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All Journal Best Journal of Administration and Management KENDALI: Economics and Social Humanities Priviet Social Sciences Journal Margin : Journal of Islamic Banking
Yulia Andriani
UIN Raden Intan Lampung
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.
Challenges of Sharia Compliance Audits in Islamic Banking: An Analysis of Fintech Developments in Indonesia Yulia Andriani; Ahmad Habibi; Muhammad Iqbal Fasa
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.v4i2.373

Abstract

Digital transformation has encouraged Islamic banking in Indonesia to integrate financial technology (Fintech) to improve efficiency and competitiveness. This study aims to examine the application of fintech in Islamic banking, its impact on sharia compliance, and evaluate the effectiveness of supervision in the digital age. This study uses a library approach with qualitative content analysis, as well as the theoretical framework of diffusion of innovation and Islamic financial law. The study found that although Fintech facilitates the implementation of Sharia principles through profit-sharing/buying and selling schemes and contract transparency, there are tensions between digital automation and Sharia accountability that could potentially lead to violations of Islamic principles if oversight is not strict. Therefore, the study concludes that there is an urgent need to develop a digital Sharia audit framework that is capable of performing a Sharia-compliant test directly on the system's source code, as well as encouraging collaborative innovation to embed compliance tools into the core of the technology.
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.
KONTRIBUSI USHUL FIQH TERHADAP TANTANGAN KEUANGAN SYARIAH Yulia Andriani; Moh. Bahrudin; Syamsul Hilal
KENDALI: Economics and Social Humanities Vol. 4 No. 2 (2025): KENDALI: Economics and Social Sciences Humanities, November 2025
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i2.1010

Abstract

Penelitian ini bertujuan untuk menganalisis kontribusi Ushul Fiqh terhadap tantangan yang dihadapi oleh keuangan syariah kontemporer. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan jenis kajian pustaka (literature review) dan analisis konten (content analysis) dari berbagai sumber terpercaya seperti buku dan jurnal ilmiah. Hasil penelitian menyimpulkan bahwa Ushul Fiqh memiliki peran fundamental dan tak tergantikan sebagai landasan metodologis dan teoritis dalam pengembangan ekonomi syariah modern. Ushul Fiqh memungkinkan para cendekiawan dan praktisi untuk merumuskan hukum syar’i atas isu-isu baru yang belum ada pada masa klasik, sehingga berfungsi sebagai kompas moral dan intelektual di era globalisasi dan digitalisasi. Kontribusi utamanya diwujudkan melalui legalisasi dan inovasi produk keuangan yang kompleks, seperti Structured Repackaged Ijarah Asset (SRIA), dengan memastikan kepatuhan terhadap larangan riba, gharar, dan maysir. Selain itu, Ushul Fiqh memfasilitasi regulasi proaktif terhadap teknologi keuangan (FinTech) syariah melalui kaidah Maslahah Mursalah. Kaidah-kaidah Ushuliyyah, seperti "Al-Ashlu fil Asyya' al-Ibahah" (asal segala sesuatu itu boleh) dan kaidah Maslahah, memberikan dasar hukum untuk menilai kehalalan instrumen keuangan baru, memastikan sistem keuangan syariah tetap efisien dan kompetitif tanpa mengorbankan integritas syariah. Dengan demikian, Ushul Fiqh memberikan kerangka yurisprudensi yang kokoh untuk memastikan pasar modal syariah tidak hanya efisien tetapi juga etis dan adil.
Co-Authors Ahmad Habibi Fatih Fuadi Iqbal, Muhammad Isti Safira Jhody Wiraputra Leni Riski Hayati Madnasir Madnasir Moh Bahrudin Muhammad Iqbal Fasa Okta Sari Palupi Pratiwi Ruslan Abdul Ghofur Syamsul Hilal