FACTORS AFFECTING STUDENT FINANCIAL BEHAVIOR IN DIGITAL TRENDS

This study discusses the influence of Islamic financial literacy, locus of control and religiosity on student financial management in the digital era. The respondents in this study were Febi students of Raden Mas Said State Islamic University Surakarta with a total of 177 respondents. The data collection process is carried out by disseminating questions and answers using primary quantitative methods through questionnaires. This study used multiple linear regression analysis method. This study concluded that there is a positive and significant influence between sharia financial literacy on financial management, there is a positive and significant influence between locus of control on financial management and no influence on religiosity on student financial management. Based on the results of the research conducted, the R Square value was obtained at 0.244 or 24.4%. While the remaining 75.6% was influenced by other variables that were not examined in this study. These findings can certainly be part of the reference for students in financial management in the digital era. The conclusion is that Islamic financial literacy and locus of control can influence student financial management in the digital era. Meanwhile, religiosity cannot influence student financial management in the digital era

Analisis Faktor-Faktor yang Berpotensi pada Perkembangan Market Share Perbankan Syariah di Indonesia

Abstract This study aims to analyze the potential factors in the development of Islamic banking market share in Indonesia from the indicators of ROA, DPK, BOPO, Equivalent Rate, and Number of ATMs. This study uses a quantitative approach from annual financial reports with a population of Islamic banking for the last 10 years. The sampling method with purposive sampling obtained 11 BUS for the period 2013-2022. While the data analysis method applies the panel data regression analysis method with the Eviews 10 program. The results obtained simultaneously variable ROA, DPK, BOPO, Equivalent rate, and Number of ATMs have an influence on the market share of Islamic banking in Indonesia. While partially ROA, BOPO, and Number of ATMs have no significant effect on the market share of Islamic banking in Indonesia. While DPK has a significant effect on the market share of Islamic banking in Indonesia, because the management is able to manage funds well so that the amount of DPK is getting bigger which can illustrate the higher public confidence in Islamic banking. Equivalent Rate has a significant effect on the market share of Islamic banking in Indonesia, because with a high rate of return, customers will be interested in transacting at Islamic banks. Keywords: Islamic Financial Ratio, DPK, Equivalent Rate, Number of ATMs, Market Share   Abstrak Penelitian ini memiliki tujuan guna menganalisa faktor-faktor yang berpotensi pada perkembangan market share perbankan syariah di Indonesia dari indikator ROA, DPK, BOPO, Equivalent Rate, dan Jumlah ATM. Penelitian ini memakai pendekatan kuantitatif dari laporan keuangan tahunan dengan populasi perbankan syariah selama 10 tahun terakhir. Metode pengambilan sampel dengan purposive sampling diperoleh 11 BUS periode 2013-2022. Sedangkan metode analisis data menerapkan metode analisis regresi data panel dengan program Eviews 10. Hasil penelitian diperoleh secara simultan variabel ROA, DPK, BOPO, Equivalent rate, dan Jumlah ATM memiliki pengaruh terhadap market share perbankan syariah di Indonesia. Sedangkan secara parsial ROA, BOPO, dan Jumlah ATM tidak berpengaruh signifikan terhadap market share perbankan syariah di Indonesia. Sedangkan DPK berpengaruh signifikan terhadap market share perbankan syariah di Indonesia, dikarenakan pihak manajemen yang mampu mengelola dana dengan baik sehingga jumlah DPK semakin besar yang dapat menggambarkan semakin tingginya kepercayaan masyarakat terhadap perbankan syariah. Equivalent Rate berpengaruh signifikan terhadap market share perbankan syariah di Indonesia, dikarenakan dengan tingkat pengembalian yang tinggi maka nasabah akan tertarik untuk bertransaksi pada bank syariah. Kata kunci: Rasio Keuangan Syariah, DPK, Equivalent Rate, Jumlah ATM, Market Shar

FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT INVESTOR DALAM BERTRANSAKSI SAHAM. (Studi Kasus Pada Investor Galeri Investasi Syariah FEBI UIN Surakarta)

Faktor yang mempengaruhi minat investor dalam bertransaksi saham penting untuk dipahami sebagaimana hal tersebut merupakan referensi untuk literasi pasar modal. Faktor-faktor tersebut adalah pengetahuan tentang investasi saham, saldo minimum, persepsi terhadap return, dan persepsi terhadap risiko saham. Data dalam penelitian ini merupakan data kualitatif dari kuesioner yang didistribusikan kepada 315 investor Galeri Investasi Syariah FEBI UIN Raden Mas Said Surakarta. Data dianalisis dengan menggunakan uji validitas, reliabilitas, dan asumsi klasik. Hipotesis diuji dengan menggunakan Regresi Linear Berganda melalui Program SPSS versi 22. Hasil pengujian menunjukkan bahwa pengetahuan tentang investasi saham, modal minimum, dan persepsi terhadap return saham berpengaruh secara positif terhadap minat bertransaksi saham. Sedangkan, persepsi terhadap risiko saham tidak berpengaruh terhadap minat bertransaksi saham