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p-Index From 2021 - 2026
0.408
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All Journal Business and Economic Publication
Salma Sayed Mahmoud Ahmed
Helwan University
Economics, Econometrics & Finance

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Digitalisasi, Efisiensi Operasional, Profitabilitas, dan Risiko Pembiayaan Bank Syariah Indonesia: Pola Efisiensi-Pertama Ulfatul Khasanah; Faridatun Najiyah; Salma Sayed Mahmoud Ahmed
Business and Economic Publication Vol. 4 No. 2 (2026): Business and Economic Publication
Publisher : Fakultas Ekonomi Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/bep.v4i2.1865

Abstract

This study analyzes the relationship between digitalization and the operational efficiency, profitability, and financing risk of Sharia commercial banks in Indonesia. Its novelty lies in the integrated analysis of BOPO, ROA, and NPF to identify an "efficiency-first" pattern without claiming mediation. The study employs an explanatory quantitative design based on panel data, covering 30 bank-year observations from six Sharia commercial banks over the 2021–2025 period, using fixed-effects estimation. Digitalization is proxied by the ratio of intangible assets to total assets. Based on conventional standard errors, digitalization is negatively associated with BOPO (p = 0.0070), positively but insignificantly associated with ROA (p = 0.0766), and positively associated with NPF (p = 0.0215). However, diagnostic and robustness tests—including leverage analysis, leave-one-bank-out analysis, and wild cluster bootstrapping with full enumeration across six clusters—reveal that the associations with BOPO and NPF do not persist after correcting for the very small number of clusters. These results are also largely driven by a single bank that exhibited extreme values in 2021. Consequently, the "efficiency-first" pattern serves as an initial exploratory signal rather than an established statistical association. Evaluations of digital investments need to integrate indicators regarding usage, efficiency, monetization, financing quality, and risk governance.
Tren Investasi Emas Digital, Minat, dan Perilaku Generasi Milenial dan Z di Indonesia Faridatun Najiyah; Ulfatul Khasanah; Salma Sayed Mahmoud Ahmed
Business and Economic Publication Vol. 4 No. 2 (2026): Business and Economic Publication
Publisher : Fakultas Ekonomi Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/bep.v4i2.1869

Abstract

This study examines digital gold investment trends and their relationship with the investment interest and behavior of millennials and Generation Z in Indonesia. A structured integrative literature review was conducted on 48 selected sources, comprising 35 peer-reviewed articles published in 2020–2026, six foundational articles, six official or regulatory documents, and one theoretical book. Thematic synthesis identified six recurring themes: ease of use, usefulness and flexibility, gold characteristics, financial literacy, social-media influence, and platform security and legality. The evidence indicates that digital convenience expands access, while decision quality remains associated with knowledge, risk perception, information credibility, and legal verification. The study concludes that digital gold growth should be accompanied by transparent costs and risks, clear legal-status verification, and digital financial literacy emphasizing source evaluation.
Co-Authors Faridatun Najiyah Faridatun Najiyah Ulfatul Khasanah Ulfatul Khasanah