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All Journal Kodifikasia: Jurnal Penelitian Islam International Journal Ihya' 'Ulum al-Din Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan JESI (Jurnal Ekonomi Syariah Indonesia) Tasharruf: Journal Economics and Business of Islam Journal of Management and Islamic Finance Mazahib: Jurnal Pemikiran Hukum Islam Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Borneo Islamic Finance and Economics Journal (BIFEJ) INASJIF Journal of Finance and Islamic Banking Wealth: Journal of Islamic Banking and Finance
Dedy Mainata
UIN Sultan Aji Muhammah Idris Samarinda
Religion Arts Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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The Influence of Fee Based Income on Gross Profit Margin and Profit Margin Ratio of Sharia Commercial Bank in Indonesia Period 2018 to 2023 Arvika, Arvika; Parno, Parno; Mainata, Dedy
Wealth: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2024)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v3i2.12242

Abstract

The financial reports of Islamic Commercial Banks (BUS) for the years 2018–2023 that are posted on the websites of the Financial Services Authority (OJK) and associated Islamic Commercial Banks (BUS) serve as the primary source of secondary data for this quantitative research type study. Panel data regression with Fixed Effect and Random Effect models is the data analysis technique employed. E-Views 12 is the analysis tool that was utilized. The results of this study partially show that the Fee-based Income variable has no effect on the Gross Profit Margin of Islamic Commercial Banks for the 2018- s.d 2023 period with a t-statistic value <t table (0.384 <1.970) and a probability value of more than 0.05 (0.70 > 0.05). Fee Based Income has no partial effect on the Profit Margin Ratio of Islamic Commercial Banks with a statistical t value < t table (-0.258 < 1.970) and a probability value greater than 0.05 (0.79 > 0.05). So it can be concluded that Fee Based Income has no partial effect on Gross Profit Margin and Profit Margin Ratio of Islamic Commercial Banks.  
EXPLORING MOBILE BANKING ADOPTION IN INDONESIAN ISLAMIC BANKS: AN APPLICATION OF THE UTAUT2 MODEL Mainata, Dedy; Septia, Rita; Giovani, Revi Mariska
Journal of Management and Islamic Finance Vol. 5 No. 1 (2025): Journal of Management and Islamic Finance
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jmif.v5i1.12193

Abstract

Users of smartphones, PDAs, or other mobile devices can independently perform financial transactions via mobile banking anytime and anywhere. This study aims to understand the factors influencing customer adoption and continued usage of mobile banking services in Indonesia by applying the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2), which considers user experience, gender, age, and education level as moderating variables. Data were collected through a structured questionnaire distributed both online and offline to 226 users of Islamic bank mobile banking services in Indonesia. Selected using a non-probability purposive sampling method, targeting individuals with prior experience in using mobile banking. The sample consisted of respondents from various provinces across Indonesia, predominantly from Java and Kalimantan, with diverse backgrounds in terms of age (mainly aged 30–40 years). The data were analyzed using Smart PLS 4 software. The findings reveal that effort expectancy, habit, hedonic motivation, and social influence significantly influence the adoption and use of mobile banking services. The demographic analysis indicates that users with master’s degrees and those in the 30–40 age group are the most likely to adopt these services. These findings provide strategic insights for Islamic financial institutions aiming to maintain and enhance customer engagement with mobile banking. This study offers a novel contribution to academic discourse and delivers actionable recommendations for policymakers and banking practitioners to design inclusive and Sharia-compliant digital transformation strategies.
Co-Authors Addien Fahma Ardiani Agustina Ningsih Angrum Pratiwi Ardiani, Addien Fahma Arvika, Arvika Darmawati Darmawati Giovani, Revi Mariska Hardiana, Dian Irfan Irfan Mahmud, Prananda Priyandan Mauizatul Hasanah, Mauizatul Moh Mahrus Moh. Mahrus Muhamad Halik Muhammad Birusman Nuryadin Mursyid Parno Parno Parno Parno Parno Parno Pratiwi, Angrum Rahmatullah, Nur Ramadayanti, Rizky Suci Ramadayanti, Rizky Suci Ramadhan, Wahid Nur Rifa'at Nur Rahmah Riski Amalia Rismawati Rismawati Rizal, Fitra Rizky Suci Ramadayanti Septia, Rita Siti Fahraheda Nur Tika Parlina Yovanda Noni