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Pengaruh Pembiayaan Mudharabah, Pembiayaan Musyarakah dan Non-Performing Financing Terhadap Profitabilitas Bank Umum Syariah di Indonesia Ulya, Eva Suci Zulfatul; Sadiyah, Mahmudatus
Jurnal Iqtisaduna Vol 11 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v11i1.52983

Abstract

This study aims to analyze the influence of mudharabah financing, musyarakah financing, and Non-Performing Financing (NPF) on the profitability of Islamic commercial banks in Indonesia in the 2019-2023 period, as measured by Return on Assets (ROA). The research method uses panel data regression analysis with secondary data from 6 Islamic commercial banks registered with the Financial Services Authority (OJK), which were selected through purposive sampling technique based on certain criteria. Data processing is done using EViews 10 software, the data analysis process includes descriptive statistical analysis, classical assumption testing, and hypothesis testing. The results showed that mudharabah financing has no significant effect on ROA, while musyarakah financing has a positive and significant effect. NPF has a significant negative effect on ROA, indicating that the high risk of non-performing financing can reduce bank profitability. The results of this research emphasise the need for more focused risk mitigation strategies and the development of more adaptive financing products so that Islamic banks can increase their profitability in the future, especially in the face of unforeseen economic challenges.
PENGARUH LIVE STREAMING, ELECTRONIC WORD OF MOUTH (E-WOM) DAN ISLAMIC BRANDING TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN MUSLIM DI SHOPEE Rofiqoh, Nayla Faizatul; Sadiyah, Mahmudatus
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 2 (2025): May 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i2.2774

Abstract

Abstract: The purpose study is to obtain evidence regarding whether or not there is an effect of Live Streaming, Electronic Word of Mouth (e-WOM), and Islamic Branding, on Muslim consumer purchasing decisions. The methodology used is quantitative approach by utilizing primary data collected through questionnairs, and obtaining sample of 106 respondent to used purposive sampling techniques in quota sampling method. This study examines the relationship between variables using a series of analytic techniques, including validity, classical assumption, hypothesis, multiple linear regression analysis, and coefficient determination, which are processed using the IBM SPSS version 25 application. The results showed Live Streaming and Islamic Branding have sig. influence on purchasing decisions. Live Streaming becomes an effective marketing tool through time-limited promotions, attractive discounts, clear product descriptions, and creative visual marketing. Islamic Branding builds consumer loyalty through Islamic values such as honesty, responsibility, and sharia compliance, supported by indicators of sharia compliance, Islamic brand origin, and Muslim community involvement. e-WOM no sig. effect on purchasing decisions, due to limited information credibility, trust in anonymous sources, and lack of personal interaction. Consumers tend to prefer direct experience and relevant religious attributes. Keyword: Electronic Word Of Mouth; Purchase Decision; Live streaming; Islamic Branding. Abstrak: Penelitian ini juga bertujuan dalam memperoleh bukti mengenai berpengaruhnya Live Streaming, Electronic Word of Mouth (e-WOM), dan Islamic Branding terkait keputusan pada hal pembelian konsumen Muslim. Metode penelitian ini ialah pendekatan kuantitatif berfokus sebuah data aspek primer yang diperoleh melalui inti kuesioner. Sampel dari penelitian berjumlah 106 responden juga yang dipilih menggunakan teknik purposive sampling dalam metode sampling kuota. Analisis hubungan antar variabel dilakukan melalui uji validitas, uji asumsi klasik, uji hipotesis, analisis regresi linier berganda, serta koefisien determinasi, dengan pengolahan data menggunakan IBM SPSS versi 25. Hasil penelitian menyatakan bahwa Live Streaming dan Islamic Branding untuk bisa berdampak juga secara signifikan pada keputusan pembelian. Live Streaming menunjukkan bahwa strategi pemasaran yang efektif melalui promosi berbatas waktu, diskon menarik, deskripsi produk yang lebih detail, serta pemasaran visual secara kreatif. Sementara itu, Islamic Branding berkontribusi dalam membangun loyalitas konsumen dengan menekankan nilai-nilai pada agama Islam, misalnya suatu kejujuran, suatu tanggung jawab, serta kepatuhan terhadap prinsip syariah, yang tercermin dalam indikator kepatuhan syariah, identitas merek Islami, serta keterlibatan dalam komunitas Muslim. Di sisi lain, e-WOM memiliki pada pengaruh sig. terhadap sebuah keputusan pada hal untuk pembelian. Hal tersebut disebabkan oleh keterbatasan kredibilitas informasi, rendahnya atas tingkatan sebuah kepercayaan terhadap sumber anonim, serta minimnya interaksi personal. Konsumen lebih cenderung mengutamakan pengalaman langsung dan atribut religius yang sesuai dengan nilai-nilai mereka dalam mengambil sebuah keputusan pada hal pembelian.Kata kunci: Electronic Word Of Mouth; Keputusan Pembelian; Live Streaming; Islamic Branding.
PENGARUH HALAL LIFESTYLE, LITERASI KEUANGAN SYARIAH DAN KEPERCAYAAN TERHADAP MINAT MENABUNG DI BANK SYARIAH Mustaidah, Zahrotun; Sadiyah, Mahmudatus
Jurnal Tabarru': Islamic Banking and Finance Vol. 8 No. 1 (2025): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2025.vol8(1).21946

Abstract

Penelitian ini bertujuan menganalisis pengaruh halal lifestyle, literasi keuangan syariah, serta kepercayaan pada minat nabung di bank syariah. Penelitian ini menggunakan metode kuantitatif. Data primer diperoleh melalui kuesioner; penelitian ini melibatkan 98 responden yang dipilih melalui accidental sampling dari populasi mahasiswa aktif Universitas Islam Nahdlatul Ulama Jepara sebanyak 8.405 mahasiswa. Analisis data dilakukan seluruhnya menggunakan SPSS versi 23 dengan berbagai uji statistik seperti uji validitas, reliabilitas, asumsi klasik, regresi linier berganda, beserta uji hipotesis. Kajian riset ungkap bahwa tiga variabel beri dampak baik serta signifikan bagi minat nabung pada bank syariah. Beberapa temuan ini menyarankan agar bank syariah meningkatkan beberapa strategi edukasi, pelayanan, beserta komunikasi guna memperkuat ketiga faktor tersebut, yang mana dapat menarik lebih banyak lagi nasabah, terkhusus para mahasiswa.
Credit Risk, Lending Activity, and Bank Performance Under Inflationary Pressure: Evidence From Islamic Banking in Indonesia Sadiyah, Mahmudatus; Valentina, Eva Harmelia
Journal of Halal Review Vol. 2 No. 1 (2026)
Publisher : Generate Digital Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70764/gdpu-jhr.2(1)-01

Abstract

Objective: This study aims to analyze the effect of financing risk and financing distribution activities on the performance of the Islamic banking industry in Indonesia, as well as to examine the role of inflation as a macroeconomic factor that influences this relationship. The main focus of this study is on the dynamics of the profitability of the Islamic banking industry in the face of financing expansion and inflationary pressures. Research Design & Methods: This study uses a quantitative approach with an explanatory design based on quarterly time series data. The unit of analysis is at the level of the Islamic banking industry in Indonesia. The dependent variable is industry performance, proxied by return on assets (ROA), while the independent variables include financing risk (non-performing financing/NPF), total financing transformed into natural logarithms, and inflation. The estimation is performed using the Common Effect Model (CEM) regression model, with additional testing through an interaction model to capture the role of inflation as a conditional factor. Findings: The results indicate that financing expansion has a negative and significant effect on ROA, suggesting that growth in financing has not been fully translated into improved profitability. Inflation exhibits a positive and statistically significant effect on ROA within the observed sample period, indicating the industry's capacity to adjust margins under prevailing inflationary conditions. Financing risk shows a negative but statistically insignificant effect. Furthermore, the interaction term between NPF and inflation is negative, implying that higher inflation intensifies the adverse effect of financing risk on industry performance. Implications & Recommendations: These findings emphasize the importance of strengthening financing quality, risk management, and macroeconomic policy coordination to maintain the sustainability of the Islamic banking industry's performance. Contribution & Value Added: This study provides empirical contributions by presenting industry-based evidence on the relationship between financing risk, financing, and inflation on the profitability of Islamic banking in developing countries.