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Agus Hidayat
Institut Bunga Bangsa Cirebon
Economics, Econometrics & Finance

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Maqashid Sharia-Based Performance dan Sharia Governance pada Bank Umum Syariah di Indonesia Rudi Ferdiansah; Agus Hidayat; Feri Hardiyanto
Cakrawala Repositori IMWI
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

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This research is motivated by the importance of measuring the performance of Islamic Commercial Banks (BUS) which is not only oriented towards profitability, but also on the implementation of the principles of Maqashid al-Syariah and good sharia governance. The study aims to analyze the effect of Maqashid Sharia-Based Performance (MSI) and Sharia Governance Index (SGI) on the financial performance of BUS in Indonesia for the period 2019–2024. The study uses a quantitative approach with a panel data Fixed Effects method on 8 BUS with a total of 48 bank-year observations. The analysis was conducted using Driscoll-Kraay robust standard errors to address heteroscedasticity and autocorrelation. The results show that MSI, SGI, and the MSI×SGI interaction have a positive and significant effect on Return on Assets (ROA). In addition, ESG Score, bank size, and CAR have a positive effect, while NPF and BOPO have a negative effect on ROA. These findings indicate that the integration of Maqashid Sharia principles and strong sharia governance can improve the profitability and sustainability of BUS. This research provides practical implications for regulators and management of Islamic banks in developing a more comprehensive sharia-based performance evaluation system.
Peran Islamic Banking Digitalization terhadap Financial Inclusion dan Loyalitas Nasabah Muslim Feri Hardiyanto; Agus Hidayat; Rudi Ferdiansah; Mohamad Maulana Ridzki
Cakrawala Repositori IMWI 16-27
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

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This study investigates the role of Islamic Banking Digitalization (IBD) on Financial Inclusion (FIN) and Customer Loyalty (LOY) among Muslim bank customers in West Java, with Customer Trust (TRUST) as a mediating variable. Employing a Partial Least Squares Structural Equation Modeling (PLS-SEM) approach on 150 respondents selected through purposive sampling, results reveal that IBD (? = 0.312; p < 0.001), FIN (? = 0.278; p < 0.001), and their interaction IBD×FIN (? = 0.187; p = 0.003) positively and significantly affect customer loyalty. TRUST exerts the strongest direct effect on LOY (? = 0.423; p < 0.001) and partially mediates both IBD ? LOY and FIN ? LOY pathways (indirect ? = 0.167 and 0.144; p < 0.001). The model explains 68.47% variance in loyalty (R² = 0.6847). Findings underscore that Sharia-compliant digital banking services, integrated with financial inclusion strategies, are critical drivers of Muslim customer loyalty when underpinned by institutional trust and Islamic financial literacy.
Co-Authors Feri Hardiyanto Mohamad Maulana Ridzki Rudi Ferdiansah