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All Journal El-kahfi : Journal of Islamic economics Jurnal Perbankan Syariah Indonesia (JPSI)
Mustika Sari, Feni
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Economics, Econometrics & Finance Social Sciences

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Determinants of Profitability in BCA Syariah: The Role of NPF, FDR, and DER from 2015-2023 Permatasari, Diah; Wisandani, Iwan; Andani, Listia; Mustika Sari, Feni
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 02 (2025): Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i02.563

Abstract

Islamic banking in Indonesia has shown consistent growth, making profitability a crucial indicator of financial health and competitiveness. This study examines the effect of non-performing financing (NPF), financing-to-deposit ratio (FDR), and debt-to-equity ratio (DER) on return on equity (ROE) at BCA Syariah during 2015–2023. Using a quantitative associative design, we obtained 36 annual observations from financial statements and applied panel regression to evaluate both simultaneous and partial effects. The results indicate that NPF, FDR, and DER jointly influence ROE. Partially, NPF exerts no significant effect, FDR has a significant negative impact, while DER shows a positive but insignificant relationship with ROE. The dominance of FDR highlights the central role of liquidity management compared to credit risk and capital structure.The novelty of this study lies in its contrast with prior findings, where NPF is typically found to significantly reduce profitability. In BCA Syariah’s case, strong risk management and stable financing quality appear to mitigate the adverse effects of NPF, making liquidity pressure (FDR) the primary determinant of profitability. Theoretically, this extends the literature on Islamic banking profitability by showing that the impact of financing risk may be context-specific and shaped by internal bank governance. Practically, the findings suggest that BCA Syariah should continue improving financing quality while prioritizing stricter management of third-party funds, thereby strengthening profitability and enhancing its competitive position in the Islamic banking sector.
KAJIAN PARIWISATA HALAL DALAM PERSPEKTIF ETIKA BISNIS ISLAM Ayu Marliana, Nissa; Rizqi Kurniawan, Akbar; Ginanjar Anggadinata, Rully; Mustika Sari, Feni; Pujiati, Ani
Jurnal Perbankan Syariah Indonesia (JPSI) Vol. 4 No. 2 (2025): September
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) Al-Amar Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57171/jpsi.v4i2.304

Abstract

Penelitian ini bertujuan untuk mengkaji konsep dan implementasi pariwisata halal dari perspektif etika bisnis Islam. Pendekatan kualitatif digunakan untuk memperoleh pemahaman mendalam mengenai nilai-nilai etika, prinsip syariah, dan praktik bisnis yang berlaku dalam pengembangan industri pariwisata halal. Data dikumpulkan melalui wawancara mendalam, studi dokumen, dan observasi lapangan di beberapa destinasi wisata halal. Hasil penelitian menunjukkan bahwa penerapan etika bisnis Islam dalam pariwisata halal tidak hanya berorientasi pada aspek kepatuhan syariah, tetapi juga menanamkan nilai kejujuran, keadilan, dan keberlanjutan yang menjadi bagian integral dari praktik bisnis. Temuan ini menegaskan pentingnya integrasi nilai-nilai etika islam dalam pengembangan pariwisata halal guna menciptakan manfaat ekonomi sekaligus menjaga keberlanjutan moral dan spiritual masyarakat. Penelitian ini diharapkan dapat memberikan kontribusi terhadap pengembangan industri pariwisata halal yang beretika dan berkelanjutan sesuai prinsip-prinsip Islam.
Co-Authors Andani, Listia Ayu Marliana, Nissa Diah Permatasari, Diah Ginanjar Anggadinata, Rully Pujiati, Ani Rizqi Kurniawan, Akbar Wisandani, Iwan