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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Risalah Iqtisadiyah
Permana, Daffa Abdi
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Religion Economics, Econometrics & Finance Social Sciences

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Intention to Use Islamic Fintech Which is Influenced by Sharia Compliance Variabels, Perceived Usefulness, Islamic Religiosity and Perceived Ease of Use Permana, Daffa Abdi; Syihabudin; Najmudin
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 4 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i4.23510

Abstract

This study aims to determine whether sharia compliance, perceived usefulness, Islamic religiosity and perceived convenience partially or simultaneously have a positive and significant effect on the intention to use sharia fintech. This type of research uses quantitative research with descriptive and associative approaches. The sample in the study amounted to 82 respondents. The data analysis technique used is instrument test, classical assumption test, multiple linear regression analysis, hypothesis testing and coefficient of determination (R2) analysis with SPSS version 26.0 program. The results of data analysis show that the results of the partial test (t test), sharia compliance, perceived usefulness and perceived convenience partially have a positive and significant effect on the intention to use sharia fintech, while Islamic religiosity has no significant effect. The simultaneous test results (F test) show that F count (44,526) > F table (2.72) with a significance value of 0.000 <0.05. It can be concluded that sharia complianc, perceived usefulness, Islamic religiosity and perceived convenience simultaneously have a positive and significant effect on the intention to use Islamic fintech.
Intention to Use Islamic Fintech Which is Influenced by Sharia Compliance Variabels, Perceived Usefulness, Islamic Religiosity and Perceived Ease of Use Permana, Daffa Abdi; Syihabudin; Najmudin
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 4 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i4.23510

Abstract

This study aims to determine whether sharia compliance, perceived usefulness, Islamic religiosity and perceived convenience partially or simultaneously have a positive and significant effect on the intention to use sharia fintech. This type of research uses quantitative research with descriptive and associative approaches. The sample in the study amounted to 82 respondents. The data analysis technique used is instrument test, classical assumption test, multiple linear regression analysis, hypothesis testing and coefficient of determination (R2) analysis with SPSS version 26.0 program. The results of data analysis show that the results of the partial test (t test), sharia compliance, perceived usefulness and perceived convenience partially have a positive and significant effect on the intention to use sharia fintech, while Islamic religiosity has no significant effect. The simultaneous test results (F test) show that F count (44,526) > F table (2.72) with a significance value of 0.000 <0.05. It can be concluded that sharia complianc, perceived usefulness, Islamic religiosity and perceived convenience simultaneously have a positive and significant effect on the intention to use Islamic fintech.
Pengaruh Pembiayaan Mudharabah, Musyarakah, Murabahah, dan Ijarah terhadap Return on Equity (ROE) Bank BCA Syariah Periode 2018–2022 Permana, Daffa Abdi; Fatoni, Ahmad
Risalah Iqtishadiyah Vol 4 No 1 (2025): January - June 2025
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v4i1.40

Abstract

This study aims to examine the effect of mudharabah, musyarakah, murabahah, and ijarah financing on the return on equity (ROE) of Bank BCA Syariah. This research employs a quantitative approach with a saturated sampling technique. Secondary data were obtained from the quarterly financial reports of Bank BCA Syariah for the period 2018–2022. Data were analyzed using classical assumption tests, multiple linear regression, t-test, F-test, and the coefficient of determination with SPSS v23. The results show that, partially, mudharabah, musyarakah, and ijarah financing have no significant effect on ROE, while murabahah financing has a positive and significant effect on ROE. Simultaneously, the four financing variables do not have a significant effect on ROE.
Co-Authors Ahmad Fatoni Najmudin Syihabudin