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All Journal Tasharruf: Journal Economics and Business of Islam Assyarikah: Journal Of Islamic Economic Business
Fhathunnida, Ratu
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Religion Economics, Econometrics & Finance Social Sciences

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Analisis Komparatif Kinerja Keuangan Bank Syari'ah dengan Bank Konvensional Secara Umum di Indonesia Periode 2019-2023 Faradella, Tialika Nurul; Nurrodiah, Latifah Dewi; Fhathunnida, Ratu; Hidayat, Wahyu; Ibrahim, Zaini
Assyarikah: Journal of Islamic Economic Business Vol 5, No 1 (2024): Assyarikah: Journal Of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/assyarikah.v5i1.1746

Abstract

Menilai kesiapan sektor perbankan nasional dalam menghadapi persaingan komersial pada tahun 2024 dengan fokus pada perbankan syariah, tujuan penelitian kami untuk mengevaluasi hasil keuangan bank syari’ah dan bank konvensional tahun 2019-2023. Kami akan melakukannya dengan melihat kinerja keuangan perusahaan. Strategi pengambilan sampel menggunakan metodologi Purposive Sample, artinya digunakan kriteria tertentu untuk memilih sampel. Parameter keuangan seperti Capital Adequacy Ratio (CAR), Return on Assets (ROA), Loan to Deposit Ratio (LDR), Non-Performing Loan (NPL), dan Biaya Operasional Pendapatan Operasional (BOPO). Kami menggunakan metodologi analisis kuantitatif dalam penelitian kami, yang membatasi penggunaan analisis data pada perhitungan numerik dan lalu membuat kesimpulan. Informasi ini ditarik dari laporan keuangan yang diterbitkan oleh Bank Umum tahun 2019–2023 yang disampaikan kepada OJK, BEI, BI, dan masing-masing bank umum. Metodologi tes yang digunakan pada penelitian ini yaitu Statistik Deskriptif, Statistik Kelompok, Tes Sampel Independen, dan Tes Simultan. Kami juga memanfaatkan program statistik SPSS Versi 25 dalam penelitian ini. Temuan penelitian ini menunjukkan variasi dan fluktuasi yang signifikan dalam setiap ukuran keuangan antara bank umum konvensional dan juga bank umum syari’ah di Indonesia.
Performance and Sharia Assessment of Islamic Coin (ISLM): Evidence from Forecasting, Risk-Adjusted Returns and Regulatory Analysis Anita, Anita; Suganda, Asep Dadan; Fhathunnida, Ratu; Hafeez, Humaira
Tasharruf: Journal Economics and Business of Islam Vol 11, No 1 (2026): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v11i1.4159

Abstract

The growth of Sharia-compliant crypto assets has prompted the need for an empirical study on the feasibility of Islamic Coin (ISLM) as a Sharia-compliant investment instrument. This study aims to analyze the performance of Islamic Coin (ISLM) as a Sharia-compliant investment asset through risk-adjusted return measurements, volatility forecasting, and a normative review of Sharia compliance and regulations. The study employed a mixed methods approach with a sequential explanatory design. The quantitative analysis utilized daily time series data for the period December 2023–October 2025 using the Sharpe index, independent t-test, and the Autoregressive Integrated Moving Average (ARIMA) model. The qualitative analysis employed a normative-juridical approach based on fatwas, maqasid al-shariah, and the Sharia governance framework. The results show that Islamic Coin (ISLM) has the highest Sharpe value compared to Sharia-compliant stocks and gold, indicating a potentially better return relative to risk. However, statistical difference tests showed no significant difference between the three instruments, so ISLM's superiority is relative and not supported inferentially. The ARIMA (7,1,0) model produced a good level of forecasting accuracy with a MAPE value of 3.06%, although high volatility indicates persistent speculative risk. From a normative perspective, Islamic Coin (ISLM) has the potential to conditionally comply with Sharia principles as long as it meets the transparency, underlying asset, and adequate Sharia governance aspects. This study concludes that Islamic Coin (ISLM) is more appropriately positioned as a complementary instrument (satellite asset) in a Sharia portfolio rather than as a superior investment asset, with its suitability determined by risk management and the integrity of Sharia governance.
Co-Authors Anita Anita ASEP DADAN SUGANDA Faradella, Tialika Nurul Hafeez, Humaira Nurrodiah, Latifah Dewi Wahyu Hidayat ZAINI IBRAHIM, ZAINI