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All Journal Jurnal Pendidikan Akuntansi dan Keuangan Indonesian Journal of Innovation Studies
Ajizah, Euis
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Computer Science & IT Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice

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Pengaruh Pembiayaan Mudharabah, Pembiayaan Musyarakah Dan Piutang Murabahah Terhadap Return on Assets (ROA) Dan Return on Equity (ROE) Ajizah, Euis; Furniawan, Furniawan
JPAK : Jurnal Pendidikan Akuntansi dan Keuangan Vol 10, No 1 (2022): JPAK : Jurnal Pendidikan Akuntansi dan Keuangan
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jpak.v10i1.31912

Abstract

The purpose of this research is to know either partially or simultaneously, the effect of mudharabah financing, musyarakah financing, and murabahah receivables on Return on Assets and Return on Equity. The approach used in this study is a quantitative descriptive analysis approach, with secondary data obtained from the IDX for the Bank Syariah Mandiri (BSM) 2016-2018. To measure using multiple linear regression. The criteria for regression analysis are: t statistical test, f statistical test and the coefficient of determination (R2). The results of research from research reports that have been carried out for partial results of the variable Mudharabah Financing, Musharaka Financing and Murabahah Receivables on ROA and ROE do not have a significant effect. Meanwhile, based on the simultaneous results of Mudharabah Financing, Musharaka Financing and Murabahah Receivables on ROA have a significant effect. The same is the case with Mudharabah Financing, Musharaka Financing and Murabahah Receivables Against ROE which states that there is a significant effect.
User Satisfaction as a Key Driver of Digital Transaction Efficiency: Kepuasan Pengguna sebagai Pendorong Utama Efisiensi Transaksi Digital Nurholiza, Kendevani; Ajizah, Euis; Prihantono, Wahyu Hari
Indonesian Journal of Innovation Studies Vol. 26 No. 3 (2025): July
Publisher : Universitas Muhammadiyah Sidoarjo

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Abstract

General Background: The digital revolution has transformed financial transactions, particularly through fintech innovations like QRIS, increasingly adopted by millennials and Gen Z. Specific Background: QRIS and digital finance have shown potential in enhancing transaction efficiency, yet user satisfaction remains a crucial moderating factor. Knowledge Gap: Existing studies often overlook the mediating role of user satisfaction between technological effectiveness and transaction outcomes. Aims: This study investigates the mediating effect of user satisfaction on the relationship between QRIS effectiveness, digital finance, and transaction efficiency. Results: Based on data from 210 respondents and analysis using SmartPLS 3, results show digital finance directly impacts transaction efficiency (β = 0.425, p < 0.001), while QRIS effectiveness influences efficiency only indirectly via user satisfaction (β = 0.177). Novelty: This study introduces user satisfaction as a key mediator that bridges technology performance and operational outcomes in digital payments. Implications: The findings suggest that improving UI/UX, educating users, and strengthening digital literacy can enhance the effectiveness of digital payment systems. These insights support Bank Indonesia's inclusive payment initiatives and inform fintech strategies to boost adoption and user retention.Highlight : User satisfaction significantly mediates the impact of QRIS and digital finance on transaction efficiency, highlighting its central role. QRIS effectiveness alone does not directly enhance transaction efficiency but works through enhancing user experience. Digital finance shows strong direct influence on both transaction efficiency and user satisfaction, proving its transformative potential in modern payments. Keywords : QRIS Effectiveness, Digital Finance, User Satisfaction, Transaction Efficiency, Millennials
Co-Authors Furniawan, Furniawan Nurholiza, Kendevani Prihantono, Wahyu Hari