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All Journal EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam JIET (Jurnal Ilmu Ekonomi Terapan) Jurnal Ekonomi dan Bisnis Islam Falah : Jurnal Ekonomi Syariah Jurnal Ilmiah Ekonomi Islam AKRUAL: Jurnal Akuntansi Al-Daulah : Jurnal Hukum dan Perundangan Islam al-Uqud : Journal of Islamic Economics Pendas : Jurnah Ilmiah Pendidikan Dasar EQUILIBRIUM: Jurnal Ilmiah Ekonomi dan Pembelajarannya JPP IPTEK (Jurnal Pengabdian dan Penerapan IPTEK) Shirkah: Journal of Economics and Business Syarikat : Jurnal Rumpun Ekonomi Syariah Iqtishoduna: Jurnal Ekonomi Islam J-Dinamika: Jurnal Pengabdian Kepada Masyarakat IMANENSI: Jurnal Ekonomi, Manajemen dan Akuntansi Islam Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Abdi Masyarakat (JAM) Journal of Economics, Business, and Government Challenges Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Didaktik : Jurnal Ilmiah PGSD STKIP Subang Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah PROFICIO: Jurnal Pengabdian Masyarakat Humantech : Jurnal Ilmiah Multidisiplin Indonesia Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Al-Muamalat : Jurnal Ekonomi Syariah Abimanyu: Journal of Community Engagement Educenter: Jurnal Ilmiah Pendidikan Jurnal Ekonomika dan Bisnis Islam Nautical: Jurnal Ilmiah Multidisiplin Indonesia Jurnal Ekonomi Syariah dan Bisnis SIGEH ELT : Journal of Literature and Linguistics Formosa Journal of Applied Sciences (FJAS) Jurnal Pengabdian Masyarakat: BAKTI KITA Sureq: Jurnal Pengabdian Masyarakat Berbasis Seni dan Desain Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Excellence Al-Hiwalah : Journal Syariah Economic Law Journal of Economics Journal of Economics, Entrepreneurship, Management Business and Accounting Socius: Social Sciences Research Journal Neraca Manajemen, Akuntansi, dan Ekonomi Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam EDUCENTER JURNAL PENDIDIKAN Jurnal Hasil-Hasil Pengabdian dan Pemberdayaan Masyarakat (JHP2M) Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Jurnal Ekonomi, Manajemen, Akuntansi JIES : Journal of Islamic Economics Studies Welfare: Jurnal Pengabdian Masyarakat Edumaspul: Jurnal Pendidikan ZISWAF: Jurnal Zakat dan Wakaf
Ach. Yasin
Universitas Negeri Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Islamic Mobile Banking Adoption: An Extended UTAUT Perspective Integrating Electronic Service Quality and Perceived Cyber Security Ach Yasin; Imamuddin Imamuddin; Ahmad Ajib Ridlwan; Sri Herianingrum
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 10 No. 2 (2026): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v10i2.9278

Abstract

Information technology has fundamentally transformed the economic sector, significantly accelerating the adoption of digital financial services, including mobile banking. In Indonesia, although mobile banking usage has been rising sharply, its adoption in Islamic banking remains relatively limited, with approximately 11.47 million users compared to 97.22 million in conventional banking. This disparity highlights a critical research gap. Given Indonesia’s leading position in the global Islamic finance Development index, it is imperative to investigate the factors influencing the adoption of Islamic mobile banking. Accordingly, this study aims to examine and analyse the determinants of intention to use Islamic mobile banking services. Data are collected from 302 respondents in Indonesia and analysed using partial least squares structural Equation modelling. This study finds that constructs within the UTAUT model, namely Performance Expectancy, Social Influence, and Facilitating Conditions, significantly influence Behavioural Intention to continue using Islamic mobile banking, albeit with small effect sizes. In contrast, Effort Expectancy shows no significant effect. The variables of e-Service Quality, Perceived Expected Benefits, and Perceived Cyber Security significantly affect Behavioural Intention. These findings provide empirical evidence on the key factors driving the continued use of Islamic mobile banking. The findings indicate that enhancing Perceived Expected Benefits is essential. Islamic banks prioritise their policies to ensure that all features are transparent and fully aligned with Sharia principles, optimise communication about the benefits of mobile banking, and strengthen their cybersecurity infrastructure to facilitate broader adoption within society.
Analisis Faktor-Faktor yang Mempengaruhi Minat Deposito Mudharabah di Bank Syariah Indonesia (BSI) di Jawa Timur Akhlis Fatikhul Islam; Ach Yasin
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 2 (2025): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n2.p1-19

Abstract

Islamic banking in Indonesia, especially in East Java, has enormous potential due to the dominant Muslim population that can contribute significantly to the regional economy. However, the level of public participation in using Islamic banking services, especially mudharabah savings, remains low. Therefore, an in-depth study is needed to understand the factors that influence the decision to choose mudharabah deposits in Bank Syariah Indonesia. The purpose of this study is to analyze the factors that can influence the interest of the people of East Java in using mudharabah deposits at Bank Syariah Indonesia (BSI). The method used is a quantitative approach with SEM-PLS analysis. Data was obtained through questionnaires distributed to the people of East Java, resulting in 289 samples for analysis. The results of the analysis indicate that interest in BSI mudharabah deposits is significantly influenced by the variables of attitude toward behavior, religiosity, and risk perception. On the other hand, the variables of subjective norm and perceived behavioral control have not been able to exert a significant influence on interest in BSI mudharabah deposits.
Implementation of CSR Programs by Tjoekir Sugar Factory Towards the Welfare of Cukir Village Community Muhammad Ferdiyansyah; Ach. Yasin
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 2 (2025): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n2.p57-64

Abstract

This study aims to analyze the implementation of Corporate Social Responsibility (CSR) programs carried out by Pabrik Gula (PG) Tjoekir and their impact on the welfare of the community in Cukir Village. The research employed a descriptive qualitative approach using interviews, observations, and documentation as data collection techniques. The results indicate that PG Tjoekir’s CSR initiatives are categorized into four main sectors: economy, socio-cultural, infrastructure, and health. In the economic sector, the company implements sugarcane farming partnerships and entrepreneurship training. However, employment through fixed-term contracts (PKWT) is excluded from CSR since it is part of the company’s operational activities governed by tax law No. 36 of 2008 and Company Law No. 40 of 2007. In the socio-cultural domain, the company supports religious and cultural events such as the Haul of Gus Dur and contributes to the construction of worship facilities. In the infrastructure sector, CSR contributions include road development and the normalization of 2,700 meters of irrigation canals. In the health sector, PG Tjoekir facilitates free medical services, fogging, and the distribution of food packages and vitamins to the community. Overall, these programs have had a positive impact on improving community welfare, although the benefits are not yet fully equitable and participatory. The study concludes that PG Tjoekir's CSR addresses key aspects of the Triple Bottom Line and Maqashid Shariah values. However, improvements are needed in transparency, impact evaluation, and community engagement to ensure inclusive and sustainable development.
HOW RELIGIOSITY, KNOWLEDGE, AND CHARACTERISTICS OF MUZAKKI AFFECT ZAKAT COMPLIANCE Ach Yasin; Rachma Indrarini; Sri Abidah Suryaningsih
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 8 No. 1 (2022): JANUARY-JUNE 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v8i1.31147

Abstract

Several things affect the achievement of targets, such as internal and external factors of the zakat management organization. The level of compliance with paying zakat is one of the external factors that can affect the receipt of zakat. So, this research will examine indicators that affect the level of compliance to pay zakat in Indonesia, using religiosity, knowledge, and characteristics of muzakki. The approach in this research is a quantitative approach with probit regression. This research collects 200 respondents as samples from Muslim-majority areas, such as East Java, Yogyakarta, Central Java, and South Sulawesi. It is hoped that this research will find indicators that can influence the level of muzakki compliance in paying zakat. The probit regression results, of all the variables used, there are two significant variables, namely religiosity and knowledge. Meanwhile, demographic variables such as age, income, education, marital status, and gender are insignificant because some people who pay zakat are not based on whether they have reached nishab. They always set aside 2.5% of their income for zakat after payday. The statement reinforces other evidence that people who pay zakat in Indonesia are more driven by factors of faith and trust. Theoretically, this study offers a new research model to explain muzakki compliance in paying zakat. Empirically, this research contributes to zakat managers' focus programs on increasing religiosity and knowledge of muzakki.
Pengaruh Literasi Keuangan Syariah, Persepsi Risiko, Sikap, Norma Subjektif, Dan Persepsi Kendali Perilaku Terhadap Minat Berinvestasi Emas Dela Akira Rimadani; Ach. Yasin
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20366

Abstract

The low interest of Generation Z in gold investment is a contradictory phenomenon amid increasing investment awareness and easy access to investment platforms in Indonesia, especially in East Java, with has the second-largest Generation Z population in Indonesia. This study aims to analyze the influence of Islamic financial literacy, risk perception, attitudes, subjective norms, and perceived behavioral control on the interest in gold investment of Generation Z in East Java. This study uses a quantitative approach with primary data collected through questionnaires and analyzed using SEM-PLS (SmartPLS3). The results of the study indicate that the variables of Islamic financial literacy, risk perception, attitudes, subjective norms, and perceived behavioral control significantly influence Generation Z's interest in gold investment of Generation Z in East Java. Therefore, the government, financial institutions, and investment service providers should design more effective Islamic financial education programs or risk management for Generation Z, in order to encourage interest in gold investment.
Faktor-Faktor yang Memengaruhi Niat Membeli Kosmetik Halal yang Ramah Lingkungan di E-commerce: Perluasan Model UTAUT 2 dengan Variabel Trust dan Label Halal Lailatul Mufidah; Ach. Yasin
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20432

Abstract

Growing public awareness of environmental issues is driving changes in consumer behavior toward choosing more environmentally friendly products, including cosmetics. At the same time, digital advancements have made it easier for consumers to make online purchases through e-commerce. This study aims to analyze the factors that may influence the intention to purchase eco-friendly halal cosmetics via e-commerce among residents of East Java, using an extension of the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) model that incorporates the variables of trust and halal labeling. A quantitative approach was used. The study used purposive sampling, with a total of 414 respondents. Data analysis was performed using the PLS-SEM (Partial Least Squares - Structural Equation Modeling) method. The results of the study indicate that effort expectancy, facilitating conditions, hedonic motivation, price-value, habit, and trust have a significant positive influence on the intention to purchase eco-friendly halal cosmetics on e-commerce platforms. Meanwhile, performance expectancy, social influence, and the halal label do not significantly influence the intention to purchase eco-friendly halal cosmetics on e-commerce platforms.
Pengaruh Literasi Halal, Labelisasi Halal, dan Gaya Hidup Terhadap Keputusan Pembelian Minuman Halal Dalam Kemasan Pada Masyarakat Muslim di Kota Surabaya Eva Natasha; Ach. Yasin
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20530

Abstract

The growing consumption of packaged beverages among Muslims, along with the growth of the halal industry, has made halal literacy, halal labeling, and lifestyle key factors influencing purchasing decisions. However, there are still differences in consumer understanding of product halalness, attention to halal labels, and diverse lifestyles that influence purchasing behavior. This study aims to analyze the influence of halal literacy, halal labeling, and lifestyle on halal drinks packaged beverage purchasing decisions among the Muslim community in Surabaya. This research is a quantitative study with an associative research design. The study was conducted in Surabaya, with Muslim consumers of packaged beverages as subjects. The data source used was primary data obtained through questionnaires. Data analysis was performed using multiple linear regression with SPSS through instrument testing, classical assumption testing, t-tests, F-tests, and coefficient of determination tests. The results showed that halal literacy, halal labeling, and lifestyle partially and simultaneously had a positive and significant influence on purchasing decisions for packaged beverages among Muslims in Surabaya. This study concluded that halal literacy, halal labeling, and lifestyle are important factors in increasing purchasing decisions for packaged beverages. Therefore, the government, BPJPH (Indonesian Food and Drug Authority), and business actors are advised to improve halal literacy education, strengthen the implementation of halal labeling, and develop marketing strategies that align with the lifestyles of Muslim consumers.
Pengaruh Label Halal, E-WoM, FoMO, dan Brand Trust Terhadap Keputusan Pembelian Produk Skincare Halal Erika Dewi Ari Mita; Ach. Yasin
Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v7n3.p117-120

Abstract

This research aims to determine and analyze the effect of halal labels, E-WoM, and FoMO on purchasing decisions for halal skincare products with brand trust as a moderating variable in Muslim communities in Tuban Regency. The research method is applied through a quantitative approach, with primary data collection through questionnaires distributed online in the form of Google forms. Sampling was carried out through purposive sampling technique with the criteria that respondents were people in Tuban Regency who were Muslim, aged 18 to 30 years, had bought and used halal skincare. The results of this study indicate that halal labeling, E-WoM, and brand trust have a significant influence on halal skincare purchasing decisions, while FoMO has no significant effect on halal skincare purchasing decisions. This shows that the Muslim community in Tuban Regency does not experience FoMO regarding halal skincare, but when making decisions to purchase halal skincare Muslim communities in Tuban Regency consider the halal label, E-WoM, and also brand trust.
PENGARUH HALAL AWARENESS, SOCIAL MEDIA MARKETING, DAN CITRA DESTINASI TERHADAP NIAT BERKUNJUNG WISATAWAN MUSLIM KE DESTINASI WISATA RAMAH MUSLIM DI JAWA TIMUR Bagas Adiyaksa Wibawa; Ach. Yasin
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 12 No. 03 (2026): Volume 12 No. 03, September 2026 Published
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v12i03.17990

Abstract

This study analyzes the effect of Halal Awareness, Social Media Marketing, and Destination Image on Muslim tourists' visit intention toward Muslim-friendly tourism destinations in East Java, a province with a large Muslim population and considerable but not yet optimally developed halal-tourism potential. A quantitative associative approach was employed through an online survey (Google Form) using a Likert scale, distributed to Muslim tourists selected through purposive sampling. Data were analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM) with SmartPLS, covering outer model testing (convergent and discriminant validity, reliability), inner model testing (collinearity, R-square, Q-square, F-square), and hypothesis testing via bootstrapping. The results show that Halal Awareness and Destination Image each have a significant positive effect on visit intention, while Social Media Marketing has no significant direct effect. The three variables jointly contribute to explaining visit intention, though a considerable share of its variance remains unexplained by the model. These findings indicate that Muslim tourists' decisions are primarily value-driven, guided by halal awareness and destination image, while social media functions only as a complementary information channel rather than a direct determinant of visit intention. The study recommends that destination managers and local governments strengthen halal facility development, reinforce destination branding as Muslim-friendly, and redesign social media content to explicitly highlight halal attributes.
PERAN PERCEIVED SHARIAH COMPLIANCE DALAM MEMEDIASI PENGARUH ISLAMIC FINANCIAL LITERACY, TRUST, DAN SKEPTICISM TERHADAP BEHAVIORAL INTENTION MENGADOPSI BANK SYARIAH Akhmad Syaiful Ghifari; Ach. Yasin
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 No. 03, September 2026 Release
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i03.60581

Abstract

The growth of the Shariah banking industry in Indonesia has not been matched by an optimal increase in market share; therefore, it is necessary to examine the factors influencing public intention to adopt Shariah banking. This study aims to analyze the effects of Islamic Financial Literacy (IFL), Trust, and Skepticism on the Behavioral Intention to Adopt Sharia Banking, with Perceived Shariah Compliance (PSC) serving as a mediating variable. A quantitative approach with an explanatory design was employed. The sample consisted of 190 individuals of productive age who had never used Sharia banking services, selected via purposive sampling. Data were collected through questionnaires and analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS software. The results indicate that Islamic Financial Literacy, Skepticism, and Perceived Shariah Compliance significantly influence Behavioral Intention, whereas Trust does not have a direct effect on Behavioral Intention. Additionally, Islamic Financial Literacy, Trust, and Skepticism significantly influence Perceived Shariah Compliance. Mediation analysis reveals that Perceived Shariah Compliance partially mediates the relationships of Islamic Financial Literacy and Skepticism with Behavioral Intention, while fully mediating the relationship between Trust and Behavioral Intention. These findings confirm that public perception of Shariah compliance is the most dominant factor in increasing the intention to adopt Shariah banking. This study contributes to the literature on consumer behavior and Shariah banking marketing and offers insights for the Shariah banking industry to enhance Islamic financial literacy, strengthen trust, reduce skepticism, and improve public Perceived Shariah Compliance.  
Co-Authors A'rasy Fahrullah Abiyyah Muhammad ADAM DAMANHURI Ahmad Ajib Ridlwan Ahmad Ajib Ridlwan Akhlis Fatikhul Islam Akhmad Syaiful Ghifari Al Baqiyyatus Sholihah, Milda Alvino Rezandy Alvino Rezandy Amanto, Sudrajat Ananda, Amtricia Andi Zamroni Azhar Andrian Dwi Andrian Dwi Rahmad Firdaus Angelo Zauqi Rafl Priambodo Anwar Adem Shikur Arifin, Irfan Athi` Hidayati Aulia Siska Puspita Dewi A’rasy Fahrullah Bagas Adiyaksa Wibawa Berlian Febrianti Billah, Arifah Bimantoro, Surya Ageng Chiquita Kumala Putri Subagjo Clarashinta Canggih Daffa Fadhillah Burhanudin Dardiri, Masyudan Dela Akira Rimadani Desnita Dwireni Devano Hayunda Fachrizal Dhini, Ulfa Rahma Diansyah, Ahmad Zubadar Oktorifal Durratul Haninda Is'ad Dwiarni, Aldavia Hesti Dzakiy Askhiya Erika Dewi Ari Mita Estiningtyas, Indri Wasa Eva Natasha Fadhillah S, Nurul Fahrullah, Farichah, Syayyidati Fikriyah, Ashfa Fikriyah, Khusnul Fitriah Dwi Susilowati Frihatmawati, Rizky Gladis Nabilah Widya Dana Hamzah Rabani, Muhammad Hendry Cahyono Hidayah, Syarifatul Hilda Monoarfa Himmatul kholidah Hujjatullah Fazlurrahman Ikhsanudin Sukron Imamuddin Imamuddin Imroatul Chasanah Imron Mustofa Intan Nurhasanah Irfan Ramis Kharisma, Ikke Kurniawan , Rahmat Kurniawan, Muhammad Ridho Hafid Ladi Wajuba Perdini Fisabilillah Lailatul Mufidah Larasati, Anita Latifah Wulandari, Fanny Leny Hikmah Rentiana Mahmudah, Latifatul Maria Monica Sianita Basukiwardojo Maulita Cahyani Moch. Khoirul Anwar Moch. Khoirul Anwar Monoarfa, Hilda Mubarok, Alrojak Muhammad Akbar Maulana Muhammad Andika, Muhammad Muhammad Fajar Wahyudi Rahman Muhammad Ferdiyansyah Muhammad Hamzah Rabani Muhammad Muhaemin Nanda, Annisa Amalia Eka Nita Kusumawati Nur Annisa Fitri Nur Muzayyanatul Hidayah Nurafini, Fira Nurillah, Shinta Lintang Nurwinsyah Rohmaningtyas Prabowo, Prayudi Setiawan Printa Angelina, Yunika Purnama, Andry Priyadharmadi Rachma Indrarini Rachma Indrarini Rachmawati, Desy Wulan Rahayu, Nunik Tri Ramadhina, R. Mekar Liza Ramdani Ramdani R Ramdani Ramdani Ridlwan, Ajib Riska Febriana Rizqi, Ahmad Fatkhur Robert Shobary Rosyadi, M. Syam’un Rusida, Desy Khoirur Sabana Nouvan Ilman Saifuddin, Muhammad Azhar Santi Ariyani Shikur, Anwar Adem Shinta Lintang Nurillah Sri Abidah Suryaningsih Sri Abidah Suryaningsih Sri Handajani Sri Herianingrum Sulistyowati Sulistyowati Tegar Qodri Nugroho Tika Widiastuti Tiwik Widyaningsih Ummah, Siti Safi'atul Wulandari, Sri Riski Yan Putra Timur Yati BT Samsuddin Yayuk Sri Rahayu Zulfa, Fina Lailiz