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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah
Nur Amalia, Syahamah
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Economics, Econometrics & Finance Social Sciences

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Role of Accounting Information to Control Adverse Selection Apriliza, Yafika; Nur Amalia, Syahamah; Muda, Iskandar
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22755

Abstract

This journal article explores the role of accounting information in controlling adverse selection in financial markets. This study emphasizes the important role of accounting information transparency, disclosure, and regulatory frameworks in mitigating the risks associated with adverse selection. By providing reliable and timely accounting information, accounting practices help reduce information asymmetry among market participants, thereby minimizing adverse selection. Investor confidence is increased through access to high-quality accounting information, resulting in more informed decision making and reduced adverse selection. The research method used in writing this article is a qualitative method. This research uses a qualitative research approach using a scoping review approach. This research underscores the important role of accounting information and fair practices facilitated by effective accounting systems in overcoming the challenge of adverse selection. Overall, this research contributes to the understanding of how accounting information plays an important role in managing adverse selection and enhancing integrity in financial markets. Keywords: Accounting Information, Information Asymmetry, Adverse Selection
Pengaruh Penggunaan Mobile Banking dan Potensi Risiko Terhadap Kepercayaan Nasabah dengan Literasi Keuangan sebagai Variabel Moderasi Nur Amalia, Syahamah; Pratiwi, Annisa Rizki; Gultom, Parapat
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24374

Abstract

This study uses financial literacy as a moderating variable to investigate how potential harms associated with mobile banking affect customer trust. The quantitative descriptive approach is the methodology used, and data were collected through questionnaires filled out by approximately 308 respondents. SmartPLS 3.0 software will then be used to analyze the data using partial least squares. According to the study findings, customer trust is positively and significantly influenced by the variable of mobile banking usage, positively and significantly influenced by potential risks, positively and significantly influenced by financial literacy, and positively and significantly influenced by potential risks. The impact of mobile banking on customer trust cannot be reduced by the variable of financial literacy. The potential threats to customer trust cannot be reduced by the variable of financial literacy. The variable of customer trust can cover 59.5% of the independent variables, according to the results of the R Square test, and the remaining 40.5% in other studies using other variables. Keywords: Mobile Banking Usage, Potential Risks, Customer Trust, Financial Literacy
Role of Accounting Information to Control Adverse Selection Apriliza, Yafika; Nur Amalia, Syahamah; Muda, Iskandar
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22755

Abstract

This journal article explores the role of accounting information in controlling adverse selection in financial markets. This study emphasizes the important role of accounting information transparency, disclosure, and regulatory frameworks in mitigating the risks associated with adverse selection. By providing reliable and timely accounting information, accounting practices help reduce information asymmetry among market participants, thereby minimizing adverse selection. Investor confidence is increased through access to high-quality accounting information, resulting in more informed decision making and reduced adverse selection. The research method used in writing this article is a qualitative method. This research uses a qualitative research approach using a scoping review approach. This research underscores the important role of accounting information and fair practices facilitated by effective accounting systems in overcoming the challenge of adverse selection. Overall, this research contributes to the understanding of how accounting information plays an important role in managing adverse selection and enhancing integrity in financial markets. Keywords: Accounting Information, Information Asymmetry, Adverse Selection
Pengaruh Penggunaan Mobile Banking dan Potensi Risiko Terhadap Kepercayaan Nasabah dengan Literasi Keuangan sebagai Variabel Moderasi Nur Amalia, Syahamah; Pratiwi, Annisa Rizki; Gultom, Parapat
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24374

Abstract

This study uses financial literacy as a moderating variable to investigate how potential harms associated with mobile banking affect customer trust. The quantitative descriptive approach is the methodology used, and data were collected through questionnaires filled out by approximately 308 respondents. SmartPLS 3.0 software will then be used to analyze the data using partial least squares. According to the study findings, customer trust is positively and significantly influenced by the variable of mobile banking usage, positively and significantly influenced by potential risks, positively and significantly influenced by financial literacy, and positively and significantly influenced by potential risks. The impact of mobile banking on customer trust cannot be reduced by the variable of financial literacy. The potential threats to customer trust cannot be reduced by the variable of financial literacy. The variable of customer trust can cover 59.5% of the independent variables, according to the results of the R Square test, and the remaining 40.5% in other studies using other variables. Keywords: Mobile Banking Usage, Potential Risks, Customer Trust, Financial Literacy
Co-Authors Apriliza, Yafika Iskandar Muda Parapat Gultom Pratiwi, Annisa Rizki