Article Per Year (5 Year)
p-Index From 2021 - 2026
0.92
P-Index
This Author published in this journals
All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah At-Thullab : Jurnal Mahasiswa Studi Islam El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Anom Garbo
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

Published : 4 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 4 Documents
Search

 1 
Evaluasi Literasi Keuangan Syariah dan Pengaruhnya Terhadap Minat Penggunaan Layanan E-Banking Syariah Anom Garbo; Muhamad Nur Ichsan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24122

Abstract

This study aims to measure the influence of the level of sharia digital financial literacy on the interest in using sharia e-banking services among MSME actors in Manisrenggo District, Klaten Regency, Central Java. A quantitative method is used in this research to determine the extent to which the level of sharia digital financial literacy affects the interest in using sharia e-banking. The level of sharia digital financial literacy is measured based on individuals' understanding of sharia financial management and their knowledge of sharia financial products and services available in digital technology. This study also considers control variables such as perceived ease of use and perceived usefulness to strengthen the estimation of interest in using sharia e-banking services. The research population includes 148 MSMEs registered in Manisrenggo District, with samples taken using purposive sampling techniques. Multiple regression analysis shows that the level of sharia digital financial literacy has a positive and significant effect on the interest in using sharia e-banking. Control variables such as perceived ease and usefulness also significantly influence this interest. The F-test also shows significant results with an F calculated value of 77.280 and an F table value of 2.766, as well as a significance value of 0.000 (<0.05), indicating that sharia digital financial literacy, perceived ease, and perceived usefulness simultaneously affect the interest in using sharia e-banking.
The Roles of Baitul Maal wat Tamwil in Promoting the Diffusion of Sustainable Financing Innovation: A Narrative Review of the Sharia Business Model Anom Garbo
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 8 (2025): 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.v6i8.8270

Abstract

This study aims to examine the strategic role of Baitul Maal wat Tamwil (BMT) in the proliferation of sustainable financing innovation in the Islamic microfinance system. Drawing on Islamic ethical norms and local financial organizations, BMTs are strategically positioned to expand inclusive financing products that are responsive to Sharia aims. The goal of this study is to understand how these structures incorporate innovation into their business models with regard to their social and spiritual aims. Adopting a narrative literature review methodology, this study integrates academic publications from Google Scholar and Scopus with the key terms Islamic microfinance, innovation diffusion, and sustainable financing. Based on interdisciplinary approaches, the analysis determines how BMTs promote the adoption and spread of innovation. The findings suggest that BMTs instigate innovation through different channels, including the combination of social and commercial funding, the use of digital platforms, product diversification, stakeholder engagement, and efforts in financial education. These are also intermediaries of morality that mediate between religious duty and adaptive innovation. They support marginalized groups, especially women and microentrepreneurs, by promoting institutional resilience through risk sharing and value-based governance. This study contends that BMTs are of great importance in the reform of Islamic microfinance because they compensate for social and economic gaps as a means to find sustainable and ethical balanced innovations. Implications: This study provides a comprehensive conceptual framework that connects innovation theory and Islamic financial practices, along with empirical insights to direct further research.
Evaluasi Literasi Keuangan Syariah dan Pengaruhnya Terhadap Minat Penggunaan Layanan E-Banking Syariah Anom Garbo; Muhamad Nur Ichsan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24122

Abstract

This study aims to measure the influence of the level of sharia digital financial literacy on the interest in using sharia e-banking services among MSME actors in Manisrenggo District, Klaten Regency, Central Java. A quantitative method is used in this research to determine the extent to which the level of sharia digital financial literacy affects the interest in using sharia e-banking. The level of sharia digital financial literacy is measured based on individuals' understanding of sharia financial management and their knowledge of sharia financial products and services available in digital technology. This study also considers control variables such as perceived ease of use and perceived usefulness to strengthen the estimation of interest in using sharia e-banking services. The research population includes 148 MSMEs registered in Manisrenggo District, with samples taken using purposive sampling techniques. Multiple regression analysis shows that the level of sharia digital financial literacy has a positive and significant effect on the interest in using sharia e-banking. Control variables such as perceived ease and usefulness also significantly influence this interest. The F-test also shows significant results with an F calculated value of 77.280 and an F table value of 2.766, as well as a significance value of 0.000 (<0.05), indicating that sharia digital financial literacy, perceived ease, and perceived usefulness simultaneously affect the interest in using sharia e-banking.
PERAN FINANCIAL BEHAVIOR DALAM PENGAMBILAN KEPUTUSAN MAHASISWA UII TERHADAP INSTRUMEN INVESTASI SYARIAH UNTUK MASA DEPAN Naja, Afifatun; Luthfi Hawari Setiawan; Anom Garbo
At-Thullab : Jurnal Mahasiswa Studi Islam Vol. 6 No. 1 (2024): Ahwal Syakhsiyah, Pendidikan Agama Islam, Ekonomi Islam
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/tullab.vol6.iss1.art11

Abstract

Instrumen investasi syariah seperti Saham Syariah, Sukuk, Reksadana Syariah, Deposito Syariah dan Emas sangat diminati karena risikonya lebih rendah. Namun, banyak mahasiswa yang kurang paham tentang investasi syariah, yang dapat mempengaruhi keputusan mereka. Oleh karena itu, studi financial behavior mahasiswa UII dapat mengidentifikasi faktor-faktor seperti overconfidence, risk perception, loss aversion, dan herding yang mempengaruhi keputusan mereka. Tujuan penelitian ini untuk meneliti pengaruh financial behavior mahasiswa UII terhadap pengambilan keputusan investasi syariah dan untuk memahami preferensi mahasiswa dalam memilih instrumen investasi syariah untuk masa depan. Penelitian ini menggunakan pendekatan dual method (kuantitatif dan kualitatif) untuk mengeksplorasi persepsi dan faktor-faktor yang memengaruhi keputusan mahasiswa UII terhadap investasi syariah. Data dikumpulkan melalui kuisioner sebanyak 48 mahasiswa dan wawancara oleh 10 mahasiswa. Analisis data menggunakan partial least square melalui SMART-PLS untuk data kuantitatif, sementara data kualitatif direduksi dan disajikan. Hasil daripada penelitian ini menunjukkan bahwa overconfidence, loss aversion, risk perception, dan herding bias menghasilkan pengaruh yang positif dan signifikan terhadap Keputusan investasi mahasiswa Universitas Islam Indonesia pada instrument investasi syariah. Setiap jenis instrument investasi syariah memiliki trade-off antara keuntungan dan risiko atau kekurangannya, artinya investor harus memilih sesuai dengan profil risiko dan tujuan investasi yang mereka tuju.
Co-Authors Luthfi Hawari Setiawan Muhamad Nur Ichsan Naja, Afifatun