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All Journal TEMA (Jurnal Tera Ilmu Akuntansi) Jurnal Studi Ilmu-ilmu Al-Qur'an dan Hadis Studi Kasus Inovasi Ekonomi Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Pengabdian Masyarakat Indonesia Journal of International Conference Proceedings Jurnal Ilmiah Fokus Ekonomi, Manajemen, Bisnis & Akuntansi (EMBA) Islamic Economics and finance in Focus (IEFF) Global Economic, Social, and Development Review (GESDR)
Anggraini, Ika Khusnia
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Identification of Digital Sharia Banking Development as a Catalyst for Sharia Financial Inclusion in Indonesia Tamami, Muhammad In’amullah; Anggraini, Ika Khusnia
TEMA Vol. 26 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/tema.26.1.09

Abstract

The banking industry has undergone a technological revolution, leading to the emergence of digital banks that offer technology-based services accessible through smart devices. This has had a positive impact on financial inclusion by providing easier access to banking services to a wider community. However, the growth of Islamic banking has not shown the same progress due to the limited development of Islamic digital banks. To address this issue, a qualitative study was conducted to identify opportunities for product development in Islamic digital banks, aiming to promote Islamic financial inclusion. Data from interviews, reports, fatwas, and articles were analyzed using data triangulation methods. The study revealed innovative approaches to improving Islamic digital banking, particularly in products and services that serve community transactions. These identified innovations offer promising steps to increase the level of Islamic inclusion.
Community-Based Willingness to Pay for Urban Flood Mitigation Infrastructure: Sustainable Environmental Practices from Glintung, Indonesia Muljaningsih, Sri; Ekawaty, Marlina; Anggraini, Ika Khusnia; Galuh , Ajeng Kartika
Global Economic, Social, and Development Review Vol. 29 No. 2 (2025): Global Economic, Social, and Development Review (GESDR)
Publisher : Economics Departement, Faculty of Business and Economics, Universitas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24123/gesdr.v29i2.7904

Abstract

This study investigated residents' willingness to pay (WTP) for community-based flood mitigation infrastructure through a Malang, Indonesia, case study of the Glintung Go Green (G3) program. This study aimed to identify the key factors influencing WTP and assess the structural and cultural challenges in sustaining such community-based environmental programs. A mixed method approach was applied, combining focus group discussions (FGDs) with quantitative analysis using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results showed that socio-economic factors and personal motivation significantly influenced WTP, with education levels and perceived direct benefits of the program being the most influential indicators. The average WTP value is IDR 37,273 per month, with a median of IDR 50,000, showing promising potential for participatory financing mechanisms. However, the FGD revealed critical barriers, including low ecological literacy, reliance on external funding, limited community leadership regeneration, and lack of documentation for replication. These findings underscore the importance of institutionalizing environmental values, building local capacity, and leveraging digital tools for program transparency and outreach. The study concludes that community-based environmental programs should integrate financial and institutional strategies to improve long-term sustainability and inclusivity. Future research is encouraged to explore broader psychosocial and institutional factors that influence community participation
Co-Authors Ajeng Kartika Galuh Aminnullah Achmad Muttaqin Azizi, Naurah Nadzifah Chafid Wahyudi Fadhil, Muhammad Faisal Galuh , Ajeng Kartika Marlina Ekawaty Muhamartha, Dimas Putramanda Ninggar, Aurellia Dara Prawatya, Nurrahma Puspita Sari, Anggie Rahmatillah, Siti Nanda Shofiatin, Nanik Siata, Andi Haikal Rabbani Sri Muljaningsih Tamami, Muhammad In’amullah Wardani, Dinda Rahmah Widiyanti, Dwi Retno