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All Journal Management and Economics Journal (MEC-J) Shirkah: Journal of Economics and Business Amwaluna Jurnal Ekonomi dan Keuangan Syariah Bantenese Jurnal Pengabdian Masyarakat POINT AL-ARBAH: Journal of Islamic Finance and Banking JEBDEKER: Jurnal Ekonomi, Manajemen, Akuntansi, Bisnis Digital, Ekonomi Kreatif, Entrepreneur Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Al-bank: Journal of Islamic Banking and Finance Indonesian Community Journal Jurnal Pengabdian Masyarakat STIE Surakarta (DIMASETA) JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Journal of Finance and Islamic Banking Al-bank: Journal of Islamic Banking and Finance JPS (Jurnal Perbankan Syariah) Jurnal Akuntansi JIFA (Journal of Islamic Finance and Accounting)
Mardhiyaturrositaningsih
Universitas Islam Negeri Walisongo Semarang
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Public Health Social Sciences Other

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Human Resources Development Program in Islamic Commercial Banks Mardhiyaturrositaningsih, Mardhiyaturrositaningsih
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 5 No. 2 (2023)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2023.5.2.18106

Abstract

Purpose - This study aims to explore competency development programs to improve sustainable finance in Islamic Commercial Banks.Method - This research is using qualitative research methods to explore human resource management in Islamic Commercial Banks. This research is an exploratory study of the human resource development program at Islamic Commercial Banks during the Covid-19 pandemic. The research identifies the structure, training and development costs and human resource development strategies.Result - The results of this research indicate that each bank has a diverse strategy in developing employee competency through training and development programs. The employee structure of Sharia Commercial Banks also varies according to organizational needs. However, in the educational aspect there are similarities in that the majority are dominated by undergraduate education levels. The allocation of training and development funds at several banks has decreased due to the Covid-19 pandemic.  Implication - This study implies the important role of human resources in an organization and the need for strategies to increase employee competency.Originality- This paper provides information regarding the employee structure of Islamic Commercial Banks and the policies developed at each Islamic Commercial Bank in Indonesia. 
Pengaruh Kemudahan Penggunaan Terhadap Minat Investasi Emas Digital dengan Sikap Sebagai Variabel Mediasi pada Perbankan Syariah di Kota Semarang Ririn Dwi Ariyanti; Muyassarah; Mardhiyaturrositaningsih
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (Jebma) Vol. 6 No. 1 (2026): Article Research Maret 2026
Publisher : Yayasan Cita Cendikiawan Al Kharizmi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jebma.v6i1.8108

Abstract

Latar belakang: Perkembangan investasi emas digital syariah di era digitalisasi perbankan menuntut pemahaman yang lebih mendalam mengenai faktor-faktor yang memengaruhi minat investasi nasabah, khususnya terkait persepsi kemudahan penggunaan layanan. Penelitian ini bertujuan untuk menganalisis pengaruh kemudahan penggunaan terhadap minat investasi emas digital syariah dengan sikap sebagai variabel mediasi pada nasabah Bank Syariah Indonesia di Kota Semarang. Metode: Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui penyebaran kuesioner kepada 110 responden yang memenuhi kriteria penelitian. Teknik analisis data yang digunakan adalah Structural Equation Modeling–Partial Least Squares (SEM-PLS) dengan bantuan perangkat lunak SmartPLS. Hasil: Hasil penelitian menunjukkan bahwa kemudahan penggunaan berpengaruh positif dan signifikan terhadap sikap dan minat investasi emas digital syariah. Sikap juga terbukti berpengaruh positif dan signifikan terhadap minat investasi. Selain itu, sikap berperan sebagai variabel mediasi yang signifikan dalam hubungan antara kemudahan penggunaan dan minat investasi emas digital syariah. Kesimpulan: Kemudahan penggunaan tidak hanya memengaruhi minat investasi secara langsung, tetapi juga secara tidak langsung melalui pembentukan sikap positif nasabah, sehingga temuan ini mendukung relevansi Technology Acceptance Model (TAM) dalam konteks investasi emas digital syariah serta menegaskan pentingnya optimalisasi kemudahan layanan untuk meningkatkan minat investasi nasabah perbankan syariah.
The Effect of Capital Structure on the Financial Performance of Islamic Banks: Mediation of Liquidity Risk Nuzula, Nur Meilinda; Afendi, Arif; Mardhiyaturrositaningsih, Mardhiyaturrositaningsih
MEC-J (Management and Economics Journal) Vol 10, No 1 (2026)
Publisher : Faculty of Economics, State Islamic University of Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/mec-j.v10i1.41261

Abstract

The study uses liquidity risk as a mediating variable to look at the relationship between Indonesian Islamic banks’ capital structure and financial performance. A quantitative methodology was applied using secondary panel data from 13 Islamic commercial banks for the years 2021-2024. Regression of panel data and the Sobel test in EViews 12 were used for the analysis. This study measures financial performance using variables related to liquidity risk and structural capital. The findings demonstrate that capital structure significantly and favorably affects liquidity risk as well as financial performance. Furthermore, financial performance is favorably and strongly impacted by liquidity risk. The Sobel test results demonstrate that liquidity risk serves as a mediating component in part. Regarding the relationship between financial performance and capital structure. These results demonstrate that strong management of liquidity and efficient debt management can boost Islamic banks' profitability.
Co-Authors Arif Afendi Dimas Martha Alif Ida Riskawati Janah, Rohmatul Mahfudz, Muhammad Syarqim Mawaddah, Dewi Malihatul Muhammad Faaiz Zamzami Muhammad Luqman Hakim Muhammad Luqman Hakim, Muhammad Luqman Muyassarah Nihayah, Ana Zahrotun Nuzula, Nur Meilinda Ridwan Maulana Ririn Dwi Ariyanti Saekhu