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All Journal JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Mozaic : Islam Nusantara Indonesian Journal of Islamic Economics and Business Jurnal Pengabdian kepada Masyarakat Desa (JPMD) Wisanggeni : Jurnal Pengabdian Masyarakat Mizania : Jurnal Ekonomi dan Akuntansi Journal of Accounting and Finance Journal of Aswaja and Islamic Economics Innovation Business Management and Accounting Journal
Asiroch Yulia Agustina
Universitas Nahdlatul Ulama Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Nursing Social Sciences

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ANALYSIS OF FACTORS INFLUENCING GEN Z’s INTEREST IN CENTRAL JAKARTA IN USING LINK AJA SYARIAH WITH THE TAM APPROACH: ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT GENERASI Z DI JAKARTA PUSAT DALAM MENGGUNAKAN LINKAJA SYARIAH DENGAN PENDEKATAN TAM Alfi Syahrin; Nur Khayin Muhdlor; Masfiatun; Asiroch Yulia Agustina
JASIE Vol. 4 No. 02 (2025): DESEMBER
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/jse.v4i02.15434

Abstract

The rapid growth of digital financial technology in Indonesia has accelerated the adoption of electronic wallets, including Sharia-compliant platforms such as LinkAja Syariah. Despite increasing interest in Islamic fintech, limited empirical studies examine how technological acceptance factors interact with religiously grounded brand legitimacy in influencing Generation Z’s adoption behavior. This study aims to analyze the determinants of Generation Z’s intention to use LinkAja Syariah in Central Jakarta by employing an extended Technology Acceptance Model (TAM) that integrates service features, perceived ease of use, perceived security and privacy, perceived usefulness, and brand image. A quantitative survey was conducted among 100 Generation Z respondents, and the data were analyzed using multiple linear regression to test both simultaneous and partial effects. The findings reveal that collectively all independent variables significantly influence intention to use. Partially, perceived ease of use, perceived usefulness, and brand image demonstrate significant positive effects, while service features and security show no significant direct effect. Perceived usefulness emerges as the most dominant predictor. The study contributes to the extension of TAM within the context of Sharia fintech by incorporating brand image and security dimensions and provides practical implications for Islamic digital wallet providers to prioritize functional benefits, user-friendly design, and strong Sharia-based brand positioning to enhance adoption among digital-native users.
Analysis of the Application of Circular Economy Concepts in Coffee Shop Business Muhammad Rafli; Asiroch Yulia Agustina; Nur Khayin Muhdlor
Innovation Business Management and Accounting Journal Vol. 4 No. 2 (2025): April - June
Publisher : Trescode Green Organization

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56070/ibmaj.2025.032

Abstract

This research aims to analyze the application of circular economy principles in the coffee shop business as a step towards creating a sustainable business model. The concept of circular economy focuses on resource optimization by applying the 3R principles (Reduce, Reuse, Recycle) and reducing dependence on limited natural resources. The approach used in this research is descriptive qualitative, through case studies in several coffee shops that have adopted environmentally friendly practices, such as the utilization of recycled materials, processing coffee waste, and reducing the use of single-use plastics. Data collection was conducted through in-depth interviews, direct observation, and documentation tasks. The findings from this study show that implementing a circular economy can improve operational efficiency, create a positive image in the eyes of consumers, and provide both economic and environmental benefits. Although there are some challenges, such as high start-up costs and a lack of business and consumer awareness, the strategy is considered to have the potential to be implemented more widely. The hope of this research is to contribute to small and medium enterprises in developing businesses that are not only financially profitable, but also contribute to environmental conservation.
Pelatihan Perencanaan Keuangan Ala Nabi Yusuf Alaihissalam For Kids Bagi Santri Pesantren Ramadhan Masjid Al-Iqdam Asiroch Yulia Agustina; Nur Khayin Muhdlor; Masfiatun; Ahmad Faishal Zindan
Jurnal Pengabdian kepada Masyarakat Desa (JPMD) Vol. 7 No. 2 (2026): JPMD On Progress
Publisher : LP3M IAIFA Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58401/jpmd.v7i2.3317

Abstract

This Community Service activity aims to introduce the basic concepts of financial systems and wealth management in accordance with Islamic teachings through an innovative approach that integrates the story of Prophet Yusuf Alaihissalam as a learning medium tailored for children. The novelty of this activity lies in the presentation of Islamic financial literacy material, which is not only delivered theoretically but also packaged through the exemplary lessons found in the Quranic story, making it easier to understand, more relevant, and capable of fostering religious awareness at the same time. The activity was held at the Main Hall of Masjid Jami’ Al-Iqdam, Lenteng Agung, South Jakarta, as part of the Ramadhan Islamic Boarding School series of events. This program was designed based on the urgent need to instill Islamic economic values from an early age, so that the younger generation understands that managing finances is not merely a worldly matter, but also a form of worship and a trust that must be accounted for before Allah SWT. The implementation methods included interactive lectures, inspirational storytelling, and hands-on simulation exercises. The material covered the true nature of wealth, the importance of saving, future planning, as well as the principles of justice and honesty, all exemplified by Prophet Yusuf Alaihissalam. The results showed high enthusiasm among participants and a significant improvement in their understanding. This improvement was measured using pre-test and post-test instruments consisting of 12 questions based on 4 indicators, with an average increase in understanding reaching 68.3%
Membangun Kesadaran Ekoteologi dan Refleksi Kebijakan Tatakelola SDA Muhammad Aras Prabowo; Siti Nur Hanifa; Aloys Budi Purnomo; Farid F. Saenong; Nur Arfiyah Febriani; Habsyah Fitri Aryani; Handy Fernandy; Adrinoviarini Adrinoviarini; Asiroch Yulia Agustina; Ahsanul Minan
Wisanggeni: Jurnal Pengabdian Masyarakat Vol. 6 No. 1 (2026): Juni (2026) Wisanggeni : Jurnal Pengabdian Masyarakat
Publisher : Institut Agama Islam Ma’arif NU (IAIMNU) Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25217/wisanggeni.v6i1.7274

Abstract

Repeated flooding on the island of Sumatra over the last decade has shown that hydrometeorological disasters cannot be understood merely as weather-related problems, but rather as a nexus of ecological crisis, Natural Resource (NR) governance, and exploitative patterns of human–nature relations. This community service activity was conducted in the environment of Istiqlal Mosque PKUMI through panel discussions, public dialogues, and the formulation of policy recommendations. The ecotheology framework was employed to connect spiritual dimensions, public ethics, and environmental policy; meanwhile, “ecological repentance” was used as a transformative concept: changes in awareness, behavioral transformation, and policy correction. The results of the activity indicate four main findings: (1) ecotheology is effective as a “moral language” to broaden acceptance of pro-environmental policies; (2) criticism of the technocratic-extractive paradigm needs to be integrated with the principles of precaution and ecological justice; (3) ecotheological education through a love-based/eco-empathy curriculum has the potential to build intergenerational ecological ethics; and (4) policy recommendations emphasize a moratorium on problematic permits, meaningful public participation (FPIC), enforcement of the polluter pays principle, and the reallocation of extractive subsidies for basic services and ecological restoration. The main outputs of this community service activity are policy recommendations and the strengthening of collaborative networks across faith communities, universities, Islamic boarding schools, mass organizations, and policymakers as the foundation of an ecological repentance movement.
Financial Literacy, Religious Attitudes Toward Online Gambling, and Their Impact on The Financial Well-Being of The Younger Generation Asiroch Yulia Agustina; Masfiatun; Nurhadi Fadill; Muhammad Ashlyzan bin Razik
Jurnal Iqtisad Vol 13 No 1 (2026): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v13i1.15650

Abstract

This study is motivated by the increasing number of online gambling cases in Indonesia, which has developed into a serious social, economic, and financial well-being issue for society. West Java Province has recorded the highest number of online gambling cases in Indonesia, involving 535,644 individuals with a transaction value of approximately IDR 3.8 trillion. The high prevalence of online gambling has placed Indonesia in a state of financial health emergency. This study aims to examine and analyze the influence of financial literacy and religiosity on online gambling behavior, as well as its impact on the financial health of the younger generation in Parung District. This study employed a quantitative research design using path analysis with the assistance of SPSS software. The variables examined in this study were financial literacy (X1), religiosity (X2), online gambling behavior (Z), and financial health (Y). The results of Model I show that financial literacy and religiosity have a significant negative effect on online gambling behavior. Meanwhile, the results of Model II indicate that only financial literacy has a significant effect on financial health, whereas religiosity has no significant effect on financial health.
Co-Authors Adrinoviarini Adrinoviarini Ahmad Faishal Zindan Ahsanul Minan Alfi Syahrin, Alfi Aloys Budi Purnomo Awnurropiq Awnurropiq Awnurropiq, Awnurropiq Fadillah, Nurhadi Farid F. Saenong Fatchurrahman, M Habsyah Fitri Aryani Handy Fernandy Khairunnisa Khairunnisa Khoyriyah, Khoyriyah Larasati, Pipit Lubaba, Abu Masfiatun Masfiatun Masfiatun Muhammad Aras Prabowo Muhammad Ashlyzan bin Razik Muhammad Rafli Nur Arfiyah Febriani Nur Khayin Muhdlor Nur Khayin Muhdlor Nur Khayin Muhdlor Nur Khofifah Nurhadi Fadill Nurhusniati, Nurhusniati Saputri, Pungky Lela Siti Nur Hanifa Yudi Yudiana