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All Journal KEUNIS EKSPANSI Jurnal Ilmiah Universitas Batanghari Jambi al-Afkar, Journal For Islamic Studies PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Amwaluna Jurnal Ekonomi dan Keuangan Syariah International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Iqtisaduna Jurnal Riset Ekonomi Syariah Bandung Conference Series : Sharia Economic Law Bandung Conference Series : Syariah Banking Journal of Islamic Economics and Business Jurnal Ekonomi Syariah Indonesia Jurnal Riset Perbankan Syariah LAN TABUR: JURNAL EKONOMI SYARIAH
Yayat Rahmat Hidayat
Prodi Hukum Ekonomi Syariah, Fakultas Syariah, Universitas Islam Bandung, Indonesia.
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Kesadaran, Pengetahuan, dan Motivasi terhadap Keputusan Menggunakan Layanan Keuangan Syariah Khoerunnisa Nuraisyah Jamilah; Yayat Rahmat Hidayat; Nanik Eprianti
Bandung Conference Series: Syaria Banking 181-190
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.25170

Abstract

Abstract. The shift toward Islamic financial behavior among Muslim youth is often assumed to be driven mainly by religious awareness. This study examines the effect of religious awareness, Islamic financial knowledge, and religious-economic motivation on the decision to use Islamic financial services among alumni of Darul Arqam Muhammadiyah Garut, class of 2022. Using a quantitative survey method, data were collected from 122 respondents (Slovin formula, 5% margin of error, population of 175) through a Likert-scale questionnaire, then analyzed using multiple linear regression. The results show that Islamic financial knowledge (β = 0.522) and religious-economic motivation (β = 0.361) have a significant positive effect on the decision, while religious awareness has a significant negative effect (β = −0.147, p = 0.021). Simultaneously, the three variables significantly affect the decision (F = 25.015, p < 0.001) and explain 38.9% of its variance (R² = 0.389). The negative effect of religious awareness suggests that highly religious respondents tend to critically evaluate the sharia compliance of financial products rather than adopt them uncritically. These findings imply that religiosity alone is insufficient to drive Islamic financial inclusion without adequate financial literacy. Abstrak. Pergeseran perilaku keuangan generasi muda Muslim ke arah layanan keuangan syariah kerap diasumsikan semata didorong oleh kesadaran religius. Penelitian ini bertujuan menganalisis pengaruh kesadaran religius, pengetahuan keuangan syariah, dan motivasi keagamaan dan ekonomi terhadap keputusan menggunakan layanan keuangan syariah pada alumni Darul Arqam Muhammadiyah Garut angkatan 2022. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan survei. Data dikumpulkan dari 122 responden (rumus Slovin, margin of error 5%, populasi 175 orang) melalui kuesioner skala Likert, lalu dianalisis menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa pengetahuan keuangan syariah (β = 0,522) dan motivasi keagamaan dan ekonomi (β = 0,361) berpengaruh positif dan signifikan terhadap keputusan, sedangkan kesadaran religius justru berpengaruh negatif dan signifikan (β = -0,147, p = 0,021). Secara simultan, ketiga variabel berpengaruh signifikan terhadap keputusan (F = 25,015, p < 0,001) dan mampu menjelaskan 38,9% variasinya (R² = 0,389). Pengaruh negatif kesadaran religius mengindikasikan bahwa responden dengan kesadaran religius tinggi justru bersikap kritis terhadap kesesuaian syariah produk keuangan, bukan menerimanya begitu saja. Temuan ini menunjukkan bahwa religiusitas semata tidak cukup untuk mendorong inklusi keuangan syariah tanpa disertai literasi keuangan yang memadai.
Pengaruh Pembiayaan Syariah terhadap Profitabilitas PT Bank Victoria Syariah Periode 2020–2025 Siti Nurchalisha; Yayat Rahmat Hidayat; Akhmad Yusup
Bandung Conference Series: Syaria Banking 217-224
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.26025

Abstract

Abstract. Islamic banks channel financing based on contracts with different risk and return characteristics, so profitability is expected to move in line with the volume of financing disbursed. This study examines the effect of Murabahah, Mudharabah, Musyarakah, and Ijarah financing on the Return On Assets (ROA) of PT Bank Victoria Syariah Tbk during the period of the first quarter of 2020 to the second quarter of 2025. A quantitative associative approach was used with secondary time-series data drawn from the bank's published quarterly financial statements. Data were processed through multiple linear regression using EViews, preceded by classical assumption tests covering normality, multicollinearity, heteroscedasticity, and autocorrelation. The results show that the regression model is free from classical assumption violations. Partially, Murabahah and Mudharabah financing have no significant effect on ROA, while Musyarakah and Ijarah financing have a significant negative effect. Simultaneously, the four financing instruments significantly affect ROA, with an R-squared of 0.593452, meaning 59.35% of ROA variation is explained by the model. These findings suggest that the volume of financing alone does not guarantee profitability; financing quality and risk management play a more decisive role, particularly for partnership-based (profit-and-loss sharing) and lease-based contracts. Abstrak. Bank syariah menyalurkan pembiayaan berdasarkan akad-akad dengan karakteristik risiko dan imbal hasil yang berbeda, sehingga tingkat profitabilitas idealnya bergerak sejalan dengan volume pembiayaan yang disalurkan. Penelitian ini bertujuan untuk mengetahui pengaruh pembiayaan Murabahah, Mudharabah, Musyarakah, dan Ijarah terhadap Return On Assets (ROA) PT Bank Victoria Syariah Tbk selama periode Triwulan I 2020 hingga Triwulan II 2025. Penelitian menggunakan pendekatan kuantitatif asosiatif dengan data sekunder berupa data deret waktu yang bersumber dari laporan keuangan triwulanan bank yang dipublikasikan. Data diolah melalui analisis regresi linier berganda berbantuan EViews, didahului dengan pengujian asumsi klasik yang meliputi normalitas, multikolinearitas, heteroskedastisitas, dan autokorelasi. Hasil pengujian menunjukkan model regresi terbebas dari pelanggaran asumsi klasik. Secara parsial, pembiayaan Murabahah dan Mudharabah tidak berpengaruh signifikan terhadap ROA, sedangkan pembiayaan Musyarakah dan Ijarah berpengaruh negatif dan signifikan. Secara simultan, keempat jenis pembiayaan berpengaruh signifikan terhadap ROA dengan nilai R-Squared sebesar 0,593452, yang berarti 59,35% variasi ROA dijelaskan oleh model. Temuan ini mengindikasikan bahwa besarnya volume pembiayaan semata tidak menjamin profitabilitas, sementara kualitas pembiayaan dan manajemen risiko memegang peran yang lebih menentukan, terutama pada akad berbasis kemitraan (bagi hasil) dan sewa.
Co-Authors Aam Slamet Rusydiana Ahmad Ghazi Zhafiirin Ahmad Ghazi Zhafirin Ahmad Zaini, Abdul Malik dan Akhmad Yusup Ali Musthafa Alya Naima Siti Najwa Anita Retno Fitriani Asep Ramdan Hidayat Atmima Tabi’inattien Al-ahya Deden Gandana Madjakusumah Dwi Nuraeni Eva Misfah Bayuni Febby Andriani Saputri Rahman Febriadi, Sandy Rizki Gina Nugrahawati Haikal Alif Sya'bani Ibrahim, Mohammad Andri Intan Manggala Wijayanti Ira Siti Rohmah Iwan Permana Khoerunnisa Nuraisyah Jamilah Kinanti Alya Nur Izza Km Sultan Zulfikram E Krisna Kurnia M Andri Ibrahim Malida Nur Anisa Maman Surahman Mita Qurrota Ayunin Mohamad Andri Ibrahim Muawia Y.I. Alzamli Muhammad Andri Ibarahim Muhammad Fakhri Mubarok Nadya Az-Zahra Nandang Ihwanudin Nanik Eprianti Nurul Izzah Panji Adam Agus Putra Popon Srisusilawati Radhia Rahmi Khairunnisa Raditya Gantari Ahmad Riyadi Raisya Alipya 10010322037 Ramdan Fawzi Resti Risdianingsih Selva Nur Fadhilah Selvira Eka Suci Shabila Nurfitriani Shakila Carisya Shakila Charisya Tsania Sina Lailatus Shafa Siti Fitri Murdiah Siti Nurchalisha Suherlan, Cinta Auly Salzabilla Udin Saripudin Vita Rahmah Yandi Maryandi