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Dampak Pandemi Covid-19 Terhadap Stabilitas Profit Efficiency Perbankan Syariah Indonesia Ahmad - Rivai; Syachrul Wahyudi; M. Shabri Abd. Majid; Marliyah Marliyah; Rita Handayani
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 3 No 3 (2022): February 2022
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v3i3.1040

Abstract

This research aims to investigate the impact of the COVID-19 pandemic on the stability of profit efficiency in Indonesian Islamic banking. The analysis used is quantitative by using Stochastic Frontier Analysis (SFA) as a method for estimating the profit efficiency of Islamic Commercial Banks (BUS) and Sharia Business Units (UUS) before and during the COVID-19 pandemic. The data used is secondary data for BUS and UUS in the period January 2018 to August 2021. From this research it was found that the overall phenomenon of Indonesian Islamic banking has a higher level of profit efficiency during the COVID-19 pandemic than before the pandemic. Partially, UUS has a higher level of profit efficiency than BUS before and during the COVID-19 pandemic. In terms of stability, it also shows the same phenomenon, UUS has higher stability than BUS in generating profits both before and during the COVID-19 pandemic. In this study, it was also found that Total deposit and Non-Performing Financing act as significant determinant factors for the stability of profit efficiency of BUS and UUS. The results of this study further strengthen the existence of Indonesian Islamic banking in the future in facing times of economic and financial crisis
Analysis of the Readiness of Home-Based Industries to Adopt E-Money in Aceh Province, Based on the Unified Theory of Technology Acceptance M. Saleh; M. Shabri Abd. Majid; Suriani; Hamdani; Muhammad Rizal; Hakim Muttaqim
JURNAL ILMIAH GEMA PERENCANA Vol 4 No 3 (2026): Jurnal Ilmiah Gema Perencana
Publisher : POKJANAS Bekerja Sama Biro Perencanaan dan Penganggaran, Sekretariat Jenderal Kementerian Agama RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61860/jigp.v4i3.377

Abstract

The Fourth Industrial Revolution has driven various advancements in technology, one of which is marked by the emergence of the digital revolution that has impacted payment systems, including the use of electronic money (E-money) in financial transactions. The home industry plays a strategic role in supporting national economic development, where innovations in technology-based transaction systems have a significant impact on the sustainability and efficiency of their business activities. One of the rapidly developing innovations today is the use of e-money. The research method employed is a quantitative approach based on the UTAUT model. Data were collected through interviews and the distribution of questionnaires designed using a Likert scale, with questionnaire items based on the variables in the UTAUT model. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) via the SmartPLS software. The results indicate that the intention to use e-money drives actual usage behavior. Ease of use and social influence enhance this intention, while perceived benefits have not yet emerged as a determining factor. Furthermore, facility support plays a crucial role in driving e-money usage within the home industry in Aceh.