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All Journal INFERENSI Risâlah, Jurnal Pendidikan dan Studi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Muqtasid: Jurnal Ekonomi dan Perbankan Syariah ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah Jurnal Akuntansi dan Keuangan Tadayun: Jurnal Hukum Ekonomi Syariah Kasta: Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Jurnal Riset Rumpun Agama dan Filsafat Neraca Manajemen, Akuntansi, dan Ekonomi Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Cendekia Ilmiah
Anton Bawono
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Religion Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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The Effect of Payment Using Shopeepay Later on Islamic Consumption Behavior in the Millennial Generation Arum Teguh Fitriyani; Anton Bawono
J-CEKI : Jurnal Cendekia Ilmiah Vol. 3 No. 4: Juni 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v3i4.3743

Abstract

The rapid development of technology and the many marketplaces that have mushroomed in Indonesia have made the millennial generation prefer to carry out activities on one hand. One way is to buy various necessities. One of the platforms that provides various community needs is Shopee. Shopee itself has many features, not only providing clothing and necessities but also providing various postpaid services, PBB, and so on. Shopee provides a payment feature, namely Shopeepay Later, where this feature functions almost the same as credit, but Shopee does not ask for any collateral so this feature helps the millennial generation to shop even if they don't have money. This research will discuss the influence of Shopeepay Later payments on Islamic consumption behavior in the millennial generation. This research is quantitative research using interval data types and primary data sources. From the results of this research, convenience, trust, and lifestyle simultaneously influence consumption behavior in the millennial generation, whereas convenience and trust do not influence Islamic consumption behavior in the millennial generation, while lifestyle variables influence consumption behavior in the millennial generation.
Development Strategy and Innovation of Non-Bank Islamic Financial Institutions: A Study on BMT, KSPPS, and Islamic Fintech in Indonesia Sutandi; Anton Bawono
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 2 No. 3 (2025): JUNI-JULI 2025
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

This study examines the development strategies and innovations of non-bank Islamic financial institutions (LKNBS) in Indonesia, focusing on Baitul Maal wa Tamwil (BMT), Sharia Cooperatives for Savings and Financing (KSPPS), and Islamic fintech. These institutions are crucial for promoting financial inclusion and supporting the Muslim community's economy, especially in underserved areas. However, they face challenges such as limited access to technology, low financial literacy, and competition from conventional financial institutions. The study applies Blue Ocean Strategy and Schumpeter's Innovation Model to address these challenges. Blue Ocean Strategy focuses on creating untapped market spaces and reducing competition by offering unique products and services, while Schumpeter's model emphasizes the importance of continuous innovation for driving growth and competitiveness. The study finds that non-bank Islamic financial institutions can leverage these strategies to develop innovative Sharia-compliant financial products and utilize digital platforms like mobile apps for microfinancing, digital payments, and crowdfunding. These innovations can enhance operational efficiency, broaden market access, and cater to underserved communities, particularly in rural areas and among micro, small, and medium enterprises (MSMEs). The study concludes with recommendations for adopting advanced technologies, supporting regulatory frameworks, and increasing market penetration to foster growth and sustainability. By adopting these strategies, LKNBS can strengthen their competitiveness and contribute to Indonesia’s economic development.  
THE INFLUENCE OF THE AVAILABILITY OF NON-HALAL RESTAURANTS AROUND CAMPUS ON STUDENTS' DECISIONS IN CHOOSING HALAL FOOD (CASE STUDY AT THE BEKASI STIAMI INSTITUTE) Sutandi; Anton Bawono
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 6 (2024): Desember 2024 - Januari 2025
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

This research aims to analyze the influence of non-halal restaurants around the Bekasi STIAMI Institute campus on students' decisions to choose halal food. In a campus environment dominated by non-halal restaurants, students face limited access to and choices for halal food. This research uses a quantitative method with a questionnaire instrument to evaluate students' perceptions of two main factors: the existence of non-halal restaurants (X1) and the offer of halal food (X2). The research results show that the presence of non-halal restaurants significantly affects students' preference for halal food, with an R value of 0.729 and an R Square of 0.531. Despite this influence, religious factors remain dominant in shaping students' preferences, supported by considerations of accessibility, price, and variety of halal food. In conclusion, students prioritize consuming halal food even when more diverse non-halal options are available around the campus. Therefore, improving the accessibility and variety of halal food options around the campus is essential to better meeting the needs of Muslim students.
Permintaan Produk Halalan Thayyiban: Perspektif Ekonomi Islam Khusnul Lailia; Anton Bawono
ISTIKHLAF: Jurnal Ekonomi, Perbankan dan Manajemen Syariah Vol. 7 No. 2 (2025): (September 2025)
Publisher : Institut Agama Islam Yasni Bungo Jambi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51311/istikhlaf.v7i2.1122

Abstract

Penelitian ini mengkaji gagasan permintaan produk halalan thayyiban melalui lensa ekonomi Syariah, yang menekankan pada keselarasan antara aspek material dan spiritual kehidupan. Ekonomi Islam mendasarkan perilaku konsumen pada prinsip-prinsip Syariah, berlawanan dengan logika dan efisiensi yang ditekankan oleh ekonomi Barat. Artikel jurnal, buku, dan karya ilmiah lainnya menjadi dasar metodologi tinjauan pustaka studi kualitatif ini. Temuan tersebut menunjukkan bahwa aspek agama, etika, keamanan, dan kualitas produk berdampak pada permintaan produk halalan thayyiban secara keseluruhan. Landasan hukum Syariah didasarkan pada standar halal, sedangkan thayyib menekankan pentingnya kebersihan, welas asih, dan keuntungan. Dengan berpegang pada prinsip-prinsip halalan thayyiban, sistem ekonomi syariah dapat mencapai tujuan maqasid syariah yaitu keadilan, berkah, dan kemakmuran, yang pada gilirannya meningkatkan kepercayaan pelanggan dan menjadikan bisnis halal lebih kompetitif.
Sinergi Amanah dan Tawakal dalam Ketahanan Bisnis Zero-Supervision: Reflesksi Kritis Teori Agensi dan Homo Economicus Risno Ibrahim; Anton Bawono; Wahyu Wibowo
AKUA: Jurnal Akuntansi dan Keuangan Vol. 5 No. 1 (2026): Januari 2026
Publisher : Yayasan Pendidikan Penelitian Pengabdian Algero

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54259/akua.v5i1.6497

Abstract

This research examines the business phenomenon of a Zero-Supervision canteen at UIN Sunan Kalijaga Yogyakarta, which remarkably survives despite operating without formal supervision and facing daily financial losses. The research aims to analyze the synergy between Amanah (trustworthiness) and Tawakal (spiritual reliance) in sustaining business resilience (value resilience), while critically reflecting on Agency Theory and the Homo Economicus assumption. Using a qualitative single case study approach, data were collected through in-depth interviews with 13 informants—students and the canteen owner—and supported by direct observation. The findings reveal that Amanah, driven by spiritual accountability, functions as an internal control mechanism that substitutes formal supervision and significantly reduces agency costs, approaching zero-agency cost. Meanwhile, Tawakal serves as a spiritually grounded risk management strategy that enables the business owner to tolerate uncertainty and financial losses without jeopardizing business continuity. The synergy of these values forms a holistic resilience model that extends beyond financial metrics to encompass ethical, social, and spiritual dimensions. This study provides empirical evidence that spiritual capital plays a fundamental role in sustaining micro-businesses and offers a critical challenge to conventional economic models rooted solely in rational self-interest.
Telaah Kepemimpinan Kiai dalam Mencegah Radikalisme: Studi di Pondok Pesantren Krapyak Yogyakarta Us’an; Suroto; Anton Bawono; Sriyono; Navi Agustina
Risâlah Jurnal Pendidikan dan Studi Islam Vol. 11 No. 4 (2025)
Publisher : Fakultas Agama Islam Universitas Wiralodra Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/jurnal_risalah.v11i4.2591

Abstract

Indonesia merupakan negara dengan keanekaragaman yang sangat besar, baik agama, etnis, bahasa maupun budaya. Dalam konteks kehidupan bermasyarakat, keberagaman tersebut menjadi tantangan bagi bangsa. Salah satu tantangan utamanya adalah menjaga keharmonisan sosial masyarakat dan membangun toleransi antar umat beragama. Indonesia dengan berbagai pemahaman agama tersebut, cenderung menimbulkan gesekan antar kelompok, jika kelompok tersebut masih menganggap kebenaran hanya pada kelompok mereka. Penelitian ini bertujuan untuk mengkaji bagaimana peran pondok pesantren Krapyak dalam mencegah paham radikalisme dan membentuk sikap moderat atau toleran para santrinya. Penelitian ini menggunakan metode deskriptif kualitatif, di mana data dikumpulkan melalui wawancara, observasi, dan dokumentasi yang melibatkan Kiai dan pengurus pondok pesantren Krapyak. Berdasarkan hasil penelitian ditemukan bahwa dalam mencegah radikalisme dan membentuk perilaku moderat pondok pesantren Krapyak melakukannya dengan beberapa cara yaitu: 1) melalui Penanaman Akhlaq dengan pembelajaran kitab-kitab klasik (kitab kuning), 2) halaqah atau diskusi suatu permasalahan antar santri, 3) hafalan dalam bentuk sorogan dan bandongan, 4) pembiasaan kegiatan santri setiap hari. Pola pembiasaan ini relevan untuk membentuk sikap moderat atau toleransi.
Dampak Program Qordhul Hasan BPR Syariah Mitra Mentari Sejahtera Terhadap Pertumbuhan Usaha Mikro Kader Pemuda Muhammadiyah Ponorogo: - Agus Supatma; Anton Bawono; Raden Lukman Fauroni
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30722

Abstract

The Qordhul Hasan program is a form of social financing provided by Islamic banking, aimed at encouraging community economic empowerment, particularly for micro-entrepreneurs. This article aims to analyze the impact of the Qordhul Hasan program provided by BPR Syariah Mitra Mentari Sejahtera Ponorogo on the development of micro-enterprises of Muhammadiyah Youth cadres. This research uses a literature review method with a descriptive-analytical approach, analyzing previous research findings, statistical data on small and medium enterprises, and Islamic micro-financing practices. The results indicate that Qordhul Hasan financing significantly contributes to increasing the capital, income, and sustainability of Muhammadiyah Youth cadres' micro-enterprises, although it still faces several challenges in terms of funding sources and business mentoring.
Digital Green Waqf, Institutional Governance, and Economic Resilience in Islamic Financial Institutions: A Neo-Integrated Islamic Market Justice Approach Febri Delmi Yetti; Anton Bawono; Abdul Aziz; Wartoyo; Sri Rokhlina Sari
KASTA : Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Vol. 6 No. 1 (2026): April
Publisher : Lembaga Bale Literasi

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Abstract

The rapid digital transformation in the financial sector has stimulated new innovations in Islamic social finance, particularly in the governance of waqf institutions. One emerging concept is Digital Green Waqf, which integrates digital technology into waqf management while directing investments toward sustainability-oriented projects. However, empirical evidence explaining how digital waqf initiatives influence institutional governance and sustainability outcomes within Islamic financial institutions remains limited. This study aims to examine the role of Digital Green Waqf in strengthening governance quality, sustainability investment, and economic resilience in Islamic financial institutions in Indonesia using the theoretical framework of Neo-Integrated Islamic Market Justice (Neo-IIMJ). The research adopts a mixed-method approach combining quantitative panel data analysis with qualitative institutional interpretation. Secondary data covering the period 2015–2024 were obtained from the Indonesian Waqf Board (BWI), BAZNAS statistics, Bank Indonesia reports, and World Bank development indicators. Panel regression analysis is used to examine the relationship between digital waqf development, governance quality, sustainability outcomes, and economic resilience. The findings indicate that Digital Green Waqf significantly improves governance transparency and promotes sustainability-oriented waqf investment, which subsequently strengthens economic resilience. These results demonstrate the growing institutional role of digital waqf in enhancing the governance capacity of Islamic financial institutions. This study contributes theoretically by integrating Digital Green Waqf within the Neo-Integrated Islamic Market Justice framework as an institutional model linking digital innovation, governance accountability, and sustainability in Islamic financial systems, while also providing policy insights for strengthening waqf governance, accelerating digital transformation in Islamic financial institutions, and supporting sustainable development agendas aligned with the Sustainable Development Goals (SDGs).
Analysis Of the Effect of Financial Ratios and Operating Expenses on The Profitability of Islamic Banks with Non-Performing Financing (NPF) As A Moderating Variable Nurjati, Lukman; Anton Bawono
KASTA : Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Vol. 6 No. 1 (2026): April
Publisher : Lembaga Bale Literasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58218/kasta.v6i1.2702

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operating Expenses to Operating Income (BOPO) on profitability proxied by Return on Assets (ROA) with Non Performing Financing (NPF) as a moderating variable in Islamic Commercial Banks in Indonesia during the 2020–2024 period. This research employs a quantitative approach using secondary data obtained from the annual financial reports of Islamic Commercial Banks and the Islamic Banking Statistics published by the Financial Services Authority (OJK). The research sample consists of 12 Islamic Commercial Banks selected using purposive sampling, resulting in 60 observations during the research period. The analytical method used is panel data regression with Moderated Regression Analysis (MRA) to examine the influence of independent variables and the role of the moderating variable. The results show that CAR and FDR have a positive and significant effect on ROA, while BOPO has a negative and significant effect on ROA, and NPF has a positive and significant effect on ROA. Furthermore, the moderation analysis indicates that NPF weakens the influence of CAR and FDR on ROA while strengthening the effect of BOPO on ROA. These findings indicate that the management of capital adequacy, liquidity, operational efficiency, and financing quality plays an important role in improving the profitability of Islamic Commercial Banks in a sustainable manner.
Integrative Model of Human Resource Management Based on Maqasid al-Syari'ah and Its Impact on Organizational Performance in Sharia Financial Institutions in Region III Cirebon Aris Budiman; Abdul Aziz; Anton Bawono; Wartoyo; Layaman
KASTA : Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Vol. 6 No. 1 (2026): April
Publisher : Lembaga Bale Literasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58218/kasta.v6i1.2716

Abstract

In this paper, I explore an integrative model of Human Resource Management (HR) based on the principles of Maqasid al-Syari'ah and its impact on organizational performance in Sharia Financial Institutions in Indonesia. I begin by emphasizing the relevance of Maqasid al-Syari'ah, which aims to preserve religion, life, intellect, heredity, and wealth, in order to improve the practice of human resources. My research addresses gaps in the existing literature regarding the integration of these principles into HR frameworks. Using a mixed-methods approach, I analyzed data collected from various Sharia Financial Institutions in Region III Cirebon, evaluating how Maqasid al-Shari'ah-based HR strategies, such as ethical hiring and employee development, contribute to improving organizational performance metrics. The findings demonstrate the benefits and challenges of implementing this model, offering valuable insights into improving employee satisfaction and organizational productivity while adhering to Islamic values. In addition, I provide recommendations for future research and practical applications to further refine this integrative model.
Co-Authors Abdul Aziz Agus Supatma Agus Syafei Aris Budiman Arum Teguh Fitriyani Choirul Amirudin Fina Ainul Fitriya Khusnul Lailia Layaman Milatunnikmah Finisia Rahajeng Oktaviani Navi Agustina Nurjati, Lukman Nurul Wulandari Putri R. Lukma Fauroni Raden Lukman Fauroni Risno Ibrahim Sri Rokhlina Sari Sriyono Sugeng Riadi SUROTO Sutandi Us’an Wafirrotullaela Wafirrotullaela Wahyu Wibowo Wartoyo Wartoyo Yetti, Febri Delmi