Garuda - Garba Rujukan Digital

Memperkuat Ekosistem Investasi Digital melalui Pelatihan TOT Pembentukan Galeri Investasi Digital (GIDIG) Pertama di Priangan Timur Mulyani, Elis Listiana; Rinandiyana, Raden Lucky Radi; Rahmani, Dede Arif; Budiman, Asep; Subrata, Ali; Sani, Ageng Asmara; Badriatin, Tine
Abdimas Galuh Vol 6, No 2 (2024): September 2024
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/ag.v6i2.16106

Pasar Modal Indonesia mengalami peningkatan jumlah investor yang luar biasa akibat dari perkembangan teknologi. Teknologi juga membawa perubahan perilaku investasi di kalangan generasi muda. Sebelumnya, investasi sering diasosiasikan dengan citra seorang lelaki berpenampilan rapi yang terlibat dalam transaksi langsung. Namun, kini, generasi muda menunjukkan sikap yang lebih bijaksana dan matang, didukung oleh kemajuan teknologi yang memudahkan akses ke berbagai instrumen investasi. Pandemi virus corona juga menegaskan urgensi membangun kekayaan jangka panjang, memperkuat kesadaran akan pentingnya berinvestasi untuk masa depan. Data dari Kustodian Sentral Efek Indonesia (KSEI) menunjukkan peningkatan signifikan minat terhadap investasi, terutama di pasar modal, dengan pertumbuhan yang stabil dalam jumlah investor, khususnya dalam investasi reksa dana, Surat Berharga Negara (SBN), dan saham. Pengabdian ini bertujuan untuk memperkenalkan konsep pasar modal kepada mahasiswa Institut Agama Islam Tasikmalaya (IAIT) melalui pendirian Galeri Investasi Digital (GIDIG). GIDIG diharapkan menjadi wadah yang efektif dalam memberikan pemahaman dan pengalaman praktis mengenai investasi di pasar modal, serta memfasilitasi akses terhadap data dan informasi terkini tentang pasar modal. Melalui berbagai kegiatan seperti seminar, workshop, dan pelatihan investasi, pengembangan aplikasi mobile dan platform online GIDIG, serta pendampingan dan bimbingan kepada mahasiswa, diharapkan terjadi peningkatan pemahaman, minat, dan partisipasi dalam aktivitas investasi, serta pengembangan keterampilan praktis dalam mengelola investasi. Hasil dari pengabdian ini diharapkan dapat memberikan kontribusi positif terhadap literasi keuangan, peningkatan literasi digital, dan keterlibatan aktif industri keuangan dan pasar modal dalam pendidikan dan pengembangan generasi muda. Luaran yang dihasilkan berupa Jurnal terakreditasi, HKI, MoU dan IA kerjasama IAIT dan FEB UNSIL

Impact of Service Quality and Application of Sharia Principles on Consumer Intention of Sharia Hotel Kamal, Al Haq; Salam, Abdul; Sani, Ageng Asmara; Brojosetami, Prabumadya; Sudibyo, Tyagita Dianingtyas
Journal of Digital Marketing and Halal Industry Vol. 3 No. 2 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2021.3.2.8269

This research aims to measure and analyze the influence of quality of service and the application of sharia principles to consumers at Syariah Hotel Limaran. The data used in this study is primary data. Although the method of data collection used is simple random sampling with a sample of 60 customers of Syariah Limaran hotel, this research also uses observation, questionnaires, and documentation. The data analysis techniques in this study are descriptive analysis tests, multiple linear regression tests, partial (t) tests, simultaneous tests (f), and determinant coefficients (r2). Results obtained based on t and f test results produce a significant value of 0.05. Then the R Square value of 0.461 indicates that an independent variable can affect dependent variables by 46.10%. While other variables outside this study explain the remaining 53.90%. The study concludes that the quality of service and the application of sharia principles affect consumers' intention in Sharia hotels.

Understanding Consumer Behavior: Halal Labeling and Purchase Intentions Sani, Ageng Asmara; Rahmayanti, Dini; Kamal, Al- Haq; Ilmiah, Dunyati; Abdullah, Norhayati Binti
Journal of Digital Marketing and Halal Industry Vol. 5 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2023.5.1.16543

The rapid growth of the Muslim community in the world certainly increases the demand for halal products. This causes halal products to become a necessity. This dynamic needs to be supported by state authorities' guarantee of halal products. This study provides an overview of the role of Halal labelling in influencing individuals to consume Halal products based on their levels of religiosity, knowledge of Halal products, and attitudes towards consuming such products. Additionally, the sampling focus of this study was on Java Island, where access to information technology is widespread, facilitating ease of access to relevant information regarding Halal products. A quantitative approach was employed in this research, utilizing primary data obtained by distributing questionnaires to the residents of Java Island. The construction of the research model is reflected in an adjusted R-squared value of 54.50%, indicating that the independent variables significantly influence the dependent variable. Based on the findings of this research, both knowledge and attitudes have a positive and significant impact on the intention to consume Halal products, whereas religiosity does not. The study recommends that the government consider streamlining and reducing the costs associated with Halal labelling to make it more accessible to micro-scale producers. These measures are expected to support the development of the Halal product market and foster sustainable economic growth.

Pemanfaatan Teknologi Untuk Peningkatan Layanan BPJS Pada Perbankan Syariah Ilmiah, Dunyati; Sani, Ageng Asmara; Wonoseto, Muhammad Galih
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2021)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v7i1.2928

This research measures and analyzes the use of technology to improve BPJS services in Islamic banking using the Survey on Financial Inclusion and Access SOFIA data. Data was collected in 2017 in four provinces, namely East Java, West Nusa Tenggara, East Nusa Tenggara, and South Sulawesi with a total number of respondents 19,634. The findings in this study reveal that 98.36% of people pay BPJS using the cash method and 1.64% of people use technology. From the data above, it can be concluded that the people in the four provinces are very minimal related to financial inclusion, people prefer to make cash payments rather than using payment service facilities in Islamic banking. The results of this study attracted the attention of policymakers to improve information and education related to financial inclusion.

Analisis Financial Technology (Fintech) dalam Transaksi Pembayaran Menggunakan Pendekatan Adaptive Structuration Theory pada UMKM di Kota Banjar Munawar, Andri Helmi; Rahmani, Dede Arif; Hidayat, Deny; Sani, Ageng Asmara
INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Vol. 20 No. 2 (2024): Mei
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v20i2.1789

Tujuan penelitian ini adalah untuk menganalisis Financial Technology (Fintech) sebagai Transaksi Pembayaran pada UMKM di Kota Banjar, dan faktor-faktor yang mempengaruhi pola penggunaan layanan teknologi finansial sebagai sarana transaksi pembayaran. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif dengan analisis deskriptif, metode pengumpulan data dengan observasi, wawancara dan studi kepustakaan. Teknik sampling dalam penentuan informan menggunakan Purpossive Sampling. Teknik analisis data dalam penelitian ini adalah reduksi data, display data dan verifikasi data. Penelitian ini menghasilkan dua kategori kesimpulan utama, yang meliputi faktor-faktor yang berkontribusi terhadap penggunaan fintech dalam UMKM, serta model implementasinya. Faktor-faktor tersebut diidentifikasi melalui pendekatan Adaptive Structuration Theory (AST). Faktor-faktor yang ditemukan bisa dikelompokkan menjadi dua sub-kategori, yaitu faktor yang mendukung dan menghambat. Faktor-faktor pendukung meliputi kenyamanan, keamanan, kesesuaian transaksi, kemudahan, dan dampak positif terhadap bisnis, yang secara praktis mencakup kemudahan dalam pencatatan, proses transaksi yang lebih simpel, dan kenaikan penjualan.

The Dynamic Influence of Religiosity and Knowledge Mediated by Attitude on Consumer Intentions to Buy Halal Products in Indonesia Sani, Ageng Asmara; Sakifah, Sakifah; Hidayat, Deny
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 15, No 2 (2025)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/jesi.2025.15(2).126-146

Introduction : This study examines the dynamic influence of religiosity and knowledge, mediated by attitude, on consumer intentions to buy halal products in Indonesia, where the growing Muslim population has increased the demand for halal goods. Understanding the factors that shape this intention is essential for building consumer trust and strengthening the development of the halal sector. The research addresses how religiosity and knowledge affect purchase intention for halal products, with attitude acting as a mediating variable. This paper contributes by testing the indirect impact of religiosity and knowledge on purchase intention through attitude, a relationship that has not been fully examined in the Indonesian halal consumption context.Methodology: A quantitative method was applied using data from 180 respondents in six provinces across Java. Structural Equation Modeling (SEM) was conducted using LISREL, with Confirmatory Factor Analysis (CFA) employed for model validation.Results: Religiosity and knowledge influence purchase intention only indirectly through attitude (T = 2.56 and 2.87), while attitude itself has a direct significant effect (T = 3.79). Goodness-of-fit indices indicate a well-fitting model (GFI = 0.90, RMSEA = 0.051, Chi-Square = 165.64, df = 113).Conclusion: Attitude plays a critical mediating role between internal values and consumer intention. Stakeholders should focus on strengthening consumer attitudes through education and value based campaigns to boost halal product adoption.

The Dynamic Influence of Religiosity and Knowledge Mediated by Attitude on Consumer Intentions to Buy Halal Products in Indonesia Ageng Asmara Sani; Sakifah Sakifah; Deny Hidayat
JESI (Jurnal Ekonomi Syariah Indonesia) Vol. 15 No. 2 (2025)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/jesi.2025.15(2).126-146

Introduction : This study examines the dynamic influence of religiosity and knowledge, mediated by attitude, on consumer intentions to buy halal products in Indonesia, where the growing Muslim population has increased the demand for halal goods. Understanding the factors that shape this intention is essential for building consumer trust and strengthening the development of the halal sector. The research addresses how religiosity and knowledge affect purchase intention for halal products, with attitude acting as a mediating variable. This paper contributes by testing the indirect impact of religiosity and knowledge on purchase intention through attitude, a relationship that has not been fully examined in the Indonesian halal consumption context.Methodology: A quantitative method was applied using data from 180 respondents in six provinces across Java. Structural Equation Modeling (SEM) was conducted using LISREL, with Confirmatory Factor Analysis (CFA) employed for model validation.Results: Religiosity and knowledge influence purchase intention only indirectly through attitude (T = 2.56 and 2.87), while attitude itself has a direct significant effect (T = 3.79). Goodness-of-fit indices indicate a well-fitting model (GFI = 0.90, RMSEA = 0.051, Chi-Square = 165.64, df = 113).Conclusion: Attitude plays a critical mediating role between internal values and consumer intention. Stakeholders should focus on strengthening consumer attitudes through education and value based campaigns to boost halal product adoption.

A Comparative Analysis of Risk Perception, Risk Tolerance, and Expected Return on University Students’ Interest in Online Gambling and Stock Investment Marino, Wilman San; Badriatin, Tine; Sani, Ageng Asmara
Almana : Jurnal Manajemen dan Bisnis Vol. 9 No. 3 (2025): December
Publisher : Bandung: Prodi Manajemen FE Universitas Langlangbuana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/almana.v9i3.2970

The growing participation of university students in both stock investment and online gambling raises concerns regarding how psychological factors shape financial decision-making. This study aims to examine and compare the effects of risk perception, risk tolerance, and return expectation on students’ investment decisions by distinguishing between students who invest exclusively in stocks and those who invest in stocks while engaging in online gambling. A quantitative research design was employed using Partial Least Squares Structural Equation Modelling (PLS-SEM) to assess the structural relationships among the variables, complemented by independent samples t-tests to evaluate intergroup differences at the indicator level. The findings indicate that return expectation, risk perception, and risk tolerance all exert positive and significant effects on investment decisions, with return expectation emerging as the strongest predictor. However, comparative results reveal that most indicators do not differ significantly between the two groups, except for specific risk perception indicators, suggesting lower risk perception among students involved in online gambling. These results support Prospect Theory, Dual Process Theory, and Cognitive Distortion models by highlighting the role of cognitive biases and risk underestimation in gambling-related behavior. In conclusion, the study underscores the importance of financial literacy programs that emphasize accurate risk perception and cognitive debiasing strategies to mitigate students’ vulnerability to speculative and gambling-related behaviors.

Operational Efficiency and Financial Structure as Determinants of Return on Assets: Panel ARDL Estimation in the Banking Industry Andri Helmi Munawar; Ageng Asmara Sani; Dede Arif Rahmani; Cindera Syaiful Nugraha; Mira Rahmawati; Sakifah Sakifah
Jurnal Manajemen Bisnis Vol. 13 No. 1 (2026): March
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v13i1.1228

This study examines the effects of operational efficiency and financial structure on the profitability of conventional commercial banks in Indonesia during 2014–2022. Profitability is measured by Return on Assets (ROA), while the explanatory variables include Operating Expenses to Operating Income (BOPO), Debt to Asset Ratio (DAR), Capital Ratio (CR), and bank size (SIZE). Using secondary data from the annual financial statements of 12 conventional commercial banks, this study applies the Panel Autoregressive Distributed Lag (Panel ARDL) model with the Pooled Mean Group (PMG) estimator to distinguish short-run dynamics from long-run equilibrium relationships. The findings confirm the existence of a stable long-run relationship among the variables, as indicated by a significant error correction term. In the long run, DAR has a significant negative effect on ROA, while CR has a significant positive effect. SIZE shows a significant negative relationship with ROA, suggesting that larger banks in the sample may face scale-related inefficiencies. BOPO also has a positive and significant long-run effect on ROA, indicating that operating expenses may reflect broader operational and revenue-related conditions rather than cost inefficiency alone. In the short run, only CR and SIZE significantly affect ROA, whereas DAR and BOPO do not show significant effects. These findings highlight that bank profitability is shaped by dynamic internal adjustment processes and provide implications for bank managers and regulators in maintaining prudent leverage, strengthening capital resilience, and improving the quality of operational management.

Finacial Inclusion Profile In East Java Ageng Asmara Sani
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 12 No. 1 (2020)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v1i1.6160

This study aimed the financial literacy, financial inclusion, and financial technology in East Java Indonesia. Financial inclusion is one of the ways of solving economic problems. Therefore, to out from financial exclusion and enter financial inclusion the people must increase their understanding of financial literacy and try to use financial services. This study will describe financial literacy with two dimensions (knowledge and application dimension), financial inclusion about accessibility in saving and loan and financial technology (receiving money and paying bills). The data used based on the Survey on Financial Inclusion and Access (SOFIA) 2017 with 6.873 respondents. The descriptive analysis was applied as an approach of assessment.Â Finding on this research revealed that financial literacy, financial inclusion, using financial technology still very low especially in East Java. These results suggest that financial inclusion, financial literacy, and financial technology must be improving through supporting programs so that can parse the economic problems in society.

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