MATEMATIKA EKONOMI UNTUK PERBANKAN SYARIAH
Keywords:
Matematika Ekonomi (Mathematical Economics), Perbankan Syariah (Islamic Banking), Ekonomi Islam (Islamic Economics), Pemodelan Keuangan (Financial Modeling), Manajemen Risiko (Risk Management), Analisis Kuantitatif (Quantitative Analysis), Produk Keuangan Syariah (Islamic Financial Products)Synopsis
Buku Matematika Ekonomi untuk Perbankan Syariah membahas keterkaitan antara konsep matematika ekonomi dan praktik keuangan syariah dalam menghadapi dinamika industri perbankan modern. Melalui pembahasan yang terstruktur, buku ini menjelaskan bagaimana prinsip-prinsip ekonomi Islam seperti larangan riba, gharar, dan maysir memengaruhi pembentukan model keuangan, mekanisme pembagian hasil, serta pengelolaan risiko pada lembaga keuangan syariah. Materi disusun mulai dari konsep dasar matematika, aljabar finansial, kalkulus, dan statistik hingga penerapannya dalam berbagai produk perbankan syariah seperti murabahah, mudarabah, musharakah, ijarah, sukuk, dan wakaf.
Setiap pembahasan dilengkapi dengan ilustrasi kasus dan analisis kuantitatif yang menunjukkan penerapan perhitungan margin, amortisasi, valuasi investasi, optimisasi portofolio, hingga manajemen risiko secara nyata dalam operasional bank syariah. Buku ini juga menyoroti pentingnya penggunaan pendekatan matematis dalam mendukung pengambilan keputusan yang efisien, transparan, dan sesuai prinsip syariah di tengah perkembangan teknologi dan analisis data keuangan. Dengan perpaduan antara teori ekonomi Islam dan pemodelan kuantitatif, buku ini menjadi referensi akademik yang memperlihatkan bahwa matematika memiliki peran penting dalam pengembangan inovasi serta keberlanjutan industri perbankan syariah.
Downloads
References
Abbas, F., Iqbal, S., & Aziz, B. (2019). The impact of bank capital, bank liquidity and credit risk on profitability in postcrisis period: A comparative study of US and Asia. Cogent Economics & Finance, 7(1). https://doi.org/10.1080/23322039.2019.1605683
Ajizah, S. D. N., & Widarjono, A. (2023). Indonesia Islamic banking stability in the shadow of Covid-19 outbreak. Jurnal Ekonomi Syariah Teori dan Terapan. https://www.semanticscholar.org/paper/25be65247be16ed4d9634eef6896672a082c048e
Akotey, J. O. G., & Manso, S. L. (2013). The financial performance of life insurance companies in Ghana. Journal of Risk Finance, 14(3), 286–302. https://doi.org/10.1108/JRF-11-2012-0081
Aliyu, S., & Yusof, R. M. (2016). Profitability and cost efficiency of Islamic banks: A panel analysis of some selected countries. International Journal of Economics and Financial Issues, 6(4), 1736–1743.
Alqahtani, F., & Mayes, D. G. (2018). Financial stability of Islamic banking and the global financial crisis: Evidence from the Gulf Cooperation Council. Economic Systems, 42(2), 346–360. https://doi.org/10.1016/j.ecosys.2017.09.001
Anshori, M., & Iswati, S. (2009). Metodologi Penelitian Kuantitatif. Universitas Airlangga.
Arellano, M., & Bond, S. (1991). Some tests of specification for panel data: Monte Carlo evidence and an application to employment equations. Review of Economic Studies, 58(2), 277–297. https://doi.org/10.2307/2297968
Asano, A. (2012). An Introduction to Mathematics for Economics. https://www.semanticscholar.org/paper/86fd83e34ddbc5841db9b571b91cc038621bc9cf
Azhari, R. A. (2021). Studi Analisis Meta pada Determinan Profitabilitas Perusahaan Asuransi Syariah di Indonesia (Unpublished undergraduate thesis). Universitas Airlangga.
Bakri, W. (2015). Prinsip-prinsip dasar asuransi syariah. Ijtihad: Jurnal Hukum dan Ekonomi Islam, 9(2), 195–214. https://doi.org/10.21111/ijtihad.v9i2.2521
Baltagi, B. H. (2005). Econometric Analysis of Panel Data. John Wiley & Sons.
Barzani, K. F. (2020). Profitability and Risk in Indonesian Islamic Banking: A Dynamic Panel Data Analysis (Unpublished undergraduate thesis). Universitas Islam Indonesia. https://dspace.uii.ac.id/123456789/30611
Ben Mimoun, M. (2019). Islamic banking and real performances in a dual banking system: Evidence from Saudi Arabia. International Journal of Islamic and Middle Eastern Finance and Management, 12(3), 426–447. https://doi.org/10.1108/IMEFM-07-2018-0223
Berger, A. N., Boubakri, N., Guedhami, O., & Li, X. (2019). Liquidity creation performance and financial stability consequences of Islamic banking: Evidence from a multinational study. Journal of Financial Stability, 44, 100692. https://doi.org/10.1016/j.jfs.2019.100692
Blundell, R., & Bond, S. (1998). Initial conditions and moment restrictions in dynamic panel data models. Journal of Econometrics, 87(1), 115–143. https://doi.org/10.1016/S0304-4076(98)00009-8
Btemirova, R. I. (2025). Mathematical methods in economics and finance. Soft Measurements and Computing. https://www.semanticscholar.org/paper/1520a68ea1ff57cd244e212c7a958b77e45bc444
Budnick, F. S. (1979). Applied Mathematics for Business, Economics, and the Social Sciences. https://www.semanticscholar.org/paper/8e146e4945a29e5e2763edb9a6eea5ccc98edd43
Bulut, C. (2025). The role of mathematics in economics: Necessity or contradiction? London Journal of Social Sciences. https://www.semanticscholar.org/paper/8de1c28c1bf284be0cb30ddee0622c2e9be41626
Darmawi. (2006). Manajemen Asuransi. Bumi Aksara.
Dewan Syariah Nasional Majelis Ulama Indonesia. (2001). Fatwa Dewan Syariah Nasional Nomor 21/DSN-MUI/X/2001 tentang Pedoman Umum Asuransi Syariah. Dewan Syariah Nasional Majelis Ulama Indonesia.
Dumairy. (2007). Matematika Terapan untuk Bisnis dan Ekonomi (Edisi 2003/2004). https://www.semanticscholar.org/paper/1462048fc2070e8dfca030dfbb749ffdecfab474
Elnahass, M., Trinh, V. Q., & Li, T. (2021). Global banking stability in the shadow of Covid-19 outbreak. Journal of International Financial Markets, Institutions and Money, 72, 101322. https://doi.org/10.1016/j.intfin.2021.101322
Eng, T. S. (2013). Pengaruh NIM, BOPO, LDR, NPL, dan CAR terhadap ROA bank internasional dan bank nasional go public periode 2007–2011. Jurnal Dinamika Manajemen, 1(3), 153–167. https://doi.org/10.22437/jdm.v1i3.1473
Fadrul, & Simorangkir, M. A. (2019). Pengaruh early warning system dan risk-based capital terhadap kinerja keuangan perusahaan asuransi. Bilancia: Jurnal Ilmiah Akuntansi, 3(3), 348–359.
Fakhruddin, I., & Purwanti, T. (2015). Pengaruh rasio kesehatan bank terhadap kinerja keuangan bank periode 2010–2013. Jurnal Kompartemen, 13(2), 116–131. https://doi.org/10.30595/kompartemen.v13i2.1768
Gachaev, A., & Buntin, A. E. (2025). The use of mathematics in solving economic problems. Ekonomika i Upravlenie: Problemy, Resheniya. https://doi.org/10.36871/ek.up.p.r.2025.04.08.001
Harahap, S. S. (2001). Teori Akuntansi. PT RajaGrafindo Persada.
Havidz, S. A. H., & Setiawan, C. (2015). Bank efficiency and non-performing financing (NPF) in the Indonesian Islamic banks. Asian Journal of Economic Modelling, 3(3), 61–79. https://doi.org/10.18488/journal.8/2015.3.3/8.3.61.79
Hayati, I., Wulandari, S., Stanislaus, S., & Santri, D. D. (2025). Mathematics anxiety and learning interest among Sharia economics students: A gender-based analysis in Indonesian higher education. Qalamuna: Jurnal Pendidikan, Sosial, dan Agama. https://www.semanticscholar.org/paper/20701375bd4391892b323158cbdfea211bb632fe
Horobet, A., Radulescu, M., Belascu, L., & Dita, S. M. (2021). Determinants of bank profitability in CEE countries: Evidence from GMM panel data estimates. Journal of Risk and Financial Management, 14(7), 307. https://doi.org/10.3390/jrfm14070307
Hoy, M., Livernois, J., McKenna, C., Rees, R., & Stengos, T. (2012). Mathematics for Economics. https://www.semanticscholar.org/paper/7e1b87322722c0eb1bb70c2234495edc3e869303
Ilahi, R., Husna, M., Siska, M., Imamuddin, M., Widianita, R., & ICIEFS Proceeding. (2025). Mathematics in economics: Consumption and saving functions from the perspective of the Islamic green economy. ICIEFS Proceeding. https://www.semanticscholar.org/paper/c8542f4ae4a4f3874aac52dfb0412642b336d9f4
Ilhami, & Thamrin, H. (2021). Analisis dampak Covid-19 terhadap kinerja keuangan perbankan syariah di Indonesia. Jurnal Tabarru': Islamic Banking and Finance, 4(1), 37–45. https://doi.org/10.25299/jtb.2021.vol4(1).608
Jia, B. (2025). The application of economic mathematics in the field of financial economics. Highlights in Business, Economics and Management. https://www.semanticscholar.org/paper/a37b7afc7b3e60f049b0eadcc674a007ceaca126
Juwita, T. (2017). Analisis Pengaruh Premi, Klaim, Investasi, dan Surplus Underwriting terhadap Pertumbuhan Laba pada Industri Asuransi Syariah Tahun 2012–2016 (Unpublished undergraduate thesis). Institut Agama Islam Negeri Salatiga.
Kaya, E. O. (2015). The effects of firm-specific factors on the profitability of non-life insurance companies in Turkey. International Journal of Financial Studies, 3(4), 510–529. https://doi.org/10.3390/ijfs3040510
Kriswana, B., Sugiarti, I. W. P., Putra, M. N. A., Dinata, N. A., Compania, R. A., & Rohma, Z. L. (2025). Studi pustaka penerapan matematika dalam ilmu ekonomi: Permintaan dan penawaran. Jurnal Ekonomi Bisnis dan Kewirausahaan. https://www.semanticscholar.org/paper/a49dbc4b72eec3dfdb97d9fa5d7b537df0270d3c
Kumar, K. A. (2015). International Financial Reporting Standards (IFRS) adoption on financial decisions. Journal of Accounting & Marketing, 4(3), 1–6. https://doi.org/10.4172/2168-9601.1000141
Kuncoro, M. (2011). Metode Kuantitatif. Sekolah Tinggi Ilmu Manajemen YKPN.
Kusumastuti, W. I., & Alam, A. (2019). Analysis of impact of CAR, NPF, BOPO on profitability of Islamic banks (Year 2015–2017). Journal of Islamic Economic Laws, 2(1), 30–59. https://doi.org/10.23917/jisel.v2i1.6370
Kusumawati, I. B., Fachrudin, A., Putri, R., Zulkardi, Z., Widadah, S., & Mubarok, M. K. (2022). Islamic financial literacy in mathematics education: Proposed design for instruction. Advances in Social Science, Education and Humanities Research. https://www.semanticscholar.org/paper/484692cbdba0cb67b1d632ae52ee4dedbece6e0b
Latifah, E., & Abdullah, R. (2023). Pendekatan metodologik matematika dalam ekonomi dan bisnis Islam. JIEM: Journal of International Entrepreneurship and Management. https://www.semanticscholar.org/paper/fdceec563a9625f052cca8b66d6a498bfb83b256
Lubis, K. A. (2013). Penerapan Generalized Method of Moments pada Persamaan Simultan Panel Dinamis untuk Pemodelan Pertumbuhan Ekonomi di Indonesia (Unpublished thesis). Institut Teknologi Sepuluh Nopember.
Makhrus, A. (2017). Manajemen Asuransi Syariah. Litera.
Mardhiyyah, A. Z. (2019). Analisis Pengaruh Pertumbuhan Premi, Hasil Investasi, Risiko Likuiditas, Tingkat Kesehatan (Solvabilitas) dengan Nilai Risk Based Capital dan Tingkat Efisiensi terhadap Kinerja Keuangan pada Perusahaan Asuransi Syariah di Indonesia (Unpublished undergraduate thesis). Universitas Islam Negeri Syarif Hidayatullah Jakarta.
Maritsa, F. H. N., & Widarjono, A. (2021). Indonesian Islamic banks and financial stability: An empirical analysis. Jurnal Ekonomi dan Bisnis, 5(1), 71–87. https://doi.org/10.14421/EkBis.2021.5.1.1279
Mavron, V. C., & Phillips, T. (2006). Elements of Mathematics for Economics and Finance. https://www.semanticscholar.org/paper/e93098a869dc9f065519d10e6af26acd6002f4fc
Meilani, R. (2022). Matematika dalam keuangan syariah. Budgeting: Jurnal Akuntansi Syariah. https://www.semanticscholar.org/paper/045fdca3da88e89d07f19b5630575208527d2ebb
Ngunguni, N. J., Misango, S. M., & Onsiro, M. (2020). Examining the effects of financial factors on profitability of general insurance companies in Kenya. International Journal of Finance and Accounting, 5(1), 1–18. https://doi.org/10.47604/ijfa.1066
Ningrum, S. D. (2014). Analisis Faktor-Faktor yang Mempengaruhi Return on Equity pada Perusahaan Asuransi Umum (Unpublished undergraduate thesis). Universitas Diponegoro.
Nuhin, M. A. F., & Suprayogi, N. (2022). Pengaruh kinerja manajemen, efisiensi, kinerja underwriting, dan likuiditas terhadap profitabilitas perusahaan asuransi syariah di Indonesia periode 2015–2019. Jurnal Ekonomi Syariah Teori dan Terapan. https://www.semanticscholar.org/paper/d4731b6d10baa01e0157154434dba2751129bc06
Olešovský, V. (2016). Advanced Methods of Mathematical Modelling and Their Use in the Inventory Management Model. https://www.semanticscholar.org/paper/27e9eadcafdb9d7eb26329b062f0df2a4902140d
Otoritas Jasa Keuangan. (2015). Laporan Statistik Perasuransian Indonesia. Otoritas Jasa Keuangan.
Otoritas Jasa Keuangan. (2016). Laporan Statistik Perasuransian Indonesia. Otoritas Jasa Keuangan.
Otoritas Jasa Keuangan. (2017). Laporan Statistik Perasuransian Indonesia. Otoritas Jasa Keuangan.
Otoritas Jasa Keuangan. (2018). Laporan Statistik Perasuransian Indonesia. Otoritas Jasa Keuangan.
Otoritas Jasa Keuangan. (2019a). Laporan Statistik Perasuransian Indonesia. Otoritas Jasa Keuangan.
Otoritas Jasa Keuangan. (2019b). Laporan Perkembangan Keuangan Syariah di Indonesia. Otoritas Jasa Keuangan.
Pant, S., & Nehra, A. (2024). Some useful applications of mathematics and statistics in economics. International Journal of Psychosocial Rehabilitation. https://www.semanticscholar.org/paper/22a4853518ce8e7cd4aa919897bdc9a07351f854
Peng, Y. (2025). Applications of calculus in economics: Marginal function as an example. Science and Technology of Engineering, Chemistry and Environmental Protection. https://www.semanticscholar.org/paper/e9112bbc86caab5e60b0d6a0a48084066db37134
Pravasanti, Y. A. (2018). Pengaruh NPF dan FDR terhadap CAR dan dampaknya terhadap ROA pada perbankan syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 4(3), 148–159. https://doi.org/10.29040/jiei.v4i03.302
Primadita, N. (2020). Analisis pengaruh murabahah, mudharabah, musyarakah, FDR, NPF, dan BOPO terhadap kinerja perbankan syariah tahun 2011–2020. Syi'ar Iqtishadi: Journal of Islamic Economics, Finance and Banking, 4(2), 36–58. https://doi.org/10.35448/jiec.v4i2.9843
Puspitasari, N. (2012). Model proporsi tabarru dan ujrah pada bisnis asuransi umum syariah di Indonesia. Jurnal Akuntansi dan Keuangan Indonesia, 9(1), 43–55. https://doi.org/10.21002/jaki.2012.03
Ramadhan, Y. (2019). Pengaruh Ujrah Diterima, Beban Klaim, dan Total Investasi terhadap Laba Asuransi Jiwa Syariah di Indonesia Periode 2008–2017 (Unpublished undergraduate thesis). Universitas Airlangga.
Raouf, H., & Ahmed, H. (2021). Risk governance and financial stability: A comparative study of conventional and Islamic banks in the GCC. Global Finance Journal, 52, 100599. https://doi.org/10.1016/j.gfj.2020.100599
Rashid, A., & Jabeen, S. (2016). Analyzing performance determinants: Conventional versus Islamic banks in Pakistan. Borsa Istanbul Review, 16(2), 92–107. https://doi.org/10.1016/j.bir.2016.03.002
Rizvi, S. A. R., Narayan, P. K., Sakti, A., & Syarifuddin, F. (2020). Role of Islamic banks in Indonesian banking industry: An empirical exploration. Pacific-Basin Finance Journal, 62. https://doi.org/10.1016/j.pacfin.2019.02.002
Safitri, K. E., & Suprayogi, N. (2017). Analisis kesehatan keuangan dana tabarru yang mempengaruhi profitabilitas pada asuransi syariah di Indonesia. Jurnal Ekonomi Syariah Teori dan Terapan, 4(1), 73–88. https://doi.org/10.20473/vol4iss20171pp73-88
Salike, N., & Ao, B. (2018). Determinants of bank profitability: Role of poor asset quality in Asia. China Finance Review International, 8(2), 216–231. https://doi.org/10.1108/CFRI-10-2016-0118
Salsabila, A. S., Masfahrizal, A., Dharmawan, F. P., Fitriyah, L., Mawardani, M. D., & Yuliawati, V. (2025). Penerapan matematika pada ilmu ekonomi: Himpunan. Jurnal Ilmiah Manajemen dan Akuntansi. https://www.semanticscholar.org/paper/a87a7b9093f780f71455791d9633865a4f277579
Salsabila, F. H. (2020). Pengaruh Rasio-Rasio Early Warning System terhadap Profitabilitas Perusahaan Asuransi Jiwa Syariah Periode 2014–2018 (Unpublished undergraduate thesis). Universitas Airlangga.
Satria, S. (1994). Pengukuran Kinerja Keuangan Perusahaan Asuransi Kerugian di Indonesia dengan Analisis Rasio Keuangan Early Warning System. Lembaga Penerbit FE-UI.
Silalahi, D., Sitepu, R., & Tarigan, G. (2014). Analisis ketahanan pangan dengan model regresi data panel. Saintia Matematika, 2(3), 237–251.
Siregar, T. M., Purba, B. I., br Haloho, E. F., & Tinambunan, I. F. (2025). Exploring the role of mathematics in economics: The application of mathematics in the modern economy. Indonesian Journal of Contemporary Multidisciplinary Research. https://www.semanticscholar.org/paper/209f045f440386175ecdccbd44c8fe024f2a98b4
Sun, Y. (2022). Applications of advanced mathematics in the field of economics. Journal of Physics: Conference Series. https://www.semanticscholar.org/paper/c403538c2059bdbbca6a502536d062475ecec897
Sunarto, A. (2018). Penerapan e-learning mata kuliah matematika ekonomi bagi mahasiswa ekonomi dan bisnis Islam. INTECOMS: Journal of Information Technology and Computer Science. https://www.semanticscholar.org/paper/58c4dbef4002a3ba2f23ab25e52933c84db2b870
Suryani. (2012). Analisis pengaruh financing to deposit ratio (FDR) terhadap profitabilitas perbankan syariah di Indonesia (Rasio keuangan pada BUS dan UUS periode 2008–2010). Economica: Jurnal Ekonomi Islam, 2(2), 153–170. https://doi.org/10.21580/economica.2012.2.2.854
Tahliani, H. (2020). Tantangan perbankan syariah dalam menghadapi pandemi Covid-19. Madani Syari'ah, 3(2), 92–113. https://doi.org/10.51476/madanisyariah.v3i2.205
Taurif, M., Otok, B. W., & Latra, I. N. (2014). Estimation of generalized method of moments in logistic regression model. Dalam Proceedings of Seminar Nasional Matematika Universitas Jember (pp. 167–174).
Thamrin, Liviawati, & Wiyati, R. (2011). Analisis perbandingan kinerja keuangan bank umum syariah dan bank umum konvensional serta pengaruhnya terhadap keputusan investasi. Pekbis Jurnal, 3(1), 406–412. https://doi.org/10.31258/pekbis.3.01.%25p
Unknown authors. (2021). Methodological contribution on Islamic economics and finance: A scientometric. International Journal of Research in Economics and Commerce. https://doi.org/10.56536/ijrec.v2i1.9
Utami, I. G. A. M. P., & Werastuti, D. N. S. (2020). Pengaruh mekanisme corporate governance, early warning system, risk based capital, dan hasil investasi terhadap kinerja keuangan. Jurnal Ilmiah Mahasiswa Akuntansi Undiksha, 11(2), 54–64. https://doi.org/10.23887/jimat.v11i2.25922
van Elst, H. (2015). An Introduction to Business Mathematics. https://www.semanticscholar.org/paper/862acce2002d7ee0c2e15071eeef1ff2321eece6
Werner, F., & Sotskov, Y. (2006). Mathematics of Economics and Business. https://www.semanticscholar.org/paper/0559ce5ef99228c00c5325bb431bbca027014a19
Wibisono. (2005). Metode Statistika. Gadjah Mada University Press.
Widarjono, A. (2013). Ekonometrika: Pengantar dan Aplikasinya. Ekonisia.
Widarjono, A. (2020). Stability of Islamic banks in Indonesia: Autoregressive distributed lag approach. Jurnal Keuangan dan Perbankan, 24(1), 40–52. https://doi.org/10.26905/jkdp.v24i1.3932
Widarjono, A., Mifrahi, M. N., & Perdana, A. R. A. (2020). Determinants of Indonesian Islamic rural banks' profitability: Collusive or non-collusive behavior? Journal of Asian Finance, Economics and Business, 7(11), 657–668. https://doi.org/10.13106/jafeb.2020.vol7.no11.657
Widyarochma, F. (2018). Pengaruh Likuiditas, Pertumbuhan Premi, dan Hasil Investasi terhadap Profitabilitas Perusahaan Asuransi Syariah di Indonesia Periode 2012–2016 (Unpublished undergraduate thesis). Universitas Airlangga.
Xu, J., Lv, H., Huang, X., & Peng, Y. (2024). Practical applications of economic mathematics in business studies programmes. Academic Journal of Mathematical Sciences. https://www.semanticscholar.org/paper/81f7f6590669157773eb4eedfd1fe5605c2f0a04
Youssef, A. H., El-Sheikh, A. A., & Abonazel, M. R. (2014). Improving the efficiency of GMM estimators for dynamic panel models. Far East Journal of Theoretical Statistics, 47(2), 171–189.
Yuliana, Y. (2008). Kinerja keuangan PT Panin Insurance Tbk. dengan metode MDA. Jurnal Ilmiah Manajemen Bisnis, 8(1), 75–88.
Yuniarti, T. (2020). Pengaruh Underwriting dan Dana Tabarru terhadap Laba Perusahaan Asuransi Syariah di Indonesia (Unpublished undergraduate thesis). Universitas Islam Negeri Raden Intan Lampung.
Zarrouk, H., Ben Jedidia, K., & Moualhi, M. (2016). Is Islamic bank profitability driven by the same forces as conventional banks? International Journal of Islamic and Middle Eastern Finance and Management.
Downloads
Published
License

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.


