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All Journal Analisis: Jurnal Studi Keislaman Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam ILTIZAM Journal of Sharia Economic Research FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JESI (Jurnal Ekonomi Syariah Indonesia) Jurnal Mantik Economic Education and Entrepreneurship Journal El-Usrah: Jurnal Hukum Keluarga Jurnal Ilmiah Edunomika (JIE) Al-Muqayyad Revenue: Jurnal Manajemen Bisnis Islam Jurnal Ilmu Perbankan dan Keuangan Syariah Jurnal Ilmu Ekonomi dan Bisnis Islam Jurnal Terapan Manajemen dan Bisnis Al-Mashrof: Islamic Banking and Finance Al-Mu'awanah Bulletin of Community Engagement Golden Ratio of Finance Management Salam (Islamic Economics Journal) Cakrawala: Jurnal Studi Islam International Business and Accounting Research Journal Mutanaqishah: Journal of Islamic Banking Indonesian Journal of Islamic Economics and Finance KENDALI: Economics and Social Humanities Bukhori: Kajian Ekonomi dan Keuangan Islam Jurnal Penelitian dan Pengabdian Masyarakat Majapahit Journal of Islamic Finance dan Management Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Majapahit Journal of Islamic Finance dan Management Jurnal Rekognisi Ekonomi Islam (JREI) Jurnal Ekonomi, Manajemen, Akuntansi BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Gustika Nurmalia
Universitas Islam Negeri Raden Intan Lampung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Impact of Rupiah Exchange Rate and Crude Palm Oil (CPO) Export Value on the Gross Regional Domestic Product (GRDP) of Lampung Province: An Islamic Economic Perspective, 2013-2022 Anggraini, Dini; Ghofur, Ruslan Abdul; Nurmalia, Gustika
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol. 1 No. 1 (2024): Special Edition: International Conference on Islamic Economics (ICOIE)
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v9i1.9845

Abstract

GRDP in Lampung province is still experiencing fluctuations, which has increased from 2013-2019. Then, in 2020 GRDP will decrease and will increase again in 2021-2022. The research method used is quantitative. The data source used in compiling this research is secondary data in the form of a time series, which was processed using EViews 10. Data obtained from BPS Lampung province includes data on the rupiah exchange rate, the value of CPO exports and the GRDP of Lampung province in 2013-2022. The results showed that partially, the rupiah exchange rate variable had a positive and significant effect on the GRDP in Lampung province in 2013-2022, and the CPO export value variable had no significant effect on the GRDP in Lampung province in 2013-2022. Meanwhile, the f (simultaneous) test shows that the rupiah exchange rate and the value of CPO exports jointly affected GRDP in Lampung province in 2013-2022. GRDP, in the perspective of Islamic economics, will affect tax revenues by increasing waqf, zakat, alms and other income taxes which will have a good impact because increasing regional revenue is expected to increase welfare and economic growth.
Effect of SCnP Financial Performance on Third-Party Funds Growth in Indonesian Islamic Banks (2017-2023) Nur'aini, Aninda; Purnamasari, Femei; Nurmalia, Gustika
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 1 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i1.323.55-78

Abstract

This study aims to examine the effect of Islamic banking financial performance on the growth of Third Party Funds (TPF) in Indonesia in the period 2017–2023 using the Sharia Conformity and Profitability (SCnP) approach. This study focuses on three independent variables, namely the Islamic Investment Ratio (IIR), Islamic Income Ratio (IsIR), and Return on Assets (ROA). This study answers the gap in previous studies that rarely combine the balance between sharia compliance and profitability in explaining TPF growth. The method used is quantitative with panel data analysis using the Fixed Effect Model (FEM) on a sample of seven Islamic Commercial Banks (BUS) in Indonesia. The estimation results show that IIR (p = 0.5913) and IsIR (p = 0.9954) do not have a significant effect on TPF growth. On the other hand, ROA (p = 0.0096) has a positive and significant effect, indicating that bank profitability has a stronger influence on public trust and fund placement decisions than sharia compliance indicators. These findings suggest that while compliance with sharia principles is important, people still prioritize financial outcomes when choosing where to save their money. Therefore, Islamic banks are advised to maintain operational efficiency while strengthening sharia-based investment structures to increase credibility and competitiveness.
PENGARUH PENDAPATAN, GAYA HIDUP DAN RELIGIUSITAS TERHADAP MINAT MENABUNG DI BANK SYARIAH (Studi Pada Masyarakat Sekincau Lampung Barat) Akbar, Tulus Rizkon; Habibi, Ahmad; Nurmalia, Gustika
JURNAL TERAPAN MANAJEMEN DAN BISNIS Vol 11, No 2 (2025): VOLUME 11 NUMBER 2 (2025)
Publisher : STKIP Singkawang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26737/jtmb.v11i2.7689

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pendapatan, gaya hidup, dan religiusitas terhadap minat menabung di bank syariah pada masyarakat Sekincau, Lampung Barat. Latar belakang dari penelitian ini adalah rendahnya minat masyarakat terhadap lembaga keuangan syariah meskipun keberadaan bank syariah semakin berkembang. Metode yang digunakan dalam penelitian ini adalah pendekatan kuantitatif dengan jenis penelitian deskriptif. Data primer dikumpulkan melalui penyebaran kuesioner kepada 100 responden yang dipilih menggunakan teknik stratified proportional random sampling. Analisis data dilakukan dengan menggunakan regresi linier berganda yang didukung oleh uji validitas, reliabilitas, dan asumsi klasik. Hasil penelitian menunjukkan bahwa pendapatan tidak berpengaruh positif dan signifikan terhadap minat menabung di bank syariah. Sebaliknya, gaya hidup dan religiusitas memiliki pengaruh positif dan signifikan terhadap minat menabung. Hal ini mengindikasikan bahwa perilaku menabung di bank syariah lebih banyak dipengaruhi oleh pola hidup dan nilai-nilai keagamaan individu dibandingkan dengan kondisi finansial semata. Penelitian ini memperkuat teori Theory of Planned Behavior (TPB) yang menyatakan bahwa sikap, norma subjektif, dan persepsi kontrol perilaku memengaruhi niat seseorang untuk bertindak, termasuk dalam keputusan keuangan seperti menabung.
THE INFLUENCE OF RELIGIOSITY AND BELIEF ON INTEREST IN PAYING NON-CASH ZAKAT THROUGH THE DIGITAL ISLAMIC BANKING SYSTEM: A Study on Muslim Millennials in Bandar Lampung Putri, Aprila Sari Ardini; Purnamasari, Femei; Nurmalia, Gustika
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 02 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i02.8721

Abstract

This study aims to analyze the influence of religiosity and trust on the interest in paying non-cash zakat through the digital Islamic banking system among the Muslim millennial generation in Bandar Lampung City. The background of the study is based on the rapid development of digital technology and the increasing trend of donations through digital channels, especially during and after the COVID-19 pandemic. In this context, religiosity and trust are assumed to be two main factors influencing an individual's decision to distribute non-cash zakat. This study uses a quantitative approach with a survey method through a questionnaire distributed to 96 respondents. Data analysis was conducted using multiple linear regression to test the relationship between the independent variables (religiosity and trust) and the dependent variable (interest in paying non-cash zakat). The results show that religiosity has no significant effect, while trust has a positive and significant influence on the interest in paying non-cash zakat through the digital Islamic banking platform. These findings provide important implications for zakat management institutions and Islamic financial institutions in developing more effective zakat digitalization strategies that are in line with the characteristics of the millennial generation.
The Urgency of the 5C Principle in Minimizing Financing Risk at Bank Syariah Indonesia KC Diponegoro Andriyani, Rizki; Kurniawan, Muhammad; Nurmalia, Gustika
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.555

Abstract

The purpose of this study was to analyze the urgency of the application of the 5C principles in minimizing the risk of financing at Bank Syariah Indonesia KC Diponegoro. This research includes a type of Field Research (field research) which is essentially a method to find specifically and realistically about what is happening in society. As for the informants in this study amounted to 5 people who consist of employees of bank BSI AFO Division (Area Financing Operation) and customers of Bank Syariah Indonesia (BSI) KC Bandar Lampung. Overall, the application of the 5c principles includes character assessment through interviews and track records, Capacity through business observation and cash flow analysis, Capital from the customer's initial capital, Collateral as additional liquid and legal security, and Condition through environmental economic analysis is a comprehensive approach that is essential in mitigating financing risks in Islamic banking. This study implies that the optimal application of the 5C principles (Character, Capacity, Capital, Collateral, and Condition ) can significantly minimize the risk of financing at Bank Syariah Indonesia KC Diponegoro, resulting in a positive impact on the financial health and sustainability of the bank's operations. This study offers an original perspective by specifically analyzing the urgency of implementing the 5C principles (Character, Capacity, Capital, Collateral, Condition) in minimizing financing risks at Bank Syariah Indonesia KC Diponegoro, filling the void of in-depth empirical studies on Sharia entities in the region.
The Urgency of the 5C Principle in Minimizing Financing Risk at Bank Syariah Indonesia KC Diponegoro Andriyani, Rizki; Kurniawan, Muhammad; Nurmalia, Gustika
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.555

Abstract

The purpose of this study was to analyze the urgency of the application of the 5C principles in minimizing the risk of financing at Bank Syariah Indonesia KC Diponegoro. This research includes a type of Field Research (field research) which is essentially a method to find specifically and realistically about what is happening in society. As for the informants in this study amounted to 5 people who consist of employees of bank BSI AFO Division (Area Financing Operation) and customers of Bank Syariah Indonesia (BSI) KC Bandar Lampung. Overall, the application of the 5c principles includes character assessment through interviews and track records, Capacity through business observation and cash flow analysis, Capital from the customer's initial capital, Collateral as additional liquid and legal security, and Condition through environmental economic analysis is a comprehensive approach that is essential in mitigating financing risks in Islamic banking. This study implies that the optimal application of the 5C principles (Character, Capacity, Capital, Collateral, and Condition ) can significantly minimize the risk of financing at Bank Syariah Indonesia KC Diponegoro, resulting in a positive impact on the financial health and sustainability of the bank's operations. This study offers an original perspective by specifically analyzing the urgency of implementing the 5C principles (Character, Capacity, Capital, Collateral, Condition) in minimizing financing risks at Bank Syariah Indonesia KC Diponegoro, filling the void of in-depth empirical studies on Sharia entities in the region.
Content Marketing on TikTok and Online Reviews: Impact on Purchase Intentions and Decisions for Gen Z in Indonesia Wulan, Mutiarasari Nur; Dalimunthe, Nindytia Puspitasari; Husna, Nurul; Nurmalia, Gustika
Economic Education and Entrepreneurship Journal Vol 7, No 2 (2024): Economic Education and Entrepreneurship Journal (E3J)
Publisher : FKIP Universitas Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study try to test the content marketing, online customer reviews, and consumer behavior, namely purchasing decisions and mediated by a preference or purchase interest approach. Local brand bag fashion is a growing trend in society, supported by the major role of social media progress, namely TikTok, especially among generation Z. However, business actors need to understand the characteristics of the TikTok platform and its users well. The existence of interesting marketing content, the creation of online consumer reviews, this can increase consumer interest and ultimately make consumers interested in buying products. The research method used a Google Form questionnaire involving 266 respondents. The purposive sampling is used in this research with the criteria of generation Z who bought local brand bags on the TikTok platform. SMART PLS 4.0 was used to evaluate the data. The study's findings demonstrated that: content marketing significantly and favorably influenced consumer behavior; content marketing significantly and favorably influenced preferences; preferences significantly and favorably influenced consumer behavior; customer reviews significantly and favorably influenced consumer behavior; customer reviews significantly and favorably influenced preferences; content marketing significantly and favorably influenced consumer behavior with preference mediation; and content marketing significantly and favorably influenced consumer behavior with preference mediation.DOI: http://dx.doi.org/10.23960/E3J/v7.i2.215-223 
Impact of Non-Performing Financing and Capital Adequacy on Profit Growth in Islamic Commercial Banks Kori Saumanisa; Ridwansyah; Gustika Nurmalia
Mutanaqishah: Journal of Islamic Banking Vol. 5 No. 2 (2025): July - December
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v5i2.2844

Abstract

Purpose – This study aims to determine the effect of Non-Performing Financing and capital adequacy on profit growth partially and simultaneously. The population in this study was 14 Islamic commercial banks, with a sample of 12 Islamic commercial banks. Methodology – This type of research employs a quantitative approach with an explanatory research design, utilizing a data analysis methodology that includes panel data regression analysis, assisted by EViews analysis. Findings – The results of this study indicate that partially non-performing financing has a positive and significant impact on profit growth, while capital adequacy does not significantly affect profit growth. Simultaneously, non-performing financing and capital adequacy affect profit growth. Implication – The implication is that Islamic commercial banks need to focus more on managing non-performing financing due to its significant impact on profit growth, despite its positive influence.  In addition, although capital adequacy does not have a partial effect, bank management must still consider both factors simultaneously to ensure stability and sustainable profit growth. Originality – The originality of this study lies in its specific focus on Islamic commercial banks in Indonesia in the period 2020-2024, a period that includes the impact of the pandemic and economic recovery, as well as the use of panel data analysis to simultaneously explore the effect of non-performing financing and capital adequacy on profit growth.
Pengaruh Likuiditas, Leverage, dan Non Performing Financing, Terhadap Stabilitas Keuangan pada Bank Umum Syariah di Indonesia Periode Tahun 2020-2024 Rahman, Nabilli; Musthofa, Ujang Hanief; Nurmalia, Gustika
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i1.9115

Abstract

This study aims to analyze the influence of liquidity (FDR), leverage (DER), and Non-Performing Financing (NPF) on the financial stability of Islamic Commercial Banks (BUS) in Indonesia (2020–2024) using panel data from 10 BUS. The Chow test and Hausman test determined the Fixed Effects Model (FEM) as the best model. The results show: FDR and NPF have no statistically significant effect. Meanwhile, DER has a positive and significant influence with a p-value of 0.009, as Sharia-compliant debt for productive financing through risk-sharing schemes enhances stability. The adjusted R² (11.39%) indicates limited explanatory power, with 88.61% attributed to external factors. From an Islamic perspective, this study highlights that the role of Islamic banks is not solely about financial achievement but also a manifestation of their social responsibility in building a more inclusive and sustainable economy aligned with Islamic values.
PENGARUH PENGALAMAN USAHA, PENGAMBILAN RESIKO DAN KETERAMPILAN TERHADAP KEBERHASILAN USAHA DI PASAR TRADISIONAL SUKAJADI LAMPUNG BARAT: DITINJAU DARI MANAJEMEN PEMASARAN SYARIAH Nurhidayah, Wulan; Habibi, Ahmad; Nurmalia, Gustika
KENDALI: Economics and Social Humanities Vol. 4 No. 2 (2025): KENDALI: Economics and Social Sciences Humanities.
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i2.859

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pengalaman usaha, pengambilan risiko, dan keterampilan terhadap keberhasilan usaha pada pedagang di Pasar Tradisional Sukajadi, Lampung Barat, dalam perspektif manajemen pemasaran syariah. Latar belakang penelitian ini didasari oleh menurunnya jumlah pedagang dan daya saing pasar tradisional akibat perkembangan pasar modern dan digitalisasi. Tiga variabel utama yang diteliti yaitu pengalaman usaha (X1), pengambilan risiko (X2), dan keterampilan (X3) diasumsikan memiliki pengaruh terhadap keberhasilan usaha (Y). Penelitian ini menggunakan metode kuantitatif dengan pendekatan survei melalui penyebaran kuesioner kepada 100 responden yang dipilih dengan teknik purposive sampling. Analisis data dilakukan menggunakan SmartPLS. Hasil penelitian menunjukkan bahwa secara parsial pengalaman usaha, pengambilan risiko, dan keterampilan masing-masing berpengaruh positif dan signifikan terhadap keberhasilan usaha. Secara simultan, ketiga variabel tersebut juga memberikan pengaruh yang signifikan terhadap keberhasilan usaha. Dari perspektif manajemen pemasaran syariah, keberhasilan usaha tidak hanya dilihat dari aspek profitabilitas, tetapi juga dari penerapan nilai-nilai kejujuran, keadilan, dan keberkahan dalam praktik bisnis. Penelitian ini menegaskan pentingnya integrasi nilai-nilai Islam dalam pengelolaan usaha agar tercapai kesuksesan yang tidak hanya materiil tetapi juga spiritual.
Co-Authors A, Novia A. Kumedi Ja’far A. Zuliansyah Agus Kurniawan Agus Kurniawan Ahmad Habibi Ahmad Habibi ahmad habibi Ahmad Hazas Syarif Ahmad, Syukron Aina Nur Ajizah, Syifa Akbar, Tulus Rizkon Andita, Maulian Andriansyah Bastian Andriyani, Rizki Anggareni, Erike Anggrayani, Viki Any Eliza Apita Sari Arisca, Nurmalita Asriani Asriani Asriani Asriani, Asriani Assya Octafany Astarika, Dela aulia, zahara Awang Ulianti Ayasar, Prayogi Putra Azizah, Novi Nur Bittaqwa, Bry Bima Dalimunthe, Nindytia Puspitasari Dedi Satriawan Dewi Tradena Dini Anggraini, Dini Erike Anggraeni Farhana, Nur Laila Femei Purnamasari, Femei H, Clarissa Novianti Handayani, Ani Heni Noviarita Herfina, Inne Dwi Heri, Mad Irfansyah, Nanda Iva Faizah Juwita, Safna Khavid Normasyhuri Kori Saumanisa Mardhiyah Hayati Marfilia, Alda Mariska, Uut Maulian Andita Moh. Bahrudin Muhammad Iqbal Fasa Muhammad Kurniawan Muhammad Kurniawan Mutiasari Nur Wulan Mutiasari Nur Wulan Normasyhuri, Khavid Novia A Nur'aini, Aninda Nurhidayah, Wulan Nurul Husna octafany, assya Putri Dwi Alfiani Putri Monica Sari Putri, Aprila Sari Ardini Rahman, Nabilli Ramadhan, Andika Dian Ramadhani, Mutiara Repika Reza Amanda Bahtiari Reza, Aditya Okta Ridwansyah Ridwansyah Ridwansyah Ruslan Abdul Ghofur Sari, Defya Sari, Putri Wulan Suhendar, S. Susanto, Is Syarif, Hazas Syukron Ahmad Tedi Rusman Tri Novita Sari, Tri Novita Ujang Hanief Musthofa Wahyu Iryana Wulan, Mutiarasari Nur Wulan, Mutiasari Nur Yudhistira Ardana Yudhistira Ardana, Yudhistira Zathu Restie Utamie Zuliansyah, A