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All Journal Al-Iqtishod : Jurnal Ekonomi Syariah Mutanaqishah: Journal of Islamic Banking
Sania Nuraziza
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Economics, Econometrics & Finance

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The Impact of Financial Risk, Liquidity Risk, and Operational Risk on Islamic Rural Bank Performance Nita Gustiyana; Sania Nuraziza
Mutanaqishah: Journal of Islamic Banking Vol. 5 No. 2 (2025): July - December
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v5i2.2825

Abstract

Purpose – This study aims to analyze the effect of the application of financing risk management, liquidity, and operations on the performance of Sharia Rural Banks (SRB) in Bandar Lampung from 2014 to 2024. Methodology – Type of data in this study using quantitative methods in the form of secondary data from the financial statements of the Sharia Rural Banks contained in the entire city of Bandar Lampung to obtain data from Bandar Lampung Islamic Bank PT. BPRS Bandar Lampung and PT BPRS Mitra Agro Usaha.  The nature of explanatory research. The population in this study comprises all Sharia Rural Banks in Lampung from 2014 to 2024. The sampling method is saturated sampling.  The method of data analysis used in this study is multiple linear regression analysis, utilizing SPSS software. Findings – The results showed that simultaneously variable Financing Risk, Liquidity Risk, and Operational Risk significantly affect the profitability of Sharia Rural Banks in Bandar Lampung. Implications – SRB management can use the research findings to identify areas of weakness in the application of financing, liquidity, and operational risk management. This will help them devise more effective risk mitigation strategies. Originality – Sharia Rural Banks, in achieving their profitability, will undoubtedly face various risks; risk management is a crucial filter in identifying, measuring, monitoring, and controlling the course of the bank's business activities. Risks that occur will cause losses to the bank if not detected and managed correctly, so the bank must implement effective risk management.
Determinasi Faktor-Faktor Makroekonomi Terhadap Suku Bunga (BI) di Indonesia Dalam Perspektif Ekonomi Islam Tahun 2003-2024 Menggunakan Model VECM Viska Rahmawati; Asriani; Sania Nuraziza
Al-Iqtishod : Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Al-Iqtishod: Jurnal Ekonomi dan Bisnis Islam
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Sunan Kalijogo Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/iqtis.v7i2.4462

Abstract

Penelitian ini menganalisis determinasi faktor-faktor makroekonomi terhadap suku bunga Bank Indonesia periode 2003-2024 dalam perspektif ekonomi Islam. Penelitian kuantitatif ini menggunakan metode Vector Error Correction Model (VECM) dengan variabel cadangan devisa, nilai tukar, dan pertumbuhan ekonomi sebagai determinan suku bunga. Hasil penelitian menunjukkan bahwa dalam jangka panjang, pertumbuhan ekonomi berpengaruh positif dan signifikan terhadap suku bunga (t-statistik 4,13 > 2,10). Sebaliknya, cadangan devisa (t-statistik 0,90 < 2,10) dan nilai tukar (t-statistik 1,83 < 2,10) tidak berpengaruh signifikan terhadap suku bunga dalam jangka panjang. Dari perspektif ekonomi Islam, penelitian ini juga menganalisis bahwa suku bunga merupakan manifestasi praktik riba yang dilarang dalam syariah. Sistem keuangan Islam menawarkan alternatif melalui prinsip bagi hasil (mudharabah), jual beli (murabahah), dan sewa (ijarah) yang menekankan keadilan distributif, berbagi risiko proporsional, dan keberkahan, bukan hanya keuntungan materi yang pasti seperti dalam sistem suku bunga konvensional.
Co-Authors Asriani Nita Gustiyana Viska Rahmawati