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All Journal Riset Akuntansi dan Keuangan Indonesia Jurnal Ilmiah Ekonomi Islam Perisai : Islamic Banking and Finance Journal MBIA Jurnal Menara Ekonomi : Penelitian dan Kajian Ilmiah Bidang Ekonomi JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi JBMR: Journal of Business and Management Review JIMEBIS Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Al Basirah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Islamic economics Perspectives (JIEP) Journal of Ekonomics, Finance, and Management Studies IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Jurnal Studi Islam dan Sosial JUEBIR: Journal of Economics and Business Research Jurnal Kajian Ekonomi dan Bisnis Islam BAABU AL-ILMI: Ekonomi dan Perbankan Syariah JIFA (Journal of Islamic Finance and Accounting) Journal of Shariah Economics
Mufti Arief Arfiansyah
Universitas Islam Negeri Raden Mas Said Surakarta
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MAHASISWA UIN RADEN MAS SAID SURAKARTA DALAM BERINVESTASI SYARIAH DI BMT MAZAYA Arfiansyah, Mufti Arief; Latifah, Nanda Nur; Amelia, Lailatul
Lisyabab : Jurnal Studi Islam dan Sosial Vol 4 No 1 (2023): Lisyabab, Jurnal Studi Islam dan Sosial
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Sekolah Tinggi Agama Islam Mulia Astuti (STAIMAS) Wonogiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58326/jurnallisyabab.v4i1.144

Abstract

The purpose of this study was to determine the factors that influence the interest of UIN Raden Mas Said Surakarta students in making sharia investments at BMT Mazaya. The study used a quantitative approach with a population of UIN RMS Surakarta students. The sampling method in this study used random sampling of 100 respondents. The research instrument with a questionnaire using a Likert scale. Data analysis used multiple linear regression analysis and assisted with SPSS software. The research data was tested with validity test, reliability test, classical assumption test, and hypothesis test. The results of the study lead to conclusions that affect student interest are products that have a significant effect on interest, while promotions, places and prices have less significant effect on student interest in investing in BMT Mazaya.
Pengaruh Literasi Keuangan Syariah Terhadap Inklusi Keuangan Syariah pada Pondok Pesantren Di Wonogiri Arfiansyah, Mufti Arief
Lisyabab : Jurnal Studi Islam dan Sosial Vol 5 No 1 (2024): Lisyabab, Jurnal Studi Islam dan Sosial
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Sekolah Tinggi Agama Islam Mulia Astuti (STAIMAS) Wonogiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58326/jurnallisyabab.v5i1.266

Abstract

The level of Islamic financial literacy is still low compared to the national financial literacy level. One of the government's efforts by promulgating Law Number 18 of 2019 concerning Islamic boarding schools has made Islamic boarding schools have a major role in the development of Islamic finance. Islamic boarding schools are a place to improve Islamic financial literacy and form Islamic financial inclusion. The purpose of this study is to analyze the Effect of Islamic Financial Literacy on Islamic Financial Inclusion in Islamic Boarding Schools in Wonogiri. This study used quantitative methods with data collection using questionnaires analyzed with linear regression analysis methods and assisted by SPSS software. The sample in the study was 158 respondents consisting of kiai, managers, teachers, education staff, and students in 35 Islamic boarding schools in Wonogiri. Research questionnaires have been tested for both validity and reliability. Then the research data has also met the prerequisites for analysis, namely the normality test, linearity test and heteroscedasity test. The results showed that Islamic financial literacy has a positive effect on Islamic financial inclusion in Islamic boarding schools in Wonogiri. Islamic financial literacy has a strong relationship with Islamic financial inclusion in Islamic boarding schools in Wonogiri by 75%. Meanwhile, Islamic financial literacy can affect 56.3% of Islamic financial inclusion. This research shows good financial literacy and will increase the realization of Islamic financial inclusion. The results of this study have an impact on the implementation of education and da'wah in Islamic boarding schools. Islamic boarding schools are not only tasked with organizing Islamic education and Islamic da'wah but also empowering and prospering Islamic boarding schools and communities through providing Islamic financial literacy for all pesantren organizers.
Determining Factors in The Interest of Using QRIS (A Case Study of MSMEs in Karanganyar Regency): Faktor-Faktor Yang Menentukan Minat Penggunaan QRIS (Studi Kasus UMKM Di Kabupaten Karanganyar) Khasanah, Dina Uswatun; Arfiansyah, Mufti Arief
Perisai : Islamic Banking and Finance Journal Vol. 9 No. 2 (2025): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i2.1785

Abstract

MSMEs or Micro, Small and Medium Enterprises have a vital role in maintaining the stability of the Indonesian economy. MSMEs as one of the merchant users of QRIS are required to continue to be creative and adapt to increasingly advanced technological advances. This study aims to examine the relationship between interest in utilizing QRIS among MSME actors in Karanganyar Regency with factors of convenience, perceived benefits, security, and knowledge. The data used consists of primary data, specifically collected through distributing questionnaires and conducting interviews with MSME owners. The research population was 95 respondents using the purposive sampling method. The analysis method in solving the problems studied and testing the hypothesis is multiple regression analysis. The data processing process uses SPSS software version 26. The research findings state that the variables of perceived benefits & knowledge have an influence on interest in using QRIS and convenience & security have no influence on the dependent variable.
AKSELERATOR FILANTROPI SYARIAH: SIGNIFIKANSI ROA, ROE, DAN FDR DALAM MENENTUKAN BESARAN ZAKAT BANK MUAMALAT Riries Restu Ningsih; Arfiansyah, Mufti Arief
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 1 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i1.18655

Abstract

The purpose of this study isto determine whether financial performance, which includes Return On Assets (ROA), Return On Equity (ROE), and Financing to Deposit Ratio (FDR), has a significant effect on Bank Muamalat's zakat expenditure, both partially and simultaneously. This study applies aquantitative method The data sources and samples used consist of Bank Muamalat Indonesia's quarterly financial reports from 2015 to 2024, which are available in full. Data collection was carried out using the documentation method. The data used is secondary data obtained from the official website of BankMuamalat. To analyze the information obtained, this studyapplies the multiple linear regression method. The research findings indicatethat ROA and ROE do not have a significant effect onBank Muamalat's zakat expenditure, while FDR shows a significant effect. Overall, the three variables, namely ROA, ROE, and FDR, have a significant effecton zakat expenditure at Bank Muamalat.
Determinants Of Islamic Insurance Purchase Intention Among Generation Z In Surakarta: An Extended Theory Of Planned Behavior Approach Saputra, Muhammad Mario Febrian; Arfiansyah, Mufti Arief
Journal of Islamic Economics Perspectives Vol. 8 No. 1 (2026): Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/5ajs4v91

Abstract

This study examines the determinants of Generation Z’s purchase intention toward Islamic insurance in Surakarta City using an extended Theory of Planned Behavior (TPB) framework. Despite the positive growth of the Islamic insurance industry in Indonesia, the level of insurance literacy and public participation remains relatively low, particularly among young generations. This condition is further exacerbated by negative risk perceptions and declining public trust due to several insurance failure cases. Positioning itself within behavioral finance and Islamic economics literature, this study integrates Islamic insurance literacy, perceived risk, social environment, and trust as explanatory variables influencing purchase intention. Employing a quantitative explanatory research design, data were collected from 100 Generation Z respondents in Surakarta City using a structured questionnaire and analyzed through multiple linear regression with SPSS. The results indicate that Islamic insurance literacy, social environment, and trust have a positive and significant effect on purchase intention, while perceived risk has a negative and significant effect. Trust emerges as the most influential factor in shaping purchase intention. These findings highlight the importance of strengthening literacy programs, improving institutional credibility, and managing risk perceptions to enhance Generation Z’s engagement with Islamic insurance products. This study contributes empirically by offering an integrated behavioral model that explains Islamic insurance purchase intention among Generation Z in a local Indonesian context.
Analisis Motif Tren PayLater pada Kalangan Anak Muda di Kota Solo dalam Perspektif Syariah Yafenia Putri Tirta Biru; Mufti Arief Arfiansyah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i6.7380

Abstract

The Indonesian government declares an increase in NPF of BNPL distribution to young people. This study aims to determine the effect of life needs, lifestyle, peer attachment, and sharia financial literacy on paylater usage decisions among young people in Solo. This study employs quantitative methodology, employing path analysis with SPSS version 27 as the data analysis tool. The research population consisted of Solo-domiciled Muslims aged 19-34 years who have used paylater at least once. Sourced the data used in this study using primary data obtained from distributing questionnaires to 100 respondents. The result of this study indicates that life needs, peer attachment, and sharia financial literacy all significantly improve the decision to use PayLater. Lifestyle, however, has no bearing on the decision to use PayLater. Despite this, the separate factors influence PayLater usage decisions at the same time.
Analisis Komparasi Kinerja Keuangan Bank Syariah dengan Bank Non Syariah di Indonesia Yogi Kurniawan; Mufti Arief Arfiansyah
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i1.717

Abstract

The development of Indonesia's financial system has shown rapid growth, with Islamic banks increasingly occupying a significant position in providing financial services in accordance with Islamic principles. However, views on the financial performance of Islamic and conventional banks in Indonesia still vary. Therefore, this research aims to examine the differences in financial performance between Islamic and conventional commercial banks during the period of 2018-2022. In this study, the purposive sampling method was used to select samples from eleven conventional and Islamic commercial banks. Secondary data in the form of financial reports were obtained from the official website of the Financial Services Authority (OJK) and the official websites of the banks under study. The tested research variables include Risk Profile ratios, Good Corporate Governance (GCG), Earnings, and Capital. Hypothesis testing was conducted by applying independent sample t-tests and Mann-Whitney tests for data analysis. The findings indicate that there is no significant difference in credit risk and liquidity risk between the two categories of banking institutions. However, there is a significant difference in the implementation of GCG and Return on Assets (ROA) between Islamic and conventional commercial banks. Overall, the financial performance of Islamic Commercial Banks demonstrates superiority in ROA and Capital Adequacy Ratio (CAR), while Conventional Commercial Banks excel in Good Corporate Governance (GCG) and Operational Cost to Operating Income (BOPO).
Analisis Pengaruh Kemudahan, Kegunaan dan Tingkat Resiko Terhadap Keputusan Masyarakat Sukoharjo Menggunakan Shopeepay Mufti Arief Arfiansyah; Defi Vebriani; Afifatul Makarim
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 4 No. 1 (2023): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jimebis.v4i1.290

Abstract

In today's digital era, information progress is spreading fast and getting more advanced. Technology transfer can control various elements of people's habits that impact daily activities. The use of social media by mobile phones is increasing every year. The annual increase causes various innovations, one of which is financial technology or fintech. An example of fintech that is often used today is the Shopeepay e-wallet. The purpose of this analysis is to understand the impact of convenience, usability & risk on the certainty of using Shopeepay in the Sukoharjo Regency area. This form of study uses prime data. How to take samples with cluster random sampling. The total sample is 100 respondents by providing an online questionnaire in the form of a G-Form. Multiple linear regression with SPSS 23 is used for data processing. Simultaneous research on usage decisions. It is known that the results of the research that the researchers conducted were that perceived convenience had no significant impact on the decision to use shopeepay, then perceived usefulness had an effect on using shopeepay, and perceived risk had an effect on decisions on using shopeepay in the community in Sukoharjo. The results of the validity test are declared valid, and the reliability test is declared reliable
Determinan Minat Beli Asuransi Jiwa Syariah Pada Kalangan Generasi Milenial Di Kota Surakarta Kamelya Azzahra; Mufti Arief Arfiansyah
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.10687

Abstract

Sharia compliant life insurance stands out as a really great way to handle your money. It is seen as very valuable because it fits with the sharia law rules and pushes the idea of those in the insurance plan supporting one another. However, the community looks at some important things when trying to get millennials in Surakarta City more keen on purchasing sharia life insurance choices. The things that were looked at are how big the contribution amounts are, what good things the insurance covers, how it is promoted, understanding what it is, and everyone's thoughts when considering how interested they might be. The main focus of this study is on purchase intent, which is seen as the thing being impacted. This research uses a numerical method, with information gathered from surveying 100 millennials between 30 and 44 years old in Surakarta City, chosen through a method that picks people randomly. The data was processed and checked using SPSS 25 software for running tests. The samples were checked to see if they measure things properly and how consistent they are by using tests to check for validity and reliability. After this, some linear regression analyses are done, along with tests to make sure standard statistical assumptions are correct, separate assessments (t-tests), combined evaluations (F-tests), and numbers showing how well the model fits the data. The study's findings show that fund contributions and personal opinions affect whether they plan to buy. In the meantime, insurance payouts, job advancement, and understanding products don't have much impact on their own. But all the different things together do change how likely people are to buy Sharia life insurance. This work should help with making good marketing plans for Sharia life insurance businesses that fit with Sharia beliefs and rules. The main aim here is to see what makes young adults in Surakarta think about getting Sharia life insurance.
Co-Authors Afifatul Makarim Amelia, Lailatul Anisa Nur Fitriyanti Catur Nugroho Defi Vebriani Edi Suminto Fatchan Achyani Fifi Nur Haryanti Kamelya Azzahra Khasanah, Dina Uswatun Lailatul Amelia Latifah, Nanda Nur Miftahul Jannah Muhammad Fikri Hidayat Nanda Nur Latifah Nur Hanifa, Luthfia Ofvie Qonita Rahmawati Putri, Melinda Anggias Rahmawati, Silvia Riries Restu Ningsih Rudiatna, Talitha Dwi Saputra, Muhammad Mario Febrian Shekar Maulida Salsabila Sucik Lestari Triyono Triyono Triyono Widyaningsih, Meilana Yafenia Putri Tirta Biru Yogi Kurniawan Yogi Kurniawan