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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 44 Documents
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PENGARUH FDR DAN BOPO TERHADAP ROA PADA BANK UMUM SYARIAH (BUS) TAHUN 2019-2022 Hilmi Ismatun Nisa; Isna Imroatul Khusna; Isnaini Khoirunnisa; Johan Dwi Pranata
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 3 No. 1 (2024): January 2024
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/ribhuna.v3i1.2191

Abstract

This research aims to analyze the impact of FDR (Financing to Deposit Ratio) and BOPO (Operating Costs to Operational Income) on ROA (Return Of Assets) in Islamic commercial banks from 2019 to 2022. Through analysis using a quantitative approach, it was found that FDR has negative influence on ROA, indicating that a high financing to deposit ratio can potentially reduce the bank's financial performance. In contrast, BOPO shows a significant positive correlation with ROA, highlighting the importance of operational efficiency in improving financial performance. It was also found that the right balance between high FDR and low BOPO can optimize ROA. These results emphasize the need for careful management of these two factors to improve the financial performance of Islamic commercial banks throughout this period. Further research and continuous monitoring of these dynamics are needed to develop more effective strategies to improve ROA in Islamic commercial banks. Abstrak Penelitian ini bertujuan untuk menganalisis dampak FDR (Financing to Deposit Ratio) dan BOPO (Biaya Operasional terhadap Pendapatan Operasional) terhadap ROA (Return Of Assets) pada bank umum syariah dari tahun 2019 hingga 2022. Melalui analisis dengan pendekatan kuantitatif, ditemukan bahwa FDR memiliki pengaruh negatif terhadap ROA, menunjukkan bahwa rasio pembiayaan terhadap simpanan yang tinggi dapat berpotensi mengurangi kinerja keuangan bank. Sebaliknya, BOPO menunjukkan korelasi positif yang signifikan dengan ROA, menyoroti pentingnya efisiensi operasional dalam meningkatkan kinerja keuangan. Ditemukan juga bahwa keseimbangan yang tepat antara FDR yang tinggi dengan BOPO yang rendah dapat mengoptimalkan ROA. Hasil ini menegaskan perlunya manajemen yang cermat terhadap kedua faktor ini untuk meningkatkan kinerja finansial bank umum syariah sepanjang periode tersebut. Penelitian lebih lanjut dan pemantauan kontinu terhadap dinamika ini diperlukan untuk mengembangkan strategi yang lebih efektif guna memperbaiki ROA pada bank umum syariah.
ANALISIS HUBUNGAN CAR DAN ROA PADA BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) TAHUN 2016-2022 Hardhini Kinanti Rahayu; Hendika Anggara Putra; Irma Porwaning Astuti; Khoirul Mahmudah
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 3 No. 1 (2024): January 2024
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/ribhuna.v3i1.2194

Abstract

Abstract The aim of this research is to examine the relationship between Return on Assets (ROA) and Capital Adequency Ratio (CAR) in Sharia People's Financing Banks for the 2016-2022 period. The type of research that will be used in this research is quantitative research. The data sources used were obtained through searches from Bank Indonesia Sharia Banking Statistics and the Financial Services Authority. This research uses the vector error correction model method for seven years from 2016 to 2022. VECM results. Based on the variance decomposition of CAR, it can be concluded that in the first quarter, CAR fluctuations were caused by shocks from CAR itself, namely 100%. Then starting from the 2-28th quarter, it appears that ROA begins to influence CAR. In the 18th quarter ROA starts to influence CAR by 50.23% (ROA) and is still dominant, namely 49.77% (CAR) and in the 28th quarter the CAR percentage is 42.73% and the remainder is influenced by ROA at 57.27% . VECM Results Based on the variance decomposition of ROA, it can be concluded that in quarters 1 and 2, ROA fluctuations were caused by shocks from ROA itself, namely 100%. Then starting from quarters 1-28, ROA appeared to influence CAR. In the first to last quarter, CAR starts to influence ROA. And in the 28th quarter the CAR percentage was 41.32% and the remainder was influenced by ROA of 58.68%. Abstrak Tujuan penelitian ini adalah untuk menguji hubungan Return on Asset(ROA) dan Capital Adequency Ratio (CAR) pada Bank Pembiayaan Rakyat Syariah periode 2016-2022. Jenis penelitian yang akan digunakan dalam penelitian ini adalah penelitian kuantitatif. Sumber data yang digunakan diperoleh melalui penelusuran dari Statistik Perbankan Syariah Bank Indonesia dan Otoritas Jasa Keuangan. Penelitian ini menggunakan metode vector error correction model selama tujuh tahun dari tahun 2016 sampai dengan tahun 2022. Hasil VECM Berdasarkan dekomposisi varian dari CAR dapat disimpulkan bahwa pada quartal 1, fluktuasi CAR disebabkan oleh goncangan dari CAR itu sendiri yaitu sebesar 100%. Kemudian mulai dari quartal ke 2-28 tampak ROA mulai mempengaruhi CAR. Pada quartal ke 18 ROA mulai mempengaruhi CAR sebesar 50,23%(ROA) dan masih dominan yaitu sebesar 49,77%(CAR) dan pada quartal ke 28 presentase CAR sebesar 42,73% dan sisanya dipengaruhi oleh ROA sebesar 57,27%. Hasil VECM Berdasarkan dekomposisi varian dari ROA dapat disimpulkan bahwa pada quartal 1 dan 2, fluktuasi ROA disebabkan oleh goncangan dari ROA itu sendiri yaitu sebesar 100%.Kemudian mulai dari quartal ke 1-28 tampak ROA mempengaruhi CAR. Pada quartal pertama sampai terakhir CAR mulai mempengaruhi ROA. Dan pada quartal ke 28 presentase CAR sebesar 41,32% dan sisanya dipengaruhi oleh ROA sebesar 58,68%.
PENGARUH NPF DAN FDR TERHADAP PEMBIAYAAN MURABAHAH PADA BUS, UUS, DAN BPRS TAHUN 2021-2022 hanif fithrah awaluddin; Ika Puji Astuti; Intan Permata Elois; Khoirun Ni'mah
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 3 No. 2 (2024): July 2024
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/ribhuna.v3i2.2196

Abstract

Dalam Pembiayaan murabahah terdapat dua faktor yang dapat mempengaruhi yaitu faktor internal dan faktor eksternal, faktor internal merupakan faktor yang bersumber dari bank itu sendiri meliputi, Financing to Deposit Ratio (FDR), dan Non Performing Financing (NPF). Dalam beberapa penelitian terdahulu terdapat perbedaan hasil penelitian, menjadikan penelitian tentang pembiayaan murabahah menarik untuk diteliti kembali. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis regresi data panel dengan tujuan mengetahui pengaruh NPF dan FDR terhadap pembiayaan murabahah pada BUS, UUS, dan BPRS tahun 2021-2022. Hasil penelitian ini menunjukan bahwa NPF dan FDR berpengaruh signifikan pada pembiayaan murabahah.In murabahah financing there are two factors that can influence, namely internal factors and external factors, internal factors are factors sourced from the bank itself including, Financing to Deposit Ratio (FDR), and Non Performing Financing (NPF). In several previous studies there were differences in research results, making research on murabahah financing interesting to be re-examined. This study uses a quantitative approach with a panel data regression analysis method with the aim of determining the effect of NPF and FDR on murabahah financing in BUS, UUS, and BPRS in 2021-2022. The results of this study show that NPF and FDR have a significant effect on murabahah financing.
THE INFLUENCE OF ROA AND THIRD PARTY FUNDING ON SHARIA COMMERCIAL BANK FINANCING FOR THE 2015-2022 PERIOD Helvi Rahayuningtias; Ilham Ainur Ridho; ina restiani; Kholisotun Naviah
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 3 No. 1 (2024): January 2024
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/ribhuna.v3i1.2199

Abstract

Abstract Penelitian ini bertujuan untuk menganalisis pengaruh Return on Assets (ROA) dan Dana Pihak Ketiga terhadap pembiayaan Bank Umum Syariah dalam rentang waktu 2015-2022. Metode yang digunakan adalah Autoregressive Distributed Lag (ARDL) untuk mengetahui pengaruh jangka pendek dan jangka panjang variabel independen terhadap variabel dependen. Data yang digunakan berupa data time series. Dari Pengujian diperoleh hasil bahwa ROA tidak berpengaruh signifikan terhadap pembiayaan, sedangkan DPK berpengaruh signifikan terhadap pembiayaan. Hasil penelitian ini diharapkan dapat memberikan pemahaman yang lebih mendalam mengenai faktor-faktor yang memengaruhi pembiayaan bank umum syariah di Indonesia. Abstract This research aims to analyze the influence of Return on Assets (ROA) and Third Party Funds on Sharia Commercial Bank financing in the 2015-2022 period. The method used is Autoregressive Distributed Lag (ARDL) to determine the short-term and long-term influence of the independent variable on the dependent variable. The data used is time series data. From the testing, the results obtained were thatROA does not have a significant effect on financing, while DPK has a significant effect on financing.It is hoped that the results of this research will provide a deeper understanding of the factors that influence sharia commercial bank financing in Indonesia.
PENGARUH NPF GROSS, ROA, ROE, TERHADAP TOTAL ASET PERBANKAN SYARIAH INDONESIA TAHUN 2020-2021 ilham iklashul amal; Haifa Fitri nur Hafida; Hanun Adzkiya Salsabila; Intan Faradila
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 3 No. 2 (2024): July 2024
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/ribhuna.v3i2.2202

Abstract

This research aims to analyze the impact of NPF (Non Performing Financing), ROA (Return on assets), and ROE (Return on Equity) on total Indonesian sharia banking assets from 2020-2021. Through analysis using a qualitative approach using panel data regression analysis methods, it was found that NPF had a negative effect on total assets, indicating that a high financing to savings ratio could potentially reduce the performance of total banking assets in Indonesia. On the other hand, ROA shows a significant positive correlation with total Islamic banking assets. then the ROE variable has a significant and positive effect on total sharia banking assets. This means that when ROE increases, it is followed by an increase in total sharia banking assets. These results indicate that the ROA, ROE, NPF ratios have a significant effect on total sharia banking assets. Penelitian ini bertujuan untuk menganalisis dampak NPF (Non Performing Financing), ROA (Return on asset), dan ROE (Return on Equity ) pada total aset perbankan syariah Indonesia dari tahun 2020-2021. Melalui analisis dengan pendekatan kualitatif dengan metode analisis regresi data panel, ditemukan bahwa NPF berpengaruh negatif terhadap total asset, menunjukkan bahwa rasio pembiayaan terhadap simpanan yang tinggi dapat berpotensi mengurangi kinerja total asset perbankan di Indonesia. Sebaliknya ROA menunjukkan korelasi positif yang singnifikan terhadap total asset perbankan syariah . kemudian variabel ROE berpengaruh signifikan dan positif terhadap total aset perbankan syariah. Artinya ketika ROE meningkat maka diikuti dengan peningkatan total aset perbankan syariah. Hasil ini menunjukkan bahwa Rasio ROA, ROE, NPF berpengaruh signifikan terhadap total aset perbankan syariah.
STANDAR PELAKSANAAN AKAD MUSYARAKAH DAN PERLAKUAN AKUNTANSI MUSYARAKAH BERDASARKAN PSAK 106 PADA PERBANKAN SYARIAH Balya Rifqi Abd.Wahid; Triya Oftafiana; Binti Nur Aisyah
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 3 No. 1 (2024): January 2024
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/ribhuna.v3i1.2250

Abstract

Abstract Efforts made by Islamic financial institutions in order to eliminate riba are by applying sharia principles and profit-sharing systems. Some of the financing that applies the principle of profit sharing are the contracts of mudharabah, musharakah, muzara'ah and musaqah. The commonly used ones are mudharabah and musharakah. The relationship between Islamic banks and customers in musharakah is a partnership. It is important for Islamic banking to ensure the implementation of contracts in accordance with the standards so that no party is harmed and with Islamic sharia principles. By conducting literature research from various literature, this article aims to present various theories, rules and principles for musharakah. It then explains about the definition of musharakah, the underlying sharia foundation, basis and requirements and types of musharakah. It also explains about the standards of implementation, supervision and risk management of musharakah. Finally, it depicts the accounting treatment of musharakah based on PSAK 106. Keywords: Musyarakah Agreement, Definition of Musyarakah Agreement, Standard of Musyarakah Agreement, Accounting Treatment of Musyarakah Agreement.
PENGARUH CAR DAN FDR TERHADAP NPF PADA BANK MUAMALAT PERIODE 2015-2022 Puteri Nurhafizah Nazwa; Putri Wansendari; Ratna Sari; Rheiza Paramitha Nurzania
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 3 No. 2 (2024): July 2024
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/ribhuna.v3i2.2274

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh rasio keuangan Capital Adequacy Ratio (CAR) dan Financing to Deposit Rati (FDR) terhadap Non Performing Financin (NPF) Bank Muamalat. Penelitian ini berjenis penelitian kuantitatif dengan analisis yang digunakan adalah Error Correction Model (ECM) dengan tingkat signifikansi 5%, dengan melibatkan 32 data triwulan yang diterbitkan oleh Bank Muamalat dari tahun 2015 hingga tahun 2022. Hasil penelitian menunjukkan bahwa dalam jangka panjang CAR dan FDR berpengaruh signifikan terhadap NPF secara simultan. Sedangkan dalam jangka pendek, CAR berpengaruh negatif dan signifikan terhadap NPF, dan FDR tidak berpengaruh terhadap NPF. Untuk dapat menurunkan NPF bank muamalat sebisa mungkin untuk menaikkan presentase CAR dan FDR yang dimiliki.
MENGGAGAS BISNIS SYARIAH MASJID BAWAH TANAH DALAM PERSPEKTIF ISLAM ADISA FARANITA PUTRI; febbiyanti febbiyanti; siti khayis nur
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 3 No. 2 (2024): July 2024
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/ribhuna.v3i2.2484

Abstract

Artikel ini membahas dasar-dasar bisnis dalam Islam dengan melakukan studi kasus terhadap Pariwisata Masjid Bawah Tanah Sidrotul Muntaha di Kecamatan Glenmore. Tujuan dari artikel ini adalah untuk menganalisis konsep-konsep bisnis dalam Islam dan relevansinya dalam pengelolaan pariwisata masjid, serta untuk mengevaluasi dampak positif dari implementasi etika bisnis Islam dalam konteks pariwisata. Metode penelitian yang digunakan adalah kualitatif dengan studi literatur dan studi kasus. Melalui pendekatan ini, artikel ini menguraikan prinsip-prinsip bisnis dalam Islam, seperti keadilan, kejujuran, dan tanggung jawab sosial, serta menjelaskan bagaimana prinsip-prinsip tersebut diaplikasikan dalam pengelolaan pariwisata Masjid Bawah Tanah Sidrotul Muntaha. Kesimpulan dari artikel ini menunjukkan bahwa penerapan etika bisnis Islam dalam pariwisata masjid memiliki dampak positif yang signifikan, termasuk dalam meningkatkan kesejahteraan ekonomi masyarakat lokal, melestarikan lingkungan dan warisan budaya, serta meningkatkan kesadaran spiritual pengunjung.
PENGARUH LITERASI KEUANGAN DAN PROMOSI TERHADAP MINAT MENGGUNAKAN E-WALLET PADA SANTRIWATI MA PUTERI AL-AMIN MARTAPURA Lola Malihah; Namiroh Namiroh; Mukhlis Kaspul Anwar
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 3 No. 2 (2024): July 2024
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/ribhuna.v3i2.2495

Abstract

In line with rapid technological advancements, the use of smartphones has become an indispensable aspect of modern life. Easy internet access through smartphones has opened up signnificant opportunities for the development of e-commerce. To support online shopping activities, digital wallets have emerged as a popular digital payment innovation. This research aims to identify the influence of financial literacy and promotion on the interest in using e-wallet among female student of MA Puteri Al-Amin Martapura. The study employs a quantitative method conducted through field research reserch. Data collected from a questionnaire distributed to 82 female students using a saturated sampling method serve as primary data. The data analysis reveals that financial literacy does not demonstrate a significant influence on the interest in using e-wallets, with a calculated T-value of -0,651< tabulated T-value of 1,664. However, promotion shows a significant influence on the interest in using e-wallets, with a calculated T-value of 9,988 > the tabulated T-value of 1,664. Based on the F-test , the calculated F-value of 52,144 > the tabulated F-value of 3,111, thus is can be concluded that financial literacy and promotion simultaneously influence the interest in using e-wallets. The R2 result of 56,9% indicates that financial literacy and promotion collectively affect the interest in using e-wallets.
FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUASAN DAN DAMPAKNYA TERHADAP LOYALITAS PADA PEMBELIAN PRODUK ES TEH INDONESIA Asfina Safa Maulida
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 4 No. 1 (2025): January 2025
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/ribhuna.v4i1.2538

Abstract

This research aims to evaluate the influence of store atmosphere, product quality, and halal labels on customer loyalty, as well as the mediating role of satisfaction among Indonesian Iced Tea customer on the island of Java. Quantitative methods were used in this research invloving five constructs, and the number of samples used was 253 respondents from Indonesian Iced Tea consumers on Java Island. The sampling technique used was purposive sampling. This research uses the PLS (Partial Least Square) analysis technique, using SmartPLS with inner model and outer model as well as bootstrapping. Testing the hypothesis that store atmosphere variables, product qualitu, and halal labels have a positive and significant effect on customer loyalty through customer satisfaction. The product quality variable has a positive and significant effect on customer loyalty. meanwhile, the store atmosphere and halal label variables do not have a significant effect on customer loyalty.

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