Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
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All Journal Management and Economics Journal (MEC-J) AL-ARBAH: Journal of Islamic Finance and Banking
Arif Afendi
Universitas Islam Negeri Walisongo
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Determinants of Generation Z Interest in Using Bank Jago Syariah: Financial Literacy, Brand Trust, and Price Saving Orientation Alifatul Afwah; Arif Afendi; Mardhiyaturrositaningsih Mardhiyaturrositaningsih; Muhammad Rasyidin
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 8 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2026.8.1.31524

Abstract

Purpose - This study aims to examine the effect of financial literacy, brand trust, and price-saving orientation on Generation Z’s intention to use Bank Jago Syariah in Semarang City. Method - The research method used in this study was quantitative. Data were collected through questionnaires distributed to 100 Generation Z respondents in Semarang using purposive sampling. The data were analyzed using multiple linear regression with SPSS version 26. Result - The results indicate that financial literacy, brand trust, and price-saving orientation have a positive and significant effect on Generation Z’s intention to use Bank Jago Syariah. Implication - These findings suggest that digital Islamic banks need to enhance financial education, strengthen brand credibility, and provide competitive financial benefits to attract younger users. Originality - This study contributes to the literature by examining the combined role of financial literacy, brand trust, and price-saving orientation in influencing Generation Z’s intention to use Islamic digital banking services. Keywords: Financial Literacy, Brand Trust, Price-Saving Orientation, Intention to Use, Generation Z
Operational Efficiency and Financing Risk on the Asset Growth of Sharia Commercial Banks: The Mediating Role of Profitability Siska Estiningtyas; Nur Fatoni; Arif Afendi
MEC-J (Management and Economics Journal) Vol 10, No 2 (2026)
Publisher : Faculty of Economics, State Islamic University of Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/mec-j.v10i2.44391

Abstract

The growth of Islamic banking assets in Indonesia following the global health crisis faces significant challenges due to uncertainty in macroeconomic conditions and the post-pandemic structural recovery process. These dynamics require adaptive internal governance, as fluctuations in financial performance can directly threaten the sustainability of business expansion for Islamic financial institutions. This quantitative study aims to empirically test the effects of operational efficiency and financing risk on asset growth, with profitability serving as a mediating variable. This study employs a purposive sampling approach covering 13 Sharia Commercial Banks (BUS) in Indonesia under the supervision of the Financial Services Authority (OJK). The collection of annual financial statement data for the 2021–2025 period yielded a total of 65 observations. The methodological framework was analyzed using panel data regression and indirect effect path testing (Sobel test) via EViews 12 software. The empirical findings reveal that operational efficiency (BOPO) paradoxically exerts a significant positive impact on asset growth, proving that directing operating expenses toward productive, targeted allocations effectively fuels bank expansion. In contrast, financing risk (NPF) acts as a severe roadblock, carrying a sharp negative influence on the asset growth rate and confirming that a rise in bad loans directly puts the brakes on asset accumulation. Furthermore, profitability (ROA) successfully serves as a vital mediating bridge for both pathways, significantly connecting BOPO to asset growth as well as bridging the impact of NPF on asset growth. This insight conveys a clear message: strictly controlling operating costs and keeping credit default rates low are essential for improving profitability, which ultimately acts as the main financial driver fuelling sustainable asset growth for Ssharia Commercial Banks (BUS).
Co-Authors Alifatul Afwah Mardhiyaturrositaningsih Muhammad Rasyidin Nur Fatoni Siska Estiningtyas