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All Journal Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Al-Kharaj: Journal of Islamic Economic and Business Jumat Keagamaan: Jurnal Pengabdian Masyarakat International Journal of Applied Finance and Business Studies Islamic Economics and Finance Journal Jurnal Konseling Pendidikan Islam Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Jurnal Manajemen dan Pendidikan Agama Islam Akhlak: Jurnal Pendidikan Agama Islam Dan Filsafat Karakter: Jurnal Riset Ilmu Pendidikan Islam Karya Nyata: Jurnal Pengabdian Kepada Masyarakat Inovasi Pendidikan dan Anak Usia Dini Jurnal Pendidikan Anak Usia Dini dan Kewarganegaraan Jurnal Pendidikan dan Kewarganegara Indonesia (jupenkei) JURNAL EDUKASI DAN PEMBELAJARAN ANAK USIA DINI Al-Khazin: Jurnal Pendidikan Agama Islam Jimulti Bayan: Jurnal Studi Islam dan Humaniora Mercatura Lumina: Journal of Management, Entrepreneurship, and Tourism Capitalis: Journal of Economic Stability, Banking, and Investment
Alfa Rohmatin
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Digital Banking Transformation and Consumer Protection: A Legal-Economic Review Alfa Rohmatin; Randika Shafly Fawwaz
Capitalis: Journal of Economic Stability, Banking, and Investment Vol. 1 No. 1 (2026): March: Capitalis: Journal of Economic Stability, Banking, and Investment
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

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Abstract

Digital banking transformation has fundamentally reconfigured the architecture of financial intermediation by integrating artificial intelligence, blockchain-based infrastructures, and data-driven platforms into core banking operations. While these innovations enhance efficiency and financial inclusion, they simultaneously intensify information asymmetries, algorithmic opacity, cybersecurity exposure, and cross-border enforcement challenges that recalibrate consumer vulnerability. This study develops a legal–economic review to examine how emerging technological risks intersect with consumer protection regimes and systemic financial stability. By synthesizing interdisciplinary scholarship on AI governance, crypto-asset regulation, proportionality doctrine, and digital dispute resolution mechanisms, the analysis demonstrates that fragmented regulatory responses amplify uncertainty and erode institutional trust. The paper advances an integrative framework that positions dispute resolution design and proportional regulatory calibration as mediating variables linking micro-level consumer rights to macro-level economic stability. The findings argue that sustainable digital banking ecosystems require embedded accountability architectures, coherent supervisory harmonization, and economically rational enforcement strategies capable of internalizing technological externalities without suppressing innovation
Climate-Related Financial Risks and Their Implications for Banking Stability and Investment Decision-Making Alfa Rohmatin; Aswanto Aswanto; Marito Ritonga
Capitalis: Journal of Economic Stability, Banking, and Investment Vol. 1 No. 2 (2026): : June: Capitalis: Journal of Economic Stability, Banking, and Investment
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

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This empirical investigation employs a quantitative explanatory research design to systematically quantify the transmission pathways of environmental externalities onto banking performance metrics and corporate portfolio adjustments across major global financial hubs from two thousand fifteen through two thousand twenty five. Utilizing structural equation modeling and dynamic panel regressions estimated via maximum likelihood techniques, the analytical architecture maps the multi layered dependencies between climate related shocks and macroprudential stability indicators. The empirical findings reveal that transitional policy shocks significantly expand corporate asset volatility, forcing institutional fund managers to execute rapid capital withdrawals from carbon intensive operations and energy inefficient real estate trusts. Furthermore, the research confirms that cross border cultural variations and informational frictions heavily moderate investor behavioral traits during sudden regulatory reconfigurations. The diagnostic evaluation mathematically validates the proposed climate adjusted capital asset pricing framework, demonstrating strong model fit indices. Ultimately, the results underscore the critical necessity for central banking authorities to deploy progressive green prudential tools and standardized disclosure criteria to insulate international financial networks from compounding ecological risks.
The Economic Impact of Pesantren Haul Traditions on Local MSME Income: Evidence from Gentur Cianjur, Indonesia Diansyah Permana; Luqman Al-Hakim Musthafa; Ceceng Saepulmilah; Mamat Rahmat; Alfa Rohmatin; Andewi Suhartini
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8113

Abstract

This study aims to analyze the effect of pesantren haul traditions on the income growth of local micro, small, and medium enterprises (MSMEs), with a case focus on Pesantren Gentur in Cianjur Regency, Indonesia. The haul tradition is viewed not only as a religious activity but also as a socio-economic phenomenon that has a significant impact on the surrounding community. A quantitative approach with an explanatory design was employed. Primary data were collected through surveys and interviews with 111 MSME actors around Pesantren Gentur and analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS software. The results reveal that the pesantren haul tradition has a positive and significant effect on MSME income growth, with a path coefficient of β = 0.843, T-statistic = 27.710, and p < 0.001. The structural model explains 71% of the variance in MSME income growth with a substantial effect size (f² = 2.451) and strong predictive relevance (Q² = 0.593). These findings confirm that pesantren haul functions not only as a spiritual event but also as a local economic driver. The implications suggest that better management of haul traditions is essential to optimize economic benefits for MSMEs without diminishing their religious values. Local governments and pesantren managers are expected to synergize in supporting infrastructure, event governance, and MSME empowerment. Future studies are recommended to expand the scope to pesantren in other regions and to integrate variables such as MSME digitalization to enrich the analysis of religious tradition-based economic development.
THE PROPHETIC MODEL OF CHARACTER EDUCATION: AN ANALYSIS OF EDUCATIONAL VALUES IN THE SUNNAH Maslani Maslani; Fazrin Syaibatul Hamdi Muzami; Akin Mustakin; Mungkassifurahman Mungkassifurahman; Evi Luthfi Nurulhayati; Alfa Rohmatin
Jurnal Konseling Pendidikan Islam Vol. 7 No. 1 (2026): Jurnal Konseling Pendidikan Islam
Publisher : LP2M IAI Al-Khairat Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/jkpi.v7i1.1243

Abstract

This study examines the role of the Prophet Muhammad’s hadith and sunnah as the foundation of Islamic character education. Using a qualitative library research method, this paper analyzes classical and contemporary literature related to moral values derived from prophetic traditions. The study emphasizes that Islamic education aims not only to develop intellectual capacity but also to shape moral integrity, spiritual maturity, and social responsibility. The findings reveal that the prophetic model of education integrates several key principles: exemplary behavior (uswah hasanah), compassion and empathy, consistent moral habituation, appreciation of knowledge, discipline, and the balance between worldly and spiritual life. These values provide a holistic framework for addressing the moral and ethical crises faced by modern society. The research concludes that revitalizing prophetic values within formal and non-formal education can produce a generation of Muslims who are intellectually competent, emotionally resilient, and spiritually grounded. Therefore, the hadith and sunnah are not merely historical or theological references but serve as a living civilizational strategy for character formation in the contemporary era.
The Effect of Smartboard Use on Students’ Learning Interest in Islamic Religious Education at Grade VI of SD Negeri Mekarmanah Siti Nurhalimah; Dera Nugraha; Alfa Rohmatin
BAYAN: Jurnal Studi Islam dan Humaniora Vol. 2 No. 2 (2026): Juli 2026
Publisher : PT. Nawa Edukasi Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67864/bayan.v2i2.171

Abstract

This study aims to examine the effect of Smartboard use on students’ learning interest in Islamic Religious Education among sixth-grade students at SD Negeri Mekarmanah. The study was conducted because learning interest in Islamic Religious Education still needed improvement, while the available Smartboard facility had not been used optimally in classroom learning. This research used a quantitative approach with a pre-experimental one group pretest-posttest design. The participants were 33 sixth-grade students selected through total sampling. Data were collected using a learning interest questionnaire, observation, and documentation. The questionnaire consisted of 12 valid items and showed acceptable reliability with a Cronbach’s Alpha value of 0.739. The data were analyzed using descriptive statistics, the Shapiro-Wilk normality test, and the Paired Sample t-Test. The results showed that the mean score increased from 40.03 in the pretest to 50.00 in the posttest. The hypothesis test showed a significant difference between pretest and posttest scores, t(32) = -16.821, p < .001. These findings indicate that Smartboard use can improve students’ attention, interest, and active involvement in Islamic Religious Education learning.
Sharia Financial Literacy and Riba-Based Digital Loan Interest: A PLS-SEM Mediation Analysis Alfa Rohmatin; Sity Komalla
Jurnal Ekonomi Islam Vol 5 No 1 (2026): February 2026
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/iefj.v5i1.342

Abstract

This study empirically analyzes the effect of Islamic financial literacy on university students' interest in using usurious online loans, while examining the mediating role of consumer behavior within this structural framework. This quantitative study used a classroom-based survey design with purposive sampling and involved 180 active Generation Z students at STIT Al-Azami Cianjur. Data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) in SmartPLS 4. The results reveal that Islamic financial literacy has a direct, positive, and significant effect on both consumer behavior and interest in usurious online loans. Conversely, consumer behavior has no significant effect on interest in usurious online loans and does not serve as a mediating variable, resulting in a no-mediation model. These findings provide novel empirical evidence on the literacy paradox phenomenon, in which mastering Islamic theoretical knowledge at the cognitive level increases students' perceived behavioral control and technical familiarity in navigating digital financing applications. Furthermore, the absence of a mediating role proves that borrowing decisions on non-Islamic platforms are not driven by wasteful habits or hedonistic lifestyles, but are instead triggered by direct cognitive calculations when facing financial fragility and emergency funding needs. The implications of this study call for a reorientation of financial education strategies in higher education, shifting from theoretical knowledge transfer to instilling self-control and building internal Islamic-based financial assistance ecosystems.
Co-Authors Adelia Sapitri Aditia Putra Ahmad Pahmi Alhusaeni Ai Nuni Risnawati Ajeng Zahra Haroki Akin Mustakin Amelani Putri Andriawan Andriawan Aswanto Aswanto Ayu Ambarwati Ceceng Saepulmilah Cep Wawan Denda Juanda Dera Nugraha Dewi Nurmuslihat Diansyah Permana Diansyah Permana Diza Aulia Ramadhanty Elinda Novita Dewi Elis Ashpiati Endan Hamdan Ridwan Eva Manfaatin Evi Luthfi Nurulhayati Evi Mulyati Fazrin Syaibatul Hamdi Muzami Fuji Lestari Gandara, Tedi Ihsan Ihsan Ika Rustika Zainah Imas Masitoh Ira Faoza Janah, Gina Raudatul Jannah Salsabila Laelasari, Ida Latipah Latipah Lelis Nuramalia Luqman Al-Hakim Musthafa M. Ramanda Iski Mamat Rahmat Mamat Rahmat Marito Ritonga Maslani, Maslani Maswiah Mch Wildan Hidayatuloh Moch Haris Al-Qudsi Moch. Galih Gunawan Muhammad Gunawan Muhammad Hadis Muhammad Nasihudin Muhammad Ramanda Isky Muhammad Toha Mungkassifurahman Mungkassifurahman N Alfiyah Nazwa Nurul Fatma Nida Wida Wati Nina Destiani Nizar Fauzi Rachman Novita Ramadhani Paoz Mutaqin Pujiawaati Pujiawaati Rahmi Siti Rahmawati Raihan Ahlush Shuffah Raihana Ahlush Shuffah Randika Shafly Fawwaz Ropiul Anwar Salsabila Fitrah Insani Saniah Maryam A Sinta Trisnawati Siti Aisyah Siti Dandawiah Siti Nurhalimah Siti Rafilda Maldah siti rohilah Siti Rohimah Siti Sarah Nurfadilah Sity Komalla Sri Zulfa Laeliyah Bilqis Tadzkir Putri Sri Zulfa Laeliyah Bilqis Tadzkir Putri Suhartini, Andewi Yuda Nugraha Zulva, Sakinah Fitria