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All Journal Cakrawala Pendidikan Jurnal Ekonomi Syariah Teori dan Terapan EKSPANSI al-Uqud : Journal of Islamic Economics AFEBI Islamic Finance and Economic Review Jurnal Kajian Peradaban Islam Amwaluna Jurnal Ekonomi dan Keuangan Syariah Indonesian Journal of Halal Research JASF (Journal of Accounting and Strategic Finance) Review of Islamic Economics and Finance Coopetition : Jurnal Ilmiah Manajemen TSARWATICA (Islamic Economic, Accounting, and Management Journal) Daengku: Journal of Humanities and Social Sciences Innovation Jurnal Kajian Peradaban Islam Al-Muamalat : Jurnal Ekonomi Syariah Journal of Islamic Economic Laws KEDJATI Journal of Islamic Civilization
Juliana Juliana
Universitas Pendidikan Indonesia
Religion Humanities Biochemistry, Genetics & Molecular Biology Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences Other

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Halal Entrepreneurship Intention among Muslim Students: The Mediating Role of Attitude, Risk-Taking Propensity, and Self-Efficacy Iskandar Iskandar; Pupu Saeful Rahmat; Sri Mulyati; Juliana Juliana; Asep Miftahuddin; Janah Sojanah; Shafinar Ismail; Inomjon Qudratov
Indonesian Journal of Halal Research Vol. 8 No. 1 (2026): February
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijhar.v8i1.51983

Abstract

Promoting halal businesses become urgent, as the global halal economy is projected to exceed USD 5 trillion by 2030, and Indonesia is of key contributor. However, despite the high entrepreneurial intention among university students, their participation in halal business activities is comparatively low. This study aims to examine the influence of religiosity on halal entrepreneurial intention in Indonesian Muslim students. Entrepreneurial attitudes, risk-taking propensity, and self-efficacy are considered as mediating variables between religiosity and halal entrepreneurial intention. Data were collected from 378 Muslim students at 47 private universities in West Java and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The structural model explained the variance in halal-based entrepreneurial intentions, with an R-squared of 0.654, indicating that religiosity and the mediator variables together explain approximately 65.4% of the variance in entrepreneurial intentions. The direct path coefficient demonstrates that religiosity significantly affects entrepreneurial attitudes (β = 0.606, p = 0.000), risk-taking propensity (β = 0.591, p = 0.000), self-efficacy (β = 0.653, p = 0.000), and intention to engage in halal entrepreneurship (β = 0.293, p = 0.000). All three mediating paths are statistically significant, with self-efficacy and entrepreneurial attitudes showing the strongest indirect effects (β = 0.156 each), followed by risk-taking propensity (β = 0.091). These results show that self-efficacy is the most influential factor, suggesting that higher religiosity is associated with greater self-confidence, moral resilience, and motivation for running a business in accordance with sharia principles. These findings extend the Theory of Planned Behavior (TPB) into an Islamic context and have implications for universities and policymakers in designing halal entrepreneurship education.
Do Institutional and Psychological Supports Foster Islamic Entrepreneurial Intention? Evidence from Productive Zakat Beneficiary Students in Indonesia and Malaysia Ahmad Ajib Ridlwan; Yan Putra Timur; Fitriah Dwi Susilowati; Muhamad Nafik Hadi Ryandono; Juliana Juliana; Shafinar Ismail
Journal of Islamic Economic Laws Vol. 9 No. 01 (2026): January
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v9i01.16783

Abstract

This study examines the determinants of Islamic entrepreneurial intention among productive zakat scholarship recipients in Indonesia and Malaysia. Data from 142 respondents were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to assess the effects of university support, perceived organizational support, and self-efficacy. The results show that university support and perceived organizational support significantly enhance self-efficacy, indicating the importance of institutional support in strengthening entrepreneurial confidence. University support also positively influences Islamic entrepreneurial intention, while perceived organizational support does not have a direct effect on intention. Self-efficacy emerges as the strongest predictor of Islamic entrepreneurial intention, highlighting its central role in translating institutional support into entrepreneurial motivation. The multi-group analysis reveals differences between Indonesia and Malaysia: in Indonesia, perceived organizational support strongly strengthens self-efficacy, which subsequently drives entrepreneurial intention, whereas in Malaysia, university support improves self-efficacy but does not significantly translate into intention. These findings suggest that the impact of institutional support on Islamic entrepreneurial intention is context-dependent across countries. Universities and zakat institutions should complement financial assistance with mentoring, business incubation, and networking opportunities to strengthen entrepreneurial intention among scholarship recipients. The study contributes to the literature by providing comparative evidence from Indonesia and Malaysia on the role of institutional support in shaping Islamic entrepreneurial intention.
Driving Maqāṣid al-Shari’ah Performance in Islamic Banks: The Roles of Islamic Social Reporting, Intellectual Capital, and Sharia Governance Arim Nasim; Elfina Qorina Binti Asbaruna; Juliana Juliana; Budi Supriatono Purnomo; Ropi Marlina; Muhamad Afif Sholahudin; Aam Slamet Rusydiana; Inomjon Qudratov
Al-Muamalat Vol. 13 No. 1 (2026): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v13i1.54396

Abstract

This study aimed to examine the influence of Islamic Social Reporting (ISR) and Islamic Intellectual Capital (IIC) on the Maqasid Shariah Index (MSI) in Islamic banks, with Islamic Corporate Governance (ICG) acting as a moderating variable. A quantitative method was used to analyze secondary data from 19 Islamic commercial banks operating in Indonesia, Malaysia, and Saudi Arabia during the 2023–2024 period. ISR was measured through content analysis based on 39 disclosure indicators, while IIC was assessed using the iB-VAIC method. Furthermore, ICG was proxied by the frequency of meetings of the Board of Commissioners and Directors. The data were analyzed using multiple linear regression and Moderated Regression Analysis (MRA). The results show that ISR and IIC had a positive and significant effect on MSI, suggesting that ethical social disclosure and effective management of intellectual capital supported the achievement of maqasid shariah objectives in Islamic banking. ICG also showed strengthening roles by enhancing the relationships between ISR, IIC, and MSI. These results reflected the importance of integrating social responsibility, intellectual capital, and shariah-compliant governance to improve maqasid-based performance. In this study, important contributions were made to the body of knowledge by providing cross-country empirical evidence and offering a comprehensive framework for understanding maqasid-oriented performance in Islamic banking.
Fiscal Decentralization and Local Financial Autonomy: A Bibliometric Review of Global Research Trends Edem Lekettey; Vanessa Gaffar; Juliana Juliana; Nugraha Nugraha
JASF: Journal of Accounting and Strategic Finance Vol. 8 No. 2 (2025): JASF (Journal of Accounting and Strategic Finance) - December 2025
Publisher : Accounting Department, Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/jasf.v8i2.598

Abstract

Purpose: This paper examines the prominent themes of research, intellectual connections, gaps in scholarship on the subject of local government financial autonomy in the world literature through bibliometric tools. Method: Bibliometric analysis of 626 publications in the Scopus index (2000-2025) with the VOSviewer software was performed to chart the occurrence of two or more keywords, thematic networks, citation network, and co-authorship network. The discussion follows the historical developments of the use of fiscal decentralization and local financial autonomy in terms of time, geography, and scientific fields. Findings: Nine thematic clusters were chosen that are reflections of intellectual organization of the subject-area, encompassing such areas as fiscal decentralization, urbanization, intergovernmental transfers, environmental regulation and digital governance. The research output has increased considerably since 2005 where the focus has shifted in terms of fiscal efficiency discussions to sustainability and technology-based governance issues. The best collaboration networks are between China and Europe and low involvement of Africa and Latin Americans. The temporal analysis shows that the financial crisis globally and the COVID-19 outbreak has fueled the study of fiscal resilience and adaptive financial management research. Implications: This study shows the need for developing countries to deploy digital tools and enhance their intergovernmental transfer design, as well as capacity-building strategies that are often used by developed nations to improve their fiscal transparency, revenue performance, and resilience. This will go a long way to strengthen local financial systems. Novelty/Value: The study's nine research clusters and gaps—including the underrepresentation of African and Latin American studies and the development of digital and environmental fiscal themes—provide a clearer intellectual framework for the field than previous reviews.
The Role of Fundamental Strategies in Overcoming the Inflation Erwin Permana; Nuruddin Subhan; Juliana Juliana; Muhammad Abduh
KEDJATI Journal of Islamic Civilization Vol. 1 No. 1 (2024): KEDJATI Journal of Islamic Civilization
Publisher : KEDJATI Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

High inflation rates are a complex economic challenge and have far-reaching impacts. To deal with these problems, an effective strategy involving a series of policy instruments and a deep understanding of the root problems that cause inflation is needed. This research aims to analyze strategies to overcome inflation and offer fundamental strategies. This research uses a qualitative with a descriptive-analytical method. The research data is obtained through a literature review: the relevant information from previous research results or official publications. The research results show that it is more supply-side based on analyzing the government's strategy for overcoming inflation. Based on examining the existing situation, this strategy must be complemented by a demand side: providing energy subsidies, increasing national production capacity, and moral education. Based on an in-depth study of inflation, this research provides recommendations for a more fundamental strategy in integrating financial technology (fintech) with precious metals (gold-fintech). This condition means gold-based fintech. It means realizing practical transactions using fintech, which is flexible, practical, and cashless, but the standard is using gold, not fiat money. Also, Islam views gold and silver as suitable for currency use. Apart from internal factors and conformity between nominal and intrinsic value, the uses of gold and silver are based on the sharia. Gold and silver are strong enough to withstand inflation, something that paper money-based currencies do not have. Hence, researchers suggest further research regarding the technical transition mechanism from fiat money-based to precious gold and metal-based fintech.
Assessment of Digital Payment Transaction Efficiency Using the PROMETHEE II Method: A Multi-Method Comparative and Sensitivity Analysis Eeng Ahman; Asep Miftahuddin; Juliana Juliana; Bayu Hari Prasojo
Daengku: Journal of Humanities and Social Sciences Innovation Vol. 6 No. 5 (2026)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.daengku5206

Abstract

The proliferation of digital payment channels confronts merchants, platform operators, and regulators with a genuinely multi-criteria efficiency question: channels that settle fastest are rarely the cheapest, and the most secure are rarely the most interoperable. This study assesses the transaction efficiency of eight digital payment channels (QRIS, e-wallet, mobile banking, internet banking, virtual account, online debit card, online credit card, and chip-based e-money) against six conflicting criteria (processing time, transaction fee, success rate, security, availability, and interoperability) using PROMETHEE II with a linear (V-shape) preference function as the featured outranking method. To satisfy robustness expectations for methodological studies, the PROMETHEE II ranking is benchmarked against four compensatory and compromise methods (TOPSIS, SAW, WASPAS, and VIKOR) using Spearman rank correlation and Borda aggregation, and stressed through 24 weight-perturbation scenarios. PROMETHEE II ranks mobile banking first (net flow ? = 0.2632) narrowly ahead of QRIS (? = 0.2490), a result reproduced exactly by VIKOR (? = 0.9762), whereas the three compensatory methods rank QRIS first (? between 0.6905 and 0.7143 with PROMETHEE II). Sensitivity analysis shows high ordinal stability (? ? 0.9762 in all scenarios) but a weight-dependent leader: QRIS overtakes mobile banking in 8 of 24 scenarios, precisely when speed or interoperability weights rise or reliability-related weights fall. The paper is presented as a methodological demonstration on an illustrative dataset and discusses the managerial meaning of the compensatory–outranking divergence for payment-channel portfolio decisions.
Simulation-Based Framework for Segmenting QRIS Consumer Payment Patterns Using Transaction Analytics and K-Means Clustering Lina Marlina; Juliana Juliana; Asep Miftahuddin; Nihlatul Qudus Sukma Nirwana
Daengku: Journal of Humanities and Social Sciences Innovation Vol. 6 No. 5 (2026)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.daengku5217

Abstract

The Quick Response Code Indonesian Standard (QRIS) has accelerated the adoption of cashless retail payments in Indonesia, yet the consumers behind these transactions exhibit heterogeneous payment patterns that remain difficult to study because individual-level transaction records are restricted by confidentiality, ownership, and privacy constraints. This study develops and evaluates a simulation-based framework for segmenting QRIS consumer payment patterns using transaction analytics and K-Means clustering. A synthetic dataset of 20,686 transaction records for 1,000 synthetic users across 50 merchants in seven merchant categories was generated over a 180-day period from four explicitly planted latent behavioral profiles, with controlled noise comprising failed transactions, duplicates, missing categories, and extreme values. After preprocessing, 20,277 valid records were aggregated into eight user-level behavioral features covering frequency, monetary value, merchant diversity, temporal concentration, and regularity. Combined evidence from the Elbow curve, silhouette coefficient, Davies–Bouldin Index, and Calinski–Harabasz Index supported K = 4. The resulting segments Frequent Low-Value, Occasional High-Value, Diverse Active, and Emerging users recovered the planted profiles with an Adjusted Rand Index of 0.947, Normalized Mutual Information of 0.920, and an overall matching proportion of 97.6%, and remained stable across 30 repeated runs (mean ARI = 1.000) and six sensitivity scenarios (ARI 0.941–0.988). The framework offers a transparent, reproducible analytical workflow that can later be applied to anonymized real transaction data. Because the data are synthetic, the segments demonstrate methodological performance under stated assumptions and must not be generalized to actual QRIS users in Indonesia.
Simulation-Based Assessment of QRIS Adoption Scenarios and Transaction Efficiency among Indonesian MSMEs Agus Rahayu; Dadang Dahlan; Juliana Juliana; Asep Miftahuddin; Alshaf Pebrianggara
Daengku: Journal of Humanities and Social Sciences Innovation Vol. 6 No. 5 (2026)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.daengku5237

Abstract

QRIS stands for Quick Response Code Indonesian Standard, which is considered to be an alternative for payment digitalization of micro-, small and medium-sized enterprises (MSMEs). The issue is that previous studies consider adoption in a dichotomous manner and focus mainly on behavioral intention rather than operations. This paper suggests a simulation-based estimation of the impact of adoption intensity defined as QRIS transactions share on transaction efficiency of MSMEs. A synthetic dataset was created by means of statistical distributions with four hundred synthetic MSMEs across five industries in Indonesia being used. In order to estimate the impact, a benchmark scenario and five adoption scenarios (from 20% up to 100%) were analyzed. In order to estimate the performance, the author used the following components: payment time, transaction cost, errors in the recording process, failures probability, reconciliation time, and processing capacity to calculate the weighted Transaction Efficiency Index (TEI). To propagate uncertainty, a Monte Carlo simulation with one thousand iterations was implemented. The results have shown that average TEI increases from 0.653 to 0.782 in case of digital dominance. Average payment time is reduced by 19.9% and the cost of monthly payments is reduced by 11.2%. It should be noted that there is a trade-off as a result of adoption – QRIS failure exposure increases from 1.8% to 6.8% of transactions. The metamodel estimated with regression shows that there is a positive influence of adoption intensity on TEI (?=0.170; p<0.001) which is significantly improved by internet reliability and digital literacy of MSMEs. The sensitivity analysis revealed that such factors as cash processing time and QRIS processing time play the key role in the model.
Co-Authors Aam Slamet Rusydiana Adirestuty, Fitranty Agus Rahayu Ahmad Ajib Ridlwan Al Adawiyah, Rumaisah Azizah Alamsyah, Indra Fajar Alshaf Pebrianggara Aneu Cakhyaneu Arciana Damayanti Ayudhia Yuliasih Azamat Abdullaev Bangkit Pratama Bayu Hari Prasojo Budhi Pamungkas Gautama, Budhi Dadan Hamdani Dadang Dahlan Dimas Alif Putra Edem Lekettey Eeng Ahman, Eeng Elfina Qorina Binti Asbaruna Erwin Permana Fahmy Lukman Firmansyah Firmansyah Firmansyah Firmansyah Firmansyah Firmansyah Fitriah Dwi Susilowati Gulnora Bekimbetova Handoko, Dodi Okri Hilda Manoarfa Hilda Monoarfa Ibadurrohman Siddiq Inomjon Qudratov Irma Kurniasih Iskandar Iskandar Janah Sojanah, Janah Kurjono - Lazuardi Imani Hakam Lina Marlina M. Nuruddin Subhan Miftahuddin, S.Si.,MAB., asep Mugni Fadil Romdhoni Muhamad Afif Sholahudin Muhamad Nafik Hadi Ryandono Muhamad Wafa Rizaldi Muhammad Abduh Muhammad Apriandito Arya Saputra Muhammad Faiz Andeaz Fawwaz Muhammad Ilyas Candra Herawan Muhammad Jihan Muhammad R. L. Putra Mumuh Muhammad Nasim, Arim Nasr, Faidh Rahmani Nihlatul Qudus Sukma Nirwana Nugraha Nugraha Nurya Ayu Destiani Nuryanti, B Lena Perdana, Yoga Pupu Saeful Rahmat, Pupu Saeful Purnomo, Budi Supriatono Ramdhani Saadillah Rida Rosida Rika Jarianti Risna Febriyanti Rizqiana Arifatul Husna Rofi Rofaida Ropi Marlina Shafinar Ismail Shafinar Ismail Siti Mariam Sri Mulyati Sumirat, Uum Tatang Hidayat Tony Seno Aji Usep Suhud Vanessa Gaffar Yan Putra Timur Yuranita Pramudya Wardhani