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All Journal TSARWATICA (Islamic Economic, Accounting, and Management Journal)
Bambang Sugiharto
STIE Sutaatmadja, Subang , Indonesia
Religion Economics, Econometrics & Finance

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ANALYSIS OF MUDHARABAH FINANCING AND MUSYARAKAH FINANCING OF ISLAMIC COMMERCIAL BANKS IN INDONESIA BEFORE AND DURING THE COVID-19 PANDEMIC Sri Mulyati; Bambang Sugiharto; Syifa Ariella Putri; Annisa Putri Kartini
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol. 4 No. 2 (2023)
Publisher : STIESA Press

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This study aims to determine the development of mudharabah financing and musyarakah of Islamic commercial banks before and during the Covid-2019 pandemic and whether there are differences in mudharabah financing and musyarakah of Islamic commercial banks in Indonesia before and during the Covid-19 pandemic. This study used samples on Islamic commercial banks registered with the Financial Services Authority with conditions before (2018-2019 period) and during the Covid-19 pandemic (2020-2021 period). The data used in the study were secondary data with data collection techniques using online data tracing and analyzed using a quantitative descriptive method that compared data on mudharabah financing and islamic commercial bank musyarakah before and during the Covid-19 pandemic on annual financial statements and tested using a test tool, namely a paired sample t-test. The results of this study can be concluded that the development of mudharabah financing and musyarakah of Islamic commercial banks before and during the Covid-2019 pandemic experienced fluctuating developments. Then there is no significant difference between mudharabah and musyarakah financing of Islamic commercial banks in Indonesia before and during the covid-19 pandemic.
THE EFFECT OF ISLAMIC FINANCIAL LITERACY, RELIGIOSITY, SERVICE QUALITY AND PROMOTION TO INTEREST OF SAVING CUSTOMERS IN ISLAMIC BANKS Bambang Sugiharto; Icih Icih; Asep Rizal
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol. 4 No. 1 (2022)
Publisher : STIESA Press

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This study aims to determine the effect of Islamic financial literacy, religiosity, service quality, and promotion on customer interest in saving at Islamic banks. The subjects in this study were customers of Bank Syariah Indonesia (BSI) KCP Subang. The sample used in this study was 115 respondents. The sampling technique is done by probability sampling. Data collection techniques in the form of questionnaires and documentation. The method used is quantitative. The data analysis technique used in this research is logistic regression. The results of this study indicate that the Islamic financial literacy variable has a positive and significant effect on customers' saving interest, religiosity has a positive and significant effect on customers' saving interest, service quality has a negative and significant effect on customers' saving interest, while promotion has no significant effect on customers' saving interest
Co-Authors Annisa Putri Kartini Asep Rizal Icih Icih Sri Mulyati Syifa Ariella Putri