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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Shirkah: Journal of Economics and Business Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ekuilnomi Wadiah : Jurnal Perbankan Syariah Journal of Innovation Research and Knowledge Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Qualitative Research of Business and Social Sciences
Yuni Astuti
Universitas Islam Negeri Raden Mas Said Surakarta
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Capital Structure Adjustment Speed in Indonesia: Does Sharia Compliance Matter? Arum Pujiastuti; Saefudin Saefudin; Rizki Dini Shandra Yunita; Yuni Astuti
Shirkah: Journal of Economics and Business Vol. 7 No. 3 (2022)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v7i3.483

Abstract

Leverage Speed of Adjustment (henceforth SOA) has previously been studied by researchers; however, the examination of its connection with sharia law has been overlooked. The majority of the literature currently in circulation comes from the Middle East and North Africa (MENA) region and Malaysian markets, so its implications for businesses in Indonesia may not be applicable given local regulations and cultural norms. This study investigates the distinction in the debt levels and the SOA of firms in Indonesia based on compliance to sharia law. The Two-step Generalized Method of Moment (GMM) model was used to calculate the SOA in the leverage model. We discover that sharia compliance plays a role in stimulating the Indonesian firm’s level of debt and leverage SOA. To put it more precisely, sharia firms use less debt and have a slower SOA than conventional firms. Overall, Indonesian firms implement the dynamic trade-off theory in their leverage framework. Instead of relying on conventional debt, which is only available at certain levels, sharia firms must issue Islamic debt instruments to accelerate the speed of adjustment. Even after a robustness test using various sharia compliance approaches, our results remained consistent.
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT INVESTOR DALAM BERTRANSAKSI SAHAM. (Studi Kasus Pada Investor Galeri Investasi Syariah FEBI UIN Surakarta) Yuni Astuti; Rais Sani Muharrami; Helmi Haris
Journal of Innovation Research and Knowledge Vol. 2 No. 4: September 2022
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Faktor yang mempengaruhi minat investor dalam bertransaksi saham penting untuk dipahami sebagaimana hal tersebut merupakan referensi untuk literasi pasar modal. Faktor-faktor tersebut adalah pengetahuan tentang investasi saham, saldo minimum, persepsi terhadap return, dan persepsi terhadap risiko saham. Data dalam penelitian ini merupakan data kualitatif dari kuesioner yang didistribusikan kepada 315 investor Galeri Investasi Syariah FEBI UIN Raden Mas Said Surakarta. Data dianalisis dengan menggunakan uji validitas, reliabilitas, dan asumsi klasik. Hipotesis diuji dengan menggunakan Regresi Linear Berganda melalui Program SPSS versi 22. Hasil pengujian menunjukkan bahwa pengetahuan tentang investasi saham, modal minimum, dan persepsi terhadap return saham berpengaruh secara positif terhadap minat bertransaksi saham. Sedangkan, persepsi terhadap risiko saham tidak berpengaruh terhadap minat bertransaksi saham.
Pengaruh Bauran Pemasaran (4P) Terhadap Minat Menggunakan Produk Tabungan Emas Pada Pegadaian Syariah Jauhara Zakiyah Iffah; Liza Fibrianti; Yuni Astuti
WADIAH Vol. 7 No. 2 (2023): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v7i2.310

Abstract

This research is aimed to analyze the influence of marketing mix (4P: Product, Place, Price, and Promotion) in using gold saving Product for Faculty of Economic and Business Islam (FEBI) students Raden Mas Said State Islamic University Surakarta. This research is descriptive quantitative. Questionnaires were distributed to 120 students of FEBI Raden Mas Said State Islamic University Surakart a . The data were tested validity with Confirmatory Factor Analysis (CFA) and reliability with Alpha Cronbach formula to test the of the research instrument. The hypothesis were analyzed by multiple regression analysis using SPSS version 23. This study found that the independent variables in this study simultaneously influenced the interest variable in using Gold Savings Products at Pegadaian Sharia. This study found that the marketing mix (4P), namely place, price, product and promotion, partially only product variables that did not affect the interest in saving gold.
Analisis Kualitas Layanan terhadap Kepuasan dengan Metode Importance Perfomance Analysis (Studi Kasus BSI KCP Sutoyo Kota Tegal) Anugrah Setiaji; Yuni Astuti
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.20584

Abstract

Penelitian ini menggunakan Metode Importance Perfomance Analysis (IPA) untuk menganalisis kualitas layanan dan kepuasan nasabah BSI KCP Sutoyo. Data peneitian berasal dari kusioner yang diisi oleh 150 responden dengan teknik sampling Rascoe. Kemudian data yang terkumpul dihitung gap jawabanyan dan dianalisis diagram kartesius. Hasil analisis menunjukkan bahwa perusahaan harus meningkatkan pelayanan yang berada di kuadran 1. karena memberikan pelayanan yang kurang memuaskan bagi nasabah dan dianggap penting oleh nasabah. Hasil penelitian menunjukkan bahwa BSI KCP Sutoyo Kota tegal perlu memperbaiki dan mempertimbangkan semua fitur yang dianggap kurang dan perlu ditingkatkan untuk meningkatkan kepuasan nasabah.
Analisis Faktor-Faktor yang Mempengaruhi Pemilihan Bank Syariah pada Generasi Z di Kota Surakarta Siti Saringatul Mangisah; Yuni Astuti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i3.4903

Abstract

This study aims to analyze the factors that affect the selection of Islamic banks in Generation Z. The research method used is a quantitative method using SmartPLS version 3.0. The population in this study is generation Z in Surakarta City with a questionnaire distributed to 160 respondents. The data analysis method used in the study is the measurement model (outer model), namely the validity test and the Reliability test, the structural model (inner model) includes: the determination coefficient test or R-Square (R2), and the hypothesis test with the t-statistical test. The results of the study show that Product Knowledge has a positive but not significant effect on Generation Z's Interest in Saving, while Facilities and Religiosity have a positive and significant effect on Generation Z's Interest in Saving. In addition, the variable of Product Knowledge needs to be further researched because a deep understanding of Islamic banking products also has the potential to influence the decision of Generation Z in choosing Islamic Banks as a place to save.
Determination of Factors Influence Customer Satisfaction at BMT Syariah Sejahtera Boyolali Khotijah Arum; Yuni Astuti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.5065

Abstract

The COVID-19 pandemic became a major problem for BMT because it restricted interaction with customers. Therefore, trust in BMT also decreased. This study aimed to assess customer satisfaction of BMT Syariah Sejahtera Boyolali used service quality, trust, and customer value. The population in this study were regular customers of the BMT Syariah Sejahtera Boyolali. The questionnaires were distributed to 109 BMT customers. The data tested by validation tests, reliability tests, tests of classical assumptions, and multiple linear regression analysis. The findings indicated that customer trust and value significantly influenced customer satisfaction. However, service quality didn't influence to customer satisfaction.
BMT microfinance management model: Developing sharia financing instruments for sharia-based MSMEs Jawad Z. Salic; Adhelia Desi Prawestri; Baniady Gennody Pronosokodewo; Yuni Astuti
Qualitative Research of Business and Social Sciences Vol. 3 No. 2 (2026): Qualitative Research of Business and Social Sciences
Publisher : Department of Accounting Universitas PGRI Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31316/qrobss.v3i2.8891

Abstract

This study examines the use of Baitul Maal wa Tamwil (BMT) microfinance in supporting Sharia-based Micro, Small, and Medium Enterprises (MSMEs) through an analysis of capital management behavior and Islamic financial literacy. Using purposive sampling, a total of 59 Sharia-compliant MSME operators in the Special Region of Yogyakarta were surveyed through structured questionnaires that capture indicators of Sharia capital foundations, microfinance utilization, and operational financing support. The collected data were analyzed using Exploratory Factor Analysis (EFA) to identify the latent constructs underlying MSME behavior in adopting BMT-based financing. The EFA results extracted three dominant factors—Sharia-Based Capital Foundations, Function of Sharia Microfinance Utilization, and Operational and Innovation Support Through Sharia Financing—which jointly explain 51.821% of the total variance. These findings demonstrate that BMT plays a significant role in providing halal-based capital, supporting MSME operational efficiency, and strengthening innovation capacity within a Sharia-compliant framework. The study provides empirical evidence on the importance of Sharia microfinance institutions in enhancing MSME sustainability and contributes a model that may be adapted to emerging Sharia-based MSME ecosystems in other countries, such as the Philippines.
Pengaruh Faktor Makroekonomi Terhadap Kinerja Indeks JII30 Tahun 2015-2024: Pendekatan VECM Firda Safitri; Yuni Astuti
Jurnal Ekuilnomi Vol. 8 No. 2 (2026): Ekuilnomi Vol 8 (2), Mei 2026
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekononomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/fx54m860

Abstract

Penelitian Penelitian ini menganalisis pengaruh faktor-faktor makroekonomi terhadap kinerja Jakarta Islamic Index 30 (JII30) selama periode 2015–2024. Variabel makroekonomi yang digunakan meliputi nilai tukar, jumlah uang beredar, inflasi, suku bunga, dan harga emas dunia. Data yang digunakan merupakan data sekunder bulanan yang diperoleh dari Badan Pusat Statistik (BPS), Bank Indonesia (BI), Bursa Efek Indonesia (BEI), dan World Gold Council (WGC). Metode analisis yang diterapkan adalah Vector Error Correction Model (VECM) setelah dilakukan uji stasioneritas, uji lag optimal, dan uji kointegrasi. Hasil penelitian menunjukkan bahwa dalam jangka panjang nilai tukar dan inflasi berpengaruh negatif dan signifikan terhadap JII30, sedangkan jumlah uang beredar dan suku bunga berpengaruh positif dan signifikan. Sementara itu, harga emas dunia tidak berpengaruh signifikan terhadap JII30. Dalam jangka pendek, seluruh variabel makroekonomi tidak menunjukkan pengaruh yang signifikan terhadap JII30. Hasil penelitian ini memberikan implikasi bagi investor dalam mengambil keputusan investasi pada saham syariah serta bagi regulator dalam menjaga stabilitas makroekonomi guna mendukung perkembangan pasar modal syariah di Indonesia
ANALYSIS THE PERFORMANCE OF SHARIA AND CONVENTIONAL EQUITY MUTUAL FUNDS (STUDY FOR BIBIT APPLICATION DURING JANUARY 2022-JUNE 2025) Risma Nada Insyiroh; Yuni Astuti
JURNAL PROFIT Vol 10, No 1 (2026): Economic And Investment
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v10i1.14732

Abstract

This study aims to analyze the difference in performance between sharia stock mutual funds and conventional stock mutual funds available on the Bibit application during the period from January 2022 to June 2025. This study uses a quantitative approach with secondary data in the form of monthly Net Asset Value (NAV). The research sample amounted to 35 mutual funds, consisting of 8 sharia stock mutual funds and 27 conventional stock mutual funds, which were selected using purposive sampling techniques based on criteria that had been set according to the research objectives. Performance measurement was carried out using the Sharpe Ratio, Treynor Ratio, Jensen Alpha, M², Information Ratio, RMAR, and RDIV methods. Furthermore, differential testing was performed with the Independent Sample T-Test for normally distributed data and the Mann-Whitney U Test for non-normally distributed data. The results of the study show that there are significant differences in the Sharpe Ratio, RMAR, and Jensen Alpha indicators, while in the Treynor Ratio, M², Information Ratio, and RDIV indicators, no significant differences were found between the two types of mutual funds. Conventional stock mutual funds show better performance based on the Sharpe Ratio and RMAR indicators, while Islamic equity mutual funds are superior to the Jensen Alpha indicator. Overall, the results of the study show that conventional stock mutual funds tend to have better performance than Islamic stock mutual funds during the study period. 
Co-Authors Adhelia Desi Prawestri Anugrah Setiaji Arum Pujiastuti Baniady Gennody Pronosokodewo Firda Safitri Helmi Haris Jauhara Zakiyah Iffah Jawad Z. Salic Khotijah Arum Liza Fibrianti Rais Sani Muharrami Risma Nada Insyiroh Rizki Dini Shandra Yunita Saefudin Siti Saringatul Mangisah