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All Journal MALIA: Journal of Islamic Banking and Finance Indonesian Journal of Islamic Business and Economics (IJIBE)
Diana, Azka Nur
Unknown Affiliation
Religion Economics, Econometrics & Finance Social Sciences

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Intention of MSME in Rural Area Using Sharia Financing: The Influence of Sharia Financial Literacy, Entrepreneurial Characteristics, and Business Characteristics Raharja, Mahardhika Cipta; Fahya, Angelliana Nur; Diana, Azka Nur
Indonesian Journal of Islamic Business and Economics (IJIBE) Vol 7 No 1 (2025): IJIBE
Publisher : Islamic Economic Scholar Association and Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.ijibe.2025.7.1.13043

Abstract

This study aims to determine the effect of sharia financial literacy, entrepreneurial characteristics and business characteristics on intention in using sharia financing. this research is a quantitative study with data collection techniques through distributing questionnaires to respondents. The population in this study are MSME players in the Purwokerto area who know about sharia financing. The sampling technique used Accidental Sampling technique with 110 respondents. Data processing in this study used multiple linear regression analysis using the SPSS program. Based on the results of the study, it can be concluded that sharia financial literacy has no effect on intention in using sharia financing with a significant value of 0.128 > 0.05. Entrepreneurial characteristics affect the intention in using sharia financing with a significant value of 0.006 < 0.05. And business characteristics have no effect on intention in using sharia financing with a significant value of 0.069 > 0.05.
Digitalization, Banking Performance, and Sharia Supervisory Board Efficiency: Evidence from Indonesian Islamic Commercial Banks Meliana, Rini; Puspita, Meliana Dwi; Diana, Azka Nur; Qur'an, Amanah Aida; Mawardi, Mawardi
MALIA: Journal of Islamic Banking and Finance Vol 10, No 2 (2026): MALIA: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v10i2.38005

Abstract

The massive digital transformation in the Islamic banking industry has fundamentally changed the operational and supervisory landscape of Islamic banking. Furthermore, Islamic banking performance, measured through financial indicators and Islamic compliance, is a crucial factor in determining the complexity of supervision required by the SSB. The efficiency of SSB is crucial given its role as the guardian of the enforcement of Islamic principles in every bank product and operation. This study aims to examine and analyze the influence of digitalization and Islamic banking performance (bank size, leverage, bank age, and profitability) on the efficiency of SSB. Digitalization is operationalized using a text-mining approach applied to bank annual reports, while SSB efficiency is measured through a disclosure score derived from the content of SSB reports. Using a quantitative approach, this research investigates how digitalization and banking performance influence SSB efficiency. Panel data regression via EViews 25 was employed to analyze 40 sampled Islamic commercial banks registered with the OJK during 2019–2024. The results indicate that digitalization, bank size, leverage, and profitability do not significantly on the efficiency of the SSB. However, bank age significantly influences the efficiency of the SSB. Simultaneously, digitalization, bank size, leverage, bank age, and profitability significantly on the efficiency of SSB. Practically, these findings suggest that Islamic banks should prioritize the accumulation of institutional experience and the strengthening of SSB member competence over reliance on digital infrastructure alone when designing sharia supervision mechanisms.
Co-Authors Fahya, Angelliana Nur Mawardi Meliana, Rini Puspita, Meliana Dwi Qur'an, Amanah Aida Raharja, Mahardhika Cipta