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All Journal El Dinar Likuid: Jurnal Ekonomi Industri Halal
M Taufik Ridho
University of Groningen
Economics, Econometrics & Finance Other

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DO ISLAMIC FINANCING CONTRACTS ENHANCE BANK PROFITABILITY? EVIDENCE FROM THE MEDIATING ROLE OF FINTECH ADOPTION IN INDONESIA Erwin Saputra Siregar; Fitri Sagantha; M Taufik Ridho; Rohaiza Kamis; Resa Iswara
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 14, No 1 (2026): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v14i1.40925

Abstract

The present study investigates direct and indirect impacts of six financing instruments including murabaha, mudaraba, musyarakah, ijarah, istishna and qardh of Islamic finance on the profitability of Indonesia's Islamic banks, measured through Return On Assets (ROA), where fintech adoption becomes the mediator. This study adopted quantitative explanation method, where secondary monthly times series data collected from the statistics of Islamic Banking reported by the Financial Services Authority (OJK) for the years 2015 - 2024 were used. The structural relationship between the variables was tested with path analysis, supported by Sobel test and bootstrapping with 5,000 samples to test mediation effect. The results found that mudaraba financing instrument had the highest positive impact on fintech adoption, showing higher association with financial innovation in comparison to other Islamic financing instruments. Digital transformation expenditure, which represents fintech adoption, significantly negatively impacts ROA; therefore, technology investments put immediate pressure on the profitability of the bank. Moreover, none of the Islamic financing instruments had a direct effect on ROA, but mudaraba financing instrument yielded a significant indirect effect on ROA through fintech adoption. These findings suggest that Indonesian Islamic banks remain in the early stage of digital transformation, highlighting the need for more efficient digital integration and supportive regulatory frameworks to achieve sustainable long-term profitability.
Understanding Financial Management Among Generation Z: The Roles of Islamic Financial Literacy, Fintech Usage, and Lifestyle Nur Waasi; Samsul; Asyraf Mustamin; M Taufik Ridho
Likuid Jurnal Ekonomi Industri Halal Vol. 6 No. 1 (2026): LIKUID: Jurnal Ekonomi Industri Halal
Publisher : Sharia Economics Study Program Faculty of Islamic Economics and Business UIN Sunan Gunun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/likuid.v6i1.51031

Abstract

This study aims to analyze the Influence of Islamic Financial Literacy and the Use of Financial Technology on Generation Z Financial Management with Lifestyle as a Moderation Variable. The research was conducted by quantitative method through an associative approach. Data collection was carried out by distributing questionnaires to 200 FEBI students of the 2021-2024 batch. The data obtained is processed using SPSS. The results of the study show that Islamic financial literacy and the use of fintech have a significant positive effect on the financial management of Generation Z. Lifestyle also has a significant effect on the financial management of Generation Z, but it is not able to moderate the influence of Islamic financial literacy and the use of fintech on the financial management of Generation Z. Practically, the results of this study affirm the urgency of increasing Islamic financial literacy and the wise use of fintech.  and indicates that the influence of lifestyle on the relationship between the two is independent.
Co-Authors Asyraf Mustamin Erwin Saputra Siregar Fitri Sagantha Nur Waasi Resa Iswara Rohaiza Kamis Samsul