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All Journal Maliyah : Jurnal Hukum Bisnis Islam Abdimas Indonesian Journal
Saputra, M. Nasyah Agus
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Religion Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Kinerja Pembiayaan Murâbaḥah di KSPPS BMT NU Sidayu Tahun 2020-2023 Tinjauan Hukum Ekonomi Syariah: Antara Risiko dan Profitabilitas Zaytun, Martha Hermina; Saputra, M. Nasyah Agus; Hafiliyah, Diah Fithrah; Fatichuddin, Achmad
Maliyah : Jurnal Hukum Bisnis Islam Vol. 15 No. 1 (2025): Juni 2025
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/maliyah.2025.15.1.58-82

Abstract

Abstract: This study aims to analyze the effect of murabahah financing volume, murabahah financing risk, and profitability level on the financial performance of KSPPS BMT NU Sidayu during the period 2020–2023, both partially and simultaneously. The data used were obtained from the monthly financial reports of KSPPS BMT NU Sidayu throughout 2020 to 2023. Data analysis was carried out quantitatively using the multiple linear regression method, using the assistance of the SPSS version 26 Windows-based program. The study population included 48 monthly financial report data, with random sample selection. Data analysis shows that individually, murabahah financing volume has a significant positive impact on financial performance, as evidenced by the T-count value that exceeds the T-table value and a significance level below 0.05. Simultaneously, the variables murabahah financing volume, murabahah financing risk, and profitability show a significant relationship with financial performance as indicated by the F-count value that exceeds the F-table and the significance value that meets the criteria. Keywords: Murabahah Financing Volume, Murabahah Financing Risk, Profitability, Financial Performance Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh volume pembiayaan murabahah, risiko pembiayaan murabahah dan tingkat profitabilitas terhadap performa keuangan KSPPS BMT NU Sidayu selama periode 2020–2023, baik secara parsial maupun simultan. Data yang digunakan diperoleh dari laporan keuangan bulanan KSPPS BMT NU Sidayu sepanjang tahun 2020 hingga 2023. Analisis data dilakukan secara kuantitatif dengan metode regresi linier berganda, menggunakan bantuan program SPSS versi 26 berbasis Windows. Populasi penelitian mencakup 48 data laporan keuangan bulanan, dengan pemilihan sampel dilakukan secara acak. Analisis data menunjukkan bahwa secara individu, volume pembiayaan murabahah memberikan dampak positif yang signifikan terhadap kinerja keuangan, dibuktikan dengan nilai T-hitung yang melampaui nilai T-tabel. Serta tingkat signifikansi di bawah 0,05. Secara simultan, variabel volume pembiayaan murabahah, risiko pembiayaan murabahah, dan profitabilitas menunjukkan hubungan yang signifikan dengan kinerja keuangan sebagaimana ditunjukkan oleh nilai F-hitung yang melampaui F-tabel dan nilai signifikansi yang memenuhi kriteria. Kata Kunci: Volume Pembiayaan Murabahah, Risiko Pembiayaan Murabahah, Profitabilitas, Kinerja Keuangan.
Pengenalan Literasi Keuangan Digital Pada Generasi Z di SMK Assa’adah Bungah Gresik Saputra, M. Nasyah Agus; Alauddin, KH. Muhammad; Afrianti, Dwi; Hasanah, Niswatun; Alfiyan, Fri Haendid; Zaytun, Martha Hermina
Abdimas Indonesian Journal Vol. 4 No. 2 (2024)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/aij.1545

Abstract

The rapid development of financial technology has intensified the use of digital financial services among Generation Z. However, this trend is not fully accompanied by adequate financial management capabilities, resulting in a gap between technological access and financial literacy. This community service activity aims to enhance digital financial literacy among twelfth-grade students at SMK Assa’adah Bungah Gresik in order to foster rational, adaptive, and long-term financial behavior. The study employs an educational and participatory approach through the delivery of instructional materials, interactive discussions, and experience-sharing activities involving university students as facilitators of contextual learning. The findings indicate that although students demonstrate a high level of familiarity with digital financial services, their understanding remains largely limited to technical aspects and has not fully encompassed conceptual dimensions such as financial planning and the control of consumptive behavior. Post-activity evaluation reveals an improvement in students’ financial understanding and awareness. These results confirm that the educational and participatory approach is effective in bridging the gap between the use of financial technology and financial management capabilities. Overall, this activity contributes to strengthening the financial readiness of vocational high school students as part of Generation Z in facing the challenges of the digital economy and highlights the importance of developing sustainable, contextual, and experience-based digital financial literacy programs.
Meningkatkan Kesadaran Finansial Digital pada Generasi Z melalui Kegiatan Sosialisasi di SMK Sunan Drajat 3 Babak Bawo Dukun Saputra, M. Nasyah Agus; Afrianti, Dwi; Fitriyah, Lailatul; Sahliyah, Fatihatus; Febrianty, Narissa; Zahroh, Nata
Abdimas Indonesian Journal Vol. 5 No. 1 (2025)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/aij.1546

Abstract

Continuous developments in digital technology have led to an increasing use of application-based financial services among Generation Z. However, this trend has not been fully accompanied by adequate financial management capabilities, resulting in a gap between technological access and financial literacy. This community service activity aims to enhance digital financial literacy among twelfth-grade students at SMK Sunan Drajat 3 Babak Bawo Dukun in order to foster rational, adaptive, and long-term financial behavior. The study employs an educative-participatory approach through the delivery of instructional materials, interactive discussions, quizzes, and experience sharing, involving university students as facilitators of contextual learning. The findings indicate that although students demonstrate a high level of familiarity with digital financial services, their understanding remains largely limited to technical aspects and has not fully encompassed conceptual dimensions such as financial planning, consumption control, and saving behavior. Post-activity evaluation reveals an improvement in students’ financial understanding and awareness. These results confirm that the educative-participatory approach is effective in bridging the gap between the use of financial technology and financial management capabilities. Overall, this activity contributes to strengthening the financial readiness of vocational high school students as part of Generation Z in facing the challenges of the digital economy and highlights the importance of developing sustainable, contextual, and experience based digital financial literacy programs.
Co-Authors Afrianti, Dwi Alauddin, KH. Muhammad alfiyan, fri haendid Fatichuddin, Achmad Febrianty, Narissa Hafiliyah, Diah Fithrah Lailatul Fitriyah Niswatun Hasanah Sahliyah, Fatihatus Zahroh, Nata Zaytun, Martha Hermina