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All Journal Jurnal Ilmiah Ekonomi Islam Journal of Sharia Economics Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Journal of Digital Business and Global Economy Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah. Journal of Strategic Marketing and Innovation
Afidah Nur Aslamah
Universitas Negeri Jakarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Effect of User Experience and System Responsiveness on the Continued Use of the Livin’ by Mandiri Application among Students of the Faculty of Economics, Universitas Negeri Jakarta, with User Satisfaction Jauza Aqhna Kamila; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 2 No. 2 (2026): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.02.2.03

Abstract

This study examines how User Experience and System Responsiveness influence the continued use of the Livin’ by Mandiri application among students of the Faculty of Economics at Universitas Negeri Jakarta, with User Satisfaction serving as a mediating variable. The research employs a quantitative approach, and the data are analyzed using Structural Equation Modeling (SEM) with the assistance of the SmartPLS software. The participants in this study are active students from the Faculty of Economics, Universitas Negeri Jakarta, who actively use the Livin’ by Mandiri application. The results demonstrate that User Experience and System Responsiveness both have a positive and significant impact on User Satisfaction. Furthermore, User Experience and User Satisfaction significantly contribute to the continued use of the application. However, System Responsiveness does not show a significant direct influence on continued use. The mediation analysis further indicates that User Satisfaction partially mediates the relationship between User Experience and continued use, while it does not mediate the relationship between System Responsiveness and continued use. These findings highlight the critical role of user satisfaction in encouraging the sustained use of digital banking applications over time.
Sharia Governance and ESG Performance: Evidence from Islamic Financial Institutions Hilman; Afidah Nur Aslamah
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 06 (2025): JIEI : Vol. 11, No. 06, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i06.18522

Abstract

The global shift toward sustainability-oriented finance has encouraged Islamic financial institutions to integrate Environmental, Social, and Governance (ESG) principles into their operational practices. Meanwhile, Shariah Governance has traditionally been positioned primarily as a mechanism to oversee shariah compliance, and empirical evidence regarding its relationship with ESG performance remains limited. This study aims to analyze the impact of Shariah Governance on the Environmental, Social, and Governance (ESG) performance of Islamic commercial banks in Indonesia during the period of 2021–2024. Additionally, this study also explores the role of bank characteristics, such as bank size (total assets), profitability (Return on Assets/ROA), and bank age, in controlling the relationship between Shariah Governance and ESG performance. Using a quantitative approach, this research employs secondary data obtained from annual reports, sustainability reports, and governance reports of Islamic financial institutions listed on the Indonesian Sharia Stock Index. Shariah Governance and ESG performance were measured through content analysis, while model testing was conducted using SEM-PLS with SmartPLS 4.0. The results indicate that the model explains 43% of the variance in ESG performance through Shariah Governance and control variables including bank size, profitability, and bank age. Key findings from the inner model show that Shariah Governance has a negative and significant effect on ESG performance, while profitability has a positive and significant effect. Bank size shows no significant influence, whereas bank age has a negative and significant effect on ESG performance. These findings suggest that strengthening existing Shariah Governance structures does not automatically enhance ESG performance, and that younger and more profitable institutions tend to be more progressive in adopting sustainability agendas. The study concludes that a reorientation of the Shariah Governance framework is needed so that it not only emphasizes formal compliance but also explicitly integrates sustainability objectives aligned with the maqashid al-shariah. Alif, Y. S., Fitri, S. R., & Pertiwi, H. P. (2025). Implementation of ESG (Environmental, Social, Governance) in Islamic Banks a Critical and Strategic Review. Al-Muwazanah: Indonesian Journal of Islamic Economics, 1(1), 13–25. Arrazi, M. F. (2023). Konsep shariah governance pada lembaga keuangan syariah:(Suatu tinjauan komparatif). MIZANUNA: Jurnal Hukum Ekonomi Syariah, 1(2), 17–30. Boudawara, Y., Toumi, K., Wannes, A., & Hussainey, K. (2023). Shari’ah governance quality and environmental, social and governance performance in Islamic banks. A cross-country evidence. Journal of Applied Accounting Research, 24(5), 1004–1026. Buallay, A. (2019). Is sustainability reporting (ESG) associated with performance? Evidence from the European banking sector. Management of Environmental Quality: An International Journal, 30(1), 98–115. Islamic Financial Services Board (IFSB). (2025). IFSB-31 Guiding Principles For Efective Supervision Of Shari’ah Governance. www.ifsb.org Khan, S., Nisar, M., Sohail, M., Awan, M. M. U., Rehman, A. U., & Yasir, M. (2023). Impact of islamic corporate governance on sustainability performance in Islamic banks of Pakistan: moderating role of insider ownership and institutional ownership. International Journal of Business and Economic Affairs, 8(2), 52–65. Milena, W., & Stefan, A. (2024). Enhancing ESG Performance in Islamic Banks: The Impact of Shari’ah Governance Quality Across Countries. Journal International Economic Sharia, 1(3), 158–174. Puspitasari, N. D., & Kasri, R. A. (2023). Shariah board governance and sustainability performance: analysis of sharia banking in Indonesia. Jurnal Ekonomi & Studi Pembangunan, 24(2), 458–478. Siregar, R. (2025). ESG and Islamic Accounting for Sustainable Islamic Finance: A Qualitative Study. Jurnal Ilmiah Akuntansi Kesatuan, 13(3), 555–566.
A Penta Helix Framework for Sharia Insurance Adoption among Informal Workers in DKI Jakarta Afidah Nur Aslamah; Muhammad Galang Putra Santoso; Nadya Sabrina Az-Zahra; Thahani Thahani
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 3 (2026): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i3.3514

Abstract

This conceptual study develops a Penta Helix framework for strengthening sharia insurance adoption among informal workers in DKI Jakarta, supported by Focus Group Discussion (FGD) data from informal workers and sharia insurance experts. Informal workers often face income instability, occupational risks, and limited access to formal social protection, making sharia insurance relevant for inclusive risk management. However, its adoption remains limited due to low literacy, affordability concerns, limited trust, product complexity, and weak stakeholder collaboration. Using the Penta Helix perspective, this study maps the roles of academia, business, government, community, and media in enhancing awareness, accessibility, trust, and participation in sharia insurance. FGD insights provide contextual understanding of informal workers’ needs, perceptions, and adoption barriers, while expert perspectives enrich the analysis of institutional challenges and strategic opportunities. The study proposes an integrated framework emphasizing collaborative literacy programs, affordable and simple product design, community-based distribution, regulatory support, and effective media communication. This research contributes to Islamic financial inclusion literature and offers practical implications for policymakers, sharia insurance providers, community organizations, and other stakeholders seeking to expand social protection for urban informal workers.
DEVELOPING HALAL FINANCIAL JOURNEY: AN EXPERIENTIAL BOARD GAME FOR ISLAMIC FINANCIAL PLANNING Hilman; Erika Takidah; Achmad Fauzi; Siti Fatimah Zahra; Wahyu Wastuti; Afidah Nur Aslamah
Journal of Sharia Economics Vol. 7 No. 2 (2026): Islamic Economics
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v7i2.10724

Abstract

Islamic financial planning requires not only knowledge of financial principles, but also the ability to apply them in daily financial decision-making. This study aims to develop Halal Financial Journey, an experiential educational board game designed to support learning in Islamic financial planning through contextual decision-making and game-based learning. The study employed a Research and Development (R&D) approach using the ADDIE model, comprising analysis, design, development, implementation, and evaluation. The analysis stage involved needs analysis and Focus Group Discussion (FGD) to identify participants’ financial learning needs and challenges. The prototype was subsequently reviewed by a board game design expert and an Islamic financial planning expert and revised before a limited trial. Evaluation involved a one-group pre-test–post-test design with 24 participants who completed both measurements, complemented by post-game user evaluation and qualitative feedback. The mean score on the understanding measure increased from 87.08 at pre-test to 93.75 at post-test. The Wilcoxon signed-rank test indicated a statistically significant within-participant difference (p = 0.012), with a standardized change of Cohen’s dz = 0.57. User evaluation showed positive perceptions of educational impact, engagement, and interaction, although game duration, learning complexity, and physical components require further refinement. The findings provide preliminary evidence of improvement in measured understanding following gameplay and suggest that the game’s educational value is reflected in decision-making, consequences, and reflection. Rather than establishing causal effectiveness, the study contributes a prototype for experiential Islamic financial planning and identifies priorities for subsequent refinement and controlled evaluation.
Co-Authors Achmad Fauzi Alimah Alda Fuadiyah Andi Muh Fachry Ariyo Alinugroho Singgih Arum Nur Anggraini Azzahrani Hafshah Valiandri Caecilia Sheryl Kusuma Dea Permatasari Erika Takidah Fathir Fairuzzi Fikri Pirmansyah Hilman Hilman Hilman Jauza Aqhna Kamila Jihan Alya Rahma Putri Irmawan Jonathan Halomoan Simanjuntak Juan Wody Romansa Julianda Jahid Muttaqin Kayla Diandra Alisya Lailatul Isti’anah Mardiana Saharani Muhammad Fathurrahman Muhammad Ferry Hidayat Muhammad Galang Putra Santoso Nadya Sabrina Az-Zahra Nanda Melandri Nazwa Eka Putri Nazwa Jelita Soleha Nirmala Fauziah Osly Usman Radja Rafi Aryawira Raniyah Kamilah Robith Ali Zain Musyafa Romanus Mando Fransius Silaen Ryna Parlina Ryna Parlyna Siti Fatimah Zahra Siti Nurlaela Teja Supraba Thahani Thahani Wahyu Wastuti Yeni Hesti Verawati Manurung