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All Journal Indonesian Journal of Business and Entrepreneurship (IJBE) SENTRALISASI Iqtishoduna: Jurnal Ekonomi Islam Utsaha: Journal of Entrepreneurship Mimbar Hukum
Prabantarikso, Mahelan
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Analysis of The Influence of Digital Banking, Bopo and NPF on Profitability Levels of Sharia Commercial Bank Mulatsih, Listiana Sri; Purnomo, Hadi; Prabantarikso, Mahelan; Dhamayanti, Sylvia Kartika; Sunarmi, Sunarmi
SENTRALISASI Vol. 13 No. 1 (2024): Sentralisasi
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v13i1.3101

Abstract

This study aims to analyze and examine the factors influencing of digital banking, operating costs to operating income (BOPO) and Non Performance Financing (NPF) on Return on Asset (ROA) in the Islamic Commercial Banks in period 2018-2022. The method of research is using the quantitative and regression analysis. The sample is Islamic Commercial Banks are consistenly publish financial report period 2018-2022 listed on the Indonesia Stock Exchange with a total sample of 3 companies. The sampling technique used a purposive sampling. The data analysed with IBM SPSS version 22 and was carried out by several tests such as validity test, realibility test, classic assumption test, linear regression analysis and coefficient of determination test. The results of this study indicate that the digital banking, BOPO and NPF simultaneously and significantly influence on ROA. The results of the partial test demonstrates that the digital banking and NPF has significant effect on ROA. While BOPO has a negative effect on ROA in the Islamic Commercial Banks in period 2018-2022. This research contributes to Islamic banking in order to make effective financing with results sharing and operational cost efficiency in operating income so that performance can be improve financial performance.
TINJAUAN SOSIO-LEGAL ATAS KONTRAK: KAJIAN TENTANG KETERIKATAN SOSIAL (SOCIAL EMBEDDEDNESS) DAN KETERIKATAN INSTITUSIONAL (INSTITUTIONAL EMBEDDEDNESS) PADA PENEGAKAN KONTRAK Prabantarikso, Mahelan
Mimbar Hukum Vol 36 No 2 (2024): Mimbar Hukum
Publisher : Faculty of Law, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/mh.v36i2.17201

Abstract

Abstract The theory of contracts is a fundamental element in legal theory that underpins how agreements are made and enforced. The philosophical roots of traditional contract theory essentially rely on the fiction of freedom to contract and pacta sunt servanda. Grounded in classical liberalism, traditional contract theory is based on a vacuum of ceteris paribus and individual autonomy, relating to the assumptions and fiction of freedom to contract as well as individual capacity to comply with and enforce contracts between the contracting parties. The law-in-action school in socio-legal studies encourages legal scholars to understand and consider the context in which contracts exist. There are institutional environments and social contexts that play a crucial role in contracting practices, which from a Weberian perspective, is fundamentally an economic action that must be understood in a broader context. Economic actions within those institutional and social contexts are well conceptualized in the models of New Institutional Theory, both in the school of institutional economics and organizational/institutional sociology, which fundamentally frames economic actions within formal institutional environments (institutional embeddedness) and the social networks/mechanisms that form informal institutions (social embeddedness). This framework ultimately aids in more holistically studying the fairness and effectiveness of contract enforcement. Abstrak Teori kontrak adalah elemen fundamental dalam teori hukum yang menjadi fondasi di mana perjanjian dibuat dan ditegakkan. Akar filosofis teori kontrak tradisional pada dasarnya mendasarkan pada fiksi kebebasan berkontrak dan pacta sunt servanda. Berpijak pada liberalisme klasik, teori kontrak tradisional menyandarkan pada ruang hampa ceteris paribus dan otonomi individu, berkaitan asumsi dan fiksi kebebasan berkontrak serta kapasitas individual dalam mematuhi dan menegakkan kontrak di antara pihak-pihak yang berkontrak. Mazhab law-in-action dalam kajian sosio-legal menggugah kalangan yuris untuk memahami dan menimbang konteks di mana kontrak itu hidup. Ada lingkungan institusional dan konteks sosial memainkan peran penting dalam praktik berkontrak, yang dalam pandangan Weberian, hakikatnya adalah suatu tindakan ekonomi (economic action) yang harus dipahami secara lebih luas konteksnya. Tindakan ekonomi dalam lingkungan institusional dan konteks sosial itu dikonseptualisasikan dengan baik dalam model-model Teori Institusional Baru (New Institutional Theory), baik dalam mazhab ekonomi institusional atau sosiologi organisasi/institusional, yang pada dasarnya ada dasarnya memerangka tindakan ekonomi dalam lingkungan institusional formal (institutional embeddedness) dan jaringan/mekanisme sosial yang membentuk institusi informal (social embeddedness). Kerangka tersebut pada akhirnya membantu untuk secara lebih holistik mempelajari keadilan dan efektivitas penegakan kontrak.
The Effect of EWOM, Subjective Norms, Perceived Behavioral Control and Product Quality On The Intention To Buy Subsidized Housing Nurhidayat, Ridwan; Suroso, Arif Imam; Prabantarikso, Mahelan
Indonesian Journal of Business and Entrepreneurship Vol. 9 No. 3 (2023): IJBE, Vol. 9 No. 3, September 2023
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.9.3.467

Abstract

Kuningan city view (KCV) is one of the housing estates that sell subsidized houses. In 2021, sales did not reach the target. This study analyzes various factors that influence the purchase intention of subsidized housing in KCV housing through eWOM variables, subjective norms, perceptions of behavior control, and product quality, understanding the characteristics of respondents and formulating managerial implications to increase the purchase intention of subsidized housing in KCV housing. This research involved 100 prospective buyer respondents who met the criteria of being able to buy subsidized houses that were domiciled in the Kuningan district and its surroundings, using a voluntary sampling technique. Data was collected through questionnaires which were distributed directly to respondents and online. The analysis in this study uses Partial Least Square Structural Equation Modeling (PLS-SEM). The majority of respondents were in the age group of 26-29 years and the average number of respondents who were interested in buying subsidized housing was already married, around 79%. There are 62 respondents who work in the private sector, while civil servants, military, and police are around 22 respondents and the rest are self-employed around 16 respondents.The results indicate that eWOM, subjective norm, and product quality have a significant effect on purchase intention, while perceptions of behavioral control have no significant effect. Based on the research, the housing developer need to maximize the potential of eWOM in conducting marketing and providing information related to information, it is necessary to improve product quality such as public facilities, increase marketing collaboration with all stakeholders in the subsidized housing program which aims to all parties can benefit. Keywords: eWOM, purchase intention, subsidized housing, SEM-PLS, subjective norm
Exploring Gen Z's Sharia-Compliant Purchasing Behaviour: Structural Impacts of Islamic Marketing, Halal Quality, and Online Shopping Lifestyle Prabantarikso, Mahelan; Wikantari, Maria Assumpta; Kamar, Karnawi; Nugraha, Aat Ruchiat; Briliana, Vita
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.3207

Abstract

The growing halal industry and digital marketplace have reshaped Gen Z consumer behaviour, leading their purchase patterns to blend Islamic values with digital lifestyles. Although existing studies have examined Islamic marketing, product quality, and online consumer behaviour separately, limited research has modelled their combined effects on purchase decisions within a sharia-compliant framework. This study addresses this gap by developing a quantitative model that predicts Generation Z's purchase decisions, with customer satisfaction as the mediating variable. Using a survey-based design, data were collected from 53 Gen Z respondents and analysed using Structural Equation Modelling–Partial Least Squares (SEM–PLS). The study results show that consumer shopping habits significantly influence their level of satisfaction. Product quality has a significant impact on customer satisfaction. Sharia marketing has a substantial impact on customer satisfaction. Shopping lifestyle has a significant impact on purchasing choices. Product quality has a considerable impact on purchasing choices. Sharia marketing has a substantial effect on consumer purchasing decisions. Customer satisfaction significantly affects purchasing decisions. Globally, the study provides empirical evidence supporting the growing relevance of the halal economy and offers insights for policymakers and industries seeking to strengthen consumer trust and competitiveness.
SOCIALIZATION AND PSYCHOLOGICAL DETERMINANTS OF FINANCIAL CONFIDENCE AMONG JAKARTA STOCK INVESTORS Nugroho, Aditya Tri; Wulandari, Nuri; Prabantarikso, Mahelan; Haryanti, Enny
UTSAHA: Journal of Entrepreneurship [IN PRESS] Vol. 5 Issue 1 (2026)
Publisher : jfpublisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56943/joe.v5i1.915

Abstract

Financial confidence represents a critical determinant in investment decision-making among stock market participants. This study examines the influence of financial socialization and psychological characteristics on financial confidence among stock investors in Jakarta, mediated by digital financial literacy and financial behavior. A quantitative research approach was employed, utilizing SmartPLS 3 software for data analysis through Partial Least Squares Structural Equation Modeling. The sample comprised 50 active stock investors residing in Jakarta, with data collected through structured questionnaires using five-point Likert scales. The analysis revealed four principal findings. First, financial socialization does not significantly influence digital financial literacy (p = 0.200), contradicting conventional socialization theory expectations. Second, psychological characteristics exert a strong positive influence on digital financial literacy (β = 0.902, p < 0.001). Third, digital financial literacy significantly affects financial behavior (β = 0.732, p < 0.001). Fourth, financial behavior strongly influences financial confidence (β = 0.799, p < 0.001). These findings suggest that intrinsic psychological factors serve as more powerful drivers of financial confidence development than external social learning processes among equity investors. The research contributes theoretical insights regarding financial confidence formation in emerging markets and provides practical implications for financial institutions, regulators, and investors. The study recommends that investor education programs prioritize psychological skill development and experiential learning rather than conventional information dissemination approaches.
Co-Authors Aat Ruchiat Nugraha Aditya Tri Nugroho Arif Imam Suroso Briliana, Vita Hadi Purnomo Haryanti, Enny Karnawi Kamar, Karnawi LISTIANA SRI MULATSIH Maria Assumpta Wikantari Nurhidayat, Ridwan Nuri Wulandari, Nuri Sunarmi Sunarmi Sylvia Kartika Dhamayanti