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All Journal Laa Maisyir Jurnal Ekonomi Islam Jurnal Adabiyah Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Muttaqien; Indonesian Journal of Multidiciplinary Islamic Studies El-kahfi : Journal of Islamic economics TAJDID: Jurnal Pemikiran Keislaman dan Kemanusiaan Al-Buhuts (e-journal) Robust: Research of Business and Economics Studies JSE: Jurnal Sharia Economica IIJSE Study of Scientific and Behavioral Management (SSBM)
Bin Sapa, Nasrullah
Unknown Affiliation
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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The Effect of Sharia Financial Literacy and Risk Perception on the Intention to Use Shopee Paylater in Generation Z with Religiosity as a Moderating Variable (A Study on UIN Alauddin Makassar Students) Nurhidayah, Nurhidayah; Muchlis, Saiful; Bin Sapa, Nasrullah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7806

Abstract

This study aims to analyze the influence of Sharia financial literacy and risk perception on the intention to use Shopee PayLater among Generation Z students at UIN Alauddin Makassar, as well as to evaluate the role of religiosity as a moderating variable in this relationship. A quantitative approach using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method was employed. The sample consisted of 210 respondents, determined based on Hair’s conservative sample size approach. Data were collected through a questionnaire covering the variables of Sharia financial literacy, risk perception, intention to use, and religiosity. The results showed that Sharia financial literacy had no significant effect on the intention to use Shopee PayLater. In contrast, risk perception had a significant negative effect, indicating that the higher the risk perception, the lower the intention to use the service. The interaction between religiosity and Sharia financial literacy, as well as between religiosity and risk perception, did not show a significant moderating effect on the intention to use Shopee PayLater. Therefore, religiosity does not moderate the relationship between Sharia financial literacy or risk perception and the intention to use Shopee PayLater. This study provides theoretical contributions to the development and deeper understanding of Sharia financial literacy, risk perception, intention to use, and religiosity in the context of using PayLater-based digital financial services.
Strategi Pemasaran Funding Officer (Marketing Funding) Dalam Meningkatkan Minat Nasabah Pada PT Bank Tabungan Negara (Persero) Tbk. KCP Parepare Bin Sapa, Nasrullah
Study of Scientific and Behavioral Management Vol 4 No 3 (2023): Financial Technology Management
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v4i3.16603

Abstract

ABSTRAK Adapun tujuan dari penelitian strategi pemasaran  Funding Officer (Marketing Funding) pada PT Bank Tabungan Negara (Persero) Tbk. KCP Parepare dalam meningkatkan minat nasabah dan dampak strategi pemasaran dalam meningkatkan minat nasabah funding di PT Bank Tabungan Negara (Persero) Tbk. KCP Parepare. Jenis penelitian yang digunakan adalah penelitian lapangan dengan sifat penelitian kualitatif. Teknik pengumpulan data yang digunakan adalah observasi, wawancara, dan studi dokumen. Teknik analisis data yang digunakan adalah analisis deskriptif. Hasil penelitian yang didapatkan adalah strategi pemasaran marketing funding (funding officer) yang digunakan PT Bank Tabungan Negara (Persero) Tbk. KCP Parepare dalam meningkatkan minat nasabah menggunakan strategi Bauran Pemasaran 7P yaitu: People (Orang), Phisical Evidence (Bukti fisik), dan Process (Proses). Dampak dari Strategi Pemasaran Funding Officer  (marketing funding) dalam meningkatkan minat nasabah Bank Tabungan Negara (Persero) Tbk. KCP Parepare yaitu masyarakat mulai mengetahui bahwa BTN itu sendiri tidak hanya bank yang menyediakan produk pembiayaan perumahan tapi juga menyediakan berbagai jenis produk funding, Pertumbuhan asset  meningkat, Pegawai (marketing funding) yang memiliki kinerja baik dan sesuai target akan diberikan reward atau bonus oleh pihak bank. Kata Kunci: Strategi Pemasaran, Funding Officer (Marketing Funding), dan PT Bank Tabungan Negara (Persero) Tbk. KCP Parepare.
Potensi dan Tantangan Implementasi Akad Wakalah bil Ujrah pada Transaksi Bisnis Syariah Modern Maulana, Maulana; Bin Sapa, Nasrullah; Ambo Masse, Rahman; Galib, Mukhtar
Al-Buhuts Vol. 20 No. 1 (2024): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v20i1.4781

Abstract

This research aims to explore the potential and challenges of implementing Akad Wakalah bil Ujrah in modern Islamic business transactions in Indonesia. The research method used is qualitative research with a case study approach. Data was collected through in-depth interviews with Islamic finance practitioners, analysis of documents related to Islamic business regulations and transactions, and direct observation of the implementation process of Akad Wakalah bil Ujrah. The research results show that there is great potential in applying this akad to increase operational efficiency, reduce risk, and support the growth of the Islamic finance industry. However, challenges such as lack of understanding among business actors, unclear regulations, lack of supporting infrastructure, and the risk of misuse become obstacles that need to be overcome. By overcoming these challenges through educational efforts, regulatory improvements, infrastructure development, and the implementation of strict monitoring mechanisms, the implementation of Akad Wakalah bil Ujrah can be an effective instrument in supporting the growth of modern Islamic business in Indonesia
Determinan Pembiayaan Murabahah di BPRS Niaga Madani kota Makassar Periode 2023 Syamsurianto, Syamsurianto; Misbach, Irwan; Bin Sapa, Nasrullah
Al-Buhuts Vol. 20 No. 2 (2024): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v20i2.5180

Abstract

Murabahah financing is one of the most dominant financing in the scope of Islamic banks in Indonesia. Murabahah financing dominates because financing provides a high level of trust for its customers. Because the acquisition price and profit are mutually agreed upon with the bank. In addition, the bank also feels favored. The dominance of Murabaha financing compared to profit-sharing financing such as Mudaraba and Partnership is clear for researchers to look for factors that influence Murabahah financing. This type of research is quantitative which is associative, In this case the author uses a quantitative method and the type of data in this study is secondary data in the form of time-series. The population used is a financial report based on quarters at BPRS Madani for the period 2017-2023 where the total is 27 financial reports for 1 year. The sample selection uses a saturated sample where all the population is used as a sample, which will later be processed using statistical analysis tools to get answers to the proposed hypothesis.Research results Based on the data test that has been carried out with a significance level of 5% or 0.05, it can be concluded that Non-performing financing has a positive and significant effect on Murabahah financing at BPRS Niaga Madani. Rotation on assets and financing to deposit ratio have a positive and insignificant effect on Murabahah financing of financing banks at BPRS Niaga Madani in the 2023 period.Conclusion Based on the results of the analysis and discussion that have been presented in the previous section, it can be concluded that non-performing financing has a significant positive effect on Murabahah financing at Bank Pembiayaan Rakyat Syariah Niaga Madani. This finding explains that the increasing non-performing finance of BPRS Niaga Madani will also increase the level of financing provided by BPRS Niaga Madani, this shows that the public increasingly trusts BPRS Niaga Madani so that what is the obligation of the community is still fulfilled even though some customers are hampered in returning financing. Rotation on assets and financing to deposit ratio have a positive and insignificant effect on Murabahah financing. that bank management is able to manage the assets owned by the company, so that the income generated experiences a better increase
Co-Authors AA Sudharmawan, AA Abdul Rizal, Abdul Abdul Wahab Aisyah Aisyah andi intan cahyani, andi intan Arsyadi, Baso Atika, Atika Rizki Cut Muthiadin Haddade, Abdul Wahid Hasbiullah, Hasbiullah Husain, Muhammad Zakir Irwan Misbach Jamaluddin Kamaruddin Kholid Albar Marwah, Andi Maulana Maulana Maulana Maulana, Maulana Misbahuddin Misbahuddin Muhammad Afif Mukhtar Galib Nurhidayah Nurhidayah Rachma Febriyanti Rahman Ambo Masse Saiful Muchlis, Saiful Siradjuddin, Siradjuddin Solly Aryza Sri Wahyuni Syamsurianto, Syamsurianto Syarif As'ad, Muhammad Syatar, Abdul Trimulato Trimulato, Trimulato