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All Journal I-Finance Journal El-Mubarak: Islamic Studies Journal
Muhammad Arief
Universitas Islam Negeri Raden Fatah Palembang
Religion Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences Other

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Pengaruh Suku Bunga Terhadap Bagi Hasil Deposito Mudharabah Dengan Mediasi Return On Asset (ROA) Muhammad Arief; Rika Lidyah; M Iqbal
I-Finance Journal Vol 7 No 1 (2021): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v7i1.8406

Abstract

This study aims to determine the effect of the Interest Rate on the profit-sharing of Mudharabah deposits with Return On Asset (ROA) as mediation at Sharia Banks in Indonesia in 2014-2018. This research uses quantitative methods. The type of data in this study is secondary data. Data collection techniques using documentation techniques. The sample selection tested in this study uses a purposive sampling method. The sample used is the quarterly financial statements in 2014-2018 at 3 Islamic commercial banks in Indonesia. In this study data analysis techniques using the SPSS 21 application. The results of this study indicate that interest rates have a positive and significant effect on the profit-sharing of Mudharabah deposits and interest rates also have a negative and significant effect on return on assets (ROA). Return On Assets (ROA) has a negative and significant effect on the profit-sharing of Mudharabah deposits. While interest rates have a positive and significant effect on the profit-sharing of Mudharabah deposits with Return On Asset (ROA) as mediation
PERSEPSI DAN MOTIVASI GENERASI Z DALAM MEMBAYAR ZAKAT SECARA DIGITAL Muhammad Arief; Muhammad Arkan; Dinda Amelia; Sabila Rahmadani; Deby Anora
El-Mubarak: Islamic Studies Journal Vol. 3 No. 1 (2026): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v3i1.708

Abstract

The development of digital technology has transformed various aspects of society, including the way zakat payments are conducted through online platforms. Generation Z, as a generation that has grown up in the internet era, demonstrates a strong tendency to utilize digital services, including online zakat payments. This study aims to analyze the perceptions and motivations of Generation Z in paying zakat through digital platforms in Indonesia. The research employs a descriptive qualitative method using the Theory of Planned Behavior (TPB) proposed by Icek Ajzen as the analytical framework. Data were collected through in-depth interviews, observations, and documentation involving Generation Z informants who had previously used digital zakat services. Data analysis was conducted using the interactive model developed by Matthew B. Miles and A. Michael Huberman. The findings reveal that Generation Z holds positive perceptions of digital zakat services, considering them practical, efficient, flexible, and easily accessible via smartphones. Their motivation to use digital zakat services is influenced by religious awareness, social concern, social media exposure, and the growing culture of cashless transactions. Nevertheless, concerns regarding data security and platform transparency remain significant barriers to the adoption of digital zakat services.
Co-Authors Deby Anora Dinda Amelia Muhammad Arkan Muhammad Iqbal Rika Lidyah Sabila Rahmadani