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All Journal JIET (Jurnal Ilmu Ekonomi Terapan) IJABAH: Indonesian Journal of Sharia Economics Business and Halal Studies
Alaika, Rochmatulloh
Unknown Affiliation
Economics, Econometrics & Finance

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Faktor-Faktor yang Memengaruhi Minat Nasabah Menggunakan Aplikasi BMT NU-QIMAH Dengan Model Technology Acceptance Model (TAM) Isnani, Wakik; Alaika, Rochmatulloh
IJABAH Vol. 2 No. 1 (2024): IJABAH
Publisher : UPT Penerbitan Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ijabah.v2i1.772

Abstract

This research was conducted with the aim of finding out what factors can influence customer interest in using the BMT NU-Q application, so this research tries to identify using a technology acceptance model, namely the Technology Acceptance Model by selecting the variables ease of use, usefulness, security and promotion in influencing customer interest in using the BMT NU-Q application. This study uses a quantitative approach. The population in this research is the BMT NU Cermee Branch customers who use the BMT NU-Q application, namely 184 customers, while the sample was determined at 114 respondents. The data source in this research is primary data. The data analysis method used is multiple linear regression analysis. The results of this research indicate that partially ease of use does not have a significant effect on customer interest in using the BMT NU-Q application. Usefulness has a significant effect on customer interest in using the BMT NU-Q application. Security also has a significant effect on customer interest in using the BMT NU-Q application. And promotions also have a significant effect on customer interest in using the BMT NU-Q application. Meanwhile, simultaneously ease of use, usefulness, security and promotion have a significant effect on customer interest in using the BMT NU-Q application.
Does Financial Risk Matter for Financial Performance in Sharia Banks? Amijaya, Rachmania Nurul Fitri; Alaika, Rochmatulloh
Jurnal Ilmu Ekonomi Terapan Vol. 8 No. 1 (2023)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jiet.v8i1.44675

Abstract

This study seeks to examine the impact of operational, liquidity, and credit risks on financial performance (ROA) at national Islamic commercial banks from 2015 to 2021. The model includes control variables such as technological risk (E-Banking) and macroeconomic variables (BI rate and inflation). This study used seven national Islamic banking businesses as examples. This work employs the panel data regression technique to investigate a mixture of time series from 2015 to 2021. In this study, the independent variables are credit risk as measured by Non-Performing Finance (NPF), liquidity risk as measured by Finance to Deposit Ratio (FDR), operational risk as measured by Operations Expenses to Operations Income (BOPO), and performance bank finances as measured by Return on Assets (ROA). According to the study's findings, the variable credit risk (NPF), operational risk (BOPO), and technological risk (E-Banking) all significantly and negatively affect financial performance (ROA). Meanwhile, neither liquidity risk nor inflation has a significant positive impact on financial performance (ROA). Furthermore, the BI rate has a negative, but not statistically significant, impact on financial performance (ROA).
Co-Authors Isnani, Wakik Rachmania Nurul Fitri Amijaya