Rifadli D Kadir
IAIN Sultan Amai Gorontalo

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ESTIMASI JANGKA PENDEK DAN JANGKA PANJANG RISIKO PEMBIAYAAN BPR SYARIAH DI INDONESIA Rifadli D Kadir
NISBAH: Jurnal Perbanka Syariah Vol. 5 No. 2 (2019): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v5i2.2166

Abstract

Penelitian ini bertujuan untuk mengetahui faktor internal yang mempengaruhi Non-Performing Financing (NPF) pada BPR Syariah di Indonesia. Metode Analisis data menggunakan Error Correction Model (ECM), dengan menggunakan data time series Januari 2013 sampai dengan Desember 2018. Hasil penelitian ini menunjukkan bahwa  secara jangka pendek variabel Size, CAR, ROA, BOPO dan FDR tidak berpengaruh terhadap NPF. Sementara secara jangka Panjang, hanya Size dan FDR saja yang berpengaruh terhadap NPF BPR Syariah di Indoensia. 
ACCEPTANCE OF ISLAMIC MOBILE BANKING IN GIVING DONATION: DO TRUST AS A MEDIATION? Roni Mohamad; Chitra Yuliashri Katili; Rifadli D Kadir
NISBAH: Jurnal Perbankan Syariah Vol. 9 No. 1 (2023): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v9i1.9871

Abstract

This study analyzes the interest in using donation payment services in Islamic bank mobile banking. Using the Technology Acceptance Model (TAM), variables that can affect interest are analyzed. Some of the variables used are Perceived Ease of Use (PEU), Availability of Islamic Features (AIF), Perceived Risk (PR), and Trust. This study specifically used trust variables as mediation. Data obtained using questionnaires to 118 respondents were then analyzed using SEM-PLS with Smart-PLS 3 software. The results of this study show that the Variable Availability of Islamic Features (AIF) is the primary variable in increasing trust, while Perceived Ease of Use and Perceived Risk are not following the hypothesis proposed. This research has implications for the development of Islamic banks, especially related to the use of donation payment service features using mobile banking. If it wants to increase interest in customers using mobile banking, especially in donation payments, Sharia banking must increase trust in Islamic banks.