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All Journal Jurnal Penelitian Ekonomi dan Bisnis I-Finance Journal Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Jurnal Ilmiah Peuradeun 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 Jurnal Manajemen Bisnis dan Keuangan 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) Multazam : Jurnal Manajemen Haji dan Umrah 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 JISEF : Journal Of International Sharia Economics And Financial Journal of Management and Innovation Entrepreneurship (JMIE) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Maps (Manajemen Perbankan 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 Journal of Islamic economics Perspectives (JIEP) Iqtishadia: Jurnal Ekonomi dan 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

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Digital Confidence Beyond Profit: How Self-Efficacy And Perceived Authenticity Override Risk Preferences In Muslim Generation Z's Sharia Investment Motivation In Surakarta Aulia Nisrina, Fida; Sukardi, Budi
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 7 No. 2 (2025): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v7i2.6806

Abstract

along with growing financial awareness and Islamic values, but their actual participation in the Islamic stock market remains relatively low compared to their demographic potential. This study aims to analyze the influence of self-efficacy, risk preference, and perceived authenticity on Islamic stock investment motivation, with attitude as a mediating variable among Generation Z Muslims in Surakarta City. This study used a quantitative method with an associative approach. Data were obtained from 194 respondents through an online questionnaire using a five-point Likert scale and analyzed using Structural Equation Modeling-Partial Least Square (SEM-PLS). The results showed that self-efficacy, perceived authenticity, and attitude had a significant positive effect on Islamic stock investment motivation, while risk preference had no significant effect. Attitude was proven to mediate the relationship between self-efficacy and perceived authenticity with Islamic stock investment motivation. These findings confirm that self-confidence and perceived product authenticity are more dominant than risk aversion in shaping investment motivation. The research implications emphasize the importance of increasing self-efficacy and perceptions of authenticity through transparency, halal certification, and digital education to increase Generation Z participation in sharia stock investment.
Experiential Marketing's Impact on Customer Loyalty Through Satisfaction : Evidence from Bank Syariah Indonesia Amara, Afrida Nurfaizah; Sukardi, Budi; Al Amin, Nur Hidayah
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 2 (2026)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i2.1926

Abstract

The development of the Islamic banking industry in Indonesia has triggered intense competition, requiring Islamic banks to innovate in their marketing strategies to maintain customer loyalty. This study examines the effect of experiential marketing (dimensions of sense, feel, think, act, and relate) on customer loyalty at Bank Syariah Indonesia (BSI), with customer satisfaction as an intervening variable. The study used a quantitative cross-sectional design on 100 active customers of BSI Karanganyar Branch, selected through stratified random sampling. Primary data were collected via a structured questionnaire with a 5-point Likert scale, analyzed using multiple linear regression and path analysis to test direct and indirect effects. The results show that experiential marketing simultaneously has a significant effect on customer satisfaction and loyalty. Customer satisfaction proved to be a strong mediator in this relationship, with the dimensions of think, act, and relate showing a dominant influence. These findings confirm the mediation mechanism of satisfaction in building loyalty in the context of Islamic banking. The study recommends that BSI strengthen creative thinking experiences, positive habit formation, and emotional connections to maximize satisfaction and long-term loyalty.
Commercial and social activities of Indonesian Islamic banks: do they relate? Budi Sukardi; Muhammad Alan Nur; Fachrurazi Fachrurazi; Fuad Dhiya Ul Husaen; Eko Asmanto
Journal of Enterprise and Development (JED) Vol. 4 No. 2 (2022): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v4i2.5584

Abstract

Purpose — This study investigates the relationship between commercial and social activities in Indonesian Islamic banks.Method — This study employed a Panel Vector Error Correction Model (PVAR) model with Impulse Response Function (I.R.F), Variance Decomposition (V.D.C), and Granger Causality. Observations were conducted from 2010 to 2020 on eight Islamic banks in Indonesia, representing 72.72 percent of the total Islamic banking population in Indonesia. The collecting of data pertains to the yearly financial report. Social activities are based on the amount of zakat fund distribution (ZKT) and benevolence fund distribution (DKB). Commercial activities are based on Islamic banking financial ratios that are proxied by Return on Assets (ROA), Financing to Deposit Ratio (FDR), and Non-Performing Financing (NPF).Result — The results showed that social activities in Indonesian Islamic banks are influenced by their commercial activities, but it does not apply vice versa. In other words, there is a one-way relationship between commercial and social activities in Indonesian Islamic banks.Contribution — This study contributes by studying the relationship between commercial and social activities by using the PVAR model with the analysis of Impulse Response Function (I.R.F), Variance Decomposition (V.D.C), and Granger Causality which so far have not been explored.
Citra Universitas dan Bauran Pemasaran Islam terhadap Keputusan Mendaftar di Perguruan Tinggi Iman Maulana, Nurul; Sukardi, Budi
Jurnal Manajemen Bisnis dan Keuangan Vol 7 No 1 (2026): April 2026
Publisher : https://jurnal.binamandiri.ac.id/

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51805/jmbk.v7i1.387

Abstract

This study was motivated by the low number of student enrollments at STEBIS Bina Mandiri in 2023, which reached only 274 students—far below the target of 500—despite various traditional promotional strategies. The research aims to examine the influence of institutional image and elements of the Islamic marketing mix—including fair pricing, Islamic environment, ethical promotion, and human resource quality—on students' enrollment decisions. Using a quantitative approach with a causal design, the study involved 247 active students as the population, with samples selected purposively using the Slovin formula. Data were collected through questionnaires and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results show that institutional image and Islamic campus environment have a positive and significant influence on enrollment decisions, while fair pricing, ethical promotion, and human resources do not show significant effects. These findings indicate that institutional reputation and the Islamic atmosphere of the campus are key factors in attracting prospective students.
The Paradox of High Transaction Costs in Islamic Banks: Indonesian Regulations and Policies Sukardi, Budi
Journal of Islamic Economics Perspectives Vol. 8 No. 1 (2026): Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/j1zs9t71

Abstract

Despite functioning on ideals of fairness and risk-sharing, Indonesian Islamic banks suffer a paradox: high transaction costs. This problem stems from operational inefficiencies, as seen by high BOPO and OER ratios, regulatory fragmentation within the dual banking system, and coordination difficulties among supervisory bodies. Previous studies have focused on the financial performance factor in a limited way but have yet to combine regulatory policy analysis with operational efficiency within a complete framework. The purpose of this research is to examine the influence of regulatory inconsistencies and banking policies on the high transaction costs of Indonesian Islamic banks using a descriptive qualitative technique and a literature review. The findings indicate that the BOPO ratio, which ranges from 89.37% to 94.16%, is the primary cause of the high transaction costs, which are exacerbated by overlapping supervision between the Sharia Supervisory Board, the Bank's Sharia Compliance Directorate, and the Financial Services Authority, resulting in inefficiencies and legal risks. This study helps improve the understanding of how to make Islamic banking more efficient by highlighting the need for better regulations, stronger Sharia governance, and including Maqashid Sharia principles in policies to lower transaction costs and boost the competitiveness of Indonesian Islamic banks.
Pengaruh Kemudahan, Kemanfaatan, dan Keamanan Terhadap Keputusan Transaksi Menggunakan QRIS: Studi Masyarakat Solo Raya Ilya Nur Rahmawati; Budi Sukardi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): 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.v7i1.5441

Abstract

Current developments in the field of industrial technology encourage people to get used to using digital transactions, which are often called financial technology (fintech). This research aims to find out how convenience influences the decision to use digital money (QRIS), how usefulness influences the decision whether to use digital money (QRIS), and how security influences the decision to use digital money (QRIS). The population in this study was the Solo Raya community, questionnaires were distributed to 150 respondents. The data was tested using respondent descriptions, evaluation of the outer model, and evaluation of the inner model. The findings show that usefulness and safety have a significant influence on the decision to use QRIS. However, convenience does not influence the decision to use QRIS.
Penerapan Gaya Kepemimpinan Transformasional dalam Meningkatkan Kinerja Karyawan di KSPPS NU Sejahtera: Studi Deskriptif Isma Wardiana; Budi Sukardi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 11 (2025): 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.v7i11.9175

Abstract

                This study aims to describe the application of transformational leadership and its contribution to improving employee performance at KSPPS NU Sejahtera. The study employed a qualitative approach with a descriptive approach, conducted through in-depth interviews, non-participatory observation, and documentation of managers and marketing staff. The results indicate that the four dimensions of transformational leadership according to Bass and Avolio idealized influence, inspirational motivation, intellectual stimulation, and individualized consideration have been consistently applied in this cooperative's work environment. Despite challenges during the leadership transition in 2022, the new leaders successfully established open communication, clearly communicated the organization's vision, and demonstrated concern for employees. Consequently, employee morale and performance have improved, reflected in indicators of quality, quantity, resilience, and work attitude. Institutionally, this is demonstrated by the cooperative's revenue growth, reaching IDR 860 billion in 2024, network expansion, and strategic partnerships with national and international institutions. These findings reinforce the relevance of transformational leadership as an effective managerial strategy for improving the performance and sustainability of Sharia-compliant organizations.
TRANSPARANSI KONTRAK, KEPATUHAN SYARIAH, DAN BANTUAN BISNIS SEBAGAI PENDORONG KEPUASAN WIRAUSAHA MIKRO DI PERBANKAN ISLAM INDONESIA Budi Sukardi
JISEF : Journal Of International Sharia Economics And Financial Vol 5 No 1 (2026): JISEF : Journal Of International Sharia Economics and Financial
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/jisef.v5i1.2429

Abstract

This study aims to analyze the impact of integrating contract transparency, authentic Sharia compliance, and business assistance programs on the satisfaction levels of micro-entrepreneurs in the Indonesian Sharia banking sector. Utilizing a deep thematic library research method, this analysis synthesizes empirical data from banking performance reports and literature to evaluate the effectiveness of services for the micro-sector. The research results indicate that contract transparency significantly reduces information asymmetry, while Sharia compliance acts as an ethical filter that builds spiritual loyalty. Business assistance programs, particularly those integrating Islamic leadership values, are proven to be catalysts for scaling up micro-enterprises. The synergy of these three factors, supported by fintech and blockchain innovations, creates a sustainable financial inclusion model. The implications of this study emphasize the importance for Sharia financial institutions to shift from being mere capital providers to strategic partners in developing an inclusive and equitable national halal ecosystem.
PRICING AND SERVICE PERSONNEL (PEOPLE) IN SHAPING PUBLIC INTENTION TO USE HAJJ SAVINGS AT BANK SYARIAH INDONESIA Andan Sindia Putri; Budi Sukardi
Multazam : Jurnal Manajemen Haji dan Umrah Vol. 6 No. 1 (2026): Multazam: Jurnal Manajemen Haji dan Umrah
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/multazam.v6i1.13145

Abstract

Hajj savings are an important financial instrument for Indonesian Muslims in preparing for the Hajj pilgrimage. This study examines the influence of the 7P marketing mix, namely product, price, place, promotion, people, process, and physical evidence, on public intention to use Hajj savings at Bank Syariah Indonesia (BSI). A quantitative approach was employed using a cross-sectional survey involving 97 respondents from Sembukan Village, Wonogiri Regency and Central Java. Data were analyzed through multiple linear regression after validity, reliability and classical assumption tests. The results indicate that price and people have significant positive effects on public intention to use Hajj savings. Price produced a regression coefficient of 0.279 (p = 0.004), while people produced a coefficient of 0.352 (p = 0.009). Simultaneously, all variables explained 65.5% of the variance (F = 28.229, p <  0.001, Adjusted R² = 0.655). In contrast, product, place, promotion, process and physical evidence showed no significant partial effects. The findings suggest that fair pricing and quality service personnel play important roles in strengthening customer trust and encouraging the adoption of Hajj savings at Bank Syariah Indonesia.
Donation Intention and Behavior in Indonesian Digital Crowdfunding: Integrating Social Presence and Interpersonal Behavior Theories Budi Sukardi; Rizky Nur Ayuningtyas Putri; Rahmat Hidayat; Dhiya Ul Husaen
Jurnal Ilmiah Peuradeun Vol. 14 No. 2 (2026): Jurnal Ilmiah Peuradeun
Publisher : SCAD Independent

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26811/peuradeun.v14i2.1217

Abstract

The rapid digitalization of Islamic social finance has transformed philanthropic practices, particularly through digital crowdfunding platforms that mediate zakah, infaq, sadaqah, and waqf donations. Despite technological advancement, donor participation in digital channels remains uneven, indicating a persistent gap between intention and actual donation behavior. This study examines the determinants of donation intention and behavior on Indonesian digital crowdfunding platforms by integrating the Theory of Interpersonal Behavior (TIB) and Social Presence Theory (SPT). Using a quantitative cross-sectional survey of 440 active donors across four major Indonesian cities and analyzing the data with SEM-PLS, the study investigates the roles of motivational, relational, and contextual factors. The findings show that attitude, affection, social factors, and religiosity significantly influence donation intention, while intention and trust are the primary drivers of actual donation behavior. Social presence, facilitating conditions, and habits do not exert direct effects on behavior; however, facilitating conditions significantly strengthen the intention–behavior relationship. These results highlight that digital donation behavior is shaped not only by technological access but also by emotional engagement, social embeddedness, and institutional trust. By clarifying the moderating role of facilitating conditions, this study contributes to a more comprehensive understanding of digital philanthropy and offers insights for developing sustainable, trustworthy, and context-sensitive crowdfunding platforms in Muslim-majority societies.
Co-Authors Abadi, Muhammad Kurnia Rahman Abdullah, Agung Ahmad Rodoni Al Amin, Nur Hidayah Alan Nur, Muhammad Amara, Afrida Nurfaizah Andan Sindia Putri Annastya Ayu Pramesty Arizah, Putri Aulia Nisrina, Fida Aunika, Vita Dhiya Ul Husaen Diyah Mulyani Dwi Surya Atmaja Fachrurazi Febtika Budiya Elsasari Felyna Priyanka Fourika Dela Putriana Fuad Dhiya Ul Husaen Fuad Dhiya Ul Husaen Fuad Dhiya Ul Husaen H. Rahmat Hidayat, H. Rahmat Hasyim, Fuad Husaen, Fuad Dhiya Ul Ilya Nur Rahmawati Iman Maulana, Nurul 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 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 Putri, Daneza Dhea Ananda Qulub, Ana Fidatul Rahmat Hidayat Rahmawati, Novita Dina Riyani Rizky Ali Wardani Rizky Nur Ayuningtyas Putri Romadhon, Rizki Sari, Anggi Puspita Selsapagita, Indah Supriyanto Supriyanto Susilo, Adib . Wahyuning Satriasih Widiatmini Widiatmini Yuni Astuti