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All Journal Jurnal Ilmiah Edunomika (JIE) PARETO : Jurnal Ekonomi dan Kebijakan Publik
Septyana, Mutiara
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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PENGARUH FEE BASED INCOME TERHADAP PROFITABILITAS PADA BANK MUAMALAT INDONESIA PERIODE 2012-2022 Septyana, Mutiara; Asnaini, Asnaini; Fryanti, Yunida Een
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 2 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i2.12876

Abstract

One of the indicators used to measure the performance of a company and measure the amount of profit so that it is used efficiently is to look at the profitability ratio. In terms of profitability, the ratio most often used is Return On Assets (ROA), which measures the ability of bank management to obtain overall profits. The greater the Return On Assets (ROA) of a bank, the greater the level of profit achieved by the bank. The aim of this research is to find out how Fee Based Income influences Bank Muamalat Indonesia's profitability in 2012-2022. This research uses a quantitative approach with data in the form of numbers which will be analyzed and tested using SPSS. The method used is a simple linear regression analysis method, this method is used to determine the influence of Fee Based Income on the Profitability of Bank Syariah Indonesia. The data used is secondary data, namely a time series obtained from Bank Muamalat Indonesia financial report data for 2012-2022. The results of this research indicate that there is no significant influence of the Fee Based Income variable partially on the profitability of Bank Muamalat Indonesia.
PERSEPSI DAN PREFERENSI GENERASI Z TERHADAP APLIKASI MOBILE BANKING SYARIAH DI ERA DOMINASI FINTECH KONVENSIONAL Septyana, Mutiara; Yunus, Fatimah; Sunarti, Gustiya
PARETO : Jurnal Ekonomi dan Kebijakan Publik Vol. 8 No. 2 (2025): PARETO
Publisher : Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/m64q2s19

Abstract

This study aims to analyze Generation Z's perceptions and preferences regarding the use of sharia-compliant mobile banking applications amidst the dominance of conventional fintech. Using a descriptive qualitative approach, the study involved 10 Generation Z informants selected through purposive sampling. Data were collected through interviews, observation, and documentation, then analyzed using the Miles and Huberman model, which includes data reduction, data presentation, and conclusion drawing. The results show that Generation Z has a positive perception of sharia-compliant mobile banking, especially in terms of security and sharia compliance. However, their preference for conventional fintech is more dominant because it offers convenience, fast transactions, extensive integration with various digital platforms, and economic benefits such as cashback and promotions. This study also found a value-behavior gap, namely the difference between the understanding of sharia values ​​and the practice of using digital financial applications.
Co-Authors Asnaini Asnaini, Asnaini Fryanti, Yunida Een Sunarti, Gustiya Yunus, Fatimah