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Risk Management and Sharia Conformity and Profitability Performance with Moderating Effect from Third Party Fund

Islamic Economics and Finance Journal · Vol. 1 No. 1 (2025) · hlm. 12–23

Terbit
2025-05-08
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

This research analyzes the influence of financing risk, liquidity risk and operational efficiency risk on the performance of sharia compliance and profitability of islamic commercial banks by involving the moderating effect from third party funds. The research population consists of islamic commercial banks in Indonesia for the 2020-2023 period. This research is quantitative research using panel data regression. The result states that financing risk has a significant negative effect on sharia conformity, but has no effect on profitability. Liquidity risk does not affect both sharia conformity and profitability. Operational efficiency risk has no effect on sharia conformity, but has a significant negative effect on profitability. TPF is able to moderate the influence of financing risk on sharia conformity and operational efficiency risk on profitability. Based on these results, sharia commercial banks should pay more attention to implementation of financing risk management and operational efficiency risks in order to improve on their sharia conformity and profitability performance. Apart from that, sharia commercial banks also need to improve their ability to collect TPF in order to support more optimal bank performance. Further research is recommended to examine other factors such as corporate governance which have not been examined in this study.

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  • State University of Semarang
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Rekan penulisOrganisasiArtikel bersama
Bowo SumantoAfiliasi tidak diketahui1
Kiswanto KiswantoAfiliasi tidak diketahui1
Wahyu PratiwiAfiliasi tidak diketahui1
Fitantri Ambar RiniAfiliasi tidak diketahui1
Achmad FurqonAfiliasi tidak diketahui1
Andika Bayu EstiawanAfiliasi tidak diketahui1
Laeli MafudahAfiliasi tidak diketahui1
Nurul ArifahAfiliasi tidak diketahui1
Dwi IstikhomahAfiliasi tidak diketahui1
Winda PuspitasariAfiliasi tidak diketahui1
Yusi ArdiniAfiliasi tidak diketahui1
Prabowo Yudo JayantoState University of Semarang1
Hasan MukhibadState University of Semarang1
Satworo AdiwidodoAfiliasi tidak diketahui1
Moh HartonoAfiliasi tidak diketahui1
Sugeng Hadi SusiloAfiliasi tidak diketahui1
Elka FaizalAfiliasi tidak diketahui1
Mira Esculenta MartawatiAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/isefin/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Risk Management and Sharia Conformity and Profitability Performance with Moderating Effect from Third Party Fund</dc:title>
	<dc:creator xml:lang="en"> Sofi Zakiya, Anisa</dc:creator>
	<dc:creator xml:lang="en">Asrori, Asrori</dc:creator>
	<dc:creator xml:lang="en">Retno Pinasti, Enggarningtyas</dc:creator>
	<dc:subject xml:lang="en">Sharia Conformity and Profitability</dc:subject>
	<dc:subject xml:lang="en">Risk Management</dc:subject>
	<dc:subject xml:lang="en">Third Party Funds</dc:subject>
	<dc:description xml:lang="en">This research analyzes the influence of financing risk, liquidity risk and operational efficiency risk on the performance of sharia compliance and profitability of islamic commercial banks by involving the moderating effect from third party funds. The research population consists of islamic commercial banks in Indonesia for the 2020-2023 period. This research is quantitative research using panel data regression. The result states that financing risk has a significant negative effect on sharia conformity, but has no effect on profitability. Liquidity risk does not affect both sharia conformity and profitability. Operational efficiency risk has no effect on sharia conformity, but has a significant negative effect on profitability. TPF is able to moderate the influence of financing risk on sharia conformity and operational efficiency risk on profitability. Based on these results, sharia commercial banks should pay more attention to implementation of financing risk management and operational efficiency risks in order to improve on their sharia conformity and profitability performance. Apart from that, sharia commercial banks also need to improve their ability to collect TPF in order to support more optimal bank performance. Further research is recommended to examine other factors such as corporate governance which have not been examined in this study.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2025-05-08</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/isefin/article/view/21945</dc:identifier>
	<dc:source xml:lang="en">Islamic Economics and Finance Journal; Vol. 1 No. 1 (2025); 12-23</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/isefin/article/view/21945/3938</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Islamic Economics and Finance Journal</dc:rights>
</oai_dc:dc>