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All Journal JOURNAL OF APPLIED BUSINESS ADMINISTRATION Jurnal Ekonomi
Nur Ahmadi Bi Rahmani
State Islamic University Of North Sumatra, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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THE IMPACT THE INFLUENCE OF ISLAMIC BANKING HEALTH LEVEL TO THE LEVEL OF PUBLIC CONFIDENCE WITH THE PERFORMANCE BANKING AS AN INTERVENING VARIABLE : CASE STUDY ON ISLAMIC COMMERCIAL BANKS Period 2017-2021 Sarah Ramadhani; Hendra Harmain; Nur Ahmadi Bi Rahmani
Jurnal Ekonomi Vol. 12 No. 3 (2023): Jurnal Ekonomi, 2023, September
Publisher : SEAN Institute

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Abstract

This research aims to determine the effect of 1) Risk profile on public trust, 2) Good Corporate Governance on public trust, 3) Earnings on public trust, 4) Capital on public trust and 5) Islamic banking performance on public trust. This research was conducted using a descriptive quantitative method supported by SPSS. For this reason, some important information is generated, namely 1) Risk profile has a negative but significant influence on public trust; 2) positive GCG has a good effect on public trust; 3) Earnings owned by Islamic banks have no influence on public trust; 4) Capital owned by Islamic banks has a connection or influence with public trust; 5) Between the performance of Islamic banking and trust, there is no influence between the two.
Interaction Use Paylater Regarding Student Decisions with Lifestyle as Variables Moderation in the Perspective of Islamic Economics : A Case Study of FEBI Students at UIN North Sumatra Muhammad Iqbal; Muhammad Syahbudi; Nur Ahmadi Bi Rahmani
Journal of Applied Business Administration Vol 9 No 2 (2025): Journal of Applied Business Administration
Publisher : Pusat P2M Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaba.10693

Abstract

The advancement of financial technology has given rise to Paylater services, which are increasingly favored by university students, particularly for fulfilling their consumption needs directly. However, this convenience has the potential to trigger consumer behavior that conflicts with it. Based on this phenomenon, this study formulates the following question: Does the use of a Paylater perspective influence students' consumption decisions, and does lifestyle moderate this relationship? This study aims to analyze the effect of Paylater usage on student decisions and to examine the role of lifestyle as a moderating variable. The method employed is a quantitative approach using multiple regression and Moderated Regression Analysis (MRA). A sample of 98 students from the Faculty of Islamic Economics and Business at UIN North Sumatra was obtained through purposive sampling. The results indicate that Paylater usage has a significant effect on students' consumption decisions. Furthermore, lifestyle is proven to moderate this relationship, where a consumptive lifestyle strengthens the influence of pay later on consumption decisions. These findings indicate a shift in student consumption patterns toward instant and emotional behavior. Therefore, financial literacy education based on Sharia principles and promotion is necessary to address the penetration of digital financial services.
Co-Authors Hendra Harmain Muhammad Iqbal Muhammad Syahbudi Sarah Ramadhani