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All Journal El Dinar BISNIS: Jurnal Bisnis dan Manajemen Islam EQUILIBRIUM Tawazun: Journal of Sharia Economic Law SYIRKAH NISBAH: JURNAL PERBANKAN SYARIAH At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Indonesian Journal of Halal Research Al-Mal:Jurnal Akuntansi dan Keuangan Islam Mabsya : Jurnal Manajemen Bisnis Syariah Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah Jurnal Ilmiah Mahasiswa Raushan Fikr Islamic Economic and Business Journal Media Riset Bisnis & Manajemen Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Jeksyah JIFTECH: Journal Of Islamic Financial Technology INASJIF Fokus Bisnis: Media Pengkajian Manajemen dan Akuntansi Al-Iqtishad Journal of Shariah Economic Law Wealth: Journal of Islamic Banking and Finance Al-bank: Journal of Islamic Banking and Finance JIES : Journal of Islamic Economics Studies JIFA (Journal of Islamic Finance and Accounting) Jariyah : Jurnal Ilmu Akuntansi dan Keuangan Syariah
Hana, Kharis Fadlullah
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Religion Arts Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences Other

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Transfer of Funds Via Brilink an Analytical Study of Transactions Within the Framework of Wakalah Bil Ujrah Contract Setiawan, Muhammad Nanda; Hana, Kharis Fadlullah
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 13 No 2 (2024): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v13i2.11950

Abstract

With today's economic developments, Brilink has emerged as an initiative to provide more efficient and flexible services to the community. Brilink represents a collaboration between Bank BRI and its customers. Within its system, once a partnership is established and officially incorporated into a single corporation, it facilitates ease of transactions both within the same bank and across different banks. This service benefits customers and other parties wishing to conduct transactions without the cumbersome process of visiting a bank directly. This paper aims to elaborate on fund transfers via Brilink and analyze transactions in the context of the wakalah bil ujrah contract. Using a qualitative descriptive method, the study’s findings indicate that fund transfer transactions through Brilink do not constitute riba or usury from an Islamic perspective. This is primarily because the contract is based on mutual consent, involves no coercion, and is mutually beneficial. It also ensures transparency, wherein the customer pays a fee to the agent for the transactional services provided. This payment represents voluntary assistance or a form of mutual aid
UMKM Naik Kelas : Pengembangan Melalui Digital Marketing dan Sikap Kewirausahaan Islam Ramadhani, Dea Cahya; Hana, Kharis Fadlullah
Fokus Bisnis Media Pengkajian Manajemen dan Akuntansi Vol. 23 No. 1 (2024): Fokus Bisnis
Publisher : LP3M Universitas Putra Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32639/fokbis.v23i1.751

Abstract

UMKM merupakan suatu bentuk usaha kecil masyarakat yang pendiriannya berdasarkan inisiatif seseorang. Tujuan penelitian ini adalah untuk melihat bagaimana cara membuat UMKM naik kelas dengan pengembangan melalui digital marketing dan sikap kewirausahaan Islam. Jenis penelitian ini adalah penelitian kualitatif. Penelitian dilakukan dengan umlah informan sebanyak 3 informan yaitu pelaku UMKM di Kecamatan Jekulo, Kabupaten Kudus dengan waktu observasi sekitar 30 menit. Teknik sampling yang digunakan oleh peneliti adalah purposive sampling. Hasil penelitian menunjukkan bahwa menggunakan media digital telah meningkatkan pengetahuan, keterampilan dan menghasilkan lebih banyak penjualan. Sikap kewirausahaan Islam dan etika berkaitan karena etika mengungkapkan tingkat tanggung jawab seseorang. Dalam berwirausaha harus menerapkan tekad yang kuat, sikap rajin dan cekatan serta kejujuran. Sikap yang lebih baik akan menghasilkan lebih banyak pendapatan. Maka dari itu harus dilakukan pengembangan terhadap UMKM di Kecamatan Jekulo, Kabupaten Kudus. Pengembangan UMKM tersebut  dapat dilakukan melalui digital marketing dan juga diikuti dengan menerapkan sikap kewirausahaan Islam.
DAMPAK PEMBERIAN INSENTIF FINANSIAL DALAM MENINGKATKAN KINERJA KARYAWAN DENGAN WORK ENGAGEMENT SEBAGAI VARIABEL INTERVENING DI  BMT USAHA ARTHA SEJAHTERA PAMOTAN Elfayet, Tsaniya Almer; Hana, Kharis Fadlullah
Media Riset Bisnis & Manajemen Vol. 23 No. 1 (2023): April
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/v23i1.18783

Abstract

This study aimed to determine financial incentives, employee performance, and work engagement; the influence of financial incentives on employee performance; the influence of financial incentives on work engagement; the influence of work engagement on employee performance; and to find out whether work engagement mediates financial incentives on the performance of BMT Usaha Artha Sejahtera Pamotan employees. This research is quantitative. The sample used in this research was employees at BMT Usaha Artha Sejahtera Pamotan. The sample used in this research was 50 respondents. The data collection technique uses a questionnaire. The data analysis technique used is path analysis using the Statistical Product and Service Solutions (SPSS) software program version 26. Financial incentive variable is in the good category, employee performance is in the high category, and work engagement is in the very high category. The results of this research show that financial incentives have a positive and significant effect on employee performance. Financial incentives have a positive and significant effect on work engagement. Work engagement has a positive and significant effect on employee performance. Work engagement can mediate the effect of financial incentives on employee performance. This research makes a new contribution by emphasizing the importance of work as a mediating variable in the context of providing financial incentives, an approach that has rarely been researched in depth in the microfinance sector. Thus, these findings are relevant for the development of more effective human resource management strategies, especially in the cooperative sector and microfinance institutions.
Branchless Banking: Service Innovation Through Additive Models and Transformational Models at Bank Syariah Indonesia Hana, Kharis Fadlullah; Mustaqim, Bagus Sirot
Wealth: Journal of Islamic Banking and Finance Vol. 2 No. 1 (2023)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v2i1.7694

Abstract

The presence of digital banks currently provides new challenges for conventional banks. Bank operations are required to adapt to technological developments. If the customer cannot follow it, the bank will be abandoned by the customer. The purpose of this study is to explore the innovations made by Indonesian Sharia Banks in dealing with digital bank attacks. Digital services through Additive models and transformational models have been carried out, but the results are not optimal. This study uses interview data sourced from managers and frontliners of Indonesian Sharia Banks. This research approach uses a qualitative method with a case study strategy. The results of this study indicate that in optimizing branchless banking, Indonesian Sharia Banks provides account opening services through mobile banking. Another finding is that Indonesian Islamic Banks use the Gardening Strategy. The recommendation from this research is to improve branchless banking services through BSI Smart.
THE IMPACT OF SHARIA COMPLIANCE AND SERVICE QUALITY ON CUSTOMER LOYALTY: THE MEDIATING ROLE OF DIGITAL BANKING SERVICES Hana, Kharis Fadlullah; Safitri, Sefira Uzha; Sugianto, Sugianto
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 1 (2025): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v13i1.32470

Abstract

This study investigates the effects of sharia compliance and service quality on customer loyalty, with a focus on the mediating role of digital banking services. A quantitative research approach was employed using Partial Least Squares Structural Equation Modeling (SEM-PLS) for data analysis. Data were collected from 206 valid respondents, Generation Z users of Bank Syariah Indonesia (BSI) Mobile, out of 300 distributed questionnaires. The findings reveal that sharia compliance does not have a direct impact on customer loyalty but exerts an indirect influence through the use of BSI Mobile services. This is supported by the dominant response indicating that BSI Mobile facilitates the distribution of zakat, infaq, and shodaqoh. However, other findings show that many respondents remain uncertain about BSI’s business activities, leading to doubts about its adherence to halal practices and avoidance of usury (riba). In terms of service quality, BSI has delivered services as promised, and digital banking has enhanced customer convenience by enabling remote interaction with the bank. The study concludes that sharia compliance, in the absence of tangible evidence, does not directly influence customer loyalty. It is recommended that Sharia-compliant banks increase public education and outreach regarding the benefits of their business operations and ensure that sharia principles are more visibly implemented through digital banking services.
PENGARUH PERSEPSI MANFAAT DAN PERSEPSI KEMUDAHAN TERHADAP MINAT MENGGUNAKAN APLIKASI BYOND BANK SYARIAH INDONESIA DENGAN PENDEKATAN TECHNOLOGY ACCEPTANCE MODEL (TAM) Sefiana, Amanda Zelin; Hana, Kharis Fadlullah
AL-IQTISHAD : Jurnal Perbankan Syariah dan Ekonomi Islam Vol. 3 No. 1 (2025): AL-IQTISHAD : Jurnal Perbankan Syariah dan Ekonomi Islam
Publisher : Program Studi Perbankan Syariah, Sekolah Tinggi Agama Islam Negeri (STAIN) Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/iqtishad.v5i1.5061

Abstract

Abstrak Di era digital yang semakin berkembang, perbankan syariah pun turut bertransformasi dengan menghadirkan layanan mobile banking berbasis aplikasi. Salah satunya adalah Byond dari Bank Syariah Indonesia (BSI), yang tidak hanya menawarkan fitur keuangan, tetapi juga sosial dan spiritual dalam satu platform. Namun, seberapa besar minat generasi muda untuk menggunakannya masih menjadi pertanyaan penting. Penelitian ini mencoba menjawab hal tersebut dengan mengkaji bagaimana persepsi terhadap manfaat dan kemudahan penggunaan aplikasi Byond memengaruhi minat pengguna untuk menggunakannya. Menggunakan pendekatan kuantitatif dan teori Technology Acceptance Model (TAM), data dikumpulkan dari 80 responden Generasi Z di wilayah Kudus, Pati, Jepara, dan Demak. Hasil analisis menunjukkan bahwa baik persepsi manfaat maupun persepsi kemudahan berpengaruh signifikan terhadap minat menggunakan aplikasi ini, dengan kemudahan sebagai faktor yang paling dominan. Temuan ini menjadi cermin bahwa generasi muda lebih tertarik pada teknologi yang praktis, mudah digunakan, dan tetap relevan dengan nilai-nilai syariah. Oleh karena itu, pengembangan fitur aplikasi harus terus diarahkan pada kebutuhan nyata pengguna, terutama dalam hal kemudahan dan kebermanfaatan. Kata kunci: Byond BSI, persepsi manfaat, persepsi kemudahan, minat, TAM Abstract In today’s digital era, Islamic banking is also evolving by offering mobile banking services through modern applications. One of them is Byond by Bank Syariah Indonesia (BSI), a superapp that blends financial, social, and spiritual features into a single platform. Yet, a key question remains: how interested are young people in actually using it? This study explores how perceived usefulness and ease of use influence user interest in the Byond app. Using a quantitative method and the Technology Acceptance Model (TAM) framework, data were gathered from 80 Generation Z respondents across Kudus, Pati, Jepara, and Demak. The analysis reveals that both perceived usefulness and ease of use significantly impact users' interest, with ease of use emerging as the stronger factor. These findings highlight that young users are drawn to technology that is simple, accessible, and aligned with Islamic values. As such, the development of digital banking services must stay user-centered ensuring practicality and purpose in every feature offered. Keywords: Byond BSI, perceived usefulness, perceived ease of use, interest, TAM
The Influence of Cashless Society and Financial Literacy on Gen Z's Consumptive Behavior with Self-Control as an Intervening Variable Dewi, Cahaya Maulida; Hana, Kharis Fadlullah
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 4, No 2 (2025): Jun 2025
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v4i2.25287

Abstract

The increasing use of digital transactions among students encourages more practical financial patterns, but is prone to triggering consumptive behavior. Meanwhile, financial literacy that has not been fully implemented is an obstacle in controlling the urge to digital consumption. This study aims to analyze the effect of cashless society and financial literacy on consumptive behavior with self-control as an intervening variable. The quantitative descriptive associative research approach using SEM-PLS on FEBI UIN Sunan Kudus Students. The results of the study indicate that cashless society has a positive and significant effect on consumptive behavior, while financial literacy does not have a significant effect on consumptive behavior. Cashless society also does not affect self-control, but financial literacy has a positive effect on self-control. Self-control has a positive effect on consumptive behavior and mediates the effect of financial literacy on consumptive behavior, but does not mediate the effect of cashless society on consumptive behavior. Further research is recommended to expand the scope of the population and respondent area, use a mixed methods approach, and add other variables.
THE EFFECT OF TRUST AND SERVICE QUALITY ON BSI MOBILE BANKING USER SATISFACTION WITH CUSTOMER LOYALTY AS AN INTERVENING VARIABLE (CASE STUDY OF IAIN KUDUS STUDENTS) JABBAR, MUHAMMAD QISMATAL; HANA, KHARIS FADLULLAH
Islamic Economic and Business Journal Vol. 7 No. 1 (2025): Islamic Economic and Business Journal
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v7i1.9258

Abstract

This study aims to analyze the influence of trust and service quality on the loyalty of BSI Mobile Banking users, with customer satisfaction as an intervening variable. The study was conducted on IAIN Kudus students as active users of BSI Mobile. The associative quantitative method was used in this study, with data analysis techniques using Structural Equation Modeling (SEM) based on Partial Least Square (PLS) through SmartPLS software. The results showed that trust had a significant effect on loyalty, while service quality did not have a significant effect. Customer satisfaction as an intervening variable also did not have a significant effect on user loyalty. This study provides new insights for the development of mobile banking applications based on trust and quality service in the context of Islamic banking.
Non Performing Finance: Bagaimana Pengawasan Pembiayaan di Baitul Maal Wa Tamwil? Hana, Kharis Fadlullah; Andriani, Fazley Noor
Al-Mal: Jurnal Akuntansi dan Keuangan Islam Vol. 3 No. 1 (2022): Juni 2022
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mal.v3i1.11298

Abstract

Penelitian ini bertujuan untuk menganalisis bagaimana pengawasan pembiayaan di BMT Mubarakah Kudus, khususnya Pengawasan Pembiayaan Murabahah, Penilaian pengawasan pembiayaan Murabahah. Metode penelitian ini menggunakan pendekatan kualitatif dan menggunakan data primer, yaitu data yang diperoleh langsung dari lapangan, data ini didapat dari hasil observasi dan wawancara langsung. Kemudian data sekunder didapat dari buku-buku dan jurnal yang berkaitan dengan judul Analisis Pengawasan Pembiayaan. Hasil penelitian ini menyimpulkan bahwa Murabahah merupakan salah satu jenis pembiayaan yang ditawarkan oleh BMT Mubarakah Undaan Kudus.  BMT Mubarakah Undaan Kudus melakukan kegiatan pengawasan pembiayaan murabahah yaitu pengawasan secara preventif dan pengawasan secara represif, analisis pengawasan pembiayaan murabahah pada BMT Mubarakah Kudus menggunakan analisis character, capital, capacity, collecteral, and condition (5C). Keterbatasan pada penelitian ini hanya berfokus pada objek penelitian yaitu BMT sehingga membuka peluang bagi peneliti yang lain untuk menambahkan objek yang lebih luas. Implikasi pada penelitian ini yaitu pembiayaan murabahah mempunyai peranan penting dalam perkembangan BMT Mubarakah Kudus, untuk menghindari pembiayaan bermasalah Pengawasan di BMT Mubarakah Undaan Kudus dengan menjalankan pengawasan langsung dan pengawasan administrative.
A Bank Muamalat's Resilience: The Role of Funding Policy in Overcoming Economic Challenges: Ketahanan Bank Muamalat : Peran Kebijakan Pendanaan Dalam Mengatasi Tantangan Ekonomi Putri, Rizka Sabila; Hana, Kharis Fadlullah
JIES : Journal of Islamic Economics Studies Vol. 5 No. 2 (2024): Juni
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/jies.v5i2.6492

Abstract

This research aims to analyze the resilience of Bank Muamalat in facing economicchallenges, as well as the role of funding policies in overcoming these challenges. The researchmethod employed is a descriptive qualitative approach with a case study on the Kudus BranchOffice of Bank Muamalat. Data was collected through interviews with relevant parties at the bank,direct observation, and literature review.The results show that Bank Muamalat implements strict credit analysis through a multistage screening process to avoid default risk. During economic crises, financing requirements weretightened and only provided to customers with fixed incomes from reputable companies. Economicand market conditions were continuously monitored to evaluate and adjust funding policies,including financing requirements. In managing liquidity, Bank Muamalat collaborated withvendors, particularly for large withdrawals, taking into account insured cash limits. Compliancewith regulations from the Financial Services Authority (OJK), Bank Indonesia (BI), and internalStandard Operating Procedures (SOPs) was a priority in funding and operational management.Product innovations such as the Prima Berhadiah Savings were also introduced to raise publicfunds. This research provides a deeper understanding of Bank Muamalat's resilience in facingeconomic challenges, as well as the role of the implemented funding policies. These findings canserve as input for Bank Muamalat and regulators in enhancing the resilience of Islamic banks inthe future.
Co-Authors Absor, Choirul Afwan, Arju Agusvinatassari, Dhuwik Iffuk Aini, Muslikhatul Aini, Nor Alimin, Masnaini Andini, Riyan Andriani, Fazley Noor Anita Rahmawaty Aslicha, Ghina Chodlir, Enggar Arrosyad Dewi, Cahaya Maulida Elfayet, Tsaniya Almer Firmansah, Rendy Hidayah, Noor Laili JABBAR, MUHAMMAD QISMATAL Lainufar, Sifda Miranti, Ajeng Rizki Mufidah, Evi Nailul Muhammad Mustaqim Mustaqim, Bagus Sirot Nur, Fatikha Rizqya Paryono Pusaka, Semerdanta Putri, Rizka Sabila Qodar, Muhammad Ali Qoyyimah Qoyyimah Rahmatiyah, Isna Nor Ramadhani, Dea Cahya Ramadhani, Eggi Syifana Ridwan, Ridwan Rukhmianti, Septiana Titin Dwi Safitri, Sefira Uzha Salsabila, Arina 'Aina Sari, Sisca Apriliana Sefiana, Amanda Zelin Setiawan, Muhammad Nanda Sugianto Sugianto Supriyadi Supriyadi Triyansyah, Taymi Ulya, Faridha Naila Viviani, Vinda