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All Journal JESI (Jurnal Ekonomi Syariah Indonesia) The Indonesian Journal of Islamic Economics Research
Diyah Ariyani
UIN Salatiga
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Performance of Murabahah Financing in Islamic Commercial Banks in Indonesia: Analysis of Influencing Factors Diyah Ariyani; Fitria Wahyuningtyas
JESI (Jurnal Ekonomi Syariah Indonesia) Vol. 15 No. 1 (2025)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/jesi.2025.15(1).69-90

Abstract

Introduction: The importance of the role of Islamic banks in Indonesia makes Islamic banks need to improve their performance so that banking with Islamic principles remains healthy and efficient. with good performance accompanied by Islamic governance, it will increase public trust in banks so that the financing distributed will increase. This study aims to test: (1) the effect of NPF, FDR, CAR. and ROA on Murabahah Financing, (2) the effect of ICG as a moderating variable of the relationship between NPF, FDR, CAR and ROA on Murabahah Financing.Reseach Methods: This study uses quantitative data types, the population used is all Islamic Commercial Banks registered with the OJK in 2015-2023. In this study, the sampling technique was determined using purposive sampling and 10 bank samples were obtained during 2015-2023, and the data source used was secondary data. This study uses multiple linear regression analysis techniques.Finding: The results of this study show: (1) the influence of NPF and FDR has a negative but insignificant influence on Murabahah Financing, (2) the influence of CAR has a positive but insignificant influence on Murabahah Financing, (3) the influence of ROA has a negative but significant influence on Murabahah Financing, (4) ICG is unable to moderate the relationship between NPF and FDR on Murabahah Financing, (5) ICG is able to moderate the relationship between CAR and ROA on Murabahah Financing.Conclusion: These results confirm that certain financial performance and sharia governance play an important role in influencing the distribution of murabahah financing in Sharia Commercial Banks in Indonesia.
E-Zakat in the digital era: A study on the determinants of usage intention based on UTAUT and TAM Diyah Ariyani; Heri Kurniawan; Bayu Nurhadi
Indonesian Journal of Islamic Economics Research Vol. 6 No. 1 (2024)
Publisher : Faculty of Islamic Economics and Business UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/ijier.v5i1.618

Abstract

This study aims to analyze the factors that influence the intention to use the E-Zakat service with the UTAUT (Unified Theory of Acceptance and Use of Technology) and TAM (Technology Acceptance Model) approach. This research also analyzes the acceptance and use of technology towards an individual's interest in using the E-Zakat service. This study uses a quantitative method with the SmartPLS version 3 analysis tool. The data used is primary data by distributing questionnaires to 100 sample respondents. The results showed that there is a significant influence between the acceptance and use of technology on an individual's interest in using the E-Zakat service.
Co-Authors Bayu Nurhadi Fitria Wahyuningtyas Heri Kurniawan