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All Journal Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah MALIA: Journal of Islamic Banking and Finance
Fikri, Shofa
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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The Effect of Sovereign Sukuk, DPK, BI Rate, and NIM on Islamic Bank Profitability in Indonesia Fikri, Shofa; Rahmawati, Anita; Afandi, Johan
AL-IQTISHADIYAH : EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH Vol 11, No 1 (2025): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v11i1.18412

Abstract

This study aims to examine the influence of the issuance of Sovereign Sharia Securities (SBSN), Third-Party Funds (TPF), Bank Indonesia’s benchmark interest rate (BI Rate), and Net Return Margin on the profitability of Islamic banks in Indonesia. A quantitative approach is employed, utilizing statistical analysis to measure and test the relationships among variables objectively. The data used are secondary data obtained from the financial reports of Islamic banks and official publications from the Financial Services Authority (OJK), covering the period from 2017 to 2023. This time frame was chosen to provide a comprehensive overview of the trends and developments in the Islamic banking sector over the medium term. The findings reveal that all the variables studied SBSN, TPF, BI Rate, and Net Return Margin have a significant influence on the profitability of Islamic banks in Indonesia. These results highlight the importance of effectively managing these factors to enhance financial performance and competitiveness in a dynamic economic environment.
Competition and Stability in Indonesian Sharia Banking Afandi, Johan; Habibah, Muzayyidatul; Fikri, Shofa; Mabruroh, Siti
MALIA: Journal of Islamic Banking and Finance Vol 9, No 1 (2025): MALIA: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v9i1.32363

Abstract

Discussions about the relationship between competition and stability often lead to two opposing views: competition-fragility and competition-stability, which suggest that competition can either weaken or enhance the stability of the banking system. This study examines the impact of competition and efficiency on the stability of Islamic banks in Indonesia during the period 2021 to 2023, focusing on the use of the Herfindahl-Hirschman Index (HHI) and Boone Index as indicators of competition. Bank stability is measured using the Z-score, which reflects financial strength and the risk of bank insolvency.. This study uses HHI as a measure of market concentration and the Boone Index to assess efficiency in the Islamic banking industry. The analysis results indicate that HHI has a negative effect on the stability of Islamic banks, as measured by the Z-score, supporting the competition-fragility hypothesis. The study concludes that while higher market concentration reduces stability, improved efficiency enhances resilience, suggesting future research should broaden data scope and include external and alternative stability factors.
Co-Authors Afandi, Johan Anita Rahmawati Habibah, Muzayyidatul Mabruroh, Siti