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All Journal Airlangga International Journal of Islamic Economics and Finance Jurnal Pemberdayaan Masyarakat Studi Multidisipliner: Jurnal Kajian Keislaman Qoumun: Journal of Social and Humanities
Kamilah, Athia Nur
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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The Effect of Risk on Profitability in Islamic Banking Kamilah, Athia Nur; Rinaima, Chetrine Alya; Fauziyah, Nur; Fitri, Rati Saktia
Studi Multidisipliner: Jurnal Kajian Keislaman Vol 12, No 1 (2025)
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/multidisipliner.v12i1.14740

Abstract

This research focuses on the impact of credit and market risk, capital, and liquidity factors on the efficiency of Islamic banks operating under Government-Linked Companies (GLCs) in Malaysia. Based on Bank Islam Berhad, CIMB Islamic Berhad, and Maybank Islamic Berhad, the study examines how these variables influence profitability, measured by Return on Assets (ROA). Upon dealing with the quantitative approach, the findings contrast the literature in that risk constituents while varied in their significance have an equal significance on overall profitability. This study contributes to the literature on Islamic finance by providing practical recommendations for enhancing risk management and ensuring financial sustainability in the Islamic banking sector.
OPTIMIZING SHARIA INVESTMENT PORTFOLIOS USING MODERN PORTFOLIO THEORY: A CASE STUDY OF ICBP AND SIDO IN INDONESIA STOCK MARKET Rinaima, Chetrine Alya; Fauziyah, Nur; Kamilah, Athia Nur
Airlangga International Journal of Islamic Economics and Finance Vol. 8 No. 02 (2025): July-December 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v8i02.74926

Abstract

This study evaluates the benefits of portfolio diversification by examining the relationship between the returns of Sido Muncul Tbk (SIDO) and Indofood CBP Sukses Makmur Tbk (ICBP) using Modern Portfolio Theory (MPT). Daily closing prices from October 1, 2023, to September 30, 2024, were analyzed. Daily returns were calculated and assessed using descriptive statistics, Pearson correlation, and mean–variance optimization to construct the efficient frontier and identify the optimal allocation. The results show ICBP offers a lower return (6.25%) and lower risk (1.92), while SIDO provides a higher return (7.35%) with slightly higher risk (1.97). Portfolio optimization suggests a 50/50 allocation yields the most balanced outcome, minimizing risk (1.46) while maintaining a solid return (6.80%). The low correlation (0.13) between the two stocks highlights significant diversification benefits. Practical implications include providing Shariah-compliant investors with empirical guidance to build efficient portfolios that balance return and risk. The study is limited by its use of only two stocks and a one-year observation period, which may affect the generalizability of results to broader market conditions. Keywords: Modern Portfolio Theory, Portfolio Optimization, Efficient Frontier, Islamic Investment, Investment Decision-Making
Feasibility Analysis of Gold Pawn Financing under Sharia-Based Good Corporate Governance: Evidence from Bank Syariah Indonesia Kamilah, Athia Nur; Muhammad Iqbal Surya Pratikto; Miftah Hur Rahman ZH
Qoumun: Jurnal Pengabdian Masyarakat Vol 1 No 1 (2025): Qoumun: Journal of Social and Humanities
Publisher : Cv. Kayaswara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65097/qoumun.v1i1.49

Abstract

This study aims to analyze the feasibility assessment of gold pawn financing products and the implementation of Sharia-based Good Corporate Governance (GCG) at Bank Syariah Indonesia, KCP Surabaya Manukan. A descriptive qualitative approach was employed, with data collected through observation, interviews, and documentation. Data analysis involved reduction, presentation, and conclusion drawing. The findings reveal that the bank applies three feasibility indicators: character, capacity, and collateral (assessed through physical testing, chemical testing, and specific gravity testing), while capital and condition of economy are not applied. The implementation of Sharia-based GCG covers transparency, accountability in accordance with relevant laws and DSN-MUI fatwas, and fairness in customer service. However, accountability and professionalism aspects remain suboptimal due to the lack of specialized gold pawn training for staff, despite formal appointment. This condition may pose operational risks to the bank.
Innovation of Islamic Institutions in Managing the Transfer of Property Ownership Based on Sociopreneur Kamilah, Athia Nur; Rinaima, Chetrine Alya; Fauziyah, Nur
Studi Multidisipliner: Jurnal Kajian Keislaman Vol 12, No 2 (2025)
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/multidisipliner.v12i2.17611

Abstract

This study examines the innovation of Islamic institutions in the management of property transfer with a sociopreneurship approach through a case study on As-Salihin Trustee Berhad in Malaysia. The aim of the research is to understand how social responsibility, ethical finance, and innovation are combined to strengthen sharia-based asset governance, as well as identify adaptable models in the inheritance system in Indonesia. The research uses a descriptive qualitative method with a case study design. Data was obtained through in-depth interviews, observations, and document analysis, then analyzed thematically. The results of the study show that As-Salihin implements strict sharia governance through the supervision of the Sharia Council, periodic audits, and technological innovations such as the Digital Faraid Calculator. Public literacy programs also increase public awareness of the importance of ethical estate planning. This study concludes that As-Salihin plays a role as a sociopreneur institution that combines profitability, sharia compliance, and social empowerment. These findings offer a transparent and replicable model of inheritance governance in Islamic asset management institutions in Indonesia.
The Role of the Constitutional Court in Addressing Centralization Allegations: A Syariah Economic Perspective on Baznas' Contribution to Indonesia's Unified Economic System Permana, Yudi; Mulazid, Ade Sofyan; Kamilah, Athia Nur; Pratama, Yoghi Citra; Kurniawan, Muhammad Iman; Zh, Miftah Hur Rahman; Supriyono, Supriyono
Jurnal Pemberdayaan Masyarakat Vol 4, No 4 (2025)
Publisher : Yayasan Keluarga Guru Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46843/jpm.v4i4.639

Abstract

This study provides a comprehensive analysis of the Constitutional Court's role in institutionalizing a centralized governance model for the National Board of Zakat (BAZNAS) and its systemic implications for Indonesia's economic framework from a Shariah economics perspective. By synthesizing extant literature, it elucidates the legal, operational, and philosophical dynamics underpinning BAZNAS’s evolving mandate. Conducted as a Systematic Literature Review (SLR) in accordance with the PRISMA protocol, systematic searches across Scopus and the Watase Uake System identified 95 articles for in-depth thematic analysis. The findings reveal that the centralization of BAZNAS, legitimized by the Constitutional Court’s ruling, establishes a fundamental tension between national administrative efficiency and local philanthropic autonomy. The analysis confirms BAZNAS’s strategic role not only in zakat distribution but also in advancing national objectives of sustainable development and financial inclusion. However, significant governance challenges, particularly regarding transparency and accountability, persistently surface. The research makes a threefold contribution: First, it identifies a critical methodological gap, demonstrating that dominant quantitative approaches have insufficiently captured the qualitative and contextual dynamics behind operational shortcomings. Second, it surfaces underexplored thematic frontiers, notably those of digitalization, technological integration, and BAZNAS’s potential role in global challenges such as climate change. Third, it proposes a structured agenda for future inquiry and practice. The conclusions emphasize the necessity for methodological diversification, comparative international analysis, and deeper investigation into the distributive impacts of centralization and the transformative potential of technology. Practical implications focus on strengthening governance through mechanisms such as blockchain, fostering inter-institutional collaboration, and advocating for more integrative zakat-sector policies. Future research should prioritize rigorous qualitative studies, comparative models, and examinations of BAZNAS’s role in emerging areas such as green finance and the digitalization of Islamic social finance.
Co-Authors Ade Sofyan Mulazid Fauziyah, Nur Fitri, Rati Saktia Miftah Hur Rahman Zh Muhammad Iman Kurniawan Permana, Yudi Pratikto, Muhammad Iqbal Surya Supriyono Supriyono Yoghi Citra Pratama