J-DBS: Journal of Darunnajah Business School

THE ROLE OF SAVING INTEREST IN MEDIATING THE INFLUENCE OF ACCESSIBILITY, BRAND AWARENESS, AND SHARIA FINANCIAL LITERACY ON SAVING DECISIONS

Wafi Magribi — Wed, 31 Dec 2025 00:00:00 +0700

This study aims to examine the influence of accessibility, brand awareness, and Islamic financial literacy on saving decisions at BSI KC Salatiga, with interest in saving as an intervening variable. Using a quantitative approach, data were collected through questionnaires distributed to 100 respondents and analyzed with SmartPLS to test validity, reliability, and relationships among variables. The findings reveal that accessibility and Islamic financial literacy have a positive and significant effect on both saving decisions and interest in saving, where interest successfully mediates their impact. Meanwhile, brand awareness significantly affects only interest in saving but still indirectly influences saving decisions through that interest. These results highlight the importance of improving banking accessibility, enhancing Islamic financial literacy education for the public, and strengthening brand awareness to encourage greater interest and decisions to save. The originality of this study lies in combining accessibility, brand awareness, and Islamic financial literacy with interest in saving as a mediator, offering a fresh perspective in exploring factors affecting saving decisions within the context of Islamic banking. This research contributes to better understanding customer behavior and provides practical insights for Islamic banks like BSI KC Salatiga to develop strategies that can effectively attract and retain saving customers.

Pengaruh Return On Asset, Return On Equity, Dan Earnings Per Share Terhadap Harga Saham Pada Perusahaan Sektor Perbankan Tahun 2021 - 2024

Asmi Lidya Pradipta Rahayu, Zaenal Abidin — Thu, 25 Dec 2025 15:36:32 +0700

Penelitian ini bertujuan untuk menganalisis pengaruh Return On Asset (ROA), Return On Equity (ROE), dan Earnings Per Share (EPS) terhadap harga saham perusahaan sektor perbankan yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2021 hingga 2024. Metode yang digunakan adalah kuantitatif dengan pendekatan asosiatif. Data yang digunakan adalah data sekunder yang diperoleh dari laporan keuangan tahunan perusahaan dan harga saham yang dipublikasikan oleh BEI. Sampel penelitian dipilih menggunakan purposive sampling dengan kriteria perusahaan perbankan yang terdaftar di BEI selama periode penelitian dan masuk dalam kategori bank Buku 4 (modal inti di atas 30 triliun). Data dianalisis menggunakan regresi linier berganda dengan SPSS 26. Hasil penelitian menunjukkan bahwa EPS berpengaruh signifikan terhadap harga saham, sementara ROA dan ROE tidak berpengaruh signifikan. Secara simultan, ketiga variabel ini memiliki pengaruh signifikan terhadap harga saham dengan kontribusi sebesar 55,2%, sementara sisanya dipengaruhi oleh faktor lain yang tidak dijelaskan dalam penelitian ini.

DETERMINASI STRES KERJA PENGEMUDI OJEK ONLINE: STUDI EMPIRIS PADA PENGEMUDI GOJEK DI JAKARTA SELATAN

Afiq Fairuz Ardani, Engga Jalaludin, NurMajdina — Wed, 31 Dec 2025 00:00:00 +0700

The increasing popularity of online motorcycle taxi driving as a profession in recent years is accompanied by significant challenges that often trigger work related stress, particularly those associated with coworker support and work commitment. This study aims to examine the influence of coworker support and work commitment on job stress among online motorcycle taxi drivers in South Jakarta. Employing a quantitative approach, this research collected data through a Google Form-based questionnaire distributed directly to online motorcycle taxi drivers, yielding 135 responses analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) to evaluate the relationships between variables. The findings indicate that coworker support has a significant effect on job stress, with a p- value of 0.002, underscoring the critical role of interpersonal relationships in mitigating stress levels. In contrast, work commitment does not significantly affect job stress, as evidenced by a p-value of 0.892.

The Effect of Compensation on Job Satisfaction with Work-Life Balance as an Intervening Variable: A Study at PT. XYZ, Tangerang

Hezty Nurochmah, Rizka Fajrina , Wildan Sifaudin — Wed, 31 Dec 2025 00:00:00 +0700

This study aims to analyze the effect of compensation on employee job satisfaction with work-life balance as an intervening variable in a manufacturing company. The research is motivated by the high level of dissatisfaction with compensation and the imbalance in work-life conditions in the manufacturing sector. A quantitative explanatory approach was applied using the Structural Equation Modeling–Partial Least Square (SEM-PLS) method with 209 respondents selected through stratified sampling. The results show that compensation has a positive and significant effect on both job satisfaction and work-life balance, work-life balance has a positive and significant effect on job satisfaction, and work-life balance mediates the effect of compensation on job satisfaction. The conclusion emphasizes that fair compensation and organizational support for employees’ work-life balance are crucial to enhance job satisfaction and sustain organizational performance.

Keywords: Compensation, Work-Life Balance, Job Satisfaction, SEM-PLS

Pengaruh Pembiayaan Jual Beli & Pembiayaan Bagi Hasil Terhadap Kinerja Keuangan (Stdui Kasus pada PT KB Bukopin Syariah Periode 2016 - 2023)

Wildan Syuhada, Engga Jalaludin, NurMajdina — Wed, 31 Dec 2025 00:00:00 +0700

This study aims to analyze the effect of sales-based financing and profit-sharing financing on the financial performance of PT KB Bukopin Syariah. The method used is a quantitative approach, where the population of this study consists of the financial reports of PT KB Bukopin Syariah, and the sample used is the quarterly financial reports of PT KB Bukopin Syariah for the period 2016-2023. The sampling technique employed is convenience sampling, a part of non-probability sampling. Using multiple linear regression, the analysis methods applied include descriptive analysis, classical assumption tests, and hypothesis testing regarding the effect of sales-based financing (X1) and profit-sharing financing (X2) on financial performance (Y). The results show that, simultaneously, sales-based financing and profit-sharing financing have a positive effect on financial performance, as evidenced by the F-test results, where the significance is 0.041 < 0.05, and the calculated F value is 3.584 > 3.327 (F-table). The sales-based financing variable does not significantly affect financial performance, as seen from the t-test, where the significance is 0.820 > 0.05, and the calculated t value is -0.230 < 2.043 (t-table). Profit-sharing financing also does not significantly affect financial performance, as proven by the significance of 0.820 > 0.05 and the calculated t value of -0.230 < 2.043 (t-table).