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All Journal Coopetition : Jurnal Ilmiah Manajemen Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Apriliansyah, Ega
Unknown Affiliation
Religion Economics, Econometrics & Finance Education Social Sciences Other

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Perkembangan Koperasi Syariah di Era Digital: Tantangan dan Peluang Nashiha, Merlly; Apriliansyah, Ega; Putra Nur Falah, Alip; Hidayatullah, Kikin
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 7 No. 1 (2025): Eco-Iqtishodi: Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/h9yw6911

Abstract

The development of sharia cooperatives in Indonesia has undergone significant transformation alongside the rapid advancement of digital technology, which has reshaped how people conduct transactions and interact. In recent years, the sharia cooperative sector has experienced considerable growth, driven particularly by changes in societal behavior that increasingly prioritize the use of digital platforms in various economic activities. This study aims to analyze the challenges and opportunities faced by sharia cooperatives in navigating the digital era. Using a qualitative research approach through a literature review of various relevant journals and reports, the study explores factors influencing the development of sharia cooperatives and how these cooperatives can leverage digital technology to enhance efficiency and competitiveness. The findings reveal that digitalization can expand market access, improve operational efficiency, and support service innovation. However, challenges such as limited technological understanding among members and regulatory barriers remain significant hurdles. The study concludes that sharia cooperatives must undergo digital transformation with a structured strategy to ensure sustainability and competitiveness. Keywords: Sharia Cooperatives, Digitalization, Challenges, Opportunities
Faktor-Faktor yang Mempengaruhi Minat Nasabah Menggunakan Aplikasi Byond serta Relevansinya Terhadap Maqāṣid Syariah Hakim , Abdul; Apriliansyah, Ega
Coopetition : Jurnal Ilmiah Manajemen Vol. 17 No. 1 (2026): Coopetition : Jurnal Ilmiah Manajemen
Publisher : Program Studi Magister Manajemen, Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/0a8w9m31

Abstract

ABSTRACT The launch of BYOND SuperApp by BSI received a positive national response, yet there is an adoption gap at BSI KCP Cinunuk where the majority of customers have not switched from the legacy app. This study aims to analyze the factors affecting customer interest in using the BYOND app and its relevance to Maqāṣid Sharia. The method used is quantitative with multiple linear regression analysis. Data were collected via questionnaires from 97 active customers at BSI KCP Cinunuk. The findings show that simultaneously, perceived ease of use, usefulness, security, promotion, and Sharia values significantly influence usage interest by 74%. Partially, only perceived usefulness and security are significant determinants. Interestingly, Sharia values do not directly influence interest but serve strategically as value reinforcement aligned with the protection of religion (ḥifẓ al-dīn) and wealth (ḥifẓ al-māl). Managerial implications suggest that BSI should focus strategies on strengthening functional benefits and security systems to accelerate adoption, while positioning Sharia features as a unique competitive advantage in the digital banking ecosystem. Keywords: BYOND App, Customer Interest, Maqāṣid Sharia.
Co-Authors Hakim , Abdul Hidayatullah, Kikin Nashiha, Merlly Putra Nur Falah, Alip