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All Journal Jurnal Riset Manajemen International Journal of Economics and Management Research
Rahmah Tulwaidah
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Literasi Keuangan Terhadap Minat Menabung Mahasiswa Fakultas Ekonomi Dan Bisnis Islam UIN STS Jambi Di BANK Syariah Rahmah Tulwaidah; Novi Mubyarto; Muhammad Ismail
JURNAL RISET MANAJEMEN (JURMA) Vol 1 No 1 (2023): March : Jurnal Riset Manajemen
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (958.281 KB) | DOI: 10.54066/jurma.v1i1.156

Abstract

Financial education is an activity that aims to increase knowledge and skills in financial management. The 2019 Indonesian National Financial Survey shows the level of Islamic financial literacy is only 8.93 percent, meaning that only nine out of a hundred Indonesian adults are familiar with Islamic financial products. The 2019 National Financial Literacy and Inclusion Survey (SNLIK) found a financial literacy rate of 38.03% and a financial inclusion rate of 76.19%. This is because the Indonesian people in general do not have a good understanding of the characteristics of different financial products and services. Therefore, this study examines how financial literacy affects the interests of students of the Faculty of Economics and Islamic Economics, UIN STS Jambi. in Islamic banks. The purpose of this study was to measure the impact of financial literacy on savings in students of the Faculty of Islamic Economics at UIN STS Jambi Islamic bank. This research uses quantitative methods. Data collection tools in this study were observation and questionnaires/cursors. Primary data and secondary data are used as data sources. The informants of this study were students of the Faculty of Economics and Islamic Economics, UIN STS Jambi. From the research results it is known that the financial literacy variable has a significant effect on student savings
Influence Financing Mudharabah and Financing Murabahah To BTN Bank Profit Sharia Period December 2019 – December 2024 Bangga Suwandana S; Endang Purwati; Kiki Febriantama; Aldy Harry Kurniawan; Rahmah Tulwaidah
International Journal of Economics and Management Research Vol. 4 No. 3 (2025): December : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v4i3.510

Abstract

This study aims to thoroughly investigate and analyze the influence of Mudharabah financing and Murabahah financing on the profitability of Bank BTN Syariah during the period from December 2019 to December 2024. Adopting a rigorous quantitative research approach with an associative causal design, this research regularly examines monthly financial reports obtained from Bank BTN Syariah. The primary analytical tool employed is regression analysis, which facilitates the robust exploration of relationships between the variables. The empirical findings derived from this study indicate that Mudharabah financing does not exert a statistically significant influence on the bank's profit. Conversely, Murabahah financing demonstrably shows a significant positive influence on the bank's profit, suggesting its effectiveness as a major contributor to profitability. These results collectively underscore the importance of strategic financial product management within Islamic banking institutions. This study proposes that while Murabahah financing effectively contributes to profitability, there is a critical need for enhanced evaluation, more stringent monitoring, and potential restructuring of Mudharabah financing to maximize its overall effectiveness and optimize its contribution to the bank's comprehensive financial performance. The study significantly contributes to the existing body of literature by offering updated empirical insights and a deeper understanding into the complex dynamics of Islamic banking profitability, particularly within the Indonesian context during a period of economic flux.
Co-Authors Aldy Harry Kurniawan Bangga Suwandana S Endang Purwati Kiki Febriantama Muhammad Ismail Novi Mubyarto