Jurnal Keuangan dan Perbankan Syariah

The Influence Of Digital Financial Literacy And Digital Transaction Risks On Smes' Interest In Transacting Using Qris

Fiqri Maulana Firdaus — 2025-07-01

This study aims to analyze the influence of digital financial literacy and digital transaction risk on the interest of Micro, Small, and Medium Enterprises (MSMEs) in transacting using QRIS (Quick Response Code Indonesian Standard). QRIS is one of the digital payment tools that is increasingly popular in Indonesia because of its convenience. However, the adoption of this technology still faces various challenges, such as low digital financial literacy and concerns about the risks of digital transactions. This study uses a quantitative approach with a survey method for MSME actors in the Perumnas Market, Cirebon City. The data was analyzed using multiple linear regression to determine the relationship between digital financial literacy, digital transaction risk perception, and interest in using QRIS.

The results of the study show that digital financial literacy has a positive and insignificant effect on MSMEs' interest in using QRIS. The higher the digital financial literacy, the greater the interest of MSME actors in using QRIS. On the other hand, the risk of digital transactions has a positive and significant influence on interest in using QRIS. MSME actors who feel that the risk of digital transactions is high tend to be reluctant to use QRIS. The implications of this study are the importance of increasing digital financial literacy for MSME actors and the need for digital transaction risk management to increase the adoption of QRIS as a means of payment.

Keywords: Digital financial literacy, digital transaction risk, user interest, MSMEs, QRIS.

Factors Influencing Sharia Banking Students of IAIN Ponorogo Class of 2020 Not Using Sharia Banks as the Main Media for Financial Transactions

Resya Adika Putri — 2025-07-01

Sharia banks were founded because Muslim people wanted to make transactions without fear of
usury. In fact, we still find Muslim people who still use conventional banks, including Islamic banking
students. This research aims to find out what factors influence Islamic Banking students at IAIN
Ponorogo Class of 2020 not to use Islamic banks as the main medium for financial transactions. This
research method is quantitative. Data collection techniques through questionnaires for active students
majoring in Sharia Banking, Class of 2020, IAIN Ponorogo. The sampling technique used a simple
random sampling technique with the Slovin formula, so a sample of 66 respondents was found. Data
processing and analysis techniques use validity, reliability, classical assumption tests, multiple
regression tests, and hypothesis tests using IBM SPSS 27. The results of this research are that the facility
variable has a positive and significant effect with a sig value of 0.002 < 0.05, the service quality variable
has a positive effect and significant with a sig value of 0.000 < 0.05, and the location variable has a
positive and significant effect with a sig value of 0.003 < 0.05. Facilities, service quality and location
variables simultaneously has a significant influence on the decision of IAIN Ponorogo Sharia Banking
students Class of 2020 not to use sharia banks as the main medium for financial transactions with a sig
value of 0.000 < 0.05.

ANALISIS PENGARUH NILAI DAN RATING SUKUK TERHADAP RETURN SAHAM: PENDEKATAN EMPIRIS PADA EMITEN MANUFAKTUR DI BEI 2020–2024

Dini Lestary — 2025-07-01

Purpose: This study aims to find out how the influence of the value of sharia bond issuance and the rating of sharia bond issuance on stock returns.

Design/methodology/approach: The population in this study is manufacturing companies that issue sharia bonds and are listed on the Indonesia Stock Exchange in 2020-2024. The sample selection in this study used purposive sampling. Based on the criteria in the sample selection, 45 sharia bond issuances were obtained from 9 manufacturing companies that issued sukuk on the Indonesia Stock Exchange as the final sample. Data collection is obtained from the annual report and the company's website is then analyzed by multiple regression analysis of panel data.

Research Findings: The results of this study show that from the results of the calculation of the value variable and the issuance rating affect the stock return, and the results of the calculation test get a significant value of 0.021881 less than 0.05, so it is understood that the variable and the issuance rating have an effect on the stock return as well as the result of the determination coefficient where the adjusted R-squared value of 87.5306% shows that the independent variable is able to explain the independent variable, namely the stock return.

Contribution/Originality/Novelty: the variable and the issuance rating have an effect on the stock return as well as the result of the determination coefficient where the adjusted R-squared value of 87.5306% shows that the independent variable is able to explain the independent variable, namely the stock return.

Optimalisasi Digital Banking: Upaya Meminimalisir Risiko Teknologi Informasi

Enny Puji Lestari — 2025-07-01

Purpose: Thepurposeofthisresearchistoseetheextentofdigitalbanking optimization inBPRSBandarLampungandBPRSMAUSyariah,andeffortstominimizetheriskofinformationtechnologyinBPRSMAUSyariahandBPRSBandarLampungseenfromthebenefitsofdigitizingcustomersatisfaction,aswellasgainingtrustforcustomersandbanks.

Design/methodology/approch: The research paradigm used in this research is the interpretive paradigm, with the type of qualitative research. This research study uses Phenomenology This research will explore and understand the optimization of digital banking in an effort to minimize the occurrence of information risks which are further described and narrated.

Research Findings: The results of the Optimization Research from BPRS MAU Syariah and BPRS Bandar Lampung, must continue to be improved in understanding and awareness of the importance of bank digitalization, which greatly affects the impact of trust for customers and banks. So that financial stability at BPRS is more increased and the quality of service can have an impact on product loyalty as a sense of satisfaction, a willingness to pay more and an unwillingness to move to another product. The use of information technology whose operations experience risks is due to; (i) weak governance of BPRS technology in the use of digital technology, (ii) the complexity of information technology assets that are not controlled by the needs of systems and human resources where these needs must still be improved so that the value of needs inherent in financial stability can have an impact on customer satisfaction.

Keywords: Digital Banking, Information Technology Risks

The Influence of Customer Relationship Management, Service Quality, and Trust on Customer Loyalty of BSI OTO Financing at Bank Syariah Indonesia KCP Nganjuk Yos Sudarso

Riyan Anang Pratama — 2025-07-01

Islamic banks in Indonesia, including in Nganjuk, offer financing products based on sharia principles to meet the needs of the community, such as BSI OTO, which facilitates the purchase of vehicles with schemes in accordance with Islamic values. BSI OTO is a sharia automotive financing service resulting from a collaboration between Bank Syariah Indonesia and PT Mandiri Utama Finance Unit Usaha Syariah. BSI OTO offers low margins, easy installments, fast applications, and a variety of vehicle options, as well as guaranteeing sharia principles without usury, gharar, and maisir. This study aims to analyze the effect of customer relationship management (CRM), service quality, and trust on customer loyalty of BSI OTO financing at Bank Syariah Indonesia KCP Nganjuk Yos Sudarso, both partially and simultaneously. This study uses a quantitative method with incidental sampling techniques. A total of 100 questionnaires were distributed to BSI OTO customers. The independent variables include CRM, service quality, and trust, while the dependent variable is customer loyalty. Data were analyzed using classical assumption tests, multiple linear regression, and hypothesis testing. The results show that service quality has a significant influence on customer loyalty, while CRM and trust do not have a significant influence. However, simultaneously, all three variables have an effect on customer loyalty with an R square of 0.284, or 28.4%. This study provides insight into the factors that influence customer loyalty to sharia financing products in Indonesia, especially BSI OTO, and underlines the importance of service quality in increasing loyalty.

Keywords: Customer Relationship Management (CRM), Service Quality, Trust, Loyalty

Pengaruh Literasi Keuangan Syariah dan Persepsi Kemudahan Pengguna Terhadap Keputusan Menggunakan Mobile Banking Syariah di Kecamatan Majalengka

Sri Rahayu — 2025-07-01

Purpose: This study aims to analyze and measure the effect of Islamic financial literacy and perceived user convenience on decisions to use Islamic mobile banking.

Design/methodology/approach: The research method used in this research is quantitative with data collection techniques through a google form questionnaire. The sampling technique used was Non Probability Sampling with Purposive Sampling type with 103 respondents. The population is the people of Majalengka District. The data analysis used is the research instrument test, classical assumption test, and hypothesis testing.

Research Findings: The results showed that Islamic financial literacy (X₁) had no significant effect while perceived user convenience (X₂) had a significant effect on the decision to use Islamic mobile banking in Majalengka District (Y),. Simultaneously, X₁ and X₂ have a significant effect on Y with a contribution of 79.8%, the remaining 20.2% is influenced by other factors outside this study.

Contribution/Originality/Novelty: The results show that perceived convenience is more dominant than financial literacy, making a strategic contribution to the development of Islamic banking services.

Keywords: Literacy, Convenience, Mobile Banking