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This Author published in this journals
All Journal Mutanaqishah: Journal of Islamic Banking
Any Eliza
State Islamic University of Raden Intan Lampung, Indonesia
Economics, Econometrics & Finance

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Influence of Loans on Total Assets, Return on Equity, and Inflation on Islamic Banks’ Capital Buffer Elfa Duwina; Any Eliza; Nur Wahyu Ningsih
Mutanaqishah: Journal of Islamic Banking Vol. 6 No. 1 (2026): January - June
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v6i1.3183

Abstract

Purpose – This study aims to examine the influence of Loans to Total Assets (LOTA), Return on Equity (ROE), and Inflation on the Capital Buffer Methodology – This study employs a quantitative approach, utilizing a causal associative study and multiple linear regression as its analytical methods. The data used are secondary data sourced from Islamic banking statistics for the period from January 2020 to December 2024. The analytical tool used in this study is Eviews 10. Findings – The results show that Loans to Total Assets (LOTA) has no significant effect on the Capital Buffer. Return on Equity (ROE) has no significant effect on the Capital Buffer. Inflation has no significant effect on the Capital Buffer. Implications – The results of this study provide recommendations for each bank. They can be used by bank management to inform decisions on asset and capital management strategies to maintain financial stability amid fluctuating inflation. Originality – Providing insight into the importance of financial management, this research is original because it combines factors that have not been widely discussed in the context of Islamic banks in Indonesia, thereby making a new contribution to the literature and practice of the Islamic banking industry.
Islamic Economic Perspective on Islamic Bank Employee Loyalty: The Role of Competence, Motivation, and Reputation Cindi Safitri; Any Eliza; Is Susanto
Mutanaqishah: Journal of Islamic Banking Vol. 6 No. 2 (2026): July - December
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v6i2.3512

Abstract

Purpose – This study aims to analyze the influence of competence, motivation, and reputation of the company on the loyalty of employees of Bank Syariah Indonesia (BSI) KCP Belitang Sudirman from the perspective of Islamic Economics. Methodology – This study uses a quantitative approach, grounded in positivism, employing census sampling (total sampling) of 67 staff and leaders at Bank Syariah Indonesia (BSI) KCP Belitang Sudirman as respondents. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4 software. Findings – The results showed that only the motivation variable had a positive and significant effect on loyalty, whereas the company's competence and reputation did not have a significant effect. This indicates that employee loyalty is driven more by the fulfillment of material and spiritual needs (motivation) than by technical ability or the institution's big name. Implications– This finding suggests that management needs to strengthen the reward system and the Islamic work environment to maintain employee compliance with the contract, given that, from an Islamic perspective, loyalty is a mandate rooted in emotional and spiritual attachment to the organization. Originality– This research contributes novelty by integrating the variables of motivation, competence, and reputation of the company in one structural model to test employee loyalty at the sub-branch office level of Islamic banking, which is analyzed comprehensively through the lens of the values of trust and sanctity of the contract from the perspective of Islamic Economics.
Co-Authors Cindi Safitri Elfa Duwina Is Susanto Nur Wahyu Ningsih