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All Journal Jurnal Ilmiah Ekonomi Islam El-Iqtishady International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Jurnal Intelek Insan Cendikia International Journal of Management, Economic and Accounting Sinergi : Jurnal Ilmiah Multidisiplin
Kiki Hardiansyah Siregar
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Religion Aerospace Engineering Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Social Sciences

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THE EFFECT OF CAR, NIM, BOPO, AND LDR ON ROA IN BUMN BANKS IN THE PERIOD 2013-2022 Agnes Thandania Blessky; Herlin Munthe; Bayu Wulandari; Kiki Hardiansyah Siregar
International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Vol. 1 No. 5 (2023): October
Publisher : ZILLZELL MEDIA PRIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61990/ijamesc.v1i5.103

Abstract

This study aims to see the effect of CAR (Capital Adequacy Ratio), NIM (Net Interest Margin), BOPO (Operating et al.), and LDR (Loan to Deposit Ratio) on ROA (Return on Assets) in BUMN Banks in the period 2013 - 2022. The data source for this research is secondary through the websites of each company listed on the Indonesia Stock Exchange. The population used in this study The population in this study are state-owned banks listed on the Bursa Efek Indonesia (BEI). The sample in this study is the financial statements of state-owned banks, namely Reports on Calculation of CAR, NIM, BOPO, LDR, and ROA financial ratios for 2013-2022, a total of 40 samples. The analysis technique used is R Square analysis and Path Analysis. The results of the study show that NIM and LDR have a positive effect on ROA. CAR and BOPO hurt ROA, while CAR, NIM, BOPO, and LDR affect ROA in R Square.
Analysis Of Exchange Rates And Inflation On Gross Domestic Product In Indonesia Fahrul Yusro Kudadiri; Kiki Hardiansyah Siregar; Dewi Mahrani Rangkuty
International Journal of Management, Economic and Accounting Vol. 3 No. 1 (2025): February 2025
Publisher : Yayasan Multidimensi Kreatif

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Abstract

This study aims to analyze the exchange rate and inflation of Gross Domestic Product in Indonesia. Where there is a Bound Variable, namely Gross Domestic Product and there are two Independent Variables, namely Exchange Rate and Inflation. This study uses secondary data by searching for data through the websites of BPS (Central Statistics Agency) and the World Bank. The data analysis model in this study uses multiple linear regression. The results of the study show that exchange rate variables and inflation have a significant effect on Gross Domestic Product in Indonesia.
Penerapan Akhlak Produsen Muslim dalam Perspektif Etika Bisnis Islam: Upaya Membangun Kepercayaan Konsumen dan Keberlanjutan Usaha Kasmawati; Mahyarni; Kiki Hardiansyah Siregar
El-Iqthisadi Vol 7 No 2 (2025): Desember
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisady.v7i2.61914

Abstract

Abstrak Penerapan akhlak produsen Muslim dalam perspektif etika bisnis Islam sebagai upaya membangun kepercayaan konsumen dan menjaga keberlanjutan usaha. Latar belakang penelitian dari fenomena praktik curang dalam produksi dan pemasaran yang mengabaikan nilai moral demi keuntungan, sehingga menurunkan kepercayaan konsumen. Etika bisnis Islam menekankan prinsip-prinsip keadilan, kejujuran, amanah, transparansi, serta tanggung jawab sosial yang tidak hanya bernilai spiritual, tetapi juga strategis dalam dunia usaha. Metode penelitian ini menggunakan penelitian kepustakaan dengan pendekatan kualitatif, melalui analisis literatur, jurnal, dan karya ilmiah terkait. Hasil penelitian menunjukkan bahwa penerapan akhlak Islami pada produsen berdampak positif terhadap kepercayaan, loyalitas, dan kepuasan konsumen, serta memperkuat reputasi dan daya saing usaha. Sebaliknya, pengabaian akhlak dapat merusak citra dan mengancam keberlanjutan bisnis. Kesimpulannya, penerapan etika bisnis Islam bukan hanya sebagai pedoman moral, tetapi juga sebagai strategi keberlanjutan yang relevan dalam menghadapi tantangan globalisasi dan persaingan pasar Kata Kunci: Akhlak Produsen, Etika Bisnis Islam, Kepercayaan Konsumen, Keberlanjutan Usaha   Abstract This study examines the application of Muslim producers’ ethics within the framework of Islamic business ethics as a strategy to build consumer trust and ensure business sustainability. Fraudulent practices in production and marketing that neglect moral values often reduce consumer confidence. Islamic business ethics emphasizes justice, honesty, trustworthiness, transparency, and social responsibility principles that are both spiritual and strategic. Using a qualitative library research method, this study finds that implementing Islamic ethical values positively influences consumer trust, loyalty, and satisfaction, while enhancing business reputation and competitiveness. Conversely, neglecting ethics undermines public trust and threatens sustainability. Thus, Islamic business ethics functions not only as a moral guideline but also as a strategic approach to face globalization and market competition. Keywords: Islamic Business Ethics, Producer Ethics, Consumer Trust, Sustainability
Konsep Struktur Pasar Menurut Perspektif Ekonomi Islam Dan Implikasinya Terhadap Perekonomian Muhammad Zuhdi Asyrofi; Mahyarni Mahyarni; Kiki Hardiansyah Siregar
Jurnal Intelek Insan Cendikia Vol. 3 No. 1 (2026): JANUARI 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Struktur pasar merupakan salah satu konsep fundamental dalam ilmu ekonomi yang berpengaruh besar terhadap perilaku pelaku usaha, pembentukan harga, distribusi pendapatan, serta tingkat kesejahteraan masyarakat. Dalam ekonomi konvensional, struktur pasar umumnya diklasifikasikan ke dalam pasar persaingan sempurna, persaingan monopolistik, oligopoli, dan monopoli, yang analisisnya lebih menekankan pada efisiensi dan maksimalisasi keuntungan. Namun, pendekatan tersebut sering kali mengabaikan dimensi etika, moral, dan keadilan sosial. Ekonomi Islam hadir sebagai sistem alternatif yang memadukan mekanisme pasar dengan nilai-nilai syariah yang bersumber dari Al-Qur’an, Hadis, dan pemikiran ulama fiqh. Artikel ini bertujuan untuk mengkaji konsep struktur pasar dalam perspektif ekonomi Islam serta menganalisis implikasinya terhadap perekonomian. Penelitian ini menggunakan metode kualitatif dengan pendekatan normatif melalui studi kepustakaan. Hasil kajian menunjukkan bahwa ekonomi Islam tidak menolak mekanisme pasar, tetapi memberikan batasan etis melalui larangan riba, gharar, maysir, tadlis, dan iḥtikār, serta menekankan peran negara melalui institusi hisbah. Penerapan konsep struktur pasar Islam berimplikasi positif terhadap terciptanya keadilan distribusi, stabilitas ekonomi, peningkatan kesejahteraan, dan keberlanjutan pembangunan ekonomi.
Konsep Distribusi dalam Ekonomi Islam : Tinjauan atas Prinsip Keadilan dan Kesejahteraan Sosial Cintia Nurul Lita Br Silalahi; Mahyarni; Kiki Hardiansyah Siregar
Sinergi : Jurnal Ilmiah Multidisiplin Vol. 1 No. 2 (2025): Sinergi: Jurnal Ilmiah Multidisiplin
Publisher : PT. AHLAL PUBLISHER NUSANTARA

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Abstract

This study aims to examine the concept of distribution in Islamic economics with an emphasis on the principles of justice (al-‘adl) and welfare (al-falāh) as well as its relevance to contemporary economic challenges. The research employs a qualitative method with a library research approach by analyzing primary and secondary sources, including the Qur’an, Hadith, classical works, and contemporary scholarly contributions. The findings reveal that distribution in Islam has distinct characteristics compared to capitalism and socialism, as it balances individual ownership, public ownership, and state ownership. The distribution instruments regulated by Sharia include zakat, infaq, sadaqah, waqf, and inheritance, which serve as mechanisms for wealth redistribution, poverty alleviation, and strengthening social solidarity. The application of Islamic distribution principles proves to be highly relevant in addressing modern economic issues such as social inequality, structural poverty, the dominance of interest-based financial systems, and intergenerational sustainability. Thus, distribution in Islam is not merely oriented toward economic efficiency but also prioritizes justice, sustainability, and the welfare of the community. Keywords:  Islamic distribution, justice, welfare, modern economy Abstrak Penelitian ini bertujuan untuk mengkaji konsep distribusi dalam ekonomi Islam dengan menitikberatkan pada prinsip keadilan (al-‘adl) dan kesejahteraan (al-falāh) serta relevansinya terhadap tantangan ekonomi modern. Metode yang digunakan adalah kualitatif dengan pendekatan studi pustaka (library research) melalui analisis literatur primer dan sekunder, termasuk Al-Qur’an, hadis, kitab klasik, dan karya ulama kontemporer. Hasil penelitian menunjukkan bahwa distribusi dalam Islam memiliki karakteristik berbeda dengan kapitalisme maupun sosialisme, karena menyeimbangkan kepemilikan individu, kepemilikan publik, dan kepemilikan negara. Instrumen distribusi yang diatur syariah meliputi zakat, infak, sedekah, wakaf, dan waris, yang berfungsi sebagai sarana pemerataan harta, pengentasan kemiskinan, serta penguatan solidaritas sosial. Penerapan prinsip distribusi Islam terbukti relevan untuk menjawab problematika ekonomi modern, seperti kesenjangan sosial, kemiskinan struktural, dominasi sistem berbasis riba, serta isu keberlanjutan antar generasi. Dengan demikian, distribusi dalam Islam tidak hanya berorientasi pada efisiensi ekonomi, tetapi juga mengedepankan keadilan, keberlanjutan, dan kemaslahatan umat. Kata kunci: distribusi Islam, keadilan, kesejahteraan, ekonomi modern
ETIKA DAN KEPATUHAN HUKUM DALAM PRAKTIK PEMBIAYAAN SYARIAH DI ERA FINTECH M. Ilham; Nurhayati; Muhammad Albahi; Kiki Hardiansyah Siregar
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 06 (2025): JIEI : Vol. 11, No. 06, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i06.18447

Abstract

Abstract The development of financial technology (fintech) has brought significant transformation to the global financial system, including Islamic financing. Digital innovation creates major opportunities to expand access to Sharia-based financial services while also presenting new challenges regarding ethics, legal compliance, and adherence to Islamic principles. This study aims to analyze the relationship between ethics, legal compliance, and the implementation of Sharia principles in fintech-based financing practices in Indonesia. Using a qualitative-descriptive approach within a normative-empirical framework, the research examines regulations issued by the Financial Services Authority (OJK), fatwas of the National Sharia Council–Indonesian Ulema Council (DSN-MUI), and relevant literature on Islamic economics and law. The findings indicate that the integration between ethics and law in Islamic fintech still faces challenges such as regulatory and supervisory gaps. Therefore, an integrated compliance governance framework and the application of maqāṣid al-syarī‘ah principles are needed as the foundation for technological design, ensuring that fintech innovation is not only efficient and legally compliant but also just, ethical, and sustainable. Keywords: Islamic fintech, ethics, legal compliance, maqāṣid al-syarī‘ah
Co-Authors Agnes Thandania Blessky Bayu Wulandari Cintia Nurul Lita Br Silalahi Dewi Mahrani Rangkuty Fahrul Yusro Kudadiri Herlin Munthe Kasmawati M. Ilham Mahyarni - Muhammad Albahi Muhammad Zuhdi Asyrofi Nurhayati