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All Journal Journal of Islamic Economics and Philanthropy La Zhulma jurnal ekonomi syariah Jurnal Maps (Manajemen Perbankan Syariah)
Nurkaromah, Silvia Ripa
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

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Penerimaan dan Penggunaan SuperApp BYOND BSI: Ekstensi Teori Technology Acceptance Model Nur Arbaien, Muhamad Fasya; Nurkaromah, Silvia Ripa; Sutarman, Sinta; Apriyani, Hilda
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 8 No. 2 (2025)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v8i2.1190

Abstract

Bank Syariah Indonesia launched SuperApp BYOND by BSI as the successor to the BSI mobile banking app, featuring innovations such as high-level cyber security, easy access to BSI products, and social and spiritual service features. Customer's acceptance and use of this application is still a challenge that needs attention. This research uses a quantitative method with the Technology Acceptance Model theory approach. The objective was to determine the factors that influence BSI customers' acceptance of BYOND SuperApp. The results of this research found that TAM components such as perceived usefulness, perceived convenience, attitudes, intentions, and trust affect the use of the BYOND by BSI mobile banking application by customers. As a result, feature development, security enhancement, and customer education are strategic steps to support the successful implementation of mobile banking technology in Indonesia.
CASH WAQF LINKED DEPOSITS: MAQASHID AL-SYARIAH PERSPECTIVE Nur Arbaien, Muhamad Fasya; Nurkaromah, Silvia Ripa
La Zhulma | Jurnal Ekonomi dan Bisnis Islam Vol 6 No 1 (2025): Maret 2025
Publisher : LPPM IAIT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70143/lazhulma.v6i1.395

Abstract

Cash Waqf Linked deposits can be a sustainable investment instrument proposed by Islam to help maintain the ratio of public expenditure by, for, and of the people without involving interest rates. It is hoped that with the legalization of CWLD, the distribution of benefits of cash waqf will be more comprehensive and based on justice, not just limited to certain parties. CWLD contracts, on the other hand, need to be reviewed for their alignment with the public good from the Maqashid al-Syariah perspective. This research uses a descriptive method with a qualitative approach. The data analysis was conducted using three main steps: data reduction, data display, and data verification. The result of this research confirms that the CWLD scheme is in accordance with Maqashid Al-Syariah. The objectives of Muhafaẓah al-Din, Muhafaẓah al-Nafs, Muhafaẓah al-'Aql, Muhafazah al-Maal, and Muhafazah al-Nasl are interconnected in the CWLD scheme offered. However, in implementation, it is necessary to have specific monitoring from the sharia committee to maintain the consistency of its sharia compliance.
Cash Waqf Linked Deposits: Maqashid Al-Syariah Perspective Arbaien, Muhamad Fasya Nur; Nurkaromah, Silvia Ripa
Journal of Islamic Economics and Philanthropy Vol. 7 No. 4 (2025): May
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/jiep.v7i4.14153

Abstract

Cash Waqf Linked Deposits can be a sustainable investment instrument proposed by Islam to help maintain the ratio of public expenditure by, for, and of the people without involving interest rates. It is hoped that with the legalization of CWLD, the distribution of benefits of cash waqf will be more comprehensive and based on justice, not just limited to certain parties. CWLD contracts, on the other hand, need to be reviewed for their alignment with the public good from the Maqashid al-Syariah perspective. This research uses a descriptive method with a qualitative approach. The data analysis was conducted using three main steps: data reduction, data display, and data verification. The result of this research confirms that the CWLD scheme is in accordance with Maqashid Al-Syariah. The objectives of Muhafaẓah al-Din, Muhafaẓah al-Nafs, Muhafaẓah al-'Aql, Muhafazah al-Maal, and Muhafazah al-Nasl are interconnected in the CWLD scheme offered. The implication of this research is that cash waqf investment managers are expected to follow the procedures set by the Sharia Supervisory Board, as well as transparency in fund management and education about the benefits of digital payments are also important to build waqif loyalty.
Co-Authors Apriyani, Hilda Arbaien, Muhamad Fasya Nur Nur Arbaien, Muhamad Fasya Sutarman, Sinta