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All Journal Jurnal Iqtisaduna Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Ifriadi, Rike
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Religion Economics, Econometrics & Finance

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Kinerja Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia Sebelum dan Sesudah Pandemi Covid-19 Kamarni, Neng; Ifriadi, Rike; Arqani, Alfe
Jurnal Iqtisaduna Vol 9 No 2 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i2.42778

Abstract

Pandemi Covid-19 membawa resiko yang signifikan bagi sektor perbankan di Indonesia, yang berdampak pada menurunnya kinerja sektor perbankan selama periode tersebut. Ancaman ini juga dirasakan oleh Bank Pembiayaan Rakyat Syariah (BPRS). Penelitian ini bertujuan untuk mengukur kinerja keuangan Bank Pembiayaan Rakyat Syariah (BPRS) sebelum dan sesudah pandemi Covid-19 ditinjau dari indikator keuangan. Data yang digunakan dalam penelitian ini berupa laporan keuangan Bank Pembiayaan Rakyat Syariah (BPRS) pada periode Januari 2017 sampai Desember 2019 yang merupakan data sebelum terjadinya Covid-19 dan Januari 2020 sampai Desember 2022 yang merupakan data sesudah terjadinya Covid-19. Analisis data berupa uji wilcoxon signed ranks test karena data dalam penelitian ini tidak berdistribusi normal. Hasil menunjukkan bahwa rasio Capital Adequacy Ratio (CAR), Return On Assets (ROA) dan Non Performing Financing (NPF) memiliki perbedaan yang signifikan pada kinerja Bank Pembiayaan Rakyat Syariah (BPRS) sebelum dan sesudah adanya pandemi Covid-19. Hasil ini berimplikasi bahwa Bank Pembiayaan Rakyat Syariah (BPRS) harus menjaga dan meningkatkan aset yang dimilikinya serta terus berupaya untuk meningkatkan laba dengan menekan angka pembiayaan bermasalah, sehingga kinerja pada Bank Pembiayaan Rakyat Syariah (BPRS) akan semakin baik.
Financial Well-Being: The Mediating Effect of Financial Behavior on The Relationship Between Islamic Financial Literacy and Financial Attitudes Helmalia, Helmalia; Putri, Mela Emelya; Mawaddah, Arini Alfa; Putra, Romy Yunika; Ifriadi, Rike
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2025)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v11i2.7933

Abstract

Purpose:Understanding the factors that influence financial well-being is important for promoting financial sustainability, especially amid economic uncertainty that requires effective and planned management. Such financial management requires adequate Islamic financial literacy, positive financial attitudes, and appropriate financial behavior.Design/Methodology:This study investigates the mediating role of financial behavior in the relationship between Islamic financial literacy, financial attitudes, and financial well-being. Using a quantitative design, data were collected from 100 civil servant teachers in Agam Regency, Indonesia, through a structured questionnaire. The sample was determined using the Slovin formula and selected through simple random sampling. Partial Least Squares Structural Equation Modeling PLS-SEM 4 was used for data analysis.Findings:The findings show that Islamic financial literacy does not directly affect financial well-being but indirectly through financial behavior. Financial attitudes have a significant direct influence on financial well-being, while their indirect influence through financial behavior is not supported. These results underscore the important role of financial behavior as a mechanism linking financial knowledge to better financial outcomes.Practical Implications:This study offers meaningful implications for financial education programs and policy interventions focused on developing long-term financial resilience.Originality/Value:This study offers a novel perspective on understanding financial well-being by positioning Islamic financial literacy as a foundational approach. It not only addresses the limitations of previous research that primarily focused on conventional financial literacy, but also provides a more contextually relevant understanding for communities that manage their finances based on Sharia principles.
Co-Authors Arqani, Alfe HELMALIA HELMALIA, HELMALIA Kamarni, Neng Mawaddah, Arini Alfa Putra, Romy Yunika Putri, Mela Emelya