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Riza Faishol
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riezha09@gmail.com
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ribhunajournal@gmail.com
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Jl. KH. Hasyim Asy'ari No. 1 Genteng Banyuwangi 68465 Telp. (0333) 845654
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INDONESIA
Ribhuna: Jurnal Keuangan dan Perbankan Syariah
Published by Universitas Islam Ibrahimy Banyuwangi
ISSN : 28294548     EISSN : 28294181     DOI : https://doi.org/10.69552/ribhuna
Core Subject : Economy,
Economics, Econometrics & Finance
Focus and Scope The topics are as follows, but not limited to : - Takaful and Risk MAnagement - Inclusive financial development - Money payment system & Financial Innovation - Islamic pricing risk & Liquidity Management - Economics analysis of Islamic Banking & Finance - Regulation & Stability of Islamic Banking & Finance - Sharia supervisory boards in Islamic Banking & Finance - Product development Islamic Finance institution - Islamic Economics & Finance - Islamic Finance Service - Islamic Ethics and Governance - Islamic Capital Market - Islamic Microfinance - Islamic financing Modes - Islamic Social Finance and other related topics
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 7 Documents
 1 
Search results for , issue "Vol. 5 No. 1 (2026): January 2026" : 7 Documents clear
PENGARUH CAPITAL ADEQUACY RATIO, NON-PERFORMING FINANCING, DAN FINANCING TO DEPOSIT RATIO TERHADAP VULNERABILITY BANK UMUM SYARIAH DI INDONESIA TAHUN 2020–2024 Rafiustha Adi Kusuma; Muhammad Iqbal; Andika Saputra
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 5 No. 1 (2026): January 2026
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/by8mmg86

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR) on the vulnerability of Sharia commercial banks in Indonesia for the period 2020-2024. The main problem studied is the extent to which internal banking factors, especially capital, financing risk, and liquidity, affect the level of vulnerability (vulnerability) of the Islamic banking system as measured using the Z-score approach. This research occupies an important position in filling the gap of empirical studies on the financial stability of Islamic banking through a quantitative approach based on pooled time series (Pooled OLS) data using EViews 13 software. The method used is a quantitative approach with regression analysis techniques pooled time series data (pooled OLS) using software EViews 13. The results showed that CAR and NPF had a positive but not significant effect on vulnerability, while FDR had a negative and significant effect. Simultaneously, the three variables significantly affect the vulnerability of Islamic banks. This result confirms that the stability of Islamic banking is influenced by a combination of capital strength, financing quality, and intermediation efficiency in maintaining financial resilience in accordance with Islamic economic principles.  Keywords : Capital Adequacy Ratio, Non-Performing Financing, Financing to Deposit Ratio, Vulnerability, Islamic Banking
PERAN PASAR LINGSIR WENGI DALAM MENGATASI KETERGANTUNGAN MASYARAKAT TERHADAP BANK PLECIT PERSPEKTIF MAQASHID SYARIAH Purnomo, Hari; Nurul Hidayah; Rahmah Maftuhah Rohman
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 5 No. 1 (2026): January 2026
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/6bjc0516

Abstract

Limited access to formal capital for Micro, Small, and Medium Enterprises (MSMEs) in rural areas often drives dependence on Bank Plecit (informal usurious lenders) with high-interest rates (riba), which structurally damages community economic welfare. This study focuses on analyzing the role and optimalization of the Lingsir Wengi Market program in Temuguruh Village as a community-based initiative to overcome this debt trap, examined through the perspective of the five fundamental principles of Maqashid Syariah. This research employed a qualitative approach with case study and phenomenology designs, where data was collected through participant observation, in-depth interviews, and documentation involving market managers and MSME actors. The main results indicate that the Lingsir Wengi Market plays a critical role in increasing traders' income stability and serves as an effective economic defense mechanism. The market's optimization fundamentally realizes Hifz al-Mal (protection of wealth) through legitimate transactions and Hifz an-Nasl (protection of progeny) through ensuring a decent livelihood, which is this research's significant contribution. The implication is that this sharia-based MSME market model is a practical solution for rural consumer debt issues, requiring institutional strengthening (e.g., access to micro sharia financing) to ensure sustainability. Keywords : Lingsir Wengi Market, Informal Usurious Lender, Maqashid Syariah.
EVALUASI IMPLEMENTASI PRINSIP SYARIAH PADA PRODUK MURABAHAH DAN IMPLIKASIINYA TERHADAP PERLINDUNGAN KONSUMEN DI INDONESIA Rahmawati; Ahmad Ridha Jafar
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 5 No. 1 (2026): January 2026
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/qmcgmm26

Abstract

This study examines the gap between formal sharia principles and murabahah practices in Indonesian Islamic banking and its impact on consumer protection. Empirical findings indicate weaknesses, such as fixed margins that follow conventional interest rates and a lack of contract transparency, which have the potential to lead to hidden usury, customer misunderstanding, and economic injustice. The purpose of this study is to evaluate the implementation of sharia principles in murabahah and its impact on consumer protection. This study uses normative juridical methods, examining the fatwa of the National Sharia Council (DSN MUI) and Islamic banking regulations. The conclusion shows that although the regulatory framework and fatwas have adopted Sharia principles, the practice of murabahah tends to be administrative rather than substantive. Margins are often fixed and follow conventional interest rates, potentially giving rise to “hidden riba” and contradicting the maq??id of Sharia, such as al-?adl (justice) and ?if? al m?l (protection of wealth). Furthermore, contract transparency is often weak, with minimal disclosure of details of the cost price, margin, and payment risks, thus weakening the client's position and legal consumer protection. The novelty of this research lies in the proposal of a fairer ?iw?? (risk and effort compensation)-based margin model that aligns with the maq??id of Sharia, replacing the conventional fixed margin model. The research also recommends reformulating Sharia financial statements to reflect the values ??of the maq??id and making Sharia accounting a substantive oversight tool, rather than a mere formality. In addition, strengthened coordination between banking authorities, the Sharia Supervisory Board, and regulatory institutions is proposed to ensure more effective and sustainable operational oversight and compliance with principles. Keywords: Murabahah Products, Consumer Protection, Implementation of Sharia Principles
PENGARUH LITERASI KEUANGAN SYARIAH, GAYA HIDUP HEDONISME, DAN PINJAMAN ONLINE TERHADAP PERILAKU KONSUMTIF GEN Z KOTA BANDAR LAMPUNG Ferdi, Muhammmad Tri Ferdiansyah; Any, Any Eliza; Ujang, Ujang Hanief Musthofa
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 5 No. 1 (2026): January 2026
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/dshtkc04

Abstract

This study examines the influence of Islamic financial literacy, hedonistic lifestyle, and online loans on the consumptive behavior of Generation Z in Bandar Lampung City. The background of the problem stems from Gen Z's high consumptive tendencies due to digital exposure, low Islamic financial literacy, and easy access to online loans that trigger impulsive purchases. This research aims to analyze the simultaneous and partial influence of these three variables on consumptive behavior and examine consumptive behavior from an Islamic economic perspective. The research method employs a quantitative approach with purposive and accidental sampling techniques involving 100 Gen Z respondents aged 17-24 years. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS 26. The results indicate that simultaneously, Islamic financial literacy, hedonistic lifestyle, and online loans significantly influence consumptive behavior F=11.953. Partially, hedonistic lifestyle t=5.131 and online loans t=3.002 have significant positive effects, while Islamic financial literacy t=-1.039 has no significant effect. The Adjusted R² value of 0.249 indicates that the three variables explain 24.9% of the variation in consumptive behavior. From an Islamic economic perspective, Gen Z's consumptive behavior should be directed toward proportional, halal consumption while avoiding israf and tabdzir in accordance with sharia principles. Keywords: Islamic Financial Literacy, Hedonistic Lifestyle, Online Loans, Consumptive behavior, Generation Z
MENAKAR UNSUR GHARAR DAN MAYSIR DALAM INVESTASI ASET DIGITAL: STUDI HUKUM EKONOMI SYARIAH TERHADAP KRIPTO FAN NFT Rosana, Mayang
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 5 No. 1 (2026): January 2026
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/29wr3679

Abstract

The advancement of digital technology has introduced new financial instruments such as cryptocurrencies and Non-Fungible Tokens (NFTs), which present both investment opportunities and challenges in the context of Islamic legal and ethical frameworks. From the perspective of Islamic economic law, every financial transaction must be free from uncertainty (gharar), speculation (maysir), and usury (riba) to ensure justice and public welfare. This study aims to examine the presence of gharar and maysir elements in digital asset investments and to analyze their compatibility with Islamic economic law and national regulations. The research employs a qualitative descriptive method through a literature review, analyzing scholarly works, the DSN-MUI Fatwa No. 140/DSN-MUI/IX/2021, and relevant legal frameworks such as the Electronic Information and Transactions Law (UU ITE), OJK Fintech regulations, and Bappebti policies. The findings reveal that cryptocurrencies and NFTs may involve gharar due to unclear value and absence of tangible underlying assets, and maysir through speculative trading behaviors resembling digital gambling. Nevertheless, digital asset transactions may be deemed permissible if they ensure transparency, clear utility, and freedom from manipulation and excessive speculation. The harmonization between Islamic economic principles and national law is crucial to ensure legal certainty, consumer protection, and ethical digital investment practices. This study recommends strengthening Islamic financial literacy and regulatory collaboration to build a fair and sharia-compliant digital economy aligned with the objectives of maqasidh al-syariah. Keywords: Digital assets, Gharar and Maysir, Cryptocurrency, NFT, Islamic economic law
PERAN LITERASI KEUANGAN SYARIAH DALAM MEMPERKUAT PENGARUH RELIGIUSITAS ISLAM TERHADAP TINGKAT ADOPSI PERBANKAN SYARIAH DI INDONESIA Setiawan, Nanang; Asih, Thorida Nur; Asas, Fitria; Safrudin, Afif; Sulchan, Moch
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 5 No. 1 (2026): January 2026
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/czjz3z31

Abstract

The development of Islamic banking in Indonesia has demonstrated significant growth; however, its adoption rate remains relatively low despite the country’s predominantly Muslim population. This study aims to examine the role of Islamic financial literacy in strengthening the influence of Islamic religiosity on the level of Islamic banking adoption in Indonesia. The study employs a quantitative research design using a survey approach of 292 Muslim university students who are customers of Islamic banks in Indonesia, with data analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results indicate that Islamic religiosity has a positive and significant effect on the level of Islamic banking adoption. Furthermore, Islamic financial literacy is found to function as a moderating variable that strengthens the relationship between Islamic religiosity and Islamic banking adoption. This study introduces a novel perspective by positioning Islamic financial literacy as a reinforcing mechanism in the relationship between Islamic religiosity and Islamic banking adoption behavior. Theoretically, this study contributes to the Islamic finance literature by enhancing understanding of the interactive role of religiosity and financial literacy in explaining the adoption behavior of Islamic financial services. Practically, the findings provide important implications for Islamic banks and regulators in designing more targeted Islamic financial education and literacy strategies to increase the adoption of Islamic banking in Indonesia Keywords : Sharia financial literacy, Islamic religiosity, Islamic banking adoption
ANALISIS PENGARUH ESG DISCLOSURE, GREEN FINANCING, DAN KINERJA SAHAM TERHADAP PREFERENSI INVESTOR (STUDI PADA SAHAM SYARIAH YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2019-2024) Rista, Nur Rista; Any Eliza; Anggun Okta Fitri
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 5 No. 1 (2026): January 2026
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/0n8j4538

Abstract

Abstract This study aims to analyze the effect of Environmental, Social, and Governance (ESG) Disclosure, Green Financing, and stock performance on investor preferences in Sharia-compliant stocks listed on the Indonesia Stock Exchange (IDX) during the 2019–2024 period. The study adopts a quantitative approach using secondary data obtained from companies’ annual reports and sustainability reports, as well as capital market data sourced from the IDX, the Financial Services Authority (OJK), Yahoo Finance, and RTI Business. The research sample consists of 20 Sharia-compliant listed companies selected through a purposive sampling method, resulting in 120 panel data observations. Data analysis was conducted using multiple linear regression with the assistance of SPSS Statistics 25. The results indicate that ESG Disclosure and Green Financing have a positive but insignificant effect on investor preferences, while stock performance has a negative and insignificant effect. Simultaneously, the three variables do not have a significant effect on investor preferences, with a coefficient of determination (R²) value of 0.001. These findings suggest that investor preferences in Sharia stocks in Indonesia are not yet primarily influenced by sustainability and financial performance factors, but are more affected by other aspects such as Sharia compliance, risk perception, market sentiment, and investor behavior. Keywords: ESG Disclosure, Green Financing, Stock Performance, Investor Preference, Sharia Stocks.

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