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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Ekonomi Bisnis AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat AL-Hikmah: Jurnal Studi Agama-agama Maqasid: Jurnal Studi Hukum Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) IIJSE Danadyaksa: Post Modern Economy Journal
Haqiqi Rafsanjani
Universitas Muhammadiyah Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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Peran dan Fungsi Bank Indonesia Setelah Adanya UU Otoritas Jasa Keuangan (OJK) Haqiqi Rafsanjani
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 3 No 2 (2018)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v3i2.14502

Abstract

Otoritas Jasa Keuangan adalah sebuah lembaga pengawasan jasa keuangan seperti industri perbankan, pasar modal, reksadana, perusahaan pembiayaan, dana pensiun, pegadaian, leasing, factoring, asuransi dan lainya. Keberadaan Otoritas Jasa Keuangan (OJK) sebagai suatu lembaga pengawasan sektor keuangan di Indonesia yang perlu diperhatikan, karena ini harus dipersiapkan dengan baik segala hal untuk mendukung keberadaan OJK tersebut.
The The Effect of Work-Life Balance and Financial Compensation on Job Satisfaction Mediated by Locus of Control at Bank Muamalat Surabaya Anis Fitriyanti; Rifa’atul Maftuhah; Haqiqi Rafsanjani
Danadyaksa: Post Modern Economy Journal Vol. 4 No. 1 (2026): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

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Abstract

Job satisfaction is an important aspect of human resource management that influences employee performance and loyalty. This study aimed to analyze the effect of work–life balance and financial compensation on job satisfaction, with locus of control serving as a mediating variable among employees of Bank Muamalat Surabaya. The study employed a quantitative approach using an explanatory research method. Data were collected from employees of Bank Muamalat Surabaya, with 138 respondents selected using a purposive sampling technique. Data were gathered through a Likert-scale questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS software. The results showed that work–life balance and locus of control had a positive and significant effect on job satisfaction, whereas financial compensation had no significant effect. Locus of control was also found to mediate the effect of work–life balance on job satisfaction but did not mediate the effect of financial compensation. These findings indicate that employee job satisfaction is influenced more by work–life balance and psychological factors than by financial factors.
The Effect of Profit-Sharing Levels and Interest Rates of Sharia Banking on Mudharabah Financing in Sharia Commercial Banks in Indonesia Dwi Salma Nabila; Rifa'atul Maftuhah; Haqiqi Rafsanjani
Danadyaksa: Post Modern Economy Journal Vol. 4 No. 1 (2026): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

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Abstract

This study aims to analyze the effect of profit sharing rates and interest rates on mudharabah financing at Islamic Commercial Banks in Indonesia for the period 2018–2024. Mudharabah financing is one of the main instruments in Islamic banking based on profit and loss sharing, but its development is still relatively low compared to other types of financing. This condition is influenced by the dynamics of the national banking system, changes in monetary policy, and competition with conventional banks in the dual banking system. This study uses a quantitative approach with the Vector Error Correction Model (VECM) method. The data used are secondary data in the form of time series obtained from the Financial Services Authority (OJK), Bank Indonesia (BI), and Islamic Banking Statistics. The analysis stages include stationarity tests, optimal lag determination, Johansen cointegration tests, VECM estimation, Impulse Response Function (IRF), and Variance Decomposition (VD). The results show that the profit sharing rate measured through the profit sharing ratio has a positive effect on increasing the volume of mudharabah financing. Meanwhile, interest rates, proxied by the BI 7-Day Reverse Repo Rate, influence mudharabah financing because they influence public preferences in selecting financing instruments in a dual banking system. These findings also indicate a long-term equilibrium relationship and short-term adjustment dynamics between the three research variables. This research is expected to contribute to the development of Islamic finance literature and serve as a consideration for Islamic banks in formulating more effective, competitive, and stable financing policies in accordance with Islamic principles.
Analysis of the Level of Knowledge and Perception of Non-Muslim Generation Z Students Regarding Sharia Banking Digital Banking Services Aulia Zilvina Lauretta Fianto; Rukhul Amin; Haqiqi Rafsanjani
Danadyaksa: Post Modern Economy Journal Vol. 4 No. 1 (2026): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

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Abstract

The development of digital technology has encouraged the transformation of banking services, including in Islamic banking which continues to develop digital banking services to improve accessibility, efficiency, and service quality to the community. On the other hand, there are still differences in the level of public understanding and perception of Islamic banking, especially among non-Muslim Generation Z students. Research on this group is still limited, even though Generation Z is a group that is very close to digital technology and has the potential to become users of banking services in the future. Therefore, this study aims to analyze the level of knowledge and perception of non-Muslim Generation Z students about Islamic bank digital banking services. This study uses a quantitative approach with a descriptive research design. Data was collected through the distribution of online questionnaires to 100 non-Muslim Generation Z students who were selected using purposive sampling techniques. Data analysis was carried out using descriptive statistics with the help of SPSS software. The results show that the level of knowledge of non-Muslim Generation Z students regarding Islamic bank digital banking services is in the high category with a percentage of 78.67%. Meanwhile, respondents' perception of Islamic bank digital banking services was in the positive category with a percentage of 78.40%. The results show that respondents have a good understanding of the concepts, features, sharia principles, security, and benefits of digital banking services, and provide a positive assessment of the ease of use, service quality, and transaction security offered. The findings of this study contribute to expanding the understanding of the acceptance of Islamic bank digital banking services among non-Muslims, especially Generation Z. This study concludes that Islamic bank digital banking services have a great opportunity to be accepted by the interfaith community. The next study is suggested to examine the factors that affect the level of knowledge and public perception of Islamic bank digital banking services with a wider scope of respondents.
Co-Authors Amin, Rukhul ANI SETYAWATI Anis Fitriyanti Aulia Zilvina Lauretta Fianto Bella Gita Novalia Dian Berkah Dwi Salma Nabila Enjeli Femi Soviani Erika Inayah Aulia Rahma Irma Muzdalifa Lely Dwi Rahmawati Luluk latifah Maftuhah . Marsha Meira Albania Mohammad Sya’roni Muhammad Bintang Rifqi Kashfillah Nabila Aretha Putri Yunaz Putri Diah Salsabillah Rifa'atul Maftuhah Rifa'atul Maftuhah Rifa'atul Maftuhah Rifa’atul Maftuhah Rifa’atul Maftuhah Shafinar Binti Ismail Virana, Tiara Anindya