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All Journal Journal of Islamic economy and Community Engagement Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah EKONOMIKA SYARIAH : Journal of Economic Studies Journal of Business Management and Islamic Banking Jurnal Magister Ekonomi Syariah
Khoiruddin, Akhmad Yusuf
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Religion Economics, Econometrics & Finance Education Social Sciences

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Determinants of Environmental Quality in Yogyakarta: Panel-Data Approach Salwa Nabella Aksi Humanita; Ibnu Muhdir; Khoiruddin, Akhmad Yusuf
Jurnal Magister Ekonomi Syariah Vol. 3 No. 1 Juni (2024): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2024.031-02

Abstract

Environmental degradation is an important issue that currently challenges the continuity of sustainable economic development in a big city like Yogyakarta. This study analyzes what factors affect environmental quality. By using annual panel data from 2017-2023 in Yogyakarta City and proposing Panel Data Regression Analysis as the analysis method. The results show that GDP and Education have a positive effect on Environmental Quality, Population has no significant effect on Environmental Quality, and Tourists have a negative effect on Environmental Quality. An increase in per capita income and getting a proper education will improve the quality of the environment. However, the increase in population has no effect because public awareness still needs to be improved in environmental conservation efforts. Tourists increase consumption, so environmental pollution is getting higher. The implications of this research are useful for the government to develop policies that focus on raising awareness and stricter environmental regulations in Yogyakarta.
Factors Influencing Choice of Islamic Digital Banking: Opportunity or Challenge for the Islamic Finance Industry? Riza, Alex Fahrur; Khoiruddin, Akhmad Yusuf; Ibrahim, Muhammad Hanif
Journal of Islamic Economy and Community Engagement Vol. 3 No. 1 (2022)
Publisher : FEBI UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jiecem.2022.3.1.1865

Abstract

Purpose - This study aims to test the TAM model to determine people's perceptions of digital banking. Although empirical research has been conducted on the introduction of digital banking, this is still minimal in the Islamic banking context, as the use of digital banking in Islamic banks is still new.Design/methodology –This study is descriptive and quantitative using survey methods to measure an individual's perception of digital banking in Islamic banks. The survey contains closed and open-ended questions to measure the perception of mobile banking users based on the Technology Acceptance Model (TAM). This survey uses a voluntary survey of respondents scattered across different cities in Indonesia. Data analysis uses SEMPLS 7.0 and SPSS23.Findings -Originality - In addition to testing the TAM digital banking model of the original Islamic bank, this study also examines the potential for new variables that emerge from customer perceptions and uses the data to create new unique to Shariah's recruitment-based banks. We propose variables / models according to the technology. We will also consider obstacles to the introduction of digital banking by Islamic banks.
Pengaruh Lokasi, Personal Selling, dan Sales Promotion terhadap Minat Masyarakat Menjadi Nasabah di BPRS Bangun Drajat Warga Arfiani; Khoiruddin, Akhmad Yusuf
Journal of Business Management and Islamic Banking Vol. 1 No. 1 (2022)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2022.011-01

Abstract

Research Aims: Sharia People's Financing Bank (BPRS) is a financial institution that conducts its activities based on sharia principles. Currently, BPRS is growing in Indonesia, with the development of BPRS, many new BPRS will appear and of course will lead to competition between BPRS and others. Location as a company's operational place has a strategic function because it can determine the achievement of a company, while personal selling is an important partner in world marketing communications. The sales promotion as a form to present the product. Design/methodology/approach: In this study using quantitative methods that aim to determine the effect of location, personal selling, and sales promotion on public interest in becoming customers at BPRS Bangun Drajat Warga. For the purpose of this study, 110 samples were used from the community around the BPRS Bangun Drajat Warga head office, domiciled in a radius of 2 km from the BPRS Bangun Drajat Warga head office, using a purposive sampling technique.Put your text here (Cambria 10pt). Research Findings: Based on the results of the research that the location t test has no effect and is not significant because the t count < t table is -0.532 < 1.982. In personal selling based on the t test that personal selling has a positive and significant effect because the t count > t table is 2,000 > 1,982 and sales promotion based on the t test has a positive and significant effect because the t count > t table is 3,361 > 1,982
The Effect of Islamic Financial Inclusion, Urbanization, Inflation, and GDP on Poverty in Indonesia Nasution, Qisti Marhamah; Khoiruddin, Akhmad Yusuf; Slamet Haryono
Jurnal Magister Ekonomi Syariah Vol. 2 No. 2 Desember (2023): J-MES: Jurnal Magister EKonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2023.022-06

Abstract

This research aims to assess the influence of Islamic financial inclusion, urbanization, inflation, and GDP on the alleviation of poverty in Indonesia. The methodology employed is quantitative, utilizing secondary data in a panel data format spanning the period from 2018 to 2022. A total of 165 samples were gathered, and the data underwent processing through Eviews 10. The findings indicate that individually, the Sharia Financial Inclusion Index (IIKS), inflation, and GDP do not exhibit a significant impact on poverty reduction in Indonesia. Conversely, urbanization has a noteworthy and negative effect on poverty reduction in Indonesia. When considered collectively, the IIKS, urbanization, inflation, and GDP variables jointly exert a substantial influence on poverty reduction in Indonesia, reflected in an Adjusted R-squared value of 98%, while the remaining 2% is attributed to other unexplored factors in this study. For future research endeavors, it is advisable to introduce additional variables for a more comprehensive and profound exploration of this subject.
Keadilan dan Niat Keberlangsungan Nasabah Pasca Serangan Siber: Peran Kepuasan Pemulihan Layanan Rini, Susanti Sinta; Hidayat, Farid; Khoiruddin, Akhmad Yusuf; Asyari, Mahfud
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 9 No 2 (2025)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v9i2.5563

Abstract

The development of digitalisation is increasing, especially in the banking sector. This is an opportunity for hackers to hack into the system and steal data to demand ransom. This study aims to analyse the effect of Distributive Justice, Procedural Justice, and Interactional Justice on customers' sustainable intention to use BSI after cyber-attacks with service recovery satisfaction as an intervening variable. The object of this research is customers domiciled in the Special Region of Yogyakarta. This research is primary data with data collection techniques using questionnaires and 168 respondents were obtained. This research method uses SEM-SmartPLS version 3.0. The results found from this study indicate that only Procedural Justice, and Interactional Justice have a significant effect on the sustainability intention of BSI customers after cyber-attacks with service recovery satisfaction as an intervening variable.
Determinant of Tourist Satisfaction on Halal Tourism: Examining the Religious Aspect as a Moderating Variable Wibowo, Muhammad Ghafur; Khoiruddin, Akhmad Yusuf
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 6 No. 1 (2022): January - June 2022
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v6i1.5575

Abstract

The objectives of this study are to test the relationship between tourism motivations and tourist satisfaction, and to test how ‘Religion’ moderates the relationship in Bukittinggi City, West Sumatera. The variable ‘Religion’ is represented by the availability of Islamic norms and practices which are relevant to tourism at the destination. The results of the Partial least square (PLS) indicated that the tourism motivations are significantly and positively related to tourist satisfaction. The results also showed that Islamic attribute significantly affect the tourist satisfaction. Travel motivation consisting of pull motivation and push motivation has also been shown to have a significant effect on tourist satisfaction.Tujuan dari penelitian ini adalah untuk menguji hubungan antara motivasi wisata dan kepuasan wisatawan, dan untuk menguji bagaimana 'Agama' memoderasi hubungan tersebut. Studi kasus dalam Penelitian ini adalah Halal Tourism di Kota Bukittinggi, Sumatera Barat. Variabel ‘Agama’ diwakili oleh tersedianya norma dan praktik Islam yang relevan dengan pariwisata di destinasi. Hasil Partial least square (PLS) menunjukkan bahwa motivasi wisata berhubungan positif dan signifikan dengan kepuasan wisatawan. Hasil penelitian juga menunjukkan bahwa atribut Islami berpengaruh signifikan terhadap kepuasan wisatawan. Motivasi perjalanan yang terdiri dari motivasi tarikan dan motivasi dorongan juga terbukti memiliki pengaruh yang signifikan terhadap kepuasan wisatawan.
Co-Authors Arfiani Asyari, Mahfud Farid Hidayat Ibnu Muhdir Ibrahim, Muhammad Hanif Muhammad Ghafur Wibowo, Muhammad Ghafur Nasution, Qisti Marhamah Rini, Susanti Sinta Riza, Alex Fahrur Salwa Nabella Aksi Humanita Slamet Haryono