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Riza Faishol
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riezha09@gmail.com
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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 44 Documents
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DAMPAK LITERASI KEUANGAN SYARIAH DAN KEPERCAYAAN TERHADAP KEPUTUSAN MENABUNG DI BANK MUAMALAT KCP STABAT Nurul Nurul; Dinda Syalshabila; Zulham Efendi Nasution; Khairani Khairani; Muhammad Saleh
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2025): July 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.v4i2.3457

Abstract

This study aims to analyze the influence of Islamic financial literacy and trust on savings decisions at Bank Muamalat KCP Stabat. The method used is quantitative research with data collection techniques through the distribution of questionnaires to 78 respondents who are active customers for at least 6 months. The collected data were tested for validity, reliability, normality, multicollinearity, and heteroscedasticity, then analyzed using multiple linear regression with the assistance of statistical software. The results of the study indicate that Islamic financial literacy has a significant positive effect on savings decisions, meaning that the better customers' understanding of Islamic financial principles and products, the higher their tendency to choose Islamic savings. Trust also has a significant positive influence on savings decisions, indicating that customers' confidence in the bank's security, transparency, and compliance with Islamic principles is an important factor in determining their choice. Together, these two variables explain 50.1% of the variation in savings decisions, while the remaining variation is influenced by other factors such as income, education level, and service convenience. These findings have practical implications for Bank Muamalat KCP Stabat to enhance its Islamic financial literacy education programs through outreach, easily understandable information media, and improved service quality to strengthen customer trust. This study is limited to one branch and uses a survey method, so further research is recommended to expand the sample, add related variables, and use a mixed-method approach for more comprehensive results. Keywords: Islamic Financial Literacy, Trust, Savings Decisions
MACAM-MACAM AKAD DALAM PENERAPANNYA PADA LEMBAGA KEUANGAN SYARIAH DI INDONESIA Vera Ayu Oktoviasari; Yuman Firmansyah; Amiruddin Kadir; Syaharuddin Syaharuddin
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2025): July 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.v4i2.3460

Abstract

Islamic Financial Institutions in Indonesia operate based on Islamic sharia principles, which make contracts the primary basis for every financial transaction. A contract is an agreement or agreement between two parties that is legally and sharia-compliant, and serves as the legal basis for economic activities. This study aims to identify various types of contracts used in Islamic Financial Institutions in Indonesia and analyze their practical application in financial products and services. The research method used is a qualitative study with a descriptive analytical approach. Data were obtained through literature studies, DSN-MUI fatwa documentation, and analysis of practices in Islamic banking, BMT, and Islamic Financial Institutions. The results show that Islamic Financial Institutions in Indonesia use various types of contracts, both tabarru' contracts (benevolent/non-profit contracts) such as Wadiah and Qard, and Tijarah contracts (commercial/profit-oriented contracts) such as Murabahah, Ijarah, and Istishna'. The implementation of these contracts is tailored to product characteristics and customer needs. For example, the murabahah contract is widely applied in consumer financing, while the musyarakah and mudharabah contracts are used in productive business financing. The ijarah contract is commonly used in leasing products, and the wadiah contract is applied in checking account savings products. In practice, several challenges remain, such as limitations in the concept of the contract and the need for Sharia principles to prevent practices that approach usury. This research emphasizes the importance of public education regarding Sharia contracts and the need for more accurate Sharia supervision to ensure consistent implementation of contracts in accordance with Sharia principles. With a proper understanding and implementation of contracts, Sharia financial institutions can continue to grow and provide a fair, transparent, and ethical financial alternative in Indonesia. Keywords : Types of Contracts, Implementation, Islamic Financial Institutions.
ANALISIS PENGARUH RASIO KEUANGAN DAN INFLASI TERHADAP PROFITABILITAS BANK PEMBIAYAAN RAKYAT SYARIAH DI INDONESIA PERIODE 2020-2024 Muslimin Muslimin
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2025): July 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.v4i2.3490

Abstract

This study aims to examine the influence of internal and external factors on the profitability of Indonesian Sharia Rural Banks (BPRS). The internal factors used are non-performing financing (NPF), financing to deposit ratio (FDR), capital adequacy ratio (CAR), and operating expenses to operating income (BOPO). Meanwhile, the external factor used is inflation. This is a quantitative study using secondary data in the form of monthly time series data from 2020 to 2024, with the research object being Indonesian Sharia Rural Banks (BPRS). The research method used multiple linear regression analysis. The results show that the non-performing financing (NPF) variable does not have a significant effect on profitability (ROA). Additionally, inflation does not have a significant effect on the profitability of Indonesian BPRS. However, the financing to deposit ratio (FDR) variable has a positive and significant effect on the profitability of Indonesian BPRS. Furthermore, the capital adequacy ratio (CAR) variable has a significant positive effect on the profitability of BPRS Indonesia. The operational cost to operational income ratio (BOPO) variable has a significant negative effect on the profitability of BPRS Indonesia. Keywords : ROA; NPF; FDR; CAR; BOPO; Inflasi
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

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