Article Per Year (5 Year)
p-Index From 2021 - 2026
1.704
P-Index
This Author published in this journals
All Journal Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Jesya (Jurnal Ekonomi dan Ekonomi Syariah) At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam IMARA : Jurnal Riset Ekonomi Islam Jurnal Informatika Ekonomi Bisnis Share: Jurnal Ekonomi dan Keuangan Islam Maqdis: Jurnal Kajian Ekonomi Islam Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Jurnal Informatika Ekonomi Bisnis Imara: Jurnal Riset Ekonomi Islam Al Urwah : Sharia Economics Journal Al-bank: Journal of Islamic Banking and Finance Jurnal Ecogen
Roni Andespa
Universitas Islam Negeri Imam Bonjol Padang
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

Published : 25 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 25 Documents
Search

 1   2   3 
Determinant Analysis of MSE Owners' Interest in Islamic Banking Financing in Kenagarian Kinari: A Confirmatory Factor Analysis Approach Adif, Riandy Mardhika; Andespa, Roni; Naldi, Ool
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 1, No 1 (2024): Special Edition: International Conference on Islamic Economics (ICOIE)
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v1i1.10244

Abstract

This study examines the factors influencing Micro and Small Enterprise (MSE) owners' interest in accessing Islamic banking financing in Kenagarian Kinari. Using a quantitative approach and Confirmatory Factor Analysis (CFA), the research involved 89 MSE owners who had not yet accessed Islamic bank financing. The analysis identified ten key factors influencing MSE owners' interest: social factors (27.393%), location (8.879%), marketing mix (7.033%), promotion (5.868%), cultural (5.018%), product (4.473%), procedural (3.930%), personal (3.490%), belief (3.232%), and psychological factors (3.053%). Notably, social factors, encompassing group recommendations, family encouragement, and work environment influence, emerged as the most dominant determinant with the highest loading factor. This research provides significant contributions to developing Islamic banking strategies in reaching the MSE segment and enhancing Islamic financial inclusion at the village level.
Determinant Analysis of MSE Owners' Interest in Islamic Banking Financing in Kenagarian Kinari: A Confirmatory Factor Analysis Approach Adif, Riandy Mardhika; Andespa, Roni; Naldi, Ool
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol. 1 No. 1 (2024): Special Edition: International Conference on Islamic Economics (ICOIE)
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v1i1.10244

Abstract

This study examines the factors influencing Micro and Small Enterprise (MSE) owners' interest in accessing Islamic banking financing in Kenagarian Kinari. Using a quantitative approach and Confirmatory Factor Analysis (CFA), the research involved 89 MSE owners who had not yet accessed Islamic bank financing. The analysis identified ten key factors influencing MSE owners' interest: social factors (27.393%), location (8.879%), marketing mix (7.033%), promotion (5.868%), cultural (5.018%), product (4.473%), procedural (3.930%), personal (3.490%), belief (3.232%), and psychological factors (3.053%). Notably, social factors, encompassing group recommendations, family encouragement, and work environment influence, emerged as the most dominant determinant with the highest loading factor. This research provides significant contributions to developing Islamic banking strategies in reaching the MSE segment and enhancing Islamic financial inclusion at the village level.
Hajj Fund Investment Management in Indonesia Hulwati, Hulwati; Andespa, Roni; Mujiono, Slamet
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 8, No 1 (2022): JUNI 2022
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v8i1.5189

Abstract

Does the management of investment in Hajj funds in Indonesia impact the economy and welfare of the pilgrims in Indonesia? This study aims to see how the management of hajj funds in Indonesia. This research is motivated by the phenomenon of Hajj funds' investment management pattern that is applied in Indonesia. The location of this research is in Indonesia, where most of the population is Muslim. This study uses a qualitative approach. Data collection techniques used are through interviews and documentation. Interviews were conducted with the Hajj fund manager at the Indonesian Ministry of Religion, the Badan Pengelola Keuangan Haji (BPKH), and Bank Syariah Mandiri. Hajj funds managed by BPKH are placed on deposits and investments in securities. BPKH has now developed a hajj fund, and the investment returns positively impact the welfare of the hajj. The management of hajj funds through investment is the right way to benefit the congregation and for the welfare and benefit of the congregation during the pilgrimage. The return on investment is a government subsidy for pilgrims or covers the difference between the total cost of organizing the pilgrimage and the deposit paid by prospective pilgrims to the government. Pilgrims themselves can feel the subsidies provided through the management of hajj funds.
Customer Perceptions of Super App Ollin: A Thematic and Sentiment Analysis Robi Harjoni Putra; Ahmad Wira; Roni Andespa
Jurnal Ecogen Vol. 9 No. 2 (2026): Jurnal Ecogen
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ecogen.v9.i2.93

Abstract

This research explores how customers of Bank Nagari Sharia perceive and respond to the use of Super App Ollin in Islamic digital banking services. A qualitative descriptive approach was applied through semi-structured interviews with 30 active users selected using purposive sampling. Interview data were analyzed using thematic and sentiment analysis with NVivo 15 software. The thematic analysis identified four dominant factors influencing customer acceptance: technology readiness, perceived usefulness, perceived ease of use, and trust.  The findings indicate that perceived usefulness and trust emerged as dominant themes shaping customer acceptance. Sentiment analysis revealed that positive sentiment dominated participant responses, mainly related to transaction convenience, efficiency, accessibility, and the availability of sharia banking features. Negative sentiment appeared less frequently and was primarily associated with login failures, delayed transactions, application lag, and concerns regarding digital security. The study suggests that the development of Islamic digital banking services should focus not only on technological innovation and efficiency but also on system reliability, cybersecurity, and customer trust. The findings further indicate that sharia compliance and institutional credibility remain important factors influencing customer acceptance of Islamic digital banking applications.
Financial Technology and Sharia Economic Empowerment in Indonesia: A Qualitative Study from a Digital Economy Perspective Erizal Candra Efendi; Roni Andespa; Almizan Almizan
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 2 (2026): July - Desember 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i2.16928

Abstract

This study examines the contribution of digital Sharia fintech to Islamic economic transformation and community economic empowerment in Indonesia. Although Islamic financial literacy and inclusion have improved, access to Sharia-compliant financial services remains lower than conventional finance. This study employed a descriptive qualitative approach using in-depth interviews with 15 purposively selected participants, including four Sharia fintech stakeholders, five MSME owners, three regulators, and three platform users in Jakarta, Bandung, and Yogyakarta. Interview data were complemented by official reports and relevant academic literature and analysed thematically through data reduction, data display, and conclusion drawing. The findings indicate that participants perceived Sharia P2P lending, profit-sharing crowdfunding, and e-waqf as accessible alternatives because they provide faster application procedures, transparent transactions, and financing mechanisms consistent with Sharia principles. MSME participants reported that fintech financing supported working capital and business expansion, while platform users emphasized transparency and Sharia compliance as key sources of trust. However, limited digital literacy, uneven internet infrastructure, insufficient product socialisation, and inadequate post-financing business mentoring remain barriers, particularly in rural areas. The study concludes that digital Sharia fintech can strengthen financial inclusion and community economic empowerment when supported by digital literacy, adaptive regulation, effective business mentoring, and collaboration among government, financial institutions, fintech providers, and local communities
Co-Authors Abdi Fadhlan ADIF, RIANDY MARDHIKA Ahmad Wira Alganel, Nadya Almizan Erizal Candra Efendi Faznil Husna S. Rasyad Hulwati Hulwati Hulwati Hulwati Naldi, Ool Pandu Vidi Widyastana Suseno Rangga Wisanggara Riandy Mardhika Adif Rida Rahim Robi Harjoni Putra Sari, Dessy Kurnia Slamet Mujiono SLAMET MUJIONO, SLAMET Suseno, Pandu Vidi Widyastana Yudi Fernando Yulia Hendri Yeni