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All Journal Jurnal Ekonomi Pembangunan ETIKONOMI IQTISHODUNA JAM : Jurnal Aplikasi Manajemen Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Ekonomi Syariah Teori dan Terapan Jurnal Dimensi Jurnal Ilmiah Ekonomi Islam AKRUAL: Jurnal Akuntansi Journal of Economic, Bussines and Accounting (COSTING) Management and Economics Journal (MEC-J) MALIA JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) JOURNAL OF APPLIED BUSINESS ADMINISTRATION TSAQAFAH Pena Justisia: Media Komunikasi dan Kajian Hukum JURNAL LENTERA BISNIS JENIUS (Jurnal Ilmiah Manajemen Sumber Daya Manusia) Jurnal Aplikasi Dan Inovasi Ipteks SOLIDITAS Dialektika: Jurnal Ekonomi dan Ilmu Sosial Management Studies and Entrepreneurship Journal (MSEJ) Jurnal E-Bis: Ekonomi Bisnis Journal of Islamic Economics and Finance Studies AL-FALAH : Journal of Islamic Economics Jurnal Manajemen Bisnis dan Keuangan Share: Jurnal Ekonomi dan Keuangan Islam BISMA (Bisnis dan Manajemen) Relevance: Journal of Management and Business Journal of Islamic Economics Lariba Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Ecogen
Vivin Maharani Ekowati
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Understanding The Drivers of Interest in Fintech Adoption: Examining The Moderating Influence of Religiosity Baharuddin, Jukri; Supriyanto, Achmad Sani; Siswanto, Siswanto; Ekowati, Vivin Maharani
Jurnal Aplikasi Bisnis dan Manajemen Vol. 9 No. 3 (2023): JABM Vol. 9 No. 3, September 2023
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.9.3.695

Abstract

Fintech is an innovation in financial services with the application of modern technology to introduce practicality, convenience, ease of access, and affordable costs. The purpose of this study was to examine the impact of attitudes, subjective norms, and behavioral control in the theory of planned behavior on interest in utilizing fintech, using religiosity as a moderation variable. This research is a quantitative study with explanatory research method to prove the research hypotheses. Data were gathered through the distribution of questionnaires to 570 respondents who had or were utilizing fintech, and analyzed using partial least squares (PLS). The findings revealed that attitudes, subjective standards, and behavioral control had a substantial impact on interest in utilizing fintech, while religiosity does not moderate the relationship between variables. As a result, fintech service providers are advised to increase positive assessments of the use of fintech services, to make use of social media, and to collaborate with influencers to hype up Indonesians' interest in using fintech. The research findings could be useful for increasing interest in utilizing fintech by engaging in tangible consumer financial and technology education that supports wider adoption of fintech. Keywords: planned behavior, subjective norm, behavioral control, fintech
Peran Job Satisfaction sebagai Pemediasi Pengaruh Employee Engagement dan Organizational Commitment Terhadap Employee Performance Febria Agustianingsih; Vivin Maharani Ekowati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i5.1994

Abstract

Management is a process of coordinating activities with the aim of time efficiency through cooperation with others. The company will be able to achieve organizational goals if it has employees with good performance. The purpose of this study was to examine the impact of employee engagement, organizational commitment on employee performance using job satisfaction as a mediation variable. This research is a quantitative study with explanatory research method to prove the research hypotheses. Data were gathered through the distribution of questionnaires to 88 respondents, and analyzed using partial least squares (PLS). The result of this study show that employee engagement directly affects employee performance, organizational commitment directly affects employee performance, Job satisfaction mediates the influence of employee engagement on employee performance and Job satisfaction mediates the influence of  organizational commitment on employee performance.
Peran Motivasi Sebagai Pemediasi Pengaruh Kompensasi, Self Efficacy Terhadap Kinerja Pegawai Husni Azahiroh; Vivin Maharani Ekowati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i5.2098

Abstract

The aim of this research is to examine and analyze the role of motivation as a mediator in the influence of compensation and self-efficacy on employee performance. The research was conducted at the Secretariat of The Regional House of Representatives of Malang Regency using explanatory research design and quantitative approach methods. The study population consisted of 86 people with sample selection using a saturated sampling technique. Data were obtained through interviews, literature studies, and questionnaires distributed to respondents. Data analysis was carried out using SmartPLS 4.1 with several testing stages including outer model test, inner model test, hypothesis testing, and mediation testing. The results showed that: 1) positively and significantly compensation affects employee performance with a p-value of 0.002, 2) positively and significantly self efficacy affects employee performance with a p-value of 0.010, 3) positively and significantly motivation affects employee performance with a p-value of 0.000, 4) motivation has a mediating role on the effect of compensation on employee performance with a p-value of 0.009, and 5) motivation has a mediating role on the influence between self 5) motivation has a mediating role on the effect of self efficacy on employee performance with a p-value of 0.007.
Reconstructing Islamic Human Development Index in Indonesia Arsyad, Maulana Kamal; Supriyanto, Achmad Sani; Ekowati, Vivin Maharani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 12 No. 4 (2025): November-2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol12iss20254pp389-405

Abstract

This study aims to examine the construct validity of the Islamic Human Development Index (IHDI) indicators developed by Anto 2011 and Rama & Yusuf 2019 in the context of human development in Indonesia to ensure an appropriate index is obtained. The analysis method used is Principal Component Analysis (PCA) with secondary data from 34 provinces in Indonesia for the year 2024. The results show that two indicators, namely the zakat to GDP ratio and the Gini ratio, were eliminated due to high inter-regional variability. The study identifies four main components that form the IHDI, which are the socio-religious dimension, quality of life, economic welfare, and social mobility, explaining a total variance of 75.72 percent. The novelty of this research lies in the empirical reconstruction of the IHDI using the PCA approach, which produces a measurement structure more representative of the socio-economic conditions in Islamic Indonesia compared to the commonly used IHDI. The findings suggest that the PCA-based IHDI model can serve as a foundation for formulating more representative inter-provincial policies in Indonesia aligned with Islamic ethical values at the provincial level.
Legal Dimension in Waqf Governance: The Role of Compliance Mediation in The Influence of Human Resources Quality and Supervision on The Accountability of Waqf Institutions Grandis Imama Hendra; Nur Asnawi; Vivin Maharani Ekowati
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i2.6482

Abstract

This study aims to analyze the role of compliance mediation in influence of human resource (HR) quality and supervision on accountability of waqf institutions registered with the Indonesian Waqf Board (BWI). This study provides insight into how these factors interact to improve institutional accountability, which is an important element in maintaining public trust in waqf management. This study uses a quantitative approach with the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. Data were collected through a survey of 164 respondents consisting of stakeholders and practitioners at the Waqf Nadzir Institution. This model evaluates the direct and mediation relationships between variables. The results of the study indicate that the quality of human resources does not have a significant direct effect on the accountability of waqf institutions or on compliance. In contrast, supervision has a positive and significant effect on compliance and accountability. Compliance is proven to only mediate the relationship between supervision and accountability, but cannot mediate the relationship between the quality of human resources and accountability. This finding emphasizes the importance of effective supervision in improving institutional compliance and accountability. The quality of human resources in waqf institutions needs to be considered to improve the accountability of waqf institutions. The novelty of this study is to develop a theory of legitimacy in terms of the need for supervision in improving the accountability of waqf institutions mediated by waqf institution compliance.
PENGARUH PENGETAHUAN DAN KETERAMPILAN TERHADAP CAREER WELL-BEING DENGAN CAREER ADAPTABILITY SEBAGAI MEDIASI (STUDI PADA KARYAWAN GEN Z DI KOTA MALANG) Utmiati, Nur Aulia Kusuma; Ekowati, Vivin Maharani; Alim, Syahirul
JURNAL LENTERA BISNIS Vol. 15 No. 1 (2026): JURNAL LENTERA BISNIS, JANUARI 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i1.1949

Abstract

The rapid development of the world of work accelerated by digitalization and globalization requires Generation Z to have relevant competencies and high adaptability skills. Psychological pressure, career uncertainty, and the need for new skills are major challenges for Gen Z workers in Malang City. These conditions emphasize the importance of knowledge, skills, and career adaptability in shaping career well-being. This study aims to analyze the influence of knowledge and skills on career well-being with career adaptability as a mediating variable among Generation Z employees. The study uses a quantitative approach through surveys, with data analysis using PLS-SEM to test direct and indirect relationships between concepts. The results show that knowledge and skills have a positive and significant effect on career well-being, and career adaptability is proven to mediate this relationship, so that individual competencies become more effective in improving career well-being when supported by the ability to adapt to the dynamics of the modern world of work.
Pengaruh Kepercayaan dan Pengetahuan Zakat Terhadap Minat Membayar Zakat, infaq Sedekah melalui Lazisnu Kota Kraksaan (studi pada masyarakat Kabupaten Probolinggo) Sari, Lutfiah Novita; suprayitno, eko; ekowati, vivin maharani; AR, Sri Wahyuni Safitri
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15080

Abstract

ZIS is a financial instrument that is quite potential in Indonesia and Probolinggo Regency in particular, but the collection of ZIS at Lazisnu Kota Kraksaan from year to year has not reached the target. Therefore, it is important to know the factors that influence people's interest in paying ZIS. This study aims to determine whether there is an influence between trust on the interest in paying ZIS through Lazisnu Kota Kraksaan, knowledge of zakat on the interest in paying ZIS through Lazisnu Kota Kraksaan, and whether trust and knowledge of zakat together influence the interest in paying ZIS through Lazisnu Kota Kraksaan. This study uses a quantitative method with secondary data and primary data. Secondary data in this study were obtained from books, journals and other related scientific studies. While the primary data in this study were obtained from questionnaires distributed online via WhatsApp social media, in addition, researchers also distributed questionnaires directly to people who were less active in social media. This study obtained the results of a) trust has a significant effect on the interest in paying ZIS through Lazisnu Kota Kraksaan, as seen from the calculated t value X1> T table or 4.882> 1.894 and the Sig. value 0.001 T table or 4.096> 1.894 and the Sig. value 0.001 F table or 32.413> 3.090 with a Sig. value 0.001
Bridging Religiosity, Trust, and Service Quality: The Role of Customer Intention in Driving Saving Decisions Ahmad, Yusuf Falaqi; Supriyanto, Achmad Sani; Ekowati, Vivin Maharani; Julaihah, Umi; Masyhuri; Johari, Fuadah Binti
Jurnal Aplikasi Manajemen Vol. 23 No. 4 (2025)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/

Abstract

Technological advances have impacted intense business competition in the banking world, requiring all banks to compete in updating systems to maintain service quality, which is essential to a business' success. Factors influencing the decision to save in syariah banks are religiosity, trust, and service quality. This study aims to examine and analyze the influence of religiosity, trust, and service quality on the saving decisions of Islamic students, both directly and indirectly through intention. The population in this study comprises Islamic students at PTKI (Islamic Higher Education Institutions) in Malang. The study uses a sample of 240 students from PTKI Malang, selected through purposive sampling based on criteria such as a minimum grade of A for PTKI and students enrolled in the Islamic banking study program. This study employs quantitative analysis with an explanatory study approach. Data were analyzed using path analysis to test the significance and direct and indirect effects using SPSS 24 software. The study's results indicate that religiosity, trust, service quality, and intention significantly influence saving decisions. However, intention does not mediate the influence of religiosity, trust, and service quality on saving decisions. The findings from this study could be applied to enhance the decision to save by building service quality, customer trust, and sharing the bank’s reputation, so that they receive credible information from the bank.
ANALYSIS OF WORK ENVIRONMENT, STANDARD OPERATING PROCEDURES AND WORK DISCIPLINE ON EMPLOYEE PERFORMANCE MODERATED BY DEMOCRATIC LEADERSHIP Rahman, Hidayatur; Ekowati, Vivin Maharani
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/8ea20v29

Abstract

In the era of globalisation and digitalisation, organisations are faced with the demands to improve efficiency, productivity, and service quality continuously. One way to maintain a business is to create and implement a standard to regulate the implementation of company activities. With the existence of a standard, all activities can be carried out in accordance with objectives that align with the company's goals. The objectives of the study are to test and analyze the influence of the work environment on employee performance; the influence of Standard Operating Procedures (SOP) on employee performance; the influence of work discipline on employee performance; to test and analyze the role of leadership style in moderating the influence of the work environment on employee performance; to test and analyze the role of leadership style in moderating the influence of SOP on employee performance and to test and analyze the role of leadership style in moderating the influence of work discipline on employee performance. The study population was 100 employees of PT SGN PG GEMPOLKREP, East Java, from the installation division. Includes: 35 people from the electrical installation division, 35 people from the besali installation division, and 30 people from the milling installation division. The sampling technique used was saturated sampling. Research data were collected through questionnaires and analysed using SmartPLS Version 4. The results showed that the work environment, SOPs, and work discipline significantly influenced employee performance. Meanwhile, the moderation test showed that leadership style was unable to moderate the influence of the work environment, SOPs, and work discipline on employee performance.  
Mitigating the Effect of Trust and Emotional Attachment on the Adversity Quotient: Does Perception of Procedural Justice Matter? Nuha, Amiddana Ulin; Ekowati, Vivin Maharani
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 11 No 1 (2026): Dialektika: Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36636/dialektika.v11i1.8446

Abstract

The success of a cooperative in achieving its goals and maintaining organisational sustainability largely depends on its members. One of the key factors influencing this success is the level of trust, emotional attachment, and the members' ability to face challenges. This study aims to examine and analyse the role of trust and emotional attachment on the Adversity Quotient of cooperative members, with procedural justice perception as a mediating variable. This study employs a quantitative research approach, with data collected through questionnaires distributed to cooperative members. The population and sample of the study consist of all 170 active members of the cooperative. Data analysis was conducted using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method with the assistance of the SmartPLS software. The results indicate that trust and emotional attachment have a positive and significant effect on the Adversity Quotient of cooperative members, and procedural justice perception significantly mediates the relationship between trust, emotional attachment, and Adversity Quotient.
Co-Authors Abdul Fatah Rusydi Achmad Sani Supriyanto Ahamed, Forbis Ahmad Tibrizi Soni Wicaksono Ahmad, Yusuf Falaqi Aisyah Trining Tias Amelindha Vania AR, Sri Wahyuni Safitri Arsyad, Maulana Kamal AUNUR ROFIQ Baharuddin, Jukri Ceta Indra Lesmana Choiriyah, Siti Nur Dafin Ardiano Eko Suprayitno Fadhila, Abdil Tsabit Fadilah, Frika Fahmi, Much. Maftuhul Fahreza Sani, Ahmad Firza Fajrin, Yunita Agfa Faruq, Muhammad Al Fauzan Almanshur Febria Agustianingsih Forbis Ahamed Frisna Zulfi Salsabila Grandis Imama Hendra Grandis Imama Hendra, Grandis Imama Hasibuan, Lempang Hidayati, Elly Wahyu Hilda Vironika Husni Azahiroh Ikhsan Maksum Ilfi Nur Diana Inavatul Mafrukhah Indah Yuliana Innayah, Eka Putri Johari, Fuadah Binti Julaihah, Umi Kamila, Putri Muhtarisa Sahda Khan, Ryan Basith Kurniawati Meylianingrum Lestari, Alisca Umi M ADRIKNI SYIFA MARDIANA Masaalah Marasabessy Masyhuri Masyhuri Masyhuri Masyhuri Masyhuri Masyhuri Masyhuri Maulida Fiha Fadzilasani Maulidina, Nur Izzah Meldona Minarni Mochamad Ali Chazmi Dzulfikar Mu’is, Achmad Munirul Abidin Natasya Putri Salsabilla Nuha, Amiddana Ulin Nur Asnawi Nur Kholis Nur Shodiq Askandar Nuri Ma'rifatul Laily Permadani, Viola Putri Rachmawati, Dewi Lailatul Rahman, Hidayatur Ratna Mitasari Ridwan, Muhtadi Rohmah, Lathifah Aulia Nur S Siswanto Sani, Ahmad Firza Fahreza Sari, Lutfiah Novita Setiani Setiani Setiani Setiani, Setiani Siswanto Siswanto Sopiyatun, Sopiyatun Syahirul Alim Tias, Aisyah Trining Titis Miranti Triwahyuni, Ririn Ulfi Kartika Oktaviana Utmiati, Nur Aulia Kusuma Wibisono, Nurharibnu Yuwan Ferdiana Ilahi