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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ilmiah Edunomika (JIE) Economic Reviews Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Citra Liza
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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PENGARUH PENDAPATAN MARGIN MURABAHAH DAN PENDAPATAN IJARAH TERHADAP LABA BERSIH PADA BANK MUAMALAT INDONESIA PERIODE 2018-2022 Saktia Hestu Susantri; Idwal Idwal; Citra Liza
JURNAL ILMIAH EDUNOMIKA Vol 8, No 2 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i2.12877

Abstract

The purpose of this study is to determine whether there is a partial and simultaneous effect of Murabahah margin income and Ijarah income on net profit at Bank Muamalat Indonesia for the 2018-2022 period. To test this, researchers used descriptive quantitative methods with secondary data collection techniques in the form of Bank Muamalat Indonesia's annual financial statements for 2018-2022. The data analysis technique used is multiple regression using the SPSS program. From the results of research and discussion, it was found that Murabahah margin income and Ijarah income had no influence on net profit either partially or simultaneously.
Pengaruh Pendapatan dan Gaya Hidup Terhadap Pola Konsumsi pada Masyarakat Kecamatan Pino Raya Kabupaten Bengkulu Selatan Inda Tri Listri; Supardi Mursalin; Citra Liza
Economic Reviews Journal Vol. 4 No. 3 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i3.853

Abstract

The purpose of this study is to find out whether income and lifestyle have an effect on the consumption patterns of the community in Pino Raya District, South Bengkulu Regency, both partially and simultaneously. The method used in this study is quantitative. The sample consisted of 100 respondents selected using the Slovin formula. To determine the accuracy and validity of the instrument, validity and reliability tests were conducted. Data analysis techniques in this study included classical assumption tests, hypothesis testing, and multiple linear regression analysis. Data were processed using SPSS version 26. The results showed that partially, income has a significant effect on consumption patterns with a significance value of 0.027 < 0.05, and lifestyle also has a significant effect with a significance value of 0.000 < 0.05. Simultaneously, income and lifestyle together have a significant effect on consumption patterns with a significance value of 0.000 < 0.05.
Pengaruh Lifestyle dan Digital Payment Terhadap Perilaku Konsumsi Islam (pada Generasi Z di Kelurahan Babatan) Fitria Lala Santi; Yosy Arisandy; Citra Liza
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 4 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i4.27807

Abstract

Penelitian ini bertujuan untuk mengetahui apakah lifestyle dan digital payment berpengaruh terhadap perilaku konsumsi Islam pada Generasi Muslim Z di Kelurahan Babatan, Kecamatan Sukaraja, Kabupaten Seluma, Provinsi Bengkulu. Metode yang digunakan dalam penelitian ini adalah kuantitatif dengan pengumpulan data menggunakan kuesioner yang disebar melalui google form. Populasi dalam penelitian ini adalah masyarakat generasi muslim Z sebanyak 642 orang, dengan sampel sebanyak 87 responden yang dipilih menggunakan rumus slovin. Teknik pengambilan sampel menggunakan purposive sampling. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan program SPSS 25. Hasil penelitian menunjukkan bahwa gaya hidup (lifestyle) berpengaruh signifikan terhadap perilaku konsumsi Islam dilihat dari hasil thitung sebesar 3,664 dan ttabel 1,988 dengan nilai signifikan 0,000 < 0,05. dan variabel digital payment juga berpengaruh signifikan terhadap perilaku konsumsi Islam, dilihat dari hasil nilai thitung sebesar 4,128 dan ttabel 1,988 thitung > ttabel dengan nilai signifikan 0,000 < 0,05. Koefisien determinasi (R²) menjelaskan bahwa besarnya pengaruh variabel lifestyle dan digital payment terhadap variabel perilaku konsumsi yaitu sebesar 0,484 (48,4%).
Pengaruh Pengetahuan Investasi dan Return Saham Terhadap Minat Mahasiswa Dalam Berinvestasi di Galeri Investasi Syariah Anisa Pitriyani; Romi Adetio Setiawan; Citra Liza
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 6 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i6.2956

Abstract

The capital market is a meeting place for investors and issuers where one of the parties included as an investor is a student at the Faculty of Islamic Economics and Business who is expected to become an expert investor in the field of sharia capital markets. Students' investment interest is influenced by several factors, including investment literacy and stock returns. One of the capital market instruments is investment, namely capital investment carried out by a person or legal entity with the aim of increasing the value of capital. Based on the factors found, researchers are interested in researching students' interest in investing. Researchers want to know the results of the influence of the two factors, namely investment knowledge and stock returns on students' interest in investing so that it can become a benchmark for institutions, especially the Sharia Investment Gallery, in attracting investor interest, especially students of the Sharia Economics Study Program, Faculty of Islamic Economics and Business. The factors that will be used by researchers are the quality of investment knowledge and stock returns. Thus the title of this research is "The Influence of Investment Knowledge and Stock Returns on Students' Interest in Investing in the Sharia Investment Gallery". This research uses a quantitative approach with hypothetical visitors using multiple linear regression analysis methods and classical assumption testing. The sampling technique uses purposive sampling. Where the results of this research show that investment literacy influences the investment interest of students at the Islamic Economics and Business Faculty of UIN Fatmawati Sukarno, Bengkulu. Stock returns influence the investment interest of students at the Islamic Economics and Business Faculty of UIN Fatmawati Sukarno Bengkulu. Simultaneously both influence the investment interest of students at UIN Fatmawati Sukarno Bengkulu. Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu, where the results of this research are expected to be a reference for the capital market in attracting investor interest or for students themselves in carrying out research.
Pengaruh Pengetahuan Investasi dan Return Saham Terhadap Minat Mahasiswa Dalam Berinvestasi di Galeri Investasi Syariah Anisa Pitriyani; Romi Adetio Setiawan; Citra Liza
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 6 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i6.2956

Abstract

The capital market is a meeting place for investors and issuers where one of the parties included as an investor is a student at the Faculty of Islamic Economics and Business who is expected to become an expert investor in the field of sharia capital markets. Students' investment interest is influenced by several factors, including investment literacy and stock returns. One of the capital market instruments is investment, namely capital investment carried out by a person or legal entity with the aim of increasing the value of capital. Based on the factors found, researchers are interested in researching students' interest in investing. Researchers want to know the results of the influence of the two factors, namely investment knowledge and stock returns on students' interest in investing so that it can become a benchmark for institutions, especially the Sharia Investment Gallery, in attracting investor interest, especially students of the Sharia Economics Study Program, Faculty of Islamic Economics and Business. The factors that will be used by researchers are the quality of investment knowledge and stock returns. Thus the title of this research is "The Influence of Investment Knowledge and Stock Returns on Students' Interest in Investing in the Sharia Investment Gallery". This research uses a quantitative approach with hypothetical visitors using multiple linear regression analysis methods and classical assumption testing. The sampling technique uses purposive sampling. Where the results of this research show that investment literacy influences the investment interest of students at the Islamic Economics and Business Faculty of UIN Fatmawati Sukarno, Bengkulu. Stock returns influence the investment interest of students at the Islamic Economics and Business Faculty of UIN Fatmawati Sukarno Bengkulu. Simultaneously both influence the investment interest of students at UIN Fatmawati Sukarno Bengkulu. Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu, where the results of this research are expected to be a reference for the capital market in attracting investor interest or for students themselves in carrying out research.
Co-Authors Anisa Pitriyani Fitria Lala Santi idwal Idwal Idwal Inda Tri Listri Romi Adetio Setiawan Saktia Hestu Susantri Supardi Mursalin Syahputra, Robin Yosy Arisandy