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Riza Faishol
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riezha09@gmail.com
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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 54 Documents
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FORMULASI CUSTOMER ENGAGEMENT BERBASIS ISLAMIC SERVICE EXCELLENCE, EMOTIONAL ATTACHMENT, DAN EXPERIENTIAL VALUE TERHADAP LOYALITAS NASABAH SYARIAH Indra; Fitri Fitri; Ela Laela Ela; AMNA AMNA; Dipa Teruna Awaludin Dipa
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 5 No. 2 (2026): July 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/xqfyh287

Abstract

This study aims to analyze the influence of Islamic Service Excellence, Emotional Attachment, and Experiential Value on Sharia Customer Loyalty in the Islamic banking industry in Indonesia. This study employed a quantitative approach using Structural Equation Modeling Partial Least Square (SEM-PLS). The research sample consisted of 325 active Islamic bank customers selected using purposive sampling techniques. Data collection was conducted through questionnaires based on a five-point Likert scale. Data analysis was performed using SmartPLS 4 through outer model and inner model testing, including validity, reliability, R-Square, Q-Square, effect size, bootstrapping, and hypothesis testing. The results indicate that Islamic Service Excellence has a positive and significant effect on Sharia Customer Loyalty. Emotional Attachment is proven to be the most dominant variable affecting customer loyalty. Furthermore, Experiential Value also positively influences Sharia Customer Loyalty. This study contributes theoretically to the development of customer engagement based on Islamic values and provides practical implications for Islamic banks in improving customer loyalty through Islamic service quality, emotional relationships, and valuable service experiences. Keywords: Islamic Service Excellence, Emotional Attachment, Experiential Value, Loyalitas Nasabah Syariah, Customer Engagement
PENGARUH CAPITAL ADEQUACY RATIO (CAR) TERHADAP NET OPERATING MARGIN (NOM) DENGAN NON PERFORMING FINANCING (NPF) SEBAGAI VARIABEL INTERVENING PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2022-2024 Aies Apriliza Seventin; Muhammad Ziyan El Haq; Ranti Novanda Eka Prawesti; Diah Ayu Anis Wulandari; Desti Tampi Prabowo; Achmad Miftachul Huda
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 5 No. 2 (2026): July 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: 10.69552/7dcbbq72

Abstract

The Islamic banking industry in Indonesia shows promising growth, reflected in asset expansion and increased public trust in sharia-based financial systems. This study examines the effect of Capital Adequacy Ratio (CAR) on Net Operating Margin (NOM) with Non-Performing Financing (NPF) as an intervening variable in Indonesian Islamic Commercial Banks (Bank Umum Syariah/BUS) during 2022–2024. Using a quantitative associative-causal design with secondary data from 36 monthly observations sourced from OJK publications, the study employs simple linear regression, multiple linear regression, and path analysis. Assessment of classical regression assumptions comprising normality, multicollinearity, heteroscedasticity, and autocorrelation tests were all fulfilled. Results indicate that CAR has a significant negative effect on NPF (t = –8.082; Sig. = 0.000), CAR has a significant positive effect on NOM (t = 5.988; Sig. = 0.000), and NPF has a significant positive effect on NOM (t = 4.008; Sig. = 0.000). Path analysis reveals that NOM significantly mediates the relationship between CAR and NPF, with the indirect effect (–4.148) exceeding the direct effect (–1.035). These findings confirm that capital adequacy affects financing quality through the channel of operational profitability. Keywords:Capital Adequacy Ratio, Net Operating Margin, Non-Performing Financing, Islamic Banking, Path Analysis.
PERENCANAAN KOMBINASI KEUANGAN: INTEGRASI KEPUTUSAN FINANSIAL SESUAI DENGAN PRINSIP SYARIAH Jessika Gafur; Rika Dwi Ayu; Sudirman
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 5 No. 2 (2026): July 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/zmbq5p29

Abstract

The Islamic financial system is a financial framework founded on the principles of the Qur'an and the Sunnah, aiming to promote justice, balance, and blessings in economic activities. Integrated Islamic financial planning has become an essential concept in modern financial management as it combines various financial decisions, including investment, financing, asset and liability management, risk control, and profit distribution in accordance with Islamic principles. This study aims to explain the concept of integrated financial planning from an Islamic perspective and its implementation in corporate financial management. The research employs a literature review method by examining various sources related to Islamic finance and Sharia financial management. The findings indicate that the Islamic financial system prohibits practices such as riba (usury), gharar (excessive uncertainty), maysir (gambling), and israf (extravagance), as these contradict the principles of justice and public welfare. In practice, the integration of Sharia-compliant financial decisions is carried out through Islamic contracts, including mudharabah, musyarakah, murabahah, ijarah, salam, and istisna'. Beyond profit maximization, Islamic financial planning also seeks to enhance social welfare through trustworthy, transparent, and productive fund management. Therefore, the implementation of integrated Islamic financial planning is expected to establish a fair, sustainable, and ethically responsible business system that brings benefits and blessings to all stakeholders. Keywords: Islamic Financial Planning, Integrated Financial Decision-Making, Islamic Finance, Sharia Investment, Sharia Financial Management.
LABUH NYINGKAL, TRADISI BUDIDAYA PADI MASYARAKAT ADAT OSING SEBAGAI LANDASAN PENGEMBANGAN EKONOMI AGRARIS DALAM PERSPEKTIF MAQĀṢID AL-SYARĪ'AH Hari Purnomo
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 5 No. 2 (2026): July 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/hmqha860

Abstract

This study examines the Labuh Nyingkal tradition in the rice cultivation practices of the Osing community as a foundation for the development of an agrarian economy from the perspective of Maqāṣid al-Sharī'ah. As an indigenous agricultural tradition, Labuh Nyingkal embodies not only cultural and spiritual values but also economic principles rooted in social solidarity, environmental stewardship, and sustainable resource management. This research employs a qualitative ethnographic approach through participant observation, in-depth interviews, and document analysis to explore the meanings and practices embedded within the tradition. The collected data were analyzed using a descriptive-interpretative method by relating empirical findings to the objectives of Maqāṣid al-Sharī'ah, including the protection of religion, life, intellect, lineage, wealth, and environmental sustainability as a contemporary extension of maqāṣid. The findings reveal that Labuh Nyingkal reinforces an agrarian economic ethic that promotes collective welfare through equitable resource distribution, ecological preservation, communal cooperation, and intergenerational responsibility. Therefore, this tradition represents a viable model for strengthening a sustainable agrarian economy grounded in local wisdom while remaining consistent with the normative objectives of Maqāṣid al-Sharī'ah.   Keywords : Labuh Nyingkal, Agrarian Economy, Maqāṣid al-Sharī'ah.  

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