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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Isni Andriana Isni Andriana
Universitas Sriwijaya
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Analisis Pengaruh Lingkungan Sosial dan Financial Knowledge terhadap Minat Menggunakan Produk-produk Investasi Syariah: Studi Santri Siswa SMA IT Raudhatul Ulum Sakatiga Indralaya Lisdayanti Hidayat Lisdayanti Hidayat; Isni Andriana Isni Andriana; Muizzudin Muizzudin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i5.950

Abstract

This study aims to analyze the influence of the social environment and financial knowledge on interest in using sharia investment products (study of students of Raudhatul Ulum Sakatiga Indralaya IT High School). This study used quantitative methods with questionnaires as research instruments. The population in this study amounted to 331 students with a sample of 182 respondents taken using the Non-Probability Sampling method with quota sampling techniques. The data analysis technique used in this study is multiple linear regression. Based on the results of the analysis, it is concluded that the social environment and financial knowledge have a positive and significant effect on the interest in using Islamic investment products.
Pengaruh Tingkat Literasi Keuangan Syariah terhadap Kinerja Karyawan Bank Sumsel Babel KC Syariah Palembang Pini Julistiana Pini Julistiana; Isni Andriana Isni Andriana; Shelfi Malinda Shelfi Malinda
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i5.951

Abstract

The purpose of this study was to determine the effect of the level of Islamic financial literacy on employee performance with the research object being employees of the Sumsel Babel Bank, Sharia Branch Office Palembang. This study uses a saturated sample technique. Questionnaires were distributed to 41 employees of Sumsel Babel Bank, Sharia Branch Office Palembang. Data were analyzed using SPSS. The results of the study show that Islamic financial literacy has no significant effect on employee performance.
Faktor-faktor yang Mempengaruhi Risiko Bank pada Bank Komersial di ASEAN Muhammad Ilham Nurdin Muhammad Ilham Nurdin; Isni Andriana Isni Andriana; Mu’izzuddin Mu’izzuddin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i5.996

Abstract

This study aims to determine the effect of Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Operational Efficiency (BOPO), Inflation dan Exchange Rates to Non Performing Loan (NPL). The number of samples in this study is 151 commercial banks in ASEAN which fulfills the sample criteria based on purpoosive sampling method. This study take place over a periode of year 2013-2022. The research method used is data panel regression with Feasible Generalized Least Square estimation. The result of the analysis show that LDR, Inflation and Exchange Rates have negative effect on NPL. CAR and BOPO have a significant positive effect on NPL.
Pengaruh Literasi Keuangan terhadap Perilaku Keuangan dengan Sikap Keuangan Sebagai Variabel Intervening Mahasiswa Fakultas Ekonomi Universitas Sriwijaya Sendi Marcelleo Arkan Sendi Marcelleo Arkan; Marlina Widiyanti Marlina Widiyanti; Fida Muthia Fida Muthia; Isni Andriana Isni Andriana
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i5.998

Abstract

The purpose of this study was to find out whether financial literacy has an influence on students' financial behavior with financial attitudes as an intervening or mediating variable. The sampling technique used purposive sampling so that 100 samples were obtained which were students of the Faculty of Economics, Sriwijaya University. This research is a descriptive research with primary data. Data processing was carried out using the Partial Least Square analysis model with the help of WarpPLS 7.0 for windows. This study uses a measurement model (Inner model) and a Structural model (Outer model). The results of the hypothesis test show that (1) Financial Literacy has a direct effect on Financial Behavior, (2) Financial Literacy has a direct effect on Financial Attitudes, (3) Financial Attitudes has a direct effect on Financial Behavior, (4) Financial Attitudes are proven to fully mediate the effect of Financial Literacy on Financial Behavior.
Co-Authors Fida Muthia Fida Muthia Lisdayanti Hidayat Lisdayanti Hidayat Marlina Widiyanti Marlina Widiyanti Muhammad Ilham Nurdin Muhammad Ilham Nurdin Muizzudin Muizzudin Mu’izzuddin Mu’izzuddin Pini Julistiana Pini Julistiana Sendi Marcelleo Arkan Sendi Marcelleo Arkan Shelfi Malinda Shelfi Malinda