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Pengaruh Sukuk Korporasi dan Inflasi Terhadap Profitabilitas Bank Umum Syariah Selama Pandemi Covid-19 Ana Fidatul Qulub; Muhammad Alan Nur; Budi Sukardi
Jurnal Ekonomika dan Bisnis Islam Vol 6 No 2 (2023): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v6n2.p101-113

Abstract

The Covid-19 pandemic has had an impact on various sectors including the economy. In the Islamic capital market with corporate sukuk instruments, it shows an increase in the total outstanding value of 42%, while in Islamic Commercial Banks it shows an increase in ROA of 0.12%, both of which recorded growth. Supposedly, as an institution looking for investors the relationship they have is negative. On the other hand, the inflation rate in Indonesia during the pandemic has also increased quite high. So this study aims to examine the effect of corporate sukuk and inflation on the ROA of Islamic Commercial Banks during the Covid-19 pandemic. This research is a quantitative study using samples from January 2020-December 2022 with the help of e-views 12 software. Based on the results of the analysis, only corporate sukuk have a significant positive effect on Return on Assets of Islamic Commercial Banks, while inflation is not significant. Simultaneously, both have a significant positive effect on the Return on Assets (RO) of Islamic Commercial Banks. So for Islamic Commercial Banks it is necessary to pay attention to the existence of corporate sukuk and the inflation rate because it has an impact on ROA which will ultimately have an impact on the performance of the banking itself.
ADOPTION OF USER SATISFACTION WITH THE UTAUT2 MODEL IN USING INDONESIA SHARIA MOBILE BANKING Anggi Puspita Sari; Budi Sukardi; Muhammad Kurnia Rahman Abadi
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 7 No 1 (2024): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v7i1.8165

Abstract

Indonesia has a large number of internet users, which at the very least indicates its enormous digital potential. Banks and other financial institutions are benefiting from improved digital offerings. This study strengthens literacy and inclusion as an effective strategy for strengthening the effects of the integrated UTAUT2 construct model with user satisfaction using Islamic mobile banking applications. Quantitative research type, with a research sample of 206 respondents as the primary data source using a questionnaire survey. Data analysis using partial regression analysis (PLS-SEM). The results prove that several factors have a positive and significant effect, namely the variables of behavioral intention, facilitating conditions, habit on user behavior and habit, hedonic motivation, and user satisfaction on behavioral intention. On the other hand, some variables do not affect, namely the variables of performance expectancy, effort expectancy, facilitating conditions, price value, and social influence on behavioral intention.