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All Journal At-Tauzi: Jurnal Ekonomi Islam Airlangga International Journal of Islamic Economics and Finance Diponegoro Journal of Islamic Economics and Business
Masalingi, Abdurrahman
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Economics, Econometrics & Finance

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PENGARUH NON-PERFORMING FINANCING DAN FINANCING TO DEPOSIT RATIO TERHADAP RETURN ON ASSET PADA PERBANKAN SYARIAH INDONESIA 2020-2024 Masalingi, Abdurrahman; Sopingi, Imam; Musfiroh, Anita; K, Kusnul Ciptanila Yuni
Diponegoro Journal of Islamic Economics and Business Vol 5, No 1 (2025): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.25211

Abstract

This study aims to analyze the influence of Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR) on Return on Assets (ROA) in Indonesian Islamic banks during the 2020-2024 period. A quantitative approach was employed using multiple linear regression analysis with secondary data from financial reports of Islamic banks registered with the Financial Services Authority (OJK). The findings reveal that NPF has a significant negative effect on ROA, while FDR does not show a significant influence. These results highlight the necessity of improving financing quality to support Islamic banks' profitability. This study offers insights for Islamic bank management in credit risk management and third-party fund efficiency, while contributing to Islamic finance literature in the post-pandemic era.
Optimalisasi Pemasaran Strategik Melalui Employee Benefit Program :Studi Kasus Bank Muamalat Kcp Batu Di Pesantren Masalingi, Abdurrahman; Haryanti, Peni
At-Tauzi : Jurnal Ekonomi Islam Vol 24 No 1 (2024): Vol 24 No 1 / Juni 2024
Publisher : Pusat Studi Ekonomi Islam Sekolah Tinggi Ekonomi Islam Hamfara

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Abstract: Optimization of Strategic Marketing Through Employee Benefit Programs: A Case Study of Bank Muamalat KCP Batu in Pesantren. This study aims to explore the application of the Employee Benefit Program (EBP) as a marketing strategy at Bank Muamalat KCP Batu, focusing on Islamic boarding schools (pesantren). A case study approach was used to analyze how EBP can strengthen the synergy between the bank and pesantren, enhance customer loyalty, and expand market penetration. The researcher conducted participatory observations during the internship and in depth interviews with Bank Muamalat management and pesantren administrators. The results indicate that EBP has a significant positive impact on customer engagement and loyalty in pesantren. However, the study also identified challenges, such as low financial literacy and limited technological infrastructure in pesantren. Thus, a more segmented and adaptive marketing approach is necessary to address these obstacles. In conclusion, EBP proves to be an effective strategy in increasing financial inclusion within pesantren communities and strengthening the bank’s relationship with religious institutions in Indonesia..
DIGITAL TRANSFORMATION OF ISLAMIC FINANCIAL SERVICES: THE DIRECT IMPACT OF ISLAMIC DIGIBANK AND FINTECH ON TRUST AND INVESTMENT INTEREST Masalingi, Abdurrahman; Sopingi, Imam
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.v8i02.74868

Abstract

This study investigates the influence of Islamic Digital Banking and Islamic Fintech on trust and investment interest, while also testing the mediating role of trust within these relationships. Employing a quantitative approach with path analysis through the Partial Least Squares (SmartPLS) method, the research involved 123 student members of the Islamic Economic Studies Forum (FoSSEI) in East Java as respondents. The results indicate that both Islamic Digital Banking and Islamic Fintech significantly enhance trust and directly increase investment interest, with trust functioning as a crucial mediator that connects the adoption of sharia-based digital financial services with investment behavior among young Muslims. Theoretically, these findings enrich the body of knowledge in Islamic digital finance by illustrating the interaction between technological innovation and spiritual values in shaping financial decision-making, while practically, they provide recommendations for regulators, financial institutions, and fintech developers to prioritize sharia digital literacy and design inclusive, ethical, and youth-oriented financial platforms. Despite these contributions, the study is limited by its relatively small and localized sample and by the use of cross-sectional data, which may restrict the generalizability of results and prevent observation of behavioral changes over time. Accordingly, future research is encouraged to adopt larger and more diverse samples, employ longitudinal or experimental methods, and consider additional variables such as religiosity, literacy, or risk perception to deepen understanding of Islamic digital finance. Overall, the research highlights that trust serves as a strategic cornerstone in linking Sharia-compliant financial technology with sustainable investment participation. Keywords: Investment Interest, Islamic Digital Banking, Islamic Fintech, Path Analysis, Trust
Co-Authors Haryanti, Peni Imam Sopingi Kusnul Ciptanila Yuni K Musfiroh, Anita