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All Journal El Dinar Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Ekonomi dan Bisnis Islam Resona : Jurnal Ilmiah Pengabdian Masyarakat Jumat Ekonomi: Jurnal Pengabdian Masyarakat International Journal of Business and Applied Economics (IJBAE) Maliki Islamic Economics Journal Madania: Jurnal Kajian Keislaman
Wicaksono, Ahmad Tibrizi Soni
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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CUSTOMER SATISFACTION AND FINANCIAL PERFORMANCE: DOES IT MEDIATE CUSTOMER-CENTRIC ON ISLAMIC BANK VALUES? Oktaviana, Ulfi Kartika; Supriyanto, Achmad Sani; Wahyuni, Nanik; Wicaksono, Ahmad Tibrizi Soni
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 2 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i2.16225

Abstract

This study aims to determine the influence of Customer-centric Corporate Social Responsibility (CSR) within the scope of Islamic Ethics on Company Values. In addition, this study also examines the role of customer satisfaction mediation and financial performance towards Customer-centric CSR with company values and tests the role of customer satisfaction mediation for Customer-centric CSR with financial performance. The sample used is Islamic Commercial Banks registered with BI with specified sample criteria. The data was processed using smartPLS, where the direct influence of Centric Customers in Islamic Ethics (CSR) on company values was significant. The Centric Customer variables in Islamic Ethics (CSR) influence financial performance. The other four hypotheses showed insignificant results. The results of the indirect influence test show that the variables of customer satisfaction and financial performance have not been able to mediate the relationship between Customer-centric in Islamic ethics and Company Values.
IJARAH ASSET CONTRACT: A PRODUCT INNOVATION FOR ISLAMIC MICROFINANCE Khasanah, Umrotul; Wicaksono, Ahmad Tibrizi Soni; Rahmawati, Alvi
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 1 (2025): JANUARY - JUNE 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i1.68167

Abstract

This research aims to develop a tool for assessing the potential of ijarah asset contract model as a product offered by Islamic Microfinance Institutions (IMFIs) to Micro, Small and Medium Enterprises (MSMEs) in Malang Regency, Batu City, and Malang City areas of Indonesia. In this context, a grounded theory is applied, including open, axial, and selective coding, as well as qualitative model analysis to report crucial factors for ijarah asset contract product at IMFIs. The results show that Sharia compliance is the most fundamental instrument, followed by trust, benefit, agreement, and tolerance based on the priority criteria. In addition, the relationship between instruments create the best implementation model in the forerunner of ijarah asset contract product. This research is carried out by determining the instrument of ijarah asset contract and explaining the relationship between instruments forming an implementation model. The development of fresh ijarah product innovations at IMFIs is conducted to facilitate asset leasing for MSMEs. A model is also proposed using the results as a benchmark for execution to minimize the potential for unsuccessful outcomes.
Uncovering the Perception of Digital Gold as Islamic Investment Wicaksono, Ahmad Tibrizi Soni; Soetjipto, Budi Eko
Maliki Islamic Economics Journal Vol 5, No 1 (2025): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v5i1.33080

Abstract

This study aims to identify sentiments related to digital gold as Islamic investment in social media users. The study used Word cloud analysis, Sankey diagrams and sentiment dominance portion assessment through a natural language processing (NLP) approach. The study processed 1433 user responses from Facebook, Instagram, TikTok, X, and YouTube over the past year. The results show that there is scepticism in understanding Islamic investment through digital gold. Instagram, YouTube, and Tiktok are social media that dominate negative sentiment. Sentiment analysis shows that negative sentiment dominates the perception of social media users with a portion of 64.69%. The implications of the study direct the importance of public education to avoid a decline in investment interest. The limitations of the study include the range of opinions in one country using only five social media.
The Role of Early Warning System Components in Financial Distress: Evidence from Indonesian Islamic Banks Salsabila, Rizqiyah; Wicaksono, Ahmad Tibrizi Soni; Shamakov, Nariman
Maliki Islamic Economics Journal Vol 2, No 2 (2022): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v2i2.18977

Abstract

This study aims to utilize the Early Warning System (EWS) component to predict the condition of Islamic banks before bankruptcy. This study uses the springate score model to measure the Financial Distress (FD) condition of Islamic banks. Samples were taken from 13 Islamic Commercial Banks for the period 2016 - 2020. The EWS components are Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Financing Deposit to Ratio (FDR) and Allowance for Impairment Losses (CKPN). Based on the springate score calculation, the highest FD conditions occurred in 2019 and 2020 due to the COVID-19 pandemic. The logistic regression test results show that only the NPF ratio has a positive effect on FD. While the CAR, FDR and CKPN variables have no effect on FD. This proves that the CAR, FDR and CKPN ratios owned by Islamic banks are said to be good so as to keep away from FD conditions.
Sosialisasi Manfaat Menggunakan Layanan Perbankan Syariah Muttaqien, Muhammad Khaerul; Mas’ud, Tajudin; Matondang, M. Reza Prima; Wicaksono, Ahmad Tibrizi Soni
Jumat Ekonomi: Jurnal Pengabdian Masyarakat Vol. 6 No. 2 (2025): Agustus
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/abdimasekon.v6i2.6041

Abstract

Conventional bank users still significantly outnumber those using Islamic banks, influenced by various factors, one of which is a lack of public understanding of Islamic banking services. In fact, Islamic banks already provide almost all the services available at conventional banks. To address this, community service was conducted in the form of face-to-face outreach explaining the various products, services, and benefits of Islamic banking. This activity was carried out at the women's study group of the Al-Amanah Jami Mosque in RW 03 Pamulang Barat, South Tangerang, Banten, with the aim of expanding understanding and interest in Islamic banking products and services. The methods used included planning, implementing outreach discussing the characteristics, products, and benefits of Islamic banking, as well as monitoring and evaluation to measure the effectiveness of the activity. The results of the outreach showed an increase in participant awareness regarding the operational principles of Islamic banks that are free from usury, the profit-sharing system, Sharia-compliant fund management, and the convenience of digital banking services offered by Islamic banks.. ABSTRAK Pengguna bank konvensional masih jauh lebih banyak dibandingkan dengan bank syariah, yang dipengaruhi oleh berbagai faktor, salah satunya kurangnya pemahaman masyarakat terhadap fasilitas layanan bank syariah. Padahal, bank syariah telah menyediakan hampir semua layanan yang ada di bank konvensional. Untuk mengatasi hal ini, dilakukan pengabdian masyarakat berupa sosialisasi tatap muka yang menjelaskan beragam produk, layanan, dan manfaat perbankan syariah. Kegiatan ini dilaksanakan di komunitas pengajian ibu-ibu Masjid Jami Al-Amanah RW 03 Pamulang Barat, Tangerang Selatan, Banten, dengan tujuan memperluas pemahaman dan minat terhadap produk serta layanan perbankan syariah. Metode yang digunakan mencakup perencanaan, pelaksanaan sosialisasi yang membahas karakteristik, produk, dan manfaat perbankan syariah, serta monitoring dan evaluasi untuk mengukur efektivitas kegiatan. Hasil sosialisasi menunjukkan peningkatan kesadaran peserta mengenai prinsip operasional bank syariah yang bebas riba, sistem bagi hasil, pengelolaan dana sesuai syariah, serta kemudahan layanan digital banking yang ditawarkan oleh perbankan syariah.
Exploring The Determinants of Sustainable Interest To Use E-Wallet: The Mediating Role of Customer Satisfaction Marasabessy, Masaalah; Supriyanto, Achmad Sani; Ekowati, Vivin Maharani; Setiani, Setiani; Siswanto, Siswanto; Wicaksono, Ahmad Tibrizi Soni; Meylianingrum, Kurniawati; Miranti, Titis; Ahamed, Forbis
Jurnal Aplikasi Bisnis dan Manajemen Vol. 11 No. 3 (2025): JABM Vol. 11 No. 3, September 2025
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.11.3.789

Abstract

Background: The current rapid development of the times has created the birth of the evolution of payment instruments such as e-wallets. The evolution of this means of payment facilitates human activities in terms of transactions. The ease, convenience, speed, and benefits offered by Payment System Service Providers (PJSP) such as e-wallets can attract people's interest in adopting this system. Purpose: This study examines the direct effects of perceived ease of use, perceived usefulness, and e-service quality on sustained e-wallet use in Jayapura City, with customer satisfaction as a mediator. Design/methodology/approach: The research method adopted is quantitative, with an explanatory approach. The population in this study was the residents of Jayapura City, and the sampling technique was purposive, resulting in a sample size of 200 respondents. Data were collected via a questionnaire and then evaluated using SmartPLS v.4.1.0.6. Findings/Result: The findings show that perceived convenience does not affect long-term interest in using e-wallets. Meanwhile, perceived benefits, e-service quality, and customer satisfaction favourably and significantly impact sustained e-wallet usage. These findings also demonstrate that customer satisfaction can mediate the relationship between perceived convenience, perceived benefits, and e-service quality regarding Jayapura City residents' sustained interest in utilizing e-wallets. Conclusion: This study shows that the e-wallet payment system service provider can improve the services provided, increase the literacy of the people of Jayapura City regarding the operation of e-wallets and the urgency of using technology so that the people of Jayapura City are technology literate. In addition, the e-wallet should also be able to provide various promos that can attract the interest of the people of Jayapura City. Originality/Value (State of The Art): The findings of this research are intended as evaluation material and a basis for decision-making by e-wallet applications regarding interest in adopting e-wallets. Keywords: perceived benefits, e-service quality, customer satisfaction, sustainable interest, e-wallet
Spatial Finance Exploration on Hajj Funds Sustainability Growth: Evidence from Indonesian Archipelagic Syadzily, Tb. Ace Hasan; Mufraini, M. Arief; Mulazid, Ade Sofyan; Murodi, Murodi; Wicaksono, Ahmad Tibrizi Soni
Madania: Jurnal Kajian Keislaman Vol 27, No 2 (2023): DECEMBER
Publisher : Universitas Islam Negeri (UIN) Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v27i2.2869

Abstract

This research aims to adopt a spatial finance approach to hajj fund sustainability by finding the factors that influenced it during the COVID-19 pandemic. This research involved GRDP, Household Consumption, COVID-19 Cases, Islamic Banking Office Network, and Religiosity Index as exogenous variables with secondary data in 2020. This research uses Spatial Autoregressive Model analysis and Local Indicators of Spatial Autocorrelation through Spatial Rate Analysis to predict spillover effects. Research findings show that the Religiosity Index and Office Network have a spatial effect on Hajj funds. In addition, the provinces of East Java and Central Java are predicted to have a strong potential to have a spillover effect and affect the surrounding areas to increase the sustainable growth of the Hajj fund. Penelitian ini bertujuan untuk mengadopsi pendekatan keuangan spasial terhadap keberlanjutan dana haji dengan menemukan faktor-faktor yang mempengaruhinya selama pandemi COVID-19. Penelitian ini melibatkan PDRB, Konsumsi Rumah Tangga, Kasus COVID-19, Jaringan Kantor Perbankan Syariah, dan Indeks Religiusitas sebagai variabel eksogen dengan data sekunder pada tahun 2020. Penelitian ini menggunakan analisis Spatial Autoregressive Model dan Indikator Lokal Autokorelasi Spasial melalui Analisis Spatial Rate untuk memprediksi spillover efek. Temuan penelitian menunjukkan bahwa Indeks Religiusitas dan Jaringan Kantor mempunyai pengaruh spasial terhadap dana haji. Selain itu, Provinsi Jawa Timur dan Jawa Tengah diperkirakan memiliki potensi yang kuat untuk memberikan efek limpahan dan berdampak pada wilayah sekitarnya untuk meningkatkan pertumbuhan dana haji yang berkelanjutan.
Forecasting the Contribution of Renewable Energy to the Indonesian Economy: A Vector Error Correction Model Approach Ramadhan, Muhammad Rafenza; Aprilianti, Natasya; Fadil, Nadila Istima; Wicaksono, Ahmad Tibrizi Soni
International Journal of Business and Applied Economics Vol. 3 No. 6 (2024): November 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijbae.v3i6.11743

Abstract

This study aims to evaluate the causal relationship between Renewable Energy Consumption, Non-Renewable Energy Consumption, and Economic Growth. This study uses quantitative methods and analyzes data using a Granger Causality Test, Vector Error Correction Model (VECM), Impulse Response Function (IRF), and Variance Decomposition (VDC). The study was conducted in Indonesia, with data ranging from 1993 to 2022 obtained from the World Bank database and Our World in Data. The results of the study based on the Granger test show that renewable energy has a significantly positive impact on economic growth in Indonesia. According to the VECM test, renewable energy consumption contributes to increasing economic growth as a result of construction and manufacturing sector activities in the development of renewable energy in Indonesia. The government should focus on energy availability, with an emphasis on increasing the production of renewable natural resources.
MEMBANGUN QARYAH THAYYIBAH: MASYARAKAT BERDAYA BEBAS RENTENIR PASCA PANDEMI COVID-19 Khasanah, Umrotul; Ch., Mufidah; Wicaksono, Ahmad Tibrizi Soni; Dzikrullah, Harits Dijani; Amani, Nazwa Nur; Moi, Roiyyan Mohammad; Qurani, Adz Dzikroh Aliya
RESONA : Jurnal Ilmiah Pengabdian Masyarakat Vol 8, No 1 (2024): June
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/resona.v8i1.1956

Abstract

Penggunaan praktik peminjaman dari rentenir sering kali terkait dengan eksploitasi ekonomi, terutama di kalangan masyarakat yang memiliki keterbatasan dalam mengakses lembaga keuangan formal. Di beberapa wilayah di Indonesia, seperti di Kelurahan Merjosari, kecamatan Lowokwaru, Kota Malang, praktik ini masih berlangsung dan bahkan semakin meningkat setelah terjadinya ketidakstabilan ekonomi masyarakat pasca pandemi Covid-19. Oleh karena itu, tujuan dari kegiatan pengabdian masyarakat ini adalah memberikan bimbingan kepada masyarakat agar dapat melepaskan diri dari praktik rentenir dan mengembalikan daya ekonomi mereka. Program ini menggunakan metode Participatory Action Research (PAR). Hasil dari kegiatan pengabdian ini menunjukkan bahwa program pemberdayaan berdampak positif pada peningkatan pendapatan dan kesejahteraan masyarakat. Masyarakat yang sebelumnya terjebak dalam utang rentenir berhasil mendirikan koperasi ekonomi yang berkelanjutan dengan prinsip ekonomi syariah. Tindak lanjut dari program ini melibatkan kegiatan pemantauan dan evaluasi yang berkelanjutan, pelatihan kompetensi, pengembangan koperasi, dan sosialisasi literasi keuangan. Kegiatan ini juga menggarisbawahi pentingnya partisipasi aktif masyarakat dan peran pemerintah dalam mendukung pemberdayaan sehingga masyarakat dapat menjadi masyarakat yang mandiri secara ekonomi.  Abstract. Using lending practices from loan sharks is often associated with economic exploitation, especially among people with limited access to formal financial institutions. This practice is still ongoing in several areas in Indonesia, such as in Merjosari Village, Lowokwaru subdistrict, and Malang City. It is even increasing following the economic instability of the community after the Covid-19 pandemic. Therefore, this community service activity aims to guide the community so that they can free themselves from the practices of loan sharks and restore their economic power. This program uses the Participatory Action Research (PAR) method. The results of this service activity show that the empowerment program has a positive impact on increasing community income and welfare. Communities previously trapped in loan shark debt succeeded in establishing a sustainable economic cooperative based on Sharia economic principles. The follow-up to this program involves ongoing monitoring and evaluation activities, competency training, cooperative development, and financial literacy outreach. This activity also underlines the importance of active community participation and the role of government in supporting empowerment so that communities can become economically independent.
Co-Authors Achmad Sani Supriyanto Ade Sofyan Mulazid Ahamed, Forbis Amani, Nazwa Nur Aprilianti, Natasya Budi Eko Soetjipto Ch., Mufidah Dzikrullah, Harits Dijani Fadil, Nadila Istima Kurniawati Meylianingrum M. REZA PRIMA MATONDANG Marasabessy, Masaalah Mas’ud, Tajudin Moi, Roiyyan Mohammad Mufraini, M. Arief Murodi Murodi Muttaqien, Muhammad Khaerul Nanik Wahyuni ‎ Qurani, Adz Dzikroh Aliya Rahmawati, Alvi Ramadhan, Muhammad Rafenza S Siswanto Salsabila, Rizqiyah Sarif, Reza Setiani Setiani, Setiani Shamakov, Nariman Syadzily, Tb. Ace Hasan Titis Miranti, Titis Ulfi Kartika Oktaviana Umrotul Khasanah Vivin Maharani Ekowati