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All Journal Bulletin of Islamic Economics Sunan Kalijaga: Islamic Economics Journal
budi sekaringsih, riswanti
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Economics, Econometrics & Finance Social Sciences

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The Role of Profit-Sharing Ratio, Sharia Financial Market Securities, and Covid-19 in Influencing Third Party Funds of Islamic Banking in Indonesia Qurrota, Saidah; budi sekaringsih, riswanti
Bulletin of Islamic Economics Vol. 4 No. 1 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/bie.2025.041-02

Abstract

This study aims to analyze the influence of Profit Sharing Ratio (Nisbah), Sharia Money Market Securities (SBPU Syariah), and the Covid-19 pandemic on Islamic banking Third Party Funds (DPK) in Indonesia. The data used is a monthly time series secondary data from January 2018 to December 2023 consisting of 72 observations, obtained from OJK Sharia Banking Statistics. The analysis methods used were multiple linear regression and quadratic functional form regression with the application of STATA. The results of the study show that the variables of Profit Sharing Ratio and Sharia Money Market Securities (SBPU Syariah) have a positive and significant effect on Third Party Funds. However, the relationship between the Ratio and the Third Party Funds is non-linear, where the increase in the ratio to a certain point encourages the growth of the Third Party Fund, but will decrease after passing the optimal point. Meanwhile, the Covid-19 dummy variable also has a positive and significant influence on Third-Party Funds, showing that during the pandemic people tend to increase their deposits in Islamic banking.
Impact of Islamic Economic Growth, Financial Literacy, and Inflation on Gini Ratio in Indonesia (2013-2023) Abizar Al-Ghiffari, Hadraji Mufti; Budi Sekaringsih, Riswanti
Sunan Kalijaga: Islamic Economics Journal Vol. 4 No. 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/skiej.2025.4.2.2588

Abstract

This study aims to analyze the effect of Islamic economic growth, financial literacy, and inflation on income inequality in Indonesia as measured by the Gini Ratio during the period 2013-2023. The method used is multiple linear regression and quadratic regression to identify the non-linear relationship between the independent variables and the Gini Ratio. The results show that financial literacy has a significant negative effect on income inequality, while inflation shows no significant effect. Islamic economic growth shows an inverted U shape quadratic relationship, which means that initially an increase in Islamic economic growth increases inequality, but after a certain point it decreases it. These findings suggest the importance of improving people's financial literacy and strengthening an inclusive Islamic economy to promote equitable income distribution in Indonesia.
Co-Authors Abizar Al-Ghiffari, Hadraji Mufti Qurrota, Saidah