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Journal : Business Management Research

Financial Performance: A Study of CAR and FDR Impact on ROA in Indonesian Islamic Banks Sulistyorini, Ery; Sarasmitha, Citra; June, Cindy Getah Tresna; Jauhari, Burhanuddin
Business Management Research Vol 3, No 1 (2024): January 2024
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/bismar.v3i1.13505

Abstract

This research analysis the influence of CAR and FDR on ROA in Sharia Banks during the COVID-19 Outbreak. The phenomenon behind this research is global economic uncertainty due to the pandemic which affects the stability and financial performance of banks, especially Islamic banks. There is a research gap in understanding how financial variables such as CAR and FDR affect ROA in the midst of crisis conditions. This research uses financial report data from Islamic banks in Indonesia during the pandemic period, and the analysis method uses multiple regression. The research results show that CAR and FDR have a significant influence on ROA. These findings indicate that Islamic banks need to maintain and increase CAR and manage FDR well to maintain healthy financial performance. The discussion in this research emphasizes the importance of increasing capital, optimizing financing, and strict regulatory supervision as policy steps that can be implemented. Thus, this research makes an important contribution to the Islamic finance literature and provides practical recommendations for Islamic bank management and regulators to maintain financial stability and health in times of crisis.Keywords: Capital, profitability, sharia banking, COVID-19 pandemic.
A Comprehensive Synthesis of Technology Adoption Models in the Context of QRIS Digital Payment in Indonesia: A Systematic Review of UTAUT, TAM, and TRAM Diah Widiawati; Yosanda Zata Aman; Burhanuddin Jauhari
Business Management Research Vol. 5 No. 1 (2026): January 2026
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/bismar.v5i1.16586

Abstract

This Systematic Literature Review (SLR) provides a comprehensive synthesis of technology adoption models (TAM, UTAUT, TRAM) in the context of QRIS digital payment in Indonesia, aiming to resolve the theoretical fragmentation in existing literature. The study strictly adhered to the PRISMA protocol, examining Scopus-indexed articles from 2022 to 2025. The synthesis, predominantly based on quantitative studies utilizing PLS-SEM , reveals a strong convergence: Perceived Usefulness/Performance Expectancy and Trust consistently emerge as the most significant determinants of behavioral intention and actual QRIS adoption among both consumers and MSMEs. A critical divergence noted is the varying significance of Habit for sustained use and the pivotal role of contextual factors, such as Central Bank policies and the COVID-19 pandemic, which are often overlooked in traditional frameworks. Practically, the findings underscore the need for FinTech providers to prioritize investments in transparent security protocols and the clear communication of QRIS benefits. Future research is urged to employ longitudinal studies and cross-sectional comparisons between user segments to build a more integrated, parsimonious meta-model of digital payment acceptance.