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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Academica : Journal of Multidisciplinary Studies
Hanifah Aminin
Universitas Islam Negeri Raden Mas Said Surakarta
Economics, Econometrics & Finance Education Social Sciences Other

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Pengaruh Persepsi Risiko, Kepercayaan Dan Keamanan Terhadap Minat Menggunakan BSI (Bank Syariah Indonesia) Mobile Wida Utami; Ika Dina Rofika; Trisma Kamelia; Yulia Budiarti; Tasnim Mushlihah; Hanifah Aminin; Rizka Awaliya Nur Azizah; Niken Septiani
Academica : Journal of Multidisciplinary Studies Vol. 7 No. 1 (2023): January - June 2023
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/academica.v7i1.7414

Abstract

This study aims to examine the interest in using BSI Mobile in terms of perception, trust, and security risks as independent variables. This research applies a quantitative method and involves 100 respondents using BSI Mobile. The research data was obtained by distributing questionnaires online. Processing research data using multiple linear regression analysis in SPSS 23. The results of the study prove that the perceived risk variable (X1) does not affect interest in using mobile BSI with a t-count value of 0.362 < t-table value of 1.984 and a significance value of 0.718 > 0.05. The trust variable (X2) does not affect interest in using BSI Mobile with a t-count value of 1.796 < t-table value of 1.984 and a significance value of 0.080 > 0.05. Security has a positive effect on interest in using BSI Mobile with a t-count value of 6.676 > t-table value of 1.984 and a significance value of 0.00 <0.05. The implication of this research states that security is a factor that greatly influences interest in using BSI Mobile.
Analisis Faktor-Faktor yang Berpotensi pada Perkembangan Market Share Perbankan Syariah di Indonesia Hanifah Aminin; Fuad Hasyim; Rais Sani Muharrami
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.20480

Abstract

Abstract This study aims to analyze the potential factors in the development of Islamic banking market share in Indonesia from the indicators of ROA, DPK, BOPO, Equivalent Rate, and Number of ATMs. This study uses a quantitative approach from annual financial reports with a population of Islamic banking for the last 10 years. The sampling method with purposive sampling obtained 11 BUS for the period 2013-2022. While the data analysis method applies the panel data regression analysis method with the Eviews 10 program. The results obtained simultaneously variable ROA, DPK, BOPO, Equivalent rate, and Number of ATMs have an influence on the market share of Islamic banking in Indonesia. While partially ROA, BOPO, and Number of ATMs have no significant effect on the market share of Islamic banking in Indonesia. While DPK has a significant effect on the market share of Islamic banking in Indonesia, because the management is able to manage funds well so that the amount of DPK is getting bigger which can illustrate the higher public confidence in Islamic banking. Equivalent Rate has a significant effect on the market share of Islamic banking in Indonesia, because with a high rate of return, customers will be interested in transacting at Islamic banks. Keywords: Islamic Financial Ratio, DPK, Equivalent Rate, Number of ATMs, Market Share Abstrak Penelitian ini memiliki tujuan guna menganalisa faktor-faktor yang berpotensi pada perkembangan market share perbankan syariah di Indonesia dari indikator ROA, DPK, BOPO, Equivalent Rate, dan Jumlah ATM. Penelitian ini memakai pendekatan kuantitatif dari laporan keuangan tahunan dengan populasi perbankan syariah selama 10 tahun terakhir. Metode pengambilan sampel dengan purposive sampling diperoleh 11 BUS periode 2013-2022. Sedangkan metode analisis data menerapkan metode analisis regresi data panel dengan program Eviews 10. Hasil penelitian diperoleh secara simultan variabel ROA, DPK, BOPO, Equivalent rate, dan Jumlah ATM memiliki pengaruh terhadap market share perbankan syariah di Indonesia. Sedangkan secara parsial ROA, BOPO, dan Jumlah ATM tidak berpengaruh signifikan terhadap market share perbankan syariah di Indonesia. Sedangkan DPK berpengaruh signifikan terhadap market share perbankan syariah di Indonesia, dikarenakan pihak manajemen yang mampu mengelola dana dengan baik sehingga jumlah DPK semakin besar yang dapat menggambarkan semakin tingginya kepercayaan masyarakat terhadap perbankan syariah. Equivalent Rate berpengaruh signifikan terhadap market share perbankan syariah di Indonesia, dikarenakan dengan tingkat pengembalian yang tinggi maka nasabah akan tertarik untuk bertransaksi pada bank syariah. Kata kunci: Rasio Keuangan Syariah, DPK, Equivalent Rate, Jumlah ATM, Market Share
Co-Authors Fuad Hasyim Ika Dina Rofika Niken Septiani Rais Sani Muharrami Rizka Awaliya Nur Azizah Tasnim Mushlihah Trisma Kamelia Wida Utami Yulia Budiarti