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All Journal Jurnal Ilmiah Universitas Batanghari Jambi Al-Mizan : Jurnal Ekonomi Syariah
M. Syaikhul Arif
Universitas Islam An-Nadwah Kuala Tungkal
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Studi Perbandingan Kinerja Bank Syariah Dan Bank Konvensional Haikal Amin; M. Syaikhul Arif
Al-Mizan: Jurnal Ekonomi Syariah Vol 9 No 1 (2026): Al-Mizan: Jurnal Ekonomi Syariah
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat IAI An-Nadwah Kuala Tungkal

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Abstract

Penelitian ini bertujuan untuk menganalisis dan membandingkan kinerja keuangan antara bank syariah dan bank konvensional dengan menggunakan pendekatan kualitatif deskriptif melalui metode studi pustaka. Fokus utama kajian ini terletak pada indikator-indikator kinerja keuangan seperti Return on Assets (ROA), Return on Equity (ROE), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Capital Adequacy Ratio (CAR), serta NonPerforming Financing (NPF) dan NonPerforming Loan (NPL). Hasil kajian literatur menunjukkan bahwa bank konvensional cenderung lebih unggul dalam aspek profitabilitas dan efisiensi operasional, sedangkan bank syariah memiliki kinerja yang relatif stabil dan lebih rendah dalam risiko pembiayaan. Perbedaan-perbedaan ini dipengaruhi oleh berbagai faktor, seperti prinsip operasional, skala usaha, literasi masyarakat, dukungan regulasi, serta inovasi teknologi. Meskipun terdapat perbedaan yang signifikan secara statistik dalam beberapa indikator, baik bank syariah maupun konvensional memiliki keunggulan masing-masing yang saling melengkapi dalam sistem keuangan nasional.
Gaya Hidup Cashless dan Pemanfaatan Dompet Digital dalam Membentuk Perilaku Konsumtif Mahasiswa Generasi Z: Peran Self-Control dan Nilai-Nilai Islam Sri Kasnelly; Ahmad Luthfi; Abdul Jalil; M. Syaikhul Arif; Revalina Juventini LA
Jurnal Ilmiah Universitas Batanghari Jambi Vol 26, No 2 (2026): Juli
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jiubj.v26i2.6565

Abstract

Advances in digital payment technology have reshaped how Generation Z students consume, largely through their growing embrace of a cashless lifestyle and digital wallets. This study set out to determine whether a cashless lifestyle and the intensity of digital wallet use shape consumptive behavior, examining self-control as a mediating mechanism and Islamic values as a moderating factor. Using a purposive sample of 80 students from Universitas Islam An-Nadwah Kuala Tungkal, quantitative survey data were gathered and processed through SEM-PLS. Findings indicate that both a cashless lifestyle and digital wallet usage intensity raise consumptive behavior, whereas self-control and Islamic values lower it. Islamic values were found to moderate only the self-control-to-consumptive-behavior pathway, while self-control failed to mediate the pathways linking cashless lifestyle or digital wallet usage to consumptive behavior. Taken together, the results underscore that cultivating self-control and instilling Islamic values are key to fostering wiser consumption habits among students.
Co-Authors Abdul Jalil Ahmad Luthfi Haikal Amin Revalina Juventini LA Sri Kasnelly