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Pengaruh Efisiensi Kinerja Perbankan Syariah di Indonesia dan Malaysia Menggunakan Metode DEA Asyaffa Aulia, Prambawati; Sholahuddin, Muhammad; Imronudin
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 4 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i4.18353

Abstract

This research aims to analyze and compare the operational efficiency of sharia banking in Indonesia and Malaysia using the Data Envelopment Analysis (DEA) method, a non-parametric approach that is able to measure relative efficiency based on input and output. The research gap lies in the lack of comparative analysis of Islamic banking efficiency in the two countries, especially using the DEA method. The research sample consists of sharia banking financial reports in Indonesia and Malaysia during the 2019–2023 period. The research results show that both countries have a high level of technical efficiency, with an average efficiency close to 1. Bank B in Indonesia and Bank F in Malaysia show stable efficiency performance, while Bank D shows significant fluctuations. Further analysis reveals that there is no significant difference in operational efficiency between the two countries. This research contributes by providing in-depth insight into the efficiency of sharia banking and becomes a reference for regulators and banking managers in improving operational strategies. Research limitations include limited data coverage on financial variables and certain periods. For future research, it is recommended to include non-financial variables and expand the analysis period.
Pengaruh Kepuasan Kerja dan Burnout terhadap Retensi Karyawan dengan Komitmen Organisasi sebagai Mediator pada Biro Pariwisata Religi di Bali M. Faiz Ali Hidayat; Sholahuddin, Muhammad; Edy Purwo Saputro
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 4 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i4.18354

Abstract

This study aims to understand the effect of job satisfaction, burnout, and organizational commitment on employee retention at Hajj and Umrah travel agencies in Bali. The industry faces challenges in retaining employees due to the seasonal and intensive nature of the work. Using quantitative methods and SEM-PLS analysis, data from 150 respondents were analyzed to explore the relationships between variables. The results showed that job satisfaction has a significant influence on employee retention and organizational commitment, where satisfied employees tend to be more emotionally attached to the company and stay longer. On the other hand, burnout has a negative impact on affective commitment, but normative commitment still makes employees stay. Organizational commitment also acts as a mediator between job satisfaction and burnout on retention, strengthening employees' intention to remain in the company. Overall, this study provides important insights for the management of Hajj and Umrah travel agencies in designing strategies to increase job satisfaction, manage burnout, and strengthen employee commitment in order to retain a competent workforce.
Tinjauan Sistematis Literatur Produk Ekonomi Syariah: Kepatuhan Halal dan Kelayakan Fiqih Harits, Muhammad; Ibrohim, Muhammad; Sholahuddin, Muhammad
Jurnal Riset Ekonomi Syariah Volume 5, No. 2, Desember 2025 Jurnal Riset Ekonomi Syariah (JRES)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jres.v5i2.7719

Abstract

Abstract. The projected growth of the halal industry to reach USD 3.6 trillion by 2026 emphasises the importance of strengthening halal compliance and fiqh legitimacy amid technological advances. This study aims to synthesise the relationship between fiqh, halal compliance, and the suitability of cross-sector sharia economic products using a PRISMA-based Systematic Literature Review (SLR) approach. From 810 documents in Scopus, 20 articles were selected for analysis using thematic techniques, identifying patterns, gaps, and relationships between fiqh, sharia governance, fintech, and market response. The SLR results revealed four main clusters: (1) fiqh framework and financial product contract evaluation; (2) the role of DPS in sharia governance; (3) fintech innovations such as AI–NLP and crowdfunding; (4) consumer perceptions of halal product halalness. This study developed a three-dimensional conceptual model that integrates fiqh, sharia governance, and market feasibility. The contributions of this research include: (1) consolidation of fiqh with product feasibility analysis; (2) understanding of digital sharia compliance mechanisms; (3) a conceptual basis for regulators and industry in designing halal and competitive sharia products. Abstrak. Pertumbuhan industri halal yang diproyeksikan mencapai USD 3,6 triliun pada 2026 menekankan pentingnya penguatan kepatuhan halal dan legitimasi fiqih di tengah kemajuan teknologi. Penelitian ini bertujuan untuk mensintesis hubungan antara fiqh, kepatuhan halal, dan kelayakan produk ekonomi syariah lintas sektor dengan pendekatan Systematic Literature Review (SLR) berbasis PRISMA. Dari 810 dokumen di Scopus, 20 artikel dipilih untuk dianalisis dengan teknik tematik, mengidentifikasi pola, gap, dan hubungan antara fiqh, tata kelola syariah, fintech, dan respons pasar. Hasil SLR mengungkap empat klaster utama: (1) kerangka fiqh dan evaluasi akad produk keuangan; (2) peran DPS dalam tata kelola syariah; (3) inovasi fintech seperti AI–NLP dan crowdfunding; (4) persepsi konsumen terhadap kehalalan produk halal. Studi ini mengembangkan model konseptual tiga dimensi yang mengintegrasikan fiqh, tata kelola syariah, dan kelayakan pasar. Kontribusi penelitian ini mencakup: (1) konsolidasi fiqh dengan analisis kelayakan produk; (2) pemahaman mekanisme kepatuhan syariah digital; (3) dasar konseptual bagi regulator dan industri dalam merancang produk syariah yang halal dan kompetitif.
The Role of Internship Program and Entrepreneurship Training to Hole Entrepreneur Capability and Startup Performance Febrianti, Bella; Kussudyarsana, Kussudyarsana; Setyawan, Anton Agus; Sholahuddin, Muhammad; Maimun, Muhammad Halim
Jurnal Manajemen Bisnis Vol. 14 No. 2: September 2023
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v14i2.19251

Abstract

Research aims: This study aims to determine whether entrepreneurial capability mediates the association between an internship, entrepreneurship training, networking learning, and startup performance.Design/Methodology/Approach: This research design is quantitative. The population in this exploration totaled 869 UMS Independent Entrepreneurial Students. Purposive sampling was the sampling method used. The sample size of this study was 250 respondents. Utilizing SMARTPLS software, the Partial Least Square (PLS) was employed to analyze the data in this study.Research findings: Internships, entrepreneurship training, and networking learning had a significant positive effect on startup performance by fostering a portion of their entrepreneurial capabilities.Theoretical contribution/Originality: This research contributes to the field of entrepreneurship in startup companies. In addition, it provides insight into the millennial generation's entrepreneurship to motivate them to become young entrepreneurs. This research also discusses corporate entrepreneurship.Practitioners/Policy implications: Companies need to know what factors affect startup performance so that they can make policies based on the existing conditions for the creation of quality startup companies.Research limitations/Implications: Based on the research done and the research results obtained, several limitations to the research exist. The questionnaire in this study was closed so that each respondent only answered the answer criteria provided. It could allow each respondent to answer the questionnaire, not by the actual situation. Also, the respondents in this study were only limited according to the level of respondents who were within the sample criteria. In this study, it was only limited to the independent and mediating variables. As for other factors that might affect startup performance, they were not examined.
Research Trends on Online Learning Toward Changes in Millennial Consumer Behavior in the Digital Era: A Bibliometric Analysis Purbokusumo, Andreas Sang Aji; Wajdi, M. Farid; Sholahuddin, Muhammad; Fadloli, F
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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

Abstract

The rapid development of digital technology, which affects almost every aspect of life, has also transformed the consumption behavior of the millennial generation toward digital domains. This study aims to analyze trends and changes in millennial consumer behavior in the digital era as an impact of online learning. Using bibliometric methods and VOSviewer visualization, data were collected from international publications (Scopus, Web of Science, Google Scholar) during the 2020-2025 period. The findings show that online learning has accelerated the adoption of digital consumption behaviors among millennials, with key terms such as consumer behavior, machine learning, e-commerce, and millennial forming interconnected clusters. The study also identifies a research gap related to loyalty and postpurchase behavior among millennials in the digital ecosystem. The results of this research are expected to serve as a reference for strengthening educational policy, digital economy development, and digital literacy to support the national agenda for superior human resource development and digital transformation in Indonesia.
Does the effectiveness of the Fintech platform affect interest in paying infaq and sadaqah? Arelsa, Kamila Dhiyanahda; Sholahuddin, Muhammad
Sebelas Maret Business Review Vol 8, No 1 (2023): June 2023
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/smbr.v8i1.75080

Abstract

The rapid adoption of digital technology has revolutionized various industries, including the financial services sector, through the emergence of financial technology (Fintech). In Indonesia, Fintech regulations, such as Indonesian bank (Bank Indonesia-BI) regulations no. 18/40/PBI/2016 has played a crucial role in governing payment systems. This research examines the impact of the Fintech platform's effectiveness on individuals' interest in making infaq and sadaqah payments. A survey method was employed, utilizing a sample size of 128 individuals residing in the Solo Raya area, and conducted via Google form. The study results indicate that the Fintech platform's effectiveness significantly influences individuals' interest in making infaq or sadaqah payments. This can be attributed to the trust people place in Fintech platforms, which ensures data confidentiality and minimizes the risk of fraud. Consequently, individuals are more inclined to engage in infaq and sadaqah payments, recognizing Fintech platforms' secure and reliable nature. This research highlights the positive relationship between Fintech platform effectiveness and individuals' interest in infaq and sadaqah payments, shedding light on the potential for Fintech to drive the development of the Islamic economy further.
Green Property Research Trends: A Bibliometric Analysis Kusuma, Melia; Isa, Muzakar; Sholahuddin, Muhammad
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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

Abstract

Purpose: This study aims to map global research trends related to green property using a bibliometric approach.Methodology: Publication data were collected from scholarly databases and filtered by publication year, field of study, document type, publication stage, language, accessibility, and full access availability. The selected articles were analyzed using bibliometric tools, including VOSviewer and Bibliometrix-R.Results: The analysis shows a significant increase in publications on green property since 2018. Sustainability (Switzerland) appears as the primary publication source, while Chuweni, N.N. and Fauzi, N.S. are identified among productive authors. Main topics include green housing, energy efficiency, and environmentally friendly buildings.Applications/Originality/Value: This research contributes to the expansion of green property literature and provides recommendations for future studies focusing on energy efficiency policies, green certification, green infrastructure, and sustainable property development.
The Influence of Islamic Financial Literacy and Service Ease of Use on Customers’ Decisions to Use Islamic Digital Banking Products with Islamic Financial Inclusion as a Mediating Variable Silvia Novita Sari; Muhammad Sholahuddin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.11410

Abstract

This study aims to analyze the influence of Islamic financial literacy and the ease of use of digital services on customers’ decisions to use Islamic digital banking products, with Islamic financial inclusion as a mediating variable. The research employs a quantitative approach using a survey method. Data were collected through questionnaires distributed to Islamic bank customers who use digital services in Indonesia. Data analysis was conducted using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with the assistance of SmartPLS 4 software. The results indicate that Islamic financial literacy and the ease of use of digital services have a positive and significant effect on customers’ decisions to use Islamic digital banking products. In addition, both variables also have a positive and significant influence on Islamic financial inclusion. Islamic financial inclusion, in turn, has a positive effect on customers’ decisions and is able to mediate the relationship between Islamic financial literacy, the ease of use of digital services, and the decision to use Islamic digital banking products. The novelty of this study lies in the development of an integrative research model that combines Islamic financial literacy and the ease of use of digital services by incorporating Islamic financial inclusion as a mediating variable within the context of digital Islamic banking. This study is expected to enrich academic literature on customer decision behavior and provide practical implications for Islamic banking institutions in enhancing inclusive and sustainable digital service adoption.
Co-Authors Adinata, Alberta Adirestuty, Fitranty Agus Budiman Agus Supriatman Amrullah, Muhammad Ilham Andy Dwi Bayu Bawono Anindyastri, Ranty Annisa, Widya Anton Agus Setyawan Apsta, Widya Arelsa, Kamila Dhiyanahda Arfatun Arsita, Nurul Cahya Aryakusuma Sumarjoko, Achmad Asri Abdullah, Moha Asyaffa Aulia, Prambawati Atwal Arifin Awangrif, Hasna Albana Barom, Mohd. Nizam bistara, Sadewa rama Choirul Amin Conteh, Abdul Damayanti, Intan Dinda Wulan Andari Dionna, Finna Liana Stela Dwi Sarbini Edy Purwo Saputro Eko Suryanti Eni Setyowati Erma Setiawati Fadloli, F Febrianti, Bella Finalta, Adfan Syah Fitriana Mustikaningrum Fristyaningrum, Viciananda Ghazali, Yovanda Alfian Gunawan, Noviandra Hafiizh, Muhammad Esa Hardhianti, Vioreliana Harits, Muhammad Helmy Nurcahyo Wibowo Henri Dwi Wahyudi Hidayat, Rezki Nur Huda, Muhammad Saiful Ibrohim, Muhammad Ida Musofiana, Ida Ikhbal Septyaji Putranto Trijasa Ikhlas Ramadhan, Teguh Imronuddin Imronudin Imronudin Imronudin Imronudin, I Isti Khoirul Rochmah Iswahyuni. S, Zalsa Jannah, Zainur Miftakhul Juliana Juliana Kussudyarsana Kusumastuti, Anestia Retno Lestari, Frisca Ayu M. Faiz Ali Hidayat M. Farid Wajdi Maharani, Naila Cahya Mahardika, Salwa Bunga Marwan Effendy Maulina, Reni Ma’ruf, Ma’ruf Melia Kusuma Mir’atul Hayah Moch. Adi Nur Ikhsan Moechamad Nasir, Moechamad Moechammad Nasir Moha Asri Abdullah, Moha Asri Muhammad Amar Abiyoso Muhammad Amir Anshori Muhammad Arif Muhammad Halim Maimun Muhammad Hasanudin, Muhammad Muhriza, Nurul Mujiyati Mukaramah, Maya Muzakar Isa Nabila Nurhuwaida Nasongko, Noer Ngafwan Ngafwan Nilam Saputri , Iin Normalita Sari, Astri Novel Idris Abas Nugroho Dwi Saputro, Nugroho Dwi Nur Achmad Nur Ahmad Nurdaya, Bastian Nurhaliza, Cut Nurshalihah, Aini Umi Oktandani, Nafania Annisa Permatasari, Qisthoni Poerwadi, Yuniar Belly Pradana, Angga Nur Pradina Putri, Novia Pramesti, Safira Amelia Pramudya Kurnia Priyono Priyono Purbokusumo, Andreas Sang Aji Purnomo, Siddiq Puro, Intan Widia Purwaningtyas, Yani Putri, Widya Nirmala Qonitah Qonitah Rahmawati, Rara Yuni Ramadhani, Dina Mariana Regianingsih, Sinta Amelia Dwi Ridho, M. Ghusni Rini Kuswati Riski Pangestu Rizka Rizka, Rizka Robbani Ridho, Muhammad Salsabila, Annisa Zahra Saputra, Setyawan Adi Kresna Sembiring, Rinawati Septiawan, Gavinda Micko Setia Rini Sigit Haryanto Signori, Muhammad Silvia Novita Sari Sisca Dian Rahmawati Siti Fatimah Nurhayati Sri Murwanti Sri Padmantyo Sudrajad, Dimas Rama Supomo Supomo Surono, Arif Susanto, Dimas Audy Tri Nur Wahyudi Ubaidillah, M Burhanuddin Umrotun Umrotun Veriansyah, Satria Wafiatun Mukharomah Wiyadi Wiyadi Wiyadi, W Wuryaningsih Dwi Lestari, Wuryaningsih Dwi Yuni Rahmawati, Rara Yusuf Sulistyo Nugroho Yusuf, M Luthfi Azhril Zakariyah Zakariyah Zulfa Irawati, Zulfa