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All Journal Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam Jurnal Ekonomika dan Bisnis Islam
Hayet Hayet
Universitas Tanjungpura
Religion Economics, Econometrics & Finance Social Sciences

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PENGARUH MODEL AKAD PEMBIAYAAN TERHADAP PROFITABILITAS BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) DI INDONESIA Rizka Saputri; Memet Agustiar; Hayet Hayet; Abd. Mubaraq; Hesti Diah Ayuni
ISTISMAR Vol. 9 No. 1 (2026): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/37xwbt57

Abstract

This study aims to analyze the effect of partnership-based financing sale-based financing, lease-based financing, and qardh financing on the profitability of Islamic Rural Banks (Bank Pembiayaan Rakyat Syariah/BPRS) in Indonesia, as measured by Return on Assets (ROA). This study employs a quantitative method with a descriptive approach using secondary data obtained from the Islamic Banking Statistic published by Financial Services Authority (Otoritas Jasa Keuangan/ OJK). The results indicate that partnership-based financing, sale-based financing, and qardh financing have a positive and significant effect on ROA, while lease-based financing has a negative but insignificant effect. These findings suggest that optimizing partnership-based, sale-based, and qardh financing can enhance the profitability of BPRS, whereas the management of lease-based financing still needs to be improved to provide a greater contribution to financial performance. Keywords : Partnership contract, Sale and Purchase Contract, lease Contract, Qardh Contract, ROA
PENGARUH RELIGIUSITAS, LITERASI KEUANGAN SYARIAH, DAN AKSESIBILITAS TERHADAP PENGGUNAAN PRODUK KEUANGAN SYARIAH OLEH GENERASI MILENIAL DI KOTA PONTIANAK Mahatir Ahmad; Hayet Hayet; Faishol Luthfi; Eddy Suratman; Hesti Diah Ayuni
Jurnal Ekonomika dan Bisnis Islam Vol 9 No 2 (2026): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v9n2.p101-118

Abstract

This study aims to analyze the influence of religiosity, Islamic financial literacy, and accessibility on the use of Islamic financial products by millennials in Pontianak. This study employs a quantitative approach, involving 100 millennials in Pontianak as respondents. A questionnaire was used as the data collection instrument, while respondents were selected using purposive sampling and analyzed using SEM-PLS with the assistance of SmartPLS 4.0. Based on the results, the study found that religiosity has a negative but insignificant effect on the use of Islamic financial products. Conversely, Islamic financial literacy and accessibility have positive and significant effects on the use of Islamic financial products. These findings suggest that the use of Islamic financial products among millennials is more influenced by their ability to understand the principles and mechanisms of these products, as well as the ease of accessing services, rather than by religiosity. Therefore, Islamic financial institutions need to prioritize strengthening financial literacy through education on the characteristics, contracts, benefits, and mechanisms of these products, as well as improving service accessibility—particularly through digital services and the provision of easily understandable information.
Co-Authors Abd Mubaraq, S.E.,Sy. M.A Eddy Suratman Faishol Luthfi Hesti Diah Ayuni Mahatir Ahmad Memet Agustiar Rizka Saputri