cover
Contact Name
Herlina Yustati
Contact Email
baabu.alilmi@mail.uinfasbengkulu.ac.id
Phone
-
Journal Mail Official
herlina.yustati@mail.uinfasbengkulu.ac.id
Editorial Address
Jl. Raden Fatah, Pagar Dewa Kota Bengkulu 38211 Bengkulu, Sumatra Indonesia
Location
Kota bengkulu,
Bengkulu
INDONESIA
BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
ISSN : 27274163     EISSN : 2654332X     DOI : 10.29300/ba.v9i1.XXX
This journal is an electronic scientific journal focused on advancing knowledge in the fields of Islamic economics and banking. It publishes research articles, theoretical studies, and practical analyses covering topics such as Islamic finance, Islamic banking, halal investment, macro- and microeconomics based on Sharia principles, as well as economic policies aligned with Islamic law. By presenting high-quality scholarly works, Baabu Ilmi aims to serve as a platform for academic discussion and a valuable reference for researchers, academics, practitioners, and policymakers interested in the development of Islamic economics and banking.
Articles 222 Documents
The Impact of Trade openness, Foreign Direct Investment, and Labor on Economic Growth in Indonesia from 2010 -2024 from the Perspective of Maqashid Syariah Nanda Ahmad Maulana; Anas Malik; Taufiqur Rahman
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.11117

Abstract

Penelitian ini bertujuan untuk menganalisis dampak keterbukaan perdagangan, investasi asing langsung (FDI), dan tenaga kerja terhadap pertumbuhan ekonomi Indonesia dari tahun 2010-2024 dari perspektif Maqashid Syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan analisis regresi linier berganda. Data yang digunakan adalah data sekunder yang diperoleh dari Badan Pusat Statistik (BPS) dan Bank Dunia. Teknik analisis meliputi uji normalitas, uji multikolinearitas, uji heteroskedastisitas, uji autokorelasi, uji t, uji f, dan uji koefisien determinasi (R²). Analisis data dilakukan menggunakan perangkat lunak EViews 10. Hasil penelitian menunjukkan bahwa, secara individu, keterbukaan perdagangan memiliki pengaruh positif dan signifikan terhadap pertumbuhan ekonomi, sedangkan FDI dan tenaga kerja tidak memiliki pengaruh signifikan. Namun secara kolektif, ketiga variabel tersebut memiliki pengaruh signifikan terhadap pertumbuhan ekonomi. Nilai Adjusted R² sebesar 0,525 menunjukkan bahwa model tersebut menjelaskan 52,5% variasi pertumbuhan ekonomi. Dari perspektif maqashid syariah, pertumbuhan ekonomi harus berorientasi pada kepentingan umum, keadilan distributif, dan kesejahteraan masyarakat. Oleh karena itu, kebijakan ekonomi perlu diarahkan pada pengelolaan yang optimal dan adil terhadap keterbukaan perdagangan, investasi, dan tenaga kerja.
Pengaruh BOPO, FDR, dan NPF terhadap Kinerja Keuangan Unit Usaha Syariah di Indonesia Periode 2020-2024 Fella Aprilia Herlambang; Gustika Nurmalia
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.10831

Abstract

This study is motivated by the dynamics of the national economy affected by the COVID-19 pandemic and the subsequent economic recovery, which have influenced the performance of the banking sector, including Sharia Business Units (SBUs) in Indonesia. This research aims to analyze the effect of Operating Expenses to Operating Income (BOPO), Financing to Deposit Ratio (FDR), and Non-Performing Financing (NPF) on the financial performance of Sharia Business Units, measured by Return on Assets (ROA), in Indonesian national private banks during the period 2020–2024. The relationship between independent and dependent variables is explained using signaling theory. This study employs a quantitative approach using secondary data obtained from the financial reports of Sharia Business Units. Data analysis techniques include descriptive statistics, classical assumption tests, and panel data regression with 20 quarterly observations. The results show that BOPO has a negative and significant effect on ROA, FDR has a positive and significant effect on ROA, while NPF has a negative but insignificant effect on ROA. Simultaneously, BOPO, FDR, and NPF have a significant effect on the financial performance of Sharia Business Units. These findings indicate that operational efficiency and effective financing distribution play a crucial role in improving the financial performance of SBUs.