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All Journal Ikonomika : Jurnal Ekonomi dan Bisnis Islam IJIES (International Journal of Innovation in Enterprise System) ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Journal of Accounting Research, Organization and Economics (JAROE) Tujjar International Journal of Islamic Economics Development Journal of Sustainable Economics Review of Islamic Social Finance and Entrepreneurship
Weni Hawariyuni, Weni
Department of Economics, Kulliyyah of Economics and Management Science International Islamic University of Malaysia
Religion Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Behavioral Intention to Adopt Islamic Financial Technology: Theory of Planned Behaviour with Gender Moderation Utami, Budi Barata Kusuma; Wardiwiyono, Sartini; Hawariyuni, Weni; Abduh, Muhamad; Riadi, Imam
Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Vol. 11 No. 2 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jreksa.v11i2.11041

Abstract

The Islamic banking industry in Indonesia continues to grow, as evidenced by the presence of technology-based services. This study aims to test the application of the theory of plan behavior in explaining customer intention to use Islamic financial technology by adding gender variables as moderators. Primary data were collected from 298 Islamic fintech users through direct and online surveys. The sample was selected based on the purposive sampling technique. Using PLS MGA analysis, this study found that attitude, subjective norms, and perceived behavioral control positively affect the intention to use Islamic fintech, except for perceived behavioral control in the male gender. Using the MGA, Parametric, and Welch-Satterthwait tests, the study also revealed no significant difference between males and females in utilizing Islamic fintech. This study expands the understanding of psychological and social factors in adopting Islamic fintech. It also contributes to the literature by filling the research gap that has not considered gender moderation in adopting Islamic fintech.
Do The Socio-Economic Status, Religious Attitudeand Customer Perception Impact On Customer Behavior? : Islamic Banking Case Yuliaty, Tetty; Dalimunthe, Doli Muhammad Jafar; Hawariyuni, Weni
IKONOMIKA Vol 7, No 2 (2022)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v7i2.15827

Abstract

This study aims to investigate customer behavior at Islamic banks,Indonesia. This research was analyzed by using path analysis approach involving 200 respondents as customers at several Islamic banks in Medan, Indonesia. Based on this research show the socio-economic status and religious attitudes have positively and significantly impactto customer behavior. On the other hand, socio-economic status and religious attitude are also positively and significantly impact for customer perceptions. Customer perceptions have the implication to increase positive customer behavior, sharia banking managers in Indonesia need to foster the religiosity of customers and target prospective customers who have good religiosity and good socio-economic status.
Long term nexus between digitalization and macroeconomy on zakat collection in Indonesia Suprayitno, Aryadimas; Hawariyuni, Weni; Pratomo, Wahyu Ario; Hasibuan, Widya Sartika; Andrasari, Monika; Widiastuti, Tika; Susanto, Arva Athallah
Review of Islamic Social Finance and Entrepreneurship Volume 4 Issue 2, 2025
Publisher : Center for Islamic Economics and Development Studies [P3EI]

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/RISFE.vol4.iss2.art4

Abstract

Purpose – This study aims to investigate the long-term and short-term impacts of digitalization and macroeconomic factors on zakat collections in Indonesia. It explores and validates the successful use of the Internet and a country's economic conditions to maximize zakat collection.Methodology – This study employs annual time series data from 1991 to 2024 to examine zakat collections in Indonesia, with digitalization and macroeconomic performance as the key exogenous variables. The selected period captures major economic disruptions, including the Asian Financial Crisis, 2008 global financial crisis, and post-pandemic recovery. The Autoregressive Distributed Lag (ARDL) model was applied to assess the long-short dynamic relationship effect among the variables.Findings – This study addresses hypothesis by empirically confirms that the integration of digitalization and macroeconomic improvements plays a pivotal role in enhancing zakat collections in Indonesia. The findings reveal a favorable long-term and short-term impact of digitalization on zakat collection, and long-term positive effects and short-term negative effects of macroeconomic conditions.Implications – This study provides critical insights for BAZNAS and other zakat institutions in designing and implementing sustainable digital strategy policies that enhance zakat mobilization and management efficiency. By integrating digital transformation initiatives with a forward-looking approach to future economic dynamics, zakat organizations can strengthen transparency and improve donor engagement.Originality – This research presents a unique contribution by addressing the scarcity of studies on zakat collections that incorporate both long-term and short-term analyses. Furthermore, research incorporating macroeconomics and digitalization as external factors in the study of zakat remains limited.
The Role of Smart Contracts in Enhancing Mudharabah Contracts in Islamic Finance Zulfikri, Zulfikri; Hawariyuni, Weni; Nurlia, Nurlia
TUJJAR INTERNATIONAL JOURNAL OF ISLAMIC ECONOMICS DEVELOPMENT Vol 1 No 2 (2023): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v1i2.6444

Abstract

Islamic finance principles emphasize fairness, transparency, and risk-sharing in financial transactions, with Mudharabah contracts being a prominent embodiment of these principles. This research explores the transformative potential of blockchain-based smart contracts in Mudharabah arrangements. Smart contracts offer automated, transparent, and Shariah-compliant execution of Mudharabah agreements, addressing traditional challenges such as information asymmetry, moral hazard, and trust issues. By enabling real-time profit and loss sharing, risk management, and streamlined dispute resolution, smart contracts enhance the efficacy and trustworthiness of Mudharabah partnerships. The objective of this study is to examine the potential of Smart contracts in addressing the limitations and enhancing the Mudharaba contract, with the intention of its potential application by Islamic financial institutions. The findings show that the application of smart contracts has the potential to significantly enhance the technological, operational, and Sharia compliance aspects of the Mudharaba contract.
Proposing Blockchain Technology Based Zakat Management Model to Enhance Muzakkis Trust in Zakat Agencies: A Conceptual Study Zulfikri, Zulfikri; Hj Kassim, Salina; Hawariyuni, Weni
Journal of Accounting Research, Organization and Economics Vol 4, No 2 (2021): JAROE Vol. 4 No. 2 August 2021
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jaroe.v4i2.20467

Abstract

Objective This study proposes a conceptual framework of Zakat based management model using blockchain technology with its transparent, secure, auditable, and efficient system in order to enhance the trust in zakat agencies.Design/methodology This study is based on literature and theoretical reviews. This study took BAZNAS as the model of the Indonesian zakat agency to use Blockchain-based zakat payment on which zakat payers can track the fund allocated to the beneficiaries directly.Results This research demonstrates the importance of Blockchain and smart contract technologies in zakat management by developing a model that combines zakat management agencies with the components of Blockchain and smart contract technologies.Research limitations/implications The proposed model can contribute to the sustainability and efficiency of zakat agencies and is in line with the poverty eradication effort in Indonesia.
Proposing an Integrated Islamic Microfinance Model in Alleviating Poverty and Improving the Performance of Microenterprises in Indonesia Hawariyuni, Weni; Hj. Kassim, Salina
Journal of Accounting Research, Organization and Economics Vol 2, No 2 (2019): JAROE, Vol.2 No.2 August 2019
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jaroe.v2i2.14630

Abstract

Objective This study proposes an integrated Islamic microfinance model in alleviating poverty and improving the performance of microenterprises based on a case study of Indonesia, by focusing specifically on BRI Microbanking.Design/methodology This study adopts the exploratory study to construct the integrated Islamic microfinance with the purpose to alleviate poverty and enhance the business performance of enterprises.Results As Islamic microfinance is known widely due to the high demand from Muslim countries. Since, it plays a crucial role effectively in alleviating poverty and developing the business performance on enterprises, particularly on microenterprises. Presently, many scholars attempted to build a successful Islamic microfinance model by using Islamic financing instruments such as mudarabah, musyarakah, and murabahah. This study attempts to build an integrated Islamic microfinance model by using BRI Syariah Micro as a case study. It is expected that this integrated Islamic microfinance model can enrich existing models in terms of social and economic aspects.Originality/Value This research concentrates on proposing an integrated Islamic microfinance model based on the case study of BRI Syariah Microbanking. There seems to be a gap in the literature on the actual implementation of integrated Islamic microfinance in the world. The study highlights major factors to be emphasized to ensure the effectiveness of proposing an integrated Islamic microfinance model for BRI Syariah micro banking to alleviate poverty and to improve the performance of microenterprises.
Analyzing Success Factors of Enterprise Resource Planning Adoption using Analytical Hierarchy Process Hawariyuni, Weni; Sentosa, Assoc. Prof. Dr. Ilham; Gadar, Assoc. Prof. Dr. Kamisan bin; Khrisnan, Dr. K Sarojini; Fatimah, Hilmi Azmi; Trisminingsih, Rina
International Journal of Innovation in Enterprise System Vol. 2 No. 1 (2018): International Journal of Innovation in Enterprise System
Publisher : School of Industrial and System Engineering, Telkom University

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

Abstract

Successful Enterprise Resorce Planning ERP system adoption in the company is one of the keys for the continuity of the company's business. On ERP adoption, there a lot of financials, time and human resources are invested on ERP adoption, so there must be an evaluation of ERP system to assess whether the ERP system adoption is successful or not. Some models have been developed by some researchers to assess the evaluation of ERP success. Each model has important factors used to assess the success of ERP. This study analyzes several factors that measure ERP success derived from several ERP success models to identify the important degree of each factor. The method used in this research is Analytical Hierarchy Process (AHP) with the assessment data obtained from 3 experts who have the competence and experience regarding ERP system. The results of this study found that the benefit of use, organizational impact, and user satisfaction are the 3 main subfactors with the highest important degree values. Keywords—Analytical Hierarchy Process, ERP success factors, ERP success model
The understanding of the Islamic community's intention toward religious tourism Mu'ammar, Zuhdi; Sudarsono, Heri; Rahmi, Asri Noer; Hawariyuni, Weni
Asian Journal of Islamic Management (AJIM) VOLUME 5 ISSUE 2, 2023
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AJIM.vol5.iss2.art3

Abstract

Purpose – This study aims to analyze the influence of attitudes, subjective norms, perceived behavioral control, service quality, and religious tourism literacy on people's intention in recommending and returning to religious tourism destinations.Research methods – The data source for this research was a survey method with a questionnaire distributed via broadcast on social media. This research uses a quantitative data processing method using structural equation modeling partial least squares (SEM-PLS) analysis with the SmartPLS 3.3 statistical tool.Findings – The results of this study show that subjective norms (SN), attitudes (ATT), and religious tourism literacy (RTL) have a significant influence on the intention to recommend and revisit religious tourism. Meanwhile, service quality (SQ) and perceived behavioral control (PBC) were not accepted and did not have a significant effect on the intention to recommend and revisit religious tourism.Implications – The government can also focus on developing religious tourism literacy programs to increase public knowledge, which, in turn, can enhance interest, positive attitudes, and the intention to recommend and revisit. Considering these implications, destination managers and stakeholders can design more effective strategies to enhance attractiveness and visitor satisfaction and contribute to the sustainable development of religious tourism.Originality – This model adopts the Theory of Planned Behavior (TPB) by incorporating service quality and religious tourism literacy. Service quality and religious tourism literacy are considered appropriate factors to capture issues related to the community's intention to recommend and revisit religious tourism destinations
The Determinants of Capital Structure of Islamic Banks in Indonesia, Malaysia, and Brunei Darussalam Hawariyuni, Weni; Suprayitno, Aryadimas
Journal of Sustainable Economics Vol. 1 No. 2 (2023): Journal of Sustainable Economics
Publisher : TALENTA PUBLISHER UNIVERSITAS SUMATERA UTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/jse.v1i2.14323

Abstract

This study is to determine the effect of Profitability, Liquidity, Asset Growth, Bank Size, and Asset Structure on the Capital Structure of Islamic banks in Indonesia, Malaysia, and Brunei Darussalam. The type of research used is descriptive quantitative, which is a descriptive approach with a quantitative approach. The analysis technique used is panel data regression with fixed effect model is the selected model. The population used in this study is Islamic banks in Indonesia, Malaysia, and Brunei Darussalam. The data was collected from Asian Banker website for 27 banks. The sample selected using purposive sampling method was 22 Islamic banks in Indonesia, Malaysia and Brunei Darussalam which consistently published annual reports during 2015-2021 period. Data collection was carried out using secondary data in the form of annual reports of 22 banks during the 2015-2021 period. The results showed that the Profitability and Asset Growth variables had a positive and insignificant effect on Capital Structure, Liquidity had a negative and significant effect on Capital Structure, and Bank Size and Asset Structure had a significant positive effect on Capital Structure.
Sustainability of Islamic Bank Financing across Macroeconomic and Internal Factors Suprayitno, Aryadimas; Susanto, Arva Athallah; Hawariyuni, Weni
Journal of Sustainable Economics Vol. 2 No. 2 (2024): Journal of Sustainable Economics
Publisher : TALENTA PUBLISHER UNIVERSITAS SUMATERA UTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/jse.v2i2.18433

Abstract

The sustainability of Islamic banking financing can be evaluated by examining the dynamics of financing risk, as an escalation in financing risk may lead to significant losses for banks. This study aims to investigate the long-term and short-term effects of internal factors and macroeconomic conditions on the financing risk encountered by Islamic banks in Indonesia. This study utilizes quarterly time series data from 2015 to 2023, with Financing Risk as the endogenous variable and Macroeconomics, Capital, Efficiency, and Bank Performance as the exogenous factors. This study utilizes Autoregressive Distributed Lag (ARDL) analysis technique. The results indicate that, over the long term, internal factors such as capital, efficiency, and performance substantially affect financing risk. Capital exerts a detrimental influence, although both efficiency and the performance of Islamic banks positively affect financing risk. In contrast, macroeconomic factors are found to exert no substantial influence on financing risk. In the short term, capital and efficiency exert considerable effects, with capital adversely influencing financing risk and efficiency favorably improving it. The performance of Islamic banks does not substantially influence financing risk throughout this period. Macroeconomic conditions are observed to positively affect financing risk. This study's conclusions offer significant insights for analysts of Islamic banking risk, facilitating educated short-term and long-term decision-making to more effectively predict variations in financing risks.
Co-Authors Budi Barata Kusuma Utami Dalimunthe, Doli Muhammad Jafar Fatimah, Hilmi Azmi Gadar, Assoc. Prof. Dr. Kamisan bin Hasibuan, Widya Sartika Heri Sudarsono Hj Kassim, Salina Hj. Kassim, Salina Imam Riadi Kassim, Salina Hj Khrisnan, Dr. K Sarojini Mu'ammar, Zuhdi Muhamad Abduh, Muhamad Nurlia Nurlia Rahmi, Asri Noer Sentosa, Assoc. Prof. Dr. Ilham Suprayitno, Aryadimas Susanto, Arva Athallah Tetty Yuliaty Tika Widiastuti Trisminingsih, Rina Wahyu Ario Pratomo Wardiwiyono, Sartini Zulfikri Zulfikri, Zulfikri