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All Journal Journal of Management and Islamic Finance Jurnal Ekonomika dan Bisnis Islam
Putri, Diva Carrisa
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Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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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

Show Abstract | Download Original | Original Source | Check in Google Scholar

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.
CAPITAL MARKET DEVELOPMENTS ON INDONESIA'S ECONOMIC GROWTH IN 2019-2023: CHALLENGES AND PROSPECTS IN THE FUTURE Putri, Diva Carrisa; Amalia As’adi, Firda Rizqi; Alfado Chievo Javantara; Moch Miqdad; Maryam Bte Badrul Munir
Journal of Management and Islamic Finance Vol. 4 No. 2 (2024): Journal of Management and Islamic Finance
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jmif.v4i2.10176

Abstract

Indonesian society with a Muslim majority can invest using the Sharia capital market, where the Sharia capital market is an investment facility for the Muslim community based on sharia principles. Methods: The research method used is a literature study with descriptive analysis techniques by collecting data in the form of writings from previous research and arranging them to see the results of the data that has been collected, this technique does not use numbers for statistical testing or classical assumptions. Results: The Islamic capital market in Indonesia has made a significant contribution to economic growth from 2019 to 2023. This contribution is reflected in the increase in assets and capitalization of the Islamic capital market, which not only shows absolute growth but also an increase in the proportion of the national Gross Domestic Product (GDP). With consistent growth in assets and capitalization and an increase in the number of investors, the Islamic capital market plays an important role in increasing financial inclusion and national economic stability. The efforts of the government and OJK in strengthening regulations and product innovation in this sector are expected to continue to drive sustainable growth in the future.  Conclusion and suggestion: The conclusion of this study highlights that the development of sharia products, OJK regulations, and product innovation have a significant positive impact on long-term economic growth. The sharia capital market also has great potential to support long-term economic growth and financial inclusion, with the hope that strengthening regulations and innovation will continue to drive positive contributions to the national economy.
PENGARUH TOTAL PEMBIAYAAN, DANA PIHAK KETIGA (DPK), DAN NON-PERFOMING FINANCING (NPF) TERHADAP PROFITABILITAS (ROE) PT. BANK MUAMALAT INDONESIA TBK. PERIODE 2014-2024 Putri, Diva Carrisa; Indrarini, Rachma
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n2.p20-32

Abstract

Bank Muamalat as a growing Islamic bank, BMI faces challenges in increasing its profitability by as-sessing the effectiveness of equity management and identifying strategies that can improve financial performance. This study aims to analyze the effect of Total Financing, Third Party Funds (DPK), and Non-Performing Financing (NPF) on Profitability (Return on Equity / ROE) at PT Bank Muamalat Indo-nesia Tbk during the period 2014-2024. The research method used is associative quantitative, with secondary data in the form of quarterly financial reports of Bank Muamalat which are analyzed using Multiple Linear Regression through SPSS software. The results showed that Total Financing has a positive and significant effect on ROE, while DPK and NPF have a negative and significant effect on ROE. Simultaneously, Total Financing, DPK, and NPF have a significant effect on ROE. This finding confirms that an increase in financing can increase profitability, but high credit risk (NPF) and less than optimal DPK management can reduce the return on equity (ROE). Therefore, Bank Muamalat needs to optimize financing strategies, improve the efficiency of DPK management, and strengthen credit risk mitigation to increase profitability and competitiveness in the Islamic banking industry.
Co-Authors Alfado Chievo Javantara Amalia As’adi, Firda Rizqi Khoiriyah, Eva Zunia Maryam Bte Badrul Munir Maulidiyah, Musaidatul Moch Miqdad Nurafini, Fira Rachma Indrarini