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All Journal Al-Ihkam: Jurnal Hukum dan Pranata Sosial Global Review of Islamic Economics and Business Jurnal Ilmiah Ekonomi Islam Perisai : Islamic Banking and Finance Journal JURNAL AKUNTANSI, EKONOMI dan MANAJEMEN BISNIS Syi'ar Iqtishadi JURNAL ILMIAH MAHASISWA AGROINFO GALUH International Journal of Science, Engineering and Information Technology Edu Consilium : Jurnal Bimbingan dan Konseling Pendidikan Islam International Conference on Islamic Economic Sharia Economic and Management Business Journal (SEMBJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Maps (Manajemen Perbankan Syariah) Krigan: Journal of Management and Sharia Business Ta'amul: Journal of Islamic Economics Journal of Islamic economics Perspectives (JIEP) BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Indonesian Journal of Taxation and Accounting
Umam, Khotibul
Dosen FEBI IAIN Madura
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Mechanical Engineering Social Sciences Other

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The Role of Islamic Boarding Schools in Increasing Digital Financial Literacy in Indonesia Khotibul Umam; Yunadi Yunadi; Alkauzer Alkauzer; Try Itsnawati; Ulfatul Hasanah
Ta'amul: Journal of Islamic Economics Vol. 2 No. 1 (2023): May
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/taamul.v2i1.65

Abstract

Digital financial services in Indonesia have developed significantly, and even several Islamic boarding schools have implemented digital financial services for various types of transactions. Islamic boarding schools, one of Indonesia's oldest educational institutions, certainly have an important meaning in increasing financial literacy in Indonesia. The application of digital financial services in Islamic boarding schools is a strategic step in increasing financial literacy from an early age, especially for students, so that they form good habits in managing their finances in the future, such as knowing the meaning of money, having a habit of saving, and prioritizing needs over wants. Digital financial services in Islamic boarding schools can increase financial literacy for students and their parents because students are taught to manage their finances wisely by prioritizing their needs over desires. In addition, parents and Islamic boarding schools can instil the values of a good financial literacy philosophy while monitoring students' consumption levels through these digital financial services that they can access from their mobile phones
Exploring The Role Of Qris Digital Payments In The Operational And Financial Performance Of Muslim Msmes In Pamekasan: A Phenomenological Study Khotibul Umam; Umarul Faruq; Nadya Apriza Azizi Faruq; Naili Zulfa Hidayati Hidayati
Indonesian Journal of Taxation and Accounting Vol 4, No 2 (2026): June 2026
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ijota.v4i2.378

Abstract

Purpose – This study explores the role of QRIS digital payments in shaping the operational and financial performance of Muslim MSMEs in Pamekasan, focusing on their lived experiences within a socio-religious context. Methods – A qualitative phenomenological approach was employed to understand how Muslim MSME traders experience and interpret QRIS in their daily business activities. Data were collected through in-depth interviews, observations, and document analysis involving 20 Muslim MSMEs from diverse business sectors. The analysis followed phenomenological procedures to identify key themes and capture the essence of participants’ experiences. Findings – QRIS is not merely a payment tool but a practical mechanism embedded in everyday business practices. It improves operational efficiency by enabling faster transactions, reducing cash handling, and simplifying service processes, while also supporting financial management through automated transaction recording and real-time cash flow monitoring. However, its impact on broader business outcomes, particularly transaction growth, remains uneven and depends on customer readiness, digital literacy, and infrastructure conditions. The study further reveals that QRIS adoption is influenced by Islamic values, particularly taysir (ease) and niyyah (intention), which imbue the use of digital payment technology with moral and religious meaning among Muslim MSMEs. Research Implication – This study extends the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT) by integrating lived experience and value-based perspectives, while highlighting the importance of strengthening digital ecosystems for MSME sustainability. Originality/value – This study offers a phenomenological perspective that links operational, financial, and religious dimensions in understanding QRIS adoption among Muslim MSMEs
The Influence of Ease of Use, Benefit, and Risk on the Decision to Adopt DANA E-Wallet Among Students at the Faculty of Islamic Economics and Business, UIN Madura Nur Tilawatil Quran; Khotibul Umam; Fatati Nuryana
Journal of Islamic Economics Perspectives Vol. 8 No. 1 (2026): Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/9br3dq29

Abstract

Digital financial technology adoption among students remains a critical area of inquiry, particularly regarding the factors that drive or hinder e-wallet usage decisions. This study examines the influence of ease of use, perceived benefits, and perceived risk on the decision to use the DANA e-wallet among students at the Faculty of Economics and Islamic Business, UIN Madura. This study used a quantitative causal research design, with a population of 1,662 students. A total of 94 respondents were selected through purposive sampling. Data were collected via online questionnaires and analyzed using multiple linear regression with SPSS 26. The results showed that ease of use does not significantly influence the decision to use DANA e-wallet, whereas perceived benefits and perceived risk each had a significant effect. Simultaneously, the three independent variables significantly influence usage decisions, with a coefficient of determination of 68.4%. Conversely, 31.6% of the variation was explained by elements not included among the variables analyzed in this study.  The study contributes practical implications for e-wallet service providers, emphasizing the need to enhance functional benefits, improve interface usability, and strengthen user trust in digital transaction security.   [Adopsi teknologi keuangan digital di kalangan mahasiswa tetap menjadi area penelitian yang penting, khususnya mengenai faktor-faktor yang mendorong atau menghambat keputusan penggunaan dompet elektronik. Studi ini meneliti pengaruh kemudahan penggunaan, manfaat yang dirasakan, dan risiko yang dirasakan terhadap keputusan penggunaan dompet elektronik DANA di kalangan mahasiswa Fakultas Ekonomi dan Bisnis Islam, UIN Madura. Penelitian ini menggunakan desain penelitian kausal kuantitatif, dengan populasi 1.662 mahasiswa. Sebanyak 94 responden dipilih melalui pengambilan sampel bertujuan. Data penelitian dikumpulkan melalui kuesioner daring dan dianalisis menggunakan regresi linier berganda dengan SPSS 26. Hasil penelitian menunjukkan bahwa kemudahan penggunaan tidak secara signifikan memengaruhi keputusan penggunaan dompet elektronik DANA, sedangkan manfaat yang dirasakan dan risiko yang dirasakan masing-masing memberikan pengaruh yang signifikan. Secara simultan, ketiga variabel independen tersebut secara signifikan memengaruhi keputusan penggunaan dompet elektronik DANA dengan koefisien determinasi sebesar 68,4%. Sebaliknya, 31,6% dari variasi tersebut dijelaskan oleh elemen-elemen yang tidak termasuk di antara variabel yang dianalisis dalam penelitian ini. Studi ini memberikan implikasi praktis bagi penyedia layanan dompet elektronik, menekankan perlunya meningkatkan manfaat fungsional, memperbaiki kemudahan penggunaan antarmuka, dan memperkuat kepercayaan pengguna terhadap keamanan transaksi digital.]
Analisis Manajemen Risiko Operasional pada Produk Tabungan Haji di BPRS Bhakti Sumekar Cabang Madya Pamekasan Musyfiqur Rahman; Khotibul Umam
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i1.9102

Abstract

Hajj savings is an important product in Islamic banking that assists Muslims in financially planning their pilgrimage. This study analyzes the implementation of operational risk management on the hajj savings product at BPRS Bhakti Sumekar Cabang Madya Pamekasan, aiming to identify the supporting factors, obstacles, and its impact on product success. A qualitative method was employed through observation, interviews, and documentation to comprehensively collect primary and secondary data. The analysis shows that effective risk management practices, such as the use of the digital Setrik application and standardized procedures, can minimize operational risks like human errors and fraud. The main supporting factors include quality human resources, adequate technology, and customer loyalty; while the obstacles consist of limited network coverage in remote areas, account officers’ time management, and low technological literacy among elderly customers. The positive impacts of effective risk management include increased customer satisfaction and growth in the hajj savings portfolio, whereas neglecting operational risk may cause financial losses and erosion of customer trust. The study’s implications emphasize strengthening the integration between risk management and business strategies to ensure the sustainability and competitiveness of Islamic banking.
QRIS Implementation in Muslim MSMEs: Opportunities and Challenges for Digital Financial Inclusion in Pamekasan Khotibul Umam; Umarul Faruq; Syahda Adita; Nadya Apriza Azizi; Halimi Husayn
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 3 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i3.1902

Abstract

Background: The implementation of Quick Response Code Indonesian Standard (QRIS) has emerged as a strategic initiative to promote digital financial inclusion among micro, small, and medium enterprises (MSMEs) in Indonesia. However, adoption patterns vary significantly across regions, particularly in areas with strong socio-religious identities such as Pamekasan Regency. Research Gap: While previous studies have examined QRIS adoption from technological and economic perspectives, limited attention has been given to understanding how Islamic ethical values shape technology acceptance among Muslim MSMEs in culturally religious communities. The integration of technology acceptance models with religious and ethical dimensions remains underexplored. Novelty: This study offers a novel contribution by integrating the Technology Acceptance Model (TAM), Unified Theory of Acceptance and Use of Technology (UTAUT), and Islamic business ethics principles (amanah, ṣidq, taysīr, maṣlaḥah) to provide a comprehensive framework for understanding QRIS adoption behavior among Muslim MSMEs. Method: Using a qualitative case study approach, data were collected through in-depth interviews, participant observation, and documentation involving 21 participants selected through purposive sampling. Thematic analysis was conducted using the Miles and Huberman interactive model. Results: The findings reveal that QRIS adoption is driven not only by perceived usefulness and ease of use but also by Islamic ethical considerations that strengthen trust in digital payment systems. However, challenges persist, including limited digital literacy, cybersecurity concerns, infrastructure instability, settlement delays, and resistance to cashless transactions. Conclusion: This study underscores the importance of integrating digital literacy programs, institutional support, and Islamic ethical approaches to promote inclusive and sustainable digital financial ecosystems among Muslim communities.
Strategi Bauran Pemasaran dalam Meningkatkan Penghimpunan Dana Deposito di BPRS Sarana Prima Mandiri Kantor Pusat Pamekasan Anisa Fitria; Khotibul Umam
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 9 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i9.13132

Abstract

This research is grounded in the crucial role of marketing strategy in driving the growth of mudharabah deposit funds in Islamic financial institutions. The aim of this study is to analyze the implementation of the 7P marketing mix in increasing the collection of mudharabah deposit funds at PT BPRS Sarana Prima Mandiri. The research employs a qualitative approach with a descriptive research design. Data were collected through interviews, observation, and documentation, with the Branch Head, Head of Funding, Customer Service staff, and deposit customers serving as sources of information. The results show that PT BPRS Sarana Prima Mandiri implements a marketing mix strategy through products that comply with sharia principles, a transparent profit-sharing system, both direct and indirect promotion, friendly service, a simple process, and facilities that support customer comfort. Promotional strategies through personal relationship-building (silaturahmi) and direct visits proved to be the most effective in attracting customer interest. Nevertheless, challenges remain, including competition with other financial institutions and fluctuations in profit-sharing rates. Therefore, product innovation and stronger promotional strategies are needed to sustainably increase the collection of mudharabah deposit funds.
The Effect of Usage Barrier, Tradition Barrier and Digital Literacy on QRIS Adoption Resistance in Market Traders August 17 Naili Zulfa Hidayati; Khotibul Umam Umam
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 10 No. 1 (2026)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v10i1.2271

Abstract

This study aims to analyze the influence of use barrier, tradition barrier, and digital literacy on the resistance to the adoption  of the Quick Response Code Indonesian Standard (QRIS) in traders at the 17 August Pamekasan Market. The study uses an explanatory quantitative approach with  a cross-sectional survey  of 100 traders who have not adopted QRIS. Data was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the help of SmartPLS 4.0 through bootstrapping 5,000 subsamples. The results showed that the tradition barrier had a positive and significant effect on the resistance of QRIS adoption (? = 0.440; p < 0.001), while digital literacy had a negative and significant effect on the resistance of QRIS adoption (? = -0.500; p < 0.001; f² = 0.768). Meanwhile, the usage barrier had no significant effect on QRIS adoption resistance (? = 0.130; p = 0.094). The research model explained the 74.1% variability of QRIS adoption resistance (R² = 0.741). The findings showed that attachment to transaction habits was a significant source of resistance, while better digital capabilities were associated with lower resistance levels. The implications of the study emphasize the importance of community-based digital education, simulation, and mentoring that considers the characteristics and habits of traditional market traders.
SELF MANAGEMENT DAN PERILAKU KONSUMTIF GEN Z: STUDI KORELASIONAL PADA SISWA MADRASAH ALIYAH Nayliyatul Cholishoh; Khotibul Umam
Edu Consilium : Jurnal Bimbingan dan Konseling Pendidikan Islam Special Edition: The 1st International Conference on HOLISTIC Guidance and Counseling
Publisher : Universitas Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/ec.holistic1.25772

Abstract

Consumptive behavior among Generation Z has become an important issue to study due to increasing access to social media and online shopping platforms, which may encourage excessive consumption among adolescents. This study aimed to examine the relationship between self management and consumptive behavior among Generation Z students at MA Al Falah Sumber Gayam. The study employed a quantitative approach with a correlational design. Probability sampling with random sampling was used to select the participants, and the sample size was determined using the Slovin formula. The results showed a significant relationship between self management and consumptive behavior among Generation Z students at MA Al Falah Sumber Gayam, Kadur, Pamekasan, as indicated by a significance value of < 0.05 (0.000 < 0.05). The correlation coefficient was −0.764, indicating a strong negative relationship between the two variables. This negative direction indicates that the two variables move in opposite directions: the higher the students’ self management, the lower their consumptive behavior, and vice versa. These findings highlight the importance of strengthening self management skills through guidance and counseling services to help students regulate consumptive behavior more effectively.
Pengaruh Pengaruh Kualitas Layanan, Literasi Keuangan dan Kepatuhan Syariah Terhadap Loyalitas Mahasiswa Febi UIN Madura Menggunakan Byond By BSI Cindi Anitia Prastika; Khotibul Umam
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 5 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i5.21012

Abstract

Digital technology has transformed banking services, including Islamic banking applications. This study examines the effects of service quality, financial literacy, and sharia compliance on students’ loyalty in using BYOND by BSI. The study employed a quantitative causal-associative survey involving 322 students of the Faculty of Islamic Economics and Business, State Islamic University of Madura, selected through purposive sampling. Data were collected using a five-point Likert questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results show that service quality has a positive and significant effect on student loyalty (β = 0.322; t = 2.274; p = 0.023), while financial literacy (β = 0.017; p = 0.547) and sharia compliance (β = 0.024; p = 0.348) have no significant effects. Together, the three variables explain 42.1% of the variance in student loyalty. These findings indicate that service quality plays an important role in strengthening students’ loyalty to BYOND by BSI.
The Effect of Product Quality and Service Quality on Member Satisfaction on Multipurpose Blessing Loans at KSPPS BMT NU East Java Camplong Branch: Pengaruh Kualitas Produk dan Kualitas Layanan Terhadap Kepuasan Anggota Pada Pinjaman Multiguna Berkah di KSPPS BMT NU Jawa Timur Cabang Camplong Khoirun Nisa’; Khotibul Umam
Perisai : Islamic Banking and Finance Journal Vol. 9 No. 1 (2025): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i1.1780

Abstract

This research aims to analyze the influence of product quality and service quality on member satisfaction for the Multiguna Berkah Loan product at KSPPS BMT NU East Java, Camplong Branch. The research employed a quantitative method through multiple linear regression analysis with a sample of 98 respondents drawn from the population of members using the loan product. The results indicate that both product quality and service quality have a positive and significant impact on member satisfaction. These findings demonstrate that improvements in product and service quality can increase member satisfaction, which in turn can strengthen their loyalty to the Multiguna Berkah Loan product at KSPPS BMT NU East Java, Camplong Branch. This research provides important implications for the management of KSPPS BMT NU East Java, Camplong Branch to continuously enhance product and service quality and collect feedback from members for sustainable improvement.
Co-Authors Ach. Sudis Alwi Alkauzer Alkauzer Anisa Fitria Cindi Anitia Prastika Cut Linda Marheni Fadllan Fadllan Fahrurrozi Fahrurrozi Farid Firmansyah Fatati Nuryana Halimi Husayn Istiq Lailiyah Khoirun Nisa’ Lukmanul Hakim Miftahul Ulum Mohammad Zainuri Musyfiqur Rahman Nadya Apriza Azizi Nadya Apriza Azizi Nadya Apriza Azizi Faruq Naili Zulfa Hidayati Naili Zulfa Hidayati Hidayati Nayliyatul Cholishoh Nur Tilawatil Quran Sakinah Sakinah Siti Khotijah Syahda Adita Try Itsnawati Ulfatul Hasanah Umarul Faruq Umarul Faruq Umarul Faruq Yudha Dwi Putra Negara, Yudha Yunadi Yunadi Zainal Abidin