cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Farid Faisal
Contact Email
arrihlah.febi@unsur.ac.id
Phone
+6285793854848
Journal Mail Official
arrihlah.febi@unsur.ac.id
Editorial Address
Jl. Pasirgede Raya, Bojongherang, Kec. Cianjur, Kabupaten Cianjur, Jawa Barat 43216
Location
Kab. cianjur,
Jawa barat
INDONESIA
Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah
Published by Universitas Suryakancana
ISSN : 27758184     EISSN : 27758176     DOI : 10.35194/arps.v2i1.2323
Core Subject : Economy, Education,
Economics, Econometrics & Finance Education
Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah is an open access peer-reviewed online journal that provides a forum for sharing scientific studies on Islamic finance and banking. Editors welcome articles and research reports that address current issues such as: islamic finance, sharia business, sharia banking and sharia management.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 67 Documents
 3   4   5   6   7 
CREDIT RISK, LIQUIDITY, PROFITABILITY: A REVIEW OF INDONESIAN STATE-OWNED BANKS Djuarni, Wenny
Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Vol 5, No 2 (2025): SEPTEMBER
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35194/arps.v5i2.5736

Abstract

Tujuan penelitian ini adalah untuk mengkaji pengaruh risiko kredit dan tingkat likuiditas terhadap profitabilitas pada sektor perbankan BUMN di Indonesia. Risiko kredit diproksikan dengan Non-Performing Loan (NPL), likuiditas diproksikan dengan Loan to Deposit Ratio (LDR), sedangkan profitabilitas diukur dengan Return on Assets (ROA). Laporan keuangan tahunan perbankan BUMN yang terdaftar di Bursa Efek Indonesia pada periode penelitian menjadi sumber data dalam studi ini. 2019–2023. Metode analisis yang digunakan adalah regresi linier berganda dengan pendekatan kuantitatif. Hasil penelitian menunjukkan bahwa risiko kredit berpengaruh negatif signifikan terhadap profitabilitas, sedangkan likuiditas berpengaruh positif namun tidak signifikan. Temuan ini menegaskan bahwa pengelolaan kredit bermasalah menjadi faktor kunci dalam menjaga kinerja keuangan perbankan BUMN, sementara tingkat likuiditas tidak selalu berdampak langsung terhadap profitabilitas. Penelitian ini memberikan implikasi penting bagi manajemen perbankan dalam merumuskan kebijakan pengelolaan risiko dan strategi peningkatan profitabilitas. The objective of this study is to examine the effect of credit risk and liquidity level on the profitability of state-owned banks in Indonesia. Credit risk is proxied by the Non-Performing Loan (NPL), liquidity is proxied by the Loan to Deposit Ratio (LDR), while profitability is measured by Return on Assets (ROA). The research data were obtained from the annual financial reports of state-owned banks listed on the Indonesia Stock Exchange (IDX) for the 2019–2023 period. The analytical method employed is multiple linear regression with a quantitative approach. The findings reveal that credit risk has a significant negative effect on profitability, whereas liquidity has a positive but insignificant effect. These results emphasize that the management of non-performing loans is a crucial factor in maintaining the financial performance of state-owned banks, while liquidity levels do not necessarily have a direct impact on profitability. This study provides important implications for banking management in formulating risk management policies and strategies to enhance profitability
THE IMPACT OF SUKUK AND ZIS DISTRIBUTION ON INDONESIA’S ECONOMIC GROWTH Dewi, Tini Kusmayati
Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Vol 5, No 2 (2025): SEPTEMBER
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35194/arps.v5i2.5733

Abstract

Penelitian ini memiliki tujuan untuk mencari tahu seberapa besar pengaruh Sukuk dan Penyaluran ZIS terhadap Pertumbuhan ekonomi Tahun 2016-2023. Pada penelitian ini metode yang digunakan ialah metode deskriptif dan asosiatif dengan pendekatan kuantitatif menggunakan data sekunder time series. Serta menggunakan 30 sampel untuk masing-masing variabel. Metode pengumpulan data dilakukan dengan mengakses laporan publikasi oleh Badan Pusat Statistik, Otoritas Jasa Keuangan serta Badan Amil Zakat Nasional. Setelah itu, data yang terkumpul kemudian diproses memakai program analisis SPSS 25. Hasil penelitian menyimpulkan secara simultan variabel sukuk dan penyaluran ZIS memiliki pengaruh yang signifikan pada pertumbuhan ekonomi. Sedangkan secara parsial variabel sukuk memiliki pengaruh yang signifikan pada pertumbuhan ekonomi. Sementara variabel penyaluran ZIS secara parsial tidak mempengaruhi pertumbuhan ekonomi. Nilai R square yang didapat sebesar 0,908, artinya besarnya pengaruh variabel Sukuk dan Penyaluran ZIS terhadap Pertumbuhan Ekonomi yaitu sebesar 90,8%. Sedangkan sisanya yakni 9,2% merupakan pengaruh faktor lain diluar penelitian ini. This study aims to determine the extent to which Sukuk and ZIS (Zakat, Infaq, and Sadaqah) Distribution influence economic growth during the period 2016–2023. The research employs a descriptive and associative method with a quantitative approach using secondary time-series data, consisting of 30 samples for each variable. Data were collected from publicly available reports published by the Central Bureau of Statistics (Badan Pusat Statistik/BPS), the Financial Services Authority (Otoritas Jasa Keuangan/OJK), and the National Zakat Agency (Badan Amil Zakat Nasional/BAZNAS). The collected data were then processed using the SPSS version 25 statistical analysis software. The results reveal that, simultaneously, the variables Sukuk and ZIS Distribution have a significant effect on economic growth. Partially, the Sukuk variable shows a significant positive influence, while the ZIS Distribution variable does not have a significant effect on economic growth. The R-square value obtained is 0.908, indicating that 90.8% of the variation in economic growth can be explained by Sukuk and ZIS Distribution, while the remaining 9.2% is influenced by other factors beyond the scope of this study.
PERCEPTION OF THE PUBLIC TOWARD SHARIA PAWNING (RAHN) PRODUCTS AS A FINANCIAL ALTERNATIVE 'Aliyah, Aghnat
Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Vol. 6 No. 01 (2026): MAY
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

ABSTRACTThis study aims to analyze public perception of Islamic pawn (rahn) products as a financial alternative. The research employs a quantitative approach, with surveys as the primary data collection instrument. The findings reveal that the public perceives Islamic pawn products as a fair and Sharia-compliant solution, especially for those with limited access to conventional financial institutions. Key factors influencing acceptance include public understanding of the rahn concept, trust in Islamic institutions, and operational transparency. This study aims to provide recommendations for Islamic financial institutions to enhance public literacy and trust in rahn as part of financial inclusion. Keywords: Islamic Pawn, Rahn, Public Perception, Financial Alternative, Financial Inclusion
THE EFFECT OF SERVICE QUALITY AND PROMOTION ON THE DECISION TO BECOME A CUSTOMER WITH SATISFACTION AS AN INTERVENING VARIABLE AT BSI KCP MADIUN Maulina, Latiffa Norria; Fitriani, Ajeng Pipit
Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Vol. 6 No. 01 (2026): MAY
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the effect of service quality and promotion on the decision to become a customer at Bank Syariah Indonesia KCP Madiun, with satisfaction as an intervening variable. This research uses a quantitative approach, which emphasizes numerical data measurement and statistical analysis to test hypotheses or answer research questions using a survey method, where data were collected through the distribution of questionnaires to 100 respondents who are customers of BSI KCP Madiun. Data analysis was conducted using multiple linear regression with the help of SPSS software. The analysis procedures include validity testing, reliability testing, classical assumption testing, t-test, F-test, and coefficient of determination (R²). The results show that service quality has a significant effect on the decision to become a customer as well as on satisfaction. On the other hand, promotion has a significant effect on the decision to become a customer but does not affect satisfaction. Furthermore, satisfaction has a significant effect on the decision to become a customer. However, satisfaction is able to mediate the relationship between service quality and the decision to become a customer, but it does not mediate the relationship between promotion and the decision to become a customer.
THE EFFECT OF PRICE FLUCTUATIONS AND SALES PROMOTION ON REPEAT USAGE OF GOLD INSTALLMENT PRODUCTS AT BSI KC MADIUN AGUS SALIM Zaind, Lauh Mahfudha
Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Vol. 6 No. 01 (2026): MAY
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study was conducted at Bank Syariah Indonesia Madiun Branch Office and aims to examine the effect of gold price fluctuations and sales promotion on repeat usage of the gold installment product. The type of research method used is quantitative. The population in this study consists of gold installment customers at BSI Madiun Branch, with the sampling technique using nonprobability sampling, namely saturated sampling. Data were collected through questionnaires. To test and analyze the data, validity and reliability tests, classical assumption tests, regression analysis, coefficient of determination, and hypothesis testing were employed. The results of this study indicate that gold price fluctuations (X1) and promotion (X2) have a partial and significant effect on repeat usage (Y) in the gold installment product.
THE INFLUENCE OF WORK MOTIVATION AND WORK ENVIRONMENT ON EMPLOYEE PERFORMANCE IN THE HF WELDING DEPARTMENT AT PT PRATAMA ABADI INDUSTRI SUKABUMI Dewi, Tini Kusmayati
Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Vol. 6 No. 01 (2026): MAY
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study is motivated by the importance of employee performance in supporting company productivity, particularly at PT Pratama Abadi Industri Sukabumi in the HF Welding department. The indication of declining performance is suspected to be influenced by suboptimal work motivation and work environment. The purpose of this study is to determine the effect of work motivation (X1) on employee performance (Y), the effect of work environment (X2) on employee performance (Y), and the simultaneous effect of both variables on the performance of employees in the HF Welding department. The research method used is a quantitative approach with a survey technique. The population of this study consists of employees in the HF Welding department, with a sample size of 60 respondents. Data were collected through literature study, observation, interviews, and questionnaires. The analysis techniques include classical assumption tests, multiple regression analysis, coefficient of determination test, and hypothesis testing. The results show that work motivation has a significant effect on employee performance with a t-value (14.464 > 2.000) and a significance level of 0.000 < 0.05. The work environment also has a significant effect with a t-value (5.274 > 2.000) and a significance level of 0.000 < 0.05. Simultaneously, work motivation and work environment have a significant effect on employee performance based on the F-test (4.577 > 3.06). The coefficient of determination (R²) value of 0.798 indicates that both variables explain 79.8% of the variation in employee performance, while the remaining 20.2% is influenced by other factors outside this study.
THE EFFECT OF FINANCING QUALITY, OPERATIONAL EFFICIENCY, AND FINANCIAL INCLUSION ON PROFITABILITY WITH SHARIA COMPLIANCE AS A MODERATING VARIABLE Rahmawati, Yunita Zainur
Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Vol. 6 No. 01 (2026): MAY
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to examine the effect of financing quality, operational efficiency, and financial inclusion on profitability with sharia compliance as a moderating variable. Financing quality is proxied by non-performing financing (NPF), operational efficiency is proxied by operating expenses to operating income (BOPO), financial inclusion is proxied by the number of ATMs and the number of branch offices, profitability is proxied by return on assets (ROA), and sharia compliance is proxied by the Islamic income ratio (IsIR). The data collection method uses desk research, with secondary data obtained indirectly from the annual reports of Islamic commercial banks (BUS), publications of the financial services authority (OJK), and supporting literature during the period 2020–2024. The sample consists of eight Islamic commercial banks (BUS) selected using a purposive sampling technique. Data analysis employs descriptive statistical tests, stationarity tests, model feasibility tests, classical assumption tests, hypothesis tests, and moderated regression analysis (MRA), using EViews 12 as the analytical tool. The results show that the NPF variable does not have a significant effect on ROA of Islamic commercial banks, while the BOPO variable and the number of ATMs have a significant negative effect on ROA, and the number of branch offices has a significant positive effect on ROA. Furthermore, the IsIR variable does not moderate the effect of NPF and BOPO on ROA; however, IsIR weakens the effect of the number of ATMs on ROA and strengthens the effect of the number of branch offices on ROA.

Page 7 of 7 | Total Record : 67

 3   4   5   6   7 

Filter by Year

2021 2026


Reset
Filter By Issues
All Issue Vol. 6 No. 01 (2026): MAY Vol 5, No 2 (2025): SEPTEMBER Vol 4, No 2 (2024): SEPTEMBER Vol 4, No 1 (2024): Maret Vol 3, No 2 (2023): September Vol 3, No 1 (2023): Maret Vol 2, No 2 (2022): September Vol 2, No 1 (2022): Maret Vol 1, No 2 (2021): September Vol 1, No 1 (2021): Maret