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All Journal Jurnal Penelitian Ekonomi dan Bisnis Jurnal Ekonomika dan Bisnis Islam
Qulub, Ana Fidatul
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Antecedents of Muslim Students' Decisions to Use Islamic Digital Banks Qulub, Ana Fidatul; Ayuningtyas Putri, Rizky Nur
Jurnal Penelitian Ekonomi dan Bisnis Vol. 9 No. 1 (2024): March 2024
Publisher : Universitas Dian Nuswantoro Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jpeb.v9i1.9838

Abstract

The primary objective of this research is to examine the many elements that influence the decision-making process of Muslim students when it comes to utilizing Islamic digital banking services. This study explains the Theory of Planned Behavior (TPB), specifically focusing on the constructs of attitude, subjective norm, and perceived behavioral control, in addition to supplementary exogenous variables, digital marketing, brand image, and digital financial literacy, and the intention to use. This research uses a quantitative Structural Equation Model (SEM) approach. The data collection technique used questionnaires distributed online to respondents, namely Muslim students who live in Solo Raya, and a total of 384 respondents participated. The findings indicated that each exogenous variable exhibited a statistically significant impact on the intention to use; Intention to use proved influential in Muslim students' decision to use Islamic digital banks. Perceived behavioral control, brand image, and digital financial literacy significantly affect Muslim students' decision to use Islamic digital banks. In contrast, attitudes, subjective norms, and digital marketing are not substantial on the decision of Muslim students to use Islamic digital banks. Intention mediates the indirect influence of exogenous variables on Muslim students' decisions to use Islamic digital banks.Keywords:Islamic Digital Banks, Muslim Students’ Decisions, Intention to Use, Attitude, Subjective Norm, Perceived Behavioral Control, Digital Marketing, Brand Image, Digital Financial Literacy
Pengaruh Sukuk Korporasi dan Inflasi Terhadap Profitabilitas Bank Umum Syariah Selama Pandemi Covid-19 Qulub, Ana Fidatul; Muhammad Alan Nur; Budi Sukardi
Jurnal Ekonomika dan Bisnis Islam Vol 6 No 2 (2023): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v6n2.p101-113

Abstract

The Covid-19 pandemic has had an impact on various sectors including the economy. In the Islamic capital market with corporate sukuk instruments, it shows an increase in the total outstanding value of 42%, while in Islamic Commercial Banks it shows an increase in ROA of 0.12%, both of which recorded growth. Supposedly, as an institution looking for investors the relationship they have is negative. On the other hand, the inflation rate in Indonesia during the pandemic has also increased quite high. So this study aims to examine the effect of corporate sukuk and inflation on the ROA of Islamic Commercial Banks during the Covid-19 pandemic. This research is a quantitative study using samples from January 2020-December 2022 with the help of e-views 12 software. Based on the results of the analysis, only corporate sukuk have a significant positive effect on Return on Assets of Islamic Commercial Banks, while inflation is not significant. Simultaneously, both have a significant positive effect on the Return on Assets (RO) of Islamic Commercial Banks. So for Islamic Commercial Banks it is necessary to pay attention to the existence of corporate sukuk and the inflation rate because it has an impact on ROA which will ultimately have an impact on the performance of the banking itself.
Co-Authors Ayuningtyas Putri, Rizky Nur Budi Sukardi Muhammad Alan Nur