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All Journal JAKU (Jurnal Akuntansi & Keuangan Unja) (e-journal) Qawwam TOFEDU: The Future of Education Journal
Mayasari, Mike
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Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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LITERATURE REVIEW: THE EFFECT OF WADIAH SAVINGS AND WADIAH DEMAND DEPOSITS ON PROFITABILITY OF ISLAMIC COMMERCIAL BANKS IN INDONESIA Bedagai, Nurainun; Mayasari, Mike
JAKU (Jurnal Akuntansi & Keuangan Unja) (E-Journal) Vol 8 No 4 (2023): Jurnal Akuntansi & Keuangan Unja
Publisher : Magister Ilmu Akuntansi Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jaku.v8i4.38158

Abstract

Pengaruh tabungan Wadiah dan giro Wadiah terhadap profitabilitas bank publik Syariah sangat signifikan, sebagaimana dibuktikan oleh berbagai penelitian. Rekening ini berfungsi sebagai sumber dana penting bagi bank-bank Islam, berdampak pada laba bersih mereka dan kinerja keuangan secara keseluruhan. Penelitian bertujuan untuk menginvestigasi peningkatan profitabilitas bank umum syariah di Indonesia dari tahun 2013-2023, dengan fokus pada variabel tabungan wadiah dan giro wadiah. Penelitian ini menggunakan metode tinjauan literatur terhadap 10 artikel penelitian terdahulu dari situs Google Scholar yang mengukur profitabilitas selama periode publikasi 2013-2023. Studi penelitian ini mengungkapkan bahwa beberapa penelitian tentang profitabilitas Bank Syariah di Indonesia menggunakan berbagai indikator untuk mengukur profitabilitas, >60% peneliti menggunakan variabel tabungan wadiah, giro wadiah, murabahah dan musyarakah. Penggunaan metode penelitian berupa studi literatur yang berfokus pada analisis beberapa penelitian terdahulu yang dilakukan oleh Google Scholar dapat mengurangi validitas dan validitas dan generalisasi hasil penelitian. Tinjauan literatur tidak melibatkan pengumpulan data primer melalui observasi atau eksperimen; oleh karena itu, informasi yang diperoleh bersifat deskriptif dan tidak memungkinkan untuk mengidentifikasi hubungan sebab akibat. Kontribusi: Melalui tinjauan literatur yang cermat terhadap artikel-artikel sebelumnya, penelitian ini berhasil mengidentifikasi tren utama, inovasi, dan tantangan yang dihadapi oleh sektor perbankan syariah di Indonesia. Konsep ini mengacu pada jenis rekening tabungan di perbankan syariah yang didasarkan pada prinsip al-Wadi'ah, yang menekankan penyimpanan aman dan kepercayaan. Pengaruhnya terhadap profitabilitas relevan karena merupakan sumber simpanan yang dapat meningkatkan kekuatan keuangan bank syariah.
Analysis of the Factors Influencing the Interest in Using E-Wallets Among Baby Boomers in Koto Lanang Village Alfianti, Sisfa; Mayasari, Mike
The Future of Education Journal Vol 4 No 6 (2025)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Yayasan Pendidikan Tumpuan Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61445/tofedu.v4i6.771

Abstract

The use of e-wallets among in Koto Lanang Village, with a population of 1,173, shows that younger generations (aged 5-39) are more adept at using new technologies. In contrast, older generations, particularly baby boomers (aged 60-78), tend to be less interested in technological innovations, including e-wallets. This study aims to examine whether ease of use, benefits, and security influence the intention to use e-wallets among baby boomers in Koto Lanang Village. This research uses a quantitative approach with an associative research type. The study population consists of 203 individuals, with a sample size of 50 respondents. Data were collected through questionnaires and interviews and analyzed using validity and reliability tests, as well as classical assumption tests. Data analysis techniques include descriptive analysis and multiple linear regression, along with hypothesis testing (t-test and F-test). The analysis results are expected to show the extent to which the three independent variables, both partially and simultaneously, affect the intention to use e-wallets among the baby boomer generation in Koto Lanang Village. The results of this study indicate that ease of use, benefits, and security have a positive and significant impact on the intention to use e-wallets among the residents of Koto Lanang Village. Partial testing (t-test) shows that all three independent variables have a t-value greater than the t-table and a significance level of < 0.05, namely ease of use (t = 2.478; sig = 0.017), benefits (t = 2.777; sig = 0.008), and security (t = 2.157; sig = 0.036). Simultaneously, the F-test results show an F-value of 21.138 > F-table 2.80 with a significance of 0.000, meaning that the three variables collectively have a significant influence on the intention. The coefficient of determination (R²) value of 0.580 indicates that 58% of the variation in the intention to use e-wallets can be explained by the three variables. These findings emphasize the importance of ease of use, practical benefits, and transaction security as key factors in promoting e-wallet adoption in Koto Lanang Village.
Regional Economic Literature Analysis: The Effect of PPPK Civil Servant Status Changes to PNS on Local Economic Circulation in Jambi Province Pardinal; Mayasari, Mike; Puji Lastari, Pratiwi
Qawwam : The Leader's Writing Vol. 6 No. 2 (2025): December
Publisher : Fakultas Ushuluddin Adab dan Dakwah Insitut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/qawwam.v6i2.504

Abstract

This study aims to comprehensively examine the regional economic effects of the employment status change from Government Employees with Work Agreements (PPPK) to Civil Servants (PNS) in Jambi Province. Using a literature analysis approach, this research explores previous studies that discuss the relationship between civil service employment policies and regional economic dynamics. The main focus is directed toward the impact of increased income and job stability on money circulation, household consumption, savings, and the growth of the MSME sector. The synthesis results indicate that the transition from PPPK to PNS has the potential to create an economic multiplier effect through increased purchasing power, government employee spending, and local investment. On the other hand, fiscal policy and public expenditure planning become determining factors to ensure that these economic benefits remain sustainable. This article contributes theoretically to strengthening the model of regional economic analysis based on public employment policy and provides policy recommendations for optimizing apparatus-based regional development
Co-Authors Alfianti, Sisfa Bedagai, Nurainun Pardinal Puji Lastari, Pratiwi