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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah el-Jizya: Jurnal Ekonomi Islam
Emy Widyastuti
Unknown Affiliation
Economics, Econometrics & Finance Social Sciences

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Analisis Pengaruh Literasi Keuangan Digital terhadap Minat Mahasiswa dalam Penggunaan Layanan E-Banking Nanda Ristiana; Emy Widyastuti
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (368.441 KB) | DOI: 10.30651/jms.v7i1.10242

Abstract

AbstrakSaat ini digital informasi serta komunikasi sangat dibutuhkan bagi kehidupan manusia. Penelitian ini mempunyai tujuan menganalisis pengaruh literasi keuangan digital terhadap minat penggunaan layanan e-banking bank umum syariah pada mahasiswa IAIN Salatiga melalui persepsi kemudahan, persepsi kemanfaatan, dan kepercayaan. Metode yang digunakan dalam penelitian ini adalah uji asumsi klasik dan analisis jalur (path analysis). Sampel yang digunakan sebanyak 100 responden dengan menggunakan teknik proportionate stratified random sampling. Berdasarkan hasil pengujian, diperoleh hasil bahwa persespi kemudahan, persepsi kemanfaatan, dan kepercayaan berpengaruh positif terhadap minat penggunaan layanan e-banking, sedangkan persepsi kemudahan, persepsi kemanfaatan tidak berpengaruh positif terhadap kepercayaan. Kepercayaan dapat memediasi hubungan antara persepsi kemudahan terhadap minat, kepercayaan tidak dapat memediasi hubungan antara persepsi kemanfaatan terhadap minat.Kata Kunci: Literasi Keuangan Digital, Persepsi Kemudahan, Persepsi Kemanfaatan, Minat Penggunaan, Kepercayaan.
Urgensi Optimalisasi Pembiayaan Mudharabah sebagai Core Product Perbankan Syariah Indonesia Emy Widyastuti
el-Jizya : Jurnal Ekonomi Islam Vol 8 No 2 (2020): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (305.69 KB) | DOI: 10.24090/ej.v8i2.4024

Abstract

This study aims to examine the urgency of optimizing mudharabah financing as a core product of Islamic banking in Indonesia. Mudharabah financing is one of the financing products in Islamic banking that uses a profit sharing scheme (PLS-Profit and Loss Sharing). This profit sharing becomes the identity of an Islamic bank and distinguishes it from the interest on conventional banks. In practice, mudharabah financing is rarely implemented and has the smallest proportion of the total financing channeled by Islamic banking. The method used in this research is exploratory descriptive qualitative to examine the urgency of optimizing the Islamic banking mudharabah financing in Indonesia. OJK (Financial Services Authority) data for 2019 shows the amount of mudharabah financing disbursed amounted to 5.41 trillion while murabahah financing amounted to 121.04 trillion of the total financing amounting to 219.67 trillion. This alarming condition requires all parties to participate in efforts to optimize mudharabah financing as productive financing which is believed to be ideal by fiqh experts because of the fairness in it. Keywords: mudharabah financing, Islamic banking, Islamic economics
Co-Authors Nanda Ristiana