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All Journal Journal of Economics and Social Sciences Jurnal Ekonomi, Akutansi dan Manajemen Nusantara
Qomarul Haq
Institut Agama Islam Hasan Jufri Bawean
Agriculture, Biological Sciences & Forestry Automotive Engineering Biochemistry, Genetics & Molecular Biology Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences

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Shift in Payment Method Preferences from Cash to Sharia-Based Mobile Banking: A Study of Muslim Consumer Behavior on Bawean Island Muhammad Rahel; Andrian Firman Shah; Raudatul Jannah; Rifky Ananda Rahman; Qomarul Haq; Alif Sandika Putra; Mudarrisa; Salsabilaturribi; Murtasiyah; Inayatul Fatimah
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.1233

Abstract

This study aims to analyze the determinants of the shift in payment preferences from cash to Sharia-based mobile banking among Muslim consumers on Bawean Island. This study highlights the adaptation of financial technology in an archipelagic region with strong religious cultural characteristics and dependence on the migrant economy. The research method used a descriptive quantitative approach through a survey of 107 respondents residing in Sangkapura and Tambak subdistricts, with demographic variations ranging from students to entrepreneurs. The results reveal that technology adoption is dominated by younger age groups (Generation Z and Millennials). Utility factors such as transaction speed, bill payment efficiency, and ease of receiving remittances from migrant relatives are the main functional drivers. Substantially, religious aspects including halal guarantees, riba-free principles, and the integration of worship features proved to be distinguishing factors that built user trust and peace of mind. Although perceptions of application security were relatively high, infrastructure constraints in the form of unstable internet signals remained a significant technical obstacle in the region. Overall, it is concluded that sharia mobile banking in Bawean has transformed into a vital solution that bridges the needs of modern economic transactions with compliance with Islamic values.
Implementasi Pembiayaan KPR Sejahtera Bersubsidi Di Bank Syariah Nasional KC Malang : Studi Kualitatif Terhadap Penerapan Akad Murabahah Nina Kholifah Nina; Raudatul Jannah; Mudarrisa Mudarrisa; Qomarul Haq
Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Vol. 5 No. 1.1 (2026): SPECIAL ISSUE — AUGUST 2026
Publisher : Utiliti Project Solution

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Abstract

Penelitian ini bertujuan untuk menganalisis pelaksanaan akad murabahah pada produk pembiayaan Kredit Pemilikan Rumah (KPR) di Bank Syariah Nasional Kantor Cabang Malang. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif deskriptif dengan mengumpulkan data melalui wawancara, observasi, dan studi dokumentasi. Temuan penelitian menunjukkan bahwa mekanisme pembiayaan KPR di BSN KC Malang telah dilaksanakan sesuai dengan prinsip syariah yang ditetapkan oleh Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Proses pembiayaan dimulai dengan permohonan dari nasabah, dilanjutkan dengan akad wakalah, serta pelaksanaan akad murabahah di mana bank bertindak sebagai pihak penjual rumah kepada nasabah, berdasarkan prinsip keterbukaan atas harga pokok dan margin keuntungan yang sudah disepakati sejak awal serta bersifat tetap selama periode pembiayaan. Program KPR subsidi ini dianggap memiliki peran penting dalam memberi akses kepada masyarakat berpendapatan rendah untuk memiliki tempat tinggal melalui skema pembiayaan yang transparan dan sesuai dengan prinsip syariah. Namun, dalam pelaksanaannya, masih ada beberapa tantangan, seperti kelengkapan dokumen nasabah dan proses administrasi yang memerlukan ketelitian tinggi. Penelitian ini diharapkan dapat memberikan kontribusi sebagai referensi untuk pengembangan skema pembiayaan perumahan yang berbasis syariah serta sebagai bahan evaluasi dalam upaya meningkatkan kualitas layanan perbankan syariah.
Co-Authors Alif Sandika Putra Andrian Firman Shah Inayatul Fatimah Mudarrisa Mudarrisa Mudarrisa Muhammad Rahel Murtasiyah Nina Kholifah Nina Raudatul Jannah Rifky Ananda Rahman Salsabilaturribi