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All Journal Jurnal Dinamika Ekonomi Syariah Best Journal of Administration and Management Priviet Social Sciences Journal Margin : Journal of Islamic Banking
Jhody Wiraputra
UIN Raden Intan Lampung
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Ontological approach in improving Islamic economic literacy Jhody Wiraputra; Yulia Andriani; Palupi Pratiwi; Isti Safira; Madnasir Madnasir; Ruslan Abdul Ghofur
Priviet Social Sciences Journal Vol. 5 No. 12 (2025): December 2025
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v5i12.1137

Abstract

This study examines the role of the ontology approach in enhancing Islamic economic literacy in Indonesia, a strategic effort given the country's low national Sharia Financial Literacy Index, which stood at 43.42% in 2025. Ontology, as a philosophical study of the nature of existence, became the foundation for defining Islamic economics not only as a social science but also as an integral part of Tawheed, in which all economic activity is seen as a mandate from Allah and aims to achieve Falah. This ontological approach is vital because the nature of Islamic Economics is derived from divine revelation, in contrast to conventional economics, which is derived from human thought. Without a deep understanding of this ontological nature, such as the fundamental difference between usury and profit sharing, people tend to equate Shariah products with conventional ones, differing only in their labels. Using a literature study and philosophical content analysis, the study concludes that ontological understanding serves as an epistemological filter that encourages critical thinking, allowing literate individuals to distinguish between renaming and changing the essence. Therefore, ontological integration transforms literacy from surface normative compliance into an authentic systemic and philosophical understanding, which is essential for constructing a just and sustainable Islamic economic system.
ANALISIS PERBANDINGAN KINERJA KEUANGAN, LIKUIDITAS, DAN RISIKO PADA BPRS DAN BPR DI INDONESIA Jhody Wiraputra; Yulia Andriani; Fatih Fuadi; Muhammad Iqbal
MARGIN: Journal of Islamic Banking Vol 6 No 1 (2026): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/margin.v6i1.3788

Abstract

Penelitian komparatif kuantitatif ini bertujuan menganalisis dan membandingkan kinerja keuangan, likuiditas bank, dan risiko pembiayaan antara Bank Pembiayaan Rakyat Syariah (BPRS) dan Bank Perkreditan Rakyat (BPR) di Indonesia selama periode 2020-2024. Data sekunder berupa rasio-rasio keuangan dari seluruh BPRS dan BPR yang terdaftar di OJK  dianalisis menggunakan Uji Mann-Whitney setelah data terbukti tidak berdistribusi normal. Hasil penelitian menunjukkan adanya perbedaan yang signifikan secara statistik antara BPRS dan BPR untuk semua variabel yang diukur, yaitu Kinerja Keuangan, Likuiditas dan Risiko Pembiayaan. Perbedaan signifikan ini menegaskan bahwa filosofi operasional dan kerangka regulasi menciptakan jalur kinerja dan profil risiko yang tidak setara, sehingga disarankan agar regulator seperti OJK mengembangkan kebijakan pengawasan dan mitigasi risiko yang disesuaikan secara spesifik untuk masing-masing model operasional.
The Effect of the Number of Employees and the Number of Offices on the Profitability of Islamic Commercial Banks in Indonesia Yulia Andriani; Leni Riski Hayati; Jhody Wiraputra; Okta Sari
Best Journal of Administration and Management Vol 4 No 2 (2025): Best Journal of Administration and Management
Publisher : International Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/bejam.v4i2.388

Abstract

This study aims to analyze the effect of the number of employees and the number of offices on the profitability of Sharia commercial banks (BUS) in Indonesia for the period 2020-2024. The research method employed is a quantitative approach, utilizing secondary data in the form of monthly time series data sourced from Islamic banking statistics provided by the Financial Services Authority. Data analysis was performed using multiple linear regression with the help of SPSS version 25.0. The results showed that partially, both the number of employees and the number of offices did not have a significant influence on the profitability of Islamic commercial banks in Indonesia. The implications of these findings indicate that physical expansion and increasing the quantity of human resources are no longer the main determinants of profit in the era of digitalization, so bank management needs to switch to operational efficiency strategies and information technology modernization to improve financial performance.
THE YIELD LEVEL OF SHARIA FINANCING AND RELEVANCE TO THE PROFITABILITY PERFORMANCE OF BANK PEREKONOMIAN RAKYAT SYARIAH IN INDONESIA Jhody Wiraputra; Ahmad Habibi; Muhammad Iqbal Fasa
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 1 (2026): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v13i1.1858

Abstract

This study aims to analyze the effect of Mudharabah financing, Musharakah financing, Murabahah financing, and Istishna financing on the profitability of SRB in Indonesia. This type of research uses a quantitative approach. The population of this study is all SRBs in Indonesia registered with the Financial Services Authority (OJK), as many as 173 SRBs. Meanwhile, the samples used in this study were 173 SRBs. The sample selection was based on a sampling technique, namely purposive sampling with two criteria, namely SRB registered with the Financial Services Authority starting from 2020-2024, and SRB that published its financial statements starting from 2020-2024. The results showed that the yield rate of Musharakah and Istishna had a negative and significant effect on the profitability of SRB. In contrast, Mudharabah and Murabahah yield levels showed no significant effect on SRB profitability. And simultaneously, variable yield Mudharabah, Musharakah, Murabahah, and Istishna affect the profitability of the Islamic People's Financing Bank (BPRS) in Indonesia.
Co-Authors Ahmad Habibi Fatih Fuadi Iqbal, Muhammad Isti Safira Leni Riski Hayati Madnasir Madnasir Muhammad Iqbal Fasa Okta Sari Palupi Pratiwi Ruslan Abdul Ghofur Yulia Andriani