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All Journal Ziswaf Asfa Journal Profetik Jurnal Ekonomi Syariah Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Shultoni, Muhammad
Unknown Affiliation
Religion Economics, Econometrics & Finance

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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.
Co-Authors ADELLA, DESY Al-Kasyaf, Muhammad Zheeva Andrean, Rizky Awalia, Wina Henderianto, Ricky Hendri Hermawan Adinugraha