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All Journal Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan EQUILIBRIUM Jurnal Asy-Syari'ah HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Studia Economica: Jurnal Ekonomi Islam Jurnal EMT KITA Jurnal Ilmiah Universitas Batanghari Jambi AJIS : Academic Journal of Islamic Studies AL-FALAH : Journal of Islamic Economics NUSANTARA : Jurnal Ilmu Pengetahuan Sosial JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Ekonis : Jurnal Ekonomi dan Bisnis Jurnal Vokasi Jurnal Akuntansi Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) AL-FALAH : Journal of Islamic Economics Jurnal BILAL: Bisnis Ekonomi Halal Majalah Iptek Politeknik Negeri Medan Polimedia Jurnal Budgeting KEYNESIA : INTERNATIONAL JOURNAL OF ECONOMY AND BUSINESS AT-TIJARAH: Journal Islamic Banking and Finance Research Komposit : Jurnal Pengabdian Dan Pemberdayaan Masyarakat TANJAK : Jurnal Pengabdian Kepada Masyarakat Jurnal Ekonomi, Manajemen, Akuntansi
Anriza Witi Nasution
Politeknik Negeri Medan
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Menumbuhkan Minat Menabung Mahasiswa: Pengaruh Literasi Keuangan Islam, Motivasi, Digitalisasi, dan Kepercayaan Hasibuan, Siti Halimah; Nasution, Anriza Witi; Zulhendry, Zulhendry; Zuardi, Muhammad; Nuraini, Nuraini
Jurnal EMT KITA Vol 10 No 1 (2026): JANUARY 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i1.5660

Abstract

This study aims to examine the influence of Islamic financial literacy, saving motivation, service digitalization, and trust on students’ interest in saving at Bank Syariah Indonesia. Primary data were collected through questionnaires distributed to 60 students of the Islamic Finance and Banking Study Program at Medan State Polytechnic. The study employed a quantitative approach using a Likert-scale instrument. The collected data were analyzed using multiple linear regression with SPSS version 26. The findings indicate that Islamic financial literacy (t hitung = 2,842; Sig. = 0,006) and trust (t hitung = 5,001; Sig. = 0,000) have a positive and significant effect on students’ interest in saving, while saving motivation (t hitung = 0,373; Sig. = 0,711) has no significant effect. Conversely, service digitalization (t hitung = -2,166; Sig. = 0,035) shows a negative and significant effect on saving interest. Simultaneously, the four independent variables jointly have a positive and significant influence on saving interest at Bank Syariah Indonesia. The coefficient of determination (R²) of 0.633 suggests that 63.3% of the variation in saving interest can be explained by the four independent variables, while the remaining 36.7% is attributed to other factors not examined in this study.
Analysis of the influence of liquidity, capital adequacy ratio, and operational efficiency on profitability in the sustainability of Bank Mega Syariah Salsabila, Sarah; Nasution, Anriza Witi; AK, Marlya Fatira; Rahmadani, Rahmadani; Seri, Ermyna
Keynesia : International Journal of Economy and Business Vol. 4 No. 1 (2025): Keynesia: International Journal of Economics and Business
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/keynesia.v4i1.1872

Abstract

This study aims to determine the effect of liquidity (NPF and FDR), Capital Adequacy Ratio (CAR) and operational efficiency (BOPO) on profitability (ROA) in the sustainability of Bank Mega Syariah. The sample in this study includes the financial statements of Bank Mega Syariah for the period 2010 to 2024 quarter I to IV with total of 60 periods. This study uses secondary data from OJK and Bank Mega Syariah publications. Data collection techniques with documentation studies. Data processing technique used a multiple linear regression test with a significant level of 5 percent (α = 5%). Based on the results of the study, it shows that NPF had an significant effect on the profitability of Bank Mega Syariah with a very low and inverse relationship, FDR had an significant effect on the profitability of Bank Mega Syariah with a low and inverse relationship, CAR had no significant effect on the profitability of Bank Mega Syariah with a very low relationship and inversely proportional, BOPO had an effect on the profitability of Bank Mega Syariah in a significant with a strong relationship and inversely proportional, NPF, FDR, CAR, and BOPO simultaneously had an significant effect on the profitability of Bank Mega Syariah.
Co-Authors AK, Marlya Fatira Anita Putri Asmalidar Asmalidar Auliah, Dina Azizah2020 azizah Bakti Viyata Sundawa Binti Abdul Rahman, Rahimah Bt Mohamad Zain, Jasni Cahyoginarti Chuzaimah Batubara, Chuzaimah Diena Fadhilah Diena Fadhilah, Diena Faddila, Luthfiya Gultom, Selfi Afriani Hasibuan, Raya Puspita Sari Hasibuan, Siti Halimah Hubbul Wathan Indri Dithisari Iskandar Muda Ismi Affandi Isnaini Harahap Jihan Khairunisa Kurnia, Tuti lubis, muhammad haqqi an nazili lubis M. Shabri Abd. Majid Marliyah, Marliyah Marlya Fatira AK Meily Surianti Mhd Safarudin Alhakim Michelle Theresa Hutagalung Muhammad Rusdi dan Afritha Amelia - Muslim Marpaung Nuraini Nuraini Nurmala Pakpahan, Nurul Hikmah Pandapotan Ritonga Rahmad Azahar Siregar Rahmadani Rahmadani Rasida Zahara Reni Ria Armayani Rifki Ismal Roslina Roslina, Roslina Salsabila, Sarah Saparuddin Siregar Saragih, Fitriani Seri, Ermyna Siregar, Pani Akhiruddin Siregar, Rumnasari K.Siregar Siregar, Rumnasari Khoiriyah Siti Kadariah Sudirman Suparmin Sugianto Supaino, Supaino Susilawati, Susilawati Tambunan, Khairina Thea Gemala Rahmina Kimin Tuti Anggraini Yusoff, Marina Zuardi, Muhammad Zulhendry, Zulhendry