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Asep Dadan Suganda
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Islamiconomic: Jurnal Ekonomi Islam
Published by Universitas Islam Negeri Sultan Maulana Hasanuddin Banten
ISSN : 20853696     EISSN : 25414127     DOI : 10.32678/ijei
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Islamiconomic: Jurnal Ekonomi Islam (IJEI) is a periodical scientific publication intended for economists who want to publish their articles in the form of literature studies, research, and scientific development in the field of Islamic economics. IJEI was first published in 2009 which is annually published twice (June and December). IJEI works closely with the Islamic Economist Association (Ikatan Ahli Ekonomi Islam) and Islamic Economic Society (Masyarakat Ekonomi Syariah) which provides editorial members, peer reviewers, and authors, both are professional associations related to IJEI aims and scopes. IJEI invites manuscripts in the areas: Islamic Economics, Islamic Banking, Islamic Business, Islamic Management, and Islamic Finance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 2 Documents
 1 
Search results for , issue "Vol 17, No 1 (2026)" : 2 Documents clear
Effectiveness of The BYOND Application in Gold Installment Transactions at Bank Syariah Indonesia: Phenomenological Study Rahayu, Elisa Tri; Noor Hasan, Dony Burhan
Islamiconomic : Jurnal Ekonomi Islam Vol 17, No 1 (2026)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v17i1.1363

Abstract

This study aims to determine the effectiveness of the BYOND by BSI application in supporting gold installment transactions at Bank Syariah Indonesia based on user experience. The approach used is a qualitative descriptive phenomenology (Husserlian) transcendental approach involving several informants, consisting of active customers and employees of Bank Syariah Indonesia KCP Lamongan, selected through purposive sampling techniques until data saturation is reached. Data were collected through in-depth semi-structured interviews and analyzed using NVivo 14 through thematic coding techniques based on the stages of Moustakas and Colaizzi. The results show that the application's effectiveness is determined by three main pillars: technological ease, sharia compliance, and user experience quality. This third pillar contributes significantly to customer trust and loyalty, in line with the Technology Acceptance Model (TAM), which contradicts the Sharia compliance dimension. Identified obstacles include network disruptions, limited gold stock, OTP errors, and low digital literacy in understanding digital sharia contracts. This research contributes to the development of Islamic fintech literature by offering a three-pillar model as a framework for evaluating the effectiveness of digital Islamic banking applications, while also providing strengthening of technological infrastructure and sustainable Islamic education programs.
Determinants of MSMEs’ Adoption of Islamic Banking Products: The Role of Halal Lifestyle, Islamic Financial Literacy, and Trust Qholishoh, Ziadatul Nur; Yuningrum, Heny; Muyassarah, Muyassarah
Islamiconomic : Jurnal Ekonomi Islam Vol 17, No 1 (2026)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v17i1.1404

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play an important role in supporting Indonesia’s economic growth; however, the market share of Islamic banking remains relatively small compared to conventional banking, particularly among MSME actors. This indicates that the utilization of Islamic banking products by MSMEs is still limited and may be influenced by behavioral and cognitive factors. Previous studies tend to examine financial literacy or trust separately, leaving limited understanding of how halal lifestyle, Islamic financial literacy, and trust simultaneously influence MSMEs’ decisions to use Islamic banking products. This study aims to analyze the influence of halal lifestyle, Islamic financial literacy, and trust on MSMEs’ decisions to use Islamic banking products in Central Java. This study employs a quantitative approach using primary data collected from 100 MSME actors through questionnaires and analyzed using multiple linear regression. The results show that halal lifestyle and trust have a positive and significant effect on MSMEs’ decisions to use Islamic banking products, while Islamic financial literacy shows a significant negative effect, indicating that higher literacy may encourage MSME actors to be more critical and selective when choosing financial institutions. The three variables simultaneously explain 62.7% of the variation in MSME decisions, with trust identified as the most dominant factor. These findings contribute to the consumer behavior theory perspective in Islamic finance by integrating halal lifestyle, Islamic financial literacy, and trust in explaining MSME financing decisions in Islamic banking.

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