengembangan Produk, Persepsi Masyarakat, dan Keamanan terhadap Evaluasi Kinerja Bank Syariah Indonesia Kota Bandar Lampung Indra Al Fitara; Moh Bahrudin; Anggun Okta Fitri
Jurnal Bersama Ilmu Ekonomi (EKONOM) Vol. 1 No. 2 (2025): Mei 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/ekonom.v1i2.182

Abstract

This study highlights the importance of performance assessment of Indonesian Islamic Banks, especially Bandar Lampung Islamic Bank, which is influenced by product development, public perception, and security. The purpose of the study was to examine the impact of these three factors on bank performance assessment and determine the relative importance of each in the success of Islamic banks. The results of the analysis show that product development has a positive but insignificant impact, with a t-value (-306) smaller than the t-table (1.98217) and a significance (0.760) greater than 0.05. In contrast, public perception and security show a positive and significant impact, with t-values ​​of 5.154 and 2.909, respectively, and a significance below 0.05. These findings indicate that this study, although with important product development, security and public opinion have a greater influence on the performance of Islamic banks. Therefore, banks need to focus on improving transaction security, service quality, and transparency to build consumer trust. This study provides insight for Islamic bank management to improve performance and competitiveness in the Indonesian Islamic banking market.
Analisis Kualitatif atas Kontribusi Perbankan Syariah terhadap Stabilitas Keuangan: Studi Kasus Bank Syariah Indonesia (BSI) Revita Pratama Putri; Anggun Okta Fitri
Jurnal Bersama Ilmu Ekonomi (EKONOM) Vol. 1 No. 2 (2025): Mei 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/ekonom.v1i2.184

Abstract

This study aims to analyze the contribution of Bank Syariah Indonesia (BSI) to national financial stability through a qualitative case study approach. The research focuses on liquidity management, risk management, and compliance with Sharia principles. The findings indicate that BSI plays a strategic role in enhancing the resilience of the national financial system through adaptive and sustainability-oriented management strategies. These include portfolio diversification in productive sectors—particularly micro, small, and medium enterprises (MSMEs)—optimization of banking service digitalization, and the strengthening of governance based on Sharia values.Compliance with Sharia principles not only ensures operational integrity but also reinforces public trust in Islamic banking institutions. The implementation of asset-based financial systems and the avoidance of speculative practices significantly contribute to mitigating systemic risks. Moreover, BSI’s efforts to promote financial inclusion and increase public literacy regarding Sharia-compliant financial products further support the overall stability of the financial system.Nonetheless, several challenges remain, such as the low level of financial literacy among the general public and intense competition with conventional banks. Therefore, strategic and collaborative efforts are needed among regulators, industry players, and the public to enhance understanding and confidence in the Islamic financial system. These findings underscore the substantial potential of BSI in supporting the long-term stability and sustainability of Indonesia’s financial system.
Pengaruh Kemudahan Akses, Kepercayaan Nasabah, dan Kualitas Informasi terhadap Tingkat Loyalitas Nasabah Bank Syariah Lampung Ilham Rizoni; Astriani, Astriani; Anggun Okta Fitri
Jurnal Bersama Ilmu Ekonomi (EKONOM) Vol. 1 No. 2 (2025): Mei 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/ekonom.v1i2.190

Abstract

This study aims to examine the effect of ease of access, customer trust, and information quality on the level of customer loyalty of Islamic banks. In the era of rapid digitalization, ease of access is an important factor in improving customer experience, while high trust in Islamic banks serves as the main pillar in building long-term relationships. In addition, the quality of accurate, relevant, and transparent information also plays a crucial role in providing a clear understanding of sharia-based products and services. Using a quantitative approach and survey design, data were collected through questionnaires collected from 300 respondents in member countries of the Organization of Islamic Cooperation (OIC). The results of the analysis using Structural Equation Modeling (SEM) show that ease of access, consumer trust, and information quality have a positive and significant effect on consumer loyalty. This study is expected to provide new insights for the development of Islamic bank strategies in increasing customer loyalty amidst increasingly fierce competition. These findings also have practical implications for banks
Strategi Digitalisasi terhadap Bank Syariah untuk Meningkatkan Daya Saing Tiara Adelia Putri; Moh. Bahrudin; Anggun Okta Fitri
Jurnal Bersama Ilmu Ekonomi (EKONOM) Vol. 1 No. 2 (2025): Mei 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/ekonom.v1i2.191

Abstract

This study aims to analyze digitalization strategies in increasing the competitiveness of Islamic banks in the modern era. Digitalization has become a critical factor in facing global competition, especially with the increasing demands of customers for fast, safe, and sharia-compliant services. Based on data from Bank Syariah Indonesia (2023), the implementation of mobile banking applications and digital services has increased the number of active customers by 25%. However, challenges such as low digital literacy, dependence on legacy systems, and the need to ensure sharia compliance are still major obstacles (Muhdar, 2023; Setiawan & Mugiyati, 2024). This study uses a qualitative approach by analyzing secondary data from accredited journals and annual reports of Islamic banks. The results of the study show that strategies such as the adoption of sharia fintech, integration of blockchain technology, use of big data analytics, and development of mobile banking applications can improve operational efficiency and customer satisfaction (Andespa, 2024; Awamleh, 2024). However, the success of digitalization is highly dependent on infrastructure readiness, human resource competence, and collaboration with sharia fintech. This study provides recommendations for Islamic banks to invest in digital infrastructure development, employee training, and product innovation in accordance with Islamic principles to increase competitiveness in the digital era.
Analisis Perkembangan Regulasi Perbankan Syariah Di Indonesia : Peluang Dan Tantangan Bintang Kartika; Anggun Okta Fitri; Muhammad Iqbal Fasa
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 2 No 1 (2025): Mei
Publisher : Syamilah Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Perbankan syariah di Indonesia berkembang pesat seiring meningkatnya kesadaran masyarakat akan sistem keuangan berbasis prinsip Islam. Regulasi yang mengatur sektor ini berperan penting dalam mendorong pertumbuhan industri perbankan syariah. Penelitian ini bertujuan untuk mengeksplorasi perkembangan regulasi perbankan syariah di Indonesia serta mengidentifikasi peluang dan tantangan dalam penerapannya. Dengan menggunakan pendekatan kualitatif melalui studi literatur dan analisis kebijakan, penelitian ini mengkaji berbagai regulasi yang dikeluarkan oleh pemerintah dan otoritas terkait, seperti Undang-Undang Perbankan Syariah, peraturan dari Otoritas Jasa Keuangan (OJK), serta fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI). Hasil penelitian menunjukkan bahwa perkembangan regulasi telah memberikan dasar hukum yang lebih kokoh bagi industri ini, terutama dalam aspek permodalan, transparansi, dan pengawasan. Regulasi ini menciptakan berbagai peluang, termasuk peningkatan kepercayaan masyarakat, ekspansi pasar, dan inovasi produk keuangan syariah. Namun, terdapat tantangan yang perlu diatasi, seperti kesenjangan dalam implementasi regulasi, rendahnya literasi keuangan syariah, serta persaingan dengan perbankan konvensional. Selain itu, diperlukan harmonisasi regulasi antar lembaga terkait untuk meningkatkan efektivitas pengawasan dan kepatuhan terhadap prinsip syariah.
Analysis of the Role of Sharia Supervisory Boards Sri Winarsih; Anggun Okta Fitri; Muhammad Iqbal Fasa
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 2 No 1 (2025): Mei
Publisher : Syamilah Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The role of the Sharia Supervisory Board (SSB) is becoming increasingly important in the development of Islamic banking to ensure that financial institutions operate in accordance with sharia principles. The purpose of this study, Analysis of the Role of the Sharia Supervisory Board in Enhancing Sharia Compliance in Islamic Banking: A Literature Review, is to investigate the strategic role of the SSB in supporting sharia compliance in Islamic banking institutions. Data and information were collected from various academic sources, such as journals, books, and relevant research reports in the last five years. A literature review approach was used as the research method. This study is divided into three main chapters. First, the SSB has a strategic responsibility to supervise and advise Islamic financial institutions to ensure that the principles of Islamic law are applied to all bank goods and services, including avoiding riba, gharar, and maysir. Second, this study found that the SSB faces several problems in carrying out its functions. Some of these problems include the lack of experienced human resources in the field of sharia, the lack of public understanding of the function of the SSB, and pressure from external parties that can hinder the implementation of sharia principles. Third, this study suggests several ways to improve the effectiveness of the SSB. This includes enhancing the capabilities of DPS members through continuous training, increasing collaboration between DPS and relevant authorities such as the National Sharia Board (DSN), and implementing greater transparency of sharia audits.
Analysis of Sustainability and Sharia Compliance in Fintech and E-Commerce Business Services in Indonesia Annisa Putri Maharani; Anggun Okta Fitri; Muhammad Iqbal Fasa
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 2 No 1 (2025): Mei
Publisher : Syamilah Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research was conducted based on the economic development sector in Indonesia. Interaction between consumers and producers is now made more active and efficient, with the existence of e-commerce services and carried out digitally, there is no need to bring two parties together. not only in terms of transactions, but also in the financial services sector, where there has also been a transformation from initially transactions carried out using paper money, to now switching to using digital money with the presence of financial technology (fintech), even sharia-based ones. So with the events in these brackets, a problem formulation was created regarding how to study recording analysis and fintech as well as opportunities in sharia business in Indonesia. This research is a study of the literature in analytical descriptive type. Discusses e-commerce and Fintech from various reference sources which are collected and used as descriptions to facilitate the analysis process. The results conclude that the transformation of e-commerce and Fintech and its overall application are very beneficial for both consumers and producers, but there are still shortcomings such as fraud, protection of consumers' personal data, and unsuitable ordered goods. If you look at the competition with conventional financial institutions, of course sharia fintech still needs quite a long time, especially now that it is still in the minority so its use is not as widespread as conventional institutions.
Co-Authors Alfina Ali Annisa Putri Maharani Astriani, Astriani Aufa Rabbani Bintang Kartika Cindi Safitri Dea Amanda Putri Dwi Putri Octavianni Femei Purnama Sari Hana Mentari Aprilia Ilham rizoni Indra Al Fitara Is Susanto Lathifah Rahma Sakhi M.Fikrul Umam Al jupri Maryuni Afivi Moh Bahrudin Moh. Bahrudin Muhammad Iqbal Fasa Naina Zulfa Nurhadi Nur Vitriani Okta Dwi Puspita Okta Sari Putri Ameliaa Rendi Dwi Prabowo Restu Andini Revita Pratama Putri Riska Selvia Risna Wati Saputri, Fika Sherly Etika Sari Sri Winarsih Tiara Adelia Putri Widia Yuliyansa Wika Kalista