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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 investigates how Sharia compliance and trust shape SMEs' adoption behavior using an extended Unified Theory of Acceptance and Use of Technology (UTAUT 3) framework. The rapid digital transformation of the banking sector necessitates deeper insights into the factors driving the adoption of Islamic digital banking, particularly among Small and Medium Enterprises (SMEs) in Indonesia. Through a quantitative approach employing an online survey of 129 SME respondents, data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Findings reveal that Sharia compliance significantly influences actual usage but does not moderate the relationship between behavioral intention and adoption. Trust and personal innovation emerge as key determinants of SMEs' adoption, while facilitating conditions, hedonic motivation, and price value demonstrate negligible effects. These insights underscore the necessity for Islamic banks to effectively integrate Sharia principles into their digital banking services to foster greater trust and engagement among SMEs. This study contributes to the literature by expanding the UTAUT 3 framework within Islamic finance and digital banking contexts, offering practical recommendations for Islamic financial institutions to enhance service accessibility and customer trust. Future research should examine longitudinal trends and explore a broader demographic and institutional spectrum to validate these findings and assess the evolving landscape of Islamic digital banking.
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.
Pengaruh Lokasi, Bagi Hasil dan Promosi terhadap Proses Keputusan Nasabah Menabung di PT Panin Dubai Syariah Bank Putra, Erik Rif’ad Hendra; Mulazid, Ade Sofyan
Li Falah: Journal of Islamic Economics and Business Vol. 3 No. 1 (2018): June 2018
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v3i1.1184

Abstract

The purpose of this resesarch was to analyze the effect of location, reveneu sharing and promotion simultaneously and partially to decision process to save in product tabungan Flexible in PT Panin Dubai Syariah Bank Jakarta. The sample used in this study were 74 respondents from the customers of PT Panin Dubai Syariah Bank. The analytical method used is multiple linear regression analysis. The data obtained is the primary data that is the result of the respondents' answers to the questionnaire were distributed. These results of this study indicate that there is influence imultaneously on location variable, revenue sharing and promotion towards decision process to save. In the test of determination, there is the influence of a variable 51,9% location, revenue sharing and promotion to the decision to save. Meanwhile 48,1 %% (100% - 51,9%) were influenced by other variables that not included in this study. The result of this research showed that the location effect partially to the decision process to save, with significant value that is 0,021 < 0,05 and t count <t table (2,364 >1,993). Revenue sharing do not effect partially to the decision process to save, with a significant value of 0,503 > 0,05 and t count < t table (0,674 < 1,993). Promotion effect partially to the decision process save, with significant value that is 0,000 <0,05 and t count > t table (4,193 > 1,993)
Organizational Support as a Catalyst for Professionalism and Stress Management in Complex Religious Service Systems: A Systematic Literature Review of the Hajj Context Fauzan, Hemmy; Mulazid, Ade Sofyan; Suhendra, Suhendra; Saharuddin, Desmadi; Yaman, Bahrul; Abouagila, Alaa Mustafa Abdelmaksud
Jurnal Pemberdayaan Masyarakat Vol 5, No 1 (2026)
Publisher : Yayasan Keluarga Guru Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46843/jpm.v5i1.653

Abstract

In an era characterized by digital transformation and heightened expectations for service excellence, understanding how organizational support, professionalism, and stress management interact has become increasingly vital. This study aims to synthesize and contextualize existing evidence on these relationships within large-scale, culturally embedded service environments—particularly the Hajj system—through a Systematic Literature Review (SLR). Using the PRISMA 2020 protocol and the TCCM framework, 41 peer-reviewed articles published between 2015 and 2025 were systematically analyzed. The review employed the Job Demands–Resources (JD-R) and Conservation of Resources (COR) models as theoretical anchors while incorporating cross-sectoral and cross-cultural perspectives. Findings reveal that organizational support functions not merely as a buffer against stress but as a transformative mechanism that fosters ethical commitment, mindfulness, and adaptive professionalism. Interestingly, ethical leadership and spirituality emerged as critical mediators linking support mechanisms to service performance—an aspect often overlooked in Western-centric frameworks. Moreover, digital transformation was found to operate as a paradoxical driver, enhancing efficiency yet potentially triggering technostress unless balanced with empathy and inclusive leadership. The review extends the JD-R model by integrating cultural and spiritual dimensions, reframing professionalism as a moral and relational construct. The study contributes a novel conceptual synthesis that bridges ethical, technological, and psychological dimensions of organizational behavior. Practically, it urges institutions—especially in religious or collectivist service systems—to design integrative strategies that harmonize operational performance with human well-being. Future research should adopt longitudinal and mixed-method approaches, exploring AI-enabled mindfulness interventions and cross-cultural comparisons to refine context-sensitive models of organizational resilience. This study contributes by extending the Job Demands–Resources model through the integration of cultural and spiritual dimensions, offering a novel conceptual synthesis that bridges ethical, technological, and psychological aspects of organizational behavior. It also provides practical insights for designing integrative strategies that align digital efficiency with human well-being, particularly in culturally embedded service systems.
The Role of the Constitutional Court in Addressing Centralization Allegations: A Syariah Economic Perspective on Baznas' Contribution to Indonesia's Unified Economic System Permana, Yudi; Mulazid, Ade Sofyan; Kamilah, Athia Nur; Pratama, Yoghi Citra; Kurniawan, Muhammad Iman; Zh, Miftah Hur Rahman; Supriyono, Supriyono
Jurnal Pemberdayaan Masyarakat Vol 4, No 4 (2025)
Publisher : Yayasan Keluarga Guru Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46843/jpm.v4i4.639

Abstract

This study provides a comprehensive analysis of the Constitutional Court's role in institutionalizing a centralized governance model for the National Board of Zakat (BAZNAS) and its systemic implications for Indonesia's economic framework from a Shariah economics perspective. By synthesizing extant literature, it elucidates the legal, operational, and philosophical dynamics underpinning BAZNAS’s evolving mandate. Conducted as a Systematic Literature Review (SLR) in accordance with the PRISMA protocol, systematic searches across Scopus and the Watase Uake System identified 95 articles for in-depth thematic analysis. The findings reveal that the centralization of BAZNAS, legitimized by the Constitutional Court’s ruling, establishes a fundamental tension between national administrative efficiency and local philanthropic autonomy. The analysis confirms BAZNAS’s strategic role not only in zakat distribution but also in advancing national objectives of sustainable development and financial inclusion. However, significant governance challenges, particularly regarding transparency and accountability, persistently surface. The research makes a threefold contribution: First, it identifies a critical methodological gap, demonstrating that dominant quantitative approaches have insufficiently captured the qualitative and contextual dynamics behind operational shortcomings. Second, it surfaces underexplored thematic frontiers, notably those of digitalization, technological integration, and BAZNAS’s potential role in global challenges such as climate change. Third, it proposes a structured agenda for future inquiry and practice. The conclusions emphasize the necessity for methodological diversification, comparative international analysis, and deeper investigation into the distributive impacts of centralization and the transformative potential of technology. Practical implications focus on strengthening governance through mechanisms such as blockchain, fostering inter-institutional collaboration, and advocating for more integrative zakat-sector policies. Future research should prioritize rigorous qualitative studies, comparative models, and examinations of BAZNAS’s role in emerging areas such as green finance and the digitalization of Islamic social finance.
Shariah Audit, Transparency, and the Constitutional Court: Protecting Public Funds from an Islamic Economics Perspective Terminanto, Ade Ananto; Mulazid, Ade Sofyan; Almi, Ridho Fikri; Kurniawan, Muhammad Iman; Zh, Miftah Hur Rahman
Madania: Jurnal Kajian Keislaman Vol 29, No 2 (2025): DECEMBER
Publisher : Universitas Islam Negeri (UIN) Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v29i2.9096

Abstract

This study examines the role of Shariah audit and transparency in protecting public funds from an Islamic economics perspective, with a specific focus on the Constitutional Court's role as the ultimate guardian of financial integrity. The research aims to synthesize recent literature to identify prevailing trends, analytical frameworks, and existing gaps in the field. The methodology employed is a Systematic Literature Review (SLR) following the PRISMA protocol, with a search conducted in the Scopus database yielding 50 selected articles for thematic analysis. Key results reveal that Shariah audit serves as a dual governance mechanism ensuring both financial accuracy and Shariah compliance. The Constitutional Court is conceptualized as a pivotal institution executing a modern hisbah function, wielding the authority to annul policies that enable misuse. Findings also indicate significant geographical disparities, a dominance of qualitative approaches, and the disruptive potential of technologies like blockchain and AI in enhancing transparency. However, technological implementation still faces regulatory and capacity-building challenges. The conclusion affirms the necessity of integrating ethical principles (Maqasid al Shariah), audit mechanisms, and judicial oversight. This study contributes to the literature by introducing an integrative analytical framework that links Shariah audit, technological transparency, and constitutional judicial oversight, offering a novel perspective on how modern Islamic governance can institutionalize accountability and safeguard public wealth. Penelitian ini mengkaji peran audit Syariah dan transparansi dalam melindungi dana publik dari perspektif ekonomi Islam, dengan fokus khusus pada peran Mahkamah Konstitusi sebagai penjaga utama integritas keuangan. Penelitian ini bertujuan untuk mensintesis literatur terkini guna mengidentifikasi tren yang berlaku, kerangka kerja analitis, dan kesenjangan yang ada di bidang ini. Metodologi yang digunakan adalah Systematic Literature Review (SLR) dengan mengikuti protokol PRISMA, dengan pencarian yang dilakukan dalam basis data Scopus yang menghasilkan 50 artikel terpilih untuk dianalisis secara tematik. Hasil utama mengungkapkan bahwa audit Syariah berfungsi sebagai mekanisme tata kelola ganda yang memastikan akurasi keuangan dan kepatuhan Syariah. Mahkamah Konstitusi dikonseptualisasikan sebagai institusi pivotal yang menjalankan fungsi hisbah modern, dengan kewenangan untuk membatalkan kebijakan yang memungkinkan penyalahgunaan dana. Temuan juga menunjukkan adanya disparitas geografis yang signifikan, dominan pendekatan kualitatif, dan potensi disruptif teknologi seperti blockchain dan AI dalam meningkatkan transparansi. Namun, implementasi teknologi masih menghadapi tantangan regulasi dan pengembangan kapasitas. Kesimpulan penelitian menegaskan perlunya integrasi prinsip-prinsip etika (Maqasid al-Shariah), mekanisme audit, dan pengawasan yudisial. Studi ini berkontribusi pada literatur dengan memperkenalkan kerangka analitis integratif yang menghubungkan audit Syariah, transparansi teknologi, dan pengawasan yudisial konstitusional, menawarkan perspektif baru tentang bagaimana tata kelola Islam modern dapat melembagakan akuntabilitas dan melindungi kekayaan publik.
ANALYSIS OF ALTERNATIVE SOCIAL PROTECTION POLICIES IN INDONESIA: A SYSTEMATIC REVIEW OF RESILIENCE, DIGITALIZATION, AND GOVERNANCE (2020-2025) Hasan Syadzily, Tb. Ace; Mulazid, Ade Sofyan
EMPATI: Jurnal Ilmu Kesejahteraan Sosial Vol. 14 No. 2 (2025): Empati Edisi Juni 2025
Publisher : Social Welfare Study Program

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/empati.v14i2.46836

Abstract

Abstract. This study conducts a systematic review to map the research landscape on alternative social protection policies in Indonesia from 2020 to 2025. It aims to identify thematic trends, methodological biases, and critical gaps in the literature, with a specific focus on resilience, digitalization, and governance. Adhering to the PRISMA protocol, we selected and rigorously analyzed 33 articles from Q1-Q4 indexed journals in the Scopus database, employing structured analytical frameworks for thematic synthesis and classification. Our findings reveal a significant paradigm shift towards Adaptive Social Protection (ASP) for responding to climate and economic shocks, alongside a dual narrative of optimism and risk concerning digital transformation. The analysis further uncovers a strong dominance of quantitative approaches, which we argue often obscures the nuanced realities of vulnerable groups, particularly regarding gendered impacts and digital inclusion. The discussion critically highlights a troubling disconnect between macro-level, technocratic evaluations and local-level dynamics, coupled with a general paucity of robust theoretical foundations in existing studies. We conclude that the field requires a reoriented future research agenda to critically interrogate the digital governance of social protection, systematically integrate intersectional perspectives, operationalize adaptive financing mechanisms, and unpack the societal 'black box' of policy implementation. The central implication is that building a resilient social protection system in Indonesia necessitates an interdisciplinary approach that deliberately bridges quantitative metrics with the qualitative lived experiences of marginalized populations. Keyword: Adaptive Social Protection, Digitalization, Governance, Intersectionality, Resilience. Abstrak. Studi ini menyusun tinjauan sistematis untuk memetakan lanskap penelitian kebijakan perlindungan sosial alternatif di Indonesia periode 2020-2025. Ini bertujuan mengidentifikasi tren tematik, bias metodologis, dan celah kritis dalam literatur, dengan fokus pada resiliensi, digitalisasi, dan tata kelola. Penelitian ini mengadopsi protokol PRISMA untuk menyeleksi 33 artikel terindeks Q1-Q4 dari database Scopus, yang kemudian dianalisis secara tematik dan diklasifikasikan menggunakan kerangka analitik terstruktur. Temuan utama mengungkap pergeseran paradigma menuju Perlindungan Sosial Adaptif (PSA) yang merespons guncangan iklim dan ekonomi, serta optimisme dan risiko dalam transformasi digital. Analisis kami menunjukkan dominasi pendekatan kuantitatif yang kuat, namun justru mengaburkan realitas lapangan kelompok rentan, seperti dampak kebijakan terhadap gender dan inklusi digital. Diskusi kami menekankan disonnect antara evaluasi makro-teknokratis dengan dinamika lokal, serta minimnya fondasi teoretis dalam studi-studi yang ada. Kesimpulannya, bidang ini memerlukan reorientasi agenda penelitian ke depan untuk mengkritisi aspek tata kelola digital, mengintegrasikan perspektif interseksional, mengeksplorasi pembiayaan adaptif, dan membuka 'kotak hitam' mekanisme sosial dalam implementasi kebijakan. Implikasinya, membangun sistem perlindungan sosial yang tangguh di Indonesia memerlukan pendekatan interdisipliner yang menjembatani metrik kuantitatif dengan pengalaman kualitatif masyarakat rentan. Keyword: Perlindungan Sosial Adaptif, Digitalisasi, Tata Kelola, Interseksionalitas, Resiliensi.