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All Journal Dinamika Pendidikan JAM : Jurnal Aplikasi Manajemen Jurnal Ekonomi dan Bisnis Islam Jurnal Dimensi Ikonomika : Jurnal Ekonomi dan Bisnis Islam Journal of Geoscience, Engineering, Environment, and Technology Jurnal Pemberdayaan Masyarakat: Media Pemikiran dan Dakwah Pembangunan Review of Islamic Economics and Finance Akademika : Jurnal Pemikiran Islam Indonesian Capital Market Review Journal of Indonesian Economy and Business Jurnal Pengabdian Masyarakat dan Riset Pendidikan Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Journal of Islamic Economic Laws
Ismail, Shafinar
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Religion Arts Humanities Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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Determinants of E-wallet Acceptance Among Low-Income Group in Malaysia: a Pilot Study Syafatul Aqilla Binti Samar, Nur; Ismail, Shafinar; Abd Rahman, Nur Hayati
IKONOMIKA Vol 10, No 1 (2025)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v10i1.26415

Abstract

Developing acceptance of e-wallets among low-income groups is challenging due to factors such as financial limitations, digital literacy gaps, and concerns about security and usability. This study proposes a relationship model using a quantitative research design to validate the hypothesized factors and establish their interconnections. The key determinants influencing e-wallet acceptance include performance expectancy, effort expectancy, and facilitating conditions, with behavioral intention serving as a mediating factor. To ensure the reliability and validity of the research instrument, a two-step verification process was conducted. First, a panel of experts reviewed the questionnaire during the validation phase, and their feedback was incorporated. Second, a pilot study was conducted to examine the instrument's consistency using Cronbach’s Alpha coefficient reliability screening in SPSS 29 software. The results confirmed that all items were reliable, with a Cronbach’s Alpha coefficient exceeding 0.7, indicating strong internal consistency
Are There Financial Sacrifices in Ethical Investing? A Comparative Study of Indonesia and Malaysia Amalia, Farah; Ismail, Shafinar; Fauzi, Muchamad; Mohd Nor, Amirudin
Journal of Indonesian Economy and Business Vol 40 No 3 (2025): September
Publisher : Faculty of Economics and Business, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/jieb.v40i3.11007

Abstract

Introduction/Main Objectives: Ethical investment in Southeast Asia is gaining traction, particularly in countries like Indonesia and Malaysia. This research aims to measure the performance of ethical investments and compare them with their opposite category, sin stocks. Investors should avoid sin stocks because they operate in controversial areas and go against ethical investment principles. Background Problems: Previous research conducted in developed countries shows that ethical investments are inferior to sin stocks, thus investors suffer financial sacrifices. Novelty: A comprehensive ethical investment instrument that involves sustainability and religion-based investments. Formation of sin stock portfolios in two Muslim countries. Research Methods: A volatility analysis and a descriptive analysis were carried out to provide a comprehensive picture of the performance of ethical and sin stocks. The analysis continues by comparing and explaining why and how the results occurred. Finding/Results: Ethical stock returns underperformed sin stocks in Malaysia, and ethical stocks outperformed sin stocks in Indonesia. This exciting result can be explained by the differences in screening criteria, perceptions, and regulations in these two neighboring countries. Conclusion: There are no financial sacrifices in ethical investing in Indonesia, so ethical investors do not need to hesitate. They are advised to invest ethically because they achieve two goals at once. Meanwhile, Malaysian ethical investors must be prudent and careful in investing to continue achieving social goals and mitigating losses.
Bridging the Gap: Link-and-Match Strategy for Sharia Economics Graduates in Islamic Non-Bank Financial Institutions Rahmawati, Naili; Bonang, Dahlia; Ismail, Shafinar
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2025)
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.v11i2.7617

Abstract

Purpose:This study examines the link and match strategy in higher education to bridge the gap between graduates' skills and industry demands, particularly in the Islamic Non-Bank Financial Industry (IKNB Syariah). By adopting Human Capital Theory, this research highlights the importance of aligning university curricula with labor market needs to enhance graduates' employability.Design/Methodology:A qualitative research approach with an inductive methodology was used to explore the effectiveness of link and match policies. Data were collected through semi-structured interviews and focus group discussions (FGD) with 40 respondents, including students, government officials, education experts, and industry practitionersFindings:The study identifies curriculum misalignment, limited industry engagement, inadequate internship programs, and a lack of technology integration as key barriers to the effectiveness of link and match. However, competency-based curricula, industry partnerships, graduate involvement, and digital learning adoption significantly support graduate readiness for the workforcePractical Implications:Strengthening university-industry collaboration, implementing professional certification programs, and integrating technology into learning are crucial strategies to enhance the effectiveness of link-and-match policiesOriginality/Value:This research provides a comprehensive analysis of the link and match strategy in Sharia economics education, emphasizing the role of Islamic finance industry collaboration in improving graduate employability
Understanding Pilgrim Satisfaction: The Role of Customer Experience and Bonus Pack in Umrah Travel Nugraha, Aa Willy; Ismail, Shafinar
Journal of Islamic Economic Laws Vol. 8 No. 02 (2025): July
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v8i02.9969

Abstract

In the context of increasing demand for religious tourism, understanding the factors that drive satisfaction among Umrah pilgrims is essential. This study examines the impact of customer experience and bonus packs on the satisfaction of Umrah pilgrims in Indonesia. Employing a quantitative approach, data were collected from 120 respondents using a structured questionnaire and analyzed using Structural Equation Modelling with Partial Least Squares (SEM-PLS). The results reveal that both customer experience and bonus pack significantly influence satisfaction, with both factors having a partial and simultaneous impact on satisfaction. Bonus packs—comprising additional services or amenities—emerged as a strong predictor of satisfaction by enhancing perceived value during the pilgrimage journey (path coefficient = 0.376, p < 0.001). Customer experience also demonstrated a significant positive effect (path coefficient = 0.354, p < 0.038), underscoring the importance of service quality and emotional connection throughout the pilgrimage process. Simultaneously, the two constructs explain 51,5% of the variance in satisfaction (R² = 0.515). These findings underscore the strategic importance of integrating meaningful customer experiences with value-added offerings to enhance service satisfaction in Umrah travel services. Travel agencies are advised to invest in enhancing service touchpoints and bundling attractive bonus features to improve customer satisfaction. Limitations of this study include its regional focus on Tasikmalaya, which may limit its broader applicability. Future research is encouraged to include more diverse populations and investigate moderating variables such as religiosity, service innovation, and digital engagement.
DETERMINANTS OF ZAKAT COMPLIANCE BEHAVIOR IN URBAN MUSLIM ENTREPRENEURS IN MATARAM CITY WEST NUSA TENGGARA Bonang, Dahlia; Widiastuti, Tika; Yuliatul Hijriah, Hanifiyah; Ismail, Shafinar
AKADEMIKA: Jurnal Pemikiran Islam Vol 28 No 1 (2023)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/akademika.v28i1.6409

Abstract

This study aims to assess determinants of small and medium enterprises (SMEs) owners’ compliance behavior in paying zakat (alms). In addition, the sample population comprised 176 SMEs owners in Mataram City who served as participants. Data were collected through online survey instruments using the purposive sampling method. The testing technique and data analysis were carried out using Structural Equation Modeling (SEM). The results showed that zakat literacy, Islamic egalitarianism, and moral norms influenced intention of SMEs owners to pay zakat, while intention affected compliance behavior. This study was essential for zakat institutions to develop new strategies to facilitate compliance behavior, considering the great potential in Indonesia. In addition, the fair and equitable distribution of zakat funds to asnaf (noun group of people worthy of receiving Muslim tithe) was expected to encourage SMEs owners to fulfill their obligation through zakat institutions by increasing the level of trust.
THE EFFECT OF RELIGIOSITY AND TRUST ON INTENTION TO PAY IN ZISWAF COLLECTION THROUGH DIGITAL PAYMENTS Syafira, Fadillah Nur; Ratnasari, Ririn Tri; Ismail, Shafinar
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 6 No. 1 (2020): JANUARY-JUNE 2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v6i1.17293

Abstract

The use of digital payment in Indonesia has increased rapidly. The number of users continues to grow every year, making various zakat institutions, infaq, sadaqah, and waqf start innovating to raise funds using a digital payment system. This excellent innovation seems in contrast with the amount of of zakat funds, infaq, waqf, and alms collected; it is still far below the potential number of funds. Many factors influence the intention to pay of the Muslim community in paying zakat, infaq, endowments, and alms. Some factors that need to be investigated are religiosity and trust factor. The aim of this research is to analysis the religiosity and trust factor towards intention to pay zakat, infaq and endowment. Based on that statement, questionnaires will be given to 200 respondents to determine the effect of these factors on the intention to pay of the Muslim community in paying zakat, infaq, endowments, and alms. Using mix methods between quantitative and qualitative, the data is primary from questioner. The result of this study shows that each religiosity and trust has insignificant and significant related to the intention to pay zakat, infaq, endowments, and alms. However, trust as intervening variable could affect religiosity indirectly, regarding its impact towards intention to pay.Keywords: Digital Payment, Intention to Pay, Religiosity, Trust, ZISWAF
Personal Bankruptcy: A Bibliometric Analysis and Future Research Directions MD SAHIQ, AQILAH NADIAH; SARKAM, SAIDA FARHANAH; MOHD HIDZIR, PUTRI ALIAH; YAAKUB, NURWAHIDA; ISMAIL, SHAFINAR; SABRI, NURBAITY; HIJRIAH, HANIFIYAH YULIATUL; KHOLIDAH, HIMMATUL
Indonesian Capital Market Review Vol. 17, No. 2
Publisher : UI Scholars Hub

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Personal bankruptcy is a pertinent topic to discuss due to the surge in personal bankruptcy cases around the world and it is an important indicator of household financial problems nationally. However, only few comprehensive reviews have been conducted to date. Hence, this study provides a bibliometric review of 210 studies on personal bankruptcy authored by 496 scholars. Bibliographical data were extracted from the Scopus database and analyzed it using the Bibliometrix-R software. Based on the citation analysis metrics, we revealed the most influential articles, journals, authors, and institutions. Using the network and conceptual structure analysis, we identified three underlying research clusters: (1) student loan default, (2) financial psychology, and (3) personal bankruptcy law; and three emerging research clusters: (1) credit scoring, (2) machine learning, and (3) data mining. The results of our study provide valuable insights to readers, in gleaning a general overview of the research landscape, including the historical evolution, potential collaboration partners, and the future research direction of the personal bankruptcy study. The implications of the study include further exploration of under-researched areas, especially the integration of advanced technologies like artificial intelligence and data analytics in managing personal bankruptcy issues. By uncovering trends and emerging technologies (e.g., machine learning and data mining), the study may guide policymakers, financial institutions, and other stakeholders in addressing household financial problems and improving bankruptcy-related processes.
Co-Authors Abd Rahman, Nur Hayati Adamsah, Bahtiar Ahmad, Nurbarirah Amalia, Farah Aminullah Assagaf Anggrainy Putri Ayuningrum Antonius Setyadi Arna Suryani, Arna Asmadillah, Fifin Beta, Raja Mayang Delima Mohd Bonang, Dahlia Destami, Gina Dery Evi Sopiah, Evi Sopiah Fauzi, Muchamad Firman Menne Firmansyah Firmansyah Hanifiyah Yuliatul Hijriah, Hanifiyah Yuliatul Hasrita Lubis Inomjon, Qudratov Jamin, Aziean Juliana Juliana Kholidah, Himmatul Kusnendi, Kusnendi MD SAHIQ, AQILAH NADIAH Mira Yona MOHD HIDZIR, PUTRI ALIAH Mohd Nor, Amirudin Monoarfa, Hilda Muliati Nabiela Rizki Alifa Naili Rahmawati Nasrullah Nugraha, Aa Willy Nurasyiah, Aas Prianto, Susilo Edi R. Andy Erwin Wijaya Ririn Tri Ratnasari Rojuaniah Rojuaniah Rosida, Rida Sabri, Nurbaity Sakarji, Siti Rosnita Santika, Syahira Dwi SARKAM, SAIDA FARHANAH Sri Langgeng Ratnasari SRI RAHAYU Suharno Pawirosumarto Syafatul Aqilla Binti Samar, Nur Syafira, Fadillah Nur tanjung, rona Tika Widiastuti Triastuti Kurnianingsih, Heny Utami, Suci Apriliani YAAKUB, NURWAHIDA Yuliatul Hijriah, Hanifiyah Yusrita Zain, Zainab Mohd