Article Per Year (5 Year)
p-Index From 2020 - 2025
1.203
P-Index
This Author published in this journals
All Journal JURNAL ILMIAH FEASIBLE (JIF) Indonesian Journal of Islamic Business and Economics (IJIBE) Mabsya : Jurnal Manajemen Bisnis Syariah AKM: Aksi Kepada Masyarakat Ijtimā`iyya: Journal of Muslim Society Research Kubis
Raharja, Mahardhika Cipta
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

Published : 8 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search
Journal : Indonesian Journal of Islamic Business and Economics (IJIBE)

 1 
The Effect of Religiosity, Literacy and Perception Levels on Students Interest in Saving in Islamic Banking Janah, Fadilla Fatkhul; Raharja, Mahardhika Cipta
Indonesian Journal of Islamic Business and Economics (IJIBE) Vol 5 No 1 (2023): IJIBE
Publisher : Islamic Economic Scholar Association and Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.ijibe.2023.5.1.8738

Abstract

Sharia banks are banks that carry out their business activities based on Sharia principles. The market share of Islamic banks is still relatively low. Therefore, it is necessary to play an active role in all elements, one of which is Islamic banking academics. This study aims to determine the influence of religiosity, Islamic banking literacy, and perceptions of students' interest in saving in Islamic banking. The population in this study was students of the Sharia Banking Study Program, Faculty of Economics and Islamic Business, State Islamic University, Professor Kiai Haji Saifuddin Zuhri Purwokerto, the sample used was 89 respondents. Research methods using quantitative methods, data collection techniques using questionnaires, and documentation. Hypothesis testing using t-test and F-test using SPSS 21 tool. The results showed that: (1) Religiosity affects the interest in saving in Islamic banking. (2) The level of Islamic banking literacy does not affect the interest in saving in Islamic banking. (3) The level of perception affects the interest in saving in Islamic banking. (4) Religiosity (X1), literacy (X2), and perception (X3) simultaneously affect interest in saving (Y) in Islamic banking. Based on these results, it can be said that the higher a person's level of religiosity, the higher one's interest in saving, then not only people who have literacy related to Islamic banking will be interested in saving in Islamic banking and better one's perception of Islamic banking, the higher one's interest in saving will be.
Intention of MSME in Rural Area Using Sharia Financing: The Influence of Sharia Financial Literacy, Entrepreneurial Characteristics, and Business Characteristics Raharja, Mahardhika Cipta; Fahya, Angelliana Nur; Diana, Azka Nur
Indonesian Journal of Islamic Business and Economics (IJIBE) Vol 7 No 1 (2025): IJIBE
Publisher : Islamic Economic Scholar Association and Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.ijibe.2025.7.1.13043

Abstract

This study aims to determine the effect of sharia financial literacy, entrepreneurial characteristics and business characteristics on intention in using sharia financing. this research is a quantitative study with data collection techniques through distributing questionnaires to respondents. The population in this study are MSME players in the Purwokerto area who know about sharia financing. The sampling technique used Accidental Sampling technique with 110 respondents. Data processing in this study used multiple linear regression analysis using the SPSS program. Based on the results of the study, it can be concluded that sharia financial literacy has no effect on intention in using sharia financing with a significant value of 0.128 > 0.05. Entrepreneurial characteristics affect the intention in using sharia financing with a significant value of 0.006 < 0.05. And business characteristics have no effect on intention in using sharia financing with a significant value of 0.069 > 0.05.
Co-Authors Adiartanti, Yola Agustin, Indriana Fira Veronica Aprilia, Kirey Azah, Istiani Nurul Dani Kusumastuti Kusumastuti Diana, Azka Nur Fahya, Angelliana Nur Febriaeni, Riska Linda Hilyatin, Dewi Laela Janah, Fadilla Fatkhul Lestari, Sagita Agus Maamor, Selamah Melani, Indah Riadi, Rian Sugeng Sholiha, Yuzi Maulia Siti Nur Fatimah Siti Nurhalimah Tegar, Agung Yulian, Tri Nurindahyanti