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All Journal Oeconomicus Journal of Economics Journal of Finance, Economics, and Business
Aida, Farchati Umu
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Religion Economics, Econometrics & Finance Environmental Science Social Sciences

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Pengaruh Suku Bunga dan Pembiayaan Bermasalah pada Bank Syariah Aida, Farchati Umu; Yazid, Muhammad
OECONOMICUS Journal of Economics Vol. 8 No. 2 (2024): (June) edisi 16
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/oje.2024.8.2.124-139

Abstract

This journal discusses the influence of interest rates and problematic financing on the performance of Islamic banks in Indonesia. This research uses secondary data from Islamic bank financial reports. Sharia banking in Indonesia is one of the financial sectors that is increasingly developing. As a financial institution based on sharia principles. Islamic banks face risks that can affect their performance. The two main risks faced by Islamic banks are interest rate risk and financing problem risk. Interest rates have a significant influence on the profitability of Islamic banks. The increase in interest rates causes a decrease in the profitability of Islamic banks. Apart from that, problematic financing also has a negative impact on the performance of Islamic banks. The higher the level of problematic financing, the lower the profitability of Islamic banks. The implication of this research is that Islamic bank management needs to improve asset quality and strengthen risk management in order to reduce the negative impact of interest rate fluctuations and problematic financing on the performance of Islamic banks. Good risk management can help banks anticipate and manage the risks they face so that they can minimize their negative impact on bank performance. Apart from that, Islamic bank management also needs to diversify funding sources to reduce ethnic risk
Dynamics of Sharia Economic Development: Halal Industry Product Strategy Aida, Farchati Umu; Imarotul, Salsabila; Khafsoh, Saniatul
Journal of Finance, Economics and Business Vol. 3 No. 1 (2024): JFEB, May 2024
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v3i1.122

Abstract

This article aims to describe how the halal industry strategy has a significant effect on the dynamics of Islamic economic development. Indonesia also has great potential to develop the halal sector. Certainly, Indonesia's large Muslim population has implications related to this huge potential. Due to the large Muslim population, there is a high demand for halal products. The researcher also noted the opportunities and difficulties in developing the halal industry sector in Indonesia. In an effort to provide deeper insight into the issues mentioned above, researchers attempt to conduct an evaluation of the literature pertaining to the research subject
Co-Authors Imarotul, Salsabila Khafsoh, Saniatul Muhammad Yazid