cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Muhammad Syahrul Kahar
Contact Email
Muhammad Syahrul Kahar
Phone
-
Journal Mail Official
raisdera207@gmail.com
Editorial Address
-
Location
Kota sorong,
Papua barat
INDONESIA
SENTRALISASI
Published by Universitas Muhammadiyah Sorong
ISSN : 19797567     EISSN : 26144328     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
entralisasi (Journal of Economic Science/Jurnal Ilmu-Ilmu Ekonomi)is scientific peer-reviewed journal published by faculty of Economic, Universitas Muhammadiyah Sorong, Indonesia. Since estabilished in 2012, Sentralisasi is intended to provide a medium for dissemination of original and quality research on various topic in look the Focus and Scope and other related fields to be published two times a year (January and June). Sentralisasi issue consist Economic, Development Economic, Bussines, Social Economic, Acounting, Islamic Economic, Management, Human Resource Management and Entrepreneurship.
Arjuna Subject : -
Articles 254 Documents
 22   23   24   25   26 
Resilience of the Financial Performance of the Islamic Banking Industry in Indonesia to the Crisis Esaputra, Ahmad Baihaqi; Majduddin, Rangga Dhia; Herlian, Erwin; Al-Afif, Rafiq Azzam; Indrasto, Haryo Bimo Budi; Nugroho, Jodi Setyo
SENTRALISASI Vol. 15 No. 2 (2026): May
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i2.5468

Abstract

This study examines the financial resilience of Islamic banking in Indonesia by comparing Bank Umum Syariah (BUS) and Unit Usaha Syariah (UUS) in responding to macroeconomic shocks during January 2015 until December 2023. A composite resilience index is constructed using a z-score approach that integrates profitability and leverage indicators. The Autoregressive Distributed Lag (ARDL) model is employed to capture short-run and long-run dynamics between resilience and its determinants, including total assets, third-party funds, inflation, the Bank Indonesia policy rate, and the COVID-19 shock. The results confirm long-run cointegration for both BUS and UUS, with notable differences in adjustment patterns. BUS demonstrates stronger structural resilience supported by asset scale, whereas UUS exhibits higher sensitivity to monetary tightening. Risk mapping further reveals latent vulnerabilities within the dual banking system. These findings highlight the need for differentiated supervision and a more selective approach in evaluating the readiness of UUS transformation into full-fledged Islamic banks.
The Influence of Perceived Usefulness, Ease of Use, and Sharia Financial Literacy on QRIS Users: A Case Study of UINSU Student MSMEs Temuju, Mas Imam; Imsar, Imsar; Rahmani, Nur Ahmadi Bi
SENTRALISASI Vol. 15 No. 2 (2026): May
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i2.5356

Abstract

The purpose of this study is to examine how MSME actors who are UINSU students use QRIS in relation to perceived utility, perceived ease of use, and Islamic financial knowledge. 26,512 current students from the 2022 cohort make up the research population, and 100 responders were chosen proportionately from each faculty. The approach used is quantitative with SEM-PLS to test causal relationships between variables. The study's findings indicate that while Islamic financial literacy has no discernible impact on QRIS adoption, perceived utility and simplicity of use do. Perceived usefulness is the most dominant factor because students feel the efficiency of transactions, ease of record-keeping, and increased business professionalism. Perceived ease of use also plays an important role in reducing technological barriers. On the contrary, Islamic financial literacy has not yet become a determinant of usage. The implication is that the adoption of QRIS needs to be focused on strengthening benefits and convenience as well as more practical and contextual Islamic financial learning. 
From Financial Literacy to Financial Behavior: The Mediating Role of Behavioral Intention Among Generation Z University Students Rita Kusumawati; Ningrum, Nabilah Cahya
SENTRALISASI Vol. 15 No. 2 (2026): May
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i2.5452

Abstract

This study aims to analyze the effect of financial literacy and financial attitudes on financial behavior, mediated by behavioral intentions, among Management students at Muhammadiyah University Yogyakarta. The subjects in this study were active students enrolled in the Management program at Muhammadiyah University Yogyakarta. In this study, the sample consisted of 340 respondents selected through purposive sampling. The analysis tool used was SmartPLS 4.1.1.4 software. Based on the analysis, it was found that financial literacy and financial attitudes had a positive and significant effect on financial behavior. Behavioral intention significantly mediated the effect of financial literacy and financial attitudes on financial behavior. 
The Role of Risk Tolerance in Linking Psychological Biases and Financial Literacy to Gen Z Stock Trading Frequency Efendi, M Zaenal; Fitriyah, Fitriyah
SENTRALISASI Vol. 15 No. 2 (2026): May
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i2.5593

Abstract

Positioning risk tolerance as a mediating variable, this study investigates the extent to which overconfidence, optimism bias, and financial literacy shape stock trading frequency among Generation Z investors in Malang City. A quantitative approach with an explanatory design was employed, with purposive sampling used to select 100 respondents. Data were gathered through a questionnaire instrument and subsequently analyzed using SmartPLS 4.0 software via SEM-PLS method. The results indicate that overconfidence, optimism bias, and financial literacy all bear a positive and significant influence on risk tolerance. Interestingly, not one of these three variables was found to produce a direct effect on stock trading frequency. Risk tolerance was demonstrated to serve as a full mediator in the relationship between the independent and dependent variables, while at the same time yielding a significant positive effect on trading frequency. These findings point to the conclusion that the trading behavior of Generation Z investors in Malang City is governed far more by their individual level of risk tolerance than by psychological or cognitive factors operating in isolation. 

Page 26 of 26 | Total Record : 254

 22   23   24   25   26 

Filter by Year

2016 2026


Reset
Filter By Issues
All Issue Vol. 15 No. 2 (2026): May Vol. 15 No. 1 (2026): January Vol. 14 No. 3 (2025): September Vol. 14 No. 2 (2025): May Vol. 14 No. 1 (2025): January Vol. 13 No. 3 (2024): Sentralisasi Vol. 13 No. 2 (2024): Sentralisasi Vol. 13 No. 1 (2024): Sentralisasi Vol. 12 No. 2 (2023): Sentralisasi Vol. 12 No. 1 (2023): Sentralisasi Vol. 11 No. 2 (2022): Sentralisasi Vol 11, No 1 (2022): Sentralisasi Vol. 11 No. 1 (2022): Sentralisasi Vol 10, No 2 (2021): Sentralisasi Vol. 10 No. 2 (2021): Sentralisasi Vol. 10 No. 1 (2021): Sentralisasi Vol 10, No 1 (2021): Sentralisasi Vol 9, No 2 (2020): Sentralisasi Vol. 9 No. 2 (2020): Sentralisasi Vol 9, No 1 (2020): Sentralisasi Vol. 9 No. 1 (2020): Sentralisasi Vol. 8 No. 2 (2019): Sentralisasi Vol 8, No 2 (2019): Sentralisasi Vol 8, No 1 (2019): Sentralisasi Vol. 8 No. 1 (2019): Sentralisasi Vol 7, No 2 (2018): Sentralisasi Vol. 7 No. 2 (2018): Sentralisasi Vol 7, No 1 (2018): Sentralisasi Vol. 7 No. 1 (2018): Sentralisasi Vol 5, No 2 (2016): Sentralisasi Vol. 5 No. 2 (2016): Sentralisasi More Issue