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All Journal MUQTASID EQUILIBRIUM QIJIS (Qudus International Journal Of Islamic Studies) I-ECONOMICS: A Research Journal on Islamic Economics KARSA: Jurnal Sosial dan Budaya Keislaman (Journal of Social and Islamic Culture) EMPATI : JURNAL ILMU KESEJAHTERAAN SOSIAL Economica: Jurnal Ekonomi Islam JURNAL SYARIKAH : JURNAL EKONOMI ISLAM International Journal of Islamic Business and Economics (IJIBEC) Maliki Islamic Economics Journal IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita International Journal of Islamic Business and Economics (IJIBEC) Madania: Jurnal Kajian Keislaman
Ade Sofyan Mulazid
Fakultas Ekonomi dan Bisnis UIN Syarif Hidayatullah Jakarta
Religion Arts Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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Finding Customer Satisfaction and Loyalty Factors in Islamic Bank Digital Users Mulazid, Ade Sofyan; Fatmawati, Fatmawati
Maliki Islamic Economics Journal Vol 3, No 1 (2023): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v3i1.21240

Abstract

The study aims to investigate the influence of brand image, service quality, and trust on customer satisfaction and loyalty of Islamic bank digital users. This study uses primary data by distributing questionnaires to customers who have used Islamic bank digital applications. The research sample amounted to 100 respondents and used the purposive sample method. The method used in this study is Partial Least Square (PLS) using SmartPLS 3.0 data analysis tool. The results showed that brand image, service quality, and trust affect satisfaction. Brand image and service quality do not affect loyalty. Satisfaction affects loyalty. Brand image, service quality, and trust affect loyalty through customer satisfaction. This research provides a theoretical contribution to literature development as a pioneering effort to investigate the influence of brand image, service quality, and trust on customer satisfaction and loyalty of Islamic bank digital users. Managerial implications, Islamic banking seeks to develop facilities to improve customer service efficiency by implementing brand image, service quality and trust, thereby increasing customer satisfaction and loyalty.
Gili Trawangan's Tourism Landscape: Understanding The Contestation between MSMEs, Government, and Visitors Wathoni, Abdul Wahid; Mulazid, Ade Sofyan; Suhaimi, Ahmad
KARSA Journal of Social and Islamic Culture Vol. 33 No. 1 (2025)
Publisher : Universitas Islam Negeri Madura

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

Abstract

This study investigates the dynamics of interactions among stakeholders in shaping MSME actors' business orientation in Gili Trawangan regarding acceptance and rejection of halal certification on food and beverage products. Using a qualitative approach and case study method, data were collected through participant observation over two months and in-depth interviews with 18 key informants, including MSME actors, government representatives, and tourists. The study explores how MSME actors' attitudes amid contestation between the government as an institutional stakeholder and tourists as primary stakeholders influence decisions to accept or reject halal certification. Findings show that the dominance of primary stakeholders, namely tourists, is the main factor shaping MSME business orientation, which tends to follow tourists' preferences in offering food and beverage products. Conversely, the government's function as an institutional stakeholder in promoting halal certification is less effective, leading MSMEs to resist certification and rely on traditional halal-based offerings and product diversification into non-halal items to attract various tourist segments. This research contributes significantly to understanding power relations and interests among stakeholders in MSME management within tourism and policy implications related to halal certification. Limitations include geographic scope, focus on certain MSME groups in Gili Trawangan, and reliance on data subjectively reported by informants. Future research should broaden the context and include diverse MSME groups in different regions to obtain a more comprehensive picture of stakeholder influence on business orientation.
Sociopolitical identity, religiosity, and motivation toward intention in Islamic banking: a behavioral reasoning theory extension Fathoni, Muhammad Anwar; Rodoni, Ahmad; Al-Arif, Mohammad Nur Rianto; Hidayah, Nur; Mulazid, Ade Sofyan
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 14 No 1 (2025): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v14i1.2438

Abstract

Purpose – This research analyses the factors influencing Indonesia's largest Muslim communities' intention to utilize Islamic banking services. Method – Employing a quantitative methodology, this study targeted members of Nahdlatul Ulama (NU) and Muhammadiyah as the population. The sample consisted of 343 respondents, determined using Hair theory and selected through purposive sampling. Data was collected through a structured questionnaire and analyzed using structural equation modeling (SEM) to evaluate measurement and structural models. Findings – The findings reveal that normative beliefs significantly shape subjective norms and influence individuals' intentions to engage with Islamic banking services. Additionally, religiosity positively affects attitudes toward these services, reinforcing existing literature linking religious values to financial decision-making. Implications – Theoretically, this study implies the development of behavioral reasoning theory in Islamic finance. Practically, this study provides valuable insights into marketing strategies promoting financial inclusion among diverse religious communities.
Sharia Compliance and Islamic Digital Banking: Empowering SMEs in Indonesia Supriyono, Supriyono; Terminanto, Ade Ananto; Mulazid, Ade Sofyan; Suherlan, Ade
International Journal of Islamic Business and Economics (IJIBEC) Vol 8 No 2 (2024): Volume 8 Nomor 2 Tahun 2024
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v8i2.8724

Abstract

This study explores the role of Sharia compliance in enhancing the adoption and use of Islamic digital banking services in Indonesia, with particular attention to its implications for Small and Medium Enterprises (SMEs). Using a modified UTAUT 3 model, this research incorporates Sharia compliance and trust as critical variables influencing user behavior. A quantitative approach, including an online survey with 129 respondents, was used, and data were analyzed with PLS-SEM. The findings demonstrate that Sharia compliance significantly impacts actual usage but does not moderate the relationship between intention and behavior. Trust and personal innovation also play pivotal roles in driving adoption, while factors such as facilitating conditions, hedonic motivation, and price value were found to have minimal influence. These insights underscore the importance of aligning Islamic digital banking services with Sharia principles to meet the needs of SMEs, ultimately fostering greater trust, efficiency, and technological innovation. The study offers practical recommendations for Islamic banks to better engage SMEs by focusing on Sharia compliance and user trust in their digital services.
PERAN STRATEGIS KEMENTERIAN SOSIAL BAGI PENGUATAN PROGRAM BANTUAN PANGAN NON-TUNAI PASCA COVID-19 Fatmawati, Fatmawati; Mulazid, Ade Sofyan
EMPATI: Jurnal Ilmu Kesejahteraan Sosial Vol. 13 No. 1 (2024): Empati Edisi Juni 2024
Publisher : Social Welfare Study Program

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/empati.v13i1.38166

Abstract

Abstract. This research aims to evaluate the implementation of the post-COVID-19 non-cash food assistance (BPNT) policy and analyze whether the distribution process carried out by the Ministry of Social Affairs is running according to procedures. Apart from that, the inhibiting and supporting factors for the BPNT distribution process were also analyzed. This research uses qualitative descriptive. Research informants consisted of bureaucrats, policy makers and beneficiary communities. The research results show that the government through the Ministry of Social Affairs has a strategic role in dealing with social problems, including the family hope program, financial support, direct financial support to village treasuries, social support to fulfil basic needs in the Jabodetabek area, pre-employment cards, basic food cards, and electricity subsidies. Policy implementers fail to comply with policy standards and objectives by intentionally violating procedures that benefit certain individuals for personal gain. The obstacles to this program are that policy implementation does not run smoothly, because several names of beneficiaries are not included in the Integrated Social Welfare Data (DTKS), incorrect redistribution of benefits, and inappropriate benefits and use of aid. funds are inaccurate. not used to buy necessities. This program is supported by strict monitoring and evaluation by the government so that it can minimize problems in the beneficiary communities. The theoretical implications of this research will contribute to the development of literature to examine the strategic role of the Ministry of Social Affairs and the implementation of the BPNT program to explain preventive and supportive factors after COVID-19. In practice, it can also provide consideration to the Ministry of Social Affairs, especially the Director General of Social Protection and Security when preparing a strategy for implementing the BPNT program.Keywords: Strategic Role, Food Assistance, Economic Recovery, COVID-19 Pandemic. Abstrak. Penelitian ini bertujuan untuk mengevaluasi implementasi kebijakan bantuan pangan non-tunai (BPNT) pasca COVID-19 dan menganalisis proses penyaluran yang dilakukan Kementerian Sosial apakah berjalan sesuai prosedur. Selain itu juga dianalisis faktor penghambat dan pendukung proses penyaluran BPNT. Penelitian ini, menggunakan deskriptif kualitatif. Informan penelitian ini terdiri dari birokrat, pengambil kebijakan, dan masyarakat penerima manfaat. Hasil penelitian menunjukkan bahwa pemerintah melalui Kementerian Sosial mempunyai peran strategis dalam menangani permasalahan sosial antara lain program keluarga harapan, dukungan dana, dukungan keuangan langsung ke kas desa, dukungan sosial pemenuhan kebutuhan dasar di wilayah Jabodetabek, kartu prakerja, kartu sembako, dan subsidi listrik. Pelaksana kebijakan gagal mematuhi standar dan tujuan kebijakan dengan sengaja melanggar prosedur yang menguntungkan individu tertentu demi keuntungan pribadi. Hambatan program ini adalah implementasi kebijakan tidak berjalan lancar, karena beberapa nama penerima manfaat tidak terdapat dalam Data Terpadu Kesejahteraan Sosial (DTKS), redistribusi manfaat yang tidak tepat, dan manfaat serta penggunaan bantuan yang tidak tepat. dana tidak akurat. tidak digunakan membeli kebutuhan pokok. Program tersebut didukung dengan monitoring dan evaluasi yang ketat oleh pemerintah sehingga dapat meminimalisir permasalahan masyarakat penerima manfaat. Implikasi penelitian ini secara teoritis akan memberikan kontribusi terhadap pengembangan literatur untuk mengkaji peran strategis Kementerian Sosial dan pelaksanaan program BPNT untuk menjelaskan faktor preventif dan supportif pasca COVID-19. Dalam praktiknya juga bisa memberikan pertimbangan kepada Kementerian Sosial, khususnya Dirjen Perlindungan dan Jaminan Sosial ketika menyiapkan strategi implementasi program BPNT.Kata Kunci: Peran Strategis, Bantuan Pangan, Pemulihan Ekonomi, Pandemi COVID-19.
Spatial Finance Exploration on Hajj Funds Sustainability Growth: Evidence from Indonesian Archipelagic Syadzily, Tb. Ace Hasan; Mufraini, M. Arief; Mulazid, Ade Sofyan; Murodi, Murodi; Wicaksono, Ahmad Tibrizi Soni
Madania: Jurnal Kajian Keislaman Vol 27, No 2 (2023): DECEMBER
Publisher : Universitas Islam Negeri (UIN) Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v27i2.2869

Abstract

This research aims to adopt a spatial finance approach to hajj fund sustainability by finding the factors that influenced it during the COVID-19 pandemic. This research involved GRDP, Household Consumption, COVID-19 Cases, Islamic Banking Office Network, and Religiosity Index as exogenous variables with secondary data in 2020. This research uses Spatial Autoregressive Model analysis and Local Indicators of Spatial Autocorrelation through Spatial Rate Analysis to predict spillover effects. Research findings show that the Religiosity Index and Office Network have a spatial effect on Hajj funds. In addition, the provinces of East Java and Central Java are predicted to have a strong potential to have a spillover effect and affect the surrounding areas to increase the sustainable growth of the Hajj fund. Penelitian ini bertujuan untuk mengadopsi pendekatan keuangan spasial terhadap keberlanjutan dana haji dengan menemukan faktor-faktor yang mempengaruhinya selama pandemi COVID-19. Penelitian ini melibatkan PDRB, Konsumsi Rumah Tangga, Kasus COVID-19, Jaringan Kantor Perbankan Syariah, dan Indeks Religiusitas sebagai variabel eksogen dengan data sekunder pada tahun 2020. Penelitian ini menggunakan analisis Spatial Autoregressive Model dan Indikator Lokal Autokorelasi Spasial melalui Analisis Spatial Rate untuk memprediksi spillover efek. Temuan penelitian menunjukkan bahwa Indeks Religiusitas dan Jaringan Kantor mempunyai pengaruh spasial terhadap dana haji. Selain itu, Provinsi Jawa Timur dan Jawa Tengah diperkirakan memiliki potensi yang kuat untuk memberikan efek limpahan dan berdampak pada wilayah sekitarnya untuk meningkatkan pertumbuhan dana haji yang berkelanjutan.
Co-Authors Ade Suherlan, Ade AFRIANDI, REDHO Ahmad Rodoni Al-Arif, Mohammad Nur Rianto Astriana, Nina Basse, IIntannes Putri Desmadi Saharuddin, Desmadi Fadilah, Ligar Fathoni, Muhammad Anwar Fatmawati, Fatmawati Fikri, Muhammad Zainul Fikri, Muhammad Zainul HASNADINA, PUTRI SAULA HT, HERNI ALI Inayatul Chusna Meirison Meirison, Meirison Meyliana, Dita Mufliha, Nurul Mudhiatil Mufraini, M. Arief Murodi Murodi Nur Hidayah Nurjanah, Risna RATU VIEN SYLVIA AZIZA, RATU VIEN SYLVIA Sesunan, Yunia Silvia Suhaimi, Ahmad Supriyono Supriyono Syadzily, Tb. Ace Hasan Terminanto, Ade Ananto Wathoni, Abdul Wahid Wicaksono, Ahmad Tibrizi Soni