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All Journal Jurnal Manajemen & Keuangan Tazkia Islamic Finance and Business Review J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Jurnal Tabarru': Islamic Banking and Finance Al-Muqayyad Ihtiyath : Jurnal Manajemen Keuangan Syariah Jurnal Samudra Ekonomika Jurnal Ilmu Perbankan dan Keuangan Syariah Jurnal Investasi Islam Velocity: Journal of Sharia Finance and Banking MEUSEURAYA : JURNAL PENGABDIAN MASYARAKAT JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi Jurnal Akuntansi dan Keuangan Islam (JAKIs)
Zefri Maulana, Zefri
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Pengaruh Non Performing Financing, Murabahah, Mudharabah dan Musyarakah Terhadap Profitabilitas Bank Umum Syariah Periode 2014-2024 Maulana, Zefri; Mauliani, Adjeng; Ulya, Zikriatul
Velocity: Journal of Sharia Finance and Banking Vol 5 No 1 (2025): Mei 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i1.10418

Abstract

Penelitian ini bertujuan menganalisis pengaruh NPF, Murabahah, Mudharabah, dan Musyarakah terhadap Return on Assets (ROA) Bank Umum Syariah di Indonesia pada 2014-2024. Peneliti menggunakan metode kuantitatif dengan data sekunder dari OJK. Hasil penelitian menunjukkan bahwa NPF dan Musyarakah tidak berpengaruh signifikan terhadap ROA. Murabahah berpengaruh negatif dan signifikan, sedangkan Mudharabah berpengaruh positif dan signifikan terhadap ROA. Secara simultan, keempat variabel tersebut berpengaruh signifikan terhadap ROA Bank Umum Syariah di Indonesia.
FAKTOR-FAKTOR YANG MEMPENGARUHI NON PERFORMING FINANCING BANK PEMBIAYAAN RAKYAT SYARIAH DI INDONESIA Mastura; Mastura, Mastura; Maulana, zefri; Midesia, Shelly; Nurjannah, Nurjannah
Jurnal Samudra Ekonomika Vol 9 No 1 (2025): Jurnal Samuka
Publisher : Fakultas Ekonomi dan Bisnis Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jse.v9i1.11027

Abstract

This study aims to analyze the influence of financing to deposit ratio, capital adequacy ratio, and total financing on non-performing financing of Sharia People's Financing Banks (BPRS) in Indonesia. The data used in this study is secondary data obtained from the official website of the Financial Services Authority published in the 2014-2022 period. The research method used is a quantitative method with the data analysis technique used is multiple linear regression. The results of this study show that the ratio of financing to deposits, capital adequacy ratio, and total financing partially affect BPRS non-performing financing in Indonesia. The results of the study also show that the ratio of financing to deposits, capital adequacy ratio, and total financing simultaneously affect BPRS's non-performing financing in Indonesia. The results of the study also show that the variables Financing to Deposit Ratio, Capital Adequacy Ratio, and Total Financing are able to explain the BPRS Non-Performing Financing variable in Indonesia by 33.3%. Recommendations for regulators to provide incentive policies or technical assistance for BPRS that have high NPF levels in order to improve their financial performance.
Determinants of Action Link to Purchasing Decisions for Laku Pandai Services in East Aceh Regency Maulana, Zefri; 'Ula, Tajul; Sakya, Nailul
Jurnal Manajemen dan Keuangan Vol 13 No 1 (2024): JURNAL MANAJEMEN DAN KEUANGAN
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmk.v13i1.11491

Abstract

Action Link at the ami cell 2 store had received an award as the agenty with the most transactions, but after receiving the award, the number of transactions obtained in August experienced a decrease in transactions, even though since the opening of Action Link, transactions have always been crowded. Lack of consumer trust in Action Link leads to a low level of purchase decisions, lack of trust because the withdrawal system uses an account book not using a machine, especially at this time fraud is rampant. This is the cause of consumer distrust, then the service from the store and the service provided by Action Link has not been optimal and the service is not optimal resulting in a low level of purchase decisions. The purpose of this study is to test the influence of word of mouth, trust, and service quality on purchase decisions. The researcher uses quantitative methods in his research. The location studied was the Action Link agent at the Ami Cell 2¬ store located in Keude Blang Village, Idi Rayeuk District, East Aceh Regency. With a population of 97 respondents, the results of the research that have been conducted show that word of mouth (WOM) has an influence and is significant on the decision to purchase smart practice services in East Aceh. Based on the results of the study, trust has an influence on the decision to purchase smart practice services in East Aceh and the quality of service has an influence on the purchase decision.
The Influence of Sharia Financial Literacy, Religiosity, Financial Self-Efficacy, and Financial Locus of Control as Mediating Effects on the Financial Behavior of Qris Users of Islamic Banks. Fitriani, Hidayatul; Maulana, Zefri; Ula, Tajul; Sari, Juli Dwina Puspita
Tazkia Islamic Finance and Business Review Vol. 19 No. 1 (2025): TIFBR
Publisher : Faculty of Islamic Business and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v19i1.389

Abstract

This study aims to analyze the determinants of public interest in the use of QRIS in Sharia Banks with a focus on Langsa City - one of the cities in Aceh which is a province that implements the Islamic financial system. The independent variables tested included promotion, religiosity, education, and financial ability. Shariah financial literacy is considered as an intermediary variable that plays a role in connecting independent variables with dependent variables, namely interest in using QRIS. Considering that literacy and interest in using digital finance in Aceh, especially Langsa City, are still low, this research is important in understanding the factors that affect public interest.This study involved 100 respondents from Langsa City who were randomly taken with a quantity determined through the method of determining the number of Slovin. The analysis method used in this study is the Structural Equation Modeling - Partial Least Squares (SEM-PLS) Method which serves to identify whether the effect of independent variables on dependent variables occurs directly, or through intermediate variables (intermediation). The results of the study show that promotion, religiosity, education, and financial ability significantly affect financial literacy, which then has a positive impact on interest in using QRIS.These findings are expected to help Islamic banking and the government in designing strategies to increase the adoption of digital financial services in Aceh, especially Langsa City.
Pengaruh kebijakan hutang dan kebijakan dividen terhadap nilai perusahaan yang tercatat pada Indeks LQ 45 Bursa Efek Indonesia Periode 2015-2019 Chan, Beby Fadillah; Maulana, Zefri; Kamal, Safwan
Jurnal Investasi Islam Vol 7 No 1 (2022): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v7i1.4387

Abstract

This study aims to determine the effect of debt policy (DER) and dividend policy (DPR) partially and simultaneously on firm value (PBV) listed on the LQ 45 index of the Indonesian stock exchange for the 2015-2019 period. The data used is secondary data, based on financial statements on the Indonesian stock exchange. The data analysis in this study is multiple regression analysis, using normality test, multicollinearity, heteroscedasticity test, t test, f test, and coefficient of determination test through SPSS. The results of this study indicate that partially debt policy has no effect on firm value with a t value of -0.389 with a significance of 0.698 > 0.5 (0.000 < 0.05), dividend policy proxied by the DPR has a positive and significant effect on firm value. proxied by PBV with a t-count value of 3.343 and a significance <0.05. Meanwhile, simultaneous hypothesis testing has a positive and significant effect on firm value, this is indicated by the calculated F value of 5.825 and a significance value of 0.04 which is <0.05. The value of R2 in this study is 0.070, this indicates that the firm value is influenced by debt policy and dividend policy by 7% while the remaining 93% is influenced by variables outside this study.
Financial Inclusion Through E-Wallets: A Besitang Case Study On Promotions, Brand Image And Purchase Behavior Kurlillah, Anis; Munadiati, Munadiati; Safarida, Nanda; Maulana, Zefri; Hafiza, Aulia
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol, 9 No 2 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i2.9897

Abstract

This study explores how e-wallets promote financial inclusion in Besitang, a non-metropolitan Indonesian city. We investigate the influence of features, promotions, and brand image on e-wallet purchasing decisions. A quantitative survey targeting 100 smartphone-owning workers and students was conducted. Analysis revealed that all three factors (features, promotions, and brand image) have a significant positive impact on e-wallet usage (p < 0.05). Together, they explain 80.7% of the variation in purchasing decisions, highlighting their crucial role in e-wallet adoption. These findings emphasize the importance of e-wallet providers implementing innovative features, attractive promotions, and a strong brand image to drive financial inclusion in non-metropolitan areas. The study offers valuable insights for e-wallet companies and opens avenues for further research on e-wallet adoption drivers.
Berkah Finansial: Tantangan dan Implementasi Perencanaan Keuangan Syariah Generasi Z Kota Langsa Mirza, Rinda; Hisan, Khairatun; Maulana, Zefri
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 2 (2024): Vol. 8 No.2 Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i2.9550

Abstract

This study aims to identify the challenges faced by Generation Z in Langsa City in adopting sharia financial planning. Although sharia financial planning offers many benefits, many of them have difficulty understanding and implementing sharia financial principles effectively. This study uses a field research method with a descriptive qualitative approach, involving five informants from Generation Z selected through the Snowball Sampling technique. Primary data were obtained through direct interviews, while secondary data came from literature studies. Key findings indicate variations in the understanding and implementation of sharia financial planning, where some informants have implemented planning systematically, while others are more spontaneous and less organized. The main obstacles faced include a lack of in-depth understanding of sharia principles, as well as the influence of a consumptive lifestyle that hinders the implementation of sharia principles such as the prohibition of usury, gharar, and maysir. This study emphasizes the importance of sharia financial education and literacy to improve financial management in accordance with sharia principles among Generation Z.
Co-Authors 'Ula, Tajul ANDRINI, ROZI Annisa Putri, Rifka Aprilianda, Mayang Astina, Chahayu Bin Mauluddin, Muhammad Ikhwan Chairani, Debi Chan, Beby Fadillah Fitriani, Hidayatul FW Pospos, Ade Fadillah Hafiza, Aulia Hisan, Khairatun Idris, Muhammad Nu'man Ismahani, Nur Kamal, Safwan Kurlillah, Anis Mastura Mastura, Mastura Mauliani, Adjeng Midesia, Shelly Mirza, Rinda Munadiati, Munadiati Nurjannah Nurjannah Sabri, Hatta Safarida, Nanda Sakya, Nailul Sari, Juli Dwina Puspita Sumarni, Mutia Tajul ‘Ula, Tajul Turahmah, Afifa Ula, Tajul Ulya, Zikriatul Virna, Marlinda Intan