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All Journal Al-Maslahah Jurnal Keuangan dan Perbankan Syariah
Nurma Sari
IAIN Pontianak
Religion Economics, Econometrics & Finance Social Sciences

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MANAJEMEN DANA BANK SYARIAH Nurma Sari
Al-Maslahah : Jurnal Ilmu Syariah Vol 12, No 1 (2016)
Publisher : Fakultas Syariah (Syari'ah Faculty )

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (213.512 KB) | DOI: 10.24260/almaslahah.v12i1.341

Abstract

The fund given to third party should be well-saved and secured. Therefore, the process of fund pooling and receiving must be based on the rule of Indonesian Bank, DSN, and Islamic bank. Besides, there must be a guarantee of the fund for its safety and cleanliness. Since Islamic bank dominates the use of sharing model, Muāmalah Māliah, for profit and risk,it must provide professional investment management. Moreover, Islamic bank should be careful in selecting investment in order to secure client’s fund. The main purpose of asset management is to maximize profit, minimize risk, and provide sufficient liquidity. Islamic bank has possible risk as well as conventional bank except interest risk as Islamic bank is according to profit and loss sharing. Bank cannot persuade its clients to invest their money without guarantee for security and withdrawal. Thus, bank must consider the risks that can influence the sum of profit: the assessment of budget and planning profit, company investment effectiveness, asset distribution, and strategy asset management implementation. Asset management strategy must be based on the source of fund and investment characteristics.
Pengaruh Persepsi Kemanfaatan, Kemudahan, dan Keamanan terhadap Minat Bertransaksi Menggunakan BYOND by BSI (Studi pada Mahasiswa Penerima Beasiswa KIP Kuliah IAIN Pontianak Angkatan 2022): The Effect of Perceived Usefulness, Perceived Ease of Use, and Perceived Security on Students' Intention to Use BYOND by BSI for Financial Transactions Siti Khadijah; Nurma Sari; Kholifuddin Roma
Jurnal Keuangan dan Perbankan Syariah Vol 5 No 1 (2026): April 2026
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v5i1.6258

Abstract

Purpose: This study aims to determine whether perceived usefulness, perceived ease of use, and perceived security influence the transaction interest in using the BYOND by BSI application among students receiving the KIP Kuliah Scholarship at class of 2022. Design/methodology/approach:  This study used a quantitative approach with an associative research type. The population consisted of 149 students receiving the KIP Kuliah Scholarship class of 2022, while the sample involved 108 respondents selected through a simple random sampling technique. Data were collected through questionnaires and analyzed using descriptive analysis, instrument testing, classical assumption tests, multiple linear regression analysis, and hypothesis testing with IBM SPSS version 26. Research Findings: The results showed that all research instruments were valid and reliable. The classical assumption tests indicated that the data were normally distributed and free from heteroscedasticity and multicollinearity problems. Multiple linear regression analysis revealed that perceived usefulness and perceived ease of use had a positive and significant effect on transaction interest in using BYOND by BSI. Meanwhile, perceived security did not significantly affect transaction interest, with a significance value of 0.828 > 0.05. This indicates that security is not the main factor influencing transaction interest in using BYOND by BSI. The Adjusted R Square value was 0.347, meaning that perceived usefulness, ease of use, and security explained 34.7% of the variation in transaction interest. Contribution/Originality/Novelty: This study contributes to the development of digital Islamic banking literature, particularly regarding factors influencing students’ interest in using the BYOND by BSI application. The novelty of this research lies in its focus on KIP Kuliah Scholarship recipients at class of 2022 as research subjects in the context of Islamic digital banking adoption.  
Co-Authors Kholifuddin Roma Siti Khadijah