Article Per Year (5 Year)
p-Index From 2020 - 2025
2.937
P-Index
This Author published in this journals
All Journal ETIKONOMI Jurnal Keuangan dan Perbankan JASF (Journal of Accounting and Strategic Finance) Jurnal Akuntansi International Journal Of Science, Technology & Management (IJSTM) International Journal of Educational Research and Social Sciences (IJERSC) Annals of Human Resource Management Research KEYNESIA : INTERNATIONAL JOURNAL OF ECONOMY AND BUSINESS International Journal of Entrepreneurship, Business, and Creative Economy Moneter : Jurnal Keuangan dan Perbankan International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) Multidisciplinary Indonesian Center Journal Journal of Multidisciplinary Academic and Practice Studies International Journal of Accounting and Management Information Systems
Abdul Mukti Soma
Universitas Telkom Bandung, Indonesia
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Social Sciences Transportation Other

Published : 22 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 22 Documents
Search

 1   2   3 
Religiosity and Islamic Banking Product Decision: Survey on Employees of PT Telekomunikasi Indonesia Abdul Mukti Soma; Ina Primiana; Sudarso K Wiryono; Erie Febrian
ETIKONOMI Vol 16, No 1 (2017)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (72.628 KB) | DOI: 10.15408/etk.v16i1.4379

Abstract

The objective of this research is to examine the religiosity on Islamic banking product decision. A survey method was employed using a sample of 2.627 employees at different level of education, level of income, gender, age, marital status, length of service, work location (provincial based), ownership of conventional banking products as well as ownership of sharia banking products among employees of PT. Telekomunikasi Indonesia. The study also developed valid and reliable scales for religiosity and selection of sharia banking product.  The findings of the study revealed that dimensions of religiosity affected understanding of Islamic Banking Concept and also affected Bank Selection Criteria. Future research is required to investigate private employees and semi government employees, even in military institutions to find different figure of religiosity and preference of sharia banking products, by identifying the specific areas of religiosity that have particular impact in determining the sharia banking products.DOI: 10.15408/etk.v16i1.4379
DESAIN ENTERPRISE RISK MANAGEMENT PADA PERGURUAN TINGGI DI STIE MUHAMMADIYAH JAKARTA Lela Nurlaela Wati; Ramdany Ramdany; Abdul Mukti Soma
JURNAL AKUNTANSI Vol 10, No 2 (2021): JURNAL AKUNTANSI
Publisher : STIE Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37932/ja.v10i2.439

Abstract

Tujuan dari penulisan ini adalah untuk menganalisis penerapan manajemen risiko pada perguruan tinggi di Sekolah Tinggi Ilmu Ekonomi Muhammadiyah Jakarta. Metode penelitian menggunakan desain penelitian eksploratif, karena tujuan penelitian ini adalah untuk memahami permasalahan manajemen risiko pada STIE Muhammadiyah Jakarta. Data diperoleh dengan melakukan wawancara dan barinstorming dengan ketua program studi, kepala bagian, dan kepala Lembaga STIE Muhammadiyah Jakarta, juga dengan menggunakan data sekunder yaitu jumlah mahasiswa, jumlah, dosen, dan data lainnya. Tahapan analisis dilakukan melalui identifikasi risiko, penilaian dan evaluasi risiko, perencanaan mitigasi risiko dan analisis serta interpretasi data. Berdasarkan hasil identifikasi risiko, terdapat 5 risiko inherent yang bisa berdampak signifikan terhadap sustainability STIE MJ. Berdasarkan risk profile dari kelima identifikasi risiko, risiko 1 berdampak kualitatif terhadap penurunan peringkat akreditasi, risiko kedua dan ketiga berdampak terhadap tidak tercapainya sasaran kinerja, risiko keempat dan kelima dapat berdampak terhadap penurunan klasterisasi Nasional Perguruan Tinggi. Dampak kuantitatif risiko 1-3 berdampak terhadap kerugian institusi, risiko no. 4 dan 5 berdampak terhadap rendahnya  penyerapan anggaran (cost center). Beberapa risiko memerlukan penangan dalam waktu yang tidak singkat seperti risiko 4 dapat mengakibatkan risiko residual tidak sesuai dengan target risiko yang diharapkan (risk appetite), sehingga diperlukan penanganan risiko secara berkelanjutan. Penelitian ini memiliki keterbatasan yaitu identifikasi risiko tidak dilakukan secara mendalam pada semua unit kerja. Penelitian mendatang diharapkan agar identifikasi risiko dilakukan pada semua unit kerja di Perguruan Tinggi, sehingga risiko yang ada dapat segera dimitigasi dan dilakukan perbaikan segera.
Can Digital Orientation Assist Digital Marketing and E-Payments Perform Better for MSME Performance in Indonesia? Sudrajat, Oki; Wati, Lela Nurlaela; Soma, Abdul Mukti
International Journal of Entrepreneurship, Business and Creative Economy Vol. 4 No. 2 (2024): July
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijebce.v4i2.2032

Abstract

Rapid development in the perfume industry has been accompanied by accelerated digitalization, which was unexpected by most Micro, Small and Medium Enterprises (MSMEs). Many MSMEs in this sector experience problems with access and knowledge of digital technology, especially in digital marketing and e-payment. Most MSME players are still learning and are slow to adopt digitalization in their perfume business. This research aims to analyze the influence of digital marketing, e-payment and digital orientation on the performance of perfume MSMEs in West Java Province. A sample of 100 respondents, company owners or managers, was selected using stratified sampling. Data analysis uses Structural Equation Modeling (SEM) and Moderated Regression Analysis (MRA). The results show that digital marketing and digital orientation have a positive and significant effect on MSME performance, while e-payment does not have a significant effect. Digital orientation also negatively and insignificantly moderates the influence of digital marketing and e-payment on MSME performance. Perfume MSMEs are advised to consider the role of digital orientation and optimize digital marketing strategies to improve their business performance.
The Islamic financial literacy and market discipline: Does gender have the moderating role? Widyastuti, Umi; Soma, Abdul Mukti
Jurnal Keuangan dan Perbankan Vol 27, No 1 (2023): January 2023
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v27i1.8297

Abstract

This study contributes to examine the effect of Islamic financial literacy on market discipline and to confirm whether gender can employ as moderating variable in this model. The primary data was collected from 93 academicians who invest in Sharia mutual funds. Based on the data analysis, this study proved that there is a positive impact of Islamic financial literacy on investment’s withdrawal behaviour which indicated the market discipline. Moreover, a multi group analysis results that Islamic financial literacy has higher influence for female Sharia mutual fund’s investors in withdrawing their investments. But, the influence of Islamic financial literacy on market discipline among gender is not significantly different, therefore gender could not employ as a moderating variable in this model.JEL: G2, G23
The Factors Influencing Intention To Use Mobile Banking Among Generation Y And Z Sabilla, Anisa Moza; Soma, Abdul Mukti; Sitorus, Palti Marulitua
Moneter: Jurnal Keuangan dan Perbankan Vol. 12 No. 2 (2024): JULI
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Advancements in information technology have accelerated the global expansion of the internet, proceed the financial sector to have a major shift. The mobile banking apps growth is one of the most significant advances that is transforming the business. While these digital services provide several benefits to customers, they are also vulnerable to possible cyber threats. The digital transformation of banking has highlighted various key challenges, including cyberattacks, banking fraud, hacking, phishing, and the significance of security awareness. SEM PLS is used in data analysis, and 400 respondents from Generation Y and Z. Identifying the factores affecting the intention to use mobile banking is the purporse of this study. Therefore, this study found that perceived security, perceived privacy, security awareness, and trust are key factor in influencing the intention to use. Moreover, trust also plays a big role that has significacnt and positive impact on the intention of using mobile banking, with perceived usefulness as a moderator.
Factor affecting islamic fintech adoption by Gen Z in West Java with religion as moderating variable Br Siregar, Kristina Valentina; Soma, Abdul Mukti; Sitorus, Palti Marulitua
Keynesia : International Journal of Economy and Business Vol. 3 No. 2 (2024): Keynesia: International Journal of Economics and Business
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/keynesia.v3i2.1277

Abstract

In the age of fast digitalization, it’s crucial to comprehend the consumer behavior of the younger generation, particularly in relation to the acceptance of Islamic fintech. This research aims to study the factors that influence Gen Z in adopting Islamic fintech and investigate the potential impact of Religious Orientation. The study uses a questionnaire to collect data from 311 Gen Z in West Java, using SEM-PLS to evaluate the research model and test hypotheses. The results of Smart PLS path analysis revealed that several factors significantly influenced the adoption of Islamic fintech. In particular, perceived risk, financial literacy, perceived benefits and trust, were identified as very important determinants in shaping Gen Z's decision to adopt Islamic fintech. In addition, this study also reveals the important role of religious orientation as a moderator that influences the relationship between perceived risk, perceived benefit, and trust towards the adoption of Islamic fintech by Gen Z in West Java. This study adds to the existing literature on Islamic Fintech adoption and improves understanding of the key drivers in this domain. In addition, this study emphasizes how religious orientation can influence individual attitudes and behaviors regarding the adoption of Islamic Fintech.
Determinants Of Financial Literacy, Digital Literacy, Internet Penetration And Consumer Confidence Level Mediated By Fintech Growth On Retail Industry Growth In Indonesia Sapta Rini, Anggarwati; Mukti Soma, Abdul
International Journal of Educational Research & Social Sciences Vol. 5 No. 6 (2024): December 2024 ( Indonesia - Somalia - Nigeria )
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijersc.v5i6.928

Abstract

This study evaluates how financial literacy, digital literacy, internet penetration, and consumer confidence influence retail industry growth in Indonesia, emphasizing the mediating role of fintech. In the era of industry 4.0, technology, especially fintech, has transformed conventional financial business models into digital ones, accelerating transactions and financial inclusion. The Covid-19 pandemic has further driven digitalization, although it has posed major challenges for the retail industry. This study aims to determine the actual impact of the development of fintech applications including the influence of financial literacy, digital literacy, internet penetration and consumer confidence levels on the development or growth of retail in Indonesia. This study uses a quantitative method with a focus on analyzing the relationship between financial literacy, digital literacy, internet penetration, and consumer confidence levels in the growth of the retail industry, both directly and through the mediation of fintech growth. The data used are secondary data that include information on the financial literacy index, digital literacy index, internet penetration level, consumer confidence index, fintech adoption level, and retail performance indicators. To overcome incomplete data, imputation and proxy variable methods are used. The analysis was conducted using multiple linear regression to identify direct relationships between variables, and structural equation modeling (SEM) to comprehensively evaluate the influence of fintech mediation. This study shows that financial literacy, digital literacy, and consumer confidence levels have a significant influence on retail growth, both with and without fintech growth mediation. Digital literacy and consumer confidence levels have a positive impact, reflecting that understanding of digital technology and consumer confidence contribute to retail development. Conversely, financial literacy shows a negative influence. Internet penetration does not show a significant influence on retail growth, either directly or through fintech mediation.
Managerial Transformation at Sea: Strategies to Enhance Performance, Motivation and Crew Safety Aziz, Azmal; Mulyanti, Rita Yuni; Soma, Abdul Mukti
International Journal of Multidisciplinary Research of Higher Education Vol 8 No 2 (2025): (April) STEM, Education, Religion Studies, Social Sciences and Economic Developme
Publisher : Islamic Studies and Development Center in Collaboration With Students' Research Center Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ijmurhica.v8i2.326

Abstract

Work safety and crew performance are very important focus areas in the high-risk maritime industry, as exemplified by shipping companies. This study aims to analyze the impact of leadership and managerial competence on crew motivation and performance, as well as their influence on work safety. This study uses quantitative methods with a causal design used to examine cause-and-effect relationships among variables, including leadership, managerial competence, work motivation, crew performance, and work safety. Data were collected through a survey using a Likert-scale questionnaire with five response levels. The respondents were crew members working for a shipping company. Additional data collection techniques included field observations and literature review to complement the theoretical insights. Data analysis was conducted using Structural Equation Modeling with SmartPLS software. The findings indicate that transformational leadership and managerial competence significantly influence work motivation and crew performance. Moreover, work motivation serves as a mediating variable, strengthening the relationships between leadership and performance, as well as managerial competence and occupational safety. This study emphasizes the crucial role of effective leadership in workplace safety within the maritime industry. Its implications suggest that companies should enhance competency-based training and leadership strategies to optimize crew performance and ensure sustainable workplace safety.
Determinants of Financial Literacy, Digital Literacy and Consumer Confidence Level Mediated by Fintech Literacy on Retail Industry Growth in Indonesia Sapta Rini, Anggarwati; Mukti Soma, Abdul
International Journal of Science, Technology & Management Vol. 6 No. 2 (2025): March 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i2.1280

Abstract

This study evaluates how financial literacy, digital literacy, and consumer confidence influence retail industry growth in Indonesia, emphasizing the mediating role of fintech literacy. In the era of industry 4.0, technology, especially fintech, has transformed conventional financial business models into digital ones, accelerating transactions and financial inclusion. The Covid-19 pandemic has further driven digitalization, although it has posed major challenges for the retail industry. This study aims to determine the actual impact of the development of fintech applications including the influence of financial literacy, digital literacy and consumer confidence levels on the development or growth of retail in Indonesia. This study uses a quantitative method with a focus on analysing the relationship between financial literacy, digital literacy, and consumer confidence levels on the growth of the retail industry, both directly and through fintech literacy mediation. The data used are primary data that include information on financial literacy, digital literacy, consumer confidence levels, fintech literacy, and retail growth. Data collection uses a Likert scale questionnaire with a scale of one to five for each variable. The analysis was carried out using multiple linear regression to identify direct relationships between variables and structural equation modelling (SEM) to comprehensively evaluate the influence of fintech mediation. This study shows that financial literacy has a positive and significant influence on retail growth without fintech literacy mediation. However, it does not have a significant effect on retail growth with fintech literacy mediation. In contrast to digital literacy, where digital literacy has a significant and positive effect on retail growth with fintech literacy mediation. While without fintech literacy, this variable does not have a significant effect on retail growth. The level of consumer confidence has a positive and significant effect on retail growth directly and with fintech literacy mediation.
The Influence of attitude, subjective norm, awareness, knowledge, and trust of Millennial and Gen Z on the adoption of fintech services in the sharia banking sector with facilitating conditions as a moderating variable Kusbiantara, Elvara Hana Salsabila; Soma, Abdul Mukti; Sitorus, Palti Marulitua
Keynesia : International Journal of Economy and Business Vol. 4 No. 1 (2025): Keynesia: International Journal of Economics and Business
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/keynesia.v4i1.1288

Abstract

Financial Technology (FinTech) has become a major innovation that influences people's financial behavior, changing the way payments are made easier. This research aims to study the factors that influence Millennials and Gen Z in Bandung in adopting FinTech services in the Sharia banking sector. These factors include attitudes, subjective norms, awareness, knowledge, trust and facilitating conditions. The data used in this research was collected through a questionnaire surveying 400 Sharia banking customers, limited to Millennials and Gen Z in Bandung. Data analysis carried out in this research using Partial Least Square Structural Equation Modeling (PLS-SEM). The findings of this study reveals that attitude, subjective norms, awareness, knowledge, and trust significantly influence consumer’s intention to adopt FinTech services. This study also identifies that facilitating conditions, as a moderating factor, have a significant impact on both attitudes and awareness with regard to consumers' intentions to adopt FinTech services. However, facilitating conditions does not moderate the influence of subjective norms, knowledge, or trust on intention to adopt FinTech services. Fundamentally, this study investigates the factors influencing Sharia bank consumer's intentions to adopt FinTech services. The findings aim to provide valuable insights for FinTech and Sharia banking companies, as well as policymakers, in designing marketing strategies and product development that better align with the needs and preferences of Millennials and Gen Z.
Co-Authors Aziz, Azmal Br Siregar, Kristina Valentina Driana, Thasania Fitri Erie Febrian Feryanto, Muslim Ina Primiana Indrasari, Elizabeth Sastrina Irni Yunita Jimmy Julio Ratu Edo Kusbiantara, Elvara Hana Salsabila Mulyanti, Rita Yuni Nurhakim, Eko Sanjaya Palti Marulitua Sitorus Ramdany Ramdany refsi, Firdaus Sabilla, Anisa Moza Safitri, Annisa Sapta Rini, Anggarwati Sitepu, Victor Bastanta Sudarso K Wiryono Sudrajat, Oki Umi Widyastuti Wati, Lela Nurlaela Widodo, Iqbal