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The Determinants of Intention to Adopt Islamic Financial Technology in Indonesia Pardiansyah, Elif; Sobari, Nurdin; Usman, Hardius
EQUILIBRIUM Vol 10, No 2 (2022): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v10i2.16539

This study analyses the factors determining the intention to adopt Islamic financial technology for Muslim users in Indonesia. This study uses a quantitative approach to analyze the determinant of intention to adopt Islamic fintech. The analysis was carried out using Structural Equation Modeling (SEM) with the SmartPLS application tool to examine the relationship between variables in the model. 205 respondents were selected through a purposive sampling technique to get Muslim respondents in Jabodetabek and Bandung who had used fintech applications but had not used sharia fintech. The results showed that the determinant of intention to use Islamic fintech is positively and significantly influenced by Perceived Usefulness (PU) and attitude (A). Meanwhile, perceived ease of use (PEOU), trust (T), and religiosity (R) have a positive but not significant effect on the intention to use (ITU) Islamic fintech. Indirectly, perceived ease of use and trust has a positive and significant effect on the intention to use Islamic fintech through perceived usefulness (PU) and attitude variables; perceived usefulness (PU) and religiosity (R) have a positive and significant effect on the intention to use Islamic fintech through attitude.

The Influence of ZIS Fund Distribution, Sharia Financing, and Social assistance program Program on Poverty Alleviation: The Mediating effect of Islamic Human Development Index Awaliah, Siti Farika Nurul; Badina, Tenny; Pardiansyah, Elif
JURNAL EKONOMI SYARIAH Vol 9, No 1 (2024): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v9i1.10069

Introduction to The Problem: The poverty level in Indonesia will increase at the end of 2022, while the growth in the realization of distribution of ZIS funds, Sharia Financing, Social assistance program Program and I-HDI, represented by IPM, will experience good growth and increase significantly in 2022.Purpose/Objective Study: This research aims to determine (1) the influence of distribution of ZIS funds on poverty, (2) sharia financing on poverty, (3) social assistance program funds on poverty, and (3) Islamic human development index as a mediator between the influence of ZIS, sharia financing, and social assistance program for poverty alleviation.Design/Methodology/Approach:The method used in this research is descriptive quantitative, with a sample of 10 provinces with the largest Muslim population in Indonesia. The data used is secondary data obtained from the official website of the relevant institution. Data were processed using Smart PLS 4.0.9 software and analyzed using the Structural Equation Modeling (SEM) method with the Partial Least Squares (PLS) approach.Findings: The results of this research show that (1) the distribution of ZIS funds has a significant negative effect on poverty, (2) sharia financing has a significant negative effect on poverty, (3) social assistance program has a significant positive effect on poverty, (4) the Islamic human development index is able to mediate the effect of distribution ZIS funds, sharia financing, and social assistance program towards poverty alleviation.Paper Type: Research Article

The Impact of Financing Restructuring Policy on Financial Performance and Islamic MSME Financing during Covid-19: A Study of Indonesian Islamic Commercial Banks Safira , Zahra; Badina, Tenny; Pardiansyah, Elif
Iqtishodia: Jurnal Ekonomi Syariah Vol. 9 No. 2 (2024): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v9i2.1352

The purpose of this study was to determine the differences in Return on Assets (ROA), Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operating Expenses to Operating Income (BOPO), as well as Islamic MSME Financing at Islamic commercial banks in Indonesia before and after the implementation of the financing restructuring policy during the Covid-19 period. The research method used to analyze is a comparative method with a quantitative approach calculated using the Paired sample t-test if the data is normally distributed and the Wilcoxon signed rank test if the data is not normally distributed which is carried out using IBM SPSS 25 software. The results showed that there were significant differences in financial performance as seen in the ratios of ROA, NPF, CAR, FDR, and BOPO before and after the implementation of the financing restructuring policy during the Covid-19 period. Meanwhile, Islamic MSME financing has no difference before and after the implementation of the financing restructuring policy during the Covid-19 period. Overall, the restructuring policy has a positive impact on the financial health of Islamic Commercial Banks, while maintaining stable support for Islamic MSME financing in Indonesia.

Analisis Studi Kelayakan Usaha Pada Gans Kedai Tembakau di Kota Serang, Banten Ahyakudin; Pardiansyah, Elif; Najib, Mohamad Ainun
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 16 No 1 (2023): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : STEKOM PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v16i1.1095

This research is motivated by the role of tobacco which is one of the important agribusinesses in Indonesia and has contributed to the national, regional and community economies. Seeing this opportunity, conducting a business feasibility study is necessary to improve the Indonesian tobacco industry. This type of research is a field study. The method used is descriptive qualitative method. This research was conducted in Sumurpecung Village, Serang District, Serang Banten Regency. Data analysis techniques in this study include descriptive descriptions to analyze the financial and non-financial aspects. The results of this study indicate that the overall business feasibility in terms of non-financial aspects consisting of legal, marketing, technical, management, social-economic, and environmental impact aspects are declared feasible to run. Likewise, the financial aspect as a whole was declared feasible to run. Based on this, it can be concluded that the tobacco business run by Gans tobacco shop in Serang City is feasible to run based on an assessment of financial and non-financial aspects.

Analysis Of Factors Affecting Gen-Z’s Intention In Sharia Investment: Case Study Among Students At Untirta Safitri, Pinky Putrileoni; Mukhsin, Moh; Pardiansyah, Elif
JURNAL EKONOMI SYARIAH Vol 9, No 2 (2024): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v9i2.11179

The Role of Macroeconomic Indicators and National Zakat Index in Advancing the Islamic Human Development Index (I-HDI): A Case Study of Districts and Cities in Banten Province Pardiansyah, Elif; Ainun Najib, Mohamad
Journal of Islamic Economics and Finance Studies Vol 5 No 2 (2024): JIEFeS, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v5i2.8980

This study examines the impact of macroeconomic indicators and the National Zakat Index (IZN) on the Islamic Human Development Index (I-HDI) at the district and city level in Banten Province. While the conventional Human Development Index (HDI) by the UNDP is widely accepted, its lack of alignment with Islamic principles makes it less suitable for assessing development in Muslim-majority areas. This research is original in integrating macroeconomic factors and zakat within an Islamic development framework. The primary purpose is to assess how economic growth, unemployment, poverty, and the National Zakat Index influence I-HDI. A quantitative approach using Ordinary Least Squares (OLS) and multiple regression analysis was applied. The findings reveal that economic growth has a positive and significant effect on I-HDI, highlighting its role in human development. Unemployment, although negatively correlated with I-HDI, does not have a significant impact, suggesting limited immediate effects. Poverty significantly impacts I-HDI, emphasizing the need for focused poverty alleviation efforts. While the National Zakat Index is positively correlated with I-HDI, its effect is not statistically significant, indicating that zakat optimization requires further attention. These results stress the importance of targeted policies to reduce poverty, stimulate economic growth, and enhance zakat distribution. Policymakers should work to improve the effectiveness of zakat and integrate it into broader economic and social strategies to improve I-HDI in the Islamic context. Penelitian ini menguji dampak indikator ekonomi makro dan Indeks Zakat Nasional (IZN) terhadap Islamic Human Development Index (I-HDI) di tingkat kabupaten dan kota di Provinsi Banten. Meskipun Indeks Pembangunan Manusia (IPM) konvensional oleh UNDP telah diterima secara luas, kurangnya keselarasan dengan prinsip-prinsip Islam membuatnya kurang cocok untuk menilai pembangunan di daerah mayoritas Muslim. Penelitian ini merupakan penelitian orisinil yang mengintegrasikan faktor ekonomi makro dan zakat dalam kerangka pembangunan Islam. Tujuan utamanya adalah untuk menilai bagaimana pertumbuhan ekonomi, pengangguran, kemiskinan, dan Indeks Zakat Nasional mempengaruhi I-HDI. Pendekatan kuantitatif menggunakan Ordinary Least Squares (OLS) dan analisis regresi berganda. Temuan menunjukkan bahwa pertumbuhan ekonomi memiliki pengaruh positif dan signifikan terhadap I-HDI, menyoroti perannya dalam pembangunan manusia. Pengangguran, meskipun berkorelasi negatif dengan I-HDI, tidak memiliki dampak yang signifikan, yang menunjukkan efek langsung yang terbatas. Kemiskinan berdampak signifikan terhadap I-HDI, menekankan perlunya upaya pengentasan kemiskinan yang terfokus. Meskipun Indeks Zakat Nasional berkorelasi positif dengan I-HDI, dampaknya tidak signifikan secara statistik, yang menunjukkan bahwa optimalisasi zakat memerlukan perhatian lebih lanjut. Hasil ini menekankan pentingnya kebijakan yang tepat sasaran untuk mengurangi kemiskinan, merangsang pertumbuhan ekonomi, dan meningkatkan distribusi zakat. Para pembuat kebijakan harus berupaya meningkatkan efektivitas zakat dan mengintegrasikannya ke dalam strategi ekonomi dan sosial yang lebih luas untuk meningkatkan I-HDI dalam konteks Islam.

THE INFLUENCE OF ISLAMIC LIFESTYLE, HALAL CERTIFICATION, AND SOCIAL MEDIA EXPOSURE ON PURCHASING DECISIONS AT MIXUE OUTLETS IN SERANG CITY Imanuddin, Febri; Ahyakudin, Ahyakudin; Pardiansyah, Elif; Ginanjar, Rah Adi Fahmi
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.15098

Research aims: This study aims to examine the influence of Islamic lifestyle, halal certification, and social media exposure on purchasing decisions at Mixue outlets in Serang City. Design/Methodology/Approach: The research used a quantitative approach with survey data collected from 190 respondents. Multiple linear regression analysis was applied using SPSS 26. Prior to hypothesis testing, classical assumption tests including normality, multicollinearity, and heteroscedasticity were conducted to ensure data validity. Research findings: The results showed that Islamic lifestyle, halal certification, and social media exposure each had a positive and significant effect on purchasing decisions. The coefficient of determination (R²) was 0.503, indicating that 50.3% of the variation in purchasing decisions could be explained by the three independent variables. The remaining 49.7% was influenced by other factors outside the model. Theoretical Contribution/Originality: This research contributes to the understanding of consumer behavior in the context of halal and Islamic marketing, especially within the growing market segment of Muslim consumers in non-traditional halal industries such as ice cream chains. It highlights the integration of religious values and digital influence in shaping consumer preferences. Practitioners/Policy Implications: The findings suggest that food and beverage companies targeting Muslim consumers should not only focus on halal certification but also promote Islamic lifestyle compatibility and engage actively on social media platforms to enhance purchasing behavior. These insights are valuable for marketing strategists and brand managers operating in multicultural environments. Research Limitations/Implications: The study is limited to Mixue outlets in Serang City, which may not fully represent broader consumer behavior across different regions. Future research should involve comparative studies across cities or include moderating variables such as income or education level for more nuanced insights.

THE INFLUENCE OF ISLAMIC LIFESTYLE, HALAL CERTIFICATION, AND SOCIAL MEDIA EXPOSURE ON PURCHASING DECISIONS AT MIXUE OUTLETS IN SERANG CITY Imanuddin, Febri; Ahyakudin, Ahyakudin; Pardiansyah, Elif; Ginanjar, Rah Adi Fahmi
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.15098

Research aims: This study aims to examine the influence of Islamic lifestyle, halal certification, and social media exposure on purchasing decisions at Mixue outlets in Serang City. Design/Methodology/Approach: The research used a quantitative approach with survey data collected from 190 respondents. Multiple linear regression analysis was applied using SPSS 26. Prior to hypothesis testing, classical assumption tests including normality, multicollinearity, and heteroscedasticity were conducted to ensure data validity. Research findings: The results showed that Islamic lifestyle, halal certification, and social media exposure each had a positive and significant effect on purchasing decisions. The coefficient of determination (R²) was 0.503, indicating that 50.3% of the variation in purchasing decisions could be explained by the three independent variables. The remaining 49.7% was influenced by other factors outside the model. Theoretical Contribution/Originality: This research contributes to the understanding of consumer behavior in the context of halal and Islamic marketing, especially within the growing market segment of Muslim consumers in non-traditional halal industries such as ice cream chains. It highlights the integration of religious values and digital influence in shaping consumer preferences. Practitioners/Policy Implications: The findings suggest that food and beverage companies targeting Muslim consumers should not only focus on halal certification but also promote Islamic lifestyle compatibility and engage actively on social media platforms to enhance purchasing behavior. These insights are valuable for marketing strategists and brand managers operating in multicultural environments. Research Limitations/Implications: The study is limited to Mixue outlets in Serang City, which may not fully represent broader consumer behavior across different regions. Future research should involve comparative studies across cities or include moderating variables such as income or education level for more nuanced insights.

Sosialisasi dan Pendampingan Sertifikasi Halal Gratis (Sehati) Dengan Skema Self-Declare Bagi Pelaku Usaha Mikro di Desa Domas Pardiansyah, Elif; Abduh, Muhammad; Najmudin
Jurnal Pengabdian dan Pengembangan Masyarakat Indonesia Vol. 1 No. 2 (2022)
Publisher : Media Publikasi Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56303/jppmi.v1i2.39

Setiap produk yang masuk, beredar, dan diperdagangkan di wilayah Indonesia wajib bersertifikat halal. Namunvdata Kementerian keuangan menunjukan bahwa hanya 1% produk UMKM yang sudah tersertifikasi halal. Kegiatan pengabdian ini bertujuan memberikan pemahaman pentingnya sertifikasi halal bagi usaha mikro dan kecil (UMK), salah satunya melalui program sertfikasi halal gratis yang digagas pemerintah. Disamping itu, dalam kegiatan ini juga diberikan pendampingan berupa tutorial pendaftaran sertifikasi halal gratis melalui website SIHALAL. Subjek dalam kegiatan ini adalah pelaku UMK yang berlokasi di Desa Domas Kec. Pontang, Kabupaten Serang. Metode pelaksanaan pengabdian dilakukan dengan tiga tahap, yaitu tahap persiapa, tahap pelaksanaan penyampaian materi, dan tahap tutorial pendaftaran sertifikasi halal gratis pelaku usaha. Pembahasan dalam kegiatan pengabdian ini berupa: 1) masyarakat diberikan pengetahuan dan pemahaman terkait pentingnya sertifikasi halal untuk pelaku usaha mikro dan kecil, 2) masyarakat pelaku usaha mikro dan kecil diberikan materi terkait program sertifikasi halal gratis (Sehati), manfaat, persyaratan, dokumen pendukung dan prosedur pengajuannya, 3) masyarakat pelaku usaha diberikan materi terkait mekanisme dan tutorial pendaftaran sertifikasi halal gratis melalui http://ptsp.halal.go.id .Kesimpulan dari kegiatan ini menunjukan tiga hal; (1) Meningkatnya kesadaran dan pemahaman mengenai pentingnya sertifikasi halal bagi pelaku usaha mikro dan kecil (UMK); (2). Masyarakat pelaku usaha mikro dan kecil (UMK) mengetahui program sertifikasi halal gratis dengan skema self-declare bagi untuk usaha mikro dan kecil (UMK) yang biayanya dibebankan pada DIPA BPJPH; (3). Masyarakat pelaku usaha mikro dan kecil (UMK) memahami prosedur dan mekanisme pendaftaran program sertifikasi halal gratis.

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