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All Journal EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) JBMR: Journal of Business and Management Review Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Proceeding ISETH (International Summit on Science, Technology, and Humanity) JUEBIR: Journal of Economics and Business Research BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Putri, Rizky Nur Ayuningtyas
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Medicine & Pharmacology Social Sciences Other

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Halal Labels and Religious Commitment: Their Impact on Bottled Water Purchases Putri, Rizky Nur Ayuningtyas
Journal of Business and Management Review Vol. 5 No. 8 (2024): (Issue-August)
Publisher : Profesional Muda Cendekia Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47153/jbmr.v5i8.1077

Abstract

Research Aims: To determine how halal labelling affects purchasing decisions for bottled drinking water products among Muslim students in Solo Design/methodology/approach: The study used quantitative descriptive analysis with primary data. The data analysis method used multiple linear regression analysis with independent variables, namely halal labelling (X1) and religiosity (X2). The number of samples in the study was 183 respondents. This study uses a purposive sampling technique with specific criteria. The study's dependent variable (Y) is the decision to purchase bottled drinking water Research Findings: halal labelling and religiosity have a positive and significant effect on customer decisions to buy bottled mineral water drinks. The value of the coefficient of determination concluded that the contribution of the independent variables in the regression model can explain the variation of the dependent variable by 48,6%. In contrast, the rest is explained by other variables outside the regression equation model. Based on the analysis results, actual steps need to follow up on purchasing decisions for halal bottled drinking water products, one of which is that the university can provide and facilitate the availability of bottled drinking water (AMDK) products on the campus. Besides increasing awareness of halal drinking water, it can also positively impact the development of halal products in universities in Solo. Theoretical Contribution/Originality: The research highlights the simultaneous and partial influence of halal labelling and religiosity on purchasing decisions for bottled drinking water in universities in Solo. This adds a nuanced understanding of consumer behavior in a specific religious and educational context. The study emphasizes the need for further research into the urgency of providing halal AMDK, suggesting that such products are crucial for consumer assurance. This calls attention to a potentially underserved market segment. Keywords: Halal Label, Religiosity, Purchase Decision, Bottled Drinking Water.
The Influence of Financial Performance And Corporate Governance On Green Banking Disclosure In Sharia Commercial Banks Putri, Orsita Asmu; Putri, Rizky Nur Ayuningtyas
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 2 (2025): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 2
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i2.1352

Abstract

Islamic commercial banks do not fully disclose their green banking practices in sustainability reports, with an average disclosure covering only 40% of environmentally friendly activities. This study aims to analyze the impact of financial performance and corporate governance on green banking disclosure in Islamic commercial banks in Indonesia from 2020 to 2023. Data were obtained from annual reports, GCG reports, and sustainability reports of seven banks selected using a purposive sampling approach. Statistical data analysis was conducted using Eviews 10. The results indicate that green banking disclosure is significantly influenced by ROA, CAR, the board of directors, and the Sharia supervisory board simultaneously. Partially, ROA has a negative effect, CAR and the board of directors have a positive effect, while the Sharia supervisory board has no effect on green banking disclosure.
ISLAMIC BANKING'S CONTRIBUTION TO ECONOMIC GROWTH IN INDONESIA WITH PROFITABILITY AS AN INTERVENING VARIABLE Christiana, Dina; Putri, Rizky Nur Ayuningtyas
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol 10 No 2 (2025): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah - Fe
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v10i2.1393

Abstract

This study was conducted to determine the contribution of Islamic banking to economic growth in Indonesia by using profitability as an intervening variable. Using the nonprobability sampling method in the form of saturated samples, there were 32 samples obtained from Islamic banking financial reports and economic growth reports from 2016-2023. The results of the study indicate that total assets, financing and DPK do not affect the profitability of Islamic banking. NPF has a significant negative effect on the profitability of Islamic banking and FDR has a significant positive effect on the profitability of Islamic banking. Total assets, DPK and profitability do not affect economic growth. Financing has a significant positive effect on economic growth. NPF and FDR have a significant negative effect on economic growth. And profitability is unable to mediate the effect of total assets, financing, NPF, DPK and FDR on economic growth, this reflects that the profitability performance is still low and fluctuating. Challenges in managing banking assets and profitability need to be overcome. Although this study has limitations, this study can still be useful for bank management and be a reference for other researchers. In addition, this study is one of the initial studies that uses profitability to mediate the influence of total assets, financing, NPF, DPK and FDR on economic growth.
The Mediating Role of Self-Efficacy in Shapins Financial Behavior Munir, Sinthia Miftakul; Putri, Rizky Nur Ayuningtyas
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2024: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/iseth.5430

Abstract

Purpose : This study explores the role of self-efficacy as a mediator in the relationship between financial literacy, lifestyle, locus of control, and pocket money in shaping students' financial behavior. Methodology : Employing a quantitative descriptive method, the research was conducted on 96 Muslim undergraduate students from Solo Raya, selected through purposive sampling. Data collection was carried out using a structured questionnaire, and analysis was performed with Structural Equation Modeling (SEM) using SmartPLS 4 software. Results : The results indicate that financial literacy, lifestyle, and locus of control have significant direct and indirect effects on financial behavior through self-efficacy. Additionally, pocket money serves as a significant factor influencing self-efficacy, which in turn impacts financial behavior. These findings highlight the crucial role of self-efficacy in fostering effective financial management among students. Applications/Originality/Value : The study offers valuable insights for designing financial education programs aimed at enhancing financial literacy, building self-efficacy, and responsibly encouraging financial practices. Such programs can prepare students for financial independence and long-term success.
Building Islamic Finance: Loyalty of Solo Students towards Sharia Banking with Social Environment Mediator Sari, Tyas Kartika; Putri, Rizky Nur Ayuningtyas
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 3 (2025): February 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i3.6626

Abstract

The objectives of this study examine the effect of financial literacy, trust, service quality, and customer satisfaction on student loyalty to Islamic banking with the social environment as a mediator. The research population is Muslim students in Solo who are Islamic banking customers, with a sample of 96 people. Quantitative research using SEM-PLS analysis through SmartPLS 4. The research shows that service quality has a significant positive influence on loyalty, while financial literacy has a significant positive effect on the social environment. However, the social environment cannot mediate the relation of the independent and dependent variable. This research is expected to provide implications for Islamic banking in designing strategies to effectively increase student loyalty.
The Profitability of Indonesian Sharia Commercial Banks : Macro and Micro Economic’s Effect Tiarawati, Tika Dewi; Putri, Rizky Nur Ayuningtyas
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 9, No 1 (2024): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v9i1.3402

Abstract

Financial performance is one measure of the success of Islamic banks in managing their operations well in order to obtain maximum profitability. This research aims to determine the influence of macroeconomic factors, namely Gross Domestic Product (GDP) and inflation. The influence of microeconomic factors, namely Non Performing Financing (NPF), Capital Adequecy Ratio (CAR), Financing to Deposit Ratio (FDR) on the profitability of Sharia Commercial Banks in 2018-2022. The sampling technique was purposive sampling and nine samples of Sharia Commercial Banks were obtained which were used in this research. Secondary data in this research was obtained from each bank's financial report data, Gross Domestic Product (GDP) data was sourced from the Ministry of Trade website, and inflation data was sourced from the Bank Indonesia website. The data analysis technique is a multiple linear regression analysis technique with data processing using the Eviews 10 application. Based on the partial test, the results show that Gross Domestic Product (GDP) has no effect on ROA, inflation has no effect on ROA, Capital Adequecy Ratio (CAR) has no effect on ROA, and Financing to Deposit Ratio (FDR) has no effect on ROA. Meanwhile, partially Non Performing Financing (NPF) has an effect on ROA. Simultaneously the variables Gross Domestic Product (GDP), inflation, Capital Adequecy Ratio (CAR), Financing to Deposit Ratio (FDR), and Non Performing Financing (NPF) influence ROA.
The Effect of Inflation, Exchange Rate, Implementation of Good Corporate Governance (GCG), and Financing to Deposit Ratio (FDR) on Sharia Commercial Bank Financing Risks in Indonesia 2019-2022 Orsita Asmu Putri; Putri, Rizky Nur Ayuningtyas
Journal of Economics and Business Research (JUEBIR) Vol. 2 No. 2 (2023): December 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/juebir.v2i2.7958

Abstract

The large number of products offered by banks, especially financing,causes greater potential risks that will occur which can be influencedby various factors. Therefore, the aim of this research is to determinethe influence of Inflation, Exchange Rates, Implementation of GoodCorporate Governance (GCG), and Financing to Deposit Ratio (FDR) ininfluencing Financing Risk as proxied by Non-Performing Financing(NPF) in Commercial Banks Sharia in Indonesia 2019-2022. The dataused in the research is secondary data, namely annual financialreports and Good Corporate Governance (GCG) reports for 2019-2022. The population of this research is Islamic commercial banks inIndonesia with a sampling technique, namely purposive sampling. Theregression analysis method used is panel data using Eviews 10. Theresearch results show simultaneously that Inflation, Exchange Rates,Good Corporate Governance (GCG) have a significant effect on Non-Performing Financing (NPF). However, partially it shows that (1)Inflation, Exchange Rates, and Financing to Deposit Ratio (FDR) haveno effect on Non-Performing Financing (NPF), (2) Good CorporateGovernance (GCG) has a significant positive effect on Non-PerformingFinancing (NPF).
The Influence of CAR, FDR, NPF, and Profit Sharing Ratio on BCA Syariah's Financial Performance for the 2016-2022 Periods Dina Christiana; Putri, Rizky Nur Ayuningtyas
Journal of Economics and Business Research (JUEBIR) Vol. 2 No. 2 (2023): December 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/juebir.v2i2.7968

Abstract

The rapid development of the banking world at this time is one of the factors that makes daily financial transactions easier. One way to see how well PT is performing. BCA Syariah Bank is based on its financial reports, as the object to be studied, researchers will analyze BCA Syariah's quarterly financial reports obtained from the official OJK website. Financial performance can be seen from the size of ROA, while the size of ROA itself can be influenced by CAR, FDR, NPF and Profit Sharing Ratio. Therefore, the aim of this research is to determine the partial and simultaneous influence of CAR, FDR, NPF and Profit Sharing ratio on BCA Syariah's ROA for the 2016-2022 period. The samples in the research were all quarterly financial reports for the 2016-2022 period with a total of 28 samples and the sampling technique was purposive sampling. The analytical method used is multiple linear regression analysis with the help of the Eviews 10 program. The research results show that partially (1) CAR has a significant negatif effect on ROA, (2) FDR, NPF and Profit Sharing Ratio do not have a significant effect on ROA. Meanwhile, CAR, FDR, NPF and Profit Sharing Ratio simultaneously influence BCA Syariah's ROA for the 2016-2022 period.
Co-Authors Christiana, Dina Dina Christiana Munir, Sinthia Miftakul Orsita Asmu Putri Putri, Orsita Asmu Sari, Tyas Kartika Tiarawati, Tika Dewi