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Zaelina, Fitri
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Economics, Econometrics & Finance Education

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Intention of Generation-Z for Switching to Islamic Banks In Banten Province A Push-Pull Mooring Approach Pramudya, Aji Kukuh; Zaelina, Fitri
Journal of Business Management and Islamic Banking Vol. 2 No. 2 (2023)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v2i02.2028

Abstract

Research Aims: The purpose of this research is to understand the interest of Generation Z in switching behavior to Islamic banks based on the Push Pull Mooring (PPM) theory. Methodology: The method used in this research is quantitative and the population taken as a sample is Generation Z in Banten Province. The hypothesis in this research is tested using Structural Equation Modelling (SEM) and the SmartPLS 3.0 application, with a sample size of 184 respondents taken using purposive sampling method. Research Findings: The results of the research show that the push and pull factors have a positive and significant effect on switching intention, while the mooring factors do not have an effect on switching intention. Theoretical Contribution/Originalitity: The research focuses on Generation Z in Banten Province, and the findings may not be generalized to other regions or age groups. Additionally, the study relies on self-reported data, which may be subject to respondent bias. Implication: Sharia banks must take the opportunity to develop and offer services that are more in line with religious values and can focus on developing products and services that meet sharia standards and prioritize Islamic ethical values to attract more customers.
Determinants of Liquidity in Islamic Banking: A VECM Analysis of Bank Muamalat (2008–2024) Zaelina, Fitri; Sholekhah, Rohma
Journal of Business Management and Islamic Banking Vol. 4 No. 1 (2025)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2025.0401-06

Abstract

Research Aims: This research aims to examine the impact of Third-Party Funds (DPK), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and inflation on the liquidity of Bank Muamalat over the period 2008–2024.   Design/methodology/approach: This research adopts a quantitative approach. The sample comprises quarterly financial reports of Bank Muamalat and inflation data from Bank Indonesia the period from 2008 to 2024, totaling 68 observations. The hypotheses were tested using the Vector Error Correction Model (VECM) with the aid of the EViews 12 software. Research Findings: The analysis shows that Third-Party Funds (DPK) consistently exert a positive and significant influence on the liquidity of Bank Muamalat in both the short and long term. This indicates that stable deposit growth is essential for maintaining and enhancing the bank’s liquidity position. Additionally, a strong Capital Adequacy Ratio (CAR) significantly contributes to liquidity by improving the bank’s risk management capacity and supporting sustainable growth and operational stability. Conversely, Non-Performing Financing (NPF) does not affect liquidity significantly in the short term, likely due to effective internal risk mitigation policies. However, in the long term, NPF has a positive impact on liquidity, suggesting that the bank’s strategic management of credit risk helps preserve liquidity despite rising non-performing assets.
MEKANISME TRANSMISI KEBIJAKAN MONETER SYARIAH Zaelina, Fitri
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 1 No 1 (2018): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v1i1.4942

Abstract

UU No.3 Tahun 2004 menyebutkan bahwa Bank Indonesia diberi amanah sebagai otoritas moneter ganda yang dapat menjalankan kebijakan moneter konvensional maupun syariah. Maka dari itu isu mekanisme transmisi kebijakan moneter syariah menjadi sangat penting. Penelitian ini bertujuan untuk mengidentifikasi proses transmisi moneter syariah di indonesia. Data yang digunakan dalam penelitian ini merupakan data time series/ runtut waktu bulanan dari bulan januari 2006 hingga april 2016. Metode analisis yang digunakan adalah Vector Auto Reression (VAR). Hasil peneltian menunjukkan bahwa 1) alur transmisi kebijakan moneter syariah dengan tujuan akhir output menunjukkan kesinambungan jalur imbal hasil dari margin acuan SBIS sampai ke output; 2) guncangan SBIS, PLS, Financing direspon positif oleh output (IPI) sedangkan guncangan PUAS direspon negatif oleh output (IPI); dan 3) semua variabel BIRATE, SBIS, PUAS, PLS dan FINC berkontribusi terhadap pertumbuhan ekonomi dan pengurangan inflasi.
Co-Authors Pramudya, Aji Kukuh Sholekhah, Rohma