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Pengaruh Pendapatan, Religiusitas, dan Literasi Keuangan terhadap Keputusan Menabung di Bank Syariah, Bungo, Jambi. Furnawati, Raudhah; Ferawati, Rofiqoh; Mubyarto, Novi
Jurnal Paradigma Ekonomika Vol. 17 No. 4 (2022): Jurnal Paradigma Ekonomika
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jpe.v17i4.21173

This study aims to determine partially and simultaneously whether or not the variables of income, religiosity and financial literacy influence the decision to save in Islamic banks. This research is a quantitative research. With primary and secondary data collected. The data collection technique obtained is by means of a questionnaire (questionnaire) and data on the development of Islamic banking on the official website of the Financial Services Authority (OJK). The people of Bungo Regency who already have savings in Islamic banks are the sample in this study, amounting to 100 people. The analysis used is multiple linear regression analysis with the help of SPSS. This study resulted in four things, namely: (1) there is a positive influence between income variables on the decision to save in Islamic banks (2) there is a positive influence between the religiosity variable on the decision to save in Islamic banks, (3) there is a positive influence between literacy variables financial decisions on saving decisions in Islamic banks and (4) indicate that income, religiosity, and financial literacy (simultaneously) have a positive effect on decisions to save in Islamic banks as much as 79.1%, the remaining 20.9% is influenced by other factors that not investigated in this study.

The Influence of Leadership, Work Motivation, and Compensation on Employee Performance through Job Satisfaction as an Intervening Variable at Bank Syariah Indonesia KC Gatot Subroto Jambi Fitria, Savira; Mubyarto, Novi; Nengsih, Titin Agustin; Anita, Efni; Rahma, Sri; Munsarida
International Journal of Economics (IJEC) Vol. 3 No. 1 (2024): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i1.875

This study examines the direct and indirect effects of the variables of Leadership, Work Motivation, and Compensation on Employee Performance through Job Satisfaction as an intervening variable. This research is a quantitative study using the Total Sampling method with 45 respondents. Data analysis is conducted using the Structural Equation Modeling (SEM) analysis with Smart-PLS computer program. The results of this study are as follows: 1) Leadership has a positive and significant effect on Job Satisfaction 2) Work Motivation does not have a significant effect on Job Satisfaction 3) Compensation has a positive and significant effect on Job Satisfaction 4) Leadership has a positive and significant effect on Employee Performance 5) Work Motivation has a positive and significant effect on Employee Performance 6) Compensation does not have a significant effect on Job Satisfaction 7) Job Satisfaction has a positive and significant effect on Employee Performance 8) Job Satisfaction is able to influence the relationship between Leadership and Employee Performance 9) Job Satisfaction is not able to influence the relationship between Work Motivation and Employee Performance 10) Job Satisfaction is able to influence the relationship between Compensation and Employee Performance.

Risk Profile and Profitability on Mudharabah Financing at Bank Muamalat, Is There any Relation? Dani, Rian; Mubyarto, Novi; Nengsih, Titin Agustin
Bukhori: Kajian Ekonomi dan Keuangan Islam Vol. 3 No. 2 (2024): Januari
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/bukhori.v3i2.2809

Purpose: To find out whether there is an influence of the NPF and ROA variables on Mudharabah Financing at Bank Muamalat. If the NPF is greater, the Mudharabah Financing problems will increase and if the ROA is lower, the Mudharabah Financing will decrease further. Methodology/approach: Type of research used in this research was quantitative research. Source of Data used in this research was secondary data that obtained from quarterly financial reports published by Bank Muamalat for 2015-2022. Data analysis technique used in this research was Multiple Linear Regression Analysis. Results/findings: NPF partially has a significant negative effect on Mudharabah Financing with a sig value. Amounting to 0.024<0.05, the t-statistic value is -2.391. ROA partially has a significant positive effect on mudharabah financing with a sig value. Amounting to 0.002<0.05, and the t-statistic value is 3.355. NPF ROA together influences the dependent variable Mudharabah Financing with a sig value. 0.001<0.05. Limitations: This research is limited to Internal Bank variables such as NPF and ROA, which influence Mudharabah Financing. Other Internal and External Bank variables influence Mudharabah Financing. Contribution: Bank Muamalat Management must maintain the NPF ratio value of <2%, which has been determined by Bank Indonesia, so that the bank is in a healthy condition and can maintain the value of Mudharabah Financing. Bank Muamalat Management must raise more funds so that the bank has the opportunity to expand financing because ROA has a significant positive effect on Mudharabah Financing.

The Role of Sharia-Compliant Financial Institutions in Promoting Economic Stability: Insights from Recent Scholarly Contributions Nazori, Nazori; Rafidah, Rafidah; Mubyarto, Novi; Mutia, Agustina; Rosmanidar, Elyanti
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.1157

This research examines the role of Islamic financial institutions in promoting economic stability through a literature study of recent scholarly contributions. Islamic financial institutions are seen as alternative financial instruments that operate under Islamic principles, which prohibit usury, excessive speculation, and non-transparent activities. This research aims to understand the mechanisms used by Islamic financial institutions in creating economic stability and evaluate the latest empirical evidence supporting such contributions. The research method used is a literature study with a qualitative approach, where various journals and research reports on Islamic finance, economic stability, and monetary policy are reviewed and analysed. The results show that Islamic financial institutions play an important role in economic stability through asset-based financing, portfolio diversification, as well as the application of risk management in accordance with Islamic principles. This research contributes to providing policy makers, academics, and financial practitioners with a deeper understanding of the potential of Islamic financial institutions as instruments that can strengthen economic stability.

Pengaruh Religiusitas, Uang Saku Dan Status Sosial Ekonomi Orang Tua Terhadap Konsumsi Santri Ponpes Darul Arifin Jambi Safitri, Leni; Mubyarto, Novi; -, Habriyanto
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.12278

The purpose of this study was to identify the influence of faktor s of religiosity, pocket money, and socioeconomic status of parents on the consumption patterns of students at Darul Arifin Jambi Islamic Boarding Schoo both partially and simultaneously. The purpose of this research is to increase knowledge and insight in the field of consumption patterns, both for researchers and those who need the information. In this study, researchers tried to find solutions to the problems of students who stil have consumptive behavior. The type of research used in this study is descriptive quantitative research. The population in this study was the students of Darul Arifin Jambi Islamic Boarding School, which totaled 1,237 students. In this study, researchers used the Slovin formula obtained 166 people as samples. Data collection techniques are carried out through the use of questionnaires, documentation, and observation. The data analysis techniques used in this study include data quality tests, classica assumption tests, multiple linear regression, t tests, F tests, and coefficients of determination. The results of the regression test showed that the three independent variables had a significant influence on Consumption Patterns. The regression coefficients of Religiosity, Pocket Money, and Socioeconomic Status of Parents were 0.290, 0.132, and 0.202, respectively. Partia testing shows that individually, the three independent variables also have a significant influence on Consumption Patterns. Test F shows that simultaneously, the three independent variables together have a significant effect on Consumption Patterns. An Adjusted R2 value of 40.5% indicates that the independent variable can explain 40.5% of the variation in Consumption Patterns, while 59.5% is influenced by other variables outside the research model. This study concluded that religiosity, pocket money, and socioeconomic status of parents have a significant effect on the consumption patterns of students at Darul Arifin Jambi Islamic Boarding School. Jointly or simultaneously, these three variables influence consumption patterns, besides that in the sobe test it is known that pocket money acts as a mediator in the influence of socioeconomic status of parents on consumption patterns.

Pengaruh Ukuran Perusahaan, Profitabilitas, Dan Leverage Terhadap Manajemen Laba Pada Perusahaan Manufaktur Yang Terdaftar Di ISSI Periode 2019-2023 Triani, Cindy; Mubyarto, Novi
Jurnal Pendidikan Tambusai Vol. 9 No. 1 (2025)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Pertumbuhan ekonomi Indonesia membuka peluang bagi manajer untuk mengembangkan perusahaan mereka, yang menjadikan pengelolaan kinerja perusahaan sangat bergantung pada laporan keuangan. Salah satu praktik yang dapat memengaruhi kinerja keuangan perusahaan adalah manajemen laba, yang bertujuan untuk mengubah laporan keuangan agar tampak lebih menguntungkan atau stabil. Penelitian ini bertujuan untuk menguji pengaruh ukuran perusahaan, profitabilitas, dan leverage terhadap praktik manajemen laba pada perusahaan manufaktur yang terdaftar di ISSI periode 2019-2023. Dengan menggunakan metode kuantitatif, data dianalisis secara statistik untuk menguji hipotesis yang diajukan. Hasil penelitian menunjukkan bahwa ukuran perusahaan dan profitabilitas memiliki pengaruh positif dan signifikan terhadap manajemen laba, sementara leverage tidak memiliki pengaruh signifikan terhadap praktik manajemen laba. Temuan ini mengindikasikan bahwa perusahaan yang lebih besar dan lebih menguntungkan cenderung lebih terlibat dalam manajemen laba untuk menjaga kinerja keuangan mereka, sementara perusahaan dengan leverage yang wajar tidak termotivasi untuk melakukan hal yang sama. Penelitian ini menyarankan bahwa perusahaan perlu mempertimbangkan hubungan antara ukuran, profitabilitas, dan leverage saat membuat keputusan strategis untuk mengelola laba secara lebih transparan dan efisien.

COASTAL HEROINE: HALAL KNOWLEDGE TRANSFORMATION OF WOMEN ENTREPRENEURS IN THE EAST COAST OF SUMATRA Mubyarto, Novi; Martaliah , Nurfitri; Ramli , Fauzan; Saadah, Mar Atun; Safitri , Yuliana
Jurnal Dinamika Ekonomi Syariah Vol 12 No 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Institut Agama Islam Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1365

Study aims to analyze the transformation of halal product assurance knowledge from training and implementation of halal assurance systems in the coastal areas of Sumatra. Processed seafood products in Tungkal Ilir Subdistrict, Tanjung Jabung Timur Regency have not been able to access a wide market share due to the lack of halal assurance knowledge which has an impact on the absence of Halal Certificates. By applying qualitative methods, researchers conducted participatory observations and focused discussions with female entrepreneurs. The results of this study indicate that the transformation of knowledge about halal product assurance changes at least five aspects in the production of processed seafood in this area. There is an increase in knowledge about the urgency of halal certification, halal sharia provisions and knowledge about the halal certification process. Halal knowledge which was originally limited to raw materials has increased to an understanding of the criteria for auxiliary materials, production processes, product naming to the monitoring and evaluation process of halal assurance implementation. In addition, there is also a change in behavior that was originally unable to process halal certification, to being able to access the halal page and fill in SJPH files online.

COASTAL HEROINE: HALAL KNOWLEDGE TRANSFORMATION OF WOMEN ENTREPRENEURS IN THE EAST COAST OF SUMATRA Mubyarto, Novi; Martaliah , Nurfitri; Ramli , Fauzan; Saadah, Mar Atun; Safitri , Yuliana
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1365

Study aims to analyze the transformation of halal product assurance knowledge from training and implementation of halal assurance systems in the coastal areas of Sumatra. Processed seafood products in Tungkal Ilir Subdistrict, Tanjung Jabung Timur Regency have not been able to access a wide market share due to the lack of halal assurance knowledge which has an impact on the absence of Halal Certificates. By applying qualitative methods, researchers conducted participatory observations and focused discussions with female entrepreneurs. The results of this study indicate that the transformation of knowledge about halal product assurance changes at least five aspects in the production of processed seafood in this area. There is an increase in knowledge about the urgency of halal certification, halal sharia provisions and knowledge about the halal certification process. Halal knowledge which was originally limited to raw materials has increased to an understanding of the criteria for auxiliary materials, production processes, product naming to the monitoring and evaluation process of halal assurance implementation. In addition, there is also a change in behavior that was originally unable to process halal certification, to being able to access the halal page and fill in SJPH files online.

ANALISIS PENGARUH KUALITAS PELAPORAN KEUANGAN DAN MATURITAS UTANG TERHADAP EFISIENSI INVESTASI (Studi Kasus Pada Perusahaan Pertambangan Go Public yang terdaftar di Bursa Efek Indonesia Tahun 2017-2019) lindary, Whilma; Mubyarto, Novi; Zahara , Anzu Elvia
Manajemen Keuangan Syariah Vol. 2 No. 1 (2022): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v2i1.1178

The purpose of this research is to see how financial reporting quality and debt maturity affect investment efficiency.This research used a sample of publicly traded companies that were listed on the Indonesia Stock Exchange from 2017 to 2019.There are 17 companies that meet the criteria based on the purposive sampling method.The model Common Effect was chosen for this analysis using panel data regression analysis.These results show that the quality of financial reporting and debt maturity have a significant impact on the investment efficiency in mining companies publicly traded on the Indonesia Stock Exchange from 2017 to 2019.

PENGARUH PERILAKU KONSUMEN DAN KEPUASAN KONSUMEN TERHADAP KEPUTUSAN PEMBELIAN BUSANA MUSLIMAH PADA ONLINE SHOP Novita, Sherly; Anita, Efni; Mubyarto, Novi; Munsarida, Munsarida
Manajemen Keuangan Syariah Vol. 2 No. 1 (2022): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v2i1.1215

This study aims to determine the effect of consumer behavior and consumer satisfaction on purchasing decisions. This study uses quantitative methods and the type of data used is primary data, which is obtained from the results of distributing online questionnaires to respondents. These results can be seen partially. (T test) between Consumer Behavior and Consumer Satisfaction with Purchase Decision shows the value of tcount 4.107 > ttable 1.986. Between Consumer Satisfaction with Purchase Decision shows the value of tcount 5,208 < ttable 1,986. Simultaneously, this is evidenced by the results of fcount of 32,000>ftable with a significant value (sig) of 0.000. Because the sig value is much smaller than 0.05, the regression model can be used to predict that consumer behavior and consumer satisfaction simultaneously affect purchasing decisions. While the most dominant variable influencing purchasing decisions is customer satisfaction with a significant value obtained of 0.000 <0.05

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