Priyonggo Suseno, Priyonggo
Fakultas Ekonomi Universitas Gadjah Mada

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Peran Religiusitas terhadap Permintaan Menabung di Bank Syari'ah Suseno, Priyonggo
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol. 3 (2011): Az-Zarqa': Jurnal Hukum Bisnis Islam
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ggd57s21

Abstract

Perkembangan perbankan syari'ah dalam satu dekade terakhir menunjukkan adanya percepatan. Meskipun demikian. pangsa perbankan syari'ah terhadap perbankan nasional masih dibawah target yang diharapkan. Kelompok masyarakat mengambang (floating mass) diduga masih mendominasi nasabah di perbankan syari'ah. Penelitian ini dimaksudkan untuk mengkaji variabel penentu nasabah dalam manabung di bank syari'ah, khususnya aspek keuntungan bagi nasabah, dengan mengambil sampel masyarakat Kota Yogyakarta. Dengan pendekatan kuantitatif, regresi berganda, ditemukan bahwa faktor layanan, referensi relasi, pendidikan dan religiusitas nasabah berpengaruh positif terhadap permintaan tabungan. Di sisi lain. aspek usia, dan referensi tidak signifikan pengaruhnya terhadap permintaan tabungan di bank syari'ah.
Comparative Analysis of Sharia Stock Screening Methods in Indonesia, Malaysia, and the United States Huda, Eva Nurul; Suseno, Priyonggo
Maliki Islamic Economics Journal Vol 3, No 1 (2023): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v3i1.19808

Abstract

This study aims to find out and understand how the sharia stock screening model applies in Indonesia, Malaysia, and the United States and find a harmonization solution. The method used in this study is descriptive-qualitative through a literature study approach. Research data was obtained from various sources both online and offline, such as journal articles, books, and websites related to the screening of Sharia-compliant stocks, to be further analyzed using the content analysis method. The results show that there are differences in the screening criteria for sharia stocks on the Indonesian Stock Exchange, the Malaysian Stock Exchange, and the American Stock Exchange, both qualitatively and quantitatively. This difference is seen as a natural thing in Islamic teachings because it is in the realm of muamalah fiqh, which of course is adapted to the conditions of the people of each country. However, it is necessary to consider generalizing the implementation of strict and uniform sharia stock screening in order to increase understanding, interaction, and economic cooperation among Muslim countries at the global level.
Analisis pengaruh pembiayaan Syariah hijau terhadap pertumbuhan ekonomi: Studi di negara anggota OKI Suseno, Priyonggo; Afdanisa, Ildhani
Jurnal Kebijakan Ekonomi dan Keuangan Volume 4 Issue 1, Juni 2025
Publisher : Jurusan Ilmu Ekonomi, Fakultas Bisnis dan Ekonomika, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JKEK.vol4.iss1.art13

Abstract

Purpose – The objective of this research is to examine the impact of Islamic-based green financing on economic growth in some Islamic banking countries: Indonesia, Malaysia, and the United Arab Emirates.Methods – The study employs a fixed effect regression model (FEM), based on panel annual data from 2015 to 2023 from Indonesia, Malaysia, and the UAE. Secondary data from various official sources were utilized for comparative analysis.Findings – Green financing and the exchange rate positively influence economic growth in all three countries. On the other hand, inflation and interest rate do not have a significant effect on economic growth.Implication – The findings emphasize the need to develop more competitive Sharia-compliant green financial instruments and enhance human resource literacy in green finance. Governments should also maintain macroeconomic stability, including a competitive exchange rate, to foster green financing and economic growth.Originality – This study uniquely analyzes the long-term macroeconomic impact of Sharia-compliant green financing using panel data across Indonesia, Malaysia, and the UAE. Its distinct contribution lies in integrating development, green, and Islamic economic perspectives. AbstrakTujuan – Penelitian ini mengkaji sejauh mana pembiayaan hijau berbasis syariah serta variabel ekonomi makro berkontribusi terhadap pertumbuhan ekonomi di tiga negara bank syariah, yaitu Indonesia, Malaysia, dan Uni Emirat Arab (UEA) Metode – Dengan pendekatan kuantitatif, studi ini memanfaatkan data panel periode 2015–2023 dari Indonesia, Malaysia, dan UEA, yang kemudian dianalisis melalui teknik regresi panel menggunakan Fixed Effect Model.Temuan – Pembiayaan hijau serta nilai tukar memiliki dampak positif dan signifikan terhadap PDB, sementara inflasi menunjukkan pengaruh negatif namun tidak signifikan, sedangkan suku bunga berpengaruh positif tetapi tidak signifikan. Implikasi – Temuan ini menekankan urgensi pengembangan instrumen keuangan hijau syariah yang lebih kompetitif dan peningkatan literasi sumber daya manusia di bidang pembiayaan hijau. Pemerintah juga perlu menjaga nilai tukar yang kompetitif, untuk mendorong pertumbuhan ekonomi. Orisinalitas – Penelitian ini secara unik menganalisis dampak makroekonomi jangka panjang pembiayaan hijau syariah dengan data panel di Indonesia, Malaysia, dan UEA. Kontribusi khususnya adalah mengintegrasikan perspektif ekonomi pembangunan, ekonomi hijau, dan ekonomi syariah
Why do members remain loyal to a community-based BMT in the absence of formal deposit insurance? Fitriana, Muhammad Zafri Fauzan; Suseno, Priyonggo
Jurnal Kebijakan Ekonomi dan Keuangan Volume 5 Issue 1, Juni 2026
Publisher : Jurusan Ilmu Ekonomi, Fakultas Bisnis dan Ekonomika, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JKEK.vol5.iss1.art4

Abstract

Purpose – This research aims to explain why community-based Baitul Maal wa Tamwil (BMT) members remain loyal to save even though their savings are not guaranteed by formal deposit guarantee mechanisms, as well as identify trust mechanisms that replace the role of institutional protection.Methods – This research uses a qualitative approach with an interpretive case study design. Data were collected through in-depth semi-structured interviews with active community-based BMT members and analyzed using inductive thematic analysis.Findings – This research finds that member loyalty is not based on formal regulatory protection, but rather on trust that is built socially and morally. Community-based institutional legitimacy, personal trust in managers, and relational service practices converge to form a perception of trust as the foundation of loyalty.Implication – The results of this study suggest that the desirability of BMT depends on strengthening internal trust mechanisms through strong governance and social relationships.Originality – This research contributes to the analysis of community-based BMT and uses inductive thematic analysis. AbstrakTujuan – Penelitian ini bertujuan untuk menjelaskan mengapa anggota Baitul Maal wa Tamwil (BMT) berbasis komunitas tetap loyal menabung meskipun simpanan mereka tidak dijamin oleh mekanisme penjaminan simpanan formal, serta mengidentifikasi mekanisme kepercayaan yang menggantikan peran perlindungan institusional tersebut. Metode – Penelitian ini menggunakan pendekatan kualitatif dengan desain studi kasus interpretatif. Data dikumpulkan melalui wawancara mendalam semi-terstruktur terhadap anggota aktif BMT berbasis komunitas dan dianalisis menggunakan analisis tematik induktif.Temuan – Penelitian ini menemukan bahwa loyalitas anggota tidak didasarkan pada perlindungan regulatif formal, melainkan pada kepercayaan yang dibangun secara sosial dan moral. Legitimasi kelembagaan berbasis komunitas, kepercayaan personal terhadap pengelola, serta praktik pelayanan yang bersifat relasional berkonvergensi membentuk perceived trust sebagai fondasi loyalitas.Implikasi – Hasil penelitian ini menegaskan bahwa keberlanjutan BMT bergantung pada penguatan mekanisme kepercayaan internal melalui tata kelola dan relasi sosial yang kuat.Orisinalitas – Penelitian ini berkontribusi dalam menganalisis BMT berbasis komunitas dan dianalisis menggunakan analisis tematik induktif.