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Evaluation of Islamic Commercial Bank Financial Performance Using Sharia Maqashid Index (SMI): The Role of DPS and Islamic Financing id Index (SMI) Pada Bank Umum Syariah Tahun 2018-2021

Islamic Economics and Finance Journal · Vol. 1 No. 1 (2025) · hlm. 24–35

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

Abstrak

The effect of the number of DPS members, DPS education level, DPS meeting frequency, profit-sharing financing, and qardh financing on the performance of maqashid sharia at Islamic Commercial Banks in Indonesia in 2018–2021. A quantitative approach was used with panel data from 11 Sharia Commercial Banks registered with the OJK during 2018–2021. The sample was selected using purposive sampling with 44 analysis units. The independent variables include the number of DPS members, DPS education level, DPS meeting frequency, profit-sharing financing, and qardh financing. The dependent variable is the performance of maqashid sharia as measured using the Sharia Maqashid Index (SMI). Data were obtained through documentation and analyzed using panel data regression through EViews 10. Based on the Chow and Hausman test, the best model used was the Fixed Effect Model (FEM). The results show that the number of DPS members, DPS education level, profit-sharing financing, and qardh financing do not significantly affect the performance of maqashid sharia. Only the frequency of DPS meetings has a significant positive effect on the performance. Therefore, Islamic banks need to increase the intensity of DPS meetings to strengthen the supervisory function and support achieving maqashid sharia objectives.

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Rekan penulisOrganisasiArtikel bersama
Surya RaharjaAfiliasi tidak diketahui2
Niken Lady JunitaAfiliasi tidak diketahui2
Abdul RohmanBandung Islamic University1
Ajeng Pangestuning PurwokoAfiliasi tidak diketahui1
Bestari Dwi HandayaniAfiliasi tidak diketahui1
Nanik Sri UtaminingsihAfiliasi tidak diketahui1
Rizki Aulia RachmanAfiliasi tidak diketahui1
Slamet RiyadiMercu Buana University1
Febrica Dewi ParamitaAfiliasi tidak diketahui1
Mirza Nurdin NugrohoAfiliasi tidak diketahui1
Rosyiqoh Haida LutfianaAfiliasi tidak diketahui1
Sendyvia CandraAfiliasi tidak diketahui1
Zayyinatul KhasanahAfiliasi tidak diketahui1
Amanda Kyka MarharaniAfiliasi tidak diketahui1
Yasin FadilAfiliasi tidak diketahui1
Azizatul LaeliAfiliasi tidak diketahui1
Dita MuktiningtyasAfiliasi tidak diketahui1
Rizki RahmawatiAfiliasi tidak diketahui1
Oki PrasantiAfiliasi tidak diketahui1
Rauf Alvian PrasetyaAfiliasi tidak diketahui1
Jalu Wicaksono ArdiAfiliasi tidak diketahui1
Shinta WijayaningsihAfiliasi tidak diketahui1
Margunani MargunaniAfiliasi tidak diketahui1
Siti Fiki IkmahAfiliasi tidak diketahui1
Tuti OktavianiAfiliasi tidak diketahui1
Azizatul FikriyahAfiliasi tidak diketahui1
Sri Rizky RahayuningtyasAfiliasi tidak diketahui1
Dwi LestariAfiliasi tidak diketahui1
Retno Ariyani Puji LestariAfiliasi tidak diketahui1
Sari WidyastutiAfiliasi tidak diketahui1
Nur BarokahAfiliasi tidak diketahui1
Ika WahyuningsihAfiliasi tidak diketahui1
Ahmad SehabuddinAfiliasi tidak diketahui1
Ahmad SaerojiAfiliasi tidak diketahui1
Maylia Pramono SariAfiliasi tidak diketahui1
Atik Ul MussanadahAfiliasi tidak diketahui1
Mei Saputra ArumawanAfiliasi 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) 
<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<dc:title xml:lang="en">Evaluation of Islamic Commercial Bank Financial Performance Using Sharia Maqashid Index (SMI): The Role of DPS and Islamic Financing  id Index (SMI) Pada Bank Umum Syariah Tahun 2018-2021</dc:title>
	<dc:creator xml:lang="en">Sesaria Putri, Meidy </dc:creator>
	<dc:creator xml:lang="en">Yulianto, Agung</dc:creator>
	<dc:creator xml:lang="en">Nur Alya, Zahwa</dc:creator>
	<dc:subject xml:lang="en">Financial Performance</dc:subject>
	<dc:subject xml:lang="en">  Maqashid Sharia Index </dc:subject>
	<dc:subject xml:lang="en"> Sharia Supervisory Board </dc:subject>
	<dc:subject xml:lang="en"> Profit Sharing Financing</dc:subject>
	<dc:subject xml:lang="en">  Qardh Financing</dc:subject>
	<dc:description xml:lang="en">The effect of the number of DPS members, DPS education level, DPS meeting frequency, profit-sharing financing, and qardh financing on the performance of maqashid sharia at Islamic Commercial Banks in Indonesia in 2018–2021. A quantitative approach was used with panel data from 11 Sharia Commercial Banks registered with the OJK during 2018–2021. The sample was selected using purposive sampling with 44 analysis units. The independent variables include the number of DPS members, DPS education level, DPS meeting frequency, profit-sharing financing, and qardh financing. The dependent variable is the performance of maqashid sharia as measured using the Sharia Maqashid Index (SMI). Data were obtained through documentation and analyzed using panel data regression through EViews 10. Based on the Chow and Hausman test, the best model used was the Fixed Effect Model (FEM). The results show that the number of DPS members, DPS education level, profit-sharing financing, and qardh financing do not significantly affect the performance of maqashid sharia. Only the frequency of DPS meetings has a significant positive effect on the performance. Therefore, Islamic banks need to increase the intensity of DPS meetings to strengthen the supervisory function and support achieving maqashid sharia objectives. </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/22198</dc:identifier>
	<dc:source xml:lang="en">Islamic Economics and Finance Journal; Vol. 1 No. 1 (2025); 24-35</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/isefin/article/view/22198/3943</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Islamic Economics and Finance Journal</dc:rights>
</oai_dc:dc>