Article Per Year (5 Year)
p-Index From 2021 - 2026
6.073
P-Index
This Author published in this journals
All Journal Jurnal Penelitian Ekonomi dan Bisnis I-Finance Journal Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Perisai : Islamic Banking and Finance Journal Economica: Jurnal Ekonomi Islam Jurnal Riset Keuangan dan Akuntansi (JRKA) Shirkah: Journal of Economics and Business TSAQAFAH Jurnal Tabarru': Islamic Banking and Finance FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Journal of Enterprise and Development (JED) MALIA: Journal of Islamic Banking and Finance Jurnal Ilmu Perbankan dan Keuangan Syariah Ulumuna Etihad: Journal of Islamic Banking and Finance El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Akuntansi'45 Jurnal Ekonomika dan Bisnis Islam Akademika : Jurnal Pemikiran Islam Jurnal Perbankan Syariah Darussalam (JPSDa) AT-TIJARAH: Journal Islamic Banking and Finance Research Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah INASJIF Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan Journal of Management and Innovation Entrepreneurship (JMIE) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Ziswaf Asfa Journal Journal of Development Economics and Digitalization, Tourism Economics (JDEDTE) Jurnal Bisnis Inovatif dan Digital Journal of Finance and Islamic Banking Jurnal Perbankan Syariah Al-bank: Journal of Islamic Banking and Finance Jurnal Kajian Ekonomi dan Perbankan Syariah JPS (Jurnal Perbankan Syariah) International Journal of Islamic Business and Economics (IJIBEC) Jurnal Ekonomi, Manajemen, Akuntansi
Budi Sukardi
Universitas Islam Negeri Raden Mas Said Surakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

Published : 53 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 53 Documents
Search

 2   3   4   5   6 
Sustainability of Indonesian Islamic Banking in terms of Corporate Ethical Identity and Corporate Governance Budi Sukardi; Agung Abdullah; Fuad Dhiya Ul Husaen
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 14, No 2 (2022)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v14i2.11664

Abstract

This study empirically demonstrates efforts to strengthen the performance of identity and corporate governance on the sustainability of Islamic banking in Indonesia, the influence of corporate identity performance on Islamic banking governance in Indonesia, and the influence of the performance of corporate identity and governance on the sustainability of Islamic banking in Indonesia.  This is due to the low social function of Islamic banks in Indonesia towards the sustainability of better business, social, and environmental performance.  Types of quantitative research with an ex post facto research design. The research population of all Islamic banks in Indonesia included BMI, BSI, BMSI, and BSMI samples.  The data were analysed using simple additive weighting techniques by modelling using SEM-PLS techniques. The study's conclusions show that strengthening corporate identity performance and corporate governance towards the sustainability of Islamic banking in Indonesia is carried out with regulations, policies, and Sharia compliance. Corporate identity performance positively and significantly affects Islamic banking governance in Indonesia. A company's management has no effect on the sustainability of Islamic banking in Indonesia. This study provides recommendations from the government as a policy regulator that contributes to the supervision of Islamic banks in Indonesia, especially in the implementation of corporate governance, which includes the ethical performance of companies and the sustainability of Islamic banking in Indonesia by making systematic regulations as a reference for Islamic banks. Islamic banks in Indonesia need to re-reflect on neglected social activities because they prioritise commercial activities too much, thus ignoring social activities which are also at the core of bank activities as intermediary institutions and financial services.
Islamic Social Reporting Factors For The Indonesian Islamic Commercial Banks Budi Sukardi; Widiatmini Widiatmini; Fachrurazi Fachrurazi
JPS (Jurnal Perbankan Syariah) Vol 3 No 1 (2022): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v3i1.479

Abstract

Islamic social reporting as part of the responsibility of Islamic banks in fulfilling Islamic social performance reporting can also be a priority for investors in making investment decisions. The use of the Islamic social reporting Index in the disclosure of company reports aims to fulfill investors' spiritual desires in the form of accountability to Allah. This study aims to determine the effect of firm age, firm size, and profitability on Islamic social reporting disclosure in Indonesian commercial banks. The study used quantitative methods, and the research population used the financial statements of 11 Indonesian Islamic commercial banks registered with the financial services authority (OJK) from 2014 to 2019. The research sample used 5 Indonesian Islamic commercial banks registered with the OJK and published from 2014 to 2019, using a purposive sampling technique. The data analysis technique with panel data was processed using EViews 10. The results showed that company age significantly affected Islamic social reporting disclosures; company size and profitability did not affect Islamic social reporting disclosures. The research has practical implications and contributes to the fulfillment of investor confidence and the accountability of Islamic companies to stakeholders to manage public fund investments according to sharia principles and sharia compliance standards.
UTAUT3 Assessment on Generation Z Muslim QRIS Users to Encourage A Cashless Society in Indonesia Romadhon, Rizki; Sukardi, Budi
MALIA: Journal of Islamic Banking and Finance Vol 8, No 2 (2024): MALIA: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v8i2.29519

Abstract

Technological advances have encouraged the development of digital financial services, including the use of QRIS in Indonesia. Generation Z Muslims, with strong digital skills, play an important role in the transition to a cashless society. This study aims to understand the factors that affect the interest of Generation Z Muslims in using QRIS. The methodology used was a quantitative approach with a purposive sampling technique, involving 323 respondents from Generation Z Muslims in Sesolo Raya and data analysis was carried out using Smart PLS 4.0 with the UTAUT 3 model. The results show that performance expectations, personal innovation, and habits have a significant effect on the behavioral intention of using QRIS, while the price value also has an important impact. Although several other factors did not have a significant effect, this generation proved to be key in driving the adoption of QRIS and accelerating the transition to a cashless society in Indonesia. Behavioral intentions also have a significant effect on usage behavior.
FINANCIAL LITERACY, CUSTOMER TRUST AND INTEREST IN SAVING IN THE CITY OF SOLO RAYA IN INDONESIAN ISLAMIC BANKS Rahmawati, Novita Dina; Sukardi, Budi
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 2 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(2).18758

Abstract

Tujuan dalam penelitian ini adalah mengetahui pengaruh literasi keuangan dan kepercayaan nasabah terhadap minat menabung di bank syariah Indonesia pada masyarakat kota Solo Raya. Penelitian ini menggunakan pendekatan kuantitatif, dimana alat ukur pengumpulan data dengan kuesioner. Populasi dalam penelitian ini adalah masyarakat kota Solo Raya yang berjumlah 6.220.863 jiwa, sedangkan sampel yang digunakan dalam penelitian ini sebanyak 100 responden. Teknik analisis data menggunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa variabel literasi keuangan berpengaruh signifikan terhadap minat menabung di Bank Syariah Indonesia. Hasil uji t diperoleh nilai t-hitung sebesar 8,305 dengan p-value sebesar 0,000 < 0,05 maka H1 diterima yang artinya ada pengaruh yang signifikan dari literasi keuangan terhadap minat menabung. Hasil uji t diperoleh nilai t-hitung sebesar 2,990 dengan p-value sebesar 0,004 < 0,05 maka H2 diterima yang artinya ada pengaruh yang signifikan dari kepercayaan nasabah terhadap minat menabung. Nilai koefisien determinan (R2) sebesar 0,525 yang berarti 52,5% variabel minat menabung dipengaruhi oleh literasi keuangan dan kepercayaan nasabah.
CONVENIENCE, MOTIVATION, OPTIMISM AND RISK IN REALIZING CASHLESS SOCIETY GENERATION Z IN KARANGANYAR REGENCY, CENTRAL JAVA Khoiriyah, Nurul; Sukardi, Budi
El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Vol 5, No 1 (2025): Januari (El-Ecosy: Jurnal Ekonomi dan Keuangan Islam)
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35194/eeki.v5i1.4717

Abstract

ABSTRAKPenelitian ini adalah sebuah pengujian hipotesis yang bertujuan untuk melakukan analisis dan memahami pengaruh kemudahan, motivasi intrinsik, optimisme dan risiko terhadap fenomena masyarakat tanpa uang tunai (cashless society) di kalangan generasi Z di kabupaten Karanganyar. Penelitian ini mengadopsi pendekatan kuantitatif. Populasi yang diteliti adalah generasi Z di Kabupaten Karanganyar, dimana pengumpulan data dilakukan dengan menyebarkan kuesioner kepada 200 responden sebagai sampel. Variabel independen yang dianalisis dalam studi ini mencakup kemudahan, motivasi intrinsik, optimisme, dan risiko, sedangkan variabel dependen adalah cashless society. Penelitian ini mengungkapkan bahwa kemudahan, motivasi intrinsik, optimisme, berperan penting dalam mendorong terciptanya cashless society di kalangan generasi Z di Kabupaten Karanganyar. Sedangkan variabel persepsi risiko tidak memiliki pengaruh yang signifikan terhadap fenomena cashless society di kalangan generasi Z di Kabupaten Karanganyar. Temuan ini memberikan wawasan penting bagi pemangku kepentingan dalam memahami faktor-faktor yang mendorong adopsi sistem pembayaran digital di kalangan generasi muda khususnya generasi Z di Kabupaten Karanganyar. ABSTRACTThis study is a hypothesis testing aimed at analyzing and understanding the influence of ease of use, intrinsic motivation, optimism, and perceived risk on the phenomenon of cashless society among Generation Z in Karanganyar Regency. This research employs a quantitative approach. The population studied consists of Generation Z in Karanganyar Regency, where data collection was conducted through the distribution of questionnaires with a sample size of 200 respondents. The independent variables analyzed in this study are ease of use, intrinsic motivation, optimism, and perceived risk, while the dependent variable is cashless society. This study reveals that ease of use, intrinsic motivation, optimism play an important role in encouraging the creation of a cashless society among generation Z in Karanganyar Regency. Meanwhile, the perceived risk perception variable does not have a significant influence on the cashless society phenomenon among generation Z in Karanganyar Regency. These findings provide important insights for stakeholders in understanding the factors that drive the adoption of digital payments system among the younger generation, especially generation Z in Karanganyar Regency.  
Factor Analysis of Interest in Buying Products on TikTok, Product Reviews, Live Streaming Selling and Discounts Diyah Mulyani; Budi Sukardi
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 1: November 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i1.5982

Abstract

With the emergence of TikTok as a leading platform for commercial activities, understanding the dynamics of consumer behavior in this context has become a necessity for businesses. By examining the interactions between these variables, this research aims to provide insight into the effectiveness of product reviews, live streaming selling, and discounts in shaping consumer interest in TikTok. The population in this study are residents in Solo Raya who own or are TikTok users, and the sample in this study was 300 respondents. This research uses multiple linear regression analysis to determine the factors that influence interest in purchasing products on TikTok, with a focus on product reviews, live streaming sales and discounts. The research results show that all independent variables have a positive and significant effect on buying interest
How are Muslims Interested in Using Sharia Insurance? Empirical Study of Karanganyar Community in Indonesia Jannah, Fadzkhul; Sukardi, Budi
Etihad: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2023)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v3i2.7369

Abstract

Introduction: Indonesia is a densely populated country where most of the population is Muslim. These conditions, such as Sharia insurance, can be an excellent opportunity for the Sharia sector. However, in general, the development of the sharia sector is not as significant as the development of conventional finance. Research Methods: This study is quantitative. Used in this research is the descriptive quantitative method. The number of samples in this study was 83 respondents. Respondents in this study were the Muslim community of Karanganyar. The sampling technique used is probability sampling, namely, giving questionnaires to respondents. The tests used to prove and analyse the data are validity, reliability, classical assumption, model determination, multiple linear regression, F-test, and t-test. Results: This study approves that religiosity, knowledge, income, and promotion positively affect the Muslim community's interest in using Sharia insurance in Karanganyar community, Central Java, Indonesia. Conclusion: Religiosity and promotion positively and significantly affect the Muslim community's interest in using Sharia insurance. Knowledge and income do not positively affect the Muslim community's interest in using Sharia insurance.
Analisis Determinan Financial Distress pada Bank Umum Syariah di Indonesia : Pendekatan Regresi Logistik Biner dengan Data Panel 2016-2024 Imro Atul Luthfiyah; Budi Sukardi
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 3 No. 3 (2025): September: Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v3i3.1973

Abstract

The purpose of this research is to analyze the effect of financial ratios on financial distress in Islamic Commercial Banks in Indonesia. This study uses determinants financial distress that isDebt Ratio (DR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Return On Equity (ROE), and Operating Expenses Operating Income (BOPO). The population of this study is all Islamic Commercial Banks in Indonesia. The sample taken is the quarterly financial reports of Islamic commercial banks for 9 periods, namely the 2016-2024 period using the purposive sampling and using panel data binary logistic regression testing techniques. Based on the research conducted, the results show that Debt Ratio (DR), Non Performing Financing (NPF), Return On Equity (ROE), and Operational Expenses Operating Income (BOPO) have an effect on financial distress. Whereas Financing to Deposit Ratio (FDR) has no effect on financial distress.
Analisis Pengaruh Citra Merek, Suasana Toko, dan Kualitas Produk terhadap Keputusan Pembelian pada Bebek Goreng Pak Ndut Kartasura Mufti Hidayatullah; Budi Sukardi
Jurnal Bisnis Inovatif dan Digital Vol. 2 No. 3 (2025): Juli : Jurnal Bisnis Inovatif dan Digital
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jubid.v2i3.617

Abstract

 This study aims to examine the impact of brand image on purchasing decisions, assess how the store atmosphere affects buying behavior, and evaluate the influence of product quality on purchase choices. The research employs a quantitative approach, targeting consumers who have made purchases at the Bebek Goreng Pak Ndut Kartasura outlet. Sampling was conducted using a non-probability purposive sampling technique. Data were gathered through questionnaires distributed to 160 respondents. The data analysis  performed using IBM SPSS 25 software, the study variables including Brand Image, Store Atmosphere, Product Quality, and Purchasing Decisions. Findings reveal that brand image is affecting purchasing decisions. Similarly, the store atmosphere also has a significant positive impact. Product quality was found to positively and significantly influence consumers' purchase decisions as well. From these results, it can be concluded that improving management of brand image, product quality, and store atmosphere will likely enhance purchasing decisions on Bebek Goreng Pak Ndut Kartasura.
PENGARUH STATUS SOSIAL-EKONOMI TERHADAP ORIENTASI PEMILIH DALAM PEMILIHAN KEPALA DAERAH LANGSUNG DI KABUPATEN BOYOLALI TAHUN 2005 (Studi di Kecamatan Boyolali) Wahyuning Satriasih; Budi Sukardi
Journal of Development Economics and Digitalization, Tourism Economics Vol. 2 No. 3 (2025): Juli
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jdedte.v2i3.2529

Abstract

ABSTRAK Dalam pelaksanaan Pemerintahan Negara Kesatuan Republik Indonesia, Pemilihan Kepala Daerah Langsung menjadi suatu hal penting dalam memilih seorang pemimpin di daerah untuk membentuk suatu pemerintahan daerahyang stabil dan teratur. Mulai tahun 2005 dimulailah Pemilihan Kepala Daerah Langsung dengan mengacu pada sumber perundang-undangan yaitu UU No.32 Tahun 2004 Tentang Pemerintahan Daerah dan PP RI No. 6 tahun 2005 Tentang Pemilihan, Pengesahan, Pengangkatan, dan Pemberhentian Kepala Daerah dan Wakil Kepala Daerah. Orientasi Pemilih masyarakat Kecamatan Boyolali merupakan hal yang layak diperhatikan dalam hubungannya dengan Pemilihan Kepala Daerah Langsung yang diselenggarakan di Kabupaten Boyolali pada tanggal 27 Juni 2005 yang lalu. Dalam suatu masyarakat terdapat kedudukan-kedudukan sosial yang dinamakan dengan status sosial-ekonomi. Sehingga dalam penelitian ini dibahaspermasalahan pengaruh status sosial-ekonomi dan orientasi pemilih dan seberapa besar pengaruh status sosial-ekonomi terhadap orientasi pemilih.Hipotesa dari penelitian ini adalah ada pengaruh antara status sosial-ekonomi terhadap orientasi pemilih dalam Pemilihan Kepala Daerah Langsung di Kabupaten Boyolali. Tipe penelitian yang digunakan adalah deskriptif dengan sampel 96 pemilih di Kecamatan Boyolali. Teknik sampling yang digunakan dalam penelitian ini adalah purposive sampling dengan penarikan sampel dengan menggunakan rumus Frank Lynch. Teknik pengumpulan data dengan menggunakan kuesioner, wawancara dan dokumentasi. Analisa data yang digunakan adalah kuantitatif dan kualitatif. Alat yang digunakan adalah regresi sederhana. Sedangkan pengujian hipotesis dengan menggunakan uji (t-test) dan Koefisien Determinasi. Kata kunci yang digunakan adalah status sosial-ekonomi, orientasi pemilih, dan Pemilihan Kepala Daerah Langsung. Kesimpulan yang dapat diperoleh yaitu terdapat hubungan yang signifikan dan pengaruh positif status sosial-ekonomi terhadap orientasi pemilih. Hasil penelitian menunjukkan bahwa orientasi pemilih masyarakat Kecamatan Boyolali dalam Pemilihan Kepala Daerah Langsung kurang tinggi karena status sosial-ekonomi masyarakat Kecamatan Boyolali masih rendah. Hubungan status sosial-ekonomi terhadap orientasi pemilih sebesar 0,269 dan pengaruh yang ditimbulkan dari status sosial-ekonomi terhadap orientasi pemilih sebesar 7,2 persen, sehingga dapat dikatakan bahwa status sosial ekonomi bukan faktor yang dominan dalam memepnegaruhi orientasi pemilih. Orientasi Pemilih Kecamatan Boyolali memiliki kecenderungan orientasi structural, orientasi religi, orientasi material dan finansial. Saran yang diajukan kepada Masyarakat Boyolali adalah agar menilai kepemimpinan seseorang terutama dalam menilai para calon Kepala Daerah secara rasional, dengan didasarkan pada visi dan misi calon Kepala Daerah serta program kerja yang mereka sampaikan.
Co-Authors Abadi, Muhammad Kurnia Rahman Abdullah, Agung Ahmad Rodoni Alan Nur, Muhammad Annastya Ayu Pramesty Arizah, Putri Aunika, Vita Diyah Mulyani Dwi Surya Atmaja Fachrurazi Febtika Budiya Elsasari Felyna Priyanka Fourika Dela Putriana Fuad Dhiya Ul Husaen Fuad Dhiya Ul Husaen H. Rahmat Hidayat, H. Rahmat Hasyim, Fuad Husaen, Fuad Dhiya Ul Ilya Nur Rahmawati Imro Atul Luthfiyah Isma Wardiana Jannah, Fadzkhul Joko Robi Prasetyo Kurniati , Pratiwi Lalu Agus Satriawan Luluk Mu'afifah Mohammad Albizar Putra Riyadi Mufti Hidayatullah Muhammad Alan Nur Multi, Ariana Sindi Nazifah, Nauroh Novita Sari, Aprillia Nur, Muhammad Alan Nurizal Ismail Nurul Khoiriyah Pramesty, Annastya Ayu Prihantono Puspita Ningrum, Ratih Puspita Sari, Anggi Qulub, Ana Fidatul Rahmawati, Novita Dina Riyani Rizky Ali Wardani Romadhon, Rizki Sari, Anggi Puspita Selsapagita, Indah Supriyanto Supriyanto Susilo, Adib . Wahyuning Satriasih Widiatmini Widiatmini Yuni Astuti