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All Journal ETIKONOMI El Dinar Jurnal Ekonomi Modernisasi EQUILIBRIUM JAM : Jurnal Aplikasi Manajemen Jurnal Akuntansi Multiparadigma Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal I-ECONOMICS: A Research Journal on Islamic Economics Jurnal Ekonomi Syariah Teori dan Terapan Journal of Economic, Bussines and Accounting (COSTING) Management and Economics Journal (MEC-J) Journal EVALUASI Journal of Islamic Economic Laws International Journal of Supply Chain Management JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) JURNAL NUSANTARA APLIKASI MANAJEMEN BISNIS EQIEN - JURNAL EKONOMI DAN BISNIS JOURNAL OF APPLIED BUSINESS ADMINISTRATION Jurnal Tabarru': Islamic Banking and Finance Iqtishoduna: Jurnal Ekonomi Islam MANAGERIA: Jurnal Manajemen Pendidikan Islam Jurnal Aplikasi Dan Inovasi Ipteks SOLIDITAS Dialektika: Jurnal Ekonomi dan Ilmu Sosial Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Enrichment : Journal of Management BISMA (Bisnis dan Manajemen) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Islamic Economic Laws
Achmad Sani Supriyanto
UIN Maulana Malik Ibrahim Malang
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Transportation Other

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Exploring The Determinants of Sustainable Interest To Use E-Wallet: The Mediating Role of Customer Satisfaction Marasabessy, Masaalah; Supriyanto, Achmad Sani; Ekowati, Vivin Maharani; Setiani, Setiani; Siswanto, Siswanto; Wicaksono, Ahmad Tibrizi Soni; Meylianingrum, Kurniawati; Miranti, Titis; Ahamed, Forbis
Jurnal Aplikasi Bisnis dan Manajemen Vol. 11 No. 3 (2025): JABM Vol. 11 No. 3, September 2025
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.11.3.789

Abstract

Background: The current rapid development of the times has created the birth of the evolution of payment instruments such as e-wallets. The evolution of this means of payment facilitates human activities in terms of transactions. The ease, convenience, speed, and benefits offered by Payment System Service Providers (PJSP) such as e-wallets can attract people's interest in adopting this system. Purpose: This study examines the direct effects of perceived ease of use, perceived usefulness, and e-service quality on sustained e-wallet use in Jayapura City, with customer satisfaction as a mediator. Design/methodology/approach: The research method adopted is quantitative, with an explanatory approach. The population in this study was the residents of Jayapura City, and the sampling technique was purposive, resulting in a sample size of 200 respondents. Data were collected via a questionnaire and then evaluated using SmartPLS v.4.1.0.6. Findings/Result: The findings show that perceived convenience does not affect long-term interest in using e-wallets. Meanwhile, perceived benefits, e-service quality, and customer satisfaction favourably and significantly impact sustained e-wallet usage. These findings also demonstrate that customer satisfaction can mediate the relationship between perceived convenience, perceived benefits, and e-service quality regarding Jayapura City residents' sustained interest in utilizing e-wallets. Conclusion: This study shows that the e-wallet payment system service provider can improve the services provided, increase the literacy of the people of Jayapura City regarding the operation of e-wallets and the urgency of using technology so that the people of Jayapura City are technology literate. In addition, the e-wallet should also be able to provide various promos that can attract the interest of the people of Jayapura City. Originality/Value (State of The Art): The findings of this research are intended as evaluation material and a basis for decision-making by e-wallet applications regarding interest in adopting e-wallets. Keywords: perceived benefits, e-service quality, customer satisfaction, sustainable interest, e-wallet
Characteristics of Moslem Families Economy Based on Maqashid Sharia Perspective Zakiy, Faris Shalahuddin; Ridwan, Ahmad Muhtadi; Supriyanto, Achmad Sani
Journal of Islamic Economic Laws Vol 4, No 1: January 2021
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v4i1.12188

Abstract

Modern lifestyle has interfered principles of moslem families. This era tries to define attitude, wealth value, and social position of individuals in society. It might become a doctrine, patent product, challenge or threat. The objective of this research is to elaborate the Islamic characteristics within the economy of moslem families and also implementation of Maqashid Sharia in the economy of moslem families. This research exerts case-study, by determining selected informants from the community of moslem small entrepreneurs in Malang. The findings show that the moslem families consider faith (iman) as basic foundation of economy. They also hold on to character perfection that is based on akhlaqul karimah, lawfulness and wholesomeness, priority scale as expenditure reference, moderation as absolute standardization and responsibility of woman’s wealth proprietary. Internalization of Islamic economy principles in the moslem families economy includes the statement that working as a form of ikhtiar and worship, expenditure as material and spiritual distribution of wealth, savings as urgent post in the future, and wealth as instrument to serve to Allah. Finally, it is important to regard Maqashid Sharia as a standard of Muslim action in economy.
Does trust matter? examining the impact of socialisation, knowledge, and religiosity on employee performance in banking sector Hasibuan, Lempang; Supriyanto, Achmad Sani; Ekowati, Vivin Maharani; Maksum, Ikhsan; Khan, Ryan Basith; Sani, Ahmad Firza Fahreza; Ahamed, Forbis
BISMA (Bisnis dan Manajemen) Vol. 18 No. 1 (2025)
Publisher : Universitas Negeri Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/bisma.v18n1.p66-85

Abstract

Knowledge is a critical factor in improving performance and achieving competitive advantage. The purpose of this study is to determine the mediating role of trust in the relationship of socialisation, knowledge, and religiosity toward employee performance in banking sector. This research is quantitative with an explanatory approach. This study surveyed 200 employees of a sharia bank in Indonesia and collected 112 respondents return the questioner. The data analysed using Partial Least Squares Structural Equation Modelling (SEM-PLS). This study confirms that socialisation and knowledge do not affect employee performance directly. Religiosity affects employee performance. Trust mediates the effect of socialisation, knowledge, and religiosity on employee performance. The study provides new evidence on trust in Islamic banking sector related to socialisation, knowledge, religiosity and employee performance. Managers in Islamic banks should strengthen internal socialisation and knowledge-sharing programs that are grounded in religious values to foster greater trust among employees. By prioritising trust-building, managers can enhance employee commitment and overall performance, creating a more cohesive and value-driven organisational culture.
PERAN PELATIHAN PEMEDIASI DALAM PERSEPSI KEMUDAHAN DAN MANFAAT TRANSAKSI E-WALLET TERHADAP PENDAPATAN USAHA MIKRO Hasibuan, Lempang; Supriyanto, Achmad Sani; Rahayu, Yayuk Sri; Abdani, Fadlil; Oktaviana, Ulfi Kartika
JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Vol 11, No 1 (2025): Vol 11, No. 1 (2025)
Publisher : Universitas Pakuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34203/jimfe.v11i1.11422

Abstract

ABSTRAKTujuan dari penelitian ini adalah untuk menguji pengaruh persepsi kemudahan, persepsi manfaat terhadap pendapatan usaha mikro di Kota Malang serta menguji apakah pelatihan dapat memediasi pengaruh persepsi kemudahan dan manfaat terhadap pendapatan usaha mikro di Kota Malang. Sampel usaha mikro sebanyak 200 usaha mikro dan sampel konsumen sebanyak 108 responden yang dipilih menggunakan teknik probability sampling. Data dikumpulkan melalui kuesioner. Analisis data menggunakan partial least square (PLS). Hasil penelitian ini yaitu persepsi kemudahan tidak berpengaruh terhadap pendapatan usaha mikro; persepsi manfaat berpengaruh terhadap pendapatan usaha mikro; dan pelatihan dapat memediasi pengaruh persepsi kemudahan dan manfaat terhadap pendapatan usaha mikro. Hal ini menunjukkan walaupun aspek kemudahan penggunaan teknologi/digital tidak mempengaruhi pendapatan, namun pemerintah atau pendamping usaha mikro tetap lebih gencar menyampaikan bukti nyata manfaat adopsi teknologi/digital, seperti efisiensi biaya atau perluasan pasar. Selain itu, untuk pelatihan tidak hanya sekadar pengenalan teknologi, tetapi harus menekankan pada implementasi praktis yang berdampak pada pendapatan.ABSTRACTThe purpose of this study was to examine the influence of perceived ease, perceived benefits on micro-enterprise income in Malang City and to examine whether training can mediate the influence of perceived ease and benefits on micro-enterprise income in Malang City. A sample of 200 micro-enterprises and a sample of 108 consumers were selected using probability sampling techniques. Data were collected through questionnaires. Data analysis used Partial Least Square (PLS). The results of this study are that perceived ease has no effect on micro-enterprise income; perceived benefits have an effect on micro-enterprise income; and training can mediate the influence of perceived ease and benefits on micro-enterprise income. This shows that although the aspect of ease of use of technology/digital does not affect income, the government or micro-enterprise assistants are still more active in conveying real evidence of the benefits of adopting technology/digital, such as cost efficiency or market expansion. In addition, training is not just an introduction to technology, but must emphasize practical implementation that has an impact on income.
BUILDING EMPLOYEE PERFORMANCE: THE ROLE OF REWARD AND PUNISHMENT MEDIATED BY WORK DISCIPLINE Ekowati, Vivin Maharani; Supriyanto, Achmad Sani; Permadani, Viola Putri; Fahreza Sani, Ahmad Firza
JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Vol 10, No 2 (2024): Vol 10, No. 2 (2024)
Publisher : Universitas Pakuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34203/jimfe.v10i2.9686

Abstract

ABSTRACTThe research aims to test and analyze the effect of reward and punishment on employee performance and determine whether work discipline mediates the effect of reward on employee performance and whether work discipline mediates the effect of punishment on employee performance. The population of this research is PDAM Malang employees, totaling 329 permanent employees. The sample size was determined using the Slovin formula with a precision of 10%, so the sample size was 77 employees. The sample determination method used was simple random sampling. The research method uses Path Analysis. The research results show that reward and punishment do not directly influence employee performance. Work discipline mediates the effect of reward and punishment on employee performance. Work discipline can help employees better understand their work and provide more insight into evaluating their performance. The findings of this research can be applied to improve employee performance by giving rewards and applying punishment through work discipline so that organizational goals can be achieved.ABSTRAKTujuan penelitian adalah untuk menguji dan menganalisis pengaruh reward dan punishment terhadap kinerja karyawan, disiplin kerja memediasi pengaruh reward terhadap kinerja karyawan, dan disiplin kerja memediasi pengaruh punishment terhadap kinerja karyawan. Populasi penelitian ini adalah karyawan PDAM Malang berjumlah 329 pegawai tetap. Jumlah sampel ditentukan dengan menggunakan rumus Slovin dengan presisi 10% maka ukuran sampel adalah 77 orang pegawai. Metode penentuan sampel yang digunakan yaitu simple random sampling. Metode penelitian menggunakan Path Analysis. Hasil penelitian menunjukkan bahwa reward dan punishment tidak memiliki pengaruh langsung terhadap kinerja pegawai. Disiplin kerja memediasi pengaruh reward dan punishment terhadap kinerja pegawai. Disiplin kerja dapat membantu pegawai lebih memahami pekerjaan dan memberikan pemahaman lebih tentang evaluasi atas kinerja mereka. Temuan penelitian ini dapat diaplikasikan untuk meningkatkan kinerja karyawan dengan memberikan penghargaan dan menerapkan hukuman melalui disiplin kerja, sehingga tujuan organisasi dapat tercapai.
Understanding The Drivers of Interest in Fintech Adoption: Examining The Moderating Influence of Religiosity Baharuddin, Jukri; Supriyanto, Achmad Sani; Siswanto, Siswanto; Ekowati, Vivin Maharani
Jurnal Aplikasi Bisnis dan Manajemen Vol. 9 No. 3 (2023): JABM Vol. 9 No. 3, September 2023
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.9.3.695

Abstract

Fintech is an innovation in financial services with the application of modern technology to introduce practicality, convenience, ease of access, and affordable costs. The purpose of this study was to examine the impact of attitudes, subjective norms, and behavioral control in the theory of planned behavior on interest in utilizing fintech, using religiosity as a moderation variable. This research is a quantitative study with explanatory research method to prove the research hypotheses. Data were gathered through the distribution of questionnaires to 570 respondents who had or were utilizing fintech, and analyzed using partial least squares (PLS). The findings revealed that attitudes, subjective standards, and behavioral control had a substantial impact on interest in utilizing fintech, while religiosity does not moderate the relationship between variables. As a result, fintech service providers are advised to increase positive assessments of the use of fintech services, to make use of social media, and to collaborate with influencers to hype up Indonesians' interest in using fintech. The research findings could be useful for increasing interest in utilizing fintech by engaging in tangible consumer financial and technology education that supports wider adoption of fintech. Keywords: planned behavior, subjective norm, behavioral control, fintech
Reconstructing Islamic Human Development Index in Indonesia Arsyad, Maulana Kamal; Supriyanto, Achmad Sani; Ekowati, Vivin Maharani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 12 No. 4 (2025): November-2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol12iss20254pp389-405

Abstract

This study aims to examine the construct validity of the Islamic Human Development Index (IHDI) indicators developed by Anto 2011 and Rama & Yusuf 2019 in the context of human development in Indonesia to ensure an appropriate index is obtained. The analysis method used is Principal Component Analysis (PCA) with secondary data from 34 provinces in Indonesia for the year 2024. The results show that two indicators, namely the zakat to GDP ratio and the Gini ratio, were eliminated due to high inter-regional variability. The study identifies four main components that form the IHDI, which are the socio-religious dimension, quality of life, economic welfare, and social mobility, explaining a total variance of 75.72 percent. The novelty of this research lies in the empirical reconstruction of the IHDI using the PCA approach, which produces a measurement structure more representative of the socio-economic conditions in Islamic Indonesia compared to the commonly used IHDI. The findings suggest that the PCA-based IHDI model can serve as a foundation for formulating more representative inter-provincial policies in Indonesia aligned with Islamic ethical values at the provincial level.
Analisis Peran Emosi Positif Pada Perilaku Impulse Buying Generasi Z Banyuwangi Azid, Raka Malik; Supriyanto, Achmad Sani; Firmansyah, Fani
Jurnal Nusantara Aplikasi Manajemen Bisnis Vol 9 No 1 (2024): Jurnal Nusantara Aplikasi Manajemen Bisnis
Publisher : UNIVERSITAS NUSANTARA PGRI KEDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/nusamba.v9i1.20967

Abstract

Research aim : This study aims to understand the effects of Islamic promotion, fashion involvement and hedonic shopping motivation on impulse buying by mediating positive emotions in Generation Z Banyuwangi. Design/Methode/Approach : This type of research is explanatory research and a quantitative approach. The sampling technique used the slovin technique, resulting in a total of 400 respondents. The data source utilizes survey data from online questionnaires with a Likert scale of 1-4. The analysis technique includes outer model testing and inner model testing with SmartPLS. Research Finding : The results of this study indicate that Islamic promotion, fashion involvement, hedonic shopping motivation and positive emotions have a positive and significant effect on impulse buying. Meanwhile, Islamic promotion and hedonic shopping motivation have a significant positive effect on impulse buying through positive emotions as mediation. However, the different results of positive emotions cannot mediate between fashion involvement and impulse buying. Theoretical contribution/Originality : Using Islamic promotional variables to implement appropriate marketing according to Islam and positive emotions as mediating variables are expected to have a significant effect both directly and indirectly. Practitionel/Policy implication : The implications of this research for e-commerce users as business actors, the use of Islamic promotions can encourage impulse buying among Generation Z in Banyuwangi Regency so as to increase sales of Muslim fashion products. For generation Z as consumers who shop with hedonic motives, fashion involvement, and positive emotions can trigger impulse buying, so that it has the potential for consumptive behavior. Research limitation : This research focuses on the impulse buying of Banyuwangi Z generation consumers who have shopped through e-commerce.
Co-Authors Abdul Fatah Rusydi Abdul Rouf Abdussakir Abdussakir Adrian Muhari, Muhammad Dheo Ahamed, Forbis Ahmad Dicky Ariyanto Ahmad Muhtadi Ridwan Ahmar, Ansari Saleh Arsyad, Maulana Kamal Azid, Raka Malik Baharuddin, Jukri Bq. Risna Amelia Jannati Darma, Prayoga Setia Delita Pristyowati Eko Suprayitno Fachry Abda El Rahman Fadhila, Abdil Tsabit Fadlil Abdani Fahreza Sani, Ahmad Firza Fani Firmansyah Faris Shalahuddin Zakiy Faris Shalahuddin Zakiy, Faris Shalahuddin Fiqly, Moch. Bazar Jamharol Haq Hasibuan, Lempang Hidayati, Elly Wahyu Hilda Vironika Ikhsan Maksum Ilfi Nur Diana Indah Yuliana Indrianawati Usman Innayah, Eka Putri Johari, Fuadah Binti Kamaluddin Kamaluddin Khan, Ryan Basith Kurniawati Meylianingrum Marasabessy, Masaalah MARDIANA Masyhuri Masyhuri Masyhuri Masyhuri Masyhuri Masyhuri Masyhuri Moch. Mahsun Nanik Wahyuni ‎ Nihayatu Aslamatis Solekah Nur Asnawi Nur Shodiq Askandar Permadani, Viola Putri Ratna Mitasari Ridwan, Ahmad Muhtadi Ridwan, Muhtadi riska nurul azizah S Siswanto Salim Al Idrus Sani, Ahmad Firza Fahreza Setiani Setiani, Setiani Shanti Auliana Shofiyah Al Idrus Siswanto Siti Harizah Siti Ma'rifatul Hasanah Sri Harini Sri Rahayu Tanti Handriana Titis Miranti, Titis Ubaidillah, M. Alfan Ulfi Kartika Oktaviana Vivin Maharani Ekowati Wicaksono, Ahmad Tibrizi Soni Yayuk Sri Rahayu Zainullah