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Maulidiyah, Musaidatul
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Economics, Econometrics & Finance

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ANALISIS FAKTOR YANG MEMPENGARUHI MINAT MASYARAKAT LAMONGAN MENJADI NASABAH BANK SYARIAH Maulidiyah, Musaidatul; Khoiriyah, Eva Zunia; Putri, Diva Carrisa; Nurafini, Fira
Jurnal Ekonomika dan Bisnis Islam Vol 7 No 1 (2024): April
Publisher : Universitas Negeri Surabaya

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Abstract

Sharia banking still has problems, one of which is the lack of public knowledge about sharia banking, as evidenced by the large number of people who still use conventional banks and personal banking (daily banking) for transactions. Therefore, this research was conducted to determine the influence of knowledge, religiosity and social environment on the Lamongan community's interest in becoming sharia bank customers. This research uses a quantitative type of research with an associative approach. The sampling technique uses purposive sampling. Data analysis uses multiple correlation analysis tests, namely, T test, F test, determinant coefficient test (R2). The population of this study consisted of 100 residents of Lamongan and were used as samples. Based on the results of a simple regression test, it is known that the variables of knowledge, religiosity and social environment have a positive and significant effect on the Lamongan community's interest in becoming sharia bank customers. This is proven by the results of t-count being greater than t-table which has values of 2.137, 6.429, and 2.350 and ttable of 1.984. It was also stated that simultaneously there was a positive and significant relationship between the variables of knowledge, religiosity and social environment on the Lamongan community's interest in becoming sharia bank customers with the Fcount result being greater than Ftable, namely 18.540 > 3.09.
Pengaruh Pembiayaan Terhadap Profitabilitas Bank Umum Syariah Harnum, Mutiara Puspita; Maulidiyah, Musaidatul; Jayanti, Rista Dwi; Septiyanti, Tifanny Tassyah; Canggih, Clarashinta
Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v7n3.p175-188

Abstract

Islamic banking plays a crucial role in driving economic growth and stability in Indonesia. Islamic banking has shown positive growth, including in BUS, UUS, and BPRS. The market share of Islamic banking has also grown, reaching 6.74% of the national banking sector. However, there are challenges in ensuring that the financing products offered can enhance the bank's profitability while adhering to Islamic values. This study aims to determine the effect of profit sharing financing and non-profit sharing financing both partially and simultaneously on profitability (ROA) at Sharia Commercial Banks. The research method used in this study is quantitative research method with Multiple Linear Regression analysis model. The results showed that partial profit-sharing financing had a negative and significant effect on profitability (ROA), and partial non-profit-sharing financing had a positive and significant effect on profitability (ROA). while simultaneously profit-sharing financing and non-profit-sharing financing affect profitability (ROA). The implications of this study's results suggest that non-profit-sharing financing can be a more profitable alternative for banks in enhancing profitability, allowing them to focus more on developing non-profit-sharing financing products to achieve better economic stability.
Co-Authors Clarashinta Canggih Harnum, Mutiara Puspita Jayanti, Rista Dwi Khoiriyah, Eva Zunia Nurafini, Fira Putri, Diva Carrisa Septiyanti, Tifanny Tassyah