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All Journal El Dinar Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Ekonomi dan Bisnis Islam Jumat Ekonomi: Jurnal Pengabdian Masyarakat Maliki Islamic Economics Journal Al-Infaq: Jurnal Ekonomi Islam Madania: Jurnal Kajian Keislaman
Wicaksono, Ahmad Tibrizi Soni
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Religion 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.
THE ISLAMIC BANKING DILEMMA: ARE CEO TURNOVER AND IPO THE RIGHT STEPS FOR ISLAMIC BANKS IN GCC? Sarif, Reza; Wicaksono, Ahmad Tibrizi Soni
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq: Jurnal Ekonomi Islam, Vol. 15, No. 2 (2024)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v1i2.2880

Abstract

This research aims to measure banking performance by revealing the influence of CEO changes and IPOs on Islamic banks. Apart from that, this research also involves control variables, namely GDP and inflation, to verify and test the robustness of the findings. This research uses a quantitative approach, measured using a panel data regression-based method with Eviews version 12. The population of this research is Islamic banks in the GCC region for the period 2013 - 2022. The sample was determined based on the purposive sampling method with a total sample of 17 companies, so the total observations in the research are 2040 observations. The data used in this research is secondary data. The data collection technique uses documentation methods via the sites: https://www.ifsb.org/, https://data.worldbank.org/, and the personal banking website. The research results prove that the CEO turnover probability value is 0.035 <0.05 with a t-statistic of -2.102, meaning that CEO turnover has a negative and significant effect on financial performance. The probability value of Initial Public Offering is 0.0002 <0.05 with a t-statistic of 3.766 so it can be concluded that IPO has a significant positive effect on financial performance. Macroeconomic control variables also have a significant effect on financial performance as evidenced by a probability value of 0.000. Meanwhile, the results of the f test show a probability value of 0.000 < 0.05, this result shows that there is a simultaneous influence in this research. 
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.
Co-Authors Achmad Sani Supriyanto Ade Sofyan Mulazid Ahamed, Forbis Budi Eko Soetjipto Kurniawati Meylianingrum M. REZA PRIMA MATONDANG Marasabessy, Masaalah Mas’ud, Tajudin Mufraini, M. Arief Murodi Murodi Muttaqien, Muhammad Khaerul Nanik Wahyuni ‎ Rahmawati, Alvi 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