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All Journal Jurnal Ilmu Ekonomi dan Bisnis Islam Jurnal Investasi Islam Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA)
Mochammad Andre Agustianto
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Economics, Econometrics & Finance

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Systematic Literature Review (SLR): Analysis of Factors Influencing Interest in Opening A Hajj Savings Account at Bank Syariah Indonesia Fadila Afri Rahmawati; Mochammad Andre Agustianto
Jurnal Ilmu Ekonomi dan Bisnis Islam Vol 6 No 2 (2024)
Publisher : Program Studi Ekonomi Syariah, FEBI UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jiebi.v6i2.312.155-169

Abstract

This study aims to analyze the factors that can influence a person's interest in saving for Hajj at Bank Syariah Indonesia. The analysis of these factors can later become a reference for Bank Syariah Indonesia to carry out marketing strategies appropriately and efficiently. This study uses a qualitative method with a Systematic Literature Review using the Publish or Perish application to analyze various journals following the researcher's topic on Google Scholar. Journals are selected using the Systematic Search and Screening method through a systematic search strategy process, effective use of keywords, application of inclusion and exclusion criteria, and a gradual screening process to select the most relevant articles. The analysis results show that promotion, customer service, and religiosity are considered more significant in influencing a person's interest in saving for Hajj. In addition, several other factors influence a person's interest in opening a hajj savings account at Bank Syariah Indonesia. These findings provide insight or can be used as evaluation material to develop appropriate strategies for Bank Syariah Indonesia to increase public interest in opening hajj savings.
Sharia Restricted Intermediary Account (SRIA) Dalam Pengembangan Keuangan Syariah di Indonesia Solikhah, Lailatus; Mochammad Andre Agustianto
Jurnal Investasi Islam Vol 9 No 2 (2024): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v9i2.10022

Abstract

This study aims to explore the concept, scheme, regulation, and challenges faced by Sharia Restricted Intermediary Account (SRIA) in the development of Islamic finance in Indonesia. SRIA, which uses the Mudharabah Muqayyadah contract, is an innovative investment product in Islamic banking designed to meet the needs of the community for investments that are in accordance with Islamic principles. This study uses a qualitative descriptive approach with a literature study method to analyze data relevant to Sharia Restricted Intermediary Account (SRIA). The results of the study indicate that SRIA has characteristics that distinguish it from conventional banking products and other Islamic investment instruments and has received observations from the Financial Services Authority and the National Committee for Islamic Finance to ensure the suitability of the scheme to Islamic aspects. In addition, this study identifies factors that encourage individuals to invest by choosing Islamic products, such as improving the quality of life in the future, reducing the impact of inflation, and tax efficiency. This study also compares SRIA with other Islamic investment instruments such as Sukuk, Islamic stocks, and Islamic mutual funds. Based on the comparison, sharia investment instruments have similarities and differences, so investors must be able to consider investment decisions with sharia financial instruments that suit their needs and abilities. Thus, SRIA is expected to be a safer and more controlled investment alternative for investors, as well as provide a significant contribution to the growth of the sharia financial sector in Indonesia.
Sharia Restricted Intermediary Account (SRIA) Dalam Pengembangan Keuangan Syariah di Indonesia Solikhah, Lailatus; Mochammad Andre Agustianto
Jurnal Investasi Islam Vol 9 No 2 (2024): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v9i2.10022

Abstract

This study aims to explore the concept, scheme, regulation, and challenges faced by Sharia Restricted Intermediary Account (SRIA) in the development of Islamic finance in Indonesia. SRIA, which uses the Mudharabah Muqayyadah contract, is an innovative investment product in Islamic banking designed to meet the needs of the community for investments that are in accordance with Islamic principles. This study uses a qualitative descriptive approach with a literature study method to analyze data relevant to Sharia Restricted Intermediary Account (SRIA). The results of the study indicate that SRIA has characteristics that distinguish it from conventional banking products and other Islamic investment instruments and has received observations from the Financial Services Authority and the National Committee for Islamic Finance to ensure the suitability of the scheme to Islamic aspects. In addition, this study identifies factors that encourage individuals to invest by choosing Islamic products, such as improving the quality of life in the future, reducing the impact of inflation, and tax efficiency. This study also compares SRIA with other Islamic investment instruments such as Sukuk, Islamic stocks, and Islamic mutual funds. Based on the comparison, sharia investment instruments have similarities and differences, so investors must be able to consider investment decisions with sharia financial instruments that suit their needs and abilities. Thus, SRIA is expected to be a safer and more controlled investment alternative for investors, as well as provide a significant contribution to the growth of the sharia financial sector in Indonesia.
Analisis Faktor Penghambat Utama Adopsi Quick Response Code Indonesian Standard (QRIS) di Indonesia: Pendekatan Systematic Literature Review (SLR) Aura Rismayani Syaharin; Mochammad Andre Agustianto
Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA) Vol. 3 No. 1 (2025): November
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jimea.v3i1.6187

Abstract

This study aims to analyze the main factors inhibiting the adoption of the Indonesian Standard Quick Response Code (QRIS) in Indonesia through a Systematic Literature Review (SLR) approach of ISSN/E-ISSN publications for the 2020–2025 period. The study focused on two central issues: the lack of public understanding of QRIS, reflected in low digital and financial literacy, and the strong habit of using cash for transactions, particularly among MSMEs. The study results indicate that gaps in understanding how QRIS works, its benefits, and its security, the need for daily liquidity, concerns about the settlement process, and a higher level of trust in cash are the dominant barriers to adoption. Contextual factors such as limited digital infrastructure, technical challenges with scanning and networking, and concerns about transaction security reinforce these two main barriers and reduce perceptions of usefulness and ease of use, according to the TAM and SDG frameworks. This study recommends more intensive and targeted policy interventions, outreach, training, and education, along with strengthening digital infrastructure, to accelerate QRIS adoption and support the creation of an inclusive and sustainable cashless transaction ecosystem in Indonesia.
Co-Authors Aura Rismayani Syaharin Fadila Afri Rahmawati Solikhah, Lailatus