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All Journal Jurnal Ekonomi Pembangunan MUQTASID Khizanah al-Hikmah : Jurnal Ilmu Perpustakaan, Informasi, dan Kearsipan Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan JEB17 : Jurnal Ekonomi dan Bisnis DERIVATIF Jurnal Ilmiah Ekonomi Islam Economica: Jurnal Ekonomi Islam Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah JUMANJI (JURNAL MANAJEMEN JAMBI) Amwaluna Jurnal Ekonomi dan Keuangan Syariah Jurnal Ilmiah Poli Bisnis Diklat Review : Jurnal manajemen pendidikan dan pelatihan Indonesian Journal of Halal Research Jurnal Geuthee ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Journal of Islamic Economics and Finance Studies Journal of Islamic economy and Community Engagement Az Zarqa': Jurnal Hukum Bisnis Islam Islamiconomic: Jurnal Ekonomi Islam Jurnal Manajemen Bisnis Kewirausahaan Unisia Jurnal Kebijakan Ekonomi dan Keuangan Equilibrium: Jurnal Ekonomi Syariah Review of Islamic Social Finance and Entrepreneurship Akuntansi dan Ekonomi Pajak: Perspektif Global Optimum: Jurnal Ekonomi dan Pembangunan Al-Infaq : Jurnal Ekonomi Islam Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
Heri Sudarsono
Unknown Affiliation
Religion Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Social Sciences Other

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Minat Pelajar Muslim Menggunakan Mobile Banking Rahmansyah, Syobri Tri; Sudarsono, Heri; Ruchba, Sarastri Mumpuni; Susantun, Indah
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9052

Abstract

The purpose of this research is to analyze the intention of a Muslim student in using mobile banking using the Unifield Theory of Acceptance and Use of Technology 2 (UTAUT2) model approach. This research was conducted in August - September 2022 and the data source for this research was obtained using a survey method with a questionnaire distributed via broadcast to social media. This study uses a quantitative data processing method using SEM PLS (Partial Least Square) analysis with the statistical tool SmartPLS 3.3. The respondents in this study were students on the island of Java who had used mobile banking for at least 1 year. the variables used in this study are Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), Hedonic Motivation (HM), Facilitating Conditions (FC), Religiosity (RE), Habit (HB), Behavior Intention ( BI), Use behavior (UB). The results of this study indicate that HB, HM, and RE, have a significant influence on the intention to use mobile banking BI. While EE, FC, PE, and SI are not accepted and have no significant effect on the intention to use mobile banking BI, so that the HB, and intention using BI, has a significant effect on using mobile banking UB while FC is not accepted and has no significant effect on using mobile banking
Analysis of customer intention to save at BMT Fastabiq Jepara Sudarsono, Heri; Alghana, Ahada Dzulfikar; Ash Shidiqie3, Jannahar Saddam; El Hasanah, Lak lak Nazhat
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13177

Abstract

This research aims to analyze the intention to save at BMT Fastabiq, Jepara. This research was conducted from May to June 2023, and the data source was obtained through a survey method using a questionnaire tool that was distributed to customers at BMT Fastabiq Jepara. This research uses quantitative data processing methods with SEM PLS analysis (Partial Least Square ) using SmartPLS 4.0. The respondents in this study were 100 BMT Fastabiq Jepara customers. The variables used in this research were intention to save (INT), knowledge (KNW), products (PRD), promotions (PRM), and religiosity (RE). The results of this research reveal that products and religiosity have a positive effect on the intention to save at BMT Fastabiq Jepara, whereas knowledge and promotion do not affect customers' intention to save at BMT Fastabiq Jepara.
ANALYSIS OF MUSLIM STUDENTS’ INTENTION IN INFAQ AND SHADAQAH THROUGH ONLINE PLATFOMS Maulana, Haviv Isya; Sudarsono, Heri
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i1.2146

Abstract

This study aims to analyze what factors influence the intention of Muslim students to give infaq and shadaqah through online platforms using the Unifield Theory of Acceptance and Use of Technology (UTAUT) approach. This type of research used is quantitative research. The population and sample used in this study were Muslim students who had made or given information and articles online as many as 298 respondents. The results in this study indicate that the performance of expectancy, social influence, and trust has a positive and significant effect on the behavioral intention of Muslim students to spend and give shadaqah online. effort expectancy, facilitating conditions have a positive but not significant effect on the behavioral intention of Muslim students to spend and study online. Facilitating conditions has a significant effect on the user behavior of Muslim students to spend and study online. Behavioral intention has a significant effect on the user behavior of Muslim students to spend and study online.
Building a Halal Ecosystem Through Sharia Business Education and MSME Mentoring Muhammad Bekti Hendrie Anto; Heri Sudarsono; Abdurrahman, Zahron; Kinanthi Putri Ardiami; Achmad Rizal
Journal of Islamic Economy and Community Engagement Vol. 6 No. 2 (2025): Volume 6 No.2 2025
Publisher : FEBI UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jiecem.2025.6.2.2794

Abstract

The concepts of halal and thayyib serve as fundamental pillars of Islamic-based business, encompassing not only the products consumed but also the entire underlying business process. Micro, Small, and Medium Enterprises (MSMEs) located around the Faculty of Business and Economics (FBE), Universitas Islam Indonesia (UII), particularly in Dero Hamlet, Ngringin, demonstrate considerable potential for developing Sharia-compliant business practices. However, limited knowledge regarding the concepts of halal, Islamic business management, and the halal certification process remains a major constraint. This community service program was designed to enhance literacy and practical implementation of halal business principles through the Sharia Business School for MSMEs, which integrates educational sessions, training activities, and halal certification assistance. The methodology comprised three main stages: assessment, training, and evaluation. The results indicate an improvement in participants’ understanding of the Islamic business cycle and a heightened awareness of the importance of halal certification. This initiative is expected to serve as a sustainable model for community empowerment, contributing to the establishment of a Halalan Thayyiban business ecosystem within the FBE UII environment.
Does "Halalness" Affect Young Muslims' Intentions to Use the COVID-19 Vaccine? Sudarsono, Heri; Ikawati, Retty; Azizah, Siti Nur; Kurnia, Agus; Nuanmark, Ponchanok
Indonesian Journal of Halal Research Vol. 5 No. 1 (2023): February
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijhar.v5i1.19248

Abstract

Young Muslims comprise a large population in Indonesia. This study analyzes the effect of halal awareness, halal certification, attitudes, subjective norms, perceived behavior controls and vaccine quality on young Muslims' intentions to use the COVID-19 vaccine. This study involved 699 random respondents from 32 provinces in Indonesia. This research model develops Theory Planned Behavior (TPB) using structural equation modeling (SEM) with partial least squares structural equation modeling (PLS-SEM) data processing tools. The results showed that halal awareness and certificates had a P-value of <0.05 or positively affected Muslims' attitude towards vaccines. Likewise, halal awareness, attitudes, subjective norms and vaccine quality have a P-value of <0.05 and perceived behavior control has a P-value of <0.10 or positively affects Muslims' intentions to use vaccines. However, halal certification has a P-value of >0.10 or does not affect their intention to use vaccines. Islamic values remain a consideration for young Muslims in using the COVID-19 vaccine. Therefore, the government needs to include halal aspects in determining policies related to the implementation of vaccinations.
The Effect of Zakat Institution System and Government Support on Intention to Pay Zakat: Knowledge as A Moderating Variable Sudarsono, Heri; Nugrohowati, Rindang Nuri Isnaini; Tumewang, Yunice Karina
EQUILIBRIUM Vol 9, No 2 (2021): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v9i2.11605

Abstract

This study aims to determine the effect of attitudes, subjective norms, zakat institution system and government support in influencing the interest of the government and private officers to pay zakat. This study also aims to determine the extent of muzakki’s knowledge of zakat in improving attitudes, subjective norms, zakat institutional systems and government support in the interest of the government and private officers to pay zakat. Respondents in this study are 402 respondents consisting of 154 government officers and 248 private officers who live in 6 big cities in Java, such as Jakarta, Serang, Bandung, Semarang, Yogyakarta and Surabaya. This research uses the Partial-Least-Square Structural Equation Modeling (PLS-SEM) analysis technique with the Theory of Reasoned Action (TRA) model. The finding reveals that attitudes, subjective norms, zakat institutional system, and government support affect the government and private officers' interest in paying zakat. Meanwhile, knowledge as a moderating variable does not strengthen the influence of attitudes, zakat institutional systems and government support. Still, it reinforces the subjective norms of government and private officers in influencing intention to pay zakat. BAZNAS can collaborate with educational institutions, professional institutions, community institutions and utilize social networks to increase public knowledge about zakat. Hence, knowledge about zakat supports subjective norms and attitudes, zakat institutional system, and government support.
ANALISIS PENGARUH VARIABEL MIKRO dan MAKRO TERHADAP NPF PERBANKAN SYARIAH di INDONESIA Sudarsono, Heri
EQUILIBRIUM Vol 6, No 1 (2018): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v6i1.3040

Abstract

Abstrak Penelitian ini bertujuan untuk mengetahui pengaruh variabel mikro berupa CAR,FDR, ROA dan BOPO serta variabel makro berupa Inflasi, BI Rate dan Kurs terhadap NPF pada perbankan syariah di Indonesia periode tahun 2011:1 sampai 2017:7. Metode analisis data yang digunakan adalah Auto-Regressive Distributed Lag (ARDL) yang dapat menganalisa keterkaitan antara variabel independen terhadap variabel dependen dalam jangka panjang dan jangka pendek. Hasil analisis data menunjukkan bahwa dalam jangka pendek variabel CAR berpengaruh negatif tidak signifikan terhadap NPF, variabel FDR, ROA, BOPO dan BI Rate berpengaruh positif signifikan terhadap variabel NPF, sedangkan variabel Inflasi dan Kurs berpengaruh negatif signifikan terhadap NPF. Dan dalam jangka pendek variabel CAR, FDR dan BOPO berpengaruh positif signifikan terhadap NPF, variabel ROA dan BI Rate Kurs berpengaruh positif tidak signifikan terhadap NPF, sedangkan Inflasi berpengaruh negatif signifikan terhadap NPF. Kata Kunci : auto-regressive distributed lag (ARDL), non performing finance, variabel makro, variabel mikro. Abstract This study aims to determine the effect of micro variable in the form of CAR, FDR, ROA and BOPO and macro variables such as inflation, BI Rate and Exchange Rate against NPF in Islamic banking in Indonesia period in 2011: 1 to 2017: 7. Data analysis method used is the Auto-Regressive Distributed Lag (ARDL) to analyze the linkages between the independent variable on the dependent variable in the long term and short term. The result showed that in the short term; CAR, FDR and BOPO give significant positive effect on NPF.Thus, ROA variable, BI Rate and Exchange Rate giveinsignificant positive effect on NPFwhile the inflation variable gives significant negative effect on NPF. Further, in the long term; CAR variable givesinsignificant negative effect on the NPF while ROA and BI Rate and Exchange Rate give significant positive effect on NPF whereas inflation and exchange rate give significant negative effect on NPF.Keywords : auto-regressive distributed lag (ARDL), macro variable, macro variable, non performing finance. 
Pengembangan Sumber Daya Manusia untuk Meningkatkan Kinerja Kewirausahaan Berdasarkan Kearifan Lokal di Pesantren Irwan Candra; Rukin Rukin; Heri Sudarsono
Akuntansi dan Ekonomi Pajak: Perspektif Global Vol. 2 No. 3 (2025): Agustus: Akuntansi dan Ekonomi Pajak: Perspektif Global (AEPPG)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/aeppg.v2i3.1458

Abstract

Pesantren, as an Islamic educational institution that has long been a center of religious learning and character development, has great potential in advancing entrepreneurship based on local wisdom. The role of pesantren is not only limited to teaching religious studies, but also includes coaching students to have economic independence and competitiveness in the midst of the Times. Local wisdom that grows around pesantren can be an important capital in developing businesses that are relevant to the needs of the community. However, optimizing the function of pesantren in producing students who are independent and able to compete still faces various challenges. One of the main obstacles is the development of Human Resources (HR) which is not only oriented to mastering the theory, but also on practical skills and understanding of local values. Without the right strategy, such great potential is difficult to realize sustainably. This study aims to explore strategies that can be applied in the development of human resources in order to improve the performance of local wisdom-based entrepreneurship in the boarding school. The research method used is a qualitative approach with case studies on several boarding schools that have succeeded in forming productive business units by utilizing local potential, such as agriculture, fisheries, crafts, and food product processing. Research findings indicate that several crucial factors in building entrepreneurial human resources in pesantren include: strengthening character and work ethic, hands-on practice-based training in the field, collaboration with local business actors for knowledge transfer and market networking, as well as historical and philosophical understanding of local wisdom values. The success of entrepreneurship development in pesantren depends on the integration of spiritual aspects, practical skills, and knowledge about the potential of the region. Based on the results of the study, an integrated entrepreneurship training model that combines science, faith, and concrete action is recommended. This Model is expected to produce great pesantren entrepreneurs, competitive, and able to adapt and face global challenges without leaving their identity and noble values.
Digital infrastructure quality and stock market development: Evidence from panel data with the conditional role of FDI Saif, Saeed; Sudarsono, Heri; Saif, Hashem A. A.; Ben Rhouma , Arij
Jurnal Kebijakan Ekonomi dan Keuangan Volume 5 Issue 1, Juni 2026
Publisher : Jurusan Ilmu Ekonomi, Fakultas Bisnis dan Ekonomika, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JKEK.vol5.iss1.art1

Abstract

Purpose – This study examines the impact of digital infrastructure quality on stock market capitalization and evaluates the moderating role of foreign direct investment (FDI).Methods – Using panel data from 10 countries over the period 2012–2023, the study employs random effects estimation with robust standard errors to ensure consistency under heteroskedasticity.Findings – The results show that fixed broadband significantly enhances stock market capitalization, while internet usage is statistically insignificant. High-technology exports exhibit a negative association with market capitalization, whereas FDI contributes positively and its interaction with digitalization indicates a declining marginal effect of internet usage at higher levels of FDI.Implication – This finding emphasizes that digital quality is more important than access alone in promoting financial market development.Originality – This study advances the literature by focusing on digital infrastructure quality rather than digital adoption and by providing new cross-country evidence on the joint roles of digitalization, FDI, and high-technology exports in stock market development AbstrakTujuan – Penelitian ini menganalisis pengaruh kualitas infrastruktur digital terhadap kapitalisasi pasar saham serta peran moderasi investasi asing langsung (FDI).Metode – Penelitian menggunakan data panel dari 10 negara pada periode 2012–2023 dengan pendekatan random effects dan robust standard errors untuk meningkatkan ketahanan estimasi.Temuan – Hasil penelitian menunjukkan bahwa fixed broadband berpengaruh positif dan signifikan terhadap kapitalisasi pasar saham, sementara penggunaan internet tidak signifikan. Ekspor teknologi tinggi berhubungan negatif dengan kapitalisasi pasar, sedangkan FDI berkontribusi positif dan efek marginal penggunaan internet cenderung menurun pada tingkat FDI yang lebih tinggi.Implikasi – Temuan ini menekankan bahwa kualitas digital lebih penting dibandingkan akses semata dalam mendorong perkembangan pasar keuangan.Orisinalitas – Studi ini memperkaya literatur dengan berfokus pada kualitas infrastruktur digital, bukan sekadar adopsi digital, serta memberikan bukti lintas negara mengenai peran digitalisasi, FDI, dan ekspor teknologi tinggi dalam mendorong perkembangan pasar saham.
Pengaruh Kinerja Keuangan terhadap Return on Asset (ROA) Bank Syariah di Indonesia Nisa Friskana Yundi; Heri Sudarsono
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 10 No. 1 (2018)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v10i1.2759

Abstract

This study aims to analyze the effect of financial performance on profitability measured using Return On Assets (ROA) on Islamic Banking in Indonesia in the period 2010 to 2016 and prove the hypothesis. This study uses secondary data consisting of 7 years, from 2010 to 2016 obtained from Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI). The method of analysis used for this research is Vector Error Correction Model (VECM) consisting of stationary test, optimal lag test, cointegration test, stabilization test, impulse response function analysis, and variance decomposition. The analysis result of this research in long term CAR, FDR, NPG and BOPO have negative effect, while DPK have positive effect to ROA. While in short term CAR has no effect, while FDR, BOPO and DPK have negative effect and NPF have positive effect to ROA. Penelitian ini bertujuan untuk menganalisis pengaruh kinerja keuangan terhadap ROA yang diukur menggunakan Return On Asset (ROA) pada Perbankan Syariah yang ada di Indonesia dalam kurun waktu 2010 sampai dengan 2016 dan membuktikan hipotesis.  Penelitian ini menggunakan data sekunder yang terdiri dari 7 tahun, mulai tahun 2010 sampai dengan 2016 yang di peroleh dari OJK (Otoritas Jasa Keuangan) dan Bank Indonesia (BI), Metode analisis yang digunakan untuk penelitian ini menggunakan Vector Error Correction Model (VECM), yang terdiri dari uji stasioneritas, uji lag optimal, uji kointegrasi, uji stabilisasi, analisis impulse respons function, dan variance decomposition. Hasil analisis dari penelitian ini dalam jangka panjang CAR, FDR, NPG dan BOPO berpengaruh negative, sedangkan DPK berpengaruh positif terhadap ROA. Sedangkan dalam jangka pendek CAR tidak berpengaruh, sedangkan  FDR, BOPO dan DPK berpengaruh negative dan NPF berpengaruh  positif terhadap ROA
Co-Authors AA Sudharmawan, AA Abdurrahman, Zahron Achmad Rizal Agus Kurnia Agus Purbo Widodo Akhsyim Afandi, Akhsyim Alghana, Ahada Dzulfikar Ali Hamza Andika Ridha Ayu Perdana, Andika Ridha Ayu Ardiami, Kinanthi Putri Arlisa Indriawati Artalia, Puput Ash Shidiqie, Jannahar Saddam Ash Shidiqie3, Jannahar Saddam Asri Noer Rahmi Ben Rhouma , Arij Efendamara, Peppy Ayu El Hasanah, Lak lak Nazhat Fitri Kurnia Dewi, Fitri Kurnia Fitriyani, Yeni Fitriyani, Yeny Giri, Dimas Priyono Ikawati, Retty Irwan Candra Johanda F, Petrus Damianus Jondar, Aloysius Kadarisman Kadarisman Kinanthi Putri Ardiami Latifatunnisa Lidasan, Mussolini Sinsuat Mardiyanto, Totok Maulana, Haviv Isya Maulana, Haviv Isya Maulana Isya MB Hendrie Anto Miftakhul Khasanah Mu'ammar, Zuhdi Muhammad Bekti Hendrie Anto Mustika Noor Mifrahi, Mustika Noor Mustofa, Agus Nisa Friskana Yundi Novianto, Setyo Novie Noordiana Rachma Yulia Nuanmark, Ponchanok Nugrohowati, Rindang Nuri Isnaini Pertiwi, Bintang Putri Rahmansyah, Syobri Tri Rahmi, Asri Noer Romadhan, Achmad Rukin, Rukin Rusny Istiqomah Sujono Saif, Hashem A. A. Saif, Saeed Saputri, Miranti Aprilia Sarastri mumpuni Ruchba, Sarastri mumpuni Siti Aisiyah Suciningtias Siti Nur Azizah, Siti Nur Sri Utami Susantun, Indah Taqiyya, Faz Fachry Tristati, Imelda Inka Tumewang, Yunice Karina Weni Hawariyuni, Weni Widjiarti Nur Riswandi Yuniarti, Fauziah Rizki