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All Journal Humanitis (Jurnal Humaniora Sosial dan Bisnis) Jurnal Ekonomi dan Bisnis (Jebi)
Cahya Agung Mulyana
Perbankan Syariah, Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

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ANALISIS PENGARUH TINGKAT PENGETAHUAN FINTECH PEER TO PEER (P2P) LENDING SYARIAH TERHADAP PREFERENSI MAHASISWA (Studi Kasus Mahasiswa Perbankan Syariah UIN SMDD Bukittinggi Angkatan 2020) Ardina Khairunnisa; Cahya Agung Mulyana
HUMANITIS: Jurnal Homaniora, Sosial dan Bisnis Vol. 2 No. 6 (2024): HUMANITIS : Jurnal Humaniora, Sosial dan Bisnis
Publisher : ADISAM PUBLISHER

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Abstract

This research aims to analyze the influence of students' knowledge of Sharia Peer-to-Peer (P2P) lending fintech on their preferences in choosing financial services. The research adopts a quantitative approach using a survey conducted on the 2020 class of Sharia Banking students at UIN SMDD Bukittinggi. Data was collected through a questionnaire distributed to 79 respondents. The results show that the students' knowledge of Sharia P2P lending significantly affects their preference for selecting Sharia financial services. The study concludes that increasing financial literacy and knowledge of Sharia financial products is essential to encourage students' preferences towards Sharia-based financial services. The implications of these findings can be used to develop more effective educational programs to improve Sharia fintech literacy
PENGARUH PEMBIAYAAN MURABAHAH DAN MUDHARABAH TERHADAP LABA BERSIH PT. BPRS HAJI MISKIN PANDAI SIKEK KEC. X KOTO KABUPATEN TANAH DATARSUMATRA BARAT Juniatul Adawiyah Tanjung; Cahya Agung Mulyana
Jurnal Ekonomi dan Bisnis Vol. 2 No. 11 (2025): JEBI: Jurnal Ekonomi dan Bisnis
Publisher : CV. Adiba Aisha Amira

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Abstract

This research aims to try and analyze the Net Profit of BPRS Haji Poor Smart Sikek. There are also several aspects analyzed that influence Net Profit, namely Murabahah and Mudharabah Financing. This research uses a quantitative approach using inferior information, namely information obtained from the Financial Services Authority's Sharia Banking Statistics (SPS OJK) based on monthly information for the period 2019-2022. The information collection instrument is based on BPRS Haji Miskin Information and the Financial Services Authority (OJK). ). The information analysis procedure used in this research is Multiple Linear Regression Analysis. The research results of partial multiple linear regression experiments prove that Murabahah Financing with a significant figure of 0.008, Mudharabah Financing with a significant figure of 0.111, has an important influence on Net Profit. Simultaneously, the totality of free elastics has an important impact on Net Profit, namely a significant number of 0.000≤ 0.05.
Co-Authors Ardina Khairunnisa Juniatul Adawiyah Tanjung