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All Journal Jurnal Ekonomika dan Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Jayanti, Rista Dwi
Unknown Affiliation
Religion Economics, Econometrics & Finance

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Pengaruh Pembiayaan Terhadap Profitabilitas Bank Umum Syariah Harnum, Mutiara Puspita; Maulidiyah, Musaidatul; Jayanti, Rista Dwi; Septiyanti, Tifanny Tassyah; Canggih, Clarashinta
Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v7n3.p175-188

Abstract

Islamic banking plays a crucial role in driving economic growth and stability in Indonesia. Islamic banking has shown positive growth, including in BUS, UUS, and BPRS. The market share of Islamic banking has also grown, reaching 6.74% of the national banking sector. However, there are challenges in ensuring that the financing products offered can enhance the bank's profitability while adhering to Islamic values. This study aims to determine the effect of profit sharing financing and non-profit sharing financing both partially and simultaneously on profitability (ROA) at Sharia Commercial Banks. The research method used in this study is quantitative research method with Multiple Linear Regression analysis model. The results showed that partial profit-sharing financing had a negative and significant effect on profitability (ROA), and partial non-profit-sharing financing had a positive and significant effect on profitability (ROA). while simultaneously profit-sharing financing and non-profit-sharing financing affect profitability (ROA). The implications of this study's results suggest that non-profit-sharing financing can be a more profitable alternative for banks in enhancing profitability, allowing them to focus more on developing non-profit-sharing financing products to achieve better economic stability.
Analysis of the Success of the BSI Mobile Service Information System Among Generation Z Using the DeLone and McLean Method Jayanti, Rista Dwi; Timur, Yan Putra; Rifqi, Muhammad
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i4.10344

Abstract

The rapid growth of digital banking in Indonesia has transformed financial transactions and created an urgent need to evaluate the success of mobile banking systems. This study investigates the success of the Bank Syariah Indonesia (BSI) Mobile information system among Generation Z users by applying the DeLone and McLean model, which includes six key dimensions: system quality, information quality, service quality, system use, user satisfaction, and net benefits. A quantitative approach was employed using an online survey of 96 Generation Z respondents who actively used BSI Mobile for at least three months. Data were analyzed with Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings reveal that information quality significantly influences system use, while service quality significantly affects user satisfaction. Furthermore, system use positively impacts both user satisfaction and net benefits, and user satisfaction shows the strongest effect on net benefits. In contrast, system quality has no significant relationship with system use or user satisfaction, and information quality does not demonstrate a significant effect on user satisfaction. These results provide practical implications for Bank Syariah Indonesia to enhance digital service quality and strengthen Generation Z engagement, as well as theoretical contributions by validating the DeLone and McLean model in the context of Islamic mobile banking.
Co-Authors Clarashinta Canggih Harnum, Mutiara Puspita Maulidiyah, Musaidatul Muhammad Rifqi Septiyanti, Tifanny Tassyah Yan Putra Timur