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All Journal Jurnal Pendidikan Ekonomi (JUPE) Ulul Albab: Jurnal Studi Islam Jurnal Ekonomi Modernisasi el-Jizya: Jurnal Ekonomi Islam An-Nisbah: Jurnal Ekonomi Syariah al-Uqud : Journal of Islamic Economics Fokus Ekonomi MALIA Amwaluna Jurnal Ekonomi dan Keuangan Syariah Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Community Engagement and Emergence Journal (CEEJ) Oeconomicus Journal of Economics Abadi: Jurnal Ahmad Dahlan Mengabdi IIJSE International Journal of Islamic Economics (IJIE) An-Nisbah: Jurnal Ekonomi Syariah Journal of Islamic economics Perspectives (JIEP) Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Interdisciplinary Journal of Advanced Research and Innovation Jurnal Ekonomi, Manajemen, Akuntansi Journal of Economic and Business
Rokhmat Subagiyo, Rokhmat
IAIN Tulungagung
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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THE INFLUENCE OF LITERACY MODERATION VARIABLES ON SAVING PREFERENCES IN ISLAMIC BANK (Case Study of Yogyakarta Islamic Bank Customers) Kolistiawan, Budi; Subagiyo, Rokhmat; Shomad VEA, Moh. Ali Abdul; Bachtiar, Jusuf
An-Nisbah: Jurnal Ekonomi Syariah Vol 11 No 1 (2024)
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v11i1.9104

Abstract

Abstrak: Tujuan penelitian ini adalah untuk menganalisis pengaruh variabel moderasi literasi terhadap preferensi menabung di bank syariah dengan mengembangkan theory of planned behavior. Penelitian ini menggunakan sampel 250 responden masyarakat Yogyakarta. Metodologi menggunakan metode kuantitatif berlandaskan pada filsafat positivism, digunakan untuk membuat generalisasi sampel dari populasi tertentu, pengumpulan data menggunakan instrumen penelitian kuesioner dengan alat ukur skala likert, analisis bersifat kuantitatif untuk menguji hipotesis yang telah ditetapkan. Metode analisis dalam penelitian ini menggunakan Structural Equation Modeling (SEM) yaitu analisa data yang menggambarkan hubungan struktural yang diekspresikan oleh seperangkat persamaan dengan menggunakan software SmartPLS 3.0. Hasil analisis menyatakan bahwa variabel sikap tidak berpengaruh terhadap niat perilaku preferensi menabung di bank syariah. Sedangkan variabel norma subjektif dan kontrol perilaku persepsian berpengaruh positif signifikan terhadap variabel niat perilaku preferensi menabung di bank syariah. Berdasarkan hasil penelitian ini juga menyatakan bahwa variabel literasi mampu memoderasi niat terhadap perilaku preferensi menabung di bank syariah. Kata kunci: TPB, Preferensi, Perilaku, Menabung, Bank Syariah Abstract: The aim of this research is to analyze the influence of the literacy moderating variable on savings preferences in Islamic banks by developing a theory of planned behavior. This research used a sample of 250 respondents from the people of Yogyakarta. The methodology uses quantitative methods based on the philosophy of positivism, used to generalize samples from certain populations, data collection uses questionnaire research instruments with Likert scale measuring instruments, quantitative analysis to test predetermined hypotheses. The analysis method in this research uses Structural Equation Modeling (SEM), namely data analysis that describes structural relationships expressed by a set of equations using SmartPLS 3.0 software. The results of the analysis state that the attitude variable has no effect on the behavioral intention of saving preferences in Islamic banks. Meanwhile, subjective norm variables and perceived behavioral control have a significant positive effect on the behavioral intention variable of saving preferences in Islamic banks. Based on the results of this research, it is also stated that the literacy variable is able to moderate intentions towards saving preference behavior in Islamic banks. Keywords: TPB, Preferences, Behavior, Savings, Islamic Banking
Pengaruh Kinerja Keuangan Bank Syariah, Zakat, Pajak, dan Foreign Direct Investment terhadap Pertumbuhan Ekonomi Indonesia Rizkyaningrum, Adinda Agustinayu; Lestari, Lisa Yuni; Febrianto, M. Nanang; Subagiyo, Rokhmat; Sholihah, Ummu
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 3: Maret 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i3.8483

Abstract

The Purpose of this research influence of short-term and long-term variables Return on Assets, Zakat, Taxes, and Foreign Direct Investment on Economic Growth in Indonesia 2006-2023. This research uses quantitative methods with a descriptive approach. The data source uses secondary data sourced from the Central Statistics Agency, Ministry of Finance, Financial Services Authority, and the National Zakat Amil Agency for 2006-2023. The results obtained show that in the short term the ROA, Tax, and FDI variables have a negative and insignificant impact, while Zakat has a positive and insignificant impact on economic growth. Long-term VECM testing of the ROA and FDI variables has a negative and significant effect, while the Zakat and Tax variables have a positive and significant impact on economic growth.
ARBITRAGE AND INTEREST RATE PARITY: IMPLICATIONS FOR FOREIGN EXCHANGE INVESTORS AND SPECULATORS Febrianto, M. Nanang; Subagiyo, Rokhmat; Aswad, Muhammad
Fokus Ekonomi : Jurnal Ilmiah Ekonomi Vol 20, No 1 (2025): June 2025
Publisher : STIE Pelita Nusantara Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34152/fe.20.1.86-97

Abstract

Globalization has an impact on the development of international trade, which can increase market share. In addition, in foreign exchange trading, currency is not just a transaction tool but also a commodity traded in the foreign exchange market. The study aims to analyze arbitrage and interest rate parity on its implications for foreign exchange investors and speculators. Secondary data used in the study were obtained from books, national and international edited journals, news, and working papers conducted by a literature review. It is found that unstable economic conditions, increased inflation, and speculators can increase the volatility of exchange rate imbalances in the foreign exchange market. exchange rate differences can be utilized by arbitrageurs and will naturally move towards efficiency. However, the enactment of purchasing power parity implies indifferent behavior to invest domestically or internationally because the returns obtained are not greater than domestic. In addition to maintaining foreign exchange stability, intervention policies are needed through controlled floating exchange rates, interest rate policies, maintaining liquidity and capital flows carried out by monetary authorities and central banks, as well as reducing import dependence and increasing exports
Is Investment Intention Affected by Financial Literacy, Financial Knowledge, Motivation, and Technological Developments? Subagiyo, Rokhmat; Budiman, Ahmad; Domastuti, Putri; Bachtiar, Jusuf; Ridlwan, Ahmad Ajib
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.12332

Abstract

Investor intends to put some of one's money in the stock market with the hope of future profits. This study aims to examine the development of technology as an intervention variable for financial literacy, financial knowledge, and motivation on investment intention. This research method provides a quantitative with an associative approach. Data was collected using survey, then analysed using PLS-SEM with WarpPLS. The results show that financial literacy, financial knowledge, and motivation affect students investment intention. However, motivation does not affect investment intention influence technological developments.
Realization of Zakat as A Form of Social Justice in the Perspective of Muhammad Iqbal Waningsih, Reni; Subagiyo, Rokhmat; Adlan, M. Aqim
Interdisciplinary Journal of Advanced Research and Innovation Vol. 2 No. 2 (2024): Interdisciplinary Journal of Advanced Research and Innovation
Publisher : Ravine Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58860/ijari.v2i1.43

Abstract

The problem that occurs in the distribution of zakat is poverty data, which can hinder the process of zakat distribution, causing individuals who are not eligible to receive zakat to feel a lack of social justice. Social justice in Islam, especially through the concept of zakat, is a crucial focus for Muhammad Iqbal. Zakat is not just a ritual obligation but also an instrument to reduce social injustice and strengthen societal solidarity. Iqbal sees it as a practical step to create a more just and balanced society, viewing zakat as a moral and social foundation. This writing aims to explore the realization of zakat as a manifestation of social justice from the perspective of Muhammad Iqbal. The research approach used in this study is qualitative, employing a literature review method to gather data from various sources such as books such as the book “Introduction to Islamic Economics and History of Islamic Economics”, and International journals, sinta 2 and sinta 5, which are relevant to the research as well as other sources that can support the research. The method used in this research involves the analysis of several articles. The results of the research indicate that, according to Muhammad Iqbal, zakat is not only a religious obligation but also a tangible tool for creating a more humane society with social justice.
The Ethical Concept of Production and Distribution in Islamic Economics from the Perspective Of M. N. Siddiqi Sistyamurti, Febintha; Subagiyo, Rokhmat; Adlan, M. Aqim
Interdisciplinary Journal of Advanced Research and Innovation Vol. 2 No. 2 (2024): Interdisciplinary Journal of Advanced Research and Innovation
Publisher : Ravine Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58860/ijari.v2i1.44

Abstract

Islamic economics attempts to regulate human economic activities based on Sharia principles sourced from the Qur'an and Al-hadith. In Islam, human activities are not only assessed as worldly but also spiritually assessed or must think about life in the hereafter, including economic activities. MN Siddiqi focuses his thoughts on economic activities, namely, production, distribution, and takaful. This study aims to determine the concept of production and distribution ethics in Islamic economics from the perspective of M.N. Siddiqi by using a qualitative approach and library research in the form of books, journal literature, and other research results relevant to this research. Based on the results of the study, production, and distribution are activities whose main purpose is to meet the needs of all mankind. In Islamic economics, there is the concept of Islamic economic ethics so that production and distribution activities do not deviate from the main objectives. According to Muhammad Nejatullah Siddiqi, if the ethics of production and distribution are carried out honestly and fairly, it will have a good impact on the Islamic economy in its efforts to meet the needs of all people.
Implementation of Shopeee E-Commerce Business Ethics Based on Maqashid Al-Syari'ah: Abu Ishaq Asy-Syathibi's Thoughts Denytasari, Rizma; Subagiyo, Rokhmat; Adlan, M. Aqim
Interdisciplinary Journal of Advanced Research and Innovation Vol. 2 No. 2 (2024): Interdisciplinary Journal of Advanced Research and Innovation
Publisher : Ravine Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58860/ijari.v2i1.45

Abstract

The concept of Maqashid al-Syari’ah is very important to apply in the context of e-commerce business ethics because the concept of Maqashid al-Syari’ah directs business actions not only to focus on gaining profits but also to pay attention to sustainability and balance in important aspects of life. This research aims to examine the application of Shopee's e-commerce business ethics based on Maqashid al-Syari’ah according to Ash-Syathibi's thought. This research uses a qualitative approach using library research methods. Namely, data is collected by reviewing books and journals that are appropriate to this research, using the phenomenological method, namely data mining that discusses the specifics of this research, and also relies on critical analysis of primary and secondary sources related to this research. The results of this research are that business ethics based on Maqashid al-Syari’ah, according to Asy-Syathibi's thoughts, has a good impact on the sustainability of Shopee's business. By maintaining customer trust and implementing rules in accordance with Maqashid al-Syari’ah, Shopee is increasingly developing and being trusted by the public as a safe and trustworthy e-commerce platform. Apart from that, by maintaining a professional attitude and implementing five basic things that must be adhered to by all sellers, Shopee also provides a good example of running a business based on business ethics that are in accordance with Maqashid al-Syari’ah.
Pengaruh Capital Adequacy Ratio (Modal), Financing to Deposit Ratio (Pembiayaan), dan Biaya Operasional Pendapatan Operasional (Efisiensi) terhadap Return on Assets (Profit) dengan non Performing Financing (Pembiayaan Bermasalah) sebagai Variabel Intervening pada Bank Umum Syariah di Indonesia Periode 2019-2023 Putri, Amilia; Subagiyo, Rokhmat
Journal of Economic and Business Vol 2 No 2 (2025): September
Publisher : Universitas Nazhatut Thullab Al-Muafa Sampang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52298/joebis.v2i2.131

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (Modal), Financing to Deposit Ratio (Pembiayaan), dan Biaya Operasional Pendapatan Operasional (Efisiensi) terhadap Return On Assets (Profit) dengan Non Performing Financing (Pembiayaan Bermasalah) sebagai variabel intervening pada Bank Umum Syariah di Indonesia periode 2019–2023. Menggunakan pendekatan kuantitatif dengan data sekunder dari 10 bank, metode analisis yang digunakan adalah Path Analysis melalui SmartPLS 4. Hasil penelitian menunjukkan bahwa CAR, FDR, dan BOPO berpengaruh positif signifikan terhadap ROA dan NPF. Sementara NPF berpengaruh negatif signifikan terhadap ROA, namun tidak mampu memediasi hubungan CAR, FDR, dan BOPO terhadap ROA. Temuan ini menegaskan pentingnya penguatan manajemen risiko dan kualitas pembiayaan untuk menjaga profitabilitas bank syariah di tengah tantangan efisiensi dan risiko kredit.
Digital transformation of islamic boarding school-based MSMEs in improving local economic competitiveness: A systematic literature review (SLR) Chamidi, Achmad Luthfi Chamidi; Huda, Samsul; Sujianto, Agus Eko; Subagiyo, Rokhmat; Asiyah, Binti Nur
Jurnal Pendidikan Ekonomi (JUPE) Vol. 13 No. 3 (2025)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jupe.v13n3.p200-211

Abstract

This study systematically analyzes the digital transformation of Islamic boarding school-based Micro, Small, and Medium Enterprises (MSMEs) and their role in enhancing local economic competitiveness, with a focus on digital marketing and promotion strategies. Using a Systematic Literature Review (SLR) method, this study synthesizes findings from 14 relevant articles published between 2014 and 2025. The results show that Islamic boarding school MSMEs actively adopt digital marketing through various platforms such as social media (Facebook, Instagram, Instagram Reels, Twitter) and e-commerce to expand market reach and significantly increase sales. Islamic boarding schools are identified as a vital supporting ecosystem, providing human resources (students), alumni networks, and a unique foundation of sharia values, all of which support MSMEs economic activities. However, challenges such as lack of digital literacy, limited capital, and online market competition remain. Therefore, multi-sector collaboration (e.g., the One Pesantren One Product/OPOP program) and institutional and community involvement are key to the success of digital-based MSMEs empowerment. A conceptual visualization model presented in this study illustrates the synergistic relationship between the role of Islamic boarding schools, the development of MSMEs digital capacity, the adoption of marketing strategies, and increasing local economic competitiveness.
The Role of Attitude in Mediating Gen Z’s Intention in Use of Digital Sharia Banking Wartoyo, Wartoyo; Sudrajat, Anton; Wiyani, Silva; Subagiyo, Rokhmat; Haqqiquddin Rokhmatulloh, Muhammad Raisa; Fauzan
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6249

Abstract

Introduction: Dynamic technological developments make a significant contribution to human life. In the banking world, one of the technological developments that has changed the way of transactions is the emergence of payment instruments known as digital banking. Therefore, this research aims to determine the effect of convenience and usefulness on interest in using digital banking with attitude as an intervention variable for Gen Z in Cirebon Regency. Method: The research uses a quantitative approach with the type of non-parametric data. The sampling technique used random sampling with a number of samples are 100 respondents. The data analysis technique uses Structural Equation Modeling (SEM) with the tool is SEM-PLS. Result: The results of the first test show that the Convenience and Usefulness has a significant effect on attitudes to use digital banking. Likewise in the second test show the Convenience, Benefit and Attitude has a significant effect on interest in using digital banking. Whereas the result of mediating test show that the Attitudes have a significant influence as an intervening variable between ease and interest in using digital banking, also has a significant effect as an intervening variable between ease and interest in using digital banking. Conclusion & Suggestion: The findings of this study show that the main factor that attracts Gen Z in using Digital Banking is the ease of use factor, therefore banks must always pay attention to the user interface (UI) and user experience (UX) of their applications. The intuitive design and easy transaction process will be very attractive to Gen Z. In addition to convenience, the benefits offered also need to be more concrete and relevant to the needs of Gen Z. Knowing that attitudes have a very important role in influencing interest, digital banks can build campaigns that focus not only on features and benefits, but also on forming a positive perception of digital banking.
Co-Authors 'Alim, Sarirotul Adi Putra, Silachi Agusta Adlan, Muhammad Aqim Agus Eko Sujianto Ahmad Ajib Ridlwan Ahmad Budiman, Ahmad Ahmad Qosim, Ahmad Ahmad Syaichoni, Ahmad Ahmada, Muhamad Agus Alfiyan Nur Ahsan, Muhamad Anis Sumadi, Mohammad Anton Sudrajat Bachtiar, Jusuf Binti Nur Asiyah Budi Kolistiawan, Budi Burhan Djamaluddin Chamidi, Achmad Luthfi Chamidi denytasari, Rizma Desta, Sri Yulfa Dhani, Rifqi Rama Domastuti, Putri Fauzan Fauzan . Febrianto, M. Nanang Haqqiquddin Rokhmatulloh, Muhammad Raisa Hidayah, Arifah Rohmatul Husnul Haq, Husnul Khudhory, Ahmad Lestari, Lisa Yuni M. Aqim Adlan, M. Aqim Mashudi Mashudi Muhammad Aswad Mutafarida, Binti Nur Asiyah, Binti Oftafiana, Triya Oktaviana, Helmalia Putri, Amilia Qomarul Huda, Qomarul Rizkyaningrum, Adinda Agustinayu Samsul Huda Shoidah, Nadia Nadhirotus Shomad VEA, Moh. Ali Abdul Sistyamurti, Febintha Sulistiyah Syamsiyah, Siti Itsna Ummu Sholihah Usdeldi, Usdeldi Waningsih, Reni Wartoyo Wartoyo Wiyani, Silva Zainal Abidin, Ahmad