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All Journal Al-Mashrof: Islamic Banking and Finance
Maya Meilia
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Economics, Econometrics & Finance

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The Integration of Financial Literacy, Financial Attitude, and Financial Motivation in Shaping Sharia Compliant Financial Management Behavior Rosilawati, Weny; Aisyah Balqis; Maya Meilia
Al-Mashrof: Islamic Banking and Finance Vol. 6 No. 2 (2025): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/48avc909

Abstract

This study examines the effects of financial literacy, financial attitude, and financial motivation on financial management behavior among residents of Sukarame District, Bandar Lampung, from an Islamic economic perspective. A quantitative approach was applied using survey data collected from 100 respondents selected through purposive sampling. The data were analyzed using PLS-SEM with SmartPLS 4. The findings reveal that financial literacy, financial attitude, and financial motivation each have a positive and significant influence on financial management behavior. From an Islamic perspective, these behaviors reflect the principles of trustworthiness (amanah), moderation, transparency, and social responsibility, as emphasized in Sharia teachings.This study contributes to the literature on Islamic financial behavior by integrating cognitive, psychological, and motivational dimensions into a unified sharia-based behavioral framework, providing both theoretical enrichment and practical implications for Islamic financial education and policy. Keywords: Financial Literacy; Financial Attitude; Financial Motivation; Financial Management Behavior; Islamic Economics.
Profitability of Sharia Banks in Indonesia: An Analysis of Third-Party Funds and Murabahah Financing at Bank Muamalat Indonesia Rosilawati, Weny; Maya Meilia; Putri Fitriyani
Al-Mashrof: Islamic Banking and Finance Vol. 7 No. 1 (2026): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/sydf0f69

Abstract

The profitability of Islamic banks is a key indicator of how effectively banks perform their intermediation function, particularly in mobilizing Third-Party Funds and allocating them through sharia-compliant financing. This study examines the effect of Third-Party Funds and murabahah financing on the profitability of Bank Muamalat Indonesia during the 2015–2024 period. This research applies a quantitative approach using secondary data from the quarterly financial statements of Bank Muamalat Indonesia. The sample consists of 40 quarterly observations selected through purposive sampling. Profitability is measured by Return on Assets, while Third-Party Funds and murabahah financing serve as independent variables. The data were analyzed using multiple linear regression with EViews 10. The findings show that Third-Party Funds have a positive and significant effect on profitability, and murabahah financing also has a positive and significant effect on profitability. Simultaneously, both variables significantly explain profitability, with an R-squared value of 66.69%. The novelty of this study lies in its institutional focus on Bank Muamalat Indonesia as the first Islamic commercial bank in Indonesia and its use of long-term quarterly data to highlight the role of fund mobilization and financing allocation as indicators of sharia intermediation effectiveness.   Keywords: Third-Party Funds; Murabahah Financing; Profitability; Return on Assets; Bank Muamalat Indonesia
Co-Authors Aisyah Balqis Pratiwi, Nova Putri Fitriyani Weny Rosilawati