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All Journal Sriwijaya Law Review Economica: Jurnal Ekonomi Islam Al-Muzara'ah Jurnal Ekonomi & Keuangan Islam NISBAH: JURNAL PERBANKAN SYARIAH JURNAL SYARIKAH : JURNAL EKONOMI ISLAM ALMUJTAMAE: Jurnal Pengabdian Masyarakat Islamiconomic: Jurnal Ekonomi Islam Ijtimā`iyya: Journal of Muslim Society Research Journal of Central Banking Law and Institutions Indonesian Journal of Multidisciplinary on Social and Technology Istithmar: Jurnal Studi Ekonomi Syariah Jurnal Inovasi Global AL - KAFF: JURNAL SOSIAL HUMANIORA AL-IKTISAB: Journal of Islamic Economic Law
Adi Rahmannur Ibnu
Universitas Djuanda
Religion Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Pengaruh Kepercayaan Kepada Fintech dan Minat terhadap Keputusan Investasi pada Produk E-Mas di Aplikasi BYOND by BSI: Studi Kasus Gen Z di Kota Bogor Muhammad Rajuansyah; Adi Rahmannur Ibnu; Wildan Munawar
Indonesian Journal of Multidisciplinary on Social and Technology Vol. 4 No. 3 (2026): Juli - Oktober
Publisher : PT Ilmu Data Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijmst.v4i3.13138

Abstract

Perkembangan financial technology (fintech) telah mendorong transformasi layanan keuangan dan memperluas akses masyarakat terhadap produk investasi digital yang sesuai prinsip syariah, termasuk produk e-mas melalui aplikasi BYOND by BSI. Generasi Z menjadi kelompok yang penting karena tumbuh dan beraktivitas dalam lingkungan teknologi digital. Namun, kemudahan akses terhadap layanan digital belum tentu langsung menghasilkan keputusan investasi aktual. Kepercayaan terhadap fintech dan minat investasi diduga menjadi faktor yang menentukan perubahan dari ketertarikan menjadi tindakan investasi. Penelitian ini bertujuan menganalisis pengaruh kepercayaan kepada fintech dan minat Generasi Z terhadap keputusan investasi syariah pada produk e-mas di aplikasi BYOND by BSI di Kota Bogor, baik secara parsial maupun simultan. Penelitian menggunakan pendekatan kuantitatif dengan desain kausal. Data primer diperoleh melalui kuesioner skala Likert lima poin kepada 150 responden Generasi Z yang dipilih menggunakan purposive sampling. Analisis dilakukan dengan statistik deskriptif, uji validitas dan reliabilitas, uji asumsi klasik, regresi linear berganda, uji t, uji F, dan koefisien determinasi menggunakan IBM SPSS 25. Hasil penelitian menunjukkan bahwa kepercayaan kepada fintech berpengaruh positif dan signifikan terhadap keputusan investasi dengan koefisien regresi 0,313, t-hitung 4,026, dan signifikansi 0,000. Minat investasi juga berpengaruh positif dan signifikan dengan koefisien 0,813, t-hitung 8,020, dan signifikansi 0,000. Secara simultan, kedua variabel berpengaruh signifikan dengan F-hitung 80,274 dan R² sebesar 0,522. Dengan demikian, peningkatan kepercayaan dan minat investasi dapat mendorong keputusan Generasi Z untuk berinvestasi pada produk e-mas melalui BYOND by BSI.
Determinants of consumer intention to adopt gold installment financing in Islamic banking Aziz, Imam Abdul; Jannah, Fatimah Wardatul; Ibnu, Adi Rahmannur
Jurnal Ekonomi & Keuangan Islam Volume 12 No. 2, July 2026
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol12.iss2.art14

Abstract

Purpose – This study investigates the effects of psychological, social, and marketing mix factors on customer interest in Bank Syariah Indonesia’s gold installment product.Methodology – This study employs a quantitative research approach using survey data collected from 180 existing and potential customers of Bank Syariah Indonesia in Bogor Regency, Indonesia. Data were gathered through structured questionnaires and analyzed using Structural Equation Modeling (SEM) with AMOS version 25 to examine the relationships among the studied variables.Findings – The findings of this study indicate that psychological, social, and marketing mix factors have a positive and significant effect on customer interest in BSI’s gold installment product. Among these variables, the marketing mix emerged as the most dominant factor influencing customer interest, followed by psychological and social factors.Implications – These results suggest that service quality, promotional strategies, and product accessibility are crucial in shaping customer interest in Sharia-compliant gold investment products. This research is useful for improving marketing strategies and service quality at Bank Syariah Indonesia and contributes empirical evidence to the literature on Islamic banking in Indonesia.Originality – This study uniquely applies SEM-AMOS to examine psychological, social, and marketing factors simultaneously, a rare approach in Islamic banking research in Indonesia, particularly in Bogor.
Beyond Religiosity: How Social Capital Drives Institutional Zakat Payment Preferences in Indonesia - A Behavioural Economics Analysis Royyan Ramdhani Djayusman; Adi Rahmannur Ibnu; Setiawan bin Lahuri; Ismail Jalili
Economica: Jurnal Ekonomi Islam Vol. 16 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2025.16.2.26477

Abstract

Notwithstanding the fact that Indonesia has the world’s largest Muslim population, zakat collection through formal institutions is substantially below expectations. In light of this shortfall, this study investigates the interplay between religiosity and social capital on individual preferences for zakat payments and the proportion allocated to official zakat agencies, with the overarching aim of contextualizing the fiqh zakat framework in contemporary Indonesia. Drawing upon the data from a nationwide survey of 794 respondents, the empirical analysis employs Linear Probability Model (LPM) and Poisson Pseudo Maximum Likelihood (PPML) regression techniques to examine the determinants of zakat payment behaviour. Findings reveal that social capital significantly increases both the likelihood of choosing zakat institutions and the portion of zakat paid through them. In contrast, religiosity shows a weaker direct effect on institutional zakat payment. Taken together, these results highlight the pivotal role of social networks and trust in enhancing institutional zakat collection. Therefore, the study advocates for a strategic reform of fiqh zakat practices that integrate social capital strategies to reinforce religiosity and improve zakat compliance through formal channels.
Co-Authors Abdi Satria, Muhammad Zahfal Afiatin Dewi Afiaty Kurniasih Agung Al Asyary Agung Lia Handayani Ahwal, Hasanatul Andri Brawijaya Apriliani, Lastri Denthy Anisha Eko Nur Cahyo Hanna Pertiwi Hilwa Salma Syahdan Imam Abdul Aziz Irfan Maulana Ishaq Ismail Jalili Jannah, Fatimah Wardatul Khoir, Miftahul Lilis Fauziah Balgis Lonasiah Lonasiah Maya Apriyana Miftahul Khair Muhammad Rajuansyah Muhammad Ridlo Zarkasyi Novi Liyanti Putri, Ade Muliya Rizki Umar Ali Roestamy, Martin Royyan Ramdhani Djayusman Setiawan Bin Lahuri Siti Nurlaila, Siti Siti Zuraedah Rahmah Wildan Munawar Wildan Munawar Yoviani, Tiara Zahra Maulida