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INDONESIA
Journal of Institution And Sharia Finance
Published by Institut Agama Islam Negeri Palopo
ISSN : 26546043     EISSN : 26205130     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Journal Of Institution And Sharia Finance compile writing and research on Islamic financial institutions, Islamic banking, sharia business management, strengthening people's economy, Islamic financial management.
Arjuna Subject : -
Articles 5 Documents
 1 
Search results for , issue "Vol. 8 No. 1 (2025): JUNI" : 5 Documents clear
Transformation of Regional Economic Performance in Indonesia During the COVID-19 Pandemic: A Comparative Analysis of GRDP from 2016 to 2023 Hamzah, Muh. Qardawi; Syahrul; Muhammad, Fadhil
Journal of Institution and Sharia Finance Vol. 8 No. 1 (2025): JUNI
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v8i1.6876

Abstract

The COVID-19 pandemic has caused significant disruptions to the global economy, including Indonesia, as reflected in the fluctuations of Gross Regional Domestic Product (GRDP) across various provinces. This study aims to analyze the differences in provincial GRDP in Indonesia between the pre-pandemic period and the pandemic period (2020–2023) in order to assess the impact of the pandemic on regional economic resilience. A comparative quantitative approach was employed, using the Wilcoxon Signed Rank Test on GRDP data based on constant prices, obtained from Statistics Indonesia (BPS). The analysis revealed a statistically significant difference in GRDP before and during the pandemic (p < 0.001), indicating a substantial economic shock. Sharp declines were particularly evident in provinces reliant on the tourism and manufacturing sectors, while provinces with more diversified economic structures or supported by agriculture exhibited relatively greater resilience. These findings highlight the importance of regional economic diversification and the strengthening of more resilient sectors as key strategies for confronting similar crises in the future.
Market Concentration, Asset Growth, And Islamic Bank Performance In Indonesia: A Panel Data Approach With NPF As Moderator Hamida, Hamida; Indah Lestari, Wini
Journal of Institution and Sharia Finance Vol. 8 No. 1 (2025): JUNI
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v8i1.6967

Abstract

This study aims to determine and analyze the effect of market concentration and asset growth on the financial performance of 9 Islamic banks in Indonesia from 2019 to 2023; market concentration using market share indicators, and financial performance using the Return On Assets (ROA) ratio. The research approach used is a quantitative approach. The type of data used in this study is panel data because this study involves data from 9 Islamic banks over a 5-year period (2019-2023). The data is secondary data taken from the company's financial statements or annual reports, related literature and documentation. The results showed the significance value of market concentration (X1) on ROA (Y) of 0.0719 which is greater than 0.05 or 0.0719> 0.05 and the calculated t value is smaller than the t table, namely 1.8477 < 2.01954, so hypothesis 1 is rejected, meaning that market concentration has no significant effect on Return On Asset. The significance value of asset growth (X2) on ROA (Y) of 0.000 is smaller than 0.05 or 0.000 <0.05 and the t value is greater than the t table, namely 5.5979> 2.01954, so hypothesis 2 is accepted, meaning that asset growth has a significant effect on Return On Asset. The results of NPF (Z) moderation testing, in the first analysis, namely the effect of NPF (Z) on ROA (Y), the results are significant because 0.005 <0.05. The second analysis is the interaction of X1*Z and X2*Z, the results obtained where the significance value of the X1*Z interaction is 0.483> 0.05 (not significant) and the X2*Z interaction value is 0.502> 0.05 (not significant). So it is concluded that NPF (Z) is not able to moderate the effect of market concentration (X1) and asset growth (X2) on ROA (Y).
The Influence of Investment Knowledge, Risk Perception, and Return Expectations on Stock Investment Interest Among University Students. Anwar, Adrianda; Rahayu, Nila; Pradnyani, I Gusti Agung Arista; Genadi, Yeldy Dwi
Journal of Institution and Sharia Finance Vol. 8 No. 1 (2025): JUNI
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v8i1.6968

Abstract

Technological advancements have contributed to the growing participation of the younger generation in stock market investment. This study aims to examine the influence of investment knowledge, risk perception, and return expectations on stock investment interest among students of the Faculty of Economics and Business at the University of Mataram. The research employs a quantitative approach using a survey method. The sample consists of 93 fourth-semester students selected through purposive sampling. Data were analyzed using multiple linear regression with the aid of SPSS software. The results indicate that all three independent variables—investment knowledge, risk perception, and return expectations—have a positive and significant influence on stock investment interest, both simultaneously and partially. Among these, return expectations represent the most dominant factor in shaping investment interest. This study underscores the importance of comprehensive investment literacy in fostering healthy and sustainable investment behavior among the younger generation.
From Servicescape to Loyalty: How Muslim and Non-Muslim Customers Experience Islamic Banking through Strategic Experiential Modules (SEMs) Dakwah, M. Mujahid; Faidal, Faidal; Roodhi, Mohammad Najib
Journal of Institution and Sharia Finance Vol. 8 No. 1 (2025): JUNI
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v8i1.7021

Abstract

The growth of Islamic banking has continued steadily in Indonesia and globally, yet maintaining customer loyalty remains a persistent challenge amid increasing competition from conventional banks and fintech services. This study examines the mediating role of Strategic Experiential Modules (SEMs) in the relationship between servicescape elements such as ambient conditions, layout design, and signs and symbolic design, and customer satisfaction and loyalty in Islamic banking. Employing a comparative and explanatory approach, data were collected from 397 Muslim and non-Muslim customers of Islamic banks in Indonesia using purposive sampling, then analyzed using Partial Least Squares Structural Equation Modeling (PLS SEM). The results indicate that layout and symbolic design significantly influence SEMs, which in turn have a strong positive effect on customer satisfaction and loyalty. Satisfaction also acts as a significant predictor of loyalty. Notably, the SEMs framework proved effective across religious segments, affirming its relevance in both value driven and inclusive service contexts. The study underscores the need for Islamic banks to enhance physical design, symbolic cues, and emotional engagement to deliver more holistic and meaningful service experiences. These findings suggest that integrating experiential strategies with inclusive service principles is essential for building long term customer relationships in Islamic banking.
Impact of Accounts Receivable Write-Off Policy on Stock Fluctuations of State-Owned Bank Companies Rahmawati; Hishaly GH, Nur; Damirah, Damirah; Wahyuni Nur, Sri; Maricar, Rezvanny; Arismunandar, Andi Patotori
Journal of Institution and Sharia Finance Vol. 8 No. 1 (2025): JUNI
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v8i1.6982

Abstract

This study aims to examine the impact of the announcement of debt write-off policy on the abnormal returns of state-owned banking stocks. A quantitative method with an event study approach is employed to analyze market reactions to the announcement. The research sample consists of four state-owned banks listed on the Indonesia Stock Exchange, with stock price data collected from December 29, 2023, to November 19, 2024. The findings indicate a negative impact of the debt write-off policy announcement on the cumulative average abnormal return (CAAR), suggesting that investors perceive the policy as unfavorable. This reaction is associated with potential moral hazard in its implementation. The study underscores the importance of transparency and government assurances regarding financial performance in the context of such policies. It also recommends that financial practitioners consider the implications of policy announcements on stock market reactions. This research contributes to the understanding of market efficiency theory in responding to new information and provides insights for policymakers and investors. Future studies are encouraged to explore long-term impacts and incorporate qualitative approaches or additional variables, such as global economic events, to offer a more comprehensive analysis.

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