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All Journal International Journal of Management, Economic and Accounting Jurnal Konsisten
Anita
Universitas Malahayati
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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PENGARUH LITERASI KEUANGAN SYARIAH (PENGETAHUAN, KEMAMPUAN, SIKAP, DAN KEPERCAYAAN) TERHADAP PENGAMBILAN KEPUTUSAN TRANSAKSI MUDHARABAH Muhammad Irfan Pratama; Harold Kevin Alfredo; Anita
JURNAL KONSISTEN Vol 1 No 2 (2024): JURNAL KONSISTEN VOL. 1 NO.2 2024
Publisher : Yayasan Sahabat Cendekia Jaya

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  Literasi keuangan syariah dianggap mampu memberikan dampak pada keputusan seseorang menggunakan produk perbankan syariah seperti produk mudharabah. Penggunaan produk tersebut diharapkan mampu menjangkau masyarakat secara luas termasuk pada kalangan pendidik di tingkat sekolah atas (SMA).  Tetapi hasil dari  pra riset pada beberapa guru SMA di Provinsi Lampung belum memahami, mendapatkan info detail, maupun membaca tentang berbagai akad pada perbankan syariah yang menunjukkan literasi dalam keuangan syariah masih belum maksimal. Bahkan beberapa guru menyatakan tidak memahami tentang mudharabah dan bagaimana sistemnya. Dengan melakukan gerakan literasi keuangan syariah diharapkan masyarakat dapat memperoleh pemahaman mengenai lembaga keuangan syariah serta produk dan jasa keuangan syariah. Dalam meningkatkan literasi keuangan syariah dapat dilakukan dengan terus mengembangkan edukasi atas literasi keuangan syariah.Penelitian ini menggunakan pendekatan kuantitatif. Penelitian ini dilakukan pada tenaga pendidik SMA di Provinsi Lampung. Sampel pada penelitian ini adalah 100 responden. Pengambilan sampel dilakukan menggunakan Teknik purposive sampling. Pengolahan data pada penelitian ini yaitu menggunakan SPSS 2023.Hasil penelitian ini menunjukan bahwa Literasi Keuangan Syariah Pengetahuan, Kemampuan, Sikap dan Kepercayaan yaitu terdapat berpengaruh positif terhadap pengambilan keputusan transaksi mudharabah pada perbankan syariah di kalangan tenaga pendidik SMA di provinsi Lampung.
The Effect of Macroeconomic Factors on Equity Mutual Fund Returns on the Bibit Application, Moderated by JCI Volatility (2020-2024) Suryani; Euis Mufahamah; Anita
International Journal of Management, Economic and Accounting Vol. 4 No. 2 (2026): April 2026
Publisher : Yayasan Multidimensi Kreatif

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This study aims to analyze the influence of inflation, interest rates, and exchange rates on stock mutual fund returns on the Bibit application with JCI volatility as a moderation variable. The approach used is quantitative with multiple linear regression analysis methods and Moderated Regression Analysis (MRA). The data used is secondary data that includes inflation rates, interest rates, exchange rates, JCI volatility, and stock mutual fund returns in certain research periods. The results of the study show that partially inflation, interest rates, and exchange rates have a significant influence on the return of stock mutual funds. In addition, JCI volatility has been proven to be able to moderate the relationship between inflation and exchange rates on stock mutual fund returns, but it is unable to moderate the effect of interest rates on returns. These findings indicate that macroeconomic conditions and stock market volatility dynamics play an important role in determining the performance of stock mutual funds. Therefore, investors and investment managers need to carefully consider these factors in their investment decision-making, especially in the use of digital platforms such as the Bibit application, in order to maximize potential profits and minimize risks that may arise.
Analysis of Financial Distress Using Financial and Non-Financial Indicators with the Altman Z-Score, Grover, and Springate Approaches Siti Musyafa'ah; Euis Mufahamah; Anita
International Journal of Management, Economic and Accounting Vol. 4 No. 2 (2026): April 2026
Publisher : Yayasan Multidimensi Kreatif

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This study aims to analyze financial distress using financial and non-financial indicators in energy sector companies listed on the Indonesia Stock Exchange (IDX) during the 2022–2024 period. The research method used is a quantitative approach with secondary data in the form of the company's annual financial statements, which is analyzed by regression panel data. The measurement of financial distress prediction in this study used the Springate model. Based on the results of the model selection test, the most appropriate approach to use is the Common Effect Model (CEM). The results of hypothesis testing showed that Leverage, Net Profit Margin, and Current Ratio had a significant effect on financial distress, while audit committees and institutional ownership had no effect on financial distress. Simultaneously, all independent variables have been shown to have a significant effect on financial distress. The implications of this study are expected to be a consideration for company management in improving the efficiency of financial management as well as for investors in assessing the level of financial health and risk of financial distress before making investment decisions.
Analysis of the Effect of Mudharabah Financing, Musyarakah Financing, and Murabahah Receivables on the Net Profit of the Islamic Banking Industry Maya Novita Sari; Lestari Wuryanti; Anita
International Journal of Management, Economic and Accounting Vol. 4 No. 2 (2026): April 2026
Publisher : Yayasan Multidimensi Kreatif

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Abstract

This study aims to analyze the influence of mudharabah, musyarakah, and murabahah financing on the net profit of the Islamic banking industry in Indonesia during the 2020–2024 period. The research sample was selected using the purposive sampling method and included six Sharia Commercial Banks that consistently published complete financial statements during the study period. The data used is secondary data, while the analysis techniques applied include panel data regression with the selection of the best model through Chow, Hausman, and Lagrange Multiplier tests. The results of the study show that mudharabah financing has a significant influence on net profit, musyarakah financing shows a influence, but it is not statistically significant on net profit, while murabahah receivables are proven to have a significant influence on net profit. Simultaneously, these three types of financing have a significant effect on the net profit of the Islamic banking industry, indicating that proper financing portfolio management can contribute to increasing bank profitability.
Co-Authors Euis Mufahamah Harold Kevin Alfredo Lestari Wuryanti Maya Novita Sari Muhammad Irfan Pratama Siti Musyafa'ah Suryani