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The Effect of Sharia Financial Literature, Government Support and Sharia Fintech on MSME Sustainability Deni Pandu Nugraha; Iffan Ahmad Gufron; Pringgondani Pringgondani; Ilhamdi Ilhamdi
Enrichment : Journal of Management Vol. 12 No. 2 (2022): Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (964.768 KB) | DOI: 10.35335/enrichment.v12i2.406

Abstract

This study aims to formulate the importance of sharia financial literacy and sharia fintech to determine the sustainability of MSMEs which must be supported by appropriate government policies. This will determine the future strategy of MSMEs, in the sustainability of productivity and MSME development by accelerating the acceleration of sharia fintech adoption due to the pandemic-covid situation. In this causal research, data collection was done via online questionnaires to 236 SMEs between April 2021 and November 2021. Data analysis and path modeling was performed using smartPLS 3.0 software. The result shows that sharia fintech and government support have a direct influence on the sustainability of MSMEs. This indicates that an increase in the use of sharia fintech will increase the sustainability of MSMEs and government support can increase sustainability by making direct policies for MSME sustainability and indirect policies by increasing sharia fintech, meanwhile financial literacy sharia does not have a direct effect on the sustainability of MSMEs but has an indirect effect by increasing the use of sharia fintech.
THE EFFECT OF ENTERPRISE RESOURCE PLANNING IN INCREASING FIRM’s VALUE Deni Pandu Nugraha; Ervina Janis; Bisri Bisri
Jurnal Ekonomi dan Manajemen Vol 16 No 1 (2022): Jurnal Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Kalimantan Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30650/jem.v16i1.2238

Abstract

This study analyzes the effect of Net Profit Margin, Total Asset Turnover, and Enterprise Resource Planning on firm’s value. And examine the influence of Enterprise Resource Planning in moderating Net Profit Margin and total asset turnover on a firm's value. The data used in this research is panel data. The sampling technique used was purposive sampling in totaling 23 state-owned companies listed on the Indonesian Stock Exchange for 2015-2019. The results showed that Net Profit Margin and Enterprise Resource Planning have a significant effect on firm value. Total Asset Turnover does not affect firm value. Enterprise Resource Planning is also unable to moderate the relationship between Net Profit Margin and firm value. Meanwhile, Enterprise Resource Planning moderate positively the relationship between total asset turnover and firm value.
The Effect Of Zakat On Indonesia's Social Capital Irhamsyah Putra; Deni Nugraha; Muhammad Abdul Ghani Fakih
Enrichment : Journal of Management Vol. 12 No. 3 (2022): August: Social Science, Economics
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1299.178 KB) | DOI: 10.35335/enrichment.v12i3.656

Abstract

The purpose of this paper is to empirically analyze the effect of national zakat collection on the strength of the social capital of Indonesia. This research uses simple linear regression with time series data in annual form. The sample in this study is a saturated sample, which means that the entire population is the sample of this study. The data taken is secondary data taken from the National Zakat Statistics issued by BAZNAS and the Global Sustainable Competitiveness Index (GSCI) report issued by SolAbility. The results of the study show that there is a significant influence between the collection of national zakat on the social capital of Indonesia.
What Drives Individual to Adopt Fintech: Extended TAM Model with Gender as Moderating Variable Budi Setiawan; Nugraha Deni Pandu; Amanj Mohamed Ahmed; Emilda Emilda; Robert Jeyakumar Nathan
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 10 No 1 (2023): June
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v10i1.35081

Abstract

Access to financial services is pivotal in improving welfare, reducing poverty, and accelerating financial inclusion in the emerging nation. This study analyzes the factors that drive consumer adoption of fintech by extending the TAM model with financial literacy and government support, as well as gender as moderating variable. Data was collected from 397 respondents in Indonesia and analyzed using SmartPLS 3.0. The result shows that perceived usefulness, ease of use, financial literacy, and government support significantly affect the adoption of fintech. The moderation analysis reveals that men perceive usefulness as more important for fintech adoption and ease of use for women.
Global Risk Factors and Macroeconomic Conditions Affect Jakarta Islamic Index (JII): Evidence from Indonesia Siti Syavinatul Husnah; Deni Pandu Nugraha; Sofyan Rizal
Maliki Islamic Economics Journal Vol 2, No 1 (2022): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (281.806 KB) | DOI: 10.18860/miec.v2i1.16615

Abstract

This study aims to analyze three things, namely analyzing the causality relationship between variables. Analyze the short-term relationship between macroeconomic variables with JII Stock Price and Trade Volume and analyze the long-term relationship between macroeconomic variables with JII Stock Price and Trade Volume. The sample used is the JII30 Index and the trading volume from JII 30 from 2008-2020. The results of this study indicate three things, firstly it is found that several variables have a causal relationship in either one or two directions, then from testing the short-term effect it is found that only the oil price variable has a significant effect on JII while other variables do not, while the short-term effect test It was found that all macroeconomic variables had no significant effect on volume. Finally, from the long-term test results, only the Inflation variable has no significant effect on the JII variable in the long term, while only the BI Rate and Inflation variables have no significant effect on trading volume.
The resilience of Islamic banking efficiency in the face of the Covid-19 epidemic Faizul Mubarok; Deni Pandu Nugraha; Muhammad Nur Rianto Al Arif
Journal of Islamic Accounting and Finance Research Vol 5, No 1 (2023)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiafr.2023.5.1.13341

Abstract

Purpose - Since 2020, the COVID-19 pandemic has harmed the Efficiency Islamic banking industry. This study examines the effects of the COVID-19 pandemic on 33 Islamic stock-traded banks in Asia.Method - This study includes public financial statements and stock prices of Islamic banks in Asia. This study compares peer-to-peer of how the Covid-19 pandemic affect 33 Islamic financial institutions in 2019 and 2020. A dummy-covid separated pre-pandemic and post-pandemic periods and bank efficiency was a dependent variable. Least-squares panel data regression, fixed-effects, and random-effects models determine model parameters.Result - This panel regression analysis shows that Islamic banking's usefulness changed after the Covid-19 pandemic. Islamic financial institutions performed better than usual during the pandemic. The analysis results show this clearly.Implication - Islamic banking appears relatively unaffected by the current economic downturn. The Islamic banking sector, which differs from its conventional counterpart in that it is based on the principle of profit sharing, will fare better during economic contractions, according to these findings.Originality - This is the first study to use a cross-country sample of Islamic banks in Asia to analyze the efficiency of Islamic banking during COVID-19.
Role of Financial Literacy and Saving Habits on Fintech Adoption post Covid-19 Deni Pandu Nugraha; Budi Setiawan; Emilda Emilda; Muhammad Masyhuri; Mac Nhu Quynh; Robert Jeyakumar Nathan; Maria Fekete‐Farkas; István Hágen
ETIKONOMI Vol 23, No 1 (2024)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v23i1.37856

Abstract

Research Originality: This research paper enriches existing literature on drivers of fintech adoption, including the impact of perceived trust, individual innovativeness, savings habits, and government support on Indonesian users' post-COVID-19 pandemic fintech adoption intentions.Research Objectives: This study examines the impact of post-covid changes in people's behaviour, savings habits and accelerated financial literacy on strengthening Technology Adoption Model (TAM) among Indonesian fintech users. Research Methods: The researchers surveyed 536 people living in Indonesia. The data was analysed using structural equation modelling with moderator variables. Empirical Results: It found that ease of use, usefulness, trust and personal innovativeness are key drivers of adoption intentions. The research also found that savings habits significantly increase the influence of government support on fintech adoption. Implications: This research has two important implications. First, digital finance companies should further improve fintech app service quality and security. Second, the government should also encourage the expansion of a fintech-based startup ecosystem by providing regulatory support to accelerate the progress of Indonesia's digital finance industry.JEL Classification: M21, G23, O36How to Cite:Nugraha, D. P., Setiawan, B., Emilda, E., Masyhuri, M., Quynh, M. N., Nathan, R. J., Fekete-Farkas, M., & Hagen, I. (2024). Role of Financial Literacy and Saving Habits on Fintech Adoption post Covid-19. Etikonomi, 23(1), 63 – 80. https://doi.org/10.15408/etk.v23i1.37856.
ANALISIS TINJAUAN BIBLIOMETRIK PADA LITERATUR SISTEM MONETER ISLAM Ilhamdi, Ilhamdi; Nugraha, Deni Pandu
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 8 No. 2 (2023): Jurnal Asy Syar'iyyah Desember 2023
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v8i2.3754

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Research on the Islamic Monetary System is an important concern that contributes to the development of Islamic economics and finance. The large amount of literature related to Islamic economics and finance motivates researchers to discover new and different things. So an insightful study of bibliometric literature helps to understand the patterns and directions of research regarding the Islamic monetary system. This research collected 153 articles from the Scopus database for the period 1970 to 2023. Applications used included Microsoft Excel and VOSviewer to describe graphic data, citation analysis, co-occurrence analysis, and content analysis. The results of the analysis reveal the countries that published articles, the distribution of research over the research time interval, the most influential authors in the field of Islamic finance, the most cited journals, and keywords that frequently appear. There are five research streams identified, including (1) monetary policy transmission mechanisms through sharia financial channels, (2) Islamic monetary policy instruments in several OIC countries, (3) currency concepts and encouraging the economy from an Islamic perspective, (4) sector stability finance according to the views of Islamic science and finance, (5) interdependence in Islamic financial markets and linkages with conventional financial markets and macroeconomic variables. This research can address gaps in research in the field of Islamic Monetary Systems and offer further research for Islamic economics and finance researchers. Penelitian Sistem Moneter Islam menjadi perhatian penting yang berkontribusi pada pengembangan keilmuan ekonomi dan keuangan Islam. Banyaknya literatur terkait ekonomi dan dan keuangan Islam, memotivasi para peneliti untuk menemukan hal yang baru dan berbeda. Maka kajian tinjauan literatur bibliometrik membantu untuk memahami pola dan arah penelitian mengenai sistem moneter Islam. Penelitian ini mengumpulkan 153 artikel dari basis data Scopus untuk periode 1970 hingga 2023. Aplikasi yang digunakan antara lain Microsoft Excel dan VOSviewer untuk menggambarkan grafik data, analisis kutipan, analisis co-occurrence, dan analisis analisis isi. Hasil analisis mengungkap negara-negara yang menerbitkan artikel, sebaran penelitian pada interval waktu penelitian, penulis yang paling berpengaruh bidang moneter Islam, jurnal yang paling banyak dikutip, serta kata kunci yang sering muncul. Terdapat lima arus penelitian yang teridentifikasi antara lain (1) mekanisme transmisi kebijakan moneter melalui jalur keuangan syariah, (2) instrumen kebijakan moneter Islam di beberapa negara OKI, (3) konsep mata uang dan perannya pada perekonomian dalam perspektif Islam, (4) stabilitas sektor keuangan menurut dalam pandangan ilmu dan keuangan islam, (5) interdependensi dalam pasar keuangan syariah dan keterkaitan dengan pasar keuangan konvensional serta variabel makroekonomi. Penelitian ini dapat mengatasi kesenjangan dalam penelitian di bidang Sistem Moneter Islam dan menawarkan penelitian selanjutnya bagi para peneliti ekonomi dan keuangan Islam.
Role Strategic Management and Maqasid Sharia Toward Islamic Cooperative Performance Amar, Faozan; Sumardi, Sumardi; Nugraha, Deni Pandu
ETIKONOMI Vol 24, No 1 (2025)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v24i1.44588

Abstract

Research Originality: The study of strategic management and maqasid sharia in Islamic cooperatives is scarce. This study's originality includes maqasid sharia and decision-making styles in the framework of strategic management.Research Objectives: This study aims to determine the roles of strategic management, maqasid sharia, and decision-making style in the performance of Islamic cooperatives and to improve and embed Islamic values in organizations.Research Methods: Questionnaires were distributed to 124 employees of Islamic-cooperative. Furthermore, the study uses structural equation modelling to analyze the questionnaires data from respondents.Empirical Results: The study found that strategic management and organizational performance statistically affect financial performance. Meanwhile, the maqasid sharia and dependent decision-making style have statistically significant indirect effects on financial performance through strategic management and organizational performance.Implications: This study supports the implementation of Maqasid Sharia as the baseline for strategic management. This policy aims to improve the performance of Islamic cooperatives within the limits of Islamic principles. Stakeholders can elaborate on the policy to strengthen strategic management and Maqasid Sharia's implementation.JEL Classification: M21, L21, G40How to Cite:Amar, F., Sumardi, S., & Nugraha, D. P. (2025). Role Strategic Management and Maqasid Sharia Toward Islamic Cooperative Performance. Etikonomi, 24(1), 247 – 264. https://doi.org/10.15408/etk.v24i1.44588.
The Relationship Between Strategic Management Implementation and Decision-Making Style in Enhancing Employee Satisfaction: Evidence from Islamic Cooperatives Amar, Faozan; Jelita, Pepi Januar; Nugraha, Deni Pandu
Jurnal Manajemen Bisnis Vol. 16 No. 2: September 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v16i2.27076

Abstract

Research aims: This study aims to examine how strategic management implementation and decision-making styles contribute to employee satisfaction, with a specific focus on Islamic cooperatives. The study also explores the mediating role of organizational performance in this relationship.Design/Methodology/Approach: The research employs a quantitative approach using Structural Equation Modeling (SEM) with SmartPLS 4. Data were collected through questionnaires distributed to 124 employees of Islamic cooperatives, with 95 valid responses analyzed.Research Findings: The results indicate that strategic management does not directly affect employee satisfaction but exerts a significant indirect influence through organizational performance. Furthermore, among the various decision-making styles analyzed, only the dependent style showed a significant indirect effect on employee satisfaction through organizational performance.Theoretical Contribution/Originality: Grounded in dynamic capabilities theory, the study contributes to the literature by highlighting how strategic agility and inclusive decision-making, when aligned with Islamic values, enhance organizational outcomes and employee well-being. Moreover, the study introduces an integrated model linking strategic execution, decision behavior, and performance within the context of Islamic cooperatives.Practitioners/Policy Implications: The findings underline the importance for Islamic cooperative leaders to align strategic management practices with maqasid sharia principles and to adopt consultative decision styles that foster organizational trust, agility, and employee satisfaction.Research Limitations/Implications: The study is limited to a specific organizational context (Islamic cooperatives) and a relatively small sample size, which may affect generalizability. Future research could explore different cooperative models or apply a longitudinal approach.