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All Journal ETIKONOMI Jurnal Manajemen Teknologi Jurnal Ekonomi Syariah Teori dan Terapan Jurnal Ekonomi dan Bisnis Islam Al Tijarah SINERGI: Jurnal Ilmiah Ilmu Manajemen Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics Ihtifaz: Journal of Islamic Economics, Finance, and Banking Cakrawala: Jurnal Litbang Kebijakan Ekonomi dan Bisnis International Journal of Islamic Business and Economics (IJIBEC) ECOPLAN : JOURNAL OF ECONOMICS AND DEVELOPMENT STUDIES NUKHBATUL 'ULUM : Jurnal Bidang Kajian Islam Indonesian Journal of Halal Research Jurnal Riset Akuntansi Kontemporer Oeconomicus Journal of Economics Journal of Islamic Law El-Qist : Journal of Islamic Economics and Business (JIEB) Airlangga Journal of Innovation Management Jurnal Manajemen dan Inovasi (MANOVA) Etihad: Journal of Islamic Banking and Finance ALMUJTAMAE: Jurnal Pengabdian Masyarakat Journal of Economics Development Issues Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Nomicpedia: Journal of Economics and Business Innovation Journal of Islamic Economics Lariba IIJSE Journal of Finance and Islamic Banking Madania: Jurnal Kajian Keislaman Asian Journal of Law and Islamic Finance Nidhomul Haq : Jurnal Manajemen Pendidikan Islam Journal of Indonesian Islam
Ana Toni Roby Candra Yudha
Universitas Islam Negeri Sunan Ampel
Religion Arts Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Social Sciences Other

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The Knowledge, Service Features, Benefits, And Convenience and Their Influence on Customer Interest: Evidence on BSI Mojopahit 2 Mojokerto City, Indonesia Mutia Hendarti, Alvina; Candra Yudha, Ana Toni Roby; Wicaksono, Rianto Anugerah; Maksum, Maksum; Huda, Nurul
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.49-66

Abstract

This study investigates the influence of customer knowledge, service features, perceived benefits, and convenience on user interest in adopting BSI Mobile Banking at Mojopahit 2 Branch, Mojokerto City, Indonesia. Using a quantitative approach with a purposive sample of 100 active users, the study employed multiple linear regression analysis through SPSS. Results demonstrate that all four variables significantly affect customer interest, both individually and simultaneously, with perceived benefit emerging as the most dominant factor influencing user adoption. This study contributes to the growing body of research on Islamic digital banking by highlighting how cognitive and experiential factors drive mobile banking adoption in emerging economies with large Muslim populations. Unlike many conventional studies, this research emphasizes the unique feature set of Islamic mobile banking—such as zakah calculators and Qibla direction services—that align with faith-based financial behaviors. The findings provide actionable insights for Islamic financial institutions aiming to expand digital financial inclusion while preserving Shariah compliance. Future international studies can build on this model by comparing adoption dynamics across Islamic banking systems, examining the role of religious values in fintech usability, or integrating behavioral economics into Islamic digital finance frameworks.
Development of Business Scale: Empirical Evidence from Business Center UINSA Surabaya Atho'illah, Akhmad Yunan; Yudha, Ana Toni Roby Candra
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 2 (2022): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i2.1809

Abstract

Responses and strategies for the enrichment of product marketing problems in business units at Universitas Islam Negeri Sunan Ampel (UINSA) Surabaya need to be done. It is reasonable to prepare considering that the COVID-19 pandemic has had a systemic impact on all sectors, including the economic and business sectors. Business units in universities as one of the sub-fields that need to be developed as incubation centers, and sources of income for universities are important to maintain stable performance. The purpose of this study was to determine the identification of internal and external conditions. The research used is qualitative, with a descriptive strategy and SWOT analysis as an analytical tool. Informants from this study came from internal and external institutions, such as the daily board (BPH), employees, and customers. Validation of data using in-depth interviews, in order to obtain the accuracy and validity of data and information. The results indicate that the internal and external SWOT analysis is located in quadrant 1, (0.026; 0.063), which shows the results that these coordinates place the company in a position that supports an aggressive strategy. A strategy that prioritizes sales focus and strengthens internal management. Then from an institutional managerial point of view, PUSBIS in its current condition also has fairly solid teamwork, protecting all members of the extended family by carrying out reading routines, daily financial evaluations, self-development training, and compensation for improving performance. Research suggestions that are in accordance with the results of the study are increasing sales skills, utilizing social media, marketplaces, and involving websites to launch and sell products. It is considered important and necessary in the midst of a pandemic that is still not over, to capture the normal potential of buyers from outside the campus.
Promoting Innovative Work Behavior: Investigating The Role of Islamic Work Ethic Firmansah, Yayan; Azhar, Masyhuri; Sarker, Md Atiqur Rahman; Yudha, Ana Toni Roby Candra; Syahruddin, Syahruddin
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 1 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i1.2958

Abstract

With respect to the global mission of Islamic higher education institutions for the Islamic world along with the highly volatile organizational environment and intense competition in the era of globalization, Islamic higher educations need to innovate. The existing literature reveals that innovation is one of the significant drivers for organizational competitive advantage. Innovation is very important for organizations to be able to survive in a dynamic and rapidly changing environment. However, existing studies have been silent regarding factors influencing administrative staff innovative behavior. This study then aims to analyze innovative work behavior of administrative staff and the factors that influence it, namely Islamic work ethics and organizational commitment. Quantitative approach was used. Sample was determined using purposive random sampling and data was collected by distributing questionnaires. The results of the analysis show that Islamic work ethic has no effect on innovative work behavior, while organizational commitment has a positive effect. However, these two variables have an effect on innovative work behavior simultaneously.
Adaptive Business Model in the Post-Pandemic Era of Covid-19: Evidence in Greensa Inn Yudha, Ana Toni Roby Candra; Basya, Maziyah Mazza
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i1.3766

Abstract

The aims of this study are to examine and obtain an adaptive business model for the GreenSA Inn hotel business in the form of meetings, intensive, conferences, and exhibitions (MICE). The research method used is a mixed method, namely by using SWOT analysis as a representation of the analytical tool in the quantitative approach, followed by observation and in-depth interviews as a representation of the qualitative approach. There were 7 selected informants who held positions at the level of directors or coordinators and technical implementers. The results obtained by the strategy model are aggressive strategies, namely with a business expansion strategy that focuses on efforts to 'pick up the ball' utilizing all advantages possessed. First, the uniqueness of this study is that it identifies one business area and business unit, namely MICE, so the review is quite detailed but cannot be generalized. Recommendations that are consistent with the study results are promoting marketing channels through social media, and collaborating with religious institutions at the Sidoarjo and Surabaya district levels to offer external meeting activities at GreenSA. Then to be able to obtain a more effective adaptive strategy, a ghost shopper can be carried out at hotels in other districts or other campuses to get information and references for the adaptive strategies they are working on.
Determining the Minimum Age of Marriage in the Perspective of Economics and Al-Ikhtiyath Al-Fiqhy Lathoif Ghozali, Muhammad; Yudha, Ana Toni Roby Candra; Himami, Fatikul
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.5030

Abstract

The purpose of this study is to find out and provide views on the determination of the minimum age of marriage from two perspectives, namely the economic perspective and the economic perspective al Ikhtiyath al fiqhy. The method used in this study is qualitative, juridical-normative approach, as well as descriptive qualitative because the data needed and used are in the form of information leaflets that do not need to be quantified. The study found that the findings of previous research on young marriage were confirmed in this study. It found that young marriage is known to increase the risk of miscarriage, infant mortality, cervical cancer, venereal disease, and mental disorders due to social pressure to assume adult responsibilities at a young age. This is a prohibition that must be avoided and is very contrary to Islamic rules la dharara wa la dhirar. These rules are taken to realize the objectives of the maqashid al-syariah by rejecting the ones that mafsadah, by eliminating the harm or at least alleviating it. The corresponding suggestion is to encourage education as early as possible for adolescents so that they know the bad things that have the potential to arise if they force early marriage. Two things that are very important for adolescents to have but scientifically and empirically are considered immature are age and mental preparation. So, it is necessary to pay serious attention to these two things before deciding to marry their couple.
Kemandirian Ekonomi Masyarakat Desa Berbasis Pemanfaatan Aset Produktif di Kabupetan Mojokerto Maghfiroh, Aulya Putri; Yudha, Ana Toni Roby Candra; Pradessari, Alda; Astuti, Setyani Agung Dwi
Cakrawala Vol. 15 No. 2: Desember 2021
Publisher : Badan Riset dan Inovasi Daerah Provinsi Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32781/cakrawala.v15i2.360

Abstract

Penelitian ini bertujuan untuk mengetahui keberhasilan dorongan aset produktif bagi kemandirian masyarakat melalui upaya pemberdayaan masyarakat oleh PNPM. Metode penelitian ini menggunakan pendekatan kualitatif  dengan strategi etnografi yang dilaksanakan di Kecamatan Gondang, Kabupaten Mojokerto dalam kurun waktu bulan Agustus sampai September 2020. Data yang digunakan yaitu data primer yang diperoleh melalui wawancara mendalam. Peneliti juga menggunakan data sekunder yang berupa arsip dan dokumen.. Hasil dari penelitian ini menunjukkan bahwa upaya peningkatan kemandirian masyarakat melalui program pemberdayaan masyarakat PNPM cenderung terfokus pada peningkatan aset produktif dan belum sepenuhnya difokuskan pada keberhasilan kemandirian masyarakat melalui kegiatan pemberdayaan masyarakat. Adapun saran yang beresesuaian dengan hasil penelitian yaitu agar UPK Kecamatan Gondang menyeleksi masyarakat yang melakukan kredit pada program UEP untuk memastikan bahwa penggunaannya benar-benar diperuntukkan bagi pengembangan usaha serta melakukan mentoring secara berkala pada kelompok binaan sebagai bentuk evaluasi pemberdayaan.
Strategi Penanggulangan Dampak Pandemi pada Kondisi Sosio-Ekonomi dan Pendidikan di Desa Tambak Cemandi, Sedati, Sidoarjo Aulia, Fa'iqotur; Yudha, Ana Toni Roby Candra; Dharmawan, Ferry; Saputra, Gery Akbar; Wahid, Muhammad Ilham; Rosidhah, Nafi Ngatur
Cakrawala Vol. 16 No. 1: Juni 2022
Publisher : Badan Riset dan Inovasi Daerah Provinsi Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32781/cakrawala.v16i1.381

Abstract

Adanya COVID 19 menyebabkan banyak dampak pada segala aspek, termasuk ekonomi, sosial dan pendidikan. Hal itu terjadi dan dirasakan oleh semua wilayah di Indonesia, tidak tercuali Desa Tambak Cemandi, Sidoarjo. Tujuan studi ini adalah untuk memberikan alternatif model strategi dalam meredakan permasalahan akibat pandemi COVID 19. Metode yang digunakan adalah kualitatif fenomenologi, yaitu melalui proses penggalian data, mengkaji, dan interaksi sosial selama 1 bulan bersama masyarakat setempat. Hasil studi yang didapatkan adalah adanya tren penurunan kualitas ekonomi dalam hal daya beli, peluang kerja, pendapatan dan konsumsi selama masa pandemi COVID 19. Hal ini terlihat dari penurunan aktivitas melaut dan tangkapan yang diperoleh. Atas hal tersebut maka, perlu adanya strategi penaggulangan dampak  bantuan informasi dengan mencarikan calon pembeli atau konsumen dengan melibatkan semua pemangku kepentingan di daerah Desa Tambak Cemandi. Sehingga saran yang bersesuaian dengan hasil tersebut adalah perlu adanya kerjasama berkesinambungan dengan perangkat desa setempat agar mendapat perhatian dan alternatif cara untuk menjual hasil tangkapan lautnya.
Psychosocial strain and default behavior in Islamic fintech: An urban–rural analysis using general strain theory Yudha, Ana Toni Roby Candra; Haryono, Slamet; Ardiansyah, Misnen
al-Uqud : Journal of Islamic Economics Vol. 9 No. 2 (2025): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n2.p162-180

Abstract

This study examines the psychosocial determinants of loan default among Millennial and Gen Z users of Islamic fintech microfinance in Indonesia, applying General Strain Theory (GST) to compare behavioral dynamics across urban and rural contexts. Data were collected from 307 respondents and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results reveal notable contextual differences: in urban settings, default intention is significantly influenced by social difficulties, feelings of inferiority, life dissatisfaction, loneliness, and weakened moral norms. In contrast, loneliness emerges as the only significant predictor in rural areas. Economic pressure did not serve as a major driver, emphasizing the greater influence of psychosocial strain over financial factors. These findings suggest that fintech providers should refine credit risk assessments by incorporating psychological and social indicators. Interventions such as financial literacy programs, moral reinforcement, and community-based support systems may be particularly effective, especially in rural areas where social isolation is prevalent. This study offers a novel application of GST in the Islamic fintech domain, providing theoretical advancement and practical implications for more ethical and socially inclusive fintech development.
ANALYSIS OF MACROECONOMIC FLUCTUATIONS IMPACT ON EFFICIENCY AND ISLAMIC BANKING QUALITY 2015-2019 Yudha, Ana Toni Roby Candra; Indrawan, Imam Wahyudi; Syarifudin, Syarifudin
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 7 No. 2 (2021): JULY-DECEMBER 2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v7i2.26245

Abstract

This study aims to analyze the impact of macroeconomic shocks, such as economic growth, inflation and the rupiah exchange rate on Islamic banking efficiency. This study uses the two-stage least squares (TSLS) method, which is a method with two endogenous variables, namely the non-performing financing (NPF) ratio as a representation of the quality of Islamic banking financing and the operating expense operating income (BOPO) ratio as a representation of Islamic banking efficiency. So that the TSLS method aims to purify these endogenous variables against stochastic disturbances. This study uses monthly data from January 2010 to January 2020, or as many as 121 observations. The observation of data is obtained from Islamic Banking Statistic that published by Financial Services Authority (OJK). The efficiency of Islamic banks is influenced by the number of sharia banking office networks, capital adequacy ratios, and NPF ratios. The NPF ratio itself is affected by macroeconomic conditions (economic growth and appreciation of the rupiah exchange rate) as well as the efficiency of Islamic banking. Based on the above findings, a number of recommendations were given, including the urgency of simultaneously increasing efficiency and quality of Islamic banking financing accompanied by monitoring Indonesia's macroeconomic conditions, so that it is hoped that Islamic banks will be more resilient to macroeconomic shocks and competitive in the national financial services industry.
“Sharia Maqasid-Oriented Economic Ethics (MS-EE) and the Behavioral Patterns of Vegetable Traders in Indonesian Traditional Markets”: Etika Ekonomi Berorientasi Maqasid Syariah (MS-EE) dan Pola Perilaku Pedagang Sayur di Pasar Tradisional Indonesia harir, muharir; Roby Candra Yudha, Ana Toni; Saprida; Melis
OECONOMICUS Journal of Economics Vol. 10 No. 1 (2025): (December) edisi 19
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

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

Abstract

Traditional markets serve as centers of grassroots economic activities that reflect the dynamics of social, cultural, and economic interactions within local communities. This study employs a qualitative approach with a descriptive method, supported by in-depth interviews with respondents, and the findings are validated through a triangulation analysis model. The results indicate that vegetable traders in the Traditional Market of Tirto Sari Village, Banyuasin I District, South Sumatra Province, play a strategic role in fulfilling the community’s food needs and driving local economic activities. Their economic behavior is reflected in capital management, sales patterns, and the social interactions they build with consumers. Understanding these behaviors is essential for examining the economic rationality and social values that influence trading practices, while also contributing to the strengthening of microeconomic development based on local wisdom aligned with the principles of maqasid al-sharia.
Co-Authors Abdul Hakim Abdul Mu’izz Abdullah Muhammad Al-Kamal Abdulloh Hamid Achmad Room Fitrianto Agus Afandi Ahmad Danu Syaputra, Ahmad Danu Ahmad Saifudin, Ahmad Ainin Nur Mufidah Ajeng Tita Nawangsari Akbar Pratama Kartika Akh. Yunan Atho'illah Alfadia Fitri Aini Alfin Maulana Alvina Mutia Hendarti Amalia Yustika Andaru Rachmaning Dias Prayitno Andhy Permadi Andi Triyanto Andriani Samsuri Ani Fatmawati Ardiva Wahyu Trisna Arianti, Bella Dahniar Arifin, Rahman Arinda Septiani Astuti, Setyani Agung Dwi Atho'illah, Akh. Yunan Atho'illah, Akhmad Yunan Atho?illah, Akhmad Yunan Aulia Rahma Aulia, Fa'iqotur Awwaliah, Habibah Azhar, Masyhuri Chetrine Alya Rinaima Debby Nindya Istiandari Dharmawan, Ferry Dikuraisyin, Basar Dk Hjh Saerah Pg Hj Petra Dusturiya, Nyda Eka Mega Pertiwi Erly Erlian Kurniawati Fadilla, Siti Fath Abdul Azis Assa'ud Fauziah, Nailatin Febiola Bunga Asprila Febriyanti, Novi Habibah Awwaliah Habibah Awwaliah Habibi, M. Lutfillah Hamka Lubis, Rusdi Hammis Syafaq Handila Rizka harir, muharir Himami, Fatikul Ida Wijayanti Imam Wahyudi Indrawan, Imam Wahyudi Ivan Riyadi, Ivan Izzuddin M. Afif Kafabih, Abdullah LATIF, SALWA SABRINA Lusiana Dewi M. Lathoif Ghozali M. Lutfillah Habibi Maghfiroh, Aulya Putri Maksum, Maksum Masruchin Masrufa, Nur Masyhuri Azhar Maziyah Mazza Basya Md Atiqur Rahman Sarker Melis Misnen Ardiansyah, Misnen Mochammad Andre Agustianto Mochammad Ilyas Junjunan Mohamad Yusak Anshori Mohammad Khoiruzi Afiq Mohd Azli, Rafidah binti Mubaidi Sulaiman Muhamad Nafik Hadi Ryandono Muhammad Hamdan Ali Masduqie Muhammad Rendy Setiawan Muharir, Muharir Mutia Hendarti, Alvina Nasif Sidquee Pauzi Niam, Khoirun Novi Febriyanti Novia Putri Artanti Nurlailah Nurlailah Nurul Huda Nurul Huda Nurul Huda Nurul Izzah Adiningsih Nyda Dusturiya Pauzi, Nasif Sidquee Pertiwi, Eka Mega Petra, Dk Hjh Saerah Pg Hj Pradessari, Alda Purnamasari, Anggun Putra, Muhammad Deni Rafidah binti Mohd Azli Ratna Indah Lestari Rianto Anugerah Wicaksono Rina Ramadhani Riska Delta Rahayu Riski Delta Ningtyas Rizka Rahmatillah Zidna Rizqa Rahmaddina Rofiki, Akhmad Rofiqoh, Isnaini Rosidhah, Nafi Ngatur Sabella Putriani Salim, Amir Salsa Yuli Setiani Samawi, Mohammad Wirmon Saprida, Saprida Saputra, Gery Akbar Sarker, Md Atiqur Rahman Selly Nursafitri Setia Rini Arista Sherawali Sherawali Sherawali Sherawali Sherawali, Sherawali Sita Ajizah Ah Zahro Slamet Haryono Sri Wigati Sugiyanto Sugiyanto Sugiyanto Sukoco, Anton Syahruddin Syahruddin Syahruddin Syahruddin Syarifudin Syarifudin Syarifudin Syarifudin Syarifudin Syarifudin Ummi Hanik Vinka Alysia Wahid, Muhammad Ilham Wardati Humairoh Wijayanti, Ida WULANDARI, TIFFANI AYU Yalina, Nita Yayan Firmansah ZAKARIYA, NOVIE ANDRIYANI Zakiyatul Fakhiroh Zulfiah, Hilya Zustika, Anisa Fadilah