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All Journal Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Jurnal Ekonomi Jurnal Pengabdian Sosial Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Infaq: Jurnal Ekonomi Islam
FACHROZI. F
Universitas Islam Al-Azhar
Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Pengetahuan Produk Investasi Syariah dan Literasi Keuangan terhadap Keputusan Investasi yang dimoderasi oleh Religiusitas: Studi pada Mahasiswa Perguruan Tinggi Islam dan Perguruan Tinggi Umum Yudhi Kurniawan Zahari; Fachrozi; Kukuh Tondoyekti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.5013

Abstract

The decision to invest in sharia among students of Islamic Religious Universities (PTAI) or public universities (PTU) can be influenced by several factors. A comprehensive understanding of Sharia-compliant investments' concepts, types, and characteristics can significantly influence an individual's propensity to invest according to Islamic principles. This study aims to investigate the impact of Sharia investment product knowledge and financial literacy on PTAI and PTU students' investment decisions, with religiosity as a moderator. This study will use a quantitative approach using the survey method. The data collection process will involve administering questionnaires to a purposively selected sample of students through an online survey or direct distribution on campus. The hypotheses were tested using the Smart PLS version 4.1 program. The results showed that Product Knowledge and Financial Literacy variables affect the Investment Decisions of PTAI students. While Religiosity only moderates the effect of Product Knowledge on the Investment Decisions of PTAI Students, Product Knowledge and Financial Literacy do not affect the Investment Decisions of PTU Students. Religiosity cannot moderate Product Knowledge and Financial Literacy on Investment Decisions of PTU Students.
Sharia Microfinance Institutions' (SMIs) Resilience To Technological Disruption: Innovative Ecosystem Approaches On Lombok Island Mas’ud, Riduan; Rifa'i, Khamdan; Fachrozi, Fachrozi; Fauzan, Fauzan
Jurnal Ekonomi Vol. 13 No. 03 (2024): Jurnal Ekonomi, Edition July -September 2024
Publisher : SEAN Institute

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Abstract

This research explores the resilience of Sharia Microfinance Institutions (LKMS) on Lombok Island in facing the era of technological disruption. Using a qualitative approach with a case study method, this research focuses on technology adaptation and the implementation of an innovative ecosystem model that involves collaboration with fintech, educational institutions and local governments. The research results show that despite facing challenges such as limited technological infrastructure, high implementation costs, and resistance to change, LKMS in Lombok succeeded in increasing operational efficiency and expanding access to financial services through digital technology. Collaboration with fintech allows LKMS to access modern technology at more affordable costs, while collaboration with educational institutions and local governments helps increase literacy and public acceptance of digital services. This research concludes that innovation and collaboration are the keys to the success of LKMS in maintaining their relevance and positive contribution to financial inclusion and poverty alleviation in the digital era. These findings provide practical guidance for MFIs in other regions to adopt similar strategies to improve their operational resilience and effectiveness.
The Influence of CAR, FDR, NOM and TPF on Murabahah Financing at Sharia Banks BUKU 3 of 2020 with NPF as Moderating Variable Mas'ud, Riduan; Fachrozi, Fachrozi; Aminy, Muhammad Muhajir; Wani, Athar Shahbaz
IKONOMIKA Vol 6, No 2 (2021)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v6i2.11667

Abstract

This study aims to examine murabahah financing influenced by credit adequacy  ratio, financing to deposit ratio, net operating margin and third party funds with non performing finance as a moderating variable at BUKU 3 sharia commercial banks in 2020. Method used is quantitative associative and data analysis technique using moderated regression analysis with SPSS version 25 tool which contains PROCESS 3.1 macro syntax. The population in this study is Sharia Commercial Banks included in the BUKU 3 category so that a sample of 4 banks is obtained;  Bank Syariah Mandiri, BNI Syariah, BRI Syariah and BTPN Syariah. The effect of credit adequacy ratio through murabahah financing on non performing finance shows that non performing finance has no effect as a moderating variable affecting credit adequacy ratio through murabahah financing, financing to deposit ratio through murabahah financing on non performing finance shows that non performing finance has an effect as a moderating variable affecting financing to deposit ratio through murabahah financing, the effect of net operating margin through murabahah financing on non performing finance shows that non performing finance influential as a moderating variable affecting net operating margin through murabahah financing, the effect of third party funds through murabahah financing on non performing finance shows that non performing finance has an effect as a moderating variable affecting third party funds through murabahah financing.
Co-Authors Aminy, Muhammad Muhajir Fauzan . Khotmi, Herawati Khusnudin Khusnudin, Khusnudin Mariana Mariana Mas'ud, Riduan Mas’ud, Riduan Muh. Salahuddin Muhamad Yusup Rifa'i, Khamdan Samodra, Vegalyra Novantini Santoso, Eko Esti Savira, Anisa Selamat Riadi Siti Khairunnas Tondoyekti, Kukuh Wani, Athar Shahbaz Yudhi Kurniawan Zahari