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The Influence Of Mudharabah, Musyarakah And Murabahah Financing On Profitability At Pt. Bank Muamalat Indonesia Tbk Period 2015-2022 Sahid, Sahid; Rinofah, Risal; Maulida, Alfiatul
Journal of Research in Social Science and Humanities Vol 5, No 1 (2025)
Publisher : Utan Kayu Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47679/jrssh.v5i1.234

Abstract

Abstract should This study aims to test and analyze Mudharabah, Musyarakah, Murabahah financing on the profitability of Bank Muamalat Indonesia. There are several factors analyzed in influencing Profitability, namely Mudharabah, Musyarakah and Murabahah Financing. This study uses a quantitative approach using secondary data, namely data obtained from other parties, books related to the main problem being discussed, websites, documentation, the internet, articles, journals and other written data used as references. based on quarterly reports for the period 2015-2022. Data collection techniques that are not directly shown to the research subjects, but through documents. The documents used can be annual reports and other documents, namely the financial statements of Bank Muamalat and Profit Bank. The data analysis method used in this study is Multiple Linear Regression Analysis. The results of the multiple linear regression test partially show that Mudharabah Financing with a significant value of 0.019, Musyarakah Financing with a significant value of 0.030 and Murabahah Financing with a significant value of 0.008 have a significant effect on Profitability. Simultaneously, all independent variables have a significant effect on Profitability, namely a significant value of 0.000 0.05.
THE WORKING CAPITAL, INVESTMENT, THIRD PARTY FUND ON OUTSTANDING FINTECH WITH CREDITOR GROWTH AS MODERATOR Rinofah, Risal; Sari, Pristin Prima; Pratama, Yhoga Heru; Trinugroho, Irwan
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 4 (2024): IJEBAR, VOL. 08 ISSUE 04, DECEMBER 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i4.15628

Abstract

The research aims to empirically examine the influence of working capital financing, investment and third party funds on Fintech Outstanding with Credit Growth Moderators in 2020-2023. Multiple Linear Regression Method with SPSS IBM 20 analysis tool. The significance level of the accepted research hypothesis is 5%. The research sample uses data from the My Data application in Yogyakarta online from the OJK. The benefit of the research is that investors can consider investing in Fintech Lending companies, for Fintech Company management it is to consider flexibility in credit conditions for MSMEs to increase Fintech Outstanding. The results of the research are that working capital credit has a significant effect on outstanding fintech but investment credit, deposits and creditor growth do not have a significant effect on outstanding fintech. Creditor growth was unable to significantly moderate working capital and investment in outstanding fintech. Keywords : Creditor, Fintech, Investment, Third Party fund, Working Capital.
The Impact of Financial Literacy, Family Environment, and Entrepreneurial Characteristics on Entrepreneurial Interest in Yogyakarta's Community Economy Asa, Maria Ekardis; Hermuningsih, Sri; Rinofah, Risal
International Journal of Economics Development Research (IJEDR) Vol. 6 No. 1 (2025): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v6i1.7022

Abstract

This study aims to determine the effect of financial literacy, family environment, and entrepreneurial characteristics on people's entrepreneurial interest in the city of Yogyakarta. The research method uses quantitative. The population in this study is aged 17-30 years. The sample used in this study was 110 people. For the tests used in this study are validity, reliability, normality, heteroscedasticity, multicollinearity, multiple linear regression analysis, partial test, simultaneous test and determination coefficient test. The results of this study indicate that financial literacy variables and entrepreneurial characteristics do not have a significant influence on community entrepreneurial interest. While the family environment has a significant influence on community entrepreneurial interest.
Emerging Trends and Bibliometric Analysis of AI Applications in Financial Services Saputri, Ariska Rukma; Rinofah, Risal; Fuady , Misbach
Economic Education Analysis Journal Vol. 14 No. 1 (2025): Economic Education Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/f25r4127

Abstract

The aim of this study is to analyze research themes, leading authors, and global collaboration networks in AI research within the financial services industry from 2019 to 2024 using bibliometric tools such as VOSviewer. Utilizing data from 226 Scopus-indexed publications, we identified five main research clusters: credit evaluation, fraud detection, investment management, personal banking services, and regulatory compliance. The number of publications increased from nine in 2019 to fifty-two in 2024, reflecting growing global collaboration across thirty-two countries in eight distinct groups. IEEE Access and the International Journal of Bank Marketing emerged as the top journals, with h-indices of 7 and 6, respectively. Co-citation analysis highlights evolving patterns in AI-based risk assessment and automated decision-making systems. The findings demonstrate the rapid integration of AI in financial services, driven in part by the COVID-19 pandemic, providing valuable insights for academics, practitioners, and policymakers. This study lays the groundwork for further exploration of AI’s regulatory, transdisciplinary, and ethical dimensions in financial services.
Analisis Kinerja Keuangan Sebelum dan Saat Pandemi Covid-19 terhadap Risiko Kebangkrutan Perusahaan: Studi pada Perusahaan BUMN yang Terdaftar di Bursa Efek Indonesia Periode 2018-2021 Rinofah, Risal; Maulida, Alfiatul; Sari, Risa Puspita
Jurnal Maksipreneur Vol 14 No 1 (2024)
Publisher : Universitas Proklamasi 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30588/jmp.v14i1.1299

Abstract

This study aims to determine differences in the company's financial performance before and during the Covid-19 pandemic, as well as to determine the effect of financial performance before and during the Covid-19 pandemic on the risk of company bankruptcy. The sample used in this study is a state-owned company listed on the Indonesia Stock Exchange (IDX) for 2018-2021. Sampling using purposive sampling method and obtained 21 companies. The tests used to determine the differences in this study were the paired samples t-test and the Wilcoxon signed ranks test, while the performance effect test on the risk of bankruptcy was measured using the modified Altman Z-score formula and multinomial logistic regression analysis. The results showed that the results of the different tests using the Paired samples t-test, i.e. the Debt to Asset Ratio (DAR) ratio before and during the Covid-19 pandemic, there was no significant difference, but when tested differently using the Wilcoxon Signed Rank Test, i.e. the ratio of return on assets (ROA), return on equity (ROE), debt to equity ratio (DER) there are significant differences both before and during the Covid-19 pandemic, while for the current ratio (CR) and quick ratio (QR), there is no significant difference. While the results of the influence test using a multinomial logistic regression test, the Current Ratio (CR_SBL) before the Covid-19 pandemic and Return on Assets (ROA_ST) during the Covid-19 pandemic had a significant effect on the risk of bankruptcy of BUMN companies, but for other ratios, it had no significant effect. Against the risk of bankruptcy before and during the Covid-19 pandemic.
Pengaruh Keputusan Investasi, Profitabilitas terhadap Nilai Perusahaan dengan Kebijakan Dividen sebagai Variabel Moderasi pada Perusahaan Manufaktur Periode 2017-2021 Lista Utami; Risal Rinofah; Alfiatul Maulida
Ekonomis: Journal of Economics and Business Vol 9, No 1 (2025): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v9i1.1187

Abstract

This research aims to examine the influence of investment decisions, profitability on company value with dividend policy as a moderating variable. The population of this research is industrial companies listed on the Indonesia Stock Exchange for the 2017-2021 period. This research uses quantitative research, with a purposive sampling method. The data used is secondary data obtained from the company's financial reports. The research results show that the investment decision and profitability variables do not have a significant effect on company value and the dividend policy variable is unable to play a role in moderating the investment decision and profitability variables on manufacturing company value during the 2017-2021 period.
Young Investors Interest in Investing in The Capital Market Through Fintech Technology Pesireron, Johannes Martin; Kusumawardhani, Ratih; Rinofah, Risal
Indonesian Journal of Economics, Business, Accounting, and Management (IJEBAM) Vol 2 No 5 (2024): June 2024
Publisher : PT SOLUSI EDUKASI BERDIKARI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63901/ijebam.v2i5.88

Abstract

This study examines the interest of young Yogyakarta student investors in investing in the capital market through fintech technology. Analysis was conducted on the influence of financial literacy, personal interest, and environment on students’ interest in investing. Data was collected through an online questionnaire to 100 Yogyakarta student respondents. The results show that financial literacy has no significant effect on interest in investing, while personal interest and environment have a positive and significant effect. This study contributes to understanding young investors' interest in investing in the capital market through fintech technology. The researcher recommends further research to refine these results.
PENGARUH FAKTOR FUNDAMENTAL TERHADAP RETURN SAHAM PADA PERUSAHAAN SUBSEKOR MAKANAN DAN MINUMAN YANG TERDAFTAR DI BEI PERIODE 2013-2018 Rinofah, Risal; Cahyani, Elah Ria
Journal Competency of Business Vol. 5 No. 2 (2021): Journal Competency of Business
Publisher : Program Studi Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (460.182 KB) | DOI: 10.47200/jcob.v5i02.1091

Abstract

This study aims to determine the effect of Current Ratio, Return On equity, Debt to Equity Ratio, dan Price Book Value on Stock Return. The population of this research is the food and beverage companies for the 2013-2018. Samples were taken using purposive sumping techniquie. The sample consisted of 11 companies from 16 food and beverage companies liested on the Indonesia Stock Exchange in 2013-2018, so the research data analyzed amounted to 60. Based on hypothesis testing using the t test, it is concluded that Current Ratio has a negative and significant effect on Stock Return, Return On Equity has a positive and significant effect on Stock Return, Debt to Equity Ratio has a negative and significant effect on Stock Return, Price Book Value has a significant negative effect.
Peran Mediasi Literasi Keuangan Pada Determinan Kinerja Keuangan UMKM Kinasih, Ayuda Saridiva; Hermuningsih, Sri; Rinofah, Risal
Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) Vol 8, No 1 (2025): Oktober 2024 - Maret 2025
Publisher : Jurnal Akuntansi dan Keuangan Kontemporer (JAKK)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/jakk.v8i1.22446

Abstract

Tujuan Penelitian: Penelitian berfokus pada pengujian dan menganalisis peran teknologi keuangan pada kinerja keuangan UMKM serta untuk mengetahui literasi keuangan mampu memoderasi hubungan antara pinjaman online dan transaksi digital pada kinerja keuangan UMKM.Metode Penelitian: Metode penelitian menggunakan asosiatif kuantitatif dilakukan pada pelaku UMKM di Kapanewon Depok, Sleman. Memiliki populasi sebanyak 9.165 pelaku UMKM yang terdaftar pada Dinas Koperasi, UKM Kabupaten Sleman. Perhitungan sampel menggunakan metode slovin menghasilkan sampel berjumlah 99 responden dengan menggunakan simple random sampling untuk memberikan peluang yang sama serta adil bagi seluruh populasi. Penggunaan data primer dengan penyebarannya melalui kuesioner dari Google form dan dianalisis dengan bantuan IBM SPSS Statistik versi 27.Originalitas/Novelty: Kebaruan penelitian yaitu penambahan variabel literasi keuangan sebagai variabel moderasi.Hasil Penelitian: Pengujian hipotesis menyatakan bahwa teknologi keuangan dapat memberikan pengaruh pada kinerja keuangan UMKM. Literasi keuangan dapat memperkuat efek positif peer to peer lending tetapi ketidakmampuan literasi keuangan mengoptimalkan efek digital payment pada kinerja keuangan UMKM.Implikasi: Dijadikan sebagai pembuka pintu pengetahuan dibidang keuangan, menjadi sumber informasi teknologi keuangan untuk pihak yang membutuhkan serta menjadi acuan untuk pelaku UMKM dalam penggunaan financial technology.Research Objectives: This empirical study seeks to investigate the relationship between financial technology adoption and financial performance of icro, Small, and Medium Enterprises, with particular emphasis on the moderating effect of financial literacyResearch Method: This empirical study adopts associative quantitative methodology to investigate MSMEs in Kapanewon Depok, Sleman. The population comprises 9.165 registered MSMEs. Slovin’s formula yielded a sample size of 99 respondents, selected via simple random sampling. Primary data, collected through google forms questionnaires, underwent statistical analysis using IBM SPSS Statistics version 27Originality/Novelty: The study’s originality stems form incorporating financial literacy as a moderating variable, providing new insights.Research Results: Hypothesis testing reveals that financial technology positively impacts MSMEs financial performance. Financial literacy enhances peer to peer lending’s positive effects, but inadequate financial literacy fails to optimize digital payments impact on MSMEs financial performance.Implications: This research functions as a foundational resource for financial knowledge, offering guidance on financial technology for those seeking information and serving as a benchmark for MSMEs.
The Effect of Overconfidence, Risk Tolerance, Loss Aversion, and Mental Accounting on Crypto Asset Investment Decisions of Generation Z in Yogyakarta Winata, Wulan; Hermuningsih, Sri; Rinofah, Risal
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 9 No 1 (2025): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v9i1.29967

Abstract

This study aims to analyze the effect of psychological characteristics, namely overconfidence, risk tolerance, loss aversion, and mental accounting on crypto asset investment decisions in generation z in Yogyakarta City. The method used was a survey with a questionnaire distributed to 100 investors. The results of multiple linear regression analysis show that overconfidence, risk tolerance, and loss aversion have a significant positive effect on investment decisions, while mental accounting does not show a significant effect. The findings emphasize the importance of psychological factors in investment decision-making in the cryptocurrency market, and may provide insights for investors and market practitioners regarding the investment behavior of the younger generation. This study has limitations in terms of sample and data collection methods, which can be taken into consideration for further research.
Co-Authors abdul Afif faelani Abdul Aziz Suryadi Afivaturokhmah, Neila Agung, Nyoman Pendi Agus Dwi Cahya Agus Dwi Cahya Alfiatul Maulida Alfiatul Maulida Alfiatul Maulida Alfiatul Maulida, Alfiatul Alfiatul Maulinda alfiatulmaulida Alfiyansah Alveno Prakoo Nugroho Alya Tri Apriyani Amanah, Winda angreini, Duwita Anugrah Sepnu Utama Apriyani, Alya Tri Apriyanto, Ari Areza Marta Brona Areza Marta Brona Ari Apriyanto Arif Kurniawan Arum Tri Widiastuti Asa, Maria Ekardis Astari, Yola Ayu Hanasri Ayuni Bahar Sahputri Beatrixon , Maria Brastibian, Imwi Brona, Areza Marta Cahyani, Elah Ria Cindy Rahmawati Putri Utami Damanik, Johannes Maysan Damanudin, Ibnu Dede Hartanto Patarowo Dedi Muhamad Deni Kurniyanto Dhimas Nurcahyo Diah Lestari Mumpuni Dwi Agung Kriswanto Dwi Suryani Eka Wulandari Eka Wulandari Elisabet Yuli Kristanti Elva Syanistya Nur Khasanah Ema Apriyanti Ephy Syah Reza Erfika, Natalia Riski Erni Dwijayanti Fajar Ahmad Aryanto Fauzi, Fitriya Fidiastuti, Fitri Findia Idamazari Fitri Fidiastuti Fuady , Misbach Gendro Wiyono Harta Daya, Viviana Oktaviani Hasna Aini Sabrina Hasya Fatharani Heni   Nur Amrina IBN Udayana Ibnu Damanudin Iga Pramesty, Nadia Ign. Sony Kurniawan Ignatius Soni Kurniawan Ika Nur Yuliningsih Ika Nurul Fadhilah Imam Khulwani Imwi Brastibian Indra Ayu Aninda Wibowo Irfan Kurniawan Irwan Trinugroho, Irwan Islamiati, Dian Ismalia, Dhiah Alda Jajuk Herawati Jajuk Herawati Julaiha, Julaiha Julyana Widjayanti Khusni Fahrurrozi Kinasih, Ayuda Saridiva Kodi, Hutriana Krisdiyanto Krisdiyanto krisdiyanto, krisdiyanto Kurniawati, Aji Kusumawardhani, Ratih Lamak, Rositha Lusia Lema Lestari, Erika Sri Lestari, Septiana Ika Lianus, Jothsia Lista Utami Lusia Nensilya Octavia Lero Maenaka, Ardha Gunung Maha Putri, Virginia Athadhita Maria Beatrixon Sapta Maria Marsilinda Paku Marta Brona, Areza Maulana Muhammad Ferly Maulida, Alfiatula Meyzia Irestia Putri Monita B, Cantika Muhamad Imam Rusdi Muhammad Ahkam Al-Aziz Mujino Mujino Mujino Mujino Mujino Mujino Mujino Mujino Mujino Mujino, Mujino Nabila Salsabila Nadya Adelin Nina Yuliyanti Ningsih, Faturahma Novita Sari Nurindra, Nurindra Ogwu, Ibukun Yoyce Pesireron, Johannes Martin Pingky Karamoy Praduana, Veradela Restu Prahadhita Nerissa Putri Prambada Kirsaputa, Imam Pramudhita Annisa Ramadhani Pratama, Yhoga Heru Prathama Nugraha Prima Putra, Ardian Prima Sari , Pristin Prima Sari, Pristin Pristin Prima Sari Pristin Prima Sari Pristin Prima Sari Pristin Prima Sari Pristin Prima Sari Pristin Prima Sari Pristin Primasari Puspasari, Chintya Anggraini Putra, Ardian Prima Putra, Ardian Prima Putri, Aqilla Tauhidta Arla Putri, Meyzia Irestia Putri, Ulan Lestiana Rafael Erasdio Raharjo, Anisyah Rahayu Setiasri Rahayu Setiasri Raras Ayu Puspitasari Ratih Kusumawardani Ratih Kusumawardhani Ratih Kusumawardhani Ratih Kusumawardhani Ratih Kusumawardhani Ratih Kusumawardhani Ratih Kusumawardhani Ratih Kusumawardhani Ratna Dwi Astuti Resti Gustika Retno Dwi Pangesti Retnodamayanti, Silvia Reza Nurrohman Ria Rahmawati Rindi Silvine Aprilia Riskin Hidayat Riyana, Nita Rizka Dwi Aryati Roma, Heribetus Boli Romadhany, Desvyana Sahid Sahid Salma Andhika Puteri Sandika, Eugenius Flaviano Sangadji, Nursania Saputri, Ariska Rukma Sari, Pristin Prima Sari, Risa Puspita Savira, Betris Ardhea Sedera, Rakotoarisoa Maminaina Heritiana Selfi Anggraini Setiawan, Eko Agus Sherfina Tabatini Evany Shintya Nurhanifah Firdaus Singgih Prasetianto Soni Kurniawan Sri Hermuningsih Sri Hermuningsih Titi Juliani Tri Nurhayati Tyas, Hasti Nugrahaning Ulan Lestiana Putri Vionita Winda Mukti Wahyu Dianto Wahyudi, Renaldi Dwi Wati, Linda Ratna Weny Fitria Wibowo, Indra Ayu Aninda Widyastuti, Meita Lulut Wiji Astuti Winata, Wulan Yerlin Claudia Sarewo Yola Astari Zakiah, Nur