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All Journal IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam International Journal of Business and Applied Economics (IJBAE)
Asrul Yatimi, Muh.
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Effect of Ziswaf Acceptance, Giro Wadiah Savings, and Murabahah Income on Bonus Wadiah With Firm Size as A Moderating Variable for The Period of 2018.Q1 to 2023.Q3 Asrul Yatimi, Muh.; Hestya Budianto, Eka Wahyu
IQTISHADUNA Vol. 15 No. 2 (2024): IQTISHADUNA: Jurnal Ekonomi Dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v15i2.10654

Abstract

This study aims to determine and examine the effect of ZISWAF Fund Revenue, Wadiah Current Account Deposits, and Murabahah Income on Wadiah Bonus with Firm Size. The sample used in this study is a company in the financial sector listed on the Indonesia Stock Exchange (IDX) in 2018-2023. The sampling technique used was purposive sampling, with a total sample of 5 companies for 5 years. The data analysis technique used is Panel Data Regression Analysis and Moderated Regression Analysis (MRA) with the Eviews 12 application. The results showed that the receipt of ziswaf funds had no significant effect on the financial sector wadiah bonus for the 2018-2023 period. Wadiah current account deposits have a significant positive effect on wadiah bonuses in the financial sector for the 2018-2023 period. Murabahah income has no significant effect on bonus wadiah financial sector for the period 2018-2023. firm size cannot moderate the effect of ziswaf fund receipts on bonus wadiah financial sector in the 2018-2023 period. firm size can moderate the effect of wadiah current account deposits on bonus wadiah financial sector in the 2018-2023 period. firm size cannot moderate the effect of murabahah income on bonus wadiah financial sector in the 2018-2023 period. In future studies, it is expected to use other variables as moderating variables, such as BOPO and use a sample of companies from other sectors so that the results of the study will be more accurate.
Analysis of the Potential Impact of Central Bank Digital Currency (CBDC) on Banking in Indonesia Gunawan, Risma; Asrul Yatimi, Muh.; Sartika, Farahiyah
International Journal of Business and Applied Economics Vol. 3 No. 5 (2024): September 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijbae.v3i5.11519

Abstract

This research aims to analyze the potential impact of implementing Central Bank Digital Currency (CBDC) on banking stability in Indonesia and identify factors that influence economic actors in using CBDC. This research used descriptive qualitative methods with literature studies. The data sources for research are bibliographic or come from various types of literature, including books, journals, articles, newspapers, modules, personal documents, etc. The research results show that implementing CBDC can reduce the number of deposits in banks, increase competition, and change banking business models. However, CBDCs can also improve financial inclusion and payment system efficiency. Factors that influence the use of CBDC include the level of trust, security, cost, and public literacy and education. The implication of this research is to enrich financial literature by introducing a new concept regarding digital money issued by central banks. In addition, the research results can be used to design risk mitigation strategies that may arise due to switching from cash to digital money.
Co-Authors Farahiyah Sartika Gunawan, Risma Hestya Budianto, Eka Wahyu