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All Journal Labatila: Jurnal Ilmu Ekonomi Islam Jurnal Akuntansi dan Keuangan Wadiah : Jurnal Perbankan Syariah
Yulfan Arif Nurohman
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Economics, Econometrics & Finance

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Determinan Penggunaan E-Wallet Generasi Milenial Muslim Aisyah Aisyah; Yulfan Arif Nurohman; Rina Sari Qurniawati
LABATILA : Jurnal Ilmu Ekonomi Islam Vol 6 No 02 (2022)
Publisher : Lembaga Penelitian dan Pengembangan Masyarakat IAINU Kebumen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33507/labatila.v6i02.1025

Abstract

The development of information technology provides advances in the financial sector, especially digital payments. At this time digital payments have become a necessity to get some of the access offered to the public. The purpose of this study is to examine the factors that determine the millennial generation to use e-wallets. The variables tested include perceived usefulness, perceived ease of use, perceived risk and perceived security. Respondents in this study are the Muslim millennial generation in Solo Raya area. Based on the results of the data search, a sample of 108 respondents was obtained. The technique of selecting respondents using purposive sampling which provides certain criteria to the sample. The research method used is descriptive research with multiple linear analysis. Tests were carried out using SPSS software by testing the validity and reliability before carrying out multiple regression to prove the hypothesis. Based on the data obtained, it shows that the majority of respondents are dominated by women, while the majority of jobs are private employees. The results of the variable test show that perceived usefulness and perceived usefulness have a positive influence on usage decisions for the Muslim millennial generation. The perceived risk and security variables do not affect the decision to use e-wallets.
Apakah Pembiayaan Mudharabah dan Pembiayaan Musyarakah Memiliki Dampak yang Berbeda Terhadap Risiko Kredit Bank Umum Syariah? Alifka Farisa Putri; Yulfan Arif Nurohman
AKUA: Jurnal Akuntansi dan Keuangan Vol. 4 No. 1 (2025): Januari 2025
Publisher : Yayasan Pendidikan Penelitian Pengabdian Algero

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54259/akua.v4i1.3456

Abstract

This study aims to analyze the differences in the impact of Mudharabah financing and Musyarakah financing on credit risk. Specifically, this study wants to test whether Mudharabah financing tends to be riskier than Musyarakah financing. In this study, data were collected using purposive sampling techniques with specific criteria. With this method, the author was able to identify 9 banking sectors that met the criteria and produced a total of 108 research data used as the basis for analysis. Data analysis was carried out using classical assumption tests, multiple linear regression, partial tests, simultaneous tests, and determination tests assisted by SPSS. The results of the partial test (T) showed that Mudharabah financing had no significant effect on NPF, while Musyarakah financing was proven to have a significant effect on NPF. Based on these findings, it can be concluded that Mudharabah financing is not riskier than Musyarakah financing. The determination test produced a value of 0.686 or 68.6%, which indicates that Mudharabah and Musyarakah financing together have an effect on NPF, while the remainder 31.4% is influenced by other factors outside this research model. The understanding of Mudharabah and Musyarakah financing is crucial in managing the performance of Islamic banks concerning Non-Performing Financing (NPF) risk. The research findings support the agency theory in the context of Islamic financing, highlighting the importance of risk management and the relationship between fund owners and fund managers.
Penggunaan Theory Of Planned Behavior Untuk Memprediksi Investasi Emas Di Bank Syariah Winda Ayu Rahmawati; Yulfan Arif Nurohman
WADIAH Vol. 9 No. 1 (2025): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v9i1.1808

Abstract

Penelitian ini bertujuan untuk menganalisis penggunaan theory of planned behavior (TPB) terhadap investasi emas di bank syariah. Masalah utama yang dihadapi adalah kurangnya pemahaman yang memengaruhi nasabah dalam minat untuk keputusan investasi emas di bank syariah. Tujuan penelitian ini adalah untuk mengevaluasi pengaruh sikap, norma subjektif, kontrol, serta pengetahuan investasi dan risiko investasi terhadap investasi emas melalui bank syariah di Solo Raya. Metode analisis yang digunakan adalah metode kuantitatif, pada penelitian ini analisis yang digunakan meliputi : uji validitas dan reliabilitas, uji asumsi klasik, analisis regresi linier berganda dan uji hipotesis yang pengolahan datanya dilakukan dengan bantuan software SPSS 26. Sampel yang digunakan di dalam penelitian sebanyak 100 responden. Hasil penelitian bahwa sikap investasi berpengaruh signifikan terhadap keputusan investasi, dengan nilai signifikan 0,004 < 0,05, kontrol perilaku berpengaruh signifikan dengan nilai 0,031 < 0,05, norma subjektif berpengaruh signifikan dengan nilai 0,045 < 0,05, dan pengetahuan investasi berpengaruh signifikan dengan nilai 0,000 < 0,05 terhadap keputusan investasi. Sedangkan variable risiko investasi tidak berpengaruh signifikan terhadap keputusan investasi dengan nilai 0,857 < 0,05.
Co-Authors Aisyah Aisyah Alifka Farisa Putri Rina Sari Qurniawati Winda Ayu Rahmawati