Digital Index & Islamicity Score: Pengaruhnya Terhadap Profitabilitas dan Respon Perbankan Syariah Pasca Pandemi

Juhairatun Nisa (Universitas Muhammadiyah Mataram), Firda Gusmiarsih (Universitas Muhammadiyah Mataram), Mu’azzin (Universitas Muhammadiyah Mataram), Oki Purwito (Universitas Muhammadiyah Mataram), Ahadiah Agustina (Universitas Muhammadiyah Mataram)

Abstract


Penelitian ini bertujuan untuk mengkaji pengaruh digital index dan islamicity score terhadap profitabilitas serta respons perbankan syariah pasca pandemi covid-19. Menggunakan pendekatan kualitatif dengan metode library research berbasis integrative review, penelitian ini mereview literatur ilmiah dari google scholar, scopus, doaj, dan scispace dalam rentang tahun 2015–2024. Kriteria inklusi mencakup artikel yang relevan dengan minimal dua dari tiga variabel utama: digitalisasi, islamicity index, dan profitabilitas. Data dianalisis secara tematik dengan content analysis untuk mengidentifikasi pola hubungan dan sintesis konseptual. Hasil kajian menunjukkan bahwa digitalisasi mendorong efisiensi dan perluasan layanan, sementara islamicity score memperkuat kepercayaan nasabah melalui kepatuhan prinsip syariah. Integrasi keduanya menghasilkan pendekatan baru berbasis digital-islamicity composite index yang dinilai mampu menjadi indikator prediktif terhadap kinerja keuangan dan etis bank syariah, terutama dalam menghadapi krisis global. Penelitian ini merekomendasikan pengembangan model kuantitatif berbasis indeks komposit serta kajian longitudinal pasca pandemi untuk mendukung stabilitas dan pertumbuhan sektor keuangan syariah yang inklusif dan berkelanjutan.

Full Text:

PDF

References


Dinaroe, Dinaroe, Indra Mulya, and Evi Mutia. “Islamicity Financial Performance Index Perbankan Syariah Di Indonesia.†Jurnal Perspektif Ekonomi Darussalam 5, no. 1 (2019): 99–112. https://doi.org/10.24815/jped.v5i1.14217.

Handayani, Disfa Lidian, and Widiya Nur Anisa. “Analisis Strategi Bisnis Bank Digital Syariah Di Indonesia.†AL-Muqayyad 6, no. 2 (2023): 151–65. https://doi.org/10.46963/jam.v6i2.1324.

Hasan, Md. Bokhtiar, Mustafa Raza Rabbani, Tapan Sarker, Tanzila Akter, and Shaikh Masrick Hasan. “Role of Risk Disclosure on Creditworthiness and Driving Forces of Risk Disclosure of Banks: Islamic vs Conventional Banks.†International Journal of Islamic and Middle Eastern Finance and Management 16, no. 5 (January 2023): 892–909. https://doi.org/10.1108/IMEFM-01-2022-0008.

Legowo, Mercurius Broto, Deden Prayitno, and Budi Indiarto. “Program Kemitraan Masyarakat Untuk Sosialisasi Program Digitalisasi Umkm Di Wilayah Jakarta Pusat.†Jurnal Berdaya Mandiri 3, no. 2 (2021): 588–601. https://doi.org/10.31316/jbm.v3i2.1766.

Mafuz, Muhammad. “Analysis of Sharia Bank Financial Performance in the Digital Era†6, no. 3 (2024): 491–96.

Manne, Firman. “Praktik Digitalisasi Keuangan Syariah Terhadap Kinerja Keuangan Umkm Di Kota Makassar.†Indonesian Journal of Business and Management 5, no. 1 (2022): 173–77. https://doi.org/10.35965/jbm.v5i1.2016.

Meskovic, Admir, Emira Kozarevic, and Alija Avdukic. “The Influence of National and Individual Islamic Governance on Islamic Banks’ Social Performance.†Journal of Islamic Accounting and Business Research 15, no. 6 (2024): 911–41. https://doi.org/10.1108/JIABR-03-2022-0077.

Munggarani Basri, Rara Genta, Rahmat Mulyana, and Hendri Tanjung. “The Influence of Intellectual Capital on Islamic Banks Profitability: A Mediation Analysis of Non-Profitability Performance and Islamicity Financial Performance Index.†Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah 13, no. 2 (2021): 275–88. https://doi.org/10.15408/aiq.v13i2.23038.

Qureshi, Muhammad Hussain, and Rukhsana Kalim. “How Shariah Compliance and Traditional Banks Are Performing? A Case of Pakistan.†International Journal of Islamic Economics and Finance Studies 4, no. 3 (2018): 6–20. https://doi.org/10.25272/ijisef.416706.

Shanti, Riris, Hermanto Siregar, Nimmi Zulbainarni, and Tony. “Role of Digital Transformation on Digital Business Model Banks.†Sustainability (Switzerland) 15, no. 23 (2023). https://doi.org/10.3390/su152316293.

Suryadi, Nanda, and Sri Lestari. “PENGARUH PROFITABILITAS, PENGHARGAAN, DAN ISLAMIC GOVERNANCE SCORE TERHADAP PENGUNGKAPAN ISLAMIC SOCIAL REPORTING (Studi Empiris Pada Bank Umum Syariah Yang Terdaftar Di OJK Periode 2012-2016).†Jurnal Tabarru’: Islamic Banking and Finance 1, no. 2 (2018): 46–57. https://doi.org/10.25299/jtb.2018.vol1(2).2815.

Yusnita, Raja Ria. “Analisis Kinerja Bank Umum Syariah Dengan Menggunakan Pendekatan Islamicity Performance Index Periode Tahun 2012-2016.†Jurnal Tabarru’: Islamic Banking and Finance 2, no. 1 (2019): 12–25. https://doi.org/10.25299/jtb.2019.vol2(1).3443.




DOI: https://doi.org/10.36269/jes.v1i03.3631

Refbacks

  • There are currently no refbacks.


Indexing

Google ScholerGarudaDimensionsCrossref
NelitiScilitOpen AlexRoad ISSN
HARVARD LibraryORCIDUMLlampungBASE

tools

MendelayZoteroTurnitinGrammarly

 

Editor and Administration Address:

SYIRKAH: Jurnal Ekonomi Syariah is published by the Faculty of Islamic Studies, Universitas Muhammadiyah Lampung

Jl. ZA. Pagar Alam, Labuhan Ratu, Kec. Kedaton, Bandar Lampung, Lampung, Indonesia, 35132 

 

 

Lisensi Creative Commons

SYIRKAH: Jurnal Ekonomi Syariah © 2024 by the Faculty of Islamic Studies, Universitas Muhammadiyah Lampung is licensed under CC BY-SA 4.0