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All Journal El Dinar Jurnal Ekonomi Syariah Teori dan Terapan Journal of Information Systems Engineering and Business Intelligence Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics Journal of Economic, Bussines and Accounting (COSTING) Dinamisia: Jurnal Pengabdian Kepada Masyarakat Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Syarikat : Jurnal Rumpun Ekonomi Syariah Iqtishoduna: Jurnal Ekonomi Islam JESI (Jurnal Ekonomi Syariah Indonesia) J-Dinamika: Jurnal Pengabdian Kepada Masyarakat Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah EconBank : Journal Economics and Banking Tasharruf: Journal Economics and Business of Islam Indonesian Journal of Electrical Engineering and Computer Science Ihsan: Jurnal Pengabdian Masyarakat MALIA: Journal of Islamic Banking and Finance JES (Jurnal Ekonomi Syariah Adz Dzahab : Jurnal Ekonomi dan Bisnis Islam Jurnal Media Ekonomi EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Ekosiana : Jurnal Ekonomi Syariah GREENOMIKA Journal of Islamic economy and Community Engagement MOVE: Journal of Community Service and Engagement Jurnal Ekonomika dan Bisnis Islam Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Formosa Journal of Multidisciplinary Research (FJMR) Mumtaz : Jurnal Ekonomi dan Bisnis Islam Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Journal of Islamic Economics Lariba IIJSE International Conference on Islamic Economic Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Indonesian Journal of Economic & Management Sciences (IJEMS) Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Balance: Journal of Islamic Accounting Ecoducation
Clarashinta Canggih
Universitas Negeri Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Library & Information Science Social Sciences Other

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PENGARUH PROFITABILITAS, LEVERAGE, NILAI TUKAR, INFLASI, DAN BI RATE TERHADAP RETURN SAHAM PADA PERUSAHAAN YANG TERGABUNG DALAM JAKARTA ISLAMIC INDEX (JII) PERIODE 2020.1–2025.2 Michelle Rizkialahi Hadjid; Clarashinta Canggih
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 3 (2026): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/7brt2r60

Abstract

Pergerakan return saham di antara perusahaan-perusahaan yang terdaftar dalam Jakarta Islamic Index (JII) sepanjang periode 2020.1–2025.2 menunjukkan votalitas yang signifikan , yang utamanya didorong oleh pergeseran kondisi ekonomi. Penelitian ini bertujuan untuk menganalisis pengaruh faktor fundamental perusahaan dan variabel makroekonomi terhadap Return saham JII. Faktor fundamental diproksikan melalui Return on Assets (ROA), Earnings per Share (EPS), dan Debt to Equity Ratio (DER), sedangkan variabel makroekonomi meliputi nilai tukar rupiah, inflasi, dan BI Rate. Penelitian ini menggunakan metode kuantitatif dengan data sekunder berbentuk data panel kuartalan. Teknik analisis yang digunakan adalah regresi data panel. Hasil penelitian menunjukkan bahwa variabel makroekonomi memiliki pengaruh yang lebih dominan terhadap Return saham JII dibandingkan faktor fundamental perusahaan, terutama pada periode krisis dan pemulihan ekonomi. Temuan ini menunjukkan bahwa stabilitas ekonomi makro dan kebijakan moneter berperan penting dalam menentukan kinerja Return saham syariah.
DETERMINANTS OF FINANCIAL PLANNING: A META-ANALYSIS ON THE EFFECTS OF FINANCIAL LITERACY AND INCOME Daffa Eka Septianda; Clarashinta Canggih
Jurnal Media Ekonomi (JURMEK) Vol 31 No 1 (2026): Jurnal Media Ekonomi
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/jurnalmediaekonomi.v31i1.3305

Abstract

Purpose: This meta-analytic study aims to synthesize empirical evidence on the influence of financial literacy and income on financial planning, addressing inconsistent findings in previous literature. Design/Methodology/Approach: Employing a quantitative meta-analysis approach following PRISMA guidelines, this study analyzed secondary data from primary empirical studies published between 2021 and 2026. A systematic search across Scopus and Google Scholar yielded k = 11 eligible studies. A random-effects model was applied to account for expected methodological and demographic heterogeneity. Findings: The pooled effect sizes indicate that both financial literacy (r = 0.460, p = .065) and income level (r = 0.452, p = .268) show moderate effect sizes but do not reach statistical significance. Significant heterogeneity was observed in both analyses (Financial Literacy: Q(6) = 50.91, p < .001; Income: Q(3) = 38.75, p < .001), suggesting the presence of potential moderating variables. Novelty: This study provides a novel behavioral finance perspective by explaining the "knowledge-behavior gap" and the "income-saving paradox," moving beyond traditional rational-choice assumptions. Practical/Theoretical Implications: Theoretically, it integrates the Life-Cycle Hypothesis with behavioral biases (e.g., overconfidence, lifestyle inflation). Managerially, it implies that financial education must transcend knowledge transfer to include behavioral nudges, while policymakers must design inclusive financial products that accommodate varying income trajectories.
EFFECT OF IB-VAIC COMPONENTS ON THE FINANCIAL PERFORMANCE OF ISLAMIC BANKING IN THE PERIOD 2013-2023 Raisa Syabani; Clarashinta Canggih
Mumtaz: Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2025): Juli 2025
Publisher : Ali Institute of Research and Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55537/mumtaz.v4i2.1194

Abstract

Studi ini dimaksudkan untuk mengkaji pengaruh masing-masing komponen iB-VAIC terhadap kinerja keuangan bank umum syariah di Indonesia, yang diukur menggunakan indikator Return on Assets (ROA). iB-VAIC sendiri terdiri dari tiga komponen utama, yaitu iB-VACA (kontribusi nilai tambah dari modal finansial), iB-VAHU (kontribusi modal manusia terhadap nilai tambah), dan iB-STVA (kontribusi dari modal struktural). Penelitian ini memanfaatkan data panel yang mencakup 8 bank umum syariah dan 8 unit usaha syariah selama periode 2013 hingga 2023. Adapun metode analisis yang digunakan adalah regresi data panel, dengan pemilihan REM sebagai model terbaik berdasarkan hasil uji Chow, Hausman, dan Lagrange Multiplier. Hasil penelitian menunjukkan bahwa iB-VACA berpengaruh terhadap ROA, sedangkan iB-VAHU dan iB-STVA tidak menujukkan pengaruh pada kinerja keuangan. Temuan ini mengindikasikan bahwa efisiensi penggunaan capital employed adalah faktor utama dalam meningkatkan profitabilitas bank syariah. Studi ini memberikan implikasi bahwa pengelolaan modal intelektual secara komprehensif termasuk efisiensi pengelolaan capital employed sebagai bagian dari aset intelektual dalam kerangka iB‑VAIC harus menjadi fokus strategis dalam upaya peningkatan kinerja keuangan perbankan syariah secara berkelanjutan.
A Comparative Analysis of Financial Performance: Islamic Banks vs. Digital Islamic Banks (2021–2025) Laila Agustina; Clarashinta Canggih
International Conference on Islamic Economic (ICIE) Vol. 5 No. 2 (2026): Article In Press
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v5i2.482

Abstract

The rapid acceleration of digitalization in Indonesia’s financial sector has transformed banking business models, particularly within Islamic banking institutions. However, limited empirical evidence exists regarding the comparative financial performance of Islamic digital banks and conventional Islamic banks, creating a significant research gap in evaluating the effectiveness of digital transformation. This study aims to analyze and compare the financial performance of Islamic banks and Islamic digital banks in Indonesia during the 2021–2025 period. Employing a quantitative comparative approach, the research examines key financial indicators, including Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Net Profit Margin (NPM), to assess differences in financial stability, liquidity, and profitability. The findings reveal notable differences in several financial ratios between the two banking models, indicating that digital transformation has substantially influenced operational efficiency and profit generation. Islamic digital banks demonstrate relatively stronger adaptability in selected financial performance indicators. This study contributes to the growing discourse on Islamic digital finance and provides strategic insights for policymakers and banking institutions in developing sustainable digital-based Islamic banking systems
Switching Intention Nasabah Bank Konvensional ke Bank Syariah: Studi Kasus Mahasiswa Ekonomi Islam di Surabaya Fata Habibullah; Clarashinta Canggih
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 2 (2025): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n2.p36-56

Abstract

The development of Islamic banking in Indonesia shows a positive trend, yet its market share still lags behind conventional banks. This study aims to analyze the factors that influence Islamic Economics students in Surabaya to switch from conventional to Islamic banks. The Push-Pull-Mooring (PPM) framework was employed, covering push factors (price perception, service quality, satisfaction), pull factors (alternative attractiveness), and mooring factors (Islamic financial literacy, religiosity, subjective norms). A quantitative method was applied using Partial Least Square-Structural Equation Modeling (PLS-SEM) with SmartPLS 4 software, involving 162 respondents from three public universities in Surabaya. The results reveal that all push, pull, and mooring variables have a positive and significant influence on switching intention. These findings highlight the role of financial literacy and religious values in motivating the shift toward Islamic financial services among young Muslim generations. This research offers practical implications for Islamic bank marketing strategies to enhance service attractiveness and expand into academic markets.
Enhancing Wealth Distribution Literacy Based on Mawaris Principles among Urban Muslim Families Azidni Rofiqo; Fira Nurafini; Clarashinta Canggih; Nurwinsyah Rohmaningtyas; Taufiq Kurniawan
Journal of Islamic Economy and Community Engagement Vol. 7 No. 1 (2026): Volume 7 No.1 2026
Publisher : FEBI UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jiecem.2026.7.1.2985

Abstract

The low level of wealth distribution literacy based on mawaris principles among urban Muslim families has the potential to generate injustice and conflict within households. This community service activity aimed to enhance the understanding and awareness of urban Muslim families regarding the importance of applying mawaris principles in family wealth distribution. The activity was conducted at the PKK Women’s Community of Wiyung Brantas Permai on April 19, 2025, involving 23 participants. An educative and participatory approach was employed through interactive lectures, group discussions, case studies, and evaluation using pre-test and post-test instruments. The results indicate an improvement in participants’ understanding of the basic concepts and mechanisms of mawaris, accompanied by changes in attitudes and awareness toward planning family wealth distribution in accordance with Islamic principles. The activity also received positive responses from participants and has the potential to generate sustainable impact through the strategic role of women within the family. Thus, this community service initiative contributes to strengthening Islamic financial literacy and promoting equitable wealth distribution in urban Muslim communities.
Pengaruh Literasi Keuangan,Finansial Capability,Product Knowledge,Peer Group dan Religiusitas Terhadap Minat Berinvestasi Reksadana Syariah Pada Generasi Z Fikri Mukti; Clarashinta Canggih
Ekosiana Jurnal Ekonomi Syari ah Vol. 13 No. 1 (2026): EKOSIANA : JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah, STAI AN-NAJAH INDONESIA MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47077/ekosiana.v13i1.737

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah, financial capability, product knowledge, peer group, dan religiusitas terhadap minat berinvestasi reksa dana syariah pada Generasi Z. Penelitian ini menggunakan pendekatan kuantitatif asosiatif dengan data primer yang diperoleh melalui penyebaran kuesioner kepada responden Generasi Z. Teknik analisis data yang digunakan adalah Structural Equation Modeling (SEM) berbasis Partial Least Square (PLS) dengan bantuan perangkat lunak SmartPLS. Hasil penelitian menunjukkan bahwa literasi keuangan syariah, product knowledge, peer group, dan religiusitas memiliki pengaruh terhadap minat berinvestasi reksa dana syariah, sedangkan financial capability tidak berpengaruh signifikan terhadap minat berinvestasi. Temuan ini mengindikasikan bahwa peningkatan pemahaman terhadap keuangan syariah, pengetahuan produk investasi, pengaruh lingkungan sosial, serta tingkat religiusitas menjadi faktor penting dalam mendorong minat investasi Generasi Z, sementara kemampuan finansial belum tentu menjadi faktor penentu utama. Dengan demikian, upaya peningkatan edukasi keuangan syariah, penyebaran informasi produk, serta penguatan nilai religius perlu dioptimalkan guna meningkatkan partisipasi investasi pada reksa dana syariah.   Kata Kunci: Literasi Keuangan Syariah, Financial Capability, Product Knowledge, Peer Group, Religiusitas.
Co-Authors Ach. Yasin Agung Budi Setiawan Ahmad Ajib Ridlwan Alfarisy, Fathor Rozy Ali, Asiah Binti Ananda, Fitrotur Rafika Arasyi Fahrulloh Aufar Fadlul Hady Aulia Deva Ferdana Azidni Rofiqo Badrul Munir, Maryam Bte Bibi Faiza Farhana Cahyaningtiyas, Eka Daffa Eka Septianda Devia Almeyda Dewi Sjam Fakziah, Sefia Laili Farah Dilla Wanda Damayanti Fata Habibullah Fayi Azzahra, Almirah Febrianti Nilam Sari Fikri Mukti Fikriyah, Khusnul Fira Nurafini Fira Nurafini Firdayati, Elda Firmanda, Muhammad Esza Maulana Fitriah Dwi Susilowati Hapsari Dinar Afifa Hariawan Harnum, Mutiara Puspita Henny Rahma Sari Ibnu Affan Ilfita, Khoiriyah Imron Mawardi Jayanti, Rista Dwi kailun, Ilzania Khoiriyah Ilfita Laila Agustina LUCKY RACHMAWATI Maghfira Musdalifah Melania Islami Maharani Ayu Sakinah Maryam Bte Badrul Munir Maulidiyah, Musaidatul Maulidysneni Nurvita Sukma Mauliza, Abil Yositya Indah Meyta Amelia Rusbianti Michelle Rizkialahi Hadjid Moch. Khoirul Anwar Mochammad Imanda Ramadhani Moh Farih Fahmi Muhammad Bayu Dwie Saputra Muhammad Dzanizar Miftahul Arifin Munir, Maryam Bte Badrul Nurafini, Fira Nurul Hamidah, Nurul Nurul Hanifah Nurwinsyah Rohmaningtyas Pur Wulan Septy, Hilda Tri Rachma Indrarini Rachmawati, Laela Nur Rahma, Aldra Puspita Rahmad Syaifudin Raisa Syabani Rizka Mauliddiana Rizkiyah Rokhmatul Laili Rosa, Sintya Prilla Safira, Rana Izza Sari, Henny Rahma Septiyanti, Tifanny Tassyah Sil Atin Naja Sjam, Dewi Sri Abidah Suryaningsih Susanti, Nopi Taufiq Kurniawan Tony Seno Aji Tri Elok Kosnia Wenni, Atika Novirda Yan Putra Timur Zaimy Johana Johan