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All Journal Izdihar : Jurnal Ekonomi Syariah Ziswaf Asfa Journal Profetik Jurnal Ekonomi Syariah Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Cahaya Pengabdian
Shultoni, Muhammad
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Religion Computer Science & IT Economics, Econometrics & Finance Education Social Sciences Other

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The Influence of Knowledge, Religiosity, Company Image, and Trust on Customer Interest in Saving at KSPPS BMT Tazakka Bojong Awalia, Wina; Shultoni, Muhammad; Adinugraha, Hendri Hermawan
ZISWAF ASFA Vol 1 No 2 (2023): ZISWAF ASFA Journal (October 2023)
Publisher : ASFA Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69948/ziswaf.10

Abstract

This research was motivated by the knowledge of BMT Tazakka Bojong KSSPPS customers who did not know much about Sharia financial institutions, even though there are many services at BMT Tazakka KSPPS that customers can use, one of which is a high-cost and popular savings product. A financial interest is a person's interest in a particular financial product.  Interest will arise from a visual or conceptual view of the product so that the group's plans can determine their investment decision. This study used statistical methods using SPSS software.  The population of this study was the management of KSPP BMT Tazakka Bojong, with a sample of 94 respondents.  The sampling method uses purposive sampling, and the data collection method uses questionnaires.  The results showed that diversity of knowledge, religion, and beliefs had a positive effect, while the company's image variable did not have a significant effect. The diversity of religious knowledge, company image, and beliefs positively and significantly influences interest.
Islamic Philanthropy In Indonesia: A Bibliographic Analysis of Its Regulation and Practice Adinugraha, Hendri Hermawan; Shultoni, Muhammad; Adella, Desy; Al-Kasyaf, Muhammad Zheeva
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 4, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v4i1.14706

Abstract

This research analyzes the role of Islamic philanthropy in Indonesia through a bibliographic approach, examining its contributions, trends, and challenges. A literature review collected data from scholarly sources such as journals, books, and research reports, focusing on publications from the last 5–10 years to ensure relevance. Findings show that Islamic philanthropy—zakat, infaq, sadaqah, and waqf (ZISWAF)—is crucial in poverty alleviation and community empowerment. Research trends indicate a surge in publications after 2015, particularly during the COVID-19 crisis (2020–2021), highlighting ZISWAF’s role in emergencies. Key challenges include low public literacy in waqf, technological barriers, and a lack of transparency in fund management. This study recommends digitalization, improved fund management, and stronger collaboration between the government and private sector to enhance impact. The novelty of this research lies in its bibliographic approach, which identifies research trends and gaps. By addressing existing challenges, Islamic philanthropy can play a more significant role in sustainable development in Indonesia.Keywords: Islamic philanthropy, regulation, bibliographic analysis, and Indonesia.
Innovation in Technology, Financial Literacy, and Security Risk in Cardless Withdrawals: Case Study on Customers Adoption at Bank Syariah Indonesia Henderianto, Ricky; Adinugraha, Hendri Hermawan; Shultoni, Muhammad; Andrean, Rizky
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (2025)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v11i1.5925

Abstract

Purpose: This study aims to analyze the impact of technological innovation, financial literacy, and security risk on the adoption of cardless withdrawal services among customers of Bank Syariah Indonesia (BSI) in Pekalongan Regency.Design/methodology: A quantitative research approach was employed, collecting data through a questionnaire distributed via Google Forms. The sample size was determined using the Lemeshow formula, resulting in 97 respondents. Data analysis included classical assumption tests, multiple linear regression, and hypothesis testing.Findings: The results indicate that technological innovation and security risk positively and significantly inthe fluence the adoption of cardless withdrawal services. Customers perceive security as a crucial factor in their decision to use this service. However, financial literacy does not significantly impact adoption, suggesting that customers’ financial knowledge does not play a major role in their willingness to utilize this feature.Practical implications: The findings provide valuable insights for Islamic banks to enhance digital banking adoption by improving technological infrastructure and security features. Additionally, efforts should be made to raise awareness about financial literacy to encourage broader acceptance of innovative banking services.Originality/Value: This study explores the adoption of cardless withdrawal services within the context of Islamic banking, particularly in a regional setting that has not been extensively studied. It offers a novel contribution by examining the interplay of technological innovation, financial literacy, and security risk in influencing customer behavior.
ANALISIS KEPATUHAN SYARIAH PADA APLIKASI SHOPEE PAYLATER STUDI KASUS PENGGUNA DI KABUPATEN PEKALONGAN Rafanda, Shelly; Shultoni, Muhammad; Hermawan Adinugraha, Hendri
Izdihar: Jurnal Ekonomi Syariah Vol. 5 No. 01 (2025): April
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v5i01.5192

Abstract

Penelitian ini bertujuan untuk menganalisis Kepatuhan Fitur Shopee Paylater Terhadap Prinsip Ekonomi Syariah Studi Kasus Di Kabupaten Pekalongan. Penelitian ini menggunakan metode penelitian kualitatif, pengambilan data dilakukan secara langsung di tempat penelitian, observasi ini dilakukan dengan mengamati praktik pengunaan pinjaman baik dari aplikasi Shopee maupun respon pengguna serta permasalahan yang ada. Hasil penelitian didapat bahwa penggunaan Shopee Paylater tidak seseuai dengan prinsip ekonomi syariah yang melarang riba dalam segala bentuk. Selain itu, mekanisme pembayaran Paylater tidak sesuai dengan akad qardh yang diperbolehkan dalam Islam. karena adanya kelebihan atau tambahan dari hutang yang harus dibayarkan. Serta adanya denda keterlambatan pada saat pembayaran telah melewati jatuh tempo. Berdasarkan temuan tersebut, disimpulkan bahwa penggunaan Paylater tidak dibenarkan dalam hukum Islam. Umat Islam dihimbau untuk menghindari penggunaan Paylater dan memilih metode pembayaran yang sesuai dengan syariat Islam.
Bakti Sosial Gerakan Berbagi oleh Ikatan Mahasiswa Tegal di Desa Pangkah Rosyidatunnuha, Diva; Alawiyah, Nafisatul; Risqiawati, Iiq Nahyu; Shultoni, Muhammad
Cahaya Pengabdian Vol. 1 No. 1 (2024): Juni 2024
Publisher : Apik Cahaya Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61971/cp.v1i1.45

Abstract

Kegiatan baksos ini ditujukan untuk Masyarakat yang kurang mampu dan mengalami kesulitan dalam memenuhi kebutuhan pokok sehari-harinya. Bakti sosial, atau lebih dikenal sebagai baksos, adalah kegiatan yang bertujuan untuk menunjukkan dan memperkuat rasa kemanusiaan antar sesama manusia. Melalui baksos, kita dapat mempererat hubungan dan kekerabatan dengan orang lain, serta mewujudkan rasa cinta kasih, tolong-menolong, dan kepedulian. Kegiatan bakti sosial dan berbagi ini tidak hanya bertujuan untuk membantu masyarakat Desa Pangkah dalam jangka pendek, tetapi juga untuk menciptakan perubahan positif yang berkelanjutan. Kegiata bakti sosial dan grebeg ini dilakukan di Desa Dermasuci kecamatan Pangkah Kabupaten Tegal. Metode yang dilakukan yaitu dengan melalui survey langsung. Hasil yang didapatkan dari kegiatan bakti sosial Grebeg ini adalah dapat mempererat hubungan silaturahmi dengan satu sama lain, menjadi lebih peka terhadap lingkungan sosial, menumbuhkan sikap peduli terhadap sesama serta meningkatkan kebahagiaan. Memberi sebagai bentuk kepedulian orang lain adalah sesuatu yang berhubungan dengan kebahagiaan bahkan kesehatan.
Co-Authors ADELLA, DESY Al-Kasyaf, Muhammad Zheeva Alawiyah, Nafisatul Andrean, Rizky Awalia, Wina Henderianto, Ricky Hendri Hermawan Adinugraha Hermawan Adinugraha, Hendri Rafanda, Shelly Risqiawati, Iiq Nahyu Rosyidatunnuha, Diva