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All Journal Jurnal Ekonomi Syariah Teori dan Terapan JURNAL EKONOMI DAN BISNIS AIRLANGGA Journal of Information Systems Engineering and Business Intelligence Al-Ihkam: Jurnal Hukum dan Pranata Sosial Jurnal Ekonomi dan Bisnis Islam al-Uqud : Journal of Islamic Economics Al-Muzara'ah Pendas : Jurnah Ilmiah Pendidikan Dasar AFEBI Islamic Finance and Economic Review Shirkah: Journal of Economics and Business Iqtishoduna: Jurnal Ekonomi Islam Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam Indonesian Journal of Halal Research Journal of Economics, Business, and Government Challenges Indonesian Journal of Electrical Engineering and Computer Science Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Airlangga International Journal of Islamic Economics and Finance PROFICIO: Jurnal Pengabdian Masyarakat JRABA Indonesian Journal of Society Development (IJSD) Journal of Islamic Economics Lariba IIJSE International Conference on Islamic Economic Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Kubis Indonesian Journal of Islamic Literature and Muslim Society Journal of Ekonomics, Finance, and Management Studies As-Syirkah: Islamic Economic & Financial Journal Journal of Islamic Economic Laws
Yan Putra Timur
Universitas Negeri Surabaya
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences Other

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HOW SHARIA MICROFINANCE INFLUENCES INFORMAL SECTOR ENTREPRENEURSHIP IN INDONESIA? Arsyad, Ahmad; Ramadhanty, Rifka Putri; Ryandono, Muhammad Nafik Hadi; Timur, Yan Putra
Airlangga International Journal of Islamic Economics and Finance Vol. 8 No. 02 (2025): July-December 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v8i02.78719

Abstract

This study examines the impact of Islamic microfinance on informal businesses in Indonesia, controlling for conventional bank credit, education, population density, and per capita income. Using panel data from 34 provinces (2013–2024) and a Fixed Effects regression model, the analysis shows that Islamic microfinance has a positive but insignificant effect on informal business numbers. Conventional credit also has an insignificant negative effect, while higher education significantly promotes informal entrepreneurship. Population density has a negative but insignificant impact. The findings suggest that education is the key driver of informal sector dynamics, whereas financial access—both Islamic and conventional—faces structural limitations. Strengthening human capital, expanding inclusive financing, and supporting the formalization of informal enterprises are crucial for inclusive development in line with Islamic economic principles. Keywords: Islamic Microfinance, Informal Sector, Education, Population Density
MILLENNIALS AND TAKAFUL: INVESTIGATING PURCHASE INTENTION THROUGH EXTENDED THEORY OF PLANNED BEHAVIOR AND MULTI-GROUP ANALYSIS Fadlilah, Fajriyani Nur; Zulaikha, Siti; Zubaid, Nanda Lismatiara; Timur, Yan Putra
Jurnal Ekonomi dan Bisnis Airlangga Vol. 35 No. 2 (2025): JURNAL EKONOMI DAN BISNIS AIRLANGGA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jeba.V35I22025.413-437

Abstract

Introduction: This study aims to examine the mediating role of trust between religiosity and purchase intention, as well as to assess the influence of attitude, subjective norms, perceived behavioral control (PBC), and relative advantage using an extended Theory of Planned Behaviour (TPB) framework. Methods: The PLS-SEM Multi Group Analysis approach was used as an evaluation model in the quantitative methodology using SmartPLS 4.0. Data were collected using a purposive sampling technique from Muslim respondents who are insurance customers who are millennial generation, which were then divided by gender. Results: The results show that RG, RA, SN, and PBC significantly influence ATT and TR, which in turn affect INT. All variables are key drivers of takaful adoption. Multi-Group Analysis (MGA) reveals no significant gender differences, suggesting similar behavioral patterns. Conclusion and suggestion: The strong influence of RG, RA, and TR on millennials’ ATT and INT suggests that takaful promotions should stress Islamic values, ethical benefits, and transparency. As ATT and TR directly drive INT, providers should build trust through education, digital openness, and Sharia oversight. Emphasizing social-spiritual values like ta’awun can enhance acceptance. MGA results show no gender-based differences, supporting inclusive, cost-efficient strategies to boost financial literacy and participation in Islamic finance.
The The Influence of the Islamic Entrepreneurship Spiritual Perspective, Islamic Entrepreneurship Business Perspective, and E-Commerce Adoption on Business Performance among Muslim Women Entrepreneurs Tsaqyfa, Mazaya Najmy; Ridlwan, Ahmad Ajib; Susilowati, Fitriah Dwi; Timur, Yan Putra
Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam Vol 17 No 2 (2025): Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam
Publisher : State of Islamic Institute Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jurisprudensi.v17i2.11405

Abstract

The development of digital technology and the values of Islamic entrepreneurship can serve as an important foundation for improving business performance, particularly for Muslim women entrepreneurs. However, in reality, many business actors still face limitations in optimally integrating spiritual perspectives, Islamic business ethics, and the use of digital technology. This study aims to analyze the influence of Islamic Entrepreneurship Spiritual Perspective, Islamic Entrepreneurship Business Perspective, and E-Commerce Adoption on Business Performance among Muslim women entrepreneurs in Surabaya. The research methodology employs a quantitative approach with primary data obtained through the distribution of online questionnaires. The sampling technique used is purposive sampling with a total of 129 respondents. Data analysis was conducted using Structural Equation Modeling – Partial Least Square (SEM-PLS) with the SmartPLS 4.0 software. The findings indicate that the Islamic Entrepreneurship Spiritual Perspective, Islamic Entrepreneurship Business Perspective, and E-Commerce Adoption have a positive effect on Business Performance among Muslim women entrepreneurs in Surabaya.
Pengaruh Penggunaan Media Sosial Dan Religiositas Islam Terhadap Kinerja Karyawan Melalui Kepuasan Kerja Pada Karyawan Amdk Di Indonesia Della Rista Pratiwi; Ahmad Ajib Ridlwan; A’rasy Fahrullah; Yan Putra Timur
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6455

Abstract

This study aims to analyze the influence of social media usage and Islamic religiosity on employee performance, with job satisfaction as a mediating variable, among bottled drinking water (AMDK) industry employees in Indonesia. A quantitative approach was used with a non-probability purposive sampling technique, involving 214 respondents. Data were collected through online questionnaires, then analyzed using SPSS 24 for descriptive analysis and Smart PLS 4 for structural model analysis. The results show that social media usage and Islamic religiosity, both directly and indirectly (through job satisfaction), positively and significantly affect employee performance. This study enriches the understanding of the relationship between these variables in the context of the AMDK industry in Indonesia, while highlighting the importance of optimizing social media usage and integrating religious values to enhance employee performance.
STRATEGI PEMBERDAYAAN UMKM BERBASIS BRANDING DAN DIGITAL MARKETING DALAM MENINGKATKAN DAYA SAING EKONOMI LOKAL: STUDI KASUS PKK WIYUNG, SURABAYA Fitriah Dwi Susilowati; Ahmad Ajib Ridlwan; Khusnul Fikriyah; Yan Putra Timur; Muhammad Widyarta Wijaya
Jurnal Pengabdian Masyarakat FKIP UTP Vol 7 No 1 (2026): PROFICIO : Jurnal Abdimas FKIP UTP
Publisher : FKIP UNIVERSITAS TUNAS PEMBANGUNAN SURAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36728/jpf.v7i1.5841

Abstract

Kegiatan pemberdayaan masyarakat melalui penguatan branding dan optimalisasi digital marketing menjadi kebutuhan strategis bagi pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di era transformasi digital. Artikel ini membahas strategi pemberdayaan UMKM berbasis branding dan digital marketing yang diterapkan kepada kelompok UMKM PKK Wiyung, Surabaya. Tujuan kegiatan ini adalah untuk meningkatkan daya saing ekonomi lokal melalui peningkatan kapasitas literasi digital, kemampuan pemasaran daring, serta penguatan identitas produk lokal. Metode yang digunakan dalam kegiatan ini adalah participatory action research (PAR) dengan pendekatan capacity building dan digital branding workshop. Hasil menunjukkan bahwa melalui pelatihan branding, pengelolaan media sosial, dan pendampingan pembuatan konten digital, pelaku UMKM PKK Wiyung mengalami peningkatan signifikan dalam hal kesadaran merek (brand awareness), peningkatan volume penjualan, serta perluasan jangkauan pasar. Selain itu, kegiatan ini juga menumbuhkan semangat kemandirian ekonomi dan memperkuat kohesi sosial di lingkungan masyarakat. Artikel ini menegaskan bahwa pemberdayaan berbasis branding dan digital marketing merupakan strategi efektif dalam memperkuat ketahanan ekonomi lokal di era ekonomi digital.
The Impact of Digital Media Use on Muslim Entrepreneurs' Intention to Apply for Halal Certificate: Empirical Evidence from Indonesia Ridlwan, Ahmad Ajib; Timur, Yan Putra; Ryandono, Muhammad Nafik Hadi; Takidah, Erika; Abdul Aziz, Azreen Hamiza; Juniarti, Rosa Prafitri
Indonesian Journal of Halal Research Vol. 7 No. 1 (2025): February
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijhar.v7i1.40271

Abstract

The Indonesian government is striving to encourage Muslim entrepreneurs to obtain halal certification for all products produced, imported, and sold within Indonesia. Digital media has emerged as a viable solution to enhance the convenience and practicality of Muslim entrepreneurs in applying for halal certification. This study aims to examine factors that influence Muslim entrepreneurs' halal certification applications through digital media, using the DeLone and McLean and the Unified Theory of Acceptance and Use of Technology (UTAUT) models. This quantitative study analyses 350 Indonesian Muslim entrepreneurs using partial least square structural equation modeling (PLS-SEM). Researchers obtain data using non-probability sampling approaches. The results of the study indicate that the constructs of performance expectancy (PE), effort expectancy (EE), social influence (SI), and service quality (SEQ) have a positive and significant effect on intention (INT). In addition, the facilitating condition (FC) has a positive influence on INT but is not significant. While the constructs of system quality (SYQ) and information quality (IQ) have a positive and significant effect on user satisfaction (US), the correlation of the two constructs to INT is not significant. Therefore, it can be concluded that PE, EE, and SI are the key driving factors for Muslim entrepreneurs in using digital media to apply for halal certification. According to the results, developing user-friendly features and technology systems is highly recommended. Pre- and post-submission service quality must be improved. Therefore, halal process assistance officers (PPH) are proposed to support Indonesian Muslim entrepreneurs.
The Impact of Technology on Halal Certification Intentions of MSMEs: A Gender-Based Analysis Yan Putra Timur; Ririn Tri Ratnasari; Anwar Allah Pitchay; Usman Jamilu; Dyah Permata Sari; Firdan Thoriq Faza; Muhammad Rifqi
AL-MUZARA'AH Vol. 13 No. 2 (2025): AL-MUZARA'AH (December 2025)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.13.2.297-315

Abstract

This study aims to identify the main determinants influencing MSMEs in applying for halal certification through digital media, using a combination of the DeLone & McLean and UTAUT models, with a comparison between male and female MSME owners. The PLS-SEM Multi-Group Analysis (MGA) approach was employed as the evaluation method in this quantitative study, using SmartPLS 3.0. A total of 300 respondents met the required criteria. The findings show that service quality is not a major determinant for the male group. On the other hand, for the female group, system quality does not significantly influence intention to apply halal certificate. Several other constructs, such as performance expectancy, effort expectancy, social influence, and information quality, show similar results across both groups, while facilitating condition does not have a significant impact on either male or female groups. These findings provide practical implications, particularly for policymakers. The government should improve performance, ease of use and information clarity for MSMEs. For male MSMEs, focus on system quality and customer support, while for female MSMEs, extension officer assistance would be more effective in encouraging halal certificate applications.
The Impact of Subjective Norm and Religiosity on Zakat Compliance of Muslim Entrepreneurs: The Mediating Role of Intention Nurul Ilmi; Ahmad Ajib Ridlwan; A’rasy Fahrullah; Yan Putra Timur; Md. Kausar Alam
Shirkah: Journal of Economics and Business Vol. 9 No. 2 (2024)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v9i2.584

Abstract

This study aims to identify the effect of Muslim entrepreneurs’ perceptions of zakat compliance mediated by the intention to pay zakat with subjective norms and religiosity. Quantitative methods were employed in this study. Questionnaires were administered to Muslim entrepreneurs, and we examined the information from 140 participants using the Smart-PLS 3 application. The findings indicate that the direct impact on religiosity yielded significant results, whereas the subjective norm was insignificant. Subsequently, the indirect effect, specifically on religiosity and subjective norms, demonstrated a significant impact between the two. In this study, the theory of planned behavior can be used as a determining factor to identify the impact of Muslim entrepreneurs on zakat compliance. This research suggests that Muslim entrepreneurs’ zakat compliance can signal to stakeholders the importance of using zakat payments optimally to achieve poverty reduction goals. Implementing this research not only maximizes institutional benefits in promoting zakat, but also broadens the perspective on zakat compliance among Muslim entrepreneurs based on the theory of planned behavior through intention.
Does Digital Technology Boost Intention to Pay Zakat? Integration of UTAUT 2 and Initial Trust M Jaenudin; Yan Putra Timur; Abdul Basit; Ririn Tri Ratnasari; Ririt Iriani Sri Setiawati
Shirkah: Journal of Economics and Business Vol. 10 No. 1 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v10i1.618

Abstract

Digital technology is key to increasing donor intentions to contribute to Zakat, Infaq, and Sadaqah (ZIS). This study identified the factors influencing and dominating donors in making digital payments for ZIS. Combining UTAUT 2 and the initial trust model, this study analyzed data from an online survey involving 103 donors from various provinces in Indonesia. The study includes donors who have paid or intend to pay the ZIS digitally. The results of the analysis using the partial least squares structural equation model (PLS-SEM) indicated that performance expectancy had no significant effect on initial trust and behavioral intention. Likewise, facilitating conditions did not significantly affect initial trust. On the other hand, hedonic motivation positively and significantly affects initial trust and behavioral intention, while initial trust affects behavioral intention. This study suggests that zakat institutions must ensure that their systems offer user satisfaction, initial trust, and facilitating conditions, such as reliable networks and security.
Analysis of the Success of the BSI Mobile Service Information System Among Generation Z Using the DeLone and McLean Method Rista Dwi Jayanti; Yan Putra Timur; Muhammad Rifqi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i4.10344

Abstract

The rapid growth of digital banking in Indonesia has transformed financial transactions and created an urgent need to evaluate the success of mobile banking systems. This study investigates the success of the Bank Syariah Indonesia (BSI) Mobile information system among Generation Z users by applying the DeLone and McLean model, which includes six key dimensions: system quality, information quality, service quality, system use, user satisfaction, and net benefits. A quantitative approach was employed using an online survey of 96 Generation Z respondents who actively used BSI Mobile for at least three months. Data were analyzed with Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings reveal that information quality significantly influences system use, while service quality significantly affects user satisfaction. Furthermore, system use positively impacts both user satisfaction and net benefits, and user satisfaction shows the strongest effect on net benefits. In contrast, system quality has no significant relationship with system use or user satisfaction, and information quality does not demonstrate a significant effect on user satisfaction. These results provide practical implications for Bank Syariah Indonesia to enhance digital service quality and strengthen Generation Z engagement, as well as theoretical contributions by validating the DeLone and McLean model in the context of Islamic mobile banking.
Co-Authors A’rasy Fahrullah Abdul Aziz, Azreen Hamiza Abdul Basit Ach. Yasin Achmad Yasin Ahmad Ajib Ridlwan Ahmad Ajib Ridlwan Ahmad Ajib Ridlwan Ahmad Ajib Ridlwan AHMAD ARSYAD Ahsan Zanky Fikry Al Hamidy Aini, Zahriya Nurul Ali, Asiah Binti Anwar Adem Shikur Anwar Allah Pitchay Anwar Allah Pitchay Anwar Allah Pitchay Anwar Allah Pitchay, Anwar Allah Ari Prasetyo A’rasy Fahrullah Badrul Munir, Maryam Bte Battour , Mohamed Cinantya Sriyono Putri Cinantya Sriyono Putri Cinantya Sriyono Putri Citra Dewi , Tazkiyah Nur Laili Clarashinta Canggih Della Rista Pratiwi Donna Vanny Araminta DYAH Permata PERMATA SARI Dyah Permata Sari Erika Takidah Fadlilah, Fajriyani Nur Fathoni, Mohamad Rifqi Fery Firdaus Fikriyah, Khusnul Firdan Thoriq Faza Fitriah Dwi Susilowati Habil Ridia Rabbani Hadi, T.Saipul Ilmiawan Auwalin Imron Mawardi Jamilu, Usman Juliana Juliana Juliana Juliana Keisya Az Zahra Laetisya Virdian Khoirunnisa Sabila Lu'liyatul Mutmainah Lutfi, Bintang Aulia Lu’liyatul Mutmainah M Jaenudin Md. Kausar Alam MOCH. KHOIRUL ANWAR Mohamed Battour Muhamad Nafik Hadi Ryandono Muhammad Hanif Ibrahim Muhammad Rifqi Muhammad Rifqi Muhammad Rifqi Muhammad Widyarta Wijaya Nailul Author Nanda Lismatiara Zubaid Niken Sefyana Nur Arifah Nurafini, Fira Nurillah, Shinta Lintang Nurul Ilmi Putri, Cinantya Sriyono Qudziyah Qudziyah Rachma Indrarini Ramadhanty, Rifka Putri Rifka Putri Ramadhanty Ririn Tri Ratnasari Ririt Iriani Sri Setiawati Rista Dwi Jayanti Rosa Prafitri Juniarti Shafinar Ismail Shinta Lintang Nurillah Siti Zulaikha Siti Zulaikha Sri Abidah Suryaningsih Sri Herianingrum Sri Herianingrum Sulistya Sulistya Sulistya Rusgianto Tika Widiastuti Tsaqyfa, Mazaya Najmy Usman Jamilu Usman Jamilu Zaimy Johana Johan Zubaid, Nanda Lismatiara