Article Per Year (5 Year)
p-Index From 2021 - 2026
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This Author published in this journals
All Journal Iqtishodia: Jurnal Ekonomi Syariah Journal of Shariah Economics
Rais Sani Muharrami
UIN Raden Mas Said Surakarta
Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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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.
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.
Co-Authors Fuad Hasyim Niken Septiani Rofi Atun Darojad