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All Journal Kasta: Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Jurnal Perbankan Syariah Darussalam (JPSDa) International Journal of Sustainable Applied Sciences (IJSAS) Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Journal of Sharia Tourism and Hospitality Cirebon International Journal of Economics and Business
Layaman
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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The Role of Digital Literacy and Financial Literacy on the Use of Islamic Fintech Moderated by Religiosity the Impact on Personal Financial Management Aziz, Abdul; Giantoro Pamungkas; Alifa, Naufal Luthfi; Wendy Wijaya; Layaman
International Journal of Sustainable Applied Sciences Vol. 1 No. 6 (2023): December 2023
Publisher : MultiTech Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59890/ijsas.v1i6.1019

Abstract

Financial management skills are a very important and necessary topic, because currently Indonesians, including Cirebon's digital natives (millennials and generation Z), still do not realise the importance of good financial management habits. Sharia financial technology is one of the digital financial innovations that is useful as a personal financial management tool for its users wherever and whenever they are. However, the development of Islamic fintech is still far behind compared to conventional fintech. This study aims to determine the effect between digital literacy and financial literacy on the use of Islamic fintech moderated by religiosity and its impact on personal financial management. This research was conducted with a quantitative method, using a moderated mediation analysis model. The results showed that digital literacy has a significant positive effect on the use of Islamic fintech, but financial literacy has no positive effect. Meanwhile, religiosity cannot moderate the relationship between digital literacy and the use of Islamic fintech and the relationship between financial literacy and the use of Islamic fintech. And the use of Islamic fintech has an influence on personal financial management.
The Effect Of Price Discounts And Online Customer Ratings On Grabfood Consumer Loyalty On Salero Restaurant, South Jakarta Mar’i, Idzan Ihdil; Layaman; Jaelani, Aan
Cirebon International Journal of Economics and Business Vol. 2 No. 2 (2024): October 2024
Publisher : Faculty of Islamic Economics and Business IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cijeb.v2i2.169

Abstract

Technological developments have resulted in the creation of online food delivery services that allow consumers to order food without having to come to the location. Efforts need to be made to maintain loyalty to consumers who use Grabfood services. The purpose of this study is to determine the effect of price discounts and online customer ratings on Grabfood consumer loyalty at Salero Restaurant. The research method used is a quantitative approach with an associative research type. Data collection was carried out using a questionnaire. The number of samples in this study was 100 respondents. The determination of respondents used a purposive sampling method with the following criteria: (1) respondents are users of Grabfood services on the Grab application, and (2) respondents have ordered Grabfood at the Salero Restaurant Merchant in South Jakarta at least once. The results of the study show that: (1) price discounts have a significant effect on Grabfood consumer loyalty at Salero Restaurant with a calculated tvalue > t table, namely 6.213 > 1.985. (2) Online customer ratings have a significant effect on Grabfood consumer loyalty at Salero Restaurant with a calculated t value > t table, namely 4.830 > 1.985. (3) Price discount and online customer rating simultaneously have a significant effect on Grabfood consumer loyalty at Salero Restaurantwith a calculated f value > f table, namely 56.783 > 3.09.
Pengaruh Profitabilitas, Likuiditas, Dan Kualitas Aset Terhadap Stabilitas Keuangan Bank Bjb Syariah Periode 2015-2024 Wida Zulfa Fitriya; Nur Eka Setiowati; Layaman
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 1 (2026): Januari 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i1.4584

Abstract

The importance of financial stability in maintaining a bank's financial performance and minimizing the risk of financial distress and bankruptcy necessitates an analysis of its influencing factors. This research is motivated by the occurrence of systemic risk at BJB Syariah Bank, which is the main cause of financial stability disruption based on Bank Indonesia Regulation No. 16/11/PBI/2014. This study aims to analyze profitability (ROA), liquidity (FDR), and asset quality (NPF) on the financial stability of BJB Syariah Bank. The research method uses a quantitative approach with secondary data in the form of quarterly financial reports for the 2015-2024 period analyzed through multiple linear regression. The results show that profitability has a significant positive effect on financial stability, while liquidity and asset quality have no partial effect. Simultaneously, all three variables influence the financial stability of BJB Syariah Bank. This finding implies that increasing profitability is a key factor in maintaining the financial stability of BJB Syariah Bank.
MODEL PENTAHELIX DALAM PENGEMBANGAN PARIWISATA DI KAMPUNG BATIK TULIS PEWARNA ALAMI CIWARINGIN Apriansyah, Robin; Layaman; Haryati, Yati
Journal of Sharia Tourism and Hospitality Vol. 3 No. 2 (2025): Journal of Sharia Tourism and Hospitality
Publisher : Department of Sharia Tourism, Faculty of Islamic Economics and Business UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/jetour.v3i2.110

Abstract

Kampung Batik Tulis Pewarna Alami Ciwaringin dikenal memiliki kekayaan budaya melalui tradisi membatik dengan pewarna alami. Namun, hingga kini wilayah tersebut belum ditetapkan secara resmi sebagai desa wisata karena belum optimalnya kolaborasi dan keterlibatan aktor-aktor kunci dalam pengembangan pariwisata. Penelitian ini bertujuan untuk mengetahui keterlibatan dan peran masing-masing aktor pentahelix dalam pengembangan pariwisata di Ciwaringin, serta untuk mengidentifikasi faktor-faktor yang menjadi pendorong dan penghambat keterlibatan mereka. Penelitian ini menggunakan metode deskriptif kualitatif melalui wawancara mendalam, observasi lapangan, dan dokumentasi. Teori pentahelix dari Irawan digunakan sebagai kerangka analisis, dengan pendekatan interaktif Miles & Huberman dalam pengolahan data. Hasil penelitian menunjukkan bahwa aktor-aktor pentahelix telah terlibat dengan peran yang beragam. Pemerintah daerah berperan sebagai fasilitator kebijakan, akademisi berkontribusi dalam pelatihan teknik pewarnaan alami, pelaku bisnis seperti PT Indocement mendukung lewat program CSR, dan koperasi menjadi penggerak utama dalam produksi dan pemasaran batik. Sementara itu, media belum memainkan peran maksimal karena keterbatasan strategi komunikasi dan sinergi. Faktor pendorong kolaborasi antara lain adanya inisiatif koperasi dan dukungan CSR, sedangkan penghambatnya meliputi kurangnya koordinasi lintas aktor dan belum adanya kebijakan yang memayungi status desa wisata. Penelitian ini menegaskan pentingnya penguatan jejaring kerja antar-aktor sebagai fondasi menuju pengembangan desa wisata yang berkelanjutan dan berdaya saing.
Rekonstruksi Kelembagaan Ekonomi Dan Keuangan Syariah Dalam Menghadapi Isu Kontemporer Dan Tantangan Global Rismaya, Erin Rismaya; Layaman; Jaelani, Aan
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 1 (2026): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecopreneur.v7i1.4134

Abstract

The institutional reconstruction of Islamic economics and finance represents an urgent necessity amid continuously evolving global dynamics. This article aims to comprehensively analyze the institutional conditions of Islamic economics and finance, identify structural gaps impeding its growth, and formulate an institutional reconstruction model grounded in maqasid al-shariah that is relevant to contemporary challenges. This research employs a qualitative approach through systematic literature review and normative-philosophical analysis based on maqasid al-shariah. Data were gathered through a systematic review of internationally reputable journals, reports from international financial institutions, and current regulations within the global Islamic finance ecosystem. The findings reveal that Islamic financial institutions face five primary challenges: (1) regulatory fragmentation across jurisdictions, (2) gaps in Islamic financial literacy and inclusion, (3) weak technological infrastructure and digital finance adoption, (4) governance and Shariah accountability crises, and (5) insufficient integration of Islamic financial instruments into the global financial architecture. As a novelty contribution, this study proposes the Integrative Islamic Institutional Reconstruction Model (IIIRM), grounded in five pillars: regulatory harmonization, literacy strengthening, digital transformation, governance reform, and global integration. This model offers a holistic framework bridging normative Shariah perspectives with the realities of the contemporary global financial system.
Integrative Model of Human Resource Management Based on Maqasid al-Syari'ah and Its Impact on Organizational Performance in Sharia Financial Institutions in Region III Cirebon Aris Budiman; Abdul Aziz; Anton Bawono; Wartoyo; Layaman
KASTA : Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Vol. 6 No. 1 (2026): April
Publisher : Lembaga Bale Literasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58218/kasta.v6i1.2716

Abstract

In this paper, I explore an integrative model of Human Resource Management (HR) based on the principles of Maqasid al-Syari'ah and its impact on organizational performance in Sharia Financial Institutions in Indonesia. I begin by emphasizing the relevance of Maqasid al-Syari'ah, which aims to preserve religion, life, intellect, heredity, and wealth, in order to improve the practice of human resources. My research addresses gaps in the existing literature regarding the integration of these principles into HR frameworks. Using a mixed-methods approach, I analyzed data collected from various Sharia Financial Institutions in Region III Cirebon, evaluating how Maqasid al-Shari'ah-based HR strategies, such as ethical hiring and employee development, contribute to improving organizational performance metrics. The findings demonstrate the benefits and challenges of implementing this model, offering valuable insights into improving employee satisfaction and organizational productivity while adhering to Islamic values. In addition, I provide recommendations for future research and practical applications to further refine this integrative model.
Co-Authors Aan Jaelani Abdul Aziz Abdul Aziz Alifa, Naufal Luthfi Anton Bawono Apriansyah, Robin Aris Budiman Mar’i, Idzan Ihdil Nur Eka Setiowati Pamungkas, Giantoro Rismaya, Erin Rismaya Wartoyo Wartoyo Wendy Wijaya Wida Zulfa Fitriya Yati Haryati