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All Journal International Journal of Economics, Business and Accounting Research (IJEBAR) Indonesian Journal of Advanced Research (IJAR)
Hardiyanto Wibowo
Faculty of Economics and Business, Universitas Muhammadiyah Purwokerto
Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media

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ANALYSIS OF STUDENT INTEREST TO BECOME ISLAMIC ENTERPRENEURSHIP (LONGITUDINAL RESEARCH) Hardiyanto Wibowo; Fatmah Bagis; Mega Aprillia Pratamasari
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 7, No 2 (2023): IJEBAR, VOL. 07 ISSUE 02, JUNE 2023
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v7i2.9755

Abstract

Theory of Planned Behavior (TPB) is a theory that has been widely applied in various fields of behavioral research. TPB states that the combination of attitudes towards behavior, subjective norms, and perceived behavioral control leads to the formation of behavioral intentions and then shapes behavior (behavior). There may be some research related to student interests that has been carried out. This research is very necessary because the tendency of current students is to have a desire to find work and the interest in becoming an entrepreneur is very minimal. This research was conducted for 8 months. The study population was students in semester 1 (one) of the Faculty of Economics and Business, University of Muhammdiyah Purwokerto (FEB UMP). Primary data collection techniques by observation and discussion, direct observation in the field using a questionnaire that is distributed. The data analysis method used is Partial Least Square (PLS). The results of the study show that there is an increase in student interest in becoming Islamic Entrepreneurs after attending Islamic entrepreneurship lectures. And the results of the analysis also show that the role of providing entrepreneurial material significantly influences students' interest in becoming an Islamic entrepreneur. Hopefully the results of this research will provide support for the entrepreneurship clinical work program at the University and can be used as material for consideration for the next agenda. Keywords: Islamic entrepreneurship, interest.
The Effect of Digital Banking, Capital Adequacy Ratio, and Operational Efficiency on the Financial Performance of Islamic Commercial Banks in Indonesia Rahma Sri Endah Mahesti; Hardiyanto Wibowo; Bima Cinintya Pratama; Nur Isna Inayati
Indonesian Journal of Advanced Research Vol. 5 No. 8 (2026): August 2026
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijar.v5i8.16916

Abstract

This study is motivated by an apparent contradiction in Indonesian Islamic banking: the number of digital banking users has grown steadily, yet the profitability of Islamic commercial banks (Bank Umum Syariah, BUS) has remained volatile. Prior evidence on the determinants of Islamic bank profitability also remains inconclusive. This study therefore examines the effect of digital banking, capital adequacy (CAR), and operational efficiency (BOPO) on financial performance proxied by return on assets (ROA). Using a quantitative approach, secondary data were collected from the annual reports of 13 Islamic commercial banks in Indonesia over the 2019–2023 period, selected through purposive sampling, yielding 55 bank-year observations for analysis. Data were analysed using multiple linear regression in IBM SPSS Statistics, preceded by classical assumption testing. The results show that digital banking has no significant effect on ROA; CAR has a positive and significant effect on ROA, so the hypothesis predicting a negative effect is not supported; and BOPO has a negative and significant effect on ROA. Jointly, the three variables significantly explain variation in ROA. These findings indicate that, over the observed period, capital adequacy and cost efficiency were the dominant internal determinants of Islamic bank profitability, whereas digital adoption measured by user numbers had not yet translated into short-term earnings. The study contributes to the financial intermediation literature by showing that digital adoption creates economic value only when it is converted into transactions, fee income, or cost savings, and offers practical guidance for bank management and regulators.
Co-Authors Bima Cinintya Pratama Fatmah Bagis Inayati, Nur Isna Mega Aprillia Pratamasari Rahma Sri Endah Mahesti