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All Journal Al Tijarah Masterpiece Journal Society Service Insight
Hanif Ahmadi
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Capital structure, efficiency, and profitability: key drivers of Islamic banking’s financial stability in ASEAN Pungky Lela Saputri; Hanif Ahmadi; Tika Mutiani
Al Tijarah Vol. 11 No. 1 (2025): Al Tijarah l June
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/at.v11i1.14015

Abstract

This study examines the impact of capital structure, operational efficiency, and profitability on the financial stability of Islamic banks in ASEAN from 2020 to 2024. Using panel data regression analysis, the research investigates how the Debt to Equity Ratio (DER), Operational Efficiency Ratio (OER), and Return on Assets (ROA) influence financial stability, measured by the Z-Score. The findings reveal that DER has a negative and significant effect on financial stability, indicating that excessive reliance on debt increases financial risk and reduces the resilience of Islamic banks. Similarly, OER negatively affects financial stability, suggesting that higher operational costs and inefficiencies weaken financial performance. In contrast, ROA positively and significantly contributes to financial stability, as higher profitability strengthens banks’ financial flexibility and ability to absorb economic shocks. These results highlight the importance of maintaining an optimal capital structure, improving cost efficiency, and enhancing profitability to ensure sustainable financial stability. The study provides practical implications for policymakers and Islamic bank managers, emphasizing the need for prudent financial management, technological advancements in cost control, and innovative Shariah-compliant investment strategies to enhance stability in the Islamic banking sector.
The Role of Sharia Bank Green Financing in Improving the Sustainability Performance of MSMEs Pungky Lela Saputri; Hanif Ahmadi
Masterpiece Journal Society Service Insight Vol. 2 No. 1 (2026): February 2026
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/mjssi.v21.494

Abstract

This study investigates the role of Islamic bank green financing in enhancing the sustainability performance of micro, small, and medium enterprises (MSMEs) by integrating external and internal determinants. Specifically, it examines the effects of access to Islamic green financing, Islamic green financial literacy, and environmental commitment on the sustainability performance of culinary MSMEs in Semarang City, Indonesia. Employing a quantitative explanatory research design, primary data were collected from 150 MSMEs selected using the Slovin formula from a population of 240 enterprises. Data were gathered through a structured questionnaire using a five-point Likert scale and analyzed using multiple linear regression. The empirical findings reveal that access to Islamic green financing, Islamic green financial literacy, and environmental commitment each have a positive and statistically significant effect on MSMEs’ sustainability performance, both individually and simultaneously. Among these factors, Islamic green financial literacy emerges as the most dominant determinant, indicating that knowledge and understanding of Sharia-compliant green finance play a critical role in translating financial access into sustainable business practices. The results suggest that the effectiveness of Islamic green financing is not solely dependent on the availability of funds, but also on MSMEs’ financial capabilities and commitment to environmental responsibility. This study contributes to the literature on sustainable Islamic finance by providing empirical evidence from the MSME sector in a developing economy context. Practically, the findings offer insights for Islamic banks and policymakers in designing more inclusive green financing schemes accompanied by financial literacy and environmental capacity-building programs to support sustainable MSME development.
Co-Authors Pungky Lela Saputri Tika Mutiani