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Pengaruh Sales Promotion terhadap Keputusan Penggunaan Fintech Non-Syariah Fathia Rizki Zahra Ratu Sania; Nanik Eprianti; Intan Manggala Wijayanti
Bandung Conference Series: Syaria Banking 121-128
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.24548

Abstract. The dominance of conventional e-wallet platforms in Indonesia's digital payment ecosystem, controlling more than 90% of market share, is largely driven by aggressive sales promotion strategies such as cashback, discounts, and reward points. This phenomenon also appears among twelfth-grade students of MA Plus Al-Islam Garut, a madrasah that formally teaches Islamic transaction jurisprudence (Fiqh Muamalah) yet whose students remain heavy users of non-Sharia fintech products for daily transactions. This study analyzes the influence of Sales Promotion on the decision to use non-Sharia fintech products among twelfth-grade students of MA Plus Al-Islam Garut. A quantitative associative-causal survey used total (saturated) sampling across the population of 67 students. Primary data were collected via a Likert-scale questionnaire and analyzed using simple linear regression after validity, reliability, and classical assumption tests. Results show that Sales Promotion has a positive and significant partial effect on the decision to use non-Sharia fintech products, with a t-count of 3.916, a significance value of 0.000 (< 0.05), and a positive regression coefficient of 0.355. These findings confirm that short-term financial incentives consistently and repeatedly drive madrasah students' usage of conventional platforms, indicating the need for the Sharia fintech industry to design more competitive promotional strategies. Abstrak. Dominasi platform e-wallet konvensional dalam ekosistem pembayaran digital Indonesia, yang menguasai lebih dari 90% pangsa pasar, sangat ditopang oleh strategi sales promotion yang agresif seperti cashback, diskon, dan poin reward. Fenomena ini turut terjadi pada siswa kelas XII MA Plus Al-Islam Garut, madrasah yang secara formal mengajarkan Fikih Muamalah, namun siswanya tetap masif menggunakan produk fintech non-syariah dalam transaksi sehari-hari. Penelitian ini menganalisis pengaruh faktor Sales Promotion terhadap keputusan penggunaan produk fintech non-syariah pada siswa kelas XII MA Plus Al-Islam Garut. Penelitian menggunakan pendekatan kuantitatif dengan desain survei asosiatif kausal dan teknik sampel jenuh terhadap seluruh populasi 67 siswa. Data primer dikumpulkan melalui kuesioner berskala Likert dan dianalisis dengan regresi linier sederhana setelah melalui uji validitas, reliabilitas, dan uji asumsi klasik. Hasil penelitian menunjukkan bahwa Sales Promotion berpengaruh positif dan signifikan secara parsial terhadap keputusan penggunaan produk fintech non-syariah, dengan nilai t hitung 3,916 dan signifikansi 0,000 (< 0,05), serta koefisien regresi positif sebesar 0,355. Temuan ini menegaskan bahwa insentif finansial jangka pendek mampu mendorong perilaku penggunaan siswa madrasah terhadap platform konvensional secara konsisten dan berulang, sehingga industri fintech syariah perlu merancang strategi promosi yang lebih kompetitif.

Pengaruh Transparansi terhadap Minat Anggota Musyarakah BMT KOPISA Margahayu Permai Andhiny Avrilia Rachmaningtyas; Popon Srisusilawati; Intan Manggala Wijayanti
Bandung Conference Series: Syaria Banking 129-136
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.24739

Abstract. This study aims to analyze the effect of transparency on members' interest in using Musyarakah financing products at BMT KOPISA Margahayu Permai. This research employed a quantitative approach with an associative research design. The population consisted of 50 members using Musyarakah financing products, and the sample was selected through purposive sampling. Data were collected using questionnaires and analyzed with IBM SPSS Statistics through validity, reliability, normality, simple linear regression, t-test, and coefficient of determination (R²) analyses. The findings indicate that transparency has a positive and significant effect on members' interest, as evidenced by a t-value of 3.456 and a significance value of 0.001 (<0.05). The coefficient of determination (R Square) of 0.199 indicates that transparency explains 19.9% of the variation in members' interest, while the remaining 80.1% is influenced by other factors outside the scope of this study. These findings suggest that implementing transparency through information disclosure, clear procedures, and easy access to information can increase members' interest in using Musyarakah financing products at BMT KOPISA Margahayu PermaiAbstrak. Penelitian ini bertujuan untuk menganalisis pengaruh transparansi terhadap minat anggota dalam menggunakan produk pembiayaan Musyarakah di BMT KOPISA Margahayu Permai. Penelitian menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Populasi penelitian berjumlah 50 anggota pembiayaan Musyarakah dengan teknik pengambilan sampel purposive sampling. Data dikumpulkan melalui penyebaran kuesioner dan dianalisis menggunakan IBM SPSS Statistics melalui uji validitas, uji reliabilitas, uji normalitas, analisis regresi linear sederhana, uji t, dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa transparansi berpengaruh positif dan signifikan terhadap minat anggota, dengan nilai t hitung sebesar 3,456 dan nilai signifikansi 0,001 (<0,05). Nilai koefisien determinasi (R Square) sebesar 0,199 menunjukkan bahwa transparansi mampu menjelaskan variasi minat anggota sebesar 19,9%, sedangkan 80,1% dipengaruhi oleh faktor lain di luar penelitian. Temuan ini menunjukkan bahwa penerapan transparansi melalui keterbukaan informasi, kejelasan prosedur, dan kemudahan akses informasi dapat meningkatkan minat anggota dalam menggunakan produk pembiayaan Musyarakah di BMT KOPISA Margahayu Permai.

Pengaruh BOPO dan NPF terhadap Net Profit Margin (NPM) Bank Muamalat Tasya Caroline; Ifa Hanifia Senjiati; Intan Manggala Wijayanti
Bandung Conference Series: Syaria Banking 191-200
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.25623

Abstract. The extreme fluctuation in profit margin income at Bank Muamalat during 20182025 underlies this research, with Net Profit Margin (NPM) changing by only 0.5% over eight years indicating the bank’s limited capacity to increase net profit. This condition is influenced by BOPO (Operating Expenses to Operating Income), which tends to rise up to 98% (indicating inefficient cost management), and NPF (Non-Performing Financing), which has declined sharply yet fluctuated. This study aims to analyze the effect of BOPO and NPF on NPM, both partially and simultaneously. This research employs a quantitative method with an associative approach, using secondary data from Bank Muamalat’s quarterly financial reports for 2018–2025. Data analysis includes descriptive statistics, classical assumption tests, multiple linear regression, the coefficient of determination (R²) test, the partial test (t-test), and the simultaneous test (F-test). The results show that BOPO has a negative and significant effect on NPM (regression coefficient -0.019408; probability 0.0011), and NPF also has a negative and significant effect on NPM (regression coefficient -0.017325; probability 0.0016). Simultaneously, BOPO and NPF significantly affect Bank Muamalat’s NPM. These findings confirm that operational efficiency and financing quality control are key factors in improving profitability, so the bank needs to maintain cost efficiency and minimize non-performing financing for optimal financial performance. Abstrak. Fluktuasi ekstrem pendapatan margin keuntungan Bank Muamalat periode 20182025 menjadi latar belakang penelitian ini, di mana Net Profit Margin (NPM) hanya berubah 0,5% dalam 8 tahun menunjukkan keterbatasan bank dalam memperbesar laba bersih. Kondisi ini dipengaruhi oleh BOPO (Biaya Operasional terhadap Pendapatan Operasional) yang cenderung meningkat hingga 98% (indikasi pengelolaan biaya belum efisien), dan NPF (Non Performing Financing) yang menurun tajam namun fluktuatif. Penelitian ini bertujuan menganalisis pengaruh BOPO dan NPF terhadap NPM, baik secara parsial maupun simultan. Penelitian ini menggunakan metode kuantitatif dengan pendekatan asosiatif, menggunakan data sekunder dari laporan keuangan triwulanan Bank Muamalat periode 2018–2025. Analisis data meliputi statistik deskriptif, uji asumsi klasik, regresi linear berganda, uji koefisien determinasi (R²), uji parsial (uji t), dan uji simultan (uji F). Hasil penelitian menunjukkan BOPO berpengaruh negatif dan signifikan terhadap NPM (koefisien regresi -0,019408; probabilitas 0,0011), begitu pula NPF (koefisien regresi -0,017325; probabilitas 0,0016). Secara simultan, BOPO dan NPF berpengaruh signifikan terhadap NPM Bank Muamalat. Temuan ini menegaskan bahwa efisiensi operasional dan pengendalian kualitas pembiayaan merupakan faktor kunci profitabilitas Bank Muamalat, sehingga bank perlu menjaga efisiensi biaya serta meminimalkan pembiayaan bermasalah demi kinerja keuangan yang optimal.

Pengaruh Pemahaman Akad Rahn terhadap Keputusan Nasabah Menggunakan Produk BSI Gadai Emas Derwana Sari; Irma Yulita Silviany; Intan Manggala Wijayanti
Bandung Conference Series: Syaria Banking 201-208
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.25635

Abstract. This study aims to determine customers’ understanding of the Rahn contract and analyze its effect on their decisions to use BSI Gold Pawn at PT Bank Syariah Indonesia Tbk. Pajajaran Sub-Branch Office. This quantitative research used a causal associative design. The population consisted of 509 BSI Gold Pawn customers, with 100 respondents selected using purposive sampling. Data were collected through Likert-scale questionnaires and analyzed using EViews for validity, reliability, classical assumptions, simple linear regression, t-test, and coefficient of determination (R²). The results show that customers’ understanding of the Rahn contract was not evenly distributed: 35% had a good level of understanding, 18% had a moderate level, and 47% had a low level. The regression results indicate that understanding of the Rahn contract has a positive and significant effect on customers’ decisions to use the BSI Gold Pawn product. This is supported by t-value 25.14951 > t-table 1.984 and significance 0.0000 < 0.05. The R² value of 0.865845 indicates that understanding of the Rahn contract explains 86.58% of the variation in decisions, while 13.42% is explained by other factors. Therefore, better understanding of the Rahn contract strengthens customers’ decisions to use the BSI Gold Pawn product. Abstrak. Penelitian ini bertujuan untuk mengetahui tingkat pemahaman nasabah mengenai akad rahn serta menganalisis pengaruh pemahaman akad rahn terhadap keputusan nasabah dalam menggunakan produk BSI Gadai Emas pada PT Bank Syariah Indonesia Tbk. Kantor Cabang Pembantu Pajajaran. Penelitian ini menggunakan pendekatan kuantitatif dengan desain asosiatif kausal. Populasi penelitian terdiri dari 509 nasabah BSI Gadai Emas, dengan sampel 100 responden yang dipilih menggunakan teknik purposive sampling. Data dikumpulkan melalui kuesioner berskala Likert dan dianalisis menggunakan EViews melalui uji validitas, reliabilitas, asumsi klasik, regresi linear sederhana, uji t, dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa pemahaman nasabah terhadap akad rahn belum merata, dengan 35% responden memiliki pemahaman baik, 18% sedang, dan 47% rendah. Hasil regresi menunjukkan bahwa pemahaman akad rahn berpengaruh positif dan signifikan terhadap keputusan nasabah menggunakan produk BSI Gadai Emas. Hal ini dibuktikan dengan t-hitung sebesar 25,14951 > t-tabel 1,984 dan signifikansi 0,0000 < 0,05. Nilai R² sebesar 0,865845 menunjukkan bahwa pemahaman akad rahn menjelaskan 86,58% variasi keputusan nasabah, sedangkan 13,42% dijelaskan faktor lain di luar penelitian. Dengan demikian, semakin baik pemahaman akad rahn, semakin kuat keputusan nasabah menggunakan produk BSI Gadai Emas.

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