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All Journal Jurnal Dakwah Risalah Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Al-Amwal : Journal of Islamic Economic Law Khazanah: Jurnal Studi Islam dan Humaniora JES (Jurnal Ekonomi Syariah Hunafa: Jurnal Studia Islamika IIJSE Journal of Business Management and Islamic Banking Jurnal Manajemen, Akuntansi dan Logistik (JUMATI) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Intelek Dan Cendikiawan Nusantara Advances In Education Journal
Muhammad Iqbal Fasa
Universitas Islam Negeri Raden Intan Lampung, Bandar Lampung, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Penggunaan Mobile Banking, Transaksi Qris, dan Total Pengguna terhadap Pertumbuhan Aset Perbankan Syariah Abeng Suhendra; Femei Purnamasari; Muhammad Iqbal Fasa
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i7.12168

Abstract

This study analyzes the effect of mobile banking usage, QRIS transactions, and the total number of digital service users on Islamic banking asset growth in Indonesia. The research is motivated by increasing digital banking activities not matched by optimal asset growth, requiring empirical testing to assess digitalization effectiveness on financial performance. A quantitative approach with a causal design is employed. Data consist of secondary time-series data for 2023–2025 obtained from official publications of the Financial Services Authority (OJK) and Bank Indonesia (BI). The sampling technique uses census sampling, selecting the entire population due to limited observations and high relevance. Data analysis applies multiple linear regression using SPSS, including classical assumption tests: normality, multicollinearity, autocorrelation, and heteroscedasticity. Results show that, partially, mobile banking usage has a positive, significant effect on asset growth (sig 0.008 < 0.05), QRIS transactions show a positive, significant effect (sig 0.047 < 0.05). The total number of users does not significantly affect asset growth (sig 0.722 > 0.05). Simultaneously, all variables significantly influence asset growth (sig 0.007 < 0.05). The coefficient of determination (R²) is 0.188, indicating 18.8% of asset growth variation is explained by the independent variables, while 81.2% is influenced by factors outside the model. These findings indicate digitalization through mobile banking and QRIS supports asset growth. However, increasing user numbers alone does not significantly impact growth without improving usage quality and optimizing financial intermediation. Integration of digital services with fund mobilization and financing strategies is essential to achieve sustainable asset growth.
Co-Authors A. Zamakhsyari Baharuddin Abeng Suhendra Ahmad Habibi Ahmad Wahyu Hidayat Ahmad Wahyu Hidayat Andi Zamakhsyari Baharuddin Anggraini, Sindi Bagas Dwi Arifin Desi Wahyuni Desta Marta nita Dina Mardiana Astuti Dwi Noviatul Zahra Femei Purnamasari Suharto Suharto Suharto Suharto Suharto Ummi Kaltsum Karunianing Utami Uswatun Khasanah Wardana, Syahla Nabil Yeni Susanti Susanti