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All Journal Paradigma : Journal of Science, Religion and Culture Studies Justitia MALIA El-Barka: Journal of Islamic Economics and Business ADDIN International Journal of Social Service and Research Journal of Comprehensive Science Cerdika: Jurnal Ilmiah Indonesia Journal of Islamic Economics and Finance Journal of Social Science and Business Studies El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Ekonomi, Manajemen, Akuntansi Nidhomiya: Research Journal of Islamic Philanthropy and Disaster BISNIS : Jurnal Bisnis dan Manajemen Islam
Anton Sudrajat
UNIDA Gontor
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences

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Pengaruh Adopsi Digital Banking Terhadap Kinerja Keuangan Bank Umum Syariah Dengan Efektivitas Pengelolaan Risiko Sebagai Variabel Moderas Haryogi, Jeryan; Bakhri, Syaeful; Sudrajat, Anton; Ghofar Saifudin, Abdul
Journal Of Islamic Economics And Finance Vol 5 No 2 (2025): Vol. 5 No. 2 (2025)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jief.v5i2.9276

Abstract

This study aims to analyze the effect of digital banking adoption on the financial performance of Islamic commercial banks in Indonesia and to examine the moderating role of risk management effectiveness. The research employs a quantitative approach using secondary data from the financial statements of 12 Islamic commercial banks during 2021–2023, resulting in 36 observations. Data were analyzed using panel data regression, and the Random Effect Model was selected as the most appropriate model based on the Chow, Hausman, and Lagrange Multiplier tests. The results show that digital banking adoption has a positive but insignificant effect on financial performance, indicating that the benefits of digitalization have not been fully realized during the observation period. Risk management effectiveness also shows a negative and insignificant direct effect on financial performance. However, the interaction between digital banking adoption and risk management effectiveness demonstrates a positive and significant influence, suggesting that well-managed risk practices strengthen the impact of digital banking on profitability. These findings emphasize that digitalization alone is insufficient to enhance financial performance without strong and effective risk management systems supporting its implementation.
Enhancing Creativity of Generation Z Through Project-Based Learning Juanda, Anda; Sudrajat, Anton
International Journal of Social Service and Research Vol. 6 No. 1 (2026): International Journal of Social Service and Research
Publisher : Ridwan Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/ijssr.v6i1.1353

Abstract

The development of creativity, especially among Generation Z students in high school, must be fostered through entrepreneurship education using an innovative and creative learning model: the Project Based Learning (PJBL) model. The purpose of this study is to test the effectiveness of the PJBL learning model in enhancing the creativity development of Generation Z students. The design of this study is a one-group pretest–posttest design. The sample in this study consisted of 125 State High School students representing four areas: Cirebon, Indramayu, Kuningan, and Majalengka Regencies, West Java Province, Indonesia. This research employed a creativity questionnaire adopted from Lawson. Data analysis included descriptive statistics, validity and reliability tests, normality tests, and hypothesis testing using the Paired Sample T-Test. Based on the research findings, the PJBL learning model effectively developed the creativity of Gen Z students. After the implementation of the PJBL learning model, the average student creativity score increased to 60.99, with the lowest score being 43 and the highest reaching 72, and a standard deviation of 6.237. Therefore, it can be concluded that the PJBL learning model increased students’ creativity by an average of 14.16. The aspects of creativity that improved among Gen Z students include fluency, flexibility, originality, and elaboration.
Implementasi Marketing Syari’ah dan Inovasi Produk dalam Meningkatkan Kinerja UMKM di Kecamatan Talun Kabupaten Cirebon Rosyid, Abdul; Sudrajat, Anton; Septian Haerisma, Alvien; Iip Syaripdin, Enceng; Komarudin, Udin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (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.v7i1.10673

Abstract

This study aims to describe the implementation of sharia marketing and product innovation in an effort to improve the performance of MSMEs in Talun District, Cirebon Regency. The focus of the research is directed toward an in-depth understanding of marketing practices based on sharia values, the forms of product innovation developed, and how these two aspects contribute to improving business performance. The research method employed is a qualitative approach with a case study design, using data collection techniques such as in-depth interviews, observation, and documentation with MSME actors selected through purposive sampling. Data analysis was carried out through the stages of data reduction, data presentation, and conclusion drawing. The results of the study show that sharia marketing is implemented by MSMEs through the principles of honesty, transparency, friendly service, and the avoidance of practices that harm consumers. Product innovation is carried out through design improvements, enhanced material quality, product diversification, and adjustments to local market needs. These two strategies have been proven to strengthen customer trust, increase competitiveness, and encourage sales growth and business stability. This study emphasizes that integrating sharia values with product innovation is a strategic step for MSMEs in facing the dynamics of business competition. These findings are expected to serve as a reference for MSME practitioners, business facilitators, and policymakers in formulating MSME empowerment programs based on sharia principles and sustainable innovation.
Pengaruh Manfaat dan Tantangan Penggunaan E-Saku Santri terhadap Kepuasan Santri di Pondok Pesantren Al-Bahjah Buyut Fadilah, Dimas; Aziz, Abdul; Sudrajat, Anton
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 4: Mei 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i4.16326

Abstract

Transformasi keuangan digital pada lembaga pendidikan berbasis pesantren mendorong munculnya berbagai inovasi layanan transaksi, salah satunya melalui sistem E-Saku Santri yang dirancang untuk mendukung pengelolaan keuangan santri secara lebih efisien, aman, dan terintegrasi. Penelitian ini bertujuan untuk menganalisis pengaruh manfaat dan tantangan penggunaan E-Saku Santri terhadap kepuasan santri di Pondok Pesantren Al-Bahjah Buyut. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei, di mana data dikumpulkan melalui penyebaran kuesioner kepada santri pengguna sistem dan dianalisis menggunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa persepsi manfaat berpengaruh positif dan signifikan terhadap kepuasan santri, yang mengindikasikan bahwa semakin tinggi manfaat yang dirasakan, semakin tinggi tingkat kepuasan pengguna. Sebaliknya, tantangan penggunaan berpengaruh negatif dan signifikan terhadap kepuasan, yang menunjukkan bahwa hambatan teknis maupun operasional dapat menurunkan pengalaman pengguna. Secara simultan, kedua variabel berpengaruh signifikan terhadap kepuasan santri, dengan model penelitian mampu menjelaskan 38,5% variasi kepuasan pengguna. Temuan ini menegaskan pentingnya optimalisasi manfaat fungsional dan pengurangan hambatan penggunaan dalam mendukung keberhasilan implementasi sistem keuangan digital pada lingkungan pesantren.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENDAPATAN PEDAGANG MUSLIM: Studi Pada Pedagang Sayuran di Pasar Jagasatru Cirebon Sudrajat, Anton
ADDIN Vol 8, No 1 (2014): ADDIN
Publisher : LPPM IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/addin.v8i1.591

Abstract

ANALISIS PENILAIAN KINERJA BANK SYARIAH BERDASARKAN INDEKS MAQASID SHARI'AH (Studi Kasus pada 9 Bank Umum Syariah di Indonesia Tahun 2015) Sudrajat, Anton; Sodiq, Amirus
BISNIS Vol 4, No 1 (2016): BiSNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v4i1.1688

Abstract

To assess if the aims of Islamic banking establishment has been appropriated with maqashid syariah, this assessment needs performance measurement based on maqashid syariah that was adopted from Abu Zahrah’s concept of maqashid syariah. This article aims to analyze the performance measurement of syariah commercial banks in Indonesia based on maqashid syariah index. This research results the rating of syariah commercial banks as follows: 1) Bank Panin Syariah, 2) BCA Syariah, 3) bank Muamalat, 4) Bukopin Syariah, 5) BRI Syariah, 6) BNI Syariah, 7) Bank Syariah Mandiri, 8) Maybank Syariah, 9) Bank Mega Syariah.
Pengaruh Pembiayaan Produktif dan Konsumtif Perbankan Syari'ah Terhadap Pertumbuhan Ekonomi Di Indonesia Periode 2013-2017 Sudrajat, Anton; Sodiq, Amirus
BISNIS Vol 5, No 1 (2017): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v5i1.2956

Abstract

In order for a country’s economy to grow needed economic resources one of which is the capital that comes from banking. The capital is used for production purposes so that it can increase productivity and in turn can cause economic growth of a country. The purpose of this study is to determine the effect of productive financing and consumptive financing of sharia banking to economic growth in Indonesia. The results showed that partially productive financing of sharia banking has a significant effect on economic growth in Indonesia. While consumptive financing of sharia banking has no significant effect on economic growth in Indonesia. Simultaneously, productive and consumer financing of sharia banking has a significant effect on economic growth in Indonesia with 91.3% influence.
Kepatuhan Bank Syariah Terhadap Pembiayaan Murabahah (Studi Kasus Pada BPRS Mitra Mentari Sejahtera Ponorogo) Sudrajat, Anton
BISNIS Vol 9, No 1 (2021): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v9i1.11534

Abstract

Banyak kritik tajam yang dilayangkan kepada bank syariah terutama pada praktek pembiayaan murabahah mengisyaratkan bahwa bank syariah dianggap belum mematuhi ketentuan syariah tentang ‘aqad murabahah. Namun, selama ini belum ada standar atau parameter yang seragam untuk menilai bahwa bank syariah patuh atau tidak patuh, masing-masing pihak memiliki standar atau parameter masing-masing sehingga menghasilkan penilaian yang berbeda. Penelitian ini menawarkan konsepsi maqāṣid syarīʻah yang digagas oleh At}-T}a>hir bin ‘A>syu>r untuk menilai bagaimana kepatuhan suatu bank syariah terhadap ‘aqad murabahah dengan studi kasus pada BPR Syariah Mitra Mentari Sejahtera Ponorogo. Hasil penelitian ini menunjukkan bahwa BPR Syariah Mitra Mentari Sejahtera Ponorogo telah memenuhi maqāṣid sirkulasi, maqāṣid transparansi, maqāṣid kekuatan hukum, maqāṣid preservasi, dan maqāṣid keadilan dengan sangat baik sehingga transaksi pembiayaan murabahah yang dijalankan oleh BPR Syariah Mitra Mentari Sejahtera Ponorogo dianggap sah sesuai dengan konsep maqāṣid syarīʻah At}-T}a>hir bin ‘A>syu>r.
Co-Authors Abdul Aziz Abdul Rosyid Abdullah, Umar Alvien Septian Haerisma Amirus Sodiq, Amirus Anda Juanda Asep Saefudin Bakhri, Syaeful Ely Masykuroh Fadilah, Dimas Fatmawati, Putri Noviah Fauzan Ghofar Saifudin, Abdul Haqqiquddin Rokhmatulloh, Muhammad Raisa Haryogi, Jeryan Iip Syaripdin, Enceng Iskandar zulkarnaen, Mohamad Komarudin, Udin Muhaimin, Rizal Rokhmat Subagiyo Sri Nuraeni, Sri Sri Rokhlinasari Suhadi Suhadi Wartoyo Wartoyo Wayuningsih, Nining Wiradinata, Rochanda Wiyani, Silva