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All Journal Bukhori: Kajian Ekonomi dan Keuangan Islam Irtiqo: Postgraduate Journal of Islamic Economics, Finances and Accounting Studies
Dedy Rachmad
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Penerapan Konsep Wakaf Aset Digital di Indonesia Uwais, Asnawi; Dedy Rachmad; Afifah, Kuni
Bukhori: Kajian Ekonomi dan Keuangan Islam Vol. 3 No. 2 (2024): Januari
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/bukhori.v3i2.3037

Abstract

Purpose: This study aims to determine how Islam views the use of digital assets for waqf and the potential of digital assets in waqf and its scheme. Methodology: This qualitative research uses a library research method to answer the questions raised. Secondary data were used in this study. Results: The results of this study found that the use of cryptocurrency as an asset for waqf is not allowed and only accepts rupiah as a legal tender, while the use of YouTube accounts as a source of waqf is allowed as long as it does not contain elements that are prohibited in Islam. Limitations: Limited literature on digital waqf, especially international literature. The lack of literature makes it difficult to find relevant information and develop a comprehensive understanding of the topic. Contribution: One of the main contributions of this research is that it provides an answer to the question of the lawfulness of using digital assets, according to Islamic law. This is a significant contribution because there is currently a lack of clarity regarding this issue.
Determinants of Islamic Banking Adoption Among Millennials in Indonesia: An Extended Diffusion of Innovation Perspective Hafiz As'ad; Dedy Rachmad
IRTIQO' : Postgraduate Journal of Islamic Economics, Finance and Accounting Studies Vol. 5 No. 1 (2026): Irtiqo: Postgraduate Journal of Islamic Economics, Finances and Accounting Stud
Publisher : Department Islamic Economics

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/irtiqo.v5i1.836

Abstract

This study investigates the determinants of Islamic banking adoption among the millennial generation in Indonesia using an extended Diffusion of Innovation (DOI) framework. Despite Indonesia’s large Muslim population, Islamic banking penetration remains relatively low. By integrating core DOI attributes with trust and social influence, this research examines five key determinants: relative advantage, compatibility, knowledge, trust, and social influence. A quantitative explanatory approach was employed using survey data collected from 115 millennial customers of Islamic banks across Indonesia. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The findings reveal that compatibility, knowledge, and social influence significantly and positively affect adoption intention, while relative advantage and trust show insignificant effects. The model explains 64.2% of the variance in adoption intention, indicating strong explanatory power. The study contributes to the Islamic banking literature by demonstrating that value congruence, literacy, and social context outweigh perceived economic benefits in shaping millennials’ adoption behavior.
Co-Authors Afifah, Kuni Hafiz As'ad Uwais, Asnawi