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All Journal Indonesian Journal of Law and Economics Review Indonesian Journal of Education Methods Development Indonesian Journal of Innovation Studies
Rahmawati , Imelda Dian
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Computer Science & IT Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice

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Key Drivers of Profitability in Indonesian Sharia Banks: Faktor Utama Profitabilitas Bank Syariah di Indonesia Septiani, Neli; Rahmawati , Imelda Dian
Indonesian Journal of Law and Economics Review Vol. 19 No. 4 (2024): November
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijler.v19i4.1278

Abstract

Background: The banking sector significantly contributes to Indonesia's economic growth, with profitability serving as a key measure of performance and credibility, particularly in sharia banking. Knowledge Gap: Despite the importance of factors like Financing to Deposit Ratio (FDR), Operating Expense to Operating Income (BOPO), and Non-Performing Financing (NPF), their combined impact on profitability in Islamic banking remains underexplored. Aims: This study examines the influence of FDR, BOPO, and NPF on the profitability of Indonesian sharia banks. Methods and Results: Using data from 11 sharia banks listed on the Indonesian Stock Exchange (2018–2022) and multiple linear regression analysis, the study finds FDR and NPF have no significant effect, while BOPO negatively impacts profitability, emphasizing the importance of operational efficiency. Novelty and Implications: This study highlights the critical role of prudential and efficient financial management in Islamic banking, offering insights for enhancing profitability and resilience in Indonesia's sharia banking sector. Highlight : BOPO significantly impacts profitability, highlighting the need for operational efficiency in sharia banking. FDR and NPF show no significant influence on profitability, indicating other factors may play a role. Prudential financial management is crucial for enhancing resilience and growth in Islamic banks Keywords: Sharia banking, profitability, FDR, BOPO, NPF
Murabahah and Entrepreneurial Factors Driving MSME Growth in Sidoarjo: Murabahah dan Faktor Kewirausahaan yang Mendorong Pertumbuhan UMKM di Sidoarjo Susetyo, Qotrunnada Aisyah Mega; Rahmawati , Imelda Dian
Indonesian Journal of Innovation Studies Vol. 26 No. 2 (2025): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijins.v26i2.1806

Abstract

General background: Micro, Small, and Medium Enterprises (MSMEs) are vital drivers of Indonesia’s economic resilience, particularly in sustaining employment and regional income distribution. Specific background: Despite their contribution, many MSMEs in Sidoarjo struggle to grow due to limited access to capital, weak entrepreneurial characteristics, and inadequate marketing strategies. Knowledge gap: Previous studies rarely integrated Islamic financing instruments, entrepreneurial behavior, and marketing strategies in one comprehensive model to explain MSME growth. Aims: This study aims to examine how Murabahah contracts, entrepreneurial characteristics, business capital, and marketing strategies contribute to MSME development in Sidoarjo Regency. Results: Using multiple linear regression with 62 food and beverage MSME respondents, all four variables showed a significant positive relationship with MSME growth. Novelty: The integration of Murabahah financing within a holistic model of MSME development demonstrates how Islamic economic values strengthen business sustainability. Implications: The findings emphasize the importance of syariah-based financial accessibility, improved entrepreneurial competence, and adaptive marketing strategies to enhance local economic empowerment. Highlights: Murabahah financing fosters sustainable MSME growth. Entrepreneurial character strongly supports competitiveness. Marketing innovation enhances regional economic resilience. Keywords: Murabahah, Entrepreneurial Characteristics, Business Capital, Marketing Strategy, MSME Development
Sharia Financial Instruments and Banking Roles in Strengthening Financial Deepening: Instrumen Keuangan Syariah dan Peran Perbankan dalam Menguatkan Pendalaman Keuangan Rulitasari, Shindy Gresilya; Rahmawati , Imelda Dian
Indonesian Journal of Innovation Studies Vol. 26 No. 2 (2025): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijins.v26i2.1812

Abstract

General Background: Financial deepening serves as an essential indicator of a nation’s financial system maturity, reflecting its ability to channel funds efficiently to drive sustainable economic growth.Specific Background: In Indonesia, the Sharia financial sector—through instruments such as sukuk and Islamic banking—has grown significantly, providing alternative channels for liquidity and capital distribution.Knowledge Gap: Despite this growth, comprehensive empirical studies integrating both Sharia capital market and banking variables in assessing financial deepening remain scarce.Aims: This study investigates the roles of corporate sukuk, state sukuk, third-party funds, and financing from Islamic banks in strengthening financial deepening in Indonesia from 2017 to 2020.Results: Using multiple linear regression analysis, findings indicate that all four variables positively and significantly contribute to financial deepening, demonstrating the vital role of Islamic finance in national liquidity expansion.Novelty: The study integrates dual-sector variables—Sharia capital market and banking—into a unified model, offering a holistic view of Indonesia’s Islamic financial ecosystem.Implications: Results underscore the necessity for policymakers to optimize Sharia-based instruments to improve liquidity, promote financial inclusion, and sustain economic resilience. Highlights: Sharia finance strengthens Indonesia’s financial depth through sukuk and banking. Dual-sector integration provides a broader analytical perspective. Findings guide policy development for sustainable financial systems. Keywords: Islamic Finance, Sukuk, Sharia Banking, Financial Deepening, Indonesia
Digital Marketing Drives MSME Sales Growth in Indonesia: Pemasaran Digital Dorong Pertumbuhan Penjualan UMKM di Indonesia Sulistiyowati, Elik; Rahmawati , Imelda Dian
Indonesian Journal of Law and Economics Review Vol. 19 No. 2 (2024): May
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijler.v19i2.1090

Abstract

This study investigates the impact of marketplace effectiveness, social media use, and promotional activities on the sales of Micro, Small, and Medium Enterprises (MSMEs) in Sidoarjo District. Using primary data from 67 MSME actors selected through simple random sampling, we applied descriptive statistical analysis, validity and reliability tests, classical assumption tests, multiple linear regression analysis, and t-tests with SPSS version 26. The findings reveal that effective marketplace utilization, strategic social media use, and targeted promotions significantly enhance MSME sales. These insights suggest that MSMEs should leverage digital tools and strategic marketing to improve their sales performance. Highlights: 1. Marketplaces and social media boost MSME sales.2. Proper promotions increase sales performance.3. Digital tools are essential for MSME growth. Keywords: MSMEs, marketplace effectiveness, social media, promotion, sales growth
Unlocking Small Business Growth Strategies for Success in Indonesia: Mengungkap Strategi Pertumbuhan Usaha Kecil untuk Sukses di Indonesia Rochani, Oktavia Siti; Pradhana, Muhammad Farid Fathul Huda; Ramadhin S, Ede; Zahrina A, Nilamsari; Haris, Abdul; Rahmawati , Imelda Dian
Indonesian Journal of Law and Economics Review Vol. 19 No. 3 (2024): August
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijler.v19i3.1139

Abstract

This study analyzes the development strategy of "Kenangan Fried Chicken," a small business in Sidoarjo Regency. Using qualitative research and a phenomenological approach, data were gathered through interviews, observations, and SWOT analysis. The findings highlight that product quality, marketing, and competition are crucial for growth. Strengths include a strategic location, while weaknesses involve limited capital. High community enthusiasm presents opportunities, but competition poses a threat. Recommended strategies include improving product quality, diversifying the menu, and enhancing marketing efforts to boost business competitiveness and sustainability. Highlights: Strategic Location: Prime spot in a residential area near main road. Marketing Importance: Essential for growth and overcoming competition. Capital Constraints: Major weakness hindering business sustainability. Keywords: small business development, Kenangan Fried Chicken, qualitative research, SWOT analysis, marketing strategy
Masterplan for Developing Human Capital of Tahfizh Teachers at Daarul Qur'an: Rencana Pengembangan Sumber Daya Manusia Guru Tahfizh di Daarul Qur'an Cahyono, Teguh Catur; Rahmawati , Imelda Dian
Indonesian Journal of Education Methods Development Vol. 19 No. 4 (2024): November
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijemd.v19i4.852

Abstract

This research explores the development of human capital for Tahfizh teachers at Pesantren Tahfizh Daarul Qur’an in Malang, East Java, addressing the unique qualifications required for these educators. While general teachers must possess pedagogical competence as mandated by law, Tahfizh teachers must also attain core competencies related to the memorization of the Quran, underpinned by traditional knowledge and lineage known as Sanad Al-Qur'an. The study employs a qualitative, descriptive-explorative design to analyze the master plan for human capital development. The findings reveal a structured approach to enhancing Tahfizh teachers' competencies, encompassing pedagogical, social, personal, and professional aspects. The development process is organized into three stages: improving reading (tahsinul qiro'ah), strengthening memorization (itqonul hifzh), and acquiring the Quranic sanad from historical figures. By establishing quality standards for Tahfizh teachers' human capital, this research aims to elevate the quality of Tahfizh education, thereby positively influencing the overall performance of the institution. The study underscores the importance of specialized training for Tahfizh teachers in contributing to effective Quranic learning environments. Highlights: Unique Competencies: Tahfizh teachers require both pedagogical skills and Quranic memorization expertise, emphasizing the need for specialized training. Structured Development: The human capital development plan includes three stages: improving reading, strengthening memorization, and acquiring the Quranic sanad. Performance Enhancement: A focus on quality standards for teachers aims to improve Tahfizh education and overall institutional performance. Keywords: Tahfizh, Sanad, Human Capital, Education, Competencies
Co-Authors Abdul Haris Cahyono, Teguh Catur Pradhana, Muhammad Farid Fathul Huda Ramadhin S, Ede Rochani, Oktavia Siti Rulitasari, Shindy Gresilya Septiani, Neli Sulistiyowati, Elik Susetyo, Qotrunnada Aisyah Mega Zahrina A, Nilamsari