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This Author published in this journals
All Journal al-Afkar, Journal For Islamic Studies Commodities, Journal of Economic and Business
Khusnudin
UIN Maulana Malik Ibrahim Malang, Indonesia
Economics, Econometrics & Finance Social Sciences

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Pengaruh Pengetahuan, Persepsi, dan Religiusitas terhadap Minat Menabung di Bank Syariah dengan Sikap sebagai Variabel Mediasi Ahmad Ulul Mahasin; Khusnudin
Commodities, Journal of Economic and Business Vol. 7 No. 1 (2026): July 2026
Publisher : FKDP (Forum Komunikasi Dosen Peneliti)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59689/commo.v7i1.1405

Abstract

This study aims to analyze the influence of perception, religiosity, and knowledge on students’ saving interest in Islamic banks with attitude toward Islamic banking as a mediating variable. The study employed a quantitative approach using primary data collected through questionnaires distributed to university students in Malang City. Data analysis was conducted using Structural Equation Modeling-Partial Least Square (SEM-PLS). The results show that perception and knowledge significantly influence attitudes toward Islamic banking, but do not directly affect saving interest. Religiosity does not significantly influence either attitude or saving interest. Meanwhile, attitude toward Islamic banking has a highly significant effect on saving interest and becomes the most dominant variable in the research model. In addition, attitude is proven to fully mediate the influence of perception and knowledge on saving interest, but is unable to mediate the effect of religiosity. Overall, the findings indicate that students’ saving interest is more strongly influenced by affective factors in the form of attitudes formed through cognitive factors such as perception and knowledge. This study contributes to the development of Islamic financial behavior literature and provides implications for strengthening Islamic financial inclusion among students.
Productive Waqf Transformation: Integration of Islamic Historical Values and Sharia Economic Innovation Muhamad Baharudin Yusuf; Khusnudin
al-Afkar, Journal For Islamic Studies Vol. 9 No. 1 (2026)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v9i1.1930

Abstract

This research aims to investigate the evolution of productive waqf within the framework of Islamic history, along with the utilization of digital technology to facilitate sustainable financing in contemporary society. By integrating historical Islamic values exemplified by the waqf practices of Umar bin Khattab and Uthman bin Affan, this research assesses the modernization of waqf principles through the application of digital innovations, including blockchain technology and sharia-compliant crowdfunding. The methodology used in this research is qualitative and descriptive, emphasizing a comprehensive literature review of various Islamic historical texts combined with an analysis of advances in digital technology relevant to waqf management. The research findings show that the incorporation of technology into waqf administration, particularly through blockchain and digital platforms, has the potential to improve transparency, efficiency, and community engagement, while ensuring the sustainability and accountability of waqf resources. Nonetheless, challenges such as the digital literacy gap and the lack of standardized sharia regulations pose significant obstacles. This study advocates initiatives aimed at strengthening digital literacy and developing a policy framework that facilitates the implementation of digital waqf in accordance with Sharia principles, thereby maximizing the potential of waqf as an instrument of sustainable economic empowerment.
Co-Authors Ahmad Ulul Mahasin Muhamad Baharudin Yusuf