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All Journal Justisia Ekonomika Abdimas Indonesian Journal
alfiyan, fri haendid
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Religion Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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THE INFLUENCE OF MACROECONOMIC INDICATORS ON THE PROFITABILITY OF CONVENTIONAL AND ISLAMIC BANKS: AN ISLAMIC ECONOMIC LAW PERSPECTIVE alfiyan, fri haendid; Cahya Lestari, Kurnia; Nasyah Agus Syaputra, Muhammad
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 9 No 2 (2025): Desember 2025
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v9i2.26618

Abstract

This study aims to analyze the influence of macroeconomic indicators, namely inflation, exchange rate, and interest rate (BI Rate), on the profitability of conventional and Islamic banks in Indonesia, viewed through the lens of Islamic economic law. Using a quantitative approach with secondary data from financial reports and macroeconomic sources, the study applies t-tests, F-tests, and multiple linear regression analysis via SPSS 26. The findings reveal that only the BI Rate significantly affects the profitability (ROA) of conventional banks, while all macroeconomic variables show no significant impact on Islamic banks. From the perspective of Islamic economic law, this outcome affirms the inherent stability of Islamic banking principles, which emphasize fairness, risk-sharing, and the prohibition of riba. These principles help insulate Islamic banks from macroeconomic volatility. The results underscore the strategic importance of strengthening the Islamic banking system and integrating sharia-based monetary policies to support a more resilient and equitable financial system in the long term.
Pengenalan Literasi Keuangan Digital Pada Generasi Z di SMK Assa’adah Bungah Gresik Saputra, M. Nasyah Agus; Alauddin, KH. Muhammad; Afrianti, Dwi; Hasanah, Niswatun; Alfiyan, Fri Haendid; Zaytun, Martha Hermina
Abdimas Indonesian Journal Vol. 4 No. 2 (2024)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/aij.1545

Abstract

The rapid development of financial technology has intensified the use of digital financial services among Generation Z. However, this trend is not fully accompanied by adequate financial management capabilities, resulting in a gap between technological access and financial literacy. This community service activity aims to enhance digital financial literacy among twelfth-grade students at SMK Assa’adah Bungah Gresik in order to foster rational, adaptive, and long-term financial behavior. The study employs an educational and participatory approach through the delivery of instructional materials, interactive discussions, and experience-sharing activities involving university students as facilitators of contextual learning. The findings indicate that although students demonstrate a high level of familiarity with digital financial services, their understanding remains largely limited to technical aspects and has not fully encompassed conceptual dimensions such as financial planning and the control of consumptive behavior. Post-activity evaluation reveals an improvement in students’ financial understanding and awareness. These results confirm that the educational and participatory approach is effective in bridging the gap between the use of financial technology and financial management capabilities. Overall, this activity contributes to strengthening the financial readiness of vocational high school students as part of Generation Z in facing the challenges of the digital economy and highlights the importance of developing sustainable, contextual, and experience-based digital financial literacy programs.
Co-Authors Afrianti, Dwi Alauddin, KH. Muhammad Cahya Lestari, Kurnia Nasyah Agus Syaputra, Muhammad Niswatun Hasanah Saputra, M. Nasyah Agus Zaytun, Martha Hermina