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All Journal Jurnal Ekonomi Islam Jurnal Ilmu Sosial dan Humaniora Jurnal Ekonomi Islam
Amima, Alda Fildza
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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THE INFLUENCE OF CONSUMPTION LEVELS, INFLATION, CAR, AND BOPO AGAINST PROBLEM FINANCING IN SHARIA COMMERCIAL BANK Amima, Alda Fildza; Khoiriyah, Rahmawati; Shamsuddin, Muhammad Aiman Hakim Bin
Ekonomi Islam Vol. 15 No. 1 (2024): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v15i1.13472

Abstract

The aim of this research is to identify variables that influence Non-Performing Financing (NPF) of sharia banking in Indonesia. Consumption level (GDP), price increase (inflation), capital adequacy (CAR), operating expenses and operating income (BOPO) are the variables used in this research as independent variables. This data was taken from the Sharia Financial Development Report and analyzed using the multiple regression method. The general population in this research is Sharia Commercial Banks registered with the Financial Services Authority (OJK) in 2018-2022, with a total research observation sample of 5 types of Sharia banks, because other categories of Sharia commercial banks do not meet the criteria for this research. The research results show that all variables do not have a significant influence on Non-Performing Financing (NPF) except that the Capital Adequacy Ratio (CAR) has a small influence on Non-Performing Financing (NPF). Previous research explains that capital adequacy (CAR) has a positive and significant effect on non-performing financing (NPF). Meanwhile, this research explains that capital adequacy (CAR) has a negative effect on non-performing financing (NPF).
THE INFLUENCE OF CONSUMPTION LEVELS, INFLATION, CAR, AND BOPO AGAINST PROBLEM FINANCING IN SHARIA COMMERCIAL BANK Amima, Alda Fildza; Khoiriyah, Rahmawati; Shamsuddin, Muhammad Aiman Hakim Bin
Ekonomi Islam Vol. 15 No. 1 (2024): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v15i1.13472

Abstract

The aim of this research is to identify variables that influence Non-Performing Financing (NPF) of sharia banking in Indonesia. Consumption level (GDP), price increase (inflation), capital adequacy (CAR), operating expenses and operating income (BOPO) are the variables used in this research as independent variables. This data was taken from the Sharia Financial Development Report and analyzed using the multiple regression method. The general population in this research is Sharia Commercial Banks registered with the Financial Services Authority (OJK) in 2018-2022, with a total research observation sample of 5 types of Sharia banks, because other categories of Sharia commercial banks do not meet the criteria for this research. The research results show that all variables do not have a significant influence on Non-Performing Financing (NPF) except that the Capital Adequacy Ratio (CAR) has a small influence on Non-Performing Financing (NPF). Previous research explains that capital adequacy (CAR) has a positive and significant effect on non-performing financing (NPF). Meanwhile, this research explains that capital adequacy (CAR) has a negative effect on non-performing financing (NPF).
Perempuan dan Literasi Finansial dalam Rumah Tangga: Sintesis Literatur Gender dan Ekonomi Wahyu Wibowo; Amima, Alda Fildza; Rahmawati, Mega; Raikhana, Ahmad Wildan; Lessy, Najma Arum S
SOSMANIORA: Jurnal Ilmu Sosial dan Humaniora Vol. 5 No. 1 (2026): Maret 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/sosmaniora.v5i1.7354

Abstract

This study examines women’s financial literacy in the household context, highlighting women’s role as key economic agents in managing family finances. Financial literacy is viewed not just as a technical skill but as a social practice shaped by gender relations, cultural norms, and power structures within the household. Women often manage daily budgets, regulate routine expenses, and plan long-term needs, although strategic financial decisions such as investments are still dominated by men. The study finds that women’s financial literacy plays a critical role in enhancing household economic resilience, particularly in the face of economic shocks such as inflation and financial crises. Furthermore, good financial literacy enables women to manage family resources more efficiently, improving the family’s economic welfare and reducing social inequalities. The study also emphasizes the importance of policies that support women’s empowerment through inclusive financial education, to achieve gender equality in household financial management and encourage women’s economic participation in society.
Co-Authors Khoiriyah, Rahmawati Lessy, Najma Arum S Mega Rahmawati, Mega Raikhana, Ahmad Wildan Shamsuddin, Muhammad Aiman Hakim Bin Wahyu Wibowo