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All Journal Jurnal Sosial Ekonomi Pertanian Among Makarti INFOKAM IJIBE (International Journal of Islamic Business Ethics) Jurnal Manajemen Dayasaing Jurnal Ekonomi Syariah Teori dan Terapan Benefit: Jurnal Manajemen dan Bisnis Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Al Tijarah Khasanah Ilmu - Jurnal Pariwisata Dan Budaya Syntax Literate: Jurnal Ilmiah Indonesia JMM (Jurnal Masyarakat Mandiri) Shirkah: Journal of Economics and Business Magisma: Jurnal Ilmiah Ekonomi dan Bisnis MANAZHIM INTEGRITAS : Jurnal Pengabdian Jurnal Manajemen Universitas Bung Hatta El-Qist : Journal of Islamic Economics and Business (JIEB) Jurnal Ilmiah Wahana Pendidikan Indonesian Journal of Islamic Economics and Business Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Journal of Islamic Economics and Finance Journal of Economic, Business and Engineering (JEBE) Jurnal Pariwisata Indonesia Labatila: Jurnal Ilmu Ekonomi Islam Jurnal Akuntansi dan Keuangan Wadiah : Jurnal Perbankan Syariah Abdi Makarti Priviet Social Sciences Journal Journal of Islamic Economics and Finance Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Shahih : journal of islamicate multidisciplinary Journal of Finance and Islamic Banking Jurnal Manajemen Dayasaing Jurnal Kajian Ekonomi dan Perbankan Syariah BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Yulfan Arif Nurohman
Universitas Islam Negeri Raden Mas Said Surakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Mechanical Engineering Social Sciences Other

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Peran Islamic Green Banking terhadap Sustainable Development Goals di Indonesia Candra Ningluthfi, Arseha; Arif Nurohman, Yulfan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i5.1182

Abstract

Several countries are faced with a trade-off between economic growth and environmental degradation, including Indonesia. This problem then encourages stakeholders to create financial instruments that focus on project funding that is in accordance with the principles of Environment, Social, and Governance (ESG) and Sustainable Development Goals (SDGs). This is in line with sharia banking principles which can be a driving force for economic, social and environmental sustainability. This research aims to discuss the concept of Islamic Green Banking as a new sharia banking paradigm that integrates the roles of Islamic Banking and Green Banking in operational activities and their contribution to achieving Sustainable Development Goals in Indonesia. This research uses a literature review approach by compiling journal articles using Publish or Perish software and analyzing data using content analysis techniques. The result of this research is the concept of Islamic Green Banking which is divided into 5 perspectives, namely (a) Islamic Green Banking from the perspective of Sustainable Development Goals (SDGs) (b) Islamic Green Banking from a Technology perspective (c) Islamic Green Banking from a Green Finance perspective: ( d) Islamic Green Banking from a Company Operational perspective (e) Islamic Green Banking from a Maqasid Syariah perspective. Able to have an impact and contribution to Sustainable Development Goals (SDGs) in Indonesia. This has an impact on various Sustainable Development Goals (SDGs).
Penggunaan Theory Of Planned Behavior Untuk Memprediksi Investasi Emas Di Bank Syariah Winda Ayu Rahmawati; Yulfan Arif Nurohman
WADIAH Vol. 9 No. 1 (2025): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v9i1.1808

Abstract

Penelitian ini bertujuan untuk menganalisis penggunaan theory of planned behavior (TPB) terhadap investasi emas di bank syariah. Masalah utama yang dihadapi adalah kurangnya pemahaman yang memengaruhi nasabah dalam minat untuk keputusan investasi emas di bank syariah. Tujuan penelitian ini adalah untuk mengevaluasi pengaruh sikap, norma subjektif, kontrol, serta pengetahuan investasi dan risiko investasi terhadap investasi emas melalui bank syariah di Solo Raya. Metode analisis yang digunakan adalah metode kuantitatif, pada penelitian ini analisis yang digunakan meliputi : uji validitas dan reliabilitas, uji asumsi klasik, analisis regresi linier berganda dan uji hipotesis yang pengolahan datanya dilakukan dengan bantuan software SPSS 26. Sampel yang digunakan di dalam penelitian sebanyak 100 responden. Hasil penelitian bahwa sikap investasi berpengaruh signifikan terhadap keputusan investasi, dengan nilai signifikan 0,004 < 0,05, kontrol perilaku berpengaruh signifikan dengan nilai 0,031 < 0,05, norma subjektif berpengaruh signifikan dengan nilai 0,045 < 0,05, dan pengetahuan investasi berpengaruh signifikan dengan nilai 0,000 < 0,05 terhadap keputusan investasi. Sedangkan variable risiko investasi tidak berpengaruh signifikan terhadap keputusan investasi dengan nilai 0,857 < 0,05.
Exploring the Impact of Service Quality on Gold Investment Decisions: A Theory of Planned Behavior Approach Isya Ilya, Adventa; Arif Nurohman, Yulfan
Indonesian Journal of Islamic Economics and Business Vol. 10 No. 2 (2025): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v10i2.3789

Abstract

This study aims to analyze the impact of attitude, subjective norm, and perceived behavioral control on Islamic gold investment decisions using the Theory of Planned Behavior (TPB) approach, and to examine the moderating role of service quality among Bank Muamalat Solo Raya customers. Employing an explanatory quantitative method with survey design, data from 150 respondents investing in Solusi Emas Hijrah (SOLEH) products were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). Results reveal that only subjective norm significantly influences investment intention (β = 0.316, p = 0.041), while attitude (β = 0.103, p = 0.347) and perceived behavioral control (β = 0.128, p = 0.474) show no significant effect. Service quality demonstrates a significant direct effect on investment behavior (β = 0.288, p = 0.002) but fails to function as a moderator in all tested hypotheses. Investment intention strongly predicts investment behavior (β = 0.606, p = 0.000), confirming the core TPB proposition. The model explains 46.2% variance in intention and 63.5% in behavior. Findings indicate a dual-path mechanism in Islamic gold investment behavior formation: the first path operates through subjective norm → intention → behavior, and the second through service quality's direct influence on behavior. The study contributes theoretically by demonstrating the need for TPB contextualization in collectivist cultures where social influence dominates over individual psychological factors. Practically, results suggest that Islamic banks should emphasize community-based marketing approaches and maintain high service quality standards to effectively drive actual investment behavior.
LITERASI DAN PENDAMPINGAN SERTIFIKASI HALAL BAGI PELAKU USAHA MIKRO KECIL DAN MENENGAH Suparwi, Suparwi; Kurniawan, Danang; Rahmawati, Ita; Nurohman, Yulfan Arif
JMM (Jurnal Masyarakat Mandiri) Vol 8, No 3 (2024): Juni
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v8i3.23480

Abstract

Abstrak: Sertifikat halal penting bagi pelaku UMKM untuk menjamin dan memastikan bahwa produk yang diproduksi benar-benar halal untuk dikonsumsi. Sertifikasi halal menjadi bagian dari senjata UMKM dalam menembus competitive advantage sehingga mampu berkembang dan bersaing di Tingkat lokal maupun internasional. Undang-undang Nomor 11 Tahun 2020 tentang Cipta Kerja, mewajibkan pelaku UMKM untuk memiliki sertifikat halal bagi produk olahannya. Tujuan utama pengabdian adalah memberikan sosialisasi, pemahaman, pengetahuan dan kemudahan dalam mendaftarkan sertifikasi halal bagi para pelaku usaha di Kabupaten Kudus khususnya UMKM di sekitar kampus IAIN Kudus. Hasil literasi dan pendampingan dari total 30 pelaku usaha hampir 90% belum pernah mengikuti pelatiahan sisanya 10% pernah mendapatkan pelatihan/sosialisasi. Sedangkan pemahaman peserta pasca pelatihan terkait dengan literasi sertifikasi halal yang kami sampaikan 50% memahami, 36,7% kurang memahami dan 13,3% tidak faham. Adapun keinginan mendaftarkan sertifikasi halal pasca kegiatan 56,7% memiliki keinginan, 26, 7% masih ragu-ragu dan sisanya 16,7% belum memiliki keinginan. Dalam memantau keberhasilan kegiatan literasi dan pendampingan sertifikasi halal bagi pelaku UMKM dilakukan pendampingan pasca pelatihan untuk teknis pendaftaran dan syarat mendapatkan sertifikat halal. Evaluasi kegiatan kami lakukan melalui pengisian google form yang sudah kami sediakan. Kegiatan pengabdian Masyarakat yang kami laksankan mendapatkan apresiasi dari peserta dan mengharapkan dilakukan kegiatan.Abstract: Halal certificates are important for MSME players to guarantee and ensure that the products produced are truly halal for consumption. Halal certification is part of MSMEs' weapons in gaining competitive advantage so that they are able to develop and compete at local and international levels. Law Number 11 of 2020 concerning Job Creation requires MSMEs to have halal certificates for their processed products. The main aim of the service is to provide outreach, understanding, knowledge and convenience in registering halal certification for business actors in Kudus Regency, especially MSMEs around the IAIN Kudus campus. Nearly 90% of the literacy and mentoring results from a total of 30 business actors have never attended training, the remaining 10% have received training/socialization. Meanwhile, post-training participants' understanding regarding halal certification literacy, we said, was 50% understanding, 36.7% did not understand and 13.3% did not understand. Regarding the desire to register for halal certification after the activity, 56.7% had the desire, 26.7% were still unsure and the remaining 16.7% did not have the desire. In monitoring the success of literacy activities and halal certification assistance for MSME players, post-training assistance is provided for technical registration and requirements for obtaining a halal certificate. We evaluate our activities by filling in the Google form that we have provided. The community service activities that we carry out receive appreciation from the participants and they hope that the activities will be carried out.
DARI CITRA HALAL MENUJU LOYALITAS EMOSIONAL: STUDI BRAND LOVE DAN BRAND COMMITMENT PADA KOSMETIK HALAL Qurniawati, Rina Sari; Sakinah, Aisyah Nurul; Nurohman, Yulfan Arif
Journal of Economic, Business and Engineering (JEBE) Vol. 7 No. 2 (2026): April
Publisher : Universitas Sains Al Qur'an

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32500/jebe.v7i2.10944

Abstract

Penelitian mengenai hubungan konsumen dan merek dalam industri kosmetik halal umumnya masih berfokus pada konsep brand loyalty, sementara kajian mengenai brand fidelity sebagai bentuk hubungan yang lebih stabil antara konsumen dan merek masih relatif terbatas, khususnya pada konsumen Generasi Z. Oleh karena itu, penelitian ini bertujuan untuk menganalisis pengaruh brand image, brand love, dan brand commitment terhadap brand fidelity dalam konteks penggunaan kosmetik halal. Model konseptual beserta hipotesis yang diajukan diuji menggunakan sampel sebanyak 140 konsumen kosmetik halal. Pengumpulan data dilakukan melalui penyebaran kuesioner daring kepada Generasi Z di Jawa Tengah. Data dianalisis menggunakan pendekatan partial least squares structural equation modeling. Seluruh hipotesis yang diajukan terbukti signifikan secara positif, sehingga mengonfirmasi bahwa Brand Commitment dipengaruhi secara signifikan oleh Brand Image dan brand love. Selain itu, brand love bertindak sebagai determinan penting dalam membentuk Brand Fidelity.
MENINGKATKAN LITERASI KEUANGAN DAN INVESTASI DIGITAL KALANGAN PEMILIK UMKM DI KABUPATEN SUKOHARJO Prastiwi, Septi Kurnia; Astuti, Yuni; Ardiansyah, Mufti Arief; Nurohman, Yulfan Arif; Yahya, Alvin; Mahirta, Irna; Budiharto, Muhammad Akbar Dwi; Anjelisa, Ayun
ABDI MAKARTI Vol 5, No 1 (2026): ABDI MAKARTI
Publisher : Sekolah Tinggi Ilmu Ekonomi AMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/abdimakarti.v5i1.967

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in the Indonesian economy, yet they often face challenges related to financial literacy and limited access to sustainable financial strategies. This community service program aims to improve digital investment literacy and strengthen investment intentions among MSME owners through a structured training and mentoring approach. The program involved MSMEs under the auspices of BMT Mazaya and was implemented using a participatory empowerment method that integrated educational sessions, interactive discussions, practical simulations, and behavioral reinforcement based on the Theory of Planned Behavior. The results showed that the program effectively improved participants' understanding of digital investment concepts and increased their interest in engaging in formal financial instruments. This intervention also contributed to strengthening participants' attitudes, perceived behavioral control, and subjective norms toward investment activities. Specifically, participants demonstrated greater awareness and confidence in exploring stock investment opportunities on the Indonesia Stock Exchange. Furthermore, the integration of mentoring as a follow-up strategy played a key role in bridging the gap between financial knowledge and actual behavioral intentions. These findings highlight that literacy programs combined with ongoing support are more effective in promoting sustainable financial behavior among MSMEs. Overall, this program contributes to improving financial resilience and supporting the long-term sustainability of MSMEs by increasing investment literacy
PENGUATAN KETAHANAN EKONOMI PESANTREN MELALUI PEMBERDAYAAN KEWIRAUSAHAAN BERBASIS HIDROPONIK: PENDEKATAN PENGEMBANGAN KOMUNITAS BERBASIS ASET DI KLATEN, INDONESIA Nurohman, Yulfan Arif; Khoiriyah, Rahmawati; Hasyim, Fuad; Ahzar, Fahri Ali
ABDI MAKARTI Vol 5, No 1 (2026): ABDI MAKARTI
Publisher : Sekolah Tinggi Ilmu Ekonomi AMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/abdimakarti.v5i1.962

Abstract

Indonesia is the country with the largest Muslim population globally and has over 40,000 Islamic boarding schools (pesantren). However, most of these schools face challenges in financial management and economic sustainability. This study, however, examines the strategic role of Islamic boarding schools in providing Islamic education to the community. This study conducted an economic empowerment program for Islamic boarding schools through hydroponic entrepreneurship training to strengthen their economic resilience. The program was implemented at Islamic boarding schools in Klaten using an Asset-Based Community Development (ABCD) approach. This approach emphasizes the importance of local assets and active participant involvement. The program consisted of four stages: needs assessment, participatory planning, entrepreneurship training, mentoring, and outcome evaluation. These activities were supported by observation, interviews, and participant evaluation methods to adjust the community service program. Findings indicate an increase in students' entrepreneurial knowledge, technical skills, and economic awareness after participating in the program. The learning provided hands-on experience in hydroponic practices, increasing engagement and facilitating the development of entrepreneurial competencies. Mentoring ensured the program met its targets and determined its sustainability. The results of this study highlight that integrating entrepreneurship education with locally adaptable practical innovations can foster sustainable economic models in religious educational institutions, positioning Islamic boarding schools as agents of inclusive economic development.
Immersed to buy: The mediating effect of flow experience on impulsive buying in TikTok live streaming Qurniawati, Rina Sari; Nurohman, Yulfan Arif; Saputra, Riyan
Priviet Social Sciences Journal Vol. 6 No. 5 (2026): May 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v6i5.1649

Abstract

Impulsive purchasing tendencies among Generation Z are increasingly shaped by live streaming commerce, which combines promotional incentives, entertainment, and real-time interaction into a digital shopping experience. This study examines the psychological mechanisms underlying impulsive buying behavior among Gen Z consumers in the context of TikTok Live. Using a quantitative survey approach, data were collected through purposive sampling from Generation Z consumers in Salatiga and Semarang who actively watch and shop through TikTok Live. Primary data were gathered using a digital survey and analyzed using PLS-SEM to test the structural relationships in the research model. The findings show that social presence does not directly influence impulsive buying behavior, whereas sales promotion has a significant, direct, and positive effect. However, both social presence and sales promotion significantly affect impulsive buying through the flow experience. Flow experience fully mediated the relationship between social presence and impulsive buying and partially mediated the relationship between sales promotion and impulsive buying. This indicates that immersion, enjoyment, and focused attention during live-streaming sessions increase consumers’ tendency to make spontaneous purchases. This study highlights flow experience as a critical mediating mechanism in Gen Z’s impulsive buying behavior on TikTok Live. The findings suggest that experiential immersion matters more than social cues alone, while sales promotion continues to exert a direct persuasive influence beyond its experiential effect. The main contribution of this study lies in showing that social and promotional stimuli influence impulsive buying differently: social presence requires full experiential mediation, whereas sales promotion retains an independent and direct pathway. These findings enrich the consumer behavior literature by clarifying the conditions under which flow mediates impulsive buying in live streaming commerce. Practically, sellers and content creators should prioritize immersive and engaging live-streaming experiences, while policymakers and researchers should consider experiential factors when examining consumer behavior on emerging social commerce platforms.
Pengaruh Tata Kelola, Efisiensi, Manajemen Risiko dan Kinerja terhadap Keberlanjutan BUS Indonesia Laileny Tulus Karomah; Yulfan Arif Nurohman
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.10808

Abstract

Indonesian Islamic banking has undergone strategic consolidation through the establishment of Bank Syariah Indonesia (BSI), which controls 46% of the market share with assets of Rp 351.9 trillion as of December 2024. This study analyzes the influence of corporate governance, operational efficiency, risk management, and financial performance on the business sustainability of Islamic Commercial Banks (BUS) during the 2021-2024 period using Legitimacy Theory and Triple Bottom Line as theoretical foundations. The quantitative research method with a causal comparative approach employs Partial Least Square-Structural Equation Modeling (PLS-SEM) on 10 BUS with 40 panel data observations processed using SmartPLS 3.0. Results indicate the model has excellent predictive capability (R² = 0.900; Adjusted R² = 0.889). Operational efficiency has a significant positive effect on business sustainability (β = 1.045; t = 2.452; p = 0.015) with a very large effect size (f² = 4.330), making it the most dominant factor. Corporate governance (β = -0.053; p = 0.541), risk management (β = -0.120; p = 0.336), and financial performance (β = 0.210; p = 0.484) show no significant effect. Findings indicate that BUS business sustainability is more determined by operational efficiency than profitability, with the post-merger transition period requiring adaptation time for governance impact optimization. Strategic implications direct BUS management to accelerate digitalization and resource optimization to achieve optimal economies of scale and strengthen the competitiveness of the national Islamic banking industry.
Co-Authors Adjil Izzii Agus Setiawan Ahmad Indarta Aisyah Aisyah Aisyah Nurul Sakinah Alif Waluyo Alifka Farisa Putri Alvin Yahya Anggraini, Vivin Puji Anjelisa, Ayun Ardiansyah, Mufti Arief Armida Sari Lubis Aulia Fatharani Budiharto, Muhammad Akbar Dwi Candra Ningluthfi, Arseha Danang Kurniawan Devi Narulitasari Dewi Wulansari Dhandy Rachmat Andreyan Dhandy Rachmat Andreyan Fahri Ali Ahzar Fatharani, Aulia Fuad Hasyim Hasyim, Fuad Imronudin, Imronudin Indah Setiyo Rukmi Indriastuti, Adelia Isya Ilya, Adventa Khoirunnisa, Kholifatun Laileny Tulus Karomah Lina Ayu Safitri Mahirta, Irna Melia Kusuma Muhammad Sholahuddin Muzakar Isa Nur Wicaksono Permadi, Dina Trifiana Pratama, Andira Putri Putra, Ircham Suwarsang Rahmawati Khoiriyah Rina Sari Qurniawati Rina Sari Qurniawati, Rina Sari Riyan Saputra, Riyan Rukmi, Indah Setiyo Sakinah, Aisyah Nurul Septi Kurnia Prastiwi Suparwi Suparwi Suparwi Suryana, Alean Kistiani Hegy Susanti, Nani Irma Waluyo Waluyo Waluyo Waluyo Waluyo, Alif Winda Ayu Rahmawati Yuni Astuti