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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 Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam 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 Journal of Islamic Economics and Finance Studies Ulumuna Jurnal Manajemen Bisnis dan Keuangan Invest Journal of Sharia & Economic Law Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) 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 Journal of Islamic Economic Laws 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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Determinants of DANA E-Money Adoption in Semi-Urban Indonesia: The Interplay of Security, Service Features, Ease of Use, and Trust Dewi Audry In Pratiwi; Budi Sukardi
Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Vol 6 No 2 (2026): Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) - September 2026
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/jimpa.v6i2.852

Abstract

This study investigates how perceived ease of use, service features and security shape intention to use DANA e‑money in Karanganyar Regency, a semi‑urban area in Central Java, Indonesia. Digital payment adoption in such settings is increasing, yet user intention remains influenced by trust, security concerns, infrastructure and user readiness. A quantitative survey was conducted with 100 DANA users aged 17 years and above selected through purposive sampling. Data were collected using a five‑point Likert questionnaire and analyzed using multiple linear regression in SPSS after validity, reliability and classical assumption tests. The results show that ease of use, service features and security each have a positive and significant effect on intention to use DANA, both partially and simultaneously, with an adjusted R2 of 0.694. Security emerges as the strongest predictor, followed by service features and ease of use, indicating that perceived protection is more decisive than convenience and functionality in this semi‑urban digital payment context. The study contributes regency‑level evidence to the digital payment literature and clarifies the relative importance of usability‑ and security‑related perceptions in e‑money adoption. Practically, the findings suggest that providers should prioritize visible security safeguards, relevant and integrated service features and simple interfaces to support safe and inclusive cashless transactions in similar regions.
When Religious Signals Backfire: Consumer Apriorism and the Buffering Role of Itqan in Sharia Retail Fuad Hasyim; Ririn Tri Ratnasari; Siti Zulaikha; Cita Sary Dja'akum; Budi Sukardi; Nadhirah Nordin
Journal of Islamic Economic Laws Vol. 9 No. 02 (2026): July
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v9i02.17279

Abstract

This study examines the impact of religious signaling on Sharia retail through the identity-service paradox. Adopting a quantitative explanatory design and PLS-SEM analysis of 251 Muslim consumers in Indonesia, the study investigates the mediation-moderation model that connects Sharia-branded identity, consumer apriorism, perceived Itqan, and retail sustainability. The findings reveal that Sharia-branded identity considerably enhances consumer apriorism, a pre-evaluative cognitive bias that significantly undermines retail sustainability. A religious signal does not necessarily boost trust pervasively, but can bolster suspicion when considered at odds with certain expectations around performance. This finding further demonstrates that perceived Itqan represents operational excellence, and thus mitigates apriorism by restoring the credibility of religious signals. Mediation analysis confirms that the relationship between Sharia-branded identity and retail sustainability partly operates through consumer apriorism, whereas moderation analysis underscores the contingent role of perceived Itqan as perceived operational excellence. This study extends signaling theory by proposing a nonlinear, performance-contingent process in which the credibility of religious identity depends on cognitive assessment and observable operational capability. The results hold implications for the implementation of competence-driven religious branding in competitive retail settings.
Transforming Mosque Sustainability: Leveraging Islamic Economics and Finance for Community Empowerment Rahmat Hidayat; Ahmad Rodoni; Budi Sukardi; Fachrurazi; Eko Asmanto; Nurizal Ismail
Economica: Jurnal Ekonomi Islam Vol. 16 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2025.16.2.28314

Abstract

This research focuses on the shift in mosque empowerment models, particularly in terms of financial sustainability, rooted in Islamic economics and finance. By exploring the correlation of Islamic economics (Y), Islamic finance (Y), and mosque sustainability (Z), this research can utilize the mixed method approach of quantitative analysis to survey 200 congregation members, conduct in-depth interviews with five key informants, and employ PLS-SEM. This is the first mosque sustainability performance study to provide a quantitative analysis, along with PLS-SEM, and to correlate finance and economics in the Islamic context. Findings indicate that Islamic finance intermediates the influence of Islamic economics on mosque sustainability (indirect β=0.527; p<0.001). Islamic economics is explained to have a considerable direct influence on Islamic finance (β=0.782; p<0.001) as well as Islamic finance being the greatest contributor to mosque sustainability (β=0.673; p<0.001). This research affirms the four-dimensional sustainability pillar and the anticipation of mosque management to respond to the SDGs. This provided strong financial governance, partnership with Islamic banking, trained financial governance, and Islamic financial literacy courses.
DEVELOPING AN INTEGRATED PRODUCTIVE ZAKAT EMPOWERMENT FRAMEWORK FOR MUSTAHIK SELF-RELIANCE: A CASE STUDY OF BAZNAS SUKOHARJO Risang Pamungkas; Budi Sukardi
Ad Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 10 No 02 (2026): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v10i02.10748

Abstract

Productive zakat is increasingly recognized as a strategic instrument of Islamic social finance for poverty alleviation and sustainable economic empowerment. However, previous studies have generally focused on program effectiveness based on economic outcomes or examined empowerment components separately, while integrated frameworks explaining the relationships among these components in fostering mustahik self-reliance remain limited. This study aims to analyze productive zakat implementation, identify factors influencing mustahik self-reliance, and develop an Integrated Productive Zakat Empowerment Framework based on empirical evidence from BAZNAS Sukoharjo Regency. A qualitative case study was conducted through in-depth interviews, observations, and document analysis. Data were analyzed using the interactive model of Miles, Huberman, and Saldaña and concept analysis based on Rodgers and Walker and Avant. The findings show that mustahik self-reliance develops through the interaction of beneficiary assessment, need-based productive capital, entrepreneurial capacity development, continuous business mentoring, spiritual empowerment, institutional and market networking, and sustainability-oriented monitoring and evaluation. Institutional commitment, mustahik motivation, mentoring quality, stakeholder collaboration, and the business environment also influence this process. The study’s novelty lies in integrating previously fragmented components into a coherent framework that explains their functional relationships in fostering mustahik self-reliance, positioning productive zakat as a sustainable empowerment process rather than merely capital distribution.
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.
E-Servqual Digitalization Of Islamic Banks And Customer Retention In Surakarta Annastya Ayu Pramesty; Budi Sukardi
Al-bank: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024): January - June 2024
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v4i1.10754

Abstract

This study aims to determine the effect of banking digitalization service quality on customer loyalty of Islamic banks in Surakarta city. This type of research is quantitative research with a sample of 100 bank customers who use Islamic bank digital services, using primary data obtained through direct distribution of a questionnaire with a Likert scale, the data is processed using multiple linear regression analysis. The research proves that efficiency, reliability, fulfillment, privacy, responsiveness has no significant effect on customer retention in using bank digital services, as evidenced by the statistical value of each variable, namely 0.763, 0.727, 0.083, 0.225, 0.093 greater than 0.05. Contact has a positive and significant effect on customer retention in the use of digital banking services with a statistical value of 0.012 less than 0.05. This research has implications for strengthening strategies and services in the use of digital FinTech by Islamic banks in Indonesia
THE EFFECT OF ASSET-LIABILITY MANAGEMENT ON SHARIA BANK PERFORMANCE Nauroh Nazifah; Budi Sukardi
I-Finance Journal Vol 9 No 2 (2023): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v9i2.17629

Abstract

The purpose of this study was to determine the health level of Bank Muamalat Indonesia (BMI) and Bank Syariah Indonesia (BSI) and to determine the difference in the health level of Bank Muamalat and Bank Syariah Indonesia. The population in this study were BSI and BMI, the sample used BSI and BMI quarterly financial report data from 2015-2022. The analysis technique uses multiple linear regression analysis and independent sample t-test. At BMI, the CR and CAR ratios have no effect on ROA, only the BOPO ratio has an effect on ROA. Then at BSI, the CR and BOPO ratios affect ROA, while the CAR ratio has no effect on ROA. The results of the independent t-test show that there are differences between BMI and BSI on ROA, CR, CAR, and BOPO. The conclusion shows that both in BMI and BSI the CR variable affects ROA and there are differences in performance between BMI and BSI banks where the performance of Bank Syariah Indonesia is better than Bank Muamalat.
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 Cita Sary Dja'akum Dewi Audry In Pratiwi Diyah Mulyani Dwi Surya Atmaja Fachrurazi 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 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 Nadhirah Nordin Nauroh Nazifah Nazifah, Nauroh Novita Sari, Aprillia Nur Hidayah Al Amin Nur, Muhammad Alan Nurizal Ismail Nurizal Ismail Nurul Iman Maulana Nurul Khoiriyah Prihantono Puspita Ningrum, Ratih Puspita Sari, Anggi Putri, Daneza Dhea Ananda Qulub, Ana Fidatul Rahmat Hidayat Rahmawati, Novita Dina Ririn Tri Ratnasari Ririn Tri Ratnasari Risang Pamungkas Riyani Rizky Ali Wardani Romadhon, Rizki Rosita Kusuma Wardani Sari, Anggi Puspita Selsapagita, Indah Sigit Santoso Siti Zulaikha Supriyanto Supriyanto Susilo, Adib . Wahyuning Satriasih Widiatmini Widiatmini Yuni Astuti