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All Journal Jurnal Pendidikan Ekonomi Undiksha Jurnal Ilmiah Mahasiswa FEB Al-Muzara'ah At-Tawassuth: Jurnal Ekonomi Islam Ihsan: Jurnal Pengabdian Masyarakat Jurnal Pengabdian kepada Masyarakat Nusantara Journal of International Conference Proceedings Jurnal KALANDRA Journal of Development Economic and Social Studies (JDESS) Contemporary Studies in Economic, Finance and Banking (CSEFB) Islamic Economics and finance in Focus (IEFF)
Muhammad Dandy Alif Wildana
Universitas Brawijaya
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 Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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PEMBIAYAAN BAGI HASIL: ANALISIS PENGARUH FAKTOR INTERNAL DAN FAKTOR EKSTERNAL BANK SYARIAH Widawati, Exvita; Wildana, Muhammad Dandy Alif
Islamic Economics and finance in Focus Vol. 3 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2024.03.02.01

Abstract

The rapid development of the Islamic banking industry in Indonesia is evident in the substantial share of profit and loss sharing (PLS), particularly when compared to other nations. However, on regional scale, PLS as a primary product of Islamic banks has yet to assert dominance of disbursed financing. Analysis of internal and external factors that influence PLS of Islamic banks in Indonesia will be the focus of the research. The Error Correction Model method was chosen to determine the effects in the short and long term. Time series analysis was carried out in the time period January 2015 to December 2022. This research found that internal factors, Third-Party Funds had a positive and significant effect on PLS in the short and long term. Then Allowance for Impairment Losses in the short term does not have a significant effect but in the long term it has a negative and significant effect. Interestingly, PLS is not sensitive to CAR and economic growth. This research shows the resilience of Islamic banks in facing the crisis caused by the Covid-19 pandemic. PLS grew higher in the period after the Covid-19 Pandemic compared to before the Covid-19 Pandemic. The implications of these findings encourage Islamic banks to develop products and services, tighten risk management in the long term, and expand the market share of Islamic banks.
CROWDFUNDING-WAQF DAN GENERASI MILENIAL: ANALISIS BERDASARKAN PENDEKATAN UTAUT Qonitah Rifda Zahirah; Muhammad Dandy Alif Wildana
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.12

Abstract

Waqf has significant potential in Indonesia because the majority of its population is Muslim. However, the development of waqf is hindered by issues related to fund allocation and distribution, as well as inefficiencies in traditional waqf. This study aims to analyze the intentions of Millennials in conducting Crowdfunding Waqf using the Unified Theory of Acceptance and Use of Technology (UTAUT) model, supplemented with variables such as religiosity, information media, knowledge, and altruism. Primary data were collected through an online survey in Malang City with 253 respondents who are Muslim, belong to the millennial generation, are residents of Malang City, and are employed. The analysis was conducted using SEM-PLS (Partial Least Squares-Structural Equation Modelling). The results show that the variables of performance expectancy, effort expectancy, information media, altruism, and knowledge level have a positive and significant relationship with millennials' intentions to conduct crowdfunding waqf. Conversely, the variables of social influence, facilitating conditions, and religiosity have a positive but not significant relationship with these intentions. This study makes an important contribution to the literature on factors influencing the acceptance and adoption of waqf-based crowdfunding models among millennials. Keywords: Crowdfunding Waqf; Millennial Generation; UTAUT
ANALISIS EFISIENSI KINERJA KEUANGAN OPZ DALAM MENGELOLA DANA ZIS DI INDONESIA: PENDEKATAN DATA ENVELOPMENT ANALYSIS Apriyanto, Rizky; Muhammad Dandy Alif Wildana
Islamic Economics and finance in Focus Vol. 3 No. 4 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2024.03.04.10

Abstract

This study aims to analyze the efficiency of the financial performance of Zakat Management Organizations (ZMOs) in Indonesia in managing Zakat, Infaq, and Sadaqah (ZIS) funds and analyzing cost efficiency and the potential for optimizing the collection and distribution of ZIS funds. This quantitative research uses a non-parametric approach with secondary data in the form of financial reports from several OPZ for the period 2018-2022. This research uses the Data Envelopment Analysis (DEA) method, output-oriented, and assumes the VRS model using MaxDEA lite 12.0.8 software. Input variables include personnel costs, socialization costs, operational costs, and total assets. Output variables include the receipt of ZIS funds and the distribution of ZIS funds. The analysis showed that out of 20 Decision Making Units (DMUs), seven DMUs had efficiency of less than 100%. Meanwhile, thirteen other DMUs reached 100% efficiency, namely BAZNAS from 2020 to 2022, LAZNAS Rumah Zakat Indonesia (RZI) from 2018 to 2022, LAZNAS Yayasan PPPA Daarul Qur'an and LAZNAS Dewan Dakwah Islamiyah Indonesia (DDII) in certain years. Inefficiency in ZMOs is caused by personnel costs, socialization costs, and total assets. These costs affect the optimization of OPZ resources in producing maximum output.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI OMZET UMK KULINER DI KOTA MALANG Putri, Chika Avianda; Muhammad Dandy Alif Wildana
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 4 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2024.03.4.16

Abstract

Micro, Small and Medium Enterprises (MSMEs) have contributed greatly to the Indonesian economy through GDP and employment. The development of MSMEs is caused by supporting factors, such as capital, labor, length of business, working hours, and technology. Quick Response Code Indonesian Standard (QRIS) is a new payment instrument issued by BI to support a more efficient non-cash payment system. This study aims to determine the effect of QRIS, capital, labor, length of business, and working hours on the turnover of culinary MSEs in Malang City. This study uses primary data in the form of questionnaires distributed directly to 75 respondents. The method used in this research is multiple linear regression to test the influence between variables. The results of this study indicate that the effect of QRIS use, length of business, and working hours has no significant effect on MSE turnover in Malang City, while capital and labor have a significant effect on MSE turnover in Malang City. However, all independent variables jointly affect the dependent variable of MSE turnover in Malang City.
E-Wallet, Paylater, and Financial Literacy: Impact on Student Consumption Pranata, Cahyo Rendi Agung; Wildana, Muhammad Dandy Alif
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.1.02

Abstract

The development of e-commerce has triggered fintech companies to create innovative payment methods, as evidenced by the existence of e-wallets and paylater which are currently the most frequently used payment methods in Indonesia. The ease of transactions using fintech e-wallet and paylater and the level of financial literacy may have an impact on people's consumptive behavior, especially in the tech savvy generation. This is interesting to study, which is supported by the different results in previous studies. This study aims to determine the effect of using fintech e-wallet features, paylater, and financial literacy on student consumptive behavior. This research is limited to the use of e-wallet and paylater Shopeepay and Gopay. This research uses a quantitative approach with Structural Equation Model Partial Least Square (SEM-PLS) data analysis techniques. The results of this study indicate that the variable use of e-wallet and the variable use of paylater have a significant effect on student consumptive behavior, while financial literacy has no significant effect on the consumptive behavior of Brawijaya University students.
The Influence of Emotional and Rational Motives on Decision Making in Choosing Bank Syariah Indonesia Savings Products Miftakhul Jannah; Muhammad Dandy Alif Wildana
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2025.04.1.11

Abstract

This study aims to determine the influence of emotional motives and rational motives in choosing Bank Syariah Indonesia savings products. The method used in this study is quantitative with the Partial Least Square Structural Equation Model or PLS-SEM data analysis method operated through the SmartPLS 4.0 program. As for the data sources used in this study are primary data and the population in this study is the Working Age Population (PUK) in Malang Raya. The sampling technique uses the Purposive sampling method with data collection techniques using questionnaires and utilizing the Likert scale model. The results of the analysis show that the variables of social status, security, comfort and benefits have a positive and significant effect on customer decision making in choosing Bank Syariah Indonesia savings products. This study will contribute to the knowledge that already exists in the literature, especially in the context of factors that influence customer decision making in Bank Syariah Indonesia in the Malang Raya area.   Abstrak Penelitian ini bertujuan untuk mengetahui pengaruh motif emosional dan motif rasional dalam memilih produk tabungan Bank Syariah Indonesia. Metode yang digunakan dalam penelitian ini adalah kuantitatif dengan metode analisis data Partial Least Square Structural Equation Model atau PLS-SEM yang dioperasikan melalui program SmartPLS 4.0. Adapun sumber data yang digunakan dalam penelitian ini adalah data primer dan populasi dalam penelitian ini adalah Penduduk Usia Kerja (PUK) di Malang Raya. Teknik pengambilan sampel menggunakan metode Purposive sampling dengan teknik pengumpulan data menggunakan kuesioner dan memanfaatkan model skala likert. Hasil analisis menunjukkan bahwa variabel status sosial, keamanan, kenyamanan dan manfaat berpengaruh positif dan signifikan terhadap pengambilan keputusan nasabah dalam memilih produk tabungan Bank Syariah Indonesia. Penelitian ini akan menambah pengetahuan yang telah ada pada literatur khususnya dalam konteks faktor-faktor yang mempengaruhi pengambilan keputusan nasabah Bank Syariah Indonesia wilayah Malang Raya.
An Analysis of The Effects of External and Internal Factors on The Profitability of Btpn Syariah in the 2014-2022 Period Fisabilillah, Yusminia Fauzyyah; Wildana, Muhammad Dandy Alif
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2025.04.1.12

Abstract

BTPN Syariah is a relatively new private Islamic bank that capable to generate profits higher than other Islamic banking companies. The profit earned by the company come from various sources. This study aims to determine the effect of internal and external factor which influence profitability of BTPN Syariah for the period 2014-2022. This research emplrys descriptive quantitative methods using secondary data from BTPN Syariah's quarterly financial reports during the 2014-2022 period, inflation and interest rate data are taken from BPS. The data analysis method used is the ECM method which consists of stationarity test, cointegration test, ECM modeling, parameter significance test with F test and t test. The results showed that all variables were stationary at the second difference integration degree. There is a long-term influence between variables. The short-term modeling results also show the existence of short-term influence on the research model. In conclusion, in the short-term model, NPF, BOPO and CAR variables have a negative and significant effect on ROA, FDR has a positive and significant effect on ROA, while CKPN inflation and interest rates have no effect on ROA. In the long-term model, NPF, BOPO, CAR and CKPN have a negative and significant effect on ROA. FDR has a positive and significant effect on ROA. Inflation and interest rates have no effect on ROA.   Abstrak BTPN Syariah sebagai bank syariah swasta muda yang mampu mencetak profit Perusahaan cukup tinggi dari Perusahaan perbankan syariah lainnya. Profit yang didapatkan oleh Perusahaan berasal dari berbagai sumber. Penelitian ini bertujuan untuk mengetahui pengaruh faktor internal dan eksternal terhadap profitabilitas BTPN Syariah periode 2014-2022. Penelitian ini menggunakan metode penelitian kuantitatif deskriptif dengan menggunakan data sekunder dari laporan keuangan triwulan BTPN Syariah selama periode 2014-2022, data inflasi dan suku bunga yang diambil dari BPS. Metode analisis data yang digunakan adalah metode ECM yang terdiri dari uji stasioneritas, uji kointegrasi, pemodelan ECM, uji signifikansi parameter dengan uji F dan uji t. Hasil penelitian menunjukkan bahwa semua variabel stasioner pada derajat integrasi second difference. Terdapat pengaruh antar variabel pada jangka panjang. Hasil pemodelan jangka pendek juga menunjukkan adanya pengaruh jangka pendek pada model penelitian. Kesimpulannya, pada model jangka pendek, variabel NPF, BOPO dan CAR berpengaruh negatif dan signifikan terhadap ROA, FDR berpengaruh positif dan signifikan terhadap ROA, sedangkan CKPN inflasi dan suku bunga tidak berpengaruh terhadap ROA. Pada model jangka panjang NPF, BOPO, CAR dan CKPN mempunyai pengaruh negatif dan signifikan terhadap ROA. FDR berpengaruh positif dan signifikan terhadap ROA. Inflasi dan suku bunga tidak berpengaruh terhadap ROA.
Analysis of the Relationship Between Economic Growth, Energy Consumption, CO2, and Trade Openness: Indonesia Muhammad Faruq; Muhammad Dandy Alif Wildana
Journal of Development Economic and Social Studies Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jdess.2025.04.2.13

Abstract

This study examines the causal relationship between energy consumption, carbon emission, trade openness, and economic growth and how the first three variables affects economic growth. Using data ranged from 1966 to 2023 from Indonesia, a vector error correction model and granger causality test is used to help analyze the data. Despite the expectations from exogenous growth theory and environmental Kuznets curve theory, the results reveal limited causality. Results shows that theres a causality from carbon emission towards economic growth and a bidirectional causality from energy consumption and economic growth with a long run effect from energy consumption, carbon emission, and trade openness towards economic growth. These findings suggest that that economic activities are reactive to environmental and energy trends. Policy implications include the need for integrated energy and environmental planning while recognizing the limited short-term impact of trade openness on economic growth dynamics in Indonesia.
Identifikasi Tata Kelola Aset Wakaf di Indonesia (Studi pada Badan Wakaf Indonesia dan Institusi Wakaf Tradisional) Manzilati, Asfi; Wildana, Muhammad Dandy Alif; Nabilah, Ulfa; Syamsuri, Asyila Muthi’ah
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. X | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v1i1.24553

Abstract

Wakaf merupakan salah satu lembaga filantropi Islam yang merupakan salah satu pilar utama dalam mendukung keberlangsungan umat muslimin. Wakaf telah melalui berbagai tantangan zaman dan waktu. Indonesia telah mengenal wakaf semenjak masa sebelum kemerdekaan dan manjadi pilar utama dari pemberdayaan umat muslim di Indonesia. Perwakafan di Indonesia digawangi oleh Badan Wakaf Indonesia (BWI) sebagai induk utama dari wakaf berdasarkan amanat undang-undang di Indonesia. Penelitian ini bertujuan untuk mengidentifikasi tata kelola asset wakaf di Indonesia, khususnya pada BWI dan institusi wakaf tradisional yang diwakili oleh Yayasan Dana Sosial Al Falah (YDSF). Penelitian ini menemukan perbedaan jenis asset yang dikelola antara BWI dan YDSF, dan secara struktur, BWI masih lebih fokus pada asset dana likuid dan investasi yang bebas risiko. Sedangkan YDSF lebih fokus pada pengelolaan asset wakaf dalam bentuk fisik yang berupa modal fisik untuk pemberdayaan ekonomi. Kedepannya, diperlukan penelitian lebih mendalam mengenai bagaimana tata kelola lembaga wakaf menjadi fokus utama dalam menjalankan lembaga wakaf untuk mencapai tujuan sosial keagamaannya
Studi Kelembagaan Wakaf Klasik dan Kontemporer Wildana, Muhammad Dandy Alif; Manzilati, Asfi; Syamsuri, Asyila Muthi’ah; Nabilah, Ulfa
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. X | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v1i1.24876

Abstract

Wakaf sebagai salah satu pilar filantropi ekonomi Islam yang memiliki potensi besar dalam memberikan dampak kepada masyarakat melalui berbagai aspek telah terbukti dari masa ke masa. Adanya pertumbuhan teknologi saat ini mendorong inovasi terhadap kelembagaan wakaf yang harapannya dapat mengoptimalkan potensi dana wakaf tersebut. Namun hal itu memerlukan tinjauan lebih dalam terkait perkembangan dan perbedaan pengelolaan lembaga wakaf dalam mengoptimalkan dana dan aset wakaf. Sehingga penelitian ini bertujuan untuk melihat dan membandingkan kelembagaan dari lembaga wakaf klasik dan kontemporer. Penelitian ini menganalisis melalui metode pendekatan studi pustaka dan analisis isi (content analysis). Data yang digunakan dalam penelitian ini adalah data sekunder yang bersumber dari kitab – kitab fikih klasik dan kontemporer, serta jurnal ilmiah dan buku yang relevan dan termutakhir dalam rangka memetakan dan mengkategorikan bagaimanakah struktur kelembagaan dari wakaf klasik dan wakaf kontemporer. Hasil penelitian dari sumber yang didapat adalah, pada lembaga wakaf klasik, tata kelembagaan terbatas pada keterikatan secara informal antara pemberi wakaf dan pengelola aset wakaf. Sedangkan pada lembaga wakaf kontemporer, terdapat inovasi-inovasi yang merupakan lanjutan mengenai hukum-hukum dan implementasi dari pemahaman atas wakaf.
Co-Authors Al Islami, Bima Fikri An'im Kafabih Apriyanto, Rizky Asfi Manzilati Asfi Manzilati Dika Pramana Aditiya Dzaky, Muhammad Raihan Fatihurroyyan, Lalu Muhammad Fisabilillah, Yusminia Fauzyyah M. Umar Burhan Manzilati, Asfi Miftakhul Jannah Muhammad Faruq Nabila, Ulfa Nabilah, Ulfa Nila Furaida Nurrahma Prawatya Pranata, Cahyo Rendi Agung Putri, Chika Avianda Qonitah Rifda Zahirah Rifki As'ad, Achmad Sitanggang, Yohana Damaris Syamsuri, Asyila Muthi'ah Syamsuri, Asyila Muthi’ah Tsumma Lazuardini Imamia Virginia Nur Rahmanti Wicesa, Nayaka Artha Widawati, Exvita