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Journal : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah

Pengaruh Pengetahuan Keuangan, Sikap Keuangan Dan Perilaku Keuangan Terhadap Kinerja Nuraeni Nuraeni; Ahmad Faisol Ghofiri; Khoirul Huda
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 3 (2023): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i3.384

Abstract

The purpose of this study was to analyze: (1) the effect of financial knowledge on MSME performance (2) the effect of financial attitudes on MSME performance (3) the effect of financial behavior on MSME performance (4) The effect of financial knowledge, financial attitudes and financial behavior on MSME performance. The type of research conducted by this researcher is a questionnaire research. The sampling technique was carried out using a non-probability sampling technique with a purposive sampling technique with a population of 100 respondents. With the criteria that UMKM have been operating for at least 3-2 years, transactions have used internet banking such as (Ovo, Go-Pay, Funds, Shopee-pay) in Pasuruan Regency. While the analysis technique used is multiple linear regression analysis with the calculation analysis tool using SPSS 24. The results of this study indicate that: 1. the financial knowledge variable has no positive and insignificant effect on MSME performance 2. The financial attitude variable has a positive and significant effect on MSME performance. 3. The financial behavior variable has no positive and significant effect on MSME performance. 4. The financial knowledge, financial attitude and financial behavior variables have a positive and significant effect on MSME performance.
Pengaruh Dana Pihak Ketiga Dan Manajemen Risiko Terhadap Kinerja Keuangan Bank Pembiayaan Rakyat Syariah Di Indonesia Nuraeni Nuraeni; Lita Murdiana; Khoirul Huda
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 4 (2023): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i4.457

Abstract

Banking, which acts as a financial middleman, is crucial to a country's economy. One definition of a bank is an entity whose primary business is to accept deposits from the general public and then make loans, savings accounts, and other financial products and services available to residents of the community in order to raise everyone's quality of living. People's credit banks (BPR) in Indonesia are financial institutions that conduct their operations in accordance with traditional banking practices and/or sharia law. This research set out to quantify the impact of external funding and risk management on the bottom lines of Indonesia's islamic rural banks. From the total sample size of 164 businesses, 46 were selected at random as representative of the banking sector. The Statistical Package for the Social Sciences (SPSS 29) was used for all statistical analyses and data processing. Findings from the study include: (1) the insignificant impact of third-party funds on BPRS performance; (2) the insignificant negative impact of non-performing financing on BPRS performance; (3) the insignificant impact of the financing-to-deposit ratio on BPRS performance; and (4) the significant negative impact of operational costs on BPRS performance.