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Nafiah
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INDONESIA
Indonesian Journal of Islamic Economics and Finance
Published by Institut Agama Islam Sunan Giri Ponorogo
ISSN : -     EISSN : 28081102     DOI : https://doi.org/10.37680/ijief
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Indonesian Journal of Islamic Economics and Finance E-ISSN (28081102) is a journal wich is biannually issued and publishes new editions in June and December. The journal publisher is Institut Agama Islam Sunan Giri (INSURI) Ponorogo and managed by Departement of Islamic Economics INSURI. The publication of this journal is tightly-peer with a double bind reviewed process using Open Journal System (OJS) for the magazine. The journal can be accessed openly on the website.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 15 Documents
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Search results for , issue "Vol. 4 No. 2 (2024)" : 15 Documents clear
Evaluation of Financial Performance of PT Waskita Karya Tbk in the Infrastructure Sector: Financial Ratio Analysis 2021-2023 Pahrudin, Asep; Suciati, Ranila
Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.6399

Abstract

This study aims to assess the financial performance of PT Waskita Karya Tbk, a prominent company in the infrastructure sector, over the 2021-2023 period. The evaluation employs a financial ratio approach, including Net Profit Margin (NPM), Return on Equity (ROE), Earnings Per Share (EPS), Price Earnings Ratio (PER), Price to Book Value (PBV), and Debt to Equity Ratio (DER). This approach seeks to provide a comprehensive overview of the company's profitability, market valuation, and solvency. The findings indicate a notable improvement in profitability indicators, particularly in 2023. Market value indicators, such as EPS, also recorded sharp growth, reflecting the company's operational efficiency; meanwhile, PER experienced a significant decline, indicating a rationalization of stock valuations in the market. On the other hand, solvency was reflected in an increase in PBV, although the DER ratio also increased, indicating a greater reliance on debt. Overall, this study concludes that PT Waskita Karya Tbk shows a significant improvement trend in financial performance, especially in profitability and market value. However, better debt management is needed to maintain financial stability.
Uncovering the Complexity of Customer Loyalty in Islamic Banks: The Relationship between Service Quality, Experience, and Brand Image through Customer Satisfaction Laili, Silvia Nur; Hasan, Irmayanti
Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.6486

Abstract

The Islamic banking sector in Indonesia, especially after the merger of Bank Syariah Indonesia (BSI) in 2021, has shown tremendous growth. However, maintaining customer loyalty remains a significant challenge in this competitive landscape, with various factors potentially affecting customer retention in Islamic banking. This study investigates the relationship between service quality, customer experience, and brand image on customer loyalty at BSI KCP Mojokerto Gajah Mada, with customer satisfaction as a mediating variable. This study uses a quantitative approach using a structured questionnaire distributed to 110 customers selected through purposive sampling. Data analysis was conducted using Partial Least Square Structural Equation Modeling (PLS-SEM) to test the direct relationship and mediation effects. The study findings reveal that service quality and brand image directly affect customer loyalty, while customer experience requires the mediation of customer satisfaction to affect loyalty. In particular, service quality is negatively correlated with loyalty when mediated through satisfaction. Customer satisfaction effectively mediates the relationship between brand image and loyalty as well as between customer experience and loyalty. This study demonstrates the complex nature of customer loyalty formation in Islamic banking, suggesting that banks should focus on maintaining consistent service quality while building a strong brand image and positive customer experiences.
Performance Allowance, Organizational Culture, Work Pressure, and Leadership Towards Fraudulent Behavior Daryanto, Daryanto; Pawenang, Supawi; Sarsono, Sarsono
Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.6558

Abstract

This study aims to determine the effect of performance allowances, organizational culture, work pressure, and leadership on fraud. This research was carried out by the KPP Madya Surakarta organization. Over the course of seven months, beginning in January 2024 and ending in July 2024, the study was conducted there. The reason why the researcher determined that the best time to do the investigation was between January and July of 2024. All of the personnel of KPP Madya Surakarta, which amounted to 116 individuals, were included in this study's data collection. The method of sampling that was utilized in this investigation was known as purposive sampling. 58 employees from KPP Madya Surakarta were used as samples for this study. These personnel included all Account Representatives and examiners. When examining the impact of many independent variables on a dependent variable, multiple linear regression analysis was utilized as the method of study. Specifically, to ascertain the degree to which performance allowances, corporate culture, job pressure, and leadership are all closely related to the phenomenon of fraud. Despite the fact that leadership does not have a substantial impact on fraud, the findings of this study indicate that performance allowances, organizational culture, and work pressure all have a favorable and significant impact on the phenomenon of fraud.
Comparative Analysis of Operational and Liquidity Risks of Islamic Banks in the ASEAN Region Using Basel III Wahyudi, Bintang Tri; Zuliansyah, A.; Musthofa, Ujang Hanief
Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.6674

Abstract

This research aims to analyze the differences in operational and liquidity risks of Islamic banks in the ASEAN region based on the Basel III framework. The study employs a quantitative methodology, utilizing the Kruskal-Wallis analysis and Mann-Whitney U test, drawing on financial reports from Islamic banks from 2021 to 2023. Key indicators examined include the Operational Risk Capital Charge (ORCC), Net Stable Funding Ratio (NSFR), and Liquidity Coverage Ratio (LCR). The findings reveal significant differences in the management of operational risk (ORCC) and long-term funding stability (NSFR), while no significant differences were observed in short-term liquidity (LCR). It was noted that predominantly Muslim countries are better equipped to handle operational risks, whereas banks in smaller markets face liquidity challenges. However, the study is limited to Islamic banks in five ASEAN countries and does not consider external variables such as macroeconomic conditions. Overall, these findings contribute to the existing literature on risk management in Islamic banks within the ASEAN region and offer valuable insights for regulators to develop policies tailored to local characteristics.
Analysis of Employee Safety Behavior at PT BTUB to Achieve Zero Workplace Accidents Murtasiyah, Murtasiyah; Sanafi, Muslimin
Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.6712

Abstract

This study explores employee safety behavior at PT BTUB in support of achieving a sustainable zero workplace accident target. Despite successfully reaching this goal in 2022, challenges remain due to persistent unsafe behaviors among employees. Using the Safe Behavior Observation (PPS) tool, the research identifies key areas of unsafe practices, including improper positioning, misuse of tools and equipment, and risky activities during high-hazard tasks. These behaviors were systematically analyzed through a descriptive quantitative approach, integrating observational data and company safety reports. The findings highlight the positive impact of a safety culture fostered through leadership, employee participation, and targeted training programs. However, the study emphasizes the need for continuous improvements in safety practices by enhancing training quality, leveraging technology for real-time safety monitoring, and fostering stronger leadership engagement. By addressing these factors, PT BTUB can further strengthen its safety management system and provide valuable insights for other organizations in high-risk industries. This research underscores the importance of behavioral interventions in creating safer work environments and achieving sustainable safety outcomes.

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