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All Journal Jurnal Administrasi Bisnis Jurnal Ilmiah Ekonomi Islam EQIEN - JURNAL EKONOMI DAN BISNIS TSAQAFAH MALIA: Journal of Islamic Banking and Finance Share: Jurnal Ekonomi dan Keuangan Islam Jurnal Bisnis dan Kewirausahaan
Maharany, Indah Dewi
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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PERAN MEDIASI TRUST TERHADAP KEPUTUSAN MEMBUKA REKENING BANK DIGITAL PADA GEN Z maharany, indah dewi; Nurul Husna, Habsyi; Azfa Hani, Aulia; Musyafak, Ali
Jurnal Bisnis dan Kewirausahaan Vol. 12 No. 4 (2023): Jurnal Bisnis dan Kewirausahaan
Publisher : Lembaga Penelitian, Publikasi dan Pengabdian pada Masyarakat (LP3M) Nobel Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37476/jbk.v12i4.4674

Abstract

This research aims to determine the influence of independent variables, namely knowledge, user interface and ease on the dependent variable, namely the decision of Gen Z in Kudus district to open a digital bank account through trust as an intervening variable. The research method used in this research is a quantitative method with an associative approach. Data collection was carried out through a Google Form questionnaire which was distributed to digital banking users from Gen Z in Kudus Regency. A total of 100 questionnaires were used and analyzed using the Partial Least Square-Structural Equation Model (PLS-SEM). The findings in this research show that ease and trust have a positive influence on generation Z's decision to open a digital bank account in Kudus Regency. However, on the contrary, knowledge and user interface actually weaken the level of Gen Z's decision to open a digital bank account. Furthermore, knowledge and user interface have a significant effect on Gen Z's trust in opening a digital bank account in Kudus Regency and conversely, ease has no effect on Gen Z's trust in Kudus Regency in opening a digital bank account. Apart from that, trust is able to mediate knowledge and user interface in customer decisions in opening a digital bank account. On the other hand, trust is unable to mediate ease in customers' decisions in opening digital bank accounts.
The Influence of Sharia Financial Literacy, Service Quality and Trust on Savings Decision at Sharia Bank Maharany, Indah Dewi; Fuadiya, Alina; Adiratna, Arvia; Novita, Novita
MALIA: Journal of Islamic Banking and Finance Vol 8, No 2 (2024): MALIA: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v8i2.27728

Abstract

Currently, sharia finance is growing rapidly with the increase in sharia financial institutions offering financial products and services based on Islamic law. However, low knowledge of sharia finance will affect the use and utilization of sharia financial services. The company realizes the importance of service quality in the sales activities of the products and services offered. By building a sense of trust between the bank and the customer, it will be possible to establish a strong relationship in a banking business. If customers have a sense of trust and satisfaction with a company's services, it means they have high confidence so they are able to make the right decisions. The sampling method in this research uses the Purposive Sampling method which is used to collect quantitative data from research studies. The objective of this study is to determine the influence of sharia financial literacy, trust and service quality on the decision to open an account at a sharia bank for IAIN Kudus students. The data collection technique is by conducting a questionnaire on a sample of 200 respondents using the Lemshow method calculation. The research results show that sharia financial literacy, trust and service quality have a positive and significant effect on the decision to open a sharia bank account for IAIN Kudus students.
A Comparative Analysis of Risk and Return Stocks: Sharia and Conventional Banking Maharany, Indah Dewi
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13809

Abstract

The development of the capital market in Indonesia grows rapidly in the last few years. One of the sectors that investors are interested in is banking, both sharia and conventional. Investors must pay attention to two things, namely risk and return. This research aims to collect empirical evidence regarding the differences in return and risk of BRIS and BTPN stocks listed on Indonesia Stock Exchange (IDX), 2021 – 2023. The data analysis technique for this research uses descriptive statistical analysis, analytical prerequisite tests and hypothesis test. The results of expected return on BRIS stock was 7.96%, while the expected return on BTPN stock was 2.84%. The risk level for BRIS stock over a period of 36 months was 6.33%, while the risk level for BTPN was 3.0%. Based on research, the results show that there is a significant difference between the return and risk of BRIS and BTPN stocks during the 36 month period from January 2021 to December 2023.
Analisis Perhitungan Cost-Volume-Profit Sebagai Alat Bantu Perencanaan Laba Perusahaan Maharany, Indah Dewi; Hidayah, Nurul
Eqien - Jurnal Ekonomi dan Bisnis Vol 14 No 01 (2025): Journal of Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam DR KH EZ Mutaqien

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34308/eqien.v14i01.1944

Abstract

The aim of the research is to determine the Cost-Volume-Profit analysis of Furniture UMKM in Jepara. This type of research is in the form of quantitative data, namely the amount of expenses that will take place during 2023. The results of the analysis show that the company has a contribution margin of IDR 1,984,576,347 with a ratio of 25%, indicating that every IDR 1 of sales contributes 25% to cover fixed costs and profits. The break-even point was recorded at IDR 6,948,262,151, indicating that from total sales of IDR 7,876,000,000, IDR 6,948,262,151 was needed to reach break-even. The Margin of Safety reached IDR 927,737,849, providing room for the company to experience a sales decline of that size without experiencing a loss. Degree of Operating Leverage reaching 7.25 indicates high sensitivity of operating profit to changes in sales. Profit target analysis shows that the company needs to achieve sales of IDR 8,178,867,936 to obtain the expected profit of IDR 240,562,547. The conclusions from this analysis provide a basis for companies to plan more optimal profit targets to ensure business sustainability in the coming year.
Harmoni Falsafah Adat Basandi Syarak-Syarak Basandi Kitabullah, Kearifan Lokal Tungku Tigo Sajarangan dan Keberlanjutan Ekonomi di Ranah Minangkabau Cahya, Bayu Tri; Maharany, Indah Dewi; Restuti, Dwi Putri
TSAQAFAH Vol. 21 No. 1 (2025): Tsaqafah Jurnal Peradaban Islam
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v21i1.13238

Abstract

The philosophy of Adat Basandi Syara' - Syara' Basandi Kitabullah is the culmination of the interaction, integration, and affiliation of Minangkabau customs that have existed since the ancestors and Islam that emerged later. At the level of implementation, this concept can be used as a pattern to improve the welfare of the people by focusing on the local economy, which is still based on the philosophy of adat. This research aims to explore practical concepts to enhance the role of Tungku Tigo Sajarangan in the sustainability of the local economy based on customary philosophy. This research uses a qualitative and phenomenological approach. The results from this study indicate that the Convergence of Tungku Tigo Sajarangan Based on Indigenous Philosophy indicates three points: Emphasizes the common interest based on the Quran and Hadith, the synergy of the three forces of the Minangkabau leadership system, and the Democratic leadership style reflected in deliberation. Further results found that the Foundation of Local Wisdom in Economic Sustainability in West Sumatra by the local government tries to restrict big retailers' domination, Local wisdom brought by the local tribe (minang) human intelligence, and those conditions create a competitive rivalry.
The Impact of Islamicity Performance Index and Non-Performing Financing on Profitability of Islamic Banking in Indonesia Period 2014-2023 Mabruroh, Siti; Maharany, Indah Dewi
Jurnal Administrasi Bisnis Vol 14, No 2 (2025): In Progress
Publisher : Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jab.v14i2.70987

Abstract

Along with other variables like Non-Performing Financing (NPF), the study's objective is to ascertain how the Islamic Performance Index (IPI), which is represented by the Profit-Sharing Ratio (PSR), Zakat Performance Ratio (ZPR), and Islamic Income vs. Non-Islamic Income Ratio (IsIR) affects Return on Asset (ROA). This study uses purposive sampling and is causally associative in nature. The financial statements of Islamic Business Units (UUS) and Islamic Commercial Banks (BUS) submitted to the Financial Services Authority (OJK) on December 31, 2023, provided the secondary data for the study.  In the meantime, 2014–2023 is the time frame.  Although there are 33 banks in the entire population, a sample of 21 banks was selected using 210 data observations after several criteria were established. According to the study's findings, ROA was unaffected by PSR and IsIR factors. Whereas the NPF variable significantly and negatively affects ROA, the ZPR variable significantly and favourably affects ROA. Those findings reveal that Islamic banks that can distribute zakat are banks with good profitability and financial success. In Islamic banks with increasingly high NPF, the bank loses the opportunity to obtain profit and loses the funds used to cover NPF, thereby reducing profitability.
Islamic Capital Market Reactions to Political Transition: Evidence from Indonesia's 2024 Presidential Election Suhadi, Suhadi; Maharany, Indah Dewi
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 14 No. 2 (2025): IN PROGRESS
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.28398

Abstract

This study conducts an event analysis on the impact of the official announcement of the 2024 Indonesian presidential election results by the General Elections Commission (KPU) on stock market performance. The objective is to investigate changes in abnormal returns (AR) and trading volume activity (TVA) during an 11-day event window (±5 days surrounding the announcement date) and a 60-day estimation period. The sample comprises 30 companies listed on the Jakarta Islamic Index (JII), representing nine industry sectors, selected through saturated sampling. Analytical methods include the Paired T-test and the Wilcoxon Signed Rank Test to examine statistical differences in AR and TVA before and after the event. The findings reveal no significant difference in AR for the JII overall, although the consumer non-cyclicals sector displays a noteworthy deviation. In contrast, a significant change in TVA is observed, particularly within the basic materials sector. These results underscore the importance for investors in the Islamic capital market to remain attentive to political developments that may affect asset performance. The study provides meaningful insights for investors, regulators, and academics regarding portfolio diversification and risk management in the context of political uncertainty, contributing to the broader discourse on Islamic capital markets. Abstrak Reaksi Pasar Modal Syariah terhadap Transisi Politik: Studi Kasus Pemilihan Presiden Indonesia 2024. Penelitian ini menganalisis dampak pengumuman resmi hasil Pemilu Presiden 2024 oleh Komisi Pemilihan Umum (KPU) terhadap kinerja pasar saham, khususnya pada indeks saham syariah. Tujuannya adalah untuk mengetahui perubahan return tidak normal (abnormal return/AR) dan aktivitas volume perdagangan (TVA) selama periode peristiwa selama 11 hari (5 hari sebelum dan sesudah pengumuman), serta periode estimasi selama 60 hari. Sampel penelitian terdiri dari 30 perusahaan dalam Jakarta Islamic Index (JII) dari 9 sektor industri, menggunakan metode sampling jenuh. Pengujian dilakukan dengan uji Paired T-test dan Wilcoxon Signed Rank Test. Hasilnya menunjukkan tidak ada perbedaan signifikan dalam AR secara keseluruhan pada indeks JII, namun terdapat perbedaan signifikan pada sektor konsumer non-siklikal. Sementara itu, terdapat perubahan signifikan pada TVA, khususnya di sektor bahan dasar (basic materials). Temuan ini menegaskan pentingnya kewaspadaan investor di pasar saham syariah terhadap dinamika politik yang dapat mempengaruhi portofolio. Penelitian ini memberikan wawasan bagi investor, regulator, dan akademisi terkait strategi diversifikasi dan manajemen risiko dalam menghadapi ketidakpastian politik, serta memperkaya kajian literatur tentang pasar modal syariah
A Comparative Analysis of Risk and Return Stocks: Sharia and Conventional Banking Maharany, Indah Dewi
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13809

Abstract

The development of the capital market in Indonesia grows rapidly in the last few years. One of the sectors that investors are interested in is banking, both sharia and conventional. Investors must pay attention to two things, namely risk and return. This research aims to collect empirical evidence regarding the differences in return and risk of BRIS and BTPN stocks listed on Indonesia Stock Exchange (IDX), 2021 – 2023. The data analysis technique for this research uses descriptive statistical analysis, analytical prerequisite tests and hypothesis test. The results of expected return on BRIS stock was 7.96%, while the expected return on BTPN stock was 2.84%. The risk level for BRIS stock over a period of 36 months was 6.33%, while the risk level for BTPN was 3.0%. Based on research, the results show that there is a significant difference between the return and risk of BRIS and BTPN stocks during the 36 month period from January 2021 to December 2023.
Co-Authors Adiratna, Arvia Amalia, Firdha Ikhlazul Azfa Hani, Aulia Bayu Tri Cahya Fuadiya, Alina Mabruroh, Siti Musyafak, Ali Ni'mah, Luthfiyatun Novita Novita NURUL HIDAYAH Nurul Husna, Habsyi Restuti, Dwi Putri Suhadi Suhadi