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All Journal Global Review of Islamic Economics and Business Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Ikonomika : Jurnal Ekonomi dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Ilmiah Edunomika (JIE) Relevance: Journal of Management and Business Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman
Afdawaiza Afdawaiza, Afdawaiza
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice

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Determinants of Intention to Pay ZISWAF Trought BSI Mobile in Indonesia Sarmilah, Sarmilah; Afdawaiza, Afdawaiza
Relevance: Journal of Management and Business Vol. 7 No. 2 (2024): Desember
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/relevance.v7i2.10575

Abstract

Customer intention in paying ZISWAF through BSI mobile is important to investigate because ZISWAF are important instruments to reduce the level of poverty in Indonesia. The aim of this study is to determine the factors influencing customers' interest in making ZISWAF payments through BSI mobile. This research employs the Technology Acceptance Model (TAM) theory, incorporating two additional internal variables, namely trust and security. A quantitative approach is used to examine the relationship between dependent and independent variables, utilizing primary data obtained directly from Indonesian Sharia Bank customers through the distribution of 220 questionnaires. Subsequently, the data is processed using the Partial Least Square Structural Equation Model (PLS-SEM) approach. The results indicate that perceived usefulness and security variables have a positive impact on the interest in paying ZISWAF, perceived ease of use and trust variables do not affect the interest in making zakat and waqf payments through BSI mobile in Indonesia.
Pengaruh Kepemilikan Sertifikasi Halal dan Modal Usaha terhadap Pendapatan Usaha: Studi Empiris pada Pelaku Usaha Mikro kecil dan Menengah (UMKM) bidang kuliner di Daerah Istimewa Yogyakarta Nurhidayat, Kukuh; Afdawaiza, Afdawaiza; Handayani, Anik Puji
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i2.14149

Abstract

Penelitian ini bertujuan untuk mengeksplorasi pengaruh kepemilikan sertifikasi halal dan modal usaha terhadap pendapatan usaha pelaku UMKM bidang kuliner di Daerah Istimewa Yogyakarta. Dengan metode kuantitatif, data dari 173 responden UMKM dikumpulkan dan dianalisis menggunakan regresi linier berganda. Hasil menunjukkan bahwa kepemilikan sertifikasi halal memiliki pengaruh positif yang signifikan terhadap pendapatan UMKM kuliner, sementara modal usaha tidak berpengaruh secara signifikan. Temuan ini sejalan dengan penelitian sebelumnya yang menyoroti pentingnya sertifikasi halal dalam meningkatkan kepercayaan konsumen dan pendapatan usaha. Implikasi dari penelitian ini adalah perlunya perhatian lebih terhadap aspek sertifikasi halal dalam strategi pengembangan usaha UMKM kuliner.
Islamic Banks in the Digital Age : Balancing Innovation with Sharia Principles Afdawaiza, Afdawaiza; Mas’ud, Riduan; Manulandong, Shahid Q.
IKONOMIKA Vol 9, No 1 (2024)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v9i1.24912

Abstract

As digital technologies evolve at an unprecedented pace, Islamic banks face the dual challenge of embracing innovation while maintaining strict adherence to Sharia principles. This article examines the strategies employed by Islamic banks to balance technological advancements with Sharia compliance, focusing on the integration of digital tools such as blockchain, artificial intelligence, and mobile banking. Through a review of current practices and case studies, this study identifies key factors that enable Islamic banks to innovate without compromising their ethical and religious obligations. The analysis highlights the potential benefits of digital transformation, including enhanced customer engagement, improved operational efficiency, and greater financial inclusion, while also addressing the risks associated with technological adoption, such as regulatory challenges and ensuring Sharia compliance in a rapidly changing digital landscape. The findings underscore the importance of a thoughtful, collaborative approach among technologists, Sharia scholars, and regulators to enable Islamic banks to navigate the digital age successfully. Achieving this balance is vital not only for maintaining competitiveness but also for upholding the integrity of Islamic finance.
Uncertainty (Ketidakpastian) dan Antisipasinya Dalam Perspektif Keuangan Islam Afdawaiza, Afdawaiza
Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Vol 45 No 2 (2011)
Publisher : UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ajish.v45i2.23

Abstract

Dalam Islam mengambil resiko apapun adalah suatu yang dibolehkan bahkan dipuji. Hal ini dikarenakan tindakan yang seperti ini akan mendorong pertumbuhan dan pengembangan ekonomi. Resiko akan menciptakan nilai tambah untuk menciptakan usaha-usaha yang kreatif. Di sisi lain, ketidakpastian adalah suatu hal yang intrinsik dalam semua aktivitas ekonomi. Dalam hal resikoyang dapat dikontrol, hasil yang tidak pasti dari bentuk resiko ini sebenarnya digerakkan oleh sebab-sebab yang pasti yang dapat mempengaruhi atau mengontrol kemungkinan hasilnya. Jika seorang agen ekonomi ingin mendapatkan hasil dari suatu usaha yang bersifat tidak pasti, maka ia harus melakukan usaha-usaha yang nantinya bisa mendatangkan keuntungan. Artinya, hasil dari ketidakpastian tersebut sangat ditentukan oleh usaha yang dilakukan.
Pengaruh Kepemilikan Sertifikasi Halal dan Modal Usaha terhadap Pendapatan Usaha: Studi Empiris pada Pelaku Usaha Mikro kecil dan Menengah (UMKM) bidang kuliner di Daerah Istimewa Yogyakarta Nurhidayat, Kukuh; Afdawaiza, Afdawaiza; Handayani, Anik Puji
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i2.14149

Abstract

Penelitian ini bertujuan untuk mengeksplorasi pengaruh kepemilikan sertifikasi halal dan modal usaha terhadap pendapatan usaha pelaku UMKM bidang kuliner di Daerah Istimewa Yogyakarta. Dengan metode kuantitatif, data dari 173 responden UMKM dikumpulkan dan dianalisis menggunakan regresi linier berganda. Hasil menunjukkan bahwa kepemilikan sertifikasi halal memiliki pengaruh positif yang signifikan terhadap pendapatan UMKM kuliner, sementara modal usaha tidak berpengaruh secara signifikan. Temuan ini sejalan dengan penelitian sebelumnya yang menyoroti pentingnya sertifikasi halal dalam meningkatkan kepercayaan konsumen dan pendapatan usaha. Implikasi dari penelitian ini adalah perlunya perhatian lebih terhadap aspek sertifikasi halal dalam strategi pengembangan usaha UMKM kuliner.
DETERMINAN GENERASI MILLENIAL TERHADAP MINAT MENGGUNAKAN BSI MOBILE DENGAN GAYA HIDUP SEBAGAI VARIABEL MODERASI Afif, Nu'man; Afdawaiza, Afdawaiza
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.10493

Abstract

This study aims to examine the effect of the variables of usability, convenience and corporate image on millennial students in using BSI Mobile which focuses on Central Java Province and the Special Region of Yogyakarta. The model used is TAM with the addition of lifestyle as a moderating variable. Respondents in this study totaled 220 BSI Mobile users who were included in the millennial generasi category and were spread across Central Java Province and the Special Region of Yogyakarta. The approach used is descriptive quantitative using SEM (structural equation model) as an analysis model, using SmartPLS 3.0 software. Convenience, usability, corporate image and lifestyle as usability moderating variables have an influence on millennial students in using BSI Mobile. However, lifestyle as a moderation of convenience and lifestyle as a variable for moderating corporate image have no effect on millennial students in using BSI Mobile. The results of these findings are expected to contribute to an understanding of the decision to use BSI Mobile in Indonesia, especially in the context of Mobile Banking services from an academic perspective.
COVID-19 Pandemic and its Effect on the Business Development Center UIN Sunan Kalijaga Yogyakarta: An Islamic Management Strategy Afdawaiza, Afdawaiza
Global Review of Islamic Economics and Business Vol. 10 No. 2 (2022)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/grieb.2022.102-05

Abstract

The COVID-19 pandemic has had a significant effect on various business sectors, including the Business Development Center (BDC) at UIN Sunan Kalijaga, which serves as a business management institution at the university. This study aimed to assess the effect of the COVID-19 pandemic on UIN Sunan Kalijaga's revenue from business sectors managed by the BDC. Additionally, the study aimed to demonstrate how UIN Sunan Kalijaga employed crisis management to respond to the pandemic's effect through various efficiency efforts and optimization of alternative financial aspects. By implementing Business Continuity Management (BCM), Emergency Response Plan (ERP), and Business Contingency Plan (BCP), BDC UIN Sunan Kalijaga Yogyakarta was able to maintain its existence in the first year of the pandemic by posting profits and continued with a positive trend in subsequent years. The findings of this study can be applied practically by providing a business model in times of crisis to ensure the company’s survival. Originality/Value: This study is original in examining the resilience of a university-based business management institution during the COVID-19 crisis, a context rarely explored in crisis management literature. By integrating Business Continuity Management (BCM), Emergency Response Plan (ERP), and Business Contingency Plan (BCP), it demonstrates how UIN Sunan Kalijaga’s Business Development Center sustained profitability and adapted effectively. The findings provide a practical business model for organizations seeking survival strategies in times of crisis, offering both theoretical enrichment and actionable guidance.
Co-Authors Afif, Nu'man Handayani, Anik Puji Manulandong, Shahid Q. Mas’ud, Riduan Nurhidayat, Kukuh Sarmilah, Sarmilah