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All Journal IJTIHAD Falah : Jurnal Ekonomi Syariah Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Jurnal Ilmiah Ekonomi Islam NISBAH: JURNAL PERBANKAN SYARIAH Syarikat : Jurnal Rumpun Ekonomi Syariah JESI (Jurnal Ekonomi Syariah Indonesia) Iqtishodia: Jurnal Ekonomi Syariah International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ilmiah Edunomika (JIE) Jurnal Pasar Modal dan Bisnis JBMR: Journal of Business and Management Review Journal of Management - Small and Medium Enterprises (SME's) Jurnal Dinamika Ekonomi Syariah Indonesian Journal of Islamic Economics and Business Journal of Management and Islamic Finance Transformatif: Jurnal Pengabdian Masyarakat Nusantara Islamic Economic Journal Asas wa Tandhim: Jurnal Hukum, Pendidikan, dan Sosial Keagamaan Journal of Finance and Islamic Banking Jurnal Kajian Ekonomi dan Perbankan Syariah
Abdullah, Agung
Universitas Islam Negeri Raden Mas Said Surakarta
Religion Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Social Sciences Other

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PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING RATIO (NPF), FINANCING TO DEPOSIT RATIO (FDR), DAN INFLASI TERHADAP RETURN ON ASSETS (ROA) BANK MEGA SYARIAH TAHUN 2016 – 2023 Mustaslimah, Aisa; Abdullah, Agung
Jurnal Dinamika Ekonomi Syariah Vol 12 No 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Institut Agama Islam Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research is research to determine the effect of CAR, NPF, FDR, and inflation in Bank Mega Syariah return on assets (ROA) in 20, This research is quantitative research with secondary data, obtained from Bnak Mega Syariah quarterly financial report in 2016 – 2023. The research uses a purposive sampling technique for sampling, the sample used in this research is quarterly financial report data consisting of 32 CAR data, 32 NPF data, 32 FDR data and 32 inflation statistics for quarterly months data in 2016 – 2023 data Analysis techniques in research use quantitative analysis techniques using Eviews Software to process data. The result showed that the Capital Adequacy Ratio (CAR), Non Performing Ratio (NPF) and Inflation do not affect Return On Assets (ROA), only Financing to Deposit Ratio (FDR) affects Return On Assets (ROA).
PREPARING DECISION REGARDING LAMPUNG SOLAR PRINTING BANNER MAKING SERVICES USING MARKETING MIX (7P) Yulianti, Nanda; Imam, Khairul; Abdullah, Agung
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 1 (2025): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v18i1.15841

Abstract

A particular emphasis will be placed on the banner manufacturing service that Surya Printing Lampung offers to accomplish the purpose of this research, which is to investigate the influence of the promotion mix (7P) on the purchasing decision of consumers. A total of 96 samples, as part of this investigation, were used to perform multiple regression. The assistance of SPSS version 23 was used. According to the obtained regression analysis, factors such as value, position, location, and procedures, as well as physical evidence, have a favorable and significant impact through statistics on retail customers' purchasing decision. Off-product and people variables, on the other hand, do not provide evidence of such a link. While this is going on, the marketing mix (7P), which is determined by the F test, is affecting the decision to purchase banner manufacturing services from Surya Printing Lampung. Keywords: Purchasing Decision ;Marketing Mix (7P); Banner
The Influence of Digital Literacy, Security and Brand Image Through the Customer Interest of Using the Muamalat DIN Application (Case Study at Bank Muamalat Sub Branch Boyolali) Ardiyansyah, Muhammad; Abdullah, Agung
Iqtishodia: Jurnal Ekonomi Syariah Vol. 10 No. 1 (2025): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v10i1.1776

Abstract

The aims of this study are to see whether or not digital literacy, security, and brand image are affected by customer interest in using Muamalat DIN. This research is based on the use of the Muamalat DIN application issued by Bank Muamalat which is few about only around 37% of all customers in a Sub Branch. This type of research is quantitative research with a SEM-PLS approach and the primary data is the data used in this study which was obtained from the distribution of questionnaires and online to customers of Bank Muamalat Sub Branch Boyolali. The sample of this study was taken using a simple random sampling technique and the Taro Yamane formula was used to calculate the number of samples used. The results of the study show that digital literacy does not have a significant effect on customer interest in using Muamalat DIN at Bank Muamalat Sub Branch Boyolali. Meanwhile, security and brand image have a significant effect on customer interest in using Muamalat DIN at Bank Muamalat Sub Branch Boyolali.
THE EFFECT OF ISLAMIC CORPORATE SOCIAL RESPONSIBILITY ON FINANCIAL PERFORMANCE AND REPUTATION OF ISLAMIC BANKS IN INDONESIA Alif Maulana Bachtiar; Abdullah, Agung
Jurnal Dinamika Ekonomi Syariah Vol 12 No 2 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Institut Agama Islam Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i2.1528

Abstract

This study purpose to determine the influence of ICSR on financial performance and reputation of Islamic commercial banks in Indonesia on period 2019-2023. This study reveals how much impact the implementation of ICSR has on Islamic banks. The data sourced from annual reports of Islamic banks, this study uses multiple linear regression models. The number of samples in this study is 9 Islamic commercial banks registered by Indonesia Financial Service Authority (OJK). By using SPSS 23 software analysis tools, the result is ICSR has significantly affect the reputation of Islamic banks due to their foundational principles to contribute to the society in accordance to the principles of Islamic philanthropy. But the financial performance variable, ICSR showed no significant influence due of performance because of performance for some reason which could relate to ICSR initiatives focused on Islamic Phylantropi based aspects, does not directly affect financial metrics (profitability, ROA) and focus on short-term financial data, missing the delayed payoff of ICSR. This research takes a more actual observation year than the previous research and uses more accurate indicators in accordance with the regulations of the regulators.
PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING RATIO (NPF), FINANCING TO DEPOSIT RATIO (FDR), DAN INFLASI TERHADAP RETURN ON ASSETS (ROA) BANK MEGA SYARIAH TAHUN 2016 – 2023 Mustaslimah, Aisa; Abdullah, Agung
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1206

Abstract

This research is research to determine the effect of CAR, NPF, FDR, and inflation in Bank Mega Syariah return on assets (ROA) in 20, This research is quantitative research with secondary data, obtained from Bnak Mega Syariah quarterly financial report in 2016 – 2023. The research uses a purposive sampling technique for sampling, the sample used in this research is quarterly financial report data consisting of 32 CAR data, 32 NPF data, 32 FDR data and 32 inflation statistics for quarterly months data in 2016 – 2023 data Analysis techniques in research use quantitative analysis techniques using Eviews Software to process data. The result showed that the Capital Adequacy Ratio (CAR), Non Performing Ratio (NPF) and Inflation do not affect Return On Assets (ROA), only Financing to Deposit Ratio (FDR) affects Return On Assets (ROA).
THE EFFECT OF ISLAMIC CORPORATE SOCIAL RESPONSIBILITY ON FINANCIAL PERFORMANCE AND REPUTATION OF ISLAMIC BANKS IN INDONESIA Alif Maulana Bachtiar; Abdullah, Agung
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 2 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i2.1528

Abstract

This study purpose to determine the influence of ICSR on financial performance and reputation of Islamic commercial banks in Indonesia on period 2019-2023. This study reveals how much impact the implementation of ICSR has on Islamic banks. The data sourced from annual reports of Islamic banks, this study uses multiple linear regression models. The number of samples in this study is 9 Islamic commercial banks registered by Indonesia Financial Service Authority (OJK). By using SPSS 23 software analysis tools, the result is ICSR has significantly affect the reputation of Islamic banks due to their foundational principles to contribute to the society in accordance to the principles of Islamic philanthropy. But the financial performance variable, ICSR showed no significant influence due of performance because of performance for some reason which could relate to ICSR initiatives focused on Islamic Phylantropi based aspects, does not directly affect financial metrics (profitability, ROA) and focus on short-term financial data, missing the delayed payoff of ICSR. This research takes a more actual observation year than the previous research and uses more accurate indicators in accordance with the regulations of the regulators.
Flexing dalam Pandangan Islamic Behavioral Finance Utami, Wida; Abdullah, Agung
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9206

Abstract

Flexing or a narcissistic behavior by showing off the wealth its really happened a lot lately on social media. Flexing is an interesting topic of conversation among the public. Sometimes flexing is the behavior to made a perspectives done by fake rich people. This study is aims to determine the flexing behavioral on Islamic economics perspective. The method in this study is qualitative, with the analysis on a phenomenological approach. In this study it was found that flexing is prohibited in Islam Economic perspective. Flexing is done by fake rich people to show their existence or to gain recognition from others. People who are truly wealthy tend to exhibit good financial behavior and are able to live simply without spending too much money. In Islam, it is recommended to live a simple and balanced life and not to waste wealth in order to fulfill desires. Islam also encourages its people to prioritize saving rather than using their finances to fulfill desires rather than needs, such as being more concerned with saving, investing, or helping people who are experiencing difficulties by zakah, infaq and sedekah. Therefore, financial intelligence is very important for every individual in order to avoid the behavior of showing off wealth. Financial intelligence is related to knowledge, behavior in managing, using assets so that they become more blessed and do not violate sharia provisions.
PENGARUH STRATEGI MARKETING MIX TERHADAP MINAT MASYARAKAT MEMBELI PRODUK CICIL EMAS PADA BANK SYARIAH Agustin, Ananda Rinda; Abdullah, Agung
NISBAH: Jurnal Perbankan Syariah Vol. 11 No. 2 (2025): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v11i2.22795

Abstract

Riset ini berfokus pada evaluasi pengaruh bauran pemasaran terhadap atensi masyarakat Surakarta dalam memilih produk Cicil Emas Syariah di lembaga perbankan Bank Syariah Indonesia (BSI) dan Bank Muamalat. Latar belakang penelitian adalah meningkatnya kebutuhan masyarakat akan instrumen investasi yang aman seperti emas, di tengah isu inflasi dan potensi resesi global. Teknik pengumpulan data dilakukan secara digital kepada 200 subjek di Surakarta melalui instrumen kuesioner. Penelitian ini menggunakan desain kuantitatif dan metode non-probability sampling, khususnya jenis purposive sampling. Data dianalisis menggunakan regresi linier berganda dengan alat bantu SPSS 25. Hasil penelitian menunjukkan bahwa secara simultan, variabel marketing mix berpengaruh signifikan terhadap minat membeli di kedua bank. Namun secara parsial, terdapat perbedaan: Pada BSI, variabel Product, Price, Promotion, dan People berpengaruh positif dan signifikan, sedangkan Place, Process, dan Physical Evidence tidak signifikan. Pada Bank Muamalat, variabel Product, People, dan Physical Evidence berpengaruh positif dan signifikan, sementara Price, Place, Promotion, dan Process tidak menunjukkan pengaruh yang signifikan. Implikasi dari temuan ini menekankan pentingnya strategi marketing mix yang berbeda untuk masing-masing bank. BSI perlu mempertahankan keunggulan produk, harga kompetitif, dan promosi yang efektif, serta kualitas SDM. Sementara Bank Muamalat disarankan lebih fokus pada penguatan kualitas produk, pelayanan SDM, dan bukti fisik kantor, serta perlu meningkatkan strategi promosi dan penyederhanaan proses transaksi untuk meningkatkan minat masyarakat.
PENGARUH AKSEPTABILITAS, AFORDABILITAS, AKSESIBILITAS TERHADAP KEPUTUSAN NASABAH PELAKU UMKM DALAM PEMBIAYAAN SYARIAH Fatimah, Nurul; Abdullah, Agung
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 9 No 4 (2025): IJEBAR, VOL. 09 ISSUE 04, DECEMBER 2025
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v9i4.19026

Abstract

This study aims to analyze the influence of acceptability, affordability, and accessibility on the decisions of MSME customers to use Sharia financing at BPRS Hikmah Khazanah in Joyotakan Village. The study employed a quantitative approach with a causal method, collecting data through a questionnaire from 150 respondents. The data were analyzed using multiple linear regression, following initial testing for validity, reliability, and classical model assumptions. The results showed that all three independent variables had a significant influence on customer decisions simultaneously. However, only affordability and accessibility had a positive and considerable influence, to some extent. Affordability was the dominant factor influencing decisions, followed by accessibility (ease of procedures and services). Meanwhile, acceptability (compliance with Sharia principles) showed to have a partial, non-significant effect.   These findings suggest that the primary considerations of MSMEs are pragmatic, such as affordable costs and accessible services, rather than normative considerations of Sharia compliance. The implication of this research is the importance of BPRS to focus more on policies that simplify procedures, provide clear information, and offer competitive cost schemes to increase interest and decision-making on sharia financing among MSMEs. Keywords: Acceptability, affordability, accessibility, customer decision.
PENGARUH STRATEGI PROMOSI, PERSEPSI DAN FLUKTUASI HARGA EMAS TERHADAP KEPUTUSAN NASABAH MENGGUNAKAN PRODUK CICIL EMAS SOLEH PADA BANK MUAMALAT: (Studi Kantor Cabang Bank Muamalat Karanganyar) Griseldawati, Annisa; Abdullah, Agung
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 1 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i1.18811

Abstract

The most number of expansion Islamic banking in Indonesia encourages financial institutions to innovate in offering investment products based on real assets such as gold instalment schemes. In this context, Bank Muamalat as the first Islamic Bank in country, introduced the Solusi Emas Hijrah (SOLEH) product as an alternative for customers who want to own gold gradually in accordance with sharia principles. This research aims to reveal what strategies will be used by banks to get consumers, because almost all Islamic banks also offer similar products. The result showed the influence of Promotion Strategy, Perception, and Gold Price Fluctuations on Customer Decisions to Use the Gold Installment Product, Solusi Emas Hijrah (SOLEH) at Bank Muamalat is positive and significant.
Co-Authors Agustin, Ananda Rinda Alif Maulana Bachtiar ardiyansyah, Muhammad Budi Sukardi Cipto Sembodo Fattah Setiawan Santoso Fuad Dhiya Ul Husaen Griseldawati, Annisa Khairul Imam Lelyta Dewi Candra M.N.K Al Amin Muhammad Khozin Ahyar Muis Zunanto Mustaslimah, Aisa Muthmainnah Muthmainnah Nurul Fatimah Rahmalia Indah Pratiwi Rizka Awaliya Nur Azizah Ulfa, Dita Camelia Utami, Wida Wida Utami Yulianti, Nanda