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INSTITUTIONAL AND POLICY DEVELOPMENT IN ISLAM Nurhidayat, Naufal; Ulpah, Dina Mariana; Nugraha, Hanafi; Sunengsih, Imas
Komitmen: Jurnal Ilmiah Manajemen Vol 6, No 1 (2025): KOMITMEN: Jurnal Ilmiah Manajemen
Publisher : FEBI UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jim.v6i1.43798

Abstract

This journal examines Islamic development institutions and policies. It aims to learn more about Islamic institutional and development policies in ensuring that the interests of society are aligned with the principles of Shari’a. The method used in this journal is a qualitative approach obtained from the literature of books, articles and the internet and refers to previous research that is collaborated into related discussions so that the author can provide systematic and relevant conclusions. The results of this journal state that institutions and policies have a relationship in development, especially the country’s economy, which is realized through special institutions related to public welfare, such as shari’a banking, shari’a pawn shops, BAZNAS, BMT. In Islam, economic development is not only a physical necessity, but is oriented towards spiritual development through aspects of tawhid, khalifah politics, tazkiyah, and physical development.
An Analysis of the Determinants of Non-Performing Financing in Islamic Commercial Banks in Indonesia during the 2015–2024 Period Utami, Adinda Putri Wulandari; Juniwati, Endang Hatma; Pakpahan, Rosma; Nugraha, Hanafi; Hazma, Hazma
Journal of Applied Islamic Economics and Finance Vol. 6 No. 1 (2025): Journal of Applied Islamic Economics and Finance (Oktober 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v6i1.6773

Abstract

Non Performing Financing is one of the important indicators in assessing the financial health of Islamic Commercial Banks. This study aims to determine the magnitude of the influence of FDR, BOPO, Net Imbalan, Inflation, and Exchange Rate on Non Performing Financing which is proxied by the NPF ratio. This study uses a quantitative approach with a descriptive method, and the data analysis technique used is panel data regression analysis. The population in this study includes Islamic Commercial Banks in Indonesia registered with the Financial Services Authority (OJK) during the period 2015–2024. The data used is secondary data in the form of a combination of time series and cross-section data, where the bank's quarterly reports are obtained from the official websites of each bank. Data related to inflation and exchange rates are obtained from the official website of Bank Indonesia. The results of this study indicate that FDR and BOPO have a significant positive effect on the NPF ratio. Meanwhile, the Exchange Rate (Kurs) has a significant negative effect on the NPF ratio. Net Imbalan and Inflation do not have a significant effect on the NPF ratio. Simultaneously, all independent variables influence the NPF ratio. The results of this study are expected to provide contributions in the form of useful insights for bank management, especially in managing financing risks. Thus, this study is expected to be able to support the improvement of the stability and performance of Islamic Commercial Banking in Indonesia.
INSTITUTIONAL AND POLICY DEVELOPMENT IN ISLAM Nurhidayat, Naufal; Ulpah, Dina Mariana; Nugraha, Hanafi; Sunengsih, Imas
KOMITMEN: Jurnal Ilmiah Manajemen Vol. 6 No. 1 (2025): KOMITMEN: Jurnal Ilmiah Manajemen
Publisher : FEBI UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jim.v6i1.43798

Abstract

This journal examines Islamic development institutions and policies. It aims to learn more about Islamic institutional and development policies in ensuring that the interests of society are aligned with the principles of Shari’a. The method used in this journal is a qualitative approach obtained from the literature of books, articles and the internet and refers to previous research that is collaborated into related discussions so that the author can provide systematic and relevant conclusions. The results of this journal state that institutions and policies have a relationship in development, especially the country’s economy, which is realized through special institutions related to public welfare, such as shari’a banking, shari’a pawn shops, BAZNAS, BMT. In Islam, economic development is not only a physical necessity, but is oriented towards spiritual development through aspects of tawhid, khalifah politics, tazkiyah, and physical development.