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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam Ekonomi Islam Indonesia Penamas International Journal of Waqf Likuid: Jurnal Ekonomi Industri Halal
Izra Berakon
Sakarya University
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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The Influence of Religiosity, Waqf Literacy and Trust on the Intention to Pay Cash Waqf: A Case Study Fathurrohman Ramadan; Izra Berakon
International Journal of Waqf Vol. 5 No. 1 (2025): International Journal of Waqf
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/ijw.v5i1.748

Abstract

This study aims to examine the influence of religiosity, waqf literacy, and trust on the intention to pay cash waqf with a case study of UIN Sunan Kalijaga Yogyakarta Students. This study is a quantitative research with a data collection method using questionnaires. Of the 136 data collected, it was processed using the Partial Least Square – Structure Equation Modelling (PLS-SEM) approach with the help of SmartPLS 3.0. The results of the study show that the variables of religiosity, waqf literacy, and trust have a significant positive effect on a person's attitude in the intention of paying cash waqf. Subjective norms and perceptions of behavior control also have a significant positive effect on the intention to pay cash waqf.
The Role of Mediation and Multigroups Investigation in Analyzing Islamic Fintech Users Behaviour Siti Nur Azizah; Izra Berakon
Ekonomi Islam Indonesia Vol. 7 No. 2 (2025): Ekonomi Islam Indonesia
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/eii.v7i2.712

Abstract

This study aims to analyze the influence of financial incentives and digital literacy on user loyalty, with satisfaction as a mediating variable, and to test the differences in influence between variables through multigroup analysis based on gender and region. The study used a quantitative approach with primary data obtained through questionnaires. The sample was determined by purposive sampling technique and included 140 respondents. The data was analyzed using the PLS-SEM method through the WarpPLS version 8 application. The results showed that financial incentives and digital literacy had a significant positive effect on loyalty, with satisfaction as a mediator. However, the influence of digital literacy on loyalty becomes weaker when mediated by satisfaction. Multigroup analysis showed no differences by gender, but there were differences in the effect of financial incentives on loyalty between urban and rural areas.
What Drives Students’ Intention to Use Islamic Banking Services? Evidence From a SEM-PLS Analysis Ridwan Alamsyah; Alya Azhana Maulidha; Muhamad Tanzi Maulana; Izra Berakon
Likuid Jurnal Ekonomi Industri Halal Vol. 6 No. 1 (2026): LIKUID: Jurnal Ekonomi Industri Halal
Publisher : Sharia Economics Study Program Faculty of Islamic Economics and Business UIN Sunan Gunun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/likuid.v6i1.53490

Abstract

The development of Islamic banking in Indonesia continues to grow however, the level of adoption among university students remains relatively limited. This phenomenon is particularly evident among students of the Faculty of Islamic Economics and Business (FEBI), who formally study Islamic economics and finance but do not necessarily use Islamic banking services in their daily financial activities. Understanding the factors that drive students’ intention to use Islamic banking services is therefore essential to support the expansion of the Islamic banking industry. This study aims to analyze the determinants influencing the intention of FEBI students to use Islamic banking services. A quantitative approach was employed using Partial Least Squares–Structural Equation Modelling (PLS-SEM), with data collected from FEBI students through a structured questionnaire. The results indicate that perceived ease of use has a significant effect on students’ intention to use Islamic banking services, while perceived usefulness, trust, social influence, and switching cost do not show significant effects. These findings suggest that ease of use plays a crucial role in encouraging FEBI students to adopt Islamic banking services. The study provides practical implications for Islamic banks to prioritize the development of user-friendly and accessible services to attract young consumers, particularly those with an academic background in Islamic economics and finance.
To What Extent Does Waqf Advance Sustainable Economic Growth? Evidence From Indonesia Nor Nabilla Muhammad; Anniza Citra Prajasari; Izra Berakon
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 2: Agustus 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i2.35200

Abstract

This study aims to examine the potential factors of Waqf Productiveness in advancing the Islamic economy and supporting the achievement of the SDGs through sustainable and impactful economic development in Indonesia. Researchers highlight three gaps including theoretical, empirical, and methodological gaps, which further encourage researchers to formulate novelties on the role of economic empowerment of the ummah in driving sustainable economic growth. The urgency of conducting a quantitative analysis to identify the key factors of sustainable economic growth through Waqf is emphasized, considering that most previous studies on Waqf issues have been dominated by perception-based analysis. Moreover, this study employs the Panel Data Analysis from 33 provinces in Indonesia for the 2020–2023 period. Robustness test was employed to support strong results. The results show that the National Waqf Index (NWI) and MSMEs can enhance sustainable economic growth both in HDI and EG. Additionally, digital literacy and financial inclusion variables were found to be predictors of sustainable economic growth, rather than moderators. Further, this research contributes to increasing the potential of Waqf within the broader Islamic economic in supporting policy strategy sustainable, long-term economic resilience, and social welfare particularly in Indonesia.
This study aims to analyze the influence of the Suronan tradition on improving the social spirituality of the community in Ngawonggo Village, Malang Regency, East Java. The primary focus is to understand how cultural and religious rituals performed during the 1 Suro observance interact with the community’s spiritual dispositions, as interpreted through the concepts of communitas and moral habitus within symbolic anthropology. This research employs a qualitative methodology, utilizing participato Muhamad Faturahman; Izra Berakon
Penamas Vol 38 No 2 (2025): Volume 38, Issue 2, July-December 2025
Publisher : Balai Penelitian dan Pengembangan Agama Provinsi DKIJakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31330/penamas.v38i2.997

Abstract

This study aims to analyze the influence of the Suronan tradition on improving the social spirituality of the community in Ngawonggo Village, Malang Regency, East Java. The primary focus is to understand how cultural and religious rituals performed during the 1 Suro observance interact with the community’s spiritual dispositions, as interpreted through the concepts of communitas and moral habitus within symbolic anthropology. This research employs a qualitative methodology, utilizing participatory observation, in-depth interviews, and documentation to explore the symbolic significance, spiritual importance, and social functions of the Suronan tradition. The findings indicate that the observance of Suronan not only serves as an annual ritual but also enhances social cohesion, deepens spiritual consciousness, and provides an opportunity for reflection on values of unity and life. Suronan functions as a medium through which social and spiritual meanings are reproduced and negotiated, thereby contributing to the development of a more robust social spirituality. Consequently, this study concludes that the Suronan tradition plays a strategic role in fostering social harmony while strengthening the spiritual identity of the residents of Ngawonggo Village.  
Co-Authors Alya Azhana Maulidha Anniza Citra Prajasari Fathurrohman Ramadan Muhamad Faturahman Muhamad Tanzi Maulana Nor Nabilla Muhammad Ridwan Alamsyah Siti Nur Azizah, Siti Nur