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All Journal I-Finance Journal Jurnal Tabarru': Islamic Banking and Finance EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Proceeding ISETH (International Summit on Science, Technology, and Humanity) An-Nisbah: Jurnal Ekonomi Syariah
Muharrami, Rais Sani
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Religion Computer Science & IT Economics, Econometrics & Finance Engineering Medicine & Pharmacology Social Sciences Other

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FACTORS AFFECTING STUDENT FINANCIAL BEHAVIOR IN DIGITAL TRENDS Sheda, Ghegana Ariel; Muharrami, Rais Sani
I-Finance Journal Vol 9 No 2 (2023): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v9i2.16879

Abstract

This study discusses the influence of Islamic financial literacy, locus of control and religiosity on student financial management in the digital era. The respondents in this study were Febi students of Raden Mas Said State Islamic University Surakarta with a total of 177 respondents. The data collection process is carried out by disseminating questions and answers using primary quantitative methods through questionnaires. This study used multiple linear regression analysis method. This study concluded that there is a positive and significant influence between sharia financial literacy on financial management, there is a positive and significant influence between locus of control on financial management and no influence on religiosity on student financial management. Based on the results of the research conducted, the R Square value was obtained at 0.244 or 24.4%. While the remaining 75.6% was influenced by other variables that were not examined in this study. These findings can certainly be part of the reference for students in financial management in the digital era. The conclusion is that Islamic financial literacy and locus of control can influence student financial management in the digital era. Meanwhile, religiosity cannot influence student financial management in the digital era.
Kontribusi Perbankan Syariah Dalam Mendukung Terciptanya Green Finance Di Indonesia Avivah, Iin Nur; Muharrami, Rais Sani
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 2 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i2.951

Abstract

Environmental pollution, air pollution and other related problems related to environmental pollution are economic problems. Therefore, policymakers require that economic development must truly implement a green vision in the new era. The proactive role of sharia banking is needed to support the creation of green finance as a lender that will stimulate industry to implement environmental management in concert to sharia maqosid. This research aims to provide a valuable contribution to the existing literature regarding sustainable sharia banking and green finance in the context of sharia banking. By using a qualitative and descriptive approach, this research aims to present an in-depth understanding of sharia banking practices that focus on sustainability and their impact on green finance through library research techniques by exploring the sustainability reports of 8 sharia banking institutions that consistently issue reports, namely : Bank Muamalat, Bank Mega Syariah, Bank Bukopin Syariah, Bank Victoria Syariah, BCA Syariah, BJB Syariah, BTPN Syariah and BSI in the 2020-2022 period. During 2020 – 2022. This research has the results that 8 Sharia Banking in Indonesia are committed to supporting sustainability through sustainable financing and participation in environmental initiatives. Some banks experienced fluctuations in financial performance, while others recorded significant increases in sustainable financing.
THE THE INFLUENCE OF THEORY OF PLANNED BEHAVIOR ADOPTION ON FARMERS’ INTENTION TO USE MUDHARABAH CONTRACT AS AN ISLAMIC BANKING PRODUCT Aryanti, Ivena Defira Selly; Muharrami, Rais Sani
An-Nisbah: Jurnal Ekonomi Syariah Vol 10 No 2 (2023): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v10i2.8546

Abstract

Abstrak: Akad yang digunakan dalam produk perbankan syariah disebut dengan akad mudharabah. Konsumen berperan sebagai pemilik modal (shaibul maal) dalam Akad Mudharabah dan bank berperan sebagai mudharib (pengelola). Risiko ditanggung bersama oleh kedua belah pihak dan keuntungan dibagi sesuai dengan kesepakatan awal. Penelitian ini menguji empat variabel sikap, norma subjektif, kendali perilaku, dan niat untuk mengetahui niat dan perilaku petani dalam memanfaatkan akad mudharabah sebagai produk perbankan syariah. Penelitian ini menggunakan data primer dan populasi penelitian ini adalah petani yang ingin menggunakan akad mudharabah sebagai produk perbankan syariah. Sampel penelitian berjumlah 233 orang yang menjawab kuesioner. Software SmartPLS digunakan untuk menganalisis model pengukuran TPB menggunakan Struktural Equation Modeling (SEM). Berdasarkan penelitian ini ditemukan bahwa variabel sikap, norma subjektif, dan kendali perilaku mempunyai pengaruh yang cukup besar terhadap niat petani namun variabel norma subjektif tidak berpengaruh. Dikarenakan kurangnya pengetahuan petani terhadap perbankan syariah dan kurangnya penyebarluasan pemahaman tentang perbankan syariah terhadap masyarakat. Kesimpulan ini dapat dicapai karena fakta bahwa hal ini disebabkan pendapat orang lain belum terlalu efektif dalam mengubah sentimen petani terhadap akad mudharabah, suka atau tidak suka. Petani yang menggunakan akad mudharabah sebagai salah satu bentuk perbankan shariah harus mempertimbangkan keinginan dan sudut pandangnya sendiri ketika mengembangkan standar subjektif dari jenis produk perbankan ini. Kata kunci: theory of planned behavior, niat petani, akad mudharabah, perbankan syariah Abstract: The contract used in Islamic banking products is called Mudharabah contract. Consumers act as capital owners (shaibul maal) in the Mudharabah contract,while the bank acts as the mudharib (manager). Risks are shared by both parties, and profits are distributed according to the initial agreement. This research examines four variables: attitude, subjective norm, perceived behavioral control, and intention to understand the intention and behavior of farmers in utilizing Mudharabah contract as an Islamic banking product. This study uses primary data, and the population of this research is farmers who want to use Mudharabah contract as an Islamic banking product. The research sample consists of 233 people who answered the questionnaire. SmartPLS software is used to analyze the TPB measurement model using Structural Equation Modeling (SEM). Based on this research, it was found that attitude, subjective norm, and perceived behavioral control have a significant influence on farmers' intention, but the subjective norm variable does not affect it. This is due to farmers' lack of knowledge about Islamic banking and the insufficient dissemination of understanding about Islamic banking to the public. This conclusion can be reached because the opinions of others have not been very effective in changing farmers' sentiments toward Mudharabah contracts, whether they like it or not. Farmers using Mudharabah contracts as a form of Islamic banking should consider their own desires and perspectives when developing subjective standards for this type of banking product. Keywords: theory of planned behavior, farmer”s intention, mudharabah contract, islamic banking
Service Quality, MDR, Ease of Use, QRIS User Satisfaction in Surakarta City Micro Businesses Mualifah, Iklilah Egil; Muharrami, Rais Sani
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2024: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/iseth.5356

Abstract

The purpose of this research is to examine the effect of service quality, MDR, and ease of use on QRIS user satisfaction at micro businesses in Surakarta City. This research uses quantitative methods. The population in this study were micro businesses as QRIS merchants in Surakarta City. Sampling was carried out using random sampling technique, the sample size was 100 respondents. Data collection was carried out by distributing questionnaires directly to respondents. The results of this study state that: (1) service quality with t-Statistic results 2.953 > 1.984, and a probability value of 0.004 < 0.05, meaning that service quality has a positive and significant effect on QRIS user satisfaction in Surakarta City micro businesses. (2) MDR with a t-Statistic result of 6.093 > 1.984, and a probability value of 0.000 < 0.05, meaning that MDR has a positive and significant effect on QRIS user satisfaction in Surakarta City micro businesses. (3) Ease of use with t-Statistic results 2.798 > 1.984, and a probability value of 0.006 < 0.05, meaning that ease of use has a positive and significant effect on QRIS user satisfaction in micro business actors in Surakarta City. The coefficient of determination test shows that variable (X) can affect variable (Y) by 48.5%. Data processing stages with Eviews 12 software include validity and reliability tests, normality tests, multicollinearity tests, heteroscedasticity tests, multiple linear regression analysis, coefficient of determination (R2), T test (Partial).
Effects of Diversification, Bank Size and Bank Competition on Profitability of Islamic Banks Ambawani, Firdaina Nanda Puan; Muharrami, Rais Sani
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2024: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/iseth.5420

Abstract

Purpose: This study aims to analyse the effects of diversification, bank size and bank competition on the profitability of Islamic banks for the period 2019-2023. Methodology: The data was taken from the financial statements published on each bank's website, the Financial Services Authority (OJK), the Central Bureau of Statistics (BPS), and Bank Indonesia. This study uses quantitative research methods with a panel data regression approach. This study covers 10 Islamic banks with the largest assets from 2019-2023. Based on the criteria obtained through purposive sampling method, six samples or 30 data were obtained and data analysis was carried out using eviews 10. Results: Diversification increases the profitability of Islamic banks, with proper diversification banks will minimise the risk of dependence on one product. Bank Size and Bank Competition are negative indicating that in terms of assets and competition these six banks have not controlled the banking market share so that it does not affect the profitability of Islamic banks. Applications/Originality/Value: This study contributes not only to the existing literature, but also paves the way for further research exploring the interplay between diversification, bank size and bank competition in the Islamic banking sector.
Determinants of Financial Performance of Islamic Banking in Indonesia: the Role of Zakat, CSR, and CEI Janah, Anis Zahrotul; Muharrami, Rais Sani
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 11 No. 1 (2025): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jemp.v11i1.718

Abstract

This study examines the effect of zakat, Corporate Social Responsibility, and Corporate Ethical Identity on the financial performance of Islamic banking as proxied by Return on Asset (ROA). This research helps the Financial Services Authority (OJK) policy on the importance of implementing ethical values in Islamic banking. Previous studies have different results from each other, so this study expands the sample from previous studies. Quantitative research is used in this study. The data source of this study is the annual financial statements of ten Islamic Commercial Banks registered with OJK between 2019 and 2023. Literature and documentation studies were used to collect data. The analysis method used is panel data regression analysis method. The results showed that partially the disclosure of zakat has a significant effect on financial performance. While the disclosure of CSR and CEI has no significant effect on financial performance. CSR is measured using Islamic Social Reporting (ISR) and CEI is measured using Ethical Identity Index (EII). In addition, simultaneously Zakat, CSR, and CEI affect financial performance. The findings of this study provide important implications and contributions as a reference for regulators, Islamic bank management, and other stakeholders in developing policies and strategies aimed at strengthening ethical identity and increasing transparency in the disclosure of zakat and CSR. This has led to an increase in stakeholder confidence and the financial performance of Islamic banking in Indonesia.
PENGUKURAN KINERJA BANK MUAMALAT INDONESIA SEBELUM DAN SESUDAH BADAN PENGELOLA KEUANGAN HAJI (BPKH) SEBAGAI PEMEGANG SAHAM PENGENDALI Balqis, Aisyah Nur Sheila; Muharrami, Rais Sani
Jurnal Tabarru': Islamic Banking and Finance Vol. 8 No. 1 (2025): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2025.vol8(1).22102

Abstract

Penelitian ini bertujuan untuk mengukur perbedaan kinerja keuangan Bank Muamalat Indonesia sebelum dan sesudah BPKH menjadi pemegang saham pengendali dengan fokus pada empat faktor utama yaitu Risk Profile, Good Corporate Governance, Earnings, dan Capital. Data yang digunakan bersumber dari laporan keuangan triwulan Bank Muamalat Indonesia yang mencakup periode Triwulan III 2019 hingga Triwulan IV 2023. Metode yang diterapkan dalam penelitian ini adalah analisis komparatif menggunakan pendekatan Risk-Based Bank Rating (RBBR) dengan faktor-faktor RGEC serta pengolahan data menggunakan software Eviews versi 13. Uji normalitas dan Paired Sample T-test dilakukan untuk mengetahui signifikansi perbedaan antar periode. Hasil penelitian menunjukkan bahwa terdapat perbedaan signifikan pada keempat faktor tersebut antara periode sebelum dan sesudah kehadiran BPKH sebagai pemegang saham pengendali. Temuan ini mengindikasikan bahwa BPKH berperan positif dalam meningkatan kinerja keuangan Bank Muamalat Indonesia secara keseluruhan.
Co-Authors Ambawani, Firdaina Nanda Puan Aryanti, Ivena Defira Selly Avivah, Iin Nur Balqis, Aisyah Nur Sheila Janah, Anis Zahrotul Mualifah, Iklilah Egil Sheda, Ghegana Ariel