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El-Barka: Journal of Islamic Economics and Business
Published by Institut Agama Islam Negeri Ponorogo
ISSN : 26571153     EISSN : 26571862     DOI : -
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
El Barka is a semiannual journal published by the Faculty of Islamic Economics and Business IAIN Ponorogo and cooperate with Ikatan Ahli Ekonomi Islam Indonesia (IAEI). El Barka accepts original scientific writings that have never been published in the field of economics, islamics economics and business, including conceptual thoughts, research reports, case reports, application of theory, critical studies and literature reviews.
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Articles 12 Documents
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Search results for , issue "Vol. 7 No. 1 (2024)" : 12 Documents clear
Synergy Between BPKN and Higher Education Institutions in Consumer Protection Education in the Digital Era Maulidia, Rohmah; Sutopo, Umarwan
El-Barka Journal of Islamic Economics and Business Vol. 7 No. 1 (2024)
Publisher : El-Barka

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Abstract

The rise in consumer transactions in the digital era reflects the increasingly complex dynamics of consumer behavior. However, the Consumer Empowerment Index (IKK) in Indonesia remains relatively low, particularly in the higher education sector. This article aims to analyze the role of the National Consumer Protection Agency (BPKN) and higher education institutions in educating and protecting consumers, using the organizational transformation theory as its framework. This research employs a descriptive qualitative method, utilizing primary data collected through in-depth interviews with key figures from BPKN and consumer protection law lecturers, as well as secondary data from official BPKN documents. The findings reveal that although BPKN has implemented several educational programs in select universities, the involvement of State Islamic Higher Education Institutions (PTKIN) remains minimal. The primary obstacles include a lack of synergy, limited resources, and weak implementation of formal collaborations. Recommendations include strengthening consumer protection curricula, expanding strategic collaborations between BPKN and universities, and developing small claims court mechanisms to facilitate consumer access to dispute resolution. This study emphasizes the need for bureaucratic and educational transformation based on synergy to enhance consumer awareness and empowerment in Indonesia.
The Contribution of Islamic Commercial Banks to Indonesia’s GDP: Evidence from Third-Party Funds and Working Capital Financing Rizal, Fitra; Mukaromah, Haniatul
El-Barka Journal of Islamic Economics and Business Vol. 7 No. 1 (2024)
Publisher : El-Barka

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Abstract

The growth of Islamic banking in Indonesia has continued to increase. Yet, its market share remains relatively small compared to conventional banks, resulting in a suboptimal contribution to the national economy. This study aims to analyze the contribution of Islamic Commercial Banks to Gross Domestic Product (GDP) through Third-Party Funds (DPK) and Working Capital Financing (PMK), with Return on Assets (ROA) as an intervening variable. The study employs a quantitative approach using quarterly secondary data for the 2015–2022 period obtained from the Financial Services Authority (OJK) and Statistics Indonesia (BPS). Data analysis was conducted using multiple linear regression and the Sobel test to examine direct and indirect effects. The findings reveal that DPK has no significant effect on ROA, while PMK significantly impacts ROA. Furthermore, DPK and PMK significantly influence GDP, whereas ROA has no significant impact on GDP and does not serve as an intervening variable. These results highlight that the contribution of Islamic Commercial Banks to economic growth is primarily driven by their financing intermediation function rather than bank profitability.

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