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All Journal Jurnal Penelitian Ekonomi dan Bisnis I-Finance Journal Perisai : Islamic Banking and Finance Journal Economica: Jurnal Ekonomi Islam Jurnal Riset Keuangan dan Akuntansi (JRKA) al-Afkar, Journal For Islamic Studies Shirkah: Journal of Economics and Business IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam 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 Invest Journal of Sharia & Economic Law 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 JPS (Jurnal Perbankan Syariah) International Journal of Islamic Business and Economics (IJIBEC) Jurnal Ekonomi, Manajemen, Akuntansi Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
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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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.
The Mediating Role Of Trust In The Relationship Between Religiosity, Financial Literacy, And Intention To Use Islamic Banking Rosita Kusuma Wardani; Budi Sukardi
IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Vol. 17 No. 1 (2026): IQTISHADUNA: Jurnal Ekonomi Dan Keuangan Islam
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The growth of Islamic banking in Indonesia has not fully kept pace with the dominance of the Muslim population, as reflected in the sharp decline in the number of Islamic bank accounts in Surakarta, even though the majority of the population is Muslim. This study aims to analyze the influence of religiosity and financial literacy on the interest in becoming a customer of a sharia bank with trust as a mediating variable in generation Z Muslims in Surakarta. This quantitative-thematic study uses the Theory of Planned Behavior and Commitment-Trust Theory approaches to explain the formation of behavioral intentions and the role of trust in long-term customer-bank relationships. Data were collected through a five-point Likert questionnaire from 400 respondents selected using accidental sampling techniques, then analyzed using SEM‑PLS through SmartPLS 4. The results show that religiosity and financial literacy have a significant positive effect on trust, while the interest in becoming a customer is most strongly influenced by trust, followed by financial literacy, while the direct effect of religiosity is relatively weaker. Trust is proven to significantly mediate the influence of religiosity and financial literacy on interest, so that moral encouragement and new financial capabilities are converted into intentions when generation Z believes in the integrity and sharia compliance of the bank. These findings underscore the importance of an integrated Sharia financial literacy education strategy that enhances the image of Sharia compliance, transparency, and service quality to optimize the market potential of Generation Z in Muslim-majority areas.
The Paradox of High Transaction Costs in Islamic Banks: Indonesian Regulations and Policies Budi Sukardi
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.
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
Citra Universitas dan Bauran Pemasaran Islam terhadap Keputusan Mendaftar di Perguruan Tinggi Nurul Iman Maulana; Budi Sukardi
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.
ESG-Sharia Integration as a Determinant of Stock Performance Superiority: Evidence from the Jakarta Islamic Index 2024-2025 Sigit Santoso; Budi Sukardi
al-Afkar, Journal For Islamic Studies Vol. 9 No. 3 (2026)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v9i3.2406

Abstract

This study aims to analyze the performance of sharia stocks included in the Jakarta Islamic Index (JII) on the Indonesia Stock Exchange during the 2024-2025 period. The phenomenon of sharia capital market growth reaching 22.81% year-to-date in August 2025 demonstrates the crucial role of Islamic principle-based investment in facing global market volatility. Using a quantitative approach, this research evaluates returns, volatility, and factors influencing sharia stock performance through analysis of five selected stocks (BRIS, UNVR, TLKM, ANTM, ADRO) from December 2024 to May 2025. The results indicate that sharia stocks in JII offer competitive returns with varying volatility, where TLKM shows the lowest volatility (8.39%) while ANTM and UNVR exhibit high volatility (21.26% and 29.41%). A surprising finding reveals that sharia stocks with lower volatility do not always provide optimal returns, yet offer superior stability compared to conventional stocks, especially during economic uncertainty. This study contributes a new perspective that integration of sharia compliance with ESG sustainability has proven to enhance long-term financial performance, challenging the conventional view that ethical investment sacrifices profitability. The research implications provide strategic recommendations for investors to diversify portfolios based on risk-adjusted returns, regulators to strengthen the ESG-Sharia framework, and issuers to increase sharia governance transparency to optimize the competitiveness of Indonesia's sharia capital market.
Experiential Marketing's Impact on Customer Loyalty Through Satisfaction : Evidence from Bank Syariah Indonesia Afrida Nurfaizah Amara; Budi Sukardi; Nur Hidayah Al Amin
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.
Co-Authors Abadi, Muhammad Kurnia Rahman Abdullah, Agung Afrida Nurfaizah Amara Ahmad Rodoni Alan Nur, Muhammad Andan Sindia Putri Annastya Ayu Pramesty Arizah, Putri Aulia Nisrina, Fida Aunika, Vita Diyah Mulyani Dwi Surya Atmaja Fachrurazi Febtika Budiya Elsasari Felyna Priyanka Ferdi Arifin Fourika Dela Putriana Fuad Dhiya Ul Husaen Fuad Dhiya Ul Husaen Fuad Dhiya Ul Husaen Fuad Dhiya Ul Husaen Fuad Hasyim 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 Muhammad Alan Nur Multi, Ariana Sindi Nazifah, Nauroh Novita Sari, Aprillia Nur Hidayah Al Amin Nur, Muhammad Alan Nurizal Ismail Nurul Iman Maulana Nurul Khoiriyah Pramesty, Annastya Ayu Prihantono Puspita Ningrum, Ratih Puspita Sari, Anggi Putri, Daneza Dhea Ananda Qulub, Ana Fidatul Rahmat Hidayat Rahmawati, Novita Dina Ririn Tri Ratnasari Riyani Rizky Ali Wardani Romadhon, Rizki Rosita Kusuma Wardani Sari, Anggi Puspita Selsapagita, Indah Sigit Santoso Supriyanto Supriyanto Susilo, Adib . Wahyuning Satriasih Widiatmini Widiatmini Yuni Astuti