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All Journal Al-Kharaj: Journal of Islamic Economic and Business Jurnal Rekognisi Ekonomi Islam (JREI)
Mahmudatus Sa'diyah
Universitas Islam Nahdlatul Ulama Jepara
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Pengaruh Suku Bunga, Inflasi, Nilai Tukar Rupiah, dan BOPO terhadap Kinerja Perbankan Syariah di Bank BRI Syariah Periode 2015-2020 Nur Rosi Awaliatun Nikma; Mahmudatus Sa'diyah
Jurnal Rekoginisi Ekonomi Islam Vol. 1 No. 1 (2022): Jurnal Rekognisi Ekonomi Islam Volume 1 No 1 Februari-Juli 2022
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jrei.v1i1.82

Abstract

This study aims to determine the effect of interest rates, inflation, rupiah exchange rates, and BOPO (operational costs and operating income) on the performance of Islamic banking at BRI Syariah Bank for the 2015-2020 period. This type of research used is quantitative. The data collection method uses secondary data in the form of quarterly financial statement ratios of BRI Syariah Bank for the 2015-2020 period. The analytical method used in this research is multiple linear regression method. The results of the study indicate that the variables of interest rates, inflation, rupiah exchange rates, and BOPO simultaneously affect the performance of Islamic banking at Bank BRI Syariah for the 2015-2020 period. Partially, interest rates and the rupiah exchange rate have no effect on ROA (return on assets), while inflation and BOPO have a significant effect on ROA (return on assets).
Analisis Faktor-Faktor Yang Mempengaruhi Harga Saham Syariah Pada Perusahaan Infrastruktur Di Indonesia Tahun 2019-2021 Siti Muyasaroh; Mahmudatus Sa'diyah
Jurnal Rekoginisi Ekonomi Islam Vol. 2 No. 01 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jrei.v2i01.478

Abstract

Knowledge about choosing the right sharia stock is knowledge that must be owned by every investor. This aims to be able to get benefits and also be able to minimize risks. Knowledge of economic conditions and financial performance in a particular company's shares is one of the benchmarks for determining investment decisions. This study aims to determine the partial effect of the exchange rate, gross domestic product (GDP), return on assets (ROA), return on equity (ROE) and debt to equity ratio (DER) on Islamic stock prices in infrastructure companies in Indonesia in the 2019- 2020. The population in this study are 35 infrastructure companies listed on the Indonesia Stock Exchange (IDX). The sampling technique was carried out by purposive sampling technique and obtained 21 companies as research samples. The observation period is 12 quarters, namely in 2019-2021. So the unit of analysis obtained is 252 after the outliers become 215. The research variable consists of the dependent variable, namely the stock price (Y), the independent variable is the exchange rate (X1), gross domestic product (GDP) ) (X2), return on assets (ROA)(X3), return on equity (ROE)(X4), debt to equity ratio(DER)(X5). Based on the results of multiple linear regression analysis, it can be seen that the exchange rate, GDP, ROA, ROE and DER simultaneously have no effect on Islamic stock prices in infrastructure companies for the 2019-2021 period. Partially, the exchange rate variables, GDP and DER have a positive effect on Islamic stock prices in infrastructure companies for the 2019-2021 period, while the ROA and ROE variables have a negative effect on Islamic stock prices in infrastructure companies for the 2019-2021 period.
The The Influence of Perceived Ease, Islamic Lifestyle, and Religiosity on the Consumptive Behavior Buy Now Pay Later Users of Generation Z in Jepara Reynaldo Faisal Ardiansyah; Mahmudatus Sa'diyah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9568

Abstract

The development of financial technology (fintech), specifically buy now pay later (BNPL) services, has driven changes in the consumption patterns of generation Z, making them increasingly vulnerable to consumptive behavior. From an Islamic economic perspective, this phenomenon is a crucial issue as excessive consumption contradicts the principle of wasatiyah and the prohibition of israf and tabdzir. This study aims to analyze the influence of perceived ease of use, Islamic lifestyle, and religiosity on the consumptive behavior of generation Z BNPL users in Jepara Regency. This study employs a quantitative approach with an associative research type. The sampling technique used was purposive sampling on 100 active BNPL users. Data were analyzed using multiple linear regression with SPSS 26 software. The results showed that simultaneously, perceived ease of use, Islamic lifestyle, and religiosity significantly influenced consumptive behavior with a contribution of 8.6%. Partially, perceived ease of use had no significant effect on consumptive behavior, Islamic lifestyle had a positive and significant effect, while religiosity had a negative and significant effect. These findings indicate that a symbolic Islamic lifestyle potentially drives consumption (halal lifestyle), while religiosity functions as an effective inner control in suppressing consumptive behavior. This study provides important implications for strengthening Islamic financial literacy that emphasizes the internalization of substantive religious values, rather than merely halal lifestyle symbols, in facing the massive growth of digital financial services.
Co-Authors Nur Rosi Awaliatun Nikma Reynaldo Faisal Ardiansyah Siti Muyasaroh