Abdou, Ousmane Salifou
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Revisiting the Nexus among Bank Specific Factors, Macroeconomic Factors, and Islamic Banking Performance: Three Measurement Models Razali, Razali; Haryono, Slamet; Abdou, Ousmane Salifou; Jailani, Munawar Rizki; Imamuddin, Imamuddin
Shirkah: Journal of Economics and Business Vol. 10 No. 1 (2025)
Publisher : UIN Raden Mas Said

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v10i1.748

Abstract

Much of the research on Islamic banking performance relies on conventional metrics rather than Islamic metrics, warranting further exploration. This study provides an empirical analysis of bank-specific and macroeconomic factors on Islamic banking performance from 2016 to 2024 using three measurement models. Monthly data were processed using the ARDL approach and revealed that capital adequacy influences Islamic banking performance in the short term, but has no effect in the long term. Liquidity has an effect only in the long term. Financing Outstanding has a negative effect in the short and long term, while diversification has an effect in the short term but no effect in the long term. Bank size affects performance in the short term, but not in the long term, while macroeconomic factors show an inconsistent relationship. In the IPR model, inflation and exchange rates have no impact in either the short or long term. However, in the ROA and NOM models, these factors affect the long term, but not the short term. This study suggests that banks need to pay attention to financing and exchange rate risks, including the implementation of a strong risk-management system.
Maslahah Mursalah: Pendekatan Alternatif Perbankan Syariah dalam Menyelesaikan Krisis Kemanusiaan Rohingya di Aceh: Maslahah Mursalah: An Alternative Approach for Islamic Banks to Addressing the Rohingya Refugee Crisis in Aceh, Indonesia Jailani, Munawar; Abdou, Ousmane Salifou; Danial; Armanda, Dicky; Mardika, Andi; Isamail, Mohamad Zaim
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 1 (2025): April
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i1.2856

Abstract

The humanitarian crisis for Rohingya refugees in Aceh has reached its worst levels. Various institutions have attempted to address this crisis, including Islamic banks; however, due to regulations and policies, these institutions are limited in their ability to provide further assistance. This article explores the concept of maslahah mursalah as an alternative approach to policymaking that Islamic banks can use to help alleviate the humanitarian crisis affecting Rohingya refugees in Aceh. This research uses a qualitative descriptive approach. Primary data sources include books discussing the interests of two reformers, while secondary data was collected from newspapers, books, and articles examining Islamic banking in Aceh and issues facing the Rohingya community. The findings of this study indicate that: (1) the principle of maslahah is an Islamic principle that can serve as a basis for Islamic banks to develop policies aimed at assisting the Rohingya in Aceh, as this urgent need is not currently being addressed by these banking institutions. (2) The humanitarian crisis of Rohingya refugees in Aceh is considered a necessary need, according to the definitions established by scholars such as Al-Ghazali, Ibn Ashour, and Al-Shatibi. (3) We believe that the humanitarian crisis of Rohingya refugees in Aceh can be addressed by Islamic banks, which include 28 banks — seven Sharia commercial banks, six Sharia business units, and 15 people's credit banks — from corporate social responsibility funds to help 1,104 Rohingya refugees who are sheltered in four locations across Aceh: Bedi, Sabang, North Aceh, and East Aceh.