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All Journal Islam Futura Global Review of Islamic Economics and Business IJBE (Integrated Journal of Business and Economics) Jurnal SOLMA Asy Syar'iyyah: Jurnal Ilmu Syari'ah dan Perbankan Islam Tawshiyah: Jurnal Sosial Keagamaan dan Pendidikan Islam Al-bank: Journal of Islamic Banking and Finance JYRS: Journal of Youth Research and Studies Indonesian Journal of Accounting and Business Society Al-bank: Journal of Islamic Banking and Finance Madania: Jurnal Kajian Keislaman Mawaizh : Jurnal Dakwah dan Pengembangan Sosial Kemanusiaan Edugama: Jurnal Kependidikan dan Sosial Keagamaan Jurnal of Islamic and Social
Hendra Cipta
Institut Agama Islam Negeri Syaikh Abdurrahman Siddik Bangka Belitung
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Pengetahuan Keuangan, Gaya Hidup, Religiusitas Terhadap Pola Konsumsi Aparatur Sipil Negara (ASN) Pemerintah Kabupaten Bangka Purnama Sari; Hendra Cipta; Ahmad Fadholi
EJESH: Journal of Islamic Economics and Social Vol. 3 No. 2 (2025): EJESH: Jurnal of Islamic Economics and Social
Publisher : Master of Sharia Economics Program, IAIN Syaikh Abdurrahman Siddik Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/ejesh.v3i2.5319

Abstract

Islam positions consumption activities as one of the important aspects to obtain glory (falah) so that it needs to be controlled so that it runs in rhythm with Islamic teachings. The phenomenon of the State Civil Apparatus (ASN) sharing consumptive behavior, and hedonistic lifestyle on social media, has caused public criticism. The demand for simplicity of the State Civil Apparatus must be highlighted in front of the public, because basically the income of the State Civil Apparatus (ASN) is paid by state taxes, the value of the income of the State Civil Apparatus (ASN) is stable, so in this case financial knowledge plays an important role in the management of consumption patterns according to sharia principles.The credibility of the profession must be maintained by an ASN because his profession is vulnerable to social sanctions, so service performance and performance to the public are the main thing. One of the factors affects the consumption pattern of a person's level of religiosity, then lifestyle and financial knowledge. This study looks at the influence of financial knowledge, lifestyle and religiosity on the consumption patterns of the Civil Apparatus of the Bangka Regency Government. This study uses inferential quantitative statistical testing, namely the reciprocal relationships between different research variables and causality in a study, using a sample of 160 respondents reinforced by Power analysis and data analysis techniques used multiple regression tests. with the help of SPSS 26.0.0. The results of the hypothesis test (T-Test) partially show that the significance value of the variable X1 (Financial Knowledge) of 0.001 that H0 is rejected and H1 is accepted, meaning that there is an influence between Financial Knowledge and Consumption Patterns. X2 of 0.604 is greater than 0.05 where H0 is accepted and H1 is rejected, which means that Lifestyle does not have a significant effect on consumption patterns.Then the religiosity of X3 of 0.000 is less than 0.05 and a decision can be obtained that H0 is rejected and H1 is accepted, so that religiosity affects consumption patterns. The F value is calculated as 19.028 > the F table is 0.1552 or the p-value is 0.000 < 0.05, so the independent variable of Consumption Pattern simultaneously has a significant effect on the dependent variables, namely X1 (Financial Knowledge), X2 (Lifestyle), X3 (Religiosity).
Pengaruh Dana Pihak Ketiga, Kualitas Aktiva Produktif, dan Pembiayaan Murabahah Terhadap Return On Asset (ROA) Pada Bank Umum Syariah di Indonesia Tahun 2020-2024 Eli Kartika; Ahmad Irvani; Hendra Cipta
EJESH: Journal of Islamic Economics and Social Vol. 4 No. 1 (2026): EJESH: Jurnal of Islamic Economics and Social
Publisher : Master of Sharia Economics Program, IAIN Syaikh Abdurrahman Siddik Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/36kppm51

Abstract

Bank Umum Syariah (BUS) memegang peran strategis dalam sistem keuangan Indonesia, dengan profitabilitas yang diukur melalui Return on Asset (ROA) sebagai indikator utama kesehatan keuangan. Penelitian ini menguji pengaruh parsial dan simultan Dana Pihak Ketiga (DPK), Kualitas Aktiva Produktif (KAP), dan Pembiayaan Murabahah terhadap ROA pada BUS periode 2020–2024. Menggunakan pendekatan kuantitatif dengan data panel dari 14 BUS, penelitian ini menerapkan analisis regresi linier berganda dan uji asumsi klasik. Hasil menunjukkan bahwa DPK dan Pembiayaan Murabahah berpengaruh signifikan terhadap ROA, sedangkan KAP tidak berpengaruh signifikan. Secara simultan, ketiga variabel berpengaruh positif dan signifikan terhadap ROA dengan nilai Adjusted R² sebesar 42,8%. Temuan ini mengindikasikan bahwa mobilisasi dana dan pembiayaan berbasis bagi hasil tetap menjadi pendorong utama profitabilitas BUS, sementara proksi kualitas aktiva memerlukan pendekatan manajemen risiko yang selaras dengan prinsip perbankan syariah. Penelitian ini berkontribusi pada literatur perbankan syariah dengan menguji determinan profitabilitas pada era pasca-merger dan pasca-pandemi, serta memberikan rekomendasi strategis bagi manajemen bank dan pembuat kebijakan
Co-Authors Ahmad Fadholi Ahmad Irvani Al Fakhri Zakirman Destiana, Yolanda Eka Wita Sari Eli Kartika Fahlevi, Mahfudz Reza Fazaria Fazaria Hatamar Hatamar Hatamar, Hatamar Himmatul Ulyah Indrawati Indrawati Makmun, Sukran Musa Musa Oktiya Ningsih Purnama Sari Radiamoda, Anwar Reka Meilani Riska Aprilia Riyani Fitri Lubis Siti Rohanah Ulfa, Khoirina Zakirman, Al Fakhri