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All Journal Islamadina : Jurnal Pemikiran Islam Paradigma : Journal of Science, Religion and Culture Studies Al-'Adalah EQUILIBRIUM Islamic Ecomonics Journal Falah : Jurnal Ekonomi Syariah AL QUDS : Jurnal Studi Alquran dan Hadis Al Tijarah Al-Muzara'ah El-Barka: Journal of Islamic Economics and Business Iqtishodia: Jurnal Ekonomi Syariah Tasharruf: Journal Economics and Business of Islam Jurnal Ilmu Perbankan dan Keuangan Syariah Journal of Islamic Economics and Finance Studies Journal of Islamic Economics and Philanthropy Poros Onim Al-Istinbath: Jurnal Hukum Islam Journal of Islamic Economics Lariba EKOBIS SYARIAH Abadi: Jurnal Ahmad Dahlan Mengabdi e-Jurnal Apresiasi Ekonomi MIMBAR : Jurnal Sosial dan Pembangunan JCAIP: Journal of Contemporary Applied Islamic Philanthropy Engagement: Jurnal Pengabdian Kepada Masyarakat Journal of Finance and Islamic Banking Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah TATHO: International Journal of Islamic Thought and Sciences
Susilo, Adib .
Program Studi Ekonomi Islam Fakultas Ekonomi dan Manajemen, Universitas Darussalam Gontor
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Religiosity, Knowledge, and Satisfaction on Students' Saving Decisions: A Moderating Effect of Interest in Islamic Banks Aunika, Vita; Sukardi, Budi; Adib Susilo
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol 6 No 1 (2024)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v6i1.256.101-126

Abstract

This study aims to determine the effect of religiosity, knowledge, and satisfaction on saving decisions in Islamic banks with interest as an intervening variable with a case study of Greater Solo students. This study employed quantitative methods using primary data. The sampling technique used was simple random sampling. Data collection was done by distributing questionnaires via Google Forms. The sample size was 200 students from Solo Raya. This study used the SMART-PLS analysis tool with the Partial Least Square Structure Equation Model (PLS-SEM) analysis model. The results of SEM-PLS research prove that religiosity and satisfaction significantly affect interest in saving in Islamic banks. Knowledge has no significant effect on interest in saving in Islamic banks. Interest, religiosity, and satisfaction significantly affect saving decisions at Islamic banks. Interest has a significant effect in mediating religiosity and satisfaction on saving decisions at Islamic banks. Meanwhile, interest does not affect the mediating effect of knowledge on saving decisions in Islamic banks. The research has implications for proving the low level of student knowledge regarding sharia financial literacy, by encouraging student awareness regarding sharia financial literacy in sharia financial practices. Increasing sharia financial literacy will contribute to improving the sharia economy.
Loss Mitigation Strategies in Sharia Commericial Banks in Indonesia Anggraini, Putri Pindia; Sahroni, Abdullah; Jamil, Mahmud Alfan; Susilo, Adib
Tasharruf: Journal Economics and Business of Islam Vol 9, No 1 (2024): June
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v9i1.2944

Abstract

This research aims to determine the effect of Profit-Sharing Financing, Financing to Deposit Ratio (FDR), and Non-Performing Financing (NPF) on Profitability because there are several deviations in theory and there are still ratios in variables that do not comply with standards so this research is needed. This type of research is quantitative using secondary data. The population of this research is Sharia Commercial Banks in Indonesia and there are 9 samples selected using the purposive sampling method. The data analysis techniques used are descriptive statistics, panel data regression test, classical assumption test, hypothesis test and coefficient of determination using the Eviews 12 application. The results of this research show that partially the Profit Sharing Financing variable has no effect on the Profitability of Indonesian Sharia Commercial Banks, the Financing to Deposit Ratio (FDR) variable has a significant effect on the Profitability of Indonesian Sharia Commercial Banks, the Non Performing Financing (NPF) variable has no effect on the Profitability of Indonesian Sharia Commercial Banks, and simultaneously Profit Sharing Financing, Financing to Deposit Ratio (FDR), Non Performing Financing (NPF) has a significant effect on the Profitability of Indonesian Sharia Commercial Banks. Profit Sharing Financing in this period is considered still low so it cannot influence the Profitability variable and the Profitability variable can be influenced by other financing. A balanced or high FDR can reflect efficiency in managing funds. using customer savings funds, so that banks can reduce their capital costs, which affects the ups and downs of profit margins and profitability, and effective risk management is one of the reasons why NPF has no effect on profitability.
Loss Mitigation Strategies in Sharia Commericial Banks in Indonesia Anggraini, Putri Pindia; Sahroni, Abdullah; Jamil, Mahmud Alfan; Susilo, Adib
Tasharruf: Journal Economics and Business of Islam Vol 9, No 1 (2024): June
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v9i1.2944

Abstract

This research aims to determine the effect of Profit-Sharing Financing, Financing to Deposit Ratio (FDR), and Non-Performing Financing (NPF) on Profitability because there are several deviations in theory and there are still ratios in variables that do not comply with standards so this research is needed. This type of research is quantitative using secondary data. The population of this research is Sharia Commercial Banks in Indonesia and there are 9 samples selected using the purposive sampling method. The data analysis techniques used are descriptive statistics, panel data regression test, classical assumption test, hypothesis test and coefficient of determination using the Eviews 12 application. The results of this research show that partially the Profit Sharing Financing variable has no effect on the Profitability of Indonesian Sharia Commercial Banks, the Financing to Deposit Ratio (FDR) variable has a significant effect on the Profitability of Indonesian Sharia Commercial Banks, the Non Performing Financing (NPF) variable has no effect on the Profitability of Indonesian Sharia Commercial Banks, and simultaneously Profit Sharing Financing, Financing to Deposit Ratio (FDR), Non Performing Financing (NPF) has a significant effect on the Profitability of Indonesian Sharia Commercial Banks. Profit Sharing Financing in this period is considered still low so it cannot influence the Profitability variable and the Profitability variable can be influenced by other financing. A balanced or high FDR can reflect efficiency in managing funds. using customer savings funds, so that banks can reduce their capital costs, which affects the ups and downs of profit margins and profitability, and effective risk management is one of the reasons why NPF has no effect on profitability.
EMPLOYEE PERFORMANCE ASSESSMENT IN IMPROVING BUSINESS ACCORDING TO ISLAMIC ECONOMIC PRINCIPLES (Case Study: La Tansa Gontor Department Store) 'Imari, Iqbal; Susilo, Adib; Fayyidul Haq, Azriel Muhammad
EKOBIS SYARIAH Vol 8, No 2 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i2.23327

Abstract

The evolution of Islam has contributed significantly to various areas of human life. Work in the Islamic perspective is one of the necessities of life and an activity that holds an important role in social life. Work is advocated by Islam, and work is frequently used as a measurement to determine a person's worth.The assessment of employee performance is an imperative aspect in improving organizational performance. This study aims to explore the practice of employee performance assessment in improving the business of CV. La Tansa Gontor Department Store by considering the principles of Islamic economics. This research method used is qualitative with a case study at La Tansa Gontor Department Store.This research concludes that employees' performance evaluation conducted by CV. La Tansa Gontor Department Store has implemented the principles of Islamic economics, hence improving employee motivation and overall performance. The practical implication of this research is that the use of a performance evaluation approach based on Islamic economic principles can be a relevant and effective model for other companies seeking an adoption of Islamic values in their business practices
Reviewing The Core Values of State Civil Apparatus in Indonesia: Perspectives on Islamic Multiculturalism Nurul Istiani; Adib Susilo
TATHO: International Journal of Islamic Thought and Sciences Volume 1, Issue 1 (2024)
Publisher : International Tatho Academics

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70512/tatho.v1i1.2

Abstract

The phenomenon of problem of state civil service performance in Indonesia is a serious concern for the government in overcoming it. In this context, the government through the Circular Letter of the State Civil Service Agency has formulated the Core Values of the State Civil Apparatus. Through a normative-philosophical approach, this qualitative study aims to identify the values of multicultural Islamic education in the Core Values of the State Civil Apparatus in Indonesia. The value of multicultural Islamic education formulated by Azyumardi Azra is used as a theory of analysis. This study found the dimensions of Islamic multicultural Islamic education values in the Core Values of the State Civil Apparatus, among others, the value of tasamuh in Core Values in the form of harmony, wasathiyah values in Core Values in the form of collaborative and accountable service-oriented values, humanity values in Core Values in the form of competent and adaptive values, and peace values in Core Values in the form of loyal values. The theoretical implications of the findings of this study confirm that multicultural Islamic values can be synergistic with ethical values in building.
Analysis Of Islamic Business Ethics in Khizanah Gontor Bakery Production Adzimi, Farkhan Rizky; Susilo, Adib; Cahyo, Eko Nur
Journal of Contemporary Applied Islamic Philanthropy Vol. 2 No. 2 (2024): JCAIP
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62265/jcaip.v2i2.83

Abstract

Purpose: This research is motivated by the phenomenon of many cases of poisoning in consumers after consuming food. Khizanah Gontor Bakery Pondok Modern Darussalam Gontor as a business actor can compile its system to continue to implement Islamic business ethics. The purpose of this study is to find out how the Khizanah Gontor Bakery system is in its production and to find out whether this business has implemented Islamic business ethics in its production system. Methodology: This study uses a qualitative method with a type of field research. Data was collected through interviews and observations. This research method is descriptive qualitative which analyzes the Implementation of Islamic Business Ethics in Khizanah Gontor Bakery Business Production. Findings: The results of the study show that Khizanah Gontor Bakery's business production is in accordance with the principles of Islamic business ethics. Business actors use good and halal raw materials for consumption. In their work system, staff and employees have also implemented Islamic ethical principles in them such as unity, justice, will, responsibility and also virtue. Even with the principle of sincerity, Khizanah Gontor Bakery staff carry out all tasks and develop their factory without any salary for them and with full sincerity. This principle is held firmly by the staff and does not commit any fraud in any of its production.
The Relationship between Islamic Business Ethics and Customer Retention: Evidence from Sharia Bank in Ponorogo Susilo, Adib; Putra, Sadam Maherah Rofiqkhan; Arief, Suyoto; Lesmana, Meichio
El Barka Vol. 6 No. 1 (2023)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v6i1.3979

Abstract

Customer loyalty would lead to customer retention which in turn would lead to company profit. Sadly, the lack of customer awareness on sharia bank led them to the conclusion that Islamic bank is just the same with the conventional bank. Therefore, this paper is aimed to investigate the relationship between Islamic business ethics of Prophet Muhammad character on customer retention at sharia bank in Ponorogo. Moreover, the research on this field is still few to find. The method employs in this study is quantitative method with exploratory factor analysis (EFA) and multiple regression analysis. The respondent of this study is 129 from the customer of sharia bank in Ponorogo. The data was analysed through SPSS 20 tool. This study found that EFA result indicates that from 4 variables of hypotheses which is based from 4 praiseworthy attributes of the prophet namely, siddiq, tabligh, amanah, and fathanah emerged onto 3 variables namely siddiq, tablig, and fathanah due to amanah variable merged into sidiq variables. Meanwhile, regression analysis found that siddiq (X1), tabligh (X2), and fathanah (X3) partially and simultaneously influence the customer retention (Y). The influences of independent variables on dependent variable are about 65.1%. Further analysis in the future studies is suggested with additional variables such as religiosity or TPB and other variables. Moreover, structural equation modelling (SEM) analysis also suggested for future studies in order to achieve advanced results.
Analyses the Construction of the Indonesian Ulema Council Fatwa on the Halalness of the Sinovac Covid-19 Vaccine using the Jasser Auda’s Perspective of Islamic Law Development Models Abduh, Muhammad; Abadi, Khafid; Islamy, Athoillah; Susilo, Adib
al-'adalah Vol 18 No 2 (2021): Al-'Adalah
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/adalah.v18i2.10041

Abstract

 The spread of hoax news related to whether it is safe or not and whether or not the use of the Covid-19 vaccine is lawful has created a pro-contra attitude among the Indonesian people towards the Covid-19 vaccination program. For this reason, the Indonesian Ulema Council (MUI) has issued a fatwa to provide legal enlightenment on the halal use of the Covid-19 vaccine. This study examines in depth the construction of the fatwa and identifies the Islamic law development model used in constructing the fatwa. This research is purely philosophical normative and uses the models of Islamic legal development proposed by Jasser Auda. The results of the study conclude that the construction of the MUI fatwa on the halalness of the Sinovac vaccine had used a holistic model of Islamic law. This is indicated by some characteristics inherent in the construction of the fatwa namely : (i) the wholeness and multidimensional character, which is indicated by the use of universal textual arguments ('aam). (ii) the purposive character, which isindicated by the use of various fiqh rules emphasizing the realization of benefit as the basis and orientation of legal determination. (iii) the openness characterwhich is indicated by the acceptance of the health and medical science principles which incidentally is outside the field of Islamic law
Pinpointing the Determinants of Financial Literacy: Empirical Evidence of Indonesian Employees in Malaysia Rizal, Achmad; Susilo, Adib; Rahman Abadi, M. Kurnia; Lahuri, Setiawan; Abdullah, Nurdianawati Irwani; Che Embi, Nor Azizan
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 10 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v10i2.7881

Abstract

This paper investigates the determinants variables of financial literacy through Exploratory Factor Analysis among Indonesian employees’ works in Malaysia. This study is quantitative study with 117 respondents. The data from respondents are collected through questionnaire on five-point Likert scale. Data analysis employs EFA (Exploratory Factor Analysis) which reduce the factors into expected variables. The study found that there 7 factors emerged in based on data analysis namely, financial literacy contributes with higher percentages factors 13.93%, financial planning contributes with 11.28%, financial control with 9.86%, exchange rate awareness with 9.52%, financial attitude with 9.07, financial subjective norms with 8.76, and lastly financial awareness contributes 6.93%. Meanwhile, simultaneously all variables have commutative percentages about 69.38%. Further studies are required to investigate or examine each emerged variables for example, SEM, Regression analysis, One Way ANOVA, and so on. Moreover, wider coverage of research sample and research object also suggested.
Compromising Paradigm in the Dialectic of Islamic Civil Law and Customary Law in Central Kalimantan Ariyadi, Ariyadi; Tanjung, Ardi Akbar; Dlaifurrahman, Muhammad; Susilo, Adib
TATHO: International Journal of Islamic Thought and Sciences Volume 2, Issue 4 (2025)
Publisher : International Tatho Academics

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70512/tatho.v2i4.146

Abstract

This study aims to describe Islamic family law, Sharia economic law, and customary law in marriage and inheritance practices in Central Kalimantan. This study uses a descriptive qualitative approach with literature studies and normative-sociological studies. The research data sources consist of legislation, the Compilation of Islamic Law (KHI), Islamic economic law literature, and Dayak and Malay customary law documents. Data analysis is interpretative. The results of the study show that the three legal systems interact dynamically. In marriage, Islamic law emphasizes the pillars and requirements of sharia. Meanwhile, Dayak customs add rituals and marriage expenses. This integration becomes both religious and social legitimacy. In inheritance, Islamic law rigidly regulates distribution according to the Qur'an. Meanwhile, customary law emphasizes deliberation and equality. In this context, Sharia economic law provides room for grants or wills. This study emphasizes that the practice of Islamic civil law in Indonesia can be dynamic and contextual even in the midst of existing social, cultural, and state norms.  
Co-Authors AA Sudharmawan, AA Abadi, Khafid Abdullah Sahroni Abdullah, Nurdianawati Irwani Achmad Fajaruddin Achmad Rizal Achmad Rizal Achmad Rizal Adzimi, Farkhan Rizky Ahmad Fanani Ahmad Lukman Nugraha Ahmad Rizal Alfiandri Setiawan Aminuddin Ma'ruf Aminuddin Ma'ruf Andi Triyawan Anggraini, Putri Pindia Ardi Akbar Tanjung Arie Rachmat Soenjoto Arie Rachmat Sunjoto Aris Munandar Ariyadi Ariyadi, Ariyadi Armina, Sheema Haseena Athoillah Islamy Athoillah Islamy Atika Rukminastiti Masrifah Aunika, Vita Budi Sukardi Chaerul Rochman Chaerul Rochman Che Embi, Nor Azizan Dlaifurrahman, Muhammad Edy Suandi Hamid Eko Nur Cahyo Fadhilah Abdullah Asuhaimi Fadilla Muhammad Mahdi Fayyidul Haq, Azriel Muhammad Gusti Muzainah Haris Setyaningrum Hassan Shakeel Shah Ika Prastyaningsih Imam Haryadi Imam Wahyu Indriawan In'ami, Moh Iqbal Imari Islamy, Athoillah Jamil, Mahmud Alfan Latif, Abdul Lesmana, Meichio M. Husni Tamrin M. Husni Tamrin M. Kurnia Rahman Abadi Meichio Lesmana Miftah Azzahra Miftahul Huda Mohamad Anton Athoillah Mufti Afif Muhammad Abduh Muhammad Abduh Neneng Ela Fauziyah Nor Azizan Che Embi Nurdianawati Irwani Abdullah Nurul Istiani Putra, Sadam Maherah Rofiqkhan Rahmad Hakim Rahmad Hakim Rahmad Hakim Rahman Abadi, M. Kurnia Rizal Achmad Rofiqo, Azidni S, Syamsuri Setiawan Bin Lahuri Subhan Mawardi Subhan Mawardi Suyoto Arief U’um Munawaroh Veithzal Rivai Zainal Widoyo, Agus Fatuh Zulihi, Zulihi