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All Journal Jurnal Ilmiah Ekonomi Islam Journal of Innovative and Creativity
Ainiah, Pocut
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Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Pengaruh Faktor Internal Dan Faktor Eksternal Terhadap Non Performing Financing (NPF) Pada Pembiayaan Bank Umum Syariah Ainiah, Pocut; Sriyana, Jaka
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11901

Abstract

This research aims to analyze the influence of internal factors and external factors of Sharia Commercial Banks on the NPF for murabahah financing, NPF for musyarakah financing, NPF for mudharabah financing, NPF for ijarah financing, NPF for istishna financing, and NPF for qardh financing. The research method used is quantitative research using secondary data from Bank Muamalat Indonesia, Bank BCA Syariah, Bank Panin Syariah, Bank Bukopin Syariah, Bank Mega Syariah, and Bank Victoria Syariah, all of which are the results of financial reports published by the OJK during the quarterly period. 1 of 2013 to the fourth quarter of 2022. The results of this research are that internal factors and external factors have an influence on NPF in murabahah, musyarakah and istishna financing in sharia commercial banks. Meanwhile, the NPF for mudharabah, ijarah and qardh financing is not influenced by internal and external factors in Islamic commercial banks.
Tantangan Dan Peluang Digitalisasi Lembaga Keuangan Syariah Di Era Revolusi Industri 4.0 Ainiah, Pocut
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.4254

Abstract

Revolusi industri 4.0 membawa perubahan signifikan dalam sistem keuangan global, termasuk bagi lembaga keuangan syariah. Transformasi digital menjadi kebutuhan strategis agar lembaga keuangan syariah tetap kompetitif, efisien, dan relevan di tengah kemajuan teknologi finansial (fintech). Penelitian ini bertujuan untuk menganalisis tantangan dan peluang yang dihadapi lembaga keuangan syariah dalam proses digitalisasi. Metode penelitian yang digunakan adalah studi literatur dengan pendekatan kualitatif deskriptif. Hasil penelitian menunjukkan bahwa digitalisasi menghadirkan peluang besar dalam peningkatan inklusi keuangan, efisiensi operasional, dan transparansi sistem keuangan syariah. Namun, terdapat pula tantangan berupa keterbatasan infrastruktur digital, literasi teknologi yang rendah, serta perlunya kepastian hukum dan fatwa syariah yang mengatur inovasi keuangan digital. Penelitian ini menegaskan pentingnya sinergi antara regulator, industri, dan masyarakat dalam mempercepat transformasi digital keuangan syariah yang sesuai dengan prinsip-prinsip Islam.
Pengaruh Faktor Internal Dan Faktor Eksternal Terhadap Non Performing Financing (NPF) Pada Pembiayaan Bank Umum Syariah Ainiah, Pocut; Sriyana, Jaka
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11901

Abstract

This research aims to analyze the influence of internal factors and external factors of Sharia Commercial Banks on the NPF for murabahah financing, NPF for musyarakah financing, NPF for mudharabah financing, NPF for ijarah financing, NPF for istishna financing, and NPF for qardh financing. The research method used is quantitative research using secondary data from Bank Muamalat Indonesia, Bank BCA Syariah, Bank Panin Syariah, Bank Bukopin Syariah, Bank Mega Syariah, and Bank Victoria Syariah, all of which are the results of financial reports published by the OJK during the quarterly period. 1 of 2013 to the fourth quarter of 2022. The results of this research are that internal factors and external factors have an influence on NPF in murabahah, musyarakah and istishna financing in sharia commercial banks. Meanwhile, the NPF for mudharabah, ijarah and qardh financing is not influenced by internal and external factors in Islamic commercial banks.
Co-Authors Jaka Sriyana