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Rokhmat Subagiyo

Universitas Islam Negeri Sayyid Ali Rahmatullah

Author-ID : 4102465

Religion Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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THE INFLUENCE OF LITERACY MODERATION VARIABLES ON SAVING PREFERENCES IN ISLAMIC BANK (Case Study of Yogyakarta Islamic Bank Customers) Kolistiawan, Budi; Subagiyo, Rokhmat; Shomad VEA, Moh. Ali Abdul; Bachtiar, Jusuf
An-Nisbah: Jurnal Ekonomi Syariah Vol 11 No 1 (2024)
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v11i1.9104

Abstrak: Tujuan penelitian ini adalah untuk menganalisis pengaruh variabel moderasi literasi terhadap preferensi menabung di bank syariah dengan mengembangkan theory of planned behavior. Penelitian ini menggunakan sampel 250 responden masyarakat Yogyakarta. Metodologi menggunakan metode kuantitatif berlandaskan pada filsafat positivism, digunakan untuk membuat generalisasi sampel dari populasi tertentu, pengumpulan data menggunakan instrumen penelitian kuesioner dengan alat ukur skala likert, analisis bersifat kuantitatif untuk menguji hipotesis yang telah ditetapkan. Metode analisis dalam penelitian ini menggunakan Structural Equation Modeling (SEM) yaitu analisa data yang menggambarkan hubungan struktural yang diekspresikan oleh seperangkat persamaan dengan menggunakan software SmartPLS 3.0. Hasil analisis menyatakan bahwa variabel sikap tidak berpengaruh terhadap niat perilaku preferensi menabung di bank syariah. Sedangkan variabel norma subjektif dan kontrol perilaku persepsian berpengaruh positif signifikan terhadap variabel niat perilaku preferensi menabung di bank syariah. Berdasarkan hasil penelitian ini juga menyatakan bahwa variabel literasi mampu memoderasi niat terhadap perilaku preferensi menabung di bank syariah. Kata kunci: TPB, Preferensi, Perilaku, Menabung, Bank Syariah Abstract: The aim of this research is to analyze the influence of the literacy moderating variable on savings preferences in Islamic banks by developing a theory of planned behavior. This research used a sample of 250 respondents from the people of Yogyakarta. The methodology uses quantitative methods based on the philosophy of positivism, used to generalize samples from certain populations, data collection uses questionnaire research instruments with Likert scale measuring instruments, quantitative analysis to test predetermined hypotheses. The analysis method in this research uses Structural Equation Modeling (SEM), namely data analysis that describes structural relationships expressed by a set of equations using SmartPLS 3.0 software. The results of the analysis state that the attitude variable has no effect on the behavioral intention of saving preferences in Islamic banks. Meanwhile, subjective norm variables and perceived behavioral control have a significant positive effect on the behavioral intention variable of saving preferences in Islamic banks. Based on the results of this research, it is also stated that the literacy variable is able to moderate intentions towards saving preference behavior in Islamic banks. Keywords: TPB, Preferences, Behavior, Savings, Islamic Banking

THE IMPACT OF ARTIFICIAL INTELEGENC, STRATEGY BUSINESS AND QUALITY PRODUCT TO ORGANIZATION BUSINESS Indah Kusumawati; Rokhmat Subagiyo
International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Vol. 3 No. 1 (2025): February
Publisher : ZILLZELL MEDIA PRIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61990/ijamesc.v3i1.442

This study evaluates the relationship between organizational culture, business strategy, and organizational performance in companies in Jakarta, Indonesia, as the largest tourism industrial area in ASEAN. The study highlights that organizational culture that includes discipline, innovation, and a clear division of authority, as well as a business strategy that focuses on vision, mission, tactics, and marketing, has a significant influence on organizational performance, as measured through growth, customer satisfaction, and marketing effectiveness. Of the 384 respondents, the results showed that organizational culture and business strategy significantly influenced organizational performance, both individually and collectively. In addition, this study also analyzes the role of artificial intelligence (AI) and product quality on the performance of Micro, Small, and Medium Enterprises (MSMEs). Using SPSS for analysis, the results show that AI has an influence of 85%, product quality by 75%, and the combination of the two contributes 80% to the performance of MSMEs, with the remaining 20% influenced by other factors not analyzed in this study. These findings underscore that higher AI adoption and improved product quality significantly improve the performance of MSMEs, providing a positive projection for the growth of small businesses in the community. This research makes an important contribution to understanding how organizational culture, business strategy, and technology and product quality can be the main driving factors in improving the performance of organizations and MSMEs, especially in the tourism and small business sectors in Indonesia.

Analyzing the Impact of Interest Among Sharia Economics Students at UIN Sayyid Ali Rahmatullah Tulungagung on Sharia Stock Investment Eylen Jisan Fitriangga; Deris Lazuardi; Rokhmat Subagiyo; Ummu Sholihah
Jurnal Investasi Islam Vol 9 No 2 (2024): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v9i2.10570

Abstract Sharia investment is a form of economic activity that invests various types of money in accordance with sharia law in the hope of obtaining profits in the future. This research uses quantitative methods, and the type of research uses associative research. The data collection method uses purposive sampling where the number of respondents is 101. These respondents are Sharia Economics students of UIN Sayyid Ali Rahmatullah Tulungagung class of 2022-2023. Primary data is also used in this study, where the type of data is through questionnaires or questionnaires, surveys, interviews and so on. This study aims to determine how much influence the interest of Sharia Economics students of UIN Sayyid Ali Rahmatullah Tulungagung class of 2022-2023 in terms of financial literacy, advances in financial technology, capital, and financial behavior. The results of this study indicate that all variables affect or have a positive and significant influence on the interest of Islamic Economics students of UIN Satu batch of 2022-2023 in investing in Islamic stocks. Because the data has a sig. value, which is less than 5% and has an estimated t value of more than 1.984 except for the financial technology progress variable which has no influence or the variable does not have a positive and significant influence on the student’s interest in investing in Islamic stocks. Abstrak Investasi syariah merupakan suatu bentuk kegiatan ekonomi yang menginvestasikan berbagai jenis uang sesuai dengan hukum syariah dengan harapan memperoleh keuntungan di kemudian hari. Penelitian ini memakai metode kuantitatif, dan jenis penelitiannya memakai jenis penelitian asosiatif. Metode pengumpulan data menggunakan purposive sampling yang dimana jumlah respondennya yaitu sebanyak 101. Responden tersebut adalah mahasiswa Ekonomi Syariah UIN Sayyid Ali Rahmatullah Tulungagung angkatan Tahun 2022-2023. Data primer juga digunakan dalam penelitian ini, yang dimana jenis data melalui angket atau kuesioner, survei, wawancara dan lain sebagainya. Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh minat mahasiswa Ekonomi Syariah UIN Satu angkatan Tahun 2022-2023 ditinjau dari literasi keuangan, kemajuan teknologi keuangan, modal, dan perilaku keuangan. Hasil dari penelitian ini, bahwasannya semua variabel berpengaruh atau memiliki pengaruh positif dan signifikan terhadap minat mahasiswa Ekonomi Syariah UIN Satu angkatan Tahun 2022-2023 dalam melakukan investasi pada saham syariah. Sebab data tersebut memiliki nilai sig., yang kurang dari 5% dan memiliki nilai t estimasi lebih dari 1.984 kecuali variabel kemajuan teknologi keuangan yang tidak memiliki pengaruh atau variabel tersebut tidak memiliki pengaruh positif dan signifikan terhadap minat mahasiswa tersebut dalam berinvestasi pada saham syariah.

Pengaruh Kinerja Keuangan Bank Syariah, Zakat, Pajak, dan Foreign Direct Investment terhadap Pertumbuhan Ekonomi Indonesia Rizkyaningrum, Adinda Agustinayu; Lestari, Lisa Yuni; Febrianto, M. Nanang; Subagiyo, Rokhmat; Sholihah, Ummu
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 3: Maret 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i3.8483

The Purpose of this research influence of short-term and long-term variables Return on Assets, Zakat, Taxes, and Foreign Direct Investment on Economic Growth in Indonesia 2006-2023. This research uses quantitative methods with a descriptive approach. The data source uses secondary data sourced from the Central Statistics Agency, Ministry of Finance, Financial Services Authority, and the National Zakat Amil Agency for 2006-2023. The results obtained show that in the short term the ROA, Tax, and FDI variables have a negative and insignificant impact, while Zakat has a positive and insignificant impact on economic growth. Long-term VECM testing of the ROA and FDI variables has a negative and significant effect, while the Zakat and Tax variables have a positive and significant impact on economic growth.

ARBITRAGE AND INTEREST RATE PARITY: IMPLICATIONS FOR FOREIGN EXCHANGE INVESTORS AND SPECULATORS Febrianto, M. Nanang; Subagiyo, Rokhmat; Aswad, Muhammad
Fokus Ekonomi : Jurnal Ilmiah Ekonomi Vol 20, No 1 (2025): June 2025
Publisher : STIE Pelita Nusantara Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34152/fe.20.1.86-97

Globalization has an impact on the development of international trade, which can increase market share. In addition, in foreign exchange trading, currency is not just a transaction tool but also a commodity traded in the foreign exchange market. The study aims to analyze arbitrage and interest rate parity on its implications for foreign exchange investors and speculators. Secondary data used in the study were obtained from books, national and international edited journals, news, and working papers conducted by a literature review. It is found that unstable economic conditions, increased inflation, and speculators can increase the volatility of exchange rate imbalances in the foreign exchange market. exchange rate differences can be utilized by arbitrageurs and will naturally move towards efficiency. However, the enactment of purchasing power parity implies indifferent behavior to invest domestically or internationally because the returns obtained are not greater than domestic. In addition to maintaining foreign exchange stability, intervention policies are needed through controlled floating exchange rates, interest rate policies, maintaining liquidity and capital flows carried out by monetary authorities and central banks, as well as reducing import dependence and increasing exports

Is Investment Intention Affected by Financial Literacy, Financial Knowledge, Motivation, and Technological Developments? Subagiyo, Rokhmat; Budiman, Ahmad; Domastuti, Putri; Bachtiar, Jusuf; Ridlwan, Ahmad Ajib
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.12332

Investor intends to put some of one's money in the stock market with the hope of future profits. This study aims to examine the development of technology as an intervention variable for financial literacy, financial knowledge, and motivation on investment intention. This research method provides a quantitative with an associative approach. Data was collected using survey, then analysed using PLS-SEM with WarpPLS. The results show that financial literacy, financial knowledge, and motivation affect students investment intention. However, motivation does not affect investment intention influence technological developments.

Sharia Stock Returns of Infrastructure Companies Listed on the Indonesia Sharia Stock Index Azizurrahman Nashrullah; Agus Eko Sujianto; Rokhmat Subagiyo
Indonesian Economic Review Vol. 5 No. 2 (2025): August : Indonesian Economic Review
Publisher : Cahaya Abadi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53787/iconev.v5i2.64

The development of the Islamic capital market in Indonesia shows a positive trend, supported by an increase in market capitalization and investor confidence in Islamic stock indices such as ISSI. On the other hand, the infrastructure sector has also experienced significant growth as reflected in the increase in the JKINFRA index stock price in recent years. Stock returns as a return on investment are the main concern of investors in assessing a company's performance. This study aims to test the effect of return on equity, current ratio, and debt to equity ratio on stock returns, and to determine whether company size can moderate the relationship between these variables on stock returns. The research method used is quantitative with a multiple linear regression approach and Moderated Regression Analysis (MRA) analysis. The data used are secondary data from the company's financial statements for the period 2020–2023. The results of this study indicate that return on equity and current ratio partially do not have a significant effect on stock returns. Meanwhile, debt to equity ratio has a negative and significant effect on stock returns. Simultaneously, there is an influence between return on equity, current ratio, and debt to equity ratio on stock returns. Company size can strengthen the relationship between return on equity, current ratio, and debt to equity ratio on stock returns.

The Effect of Operating Cash Flow, Investment Cash Flow, and Financing Cash Flow on Stock Returns in Manufacturing Companies Listed on the Indonesian Stock Exchange: (Case Study: Companies that Produce Concrete) Deris Lazuardi; Rokhmat Subagiyo; Muhammad Aswad
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 2 No. 4 (2023): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/c74zjf61

Stock returns serve as a measure for investors to evaluate a company’s investment potential and also illustrate the company’s success. This study aims to analyze how operating cash flow, investment cash flow, and financing cash flow affect stock returns in manufacturing companies listed on the Indonesia Stock Exchange, which produce concrete. This study uses a quantitative approach utilizing secondary data. The data used comes from company financial reports and Investing.com sources, and to process the data, the author uses EViews version 13 Enterprise software. The period used in this study is five years, from 2020 to 2024. The method used is panel data regression analysis with the Common Effect Model (CEM) approach. The CEM model was chosen because the model selection test results showed that this model was the best for this study. The study's results indicate that the variables of operating cash flow, investment cash flow, and financing cash flow have no effect and are not significant on the stock returns of manufacturing companies listed on the Indonesia Stock Exchange that produce concrete, either partially or simultaneously. The Adjusted R-squared (Adj. R2) value of 40% indicates that the variables used can only explain 40% of the changes in stock returns, while factors outside the variables in the model influence the other 60%. The R-squared (R2) value of 52%, which according to Chin (1998) is in the moderate category, means that these variables are sufficient to explain changes in stock returns.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v9i2.10570

Abstract Sharia investment is a form of economic activity that invests various types of money in accordance with sharia law in the hope of obtaining profits in the future. This research uses quantitative methods, and the type of research uses associative research. The data collection method uses purposive sampling where the number of respondents is 101. These respondents are Sharia Economics students of UIN Sayyid Ali Rahmatullah Tulungagung class of 2022-2023. Primary data is also used in this study, where the type of data is through questionnaires or questionnaires, surveys, interviews and so on. This study aims to determine how much influence the interest of Sharia Economics students of UIN Sayyid Ali Rahmatullah Tulungagung class of 2022-2023 in terms of financial literacy, advances in financial technology, capital, and financial behavior. The results of this study indicate that all variables affect or have a positive and significant influence on the interest of Islamic Economics students of UIN Satu batch of 2022-2023 in investing in Islamic stocks. Because the data has a sig. value, which is less than 5% and has an estimated t value of more than 1.984 except for the financial technology progress variable which has no influence or the variable does not have a positive and significant influence on the student's interest in investing in Islamic stocks. Abstrak Investasi syariah merupakan suatu bentuk kegiatan ekonomi yang menginvestasikan berbagai jenis uang sesuai dengan hukum syariah dengan harapan memperoleh keuntungan di kemudian hari. Penelitian ini memakai metode kuantitatif, dan jenis penelitiannya memakai jenis penelitian asosiatif. Metode pengumpulan data menggunakan purposive sampling yang dimana jumlah respondennya yaitu sebanyak 101. Responden tersebut adalah mahasiswa Ekonomi Syariah UIN Sayyid Ali Rahmatullah Tulungagung angkatan Tahun 2022-2023. Data primer juga digunakan dalam penelitian ini, yang dimana jenis data melalui angket atau kuesioner, survei, wawancara dan lain sebagainya. Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh minat mahasiswa Ekonomi Syariah UIN Satu angkatan Tahun 2022-2023 ditinjau dari literasi keuangan, kemajuan teknologi keuangan, modal, dan perilaku keuangan. Hasil dari penelitian ini, bahwasannya semua variabel berpengaruh atau memiliki pengaruh positif dan signifikan terhadap minat mahasiswa Ekonomi Syariah UIN Satu angkatan Tahun 2022-2023 dalam melakukan investasi pada saham syariah. Sebab data tersebut memiliki nilai sig., yang kurang dari 5% dan memiliki nilai t estimasi lebih dari 1.984 kecuali variabel kemajuan teknologi keuangan yang tidak memiliki pengaruh atau variabel tersebut tidak memiliki pengaruh positif dan signifikan terhadap minat mahasiswa tersebut dalam berinvestasi pada saham syariah.

The Role of Attitude in Mediating Gen Zâ€™s Intention in Use of Digital Sharia Banking Wartoyo, Wartoyo; Sudrajat, Anton; Wiyani, Silva; Subagiyo, Rokhmat; Haqqiquddin Rokhmatulloh, Muhammad Raisa; Fauzan
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6249

Introduction: Dynamic technological developments make a significant contribution to human life. In the banking world, one of the technological developments that has changed the way of transactions is the emergence of payment instruments known as digital banking. Therefore, this research aims to determine the effect of convenience and usefulness on interest in using digital banking with attitude as an intervention variable for Gen Z in Cirebon Regency. Method: The research uses a quantitative approach with the type of non-parametric data. The sampling technique used random sampling with a number of samples are 100 respondents. The data analysis technique uses Structural Equation Modeling (SEM) with the tool is SEM-PLS. Result: The results of the first test show that the Convenience and Usefulness has a significant effect on attitudes to use digital banking. Likewise in the second test show the Convenience, Benefit and Attitude has a significant effect on interest in using digital banking. Whereas the result of mediating test show that the Attitudes have a significant influence as an intervening variable between ease and interest in using digital banking, also has a significant effect as an intervening variable between ease and interest in using digital banking. Conclusion & Suggestion: The findings of this study show that the main factor that attracts Gen Z in using Digital Banking is the ease of use factor, therefore banks must always pay attention to the user interface (UI) and user experience (UX) of their applications. The intuitive design and easy transaction process will be very attractive to Gen Z. In addition to convenience, the benefits offered also need to be more concrete and relevant to the needs of Gen Z. Knowing that attitudes have a very important role in influencing interest, digital banks can build campaigns that focus not only on features and benefits, but also on forming a positive perception of digital banking.

Co-Authors Achmad Luthfi Chamidi Chamidi Achmad Syaichoni Adinda Agustinayu Rizkyaningrum Adlan, M. Aqim Agus Eko Sujianto Ahmad Ajib Ridlwan Ahmad Budiman Ahmad Syaichoni Ahmada, Muhamad Agus Alfiyan Nur Ahsan, Muhamad Aina Izzati Zuhria Amilia Putri Anita Febriani Anton Sudrajat Arifah Rohmatul Hidayah Ashlihah, Ashlihah Asyma Salsabila Azizah Shodiqoh Rafidah Azizurrahman Nashrullah Binti Mutafarida Binti Nur Asiyah Budi Kolistiawan Burhan Djamaluddin Darajat Mahmudi Deris Lazuardi Desta, Sri Yulfa Dhani, Rifqi Rama Domastuti, Putri Dwi Astuti Wahyu Nurhayati Endar Dwi Rahayu Eylen Jisan Fitriangga Fathur Rohman Albanjari Fauzan Fauzan . Fauzan Fauzan Fauziah Durotul Masruroh Febintha Sistyamurti Febrianto, M. Nanang Hansen Rusliani Haqqiquddin Rokhmatulloh, Muhammad Raisa Heru Setyowiyono Hidayah, Arifah Rohmatul Husnul Haq, Husnul Indah Kusumawati Irtifa Umi Azizah Jusuf Bachtiar Lestari, Lisa Yuni Lina Trisnawati Lisa Yuni Lestari M. Aqim Adlan M. Aqim Adlan, M. Aqim M. Nanang Febrianto M. Nashrullah Mashudi Mashudi Mei Santi Muhamad Agus Alfiyan Nur Ahmada Muhamad Ahsan Muhammad Aqim Adlan Muhammad Aswad Muhammad Khoirul Malik Muhammad Raisa Haqqiquddin Rokhmatulloh Mutafarida, Binti Neni Utami Novi Tri Oktavia Nur Kholis Oftafiana, Triya Oktaviana, Helmalia Qomarul Huda Reni Waningsih Resty Abdillah Paryanda Rini Fitriani Rizkyaningrum, Adinda Agustinayu Rizma Denytasari Samsul Huda Sarirotul 'Alim Sarirotul 'Alim Shoidah, Nadia Nadhirotus Shomad VEA, Moh. Ali Abdul Siti Itsna Syamsiyah Sulistiyah Syaichoni, Achmad Syamsiyah, Siti Itsna Ummu Sholihah Usdeldi, Usdeldi Wartoyo Wartoyo Wiyani, Silva

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