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All Journal Iqtishodia: Jurnal Ekonomi Syariah Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Jurnal Maps (Manajemen Perbankan Syariah) Journal of Shariah Economics
Rais Sani Muharrami
UIN Raden Mas Said Surakarta
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Influence of Capital, Sensitivity, Diversification, Competition and Pandemic on Stability of Islamic Banking Niken Septiani; Fuad Hasyim; Rais Sani Muharrami
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i1.669

Abstract

Banking stability is an essential factor to measure the level of bank health. This study aims to determine the factors that influence the level of stability of Islamic Banking during the COVID-19 pandemic. ZScore provides bank stability measurement. This study uses the panel data regression analysis method with the OLS approach. Data are taken from the financial statement release of Islamic commercial banks from the first quarter of 2018 to the fourth quarter of 2022, using a purposive sampling technique and processed with E-Views 10 statistical application. The number of sampled banks was 10 banks from 13 populations. The panel data regression processing result concluded that the capital variable significantly positively affects bank stability. The sensitivity, diversification, competition, and pandemic variables do not significantly affect bank stability.
Analysis of Early Warning System (EWS) and Risk-Based Capital (RBC) on the Financial Performance of Sharia Insurance Companies Rofi Atun Darojad; Rais Sani Muharrami
Iqtishodia: Jurnal Ekonomi Syariah Vol. 11 No. 1 (2026): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v11i1.2385

Abstract

Maintaining financial performance and public trust is a difficulty for the Islamic insurance sector, especially in light of many company default situations. When evaluating how well Islamic insurance businesses manage tabarru' funds, underwriting surplus is a crucial metric. The purpose of this study is to examine the impact of Risk-Based Capital (RBC) and the Early Warning System (EWS), as represented by the claim expense, retention, and asset liquidity ratios, on the underwriting surplus of Islamic general insurance companies that are registered with the Indonesian Islamic Insurance Association (AASI) for the years 2022–2024. Quarterly data from six Islamic general insurance businesses, three full-fledged general insurance companies and three Islamic unit insurance companies. The study employs a quantitative methodology. The study's findings show that underwriting surplus is unaffected by the retention ratio or the claim expense ratio. On the other hand, underwriting excess is influenced by the asset liquidity ratio and Risk-Based Capital (RBC). All factors have a substantial impact on underwriting surplus at the same time.
Financial Distress Prediction In Bank Muamalat Indonesia: Before And After Analysis of The Controlling Shareholder (PSP) Change Septina Cicik Rohmawati; Rais Sani Muharrami
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol. 11 No. 2 (2026): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v11i2.1751

Abstract

A study aims to analyze and compare financial distress conditions, namely a decline in financial performance before bankruptcy, at Bank Muamalat Indonesia before and after the change of Controlling Shareholder (PSP) by BPKH. The analysis was conducted using the Zmijewski and Grover methods to identify differences in financial distress indicators between periods and compare the sensitivity of the two methods. This study uses a quantitative approach, drawing on secondary data from Bank Muamalat Indonesia's quarterly financial reports covering the period from the first quarter of 2018 to the second quarter of 2025. A normality test was conducted to select the testing method, and the Wilcoxon Signed Rank Test was used to assess the significance of differences between conditions before and after the change in PSP. The results show that, based on the Zmijewski method, indications of financial distress in the period after the PSP change were lower than in the previous period. Meanwhile, the Grover method consistently classified Bank Muamalat Indonesia as non-distressed both before and after the PSP change. These findings indicate differences in financial condition dynamics in the periods before and after the PSP.
The Effect of Green Banking and Financial Performance on The Firm Value in Banks Listed on the Indonesian Stock Exchange Pungki Prastiwi; Rais Sani Muharrami
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 2 (2026)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i2.1897

Abstract

This study investigates the impact of green banking and financial performance on firm value within the banking sector listed on the Indonesian Stock Exchange throughout the 2021-2024 period. A research design based on quantitative methods was employed secondary data obtained through banks' annual and sustainability reports. The empirical analysis was performed using panel data regression with the support of Eviews software. The findings reveal of green banking does not have a statistically significant impact on firm value, suggesting that the disclosure of green banking initiative continues to be perceived as regulatory compliance and has not yet become a key consideration for investors. In contrast, profitability (ROE) and revenue growth have a positive and significant impact on firm value, confirming that investors place greater emphasis on measurable financial performance when assessing banking firms. The evidence imply that green banking have not yet contributed directly enhance firm value due to its regulatory compliance nature, thus requiring more substantive implementation. At the same time, investors continue to prioritize financial performance in firm valuation.
Co-Authors Fuad Hasyim Niken Septiani Pungki Prastiwi Rofi Atun Darojad Septina Cicik Rohmawati