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Journal : INASJIF

ANALISIS EFEKTIVITAS INSTRUMEN MONETER SYARIAH DALAM MENGENDALIKAN INFLASI DI INDONESIA Mahmud, Prananda Priyandan; Darmawati, Darmawati; Mainata, Dedy
Indonesian Scientific Journal of Islamic Finance Vol 3 No 1 (2024): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v3i1.8508

Abstract

This study is based on the framework that inflation is one of the main macroeconomic challenges in Indonesia. The objective of this research is to analyze the impact of the Bank Indonesia Sharia deposit facility (FASBIS), reserve requirement (GWM), and Islamic interbank money market (PUAS) on inflation in Indonesia during the 2018-2022 period. A quantitative approach was adopted, utilizing multiple linear regression analysis. Data were collected from the official websites of Bank Indonesia and the Financial Services Authority. The results revealed that, partially, GWM significantly affects inflation, while FASBIS and PUAS show no significant impact. However, simultaneously, the three instruments significantly influence inflation. The main conclusion drawn is that strengthening GWM policies and further developing other Islamic monetary instruments can contribute to inflation stability in Indonesia.
PENGARUH KINERJA KEUANGAN TERHADAP PERTUMBUHAN ASET UUS DENGAN ASET BANK INDUK SEBAGAI VARIABEL INTERVENING DI INDONESIA Gusniawan, Irvan; Parno, Parno; Mainata, Dedy
Indonesian Scientific Journal of Islamic Finance Vol 1 No 1 (2022): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v1i1.4546

Abstract

The background of the research is that UUS's Asset Growth shows good performance. Therefore, a more in-depth observation and analysis is needed to observe the growth of UUS's assets. The research objectives are to examine the effect of NPF, NOM, and BOPO on UUS asset growth, and to examine the effect of NPF, NOM, and BOPO on parent assets, as well as to examine the effect of NPF, NOM, and BOPO on UUS asset growth mediated by parent assets. The research method in this study is quantitative research using secondary data types in the form of monthly reports that have been published by the OJK and each Parent Bank that has UUS through its official website, which consists of 20 samples of Islamic Business Units. The dependent variable used is UUS Asset Growth, the independent variable is the financial performance of NPF, NOM, and BOPO, and the Intervening Variable is the assets of the parent bank. The analytical method used in this study is Mediation Variable Regression with the help of IBM SPSS Statistics 22 software. The results of this study indicate that partially NPF has a significant negative effect on UUS Asset Growth, namely the lower the NPF ratio, the better. The NOM has a significant negative effect on UUS Asset Growth, indicating that the ratio is not good, meaning that the profits obtained are still relatively small. Likewise, BOPO has a negative effect on UUS Asset Growth, the lower the ratio, the better. Meanwhile, parent bank assets have a positive effect on UUS asset growth. And simultaneously NPF, NOM, BOPO, and the assets of the parent bank have a positive effect on the growth of UUS assets. Partially, NPF also has a negative effect on the parent bank's assets, meaning that the NPF on the parent bank's assets is quite good. The NOM has a negative effect on the Parent Bank's assets, meaning that the ratio is not good because the lower the profit, the less profit. While the BOPO has a negative effect on the Parent Bank's assets, this indicates that the ratio is quite good. And NPF has a negative effect on UUS Asset Growth mediated by its Parent Assets. Meanwhile, NOM has a negative effect on UUS Asset Growth mediated by its Parent Assets. Likewise, BOPO has a negative effect on UUS Asset Growth mediated by its Parent Assets period 2015-2020.
INTEGRASI TEKNOLOGI DAN NILAI SYARIAH: ANALISIS UTAUT2 TERHADAP NIAT PENGGUNAAN MOBILE BANKING DI SAMARINDA Seong, Majiid Ballo; Mainata, Dedy; Wibowo, Arista
Indonesian Scientific Journal of Islamic Finance Vol 4 No 1 (2025): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v4i1.11357

Abstract

Digital transformation in Islamic banking opens significant opportunities to improve efficiency, financial inclusion, and customer satisfaction. However, despite this progress, the adoption of Islamic mobile banking still lags behind that of conventional banks. This study aims to analyze several determinants influencing the intention to adopt Islamic mobile banking in Samarinda using the UTAUT2 theoretical framework. This study employed a quantitative approach, with 165 respondents selected through conventional sampling. Data collection used an online questionnaire, which was then processed using the SEM-PLS technique. Data analysis showed that habit, social influence, enabling conditions, hedonic motivation, price value, effort expectancy, and performance expectancy significantly influenced intention to use. Gender, age, and experience were shown to moderate some of the relationships between variables on intention to use. These findings provide a basis for developing digitalization strategies for Islamic banks that are more adaptive to consumer preferences.