Journal title : Jurnal Ekonomi dan Perbankan Syariah Initials : JEPS Frequency : 2 issues per year (April and October) DOI : Prefix: 10.61111/jeps by Online ISSN : 2579-6437 Editor-in-chief : Pranoto Effendi Publisher : Program Studi Perbankan Syariah, IAI SEBI Indexing :Google Scholar| Garuda l Sinta l Dimensions | Crossref | Moraref| Neliti Jurnal Ekonomi dan Perbankan Syariah (JEPS) is a scholarly journal published by Institut Agama Islam (IAI) SEBI. Established in 2013, JEPS is published twice a year, in April and October. All submitted manuscripts undergo an initial editorial review to ensure alignment with the journal’s scope before being sent to peer reviewers for further evaluation. The journal aims to serve as a forum for researchers, academicians, and practitioners who are interested in advancing knowledge and exchanging ideas, issues, and challenges in the fields of Islamic economics and banking. It seeks to address the problems of the ummah and bridge the gap between theory and practice. The scope of JEPS includes, but is not limited to, the following areas: Islamic economics, Islamic business, Islamic banking, Islamic capital markets, Islamic wealth management, Shariah-compliant financial practices, zakat and waqf, takaful, Islamic corporate finance, Shariah-compliant risk management, Islamic derivatives, the role of Shariah Supervisory Boards, and Islamic business ethics. Once an article is accepted, it will proceed to copyediting and typesetting by our production team. Authors will be notified by email when proofs are ready for review. Articles are published according to a first in, first out (FIFO) policy. Manuscripts received between November and April are published in the April issue, while those submitted from May to October are published in the October issue. If the slots for a given issue are already filled, accepted articles will be scheduled for the following edition. The journal is SINTA 5 accredited by the Ministry of Research, Technology and Higher Education Republic of Indonesia No. 204/E/KPT/2022 from 2020 to 2024 (Vol.8. no.1 to Vol.12, No.2, 2024).
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Pengaruh Literasi Keuangan Syariah, Religiusitas, dan Tingkat Kepercayaan Terhadap Pengambilan Keputusan Nasabah Dalam Menggunakan Produk Bank Syariah
This study aims to analyze the influence of Islamic financial literacy, religiosity, and trust levels on customer decision-making regarding the use of Islamic banking products among Bank Muamalat customers at the Kuningan branch office. This research is motivated by the rapid development of the Islamic banking industry, yet the level of Islamic financial literacy and inclusion in Indonesia remains relatively low, with a Sharia literacy index of 43.42% and a Sharia financial inclusion index of 13.41%, according to the 2025 National Survey on Financial Literacy and Inclusion (SNLIK) published by the Financial Services Authority. Bank Muamalat was selected as the research object due to its role as a pioneering Islamic bank in Indonesia and its involvement in the Sharia Literacy Movement (GEULIS) program. The Kuningan branch office was selected purposively based on research accessibility and the characteristics of productive-age customers relevant to the community's Islamic financial literacy. This research uses a quantitative approach using Structural Equation Modeling based on Partial Least Squares (SEM-PLS). The research data was obtained by distributing questionnaires to 144 respondents, customers of Bank Muamalat KCP Kuningan, using a simple random sampling technique. Data analysis was performed using the SmartPLS application. The results showed that Islamic financial literacy did not significantly influence customer decision-making (path coefficient = 0.102; p-value = 0.295 > 0.05). Conversely, religiosity had a positive and significant effect (path coefficient = 0.188; p-value = 0.012 < 0.05), and trust level had a positive and significant effect on customer decision-making (path coefficient = 0.688; p-value = 0.000 < 0.05). Trust level was the most dominant variable, based on the highest path coefficient value and an adjusted R² of 0.749 in the model. Customer trust level was the primary factor driving customer decisions in using Islamic banking products, followed by religiosity. Practical recommendations for Bank Muamalat include improving service transparency to strengthen trust, collaborating with religious institutions to enhance religiosity, and integrating sharia literacy education programs with other supporting factors. These findings also provide strategic input for the Financial Services Authority and the sharia banking industry. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah, religiusitas, dan tingkat kepercayaan terhadap pengambilan keputusan nasabah dalam menggunakan produk bank syariah pada nasabah Bank Muamalat KCP Kuningan. Penelitian ini dilatarbelakangi oleh pesatnya perkembangan industri perbankan syariah, namun tingkat literasi dan inklusi keuangan syariah di Indonesia masih tergolong rendah, dengan indeks literasi syariah sebesar 43,42% dan inklusi keuangan syariah sebesar 13,41% berdasarkan Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2025 yang diterbitkan oleh Otoritas Jasa Keuangan. Bank Muamalat dipilih sebagai objek penelitian karena perannya sebagai pelopor bank syariah di Indonesia dan keterlibatannya dalam program Gerakan Literasi Syariah (GEULIS), sedangkan KCP Kuningan dipilih secara purposive berdasarkan aksesibilitas penelitian serta karakteristik nasabah usia produktif yang relevan dengan kondisi literasi keuangan syariah masyarakat. Penelitian ini menggunakan pendekatan kuantitatif dengan metode Structural Equation Modeling berbasis Partial Least Squares (SEM-PLS). Data penelitian diperoleh melalui penyebaran kuesioner kepada 144 responden yang merupakan nasabah Bank Muamalat KCP Kuningan dengan teknik simple random sampling. Analisis data dilakukan menggunakan aplikasi SmartPLS. Hasil penelitian menunjukkan bahwa literasi keuangan syariah tidak berpengaruh signifikan terhadap pengambilan keputusan nasabah (path coefficient = 0,102; p-value = 0,295 > 0,05). Sebaliknya, religiusitas berpengaruh positif dan signifikan (path coefficient = 0,188; p-value = 0,012 < 0,05), serta tingkat kepercayaan berpengaruh positif dan signifikan terhadap pengambilan keputusan nasabah (path coefficient = 0,688; p-value = 0,000 < 0,05), dengan tingkat kepercayaan sebagai variabel yang paling dominan berdasarkan nilai path coefficient tertinggi dan Adjusted R² model sebesar 0,749. Tingkat kepercayaan nasabah menjadi faktor utama pendorong keputusan nasabah dalam menggunakan produk bank syariah, diikuti religiusitas. Saran praktis bagi Bank Muamalat mencakup peningkatan transparansi pelayanan untuk memperkuat kepercayaan, kolaborasi dengan lembaga keagamaan guna tingkatkan religiusitas, serta program edukasi literasi syariah yang terintegrasi faktor pendukung lain. Temuan ini juga memberi masukan strategis bagi Otoritas Jasa Keuangan dan industri perbankan syariah.
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Media Sosial, Pendapatan, dan Gaya Hidup Pengaruhnya terhadap Minat Masyarakat DKI Jakarta Dalam Membayar Zakat Melalui Platform Fintech
Penelitian ini memiliki tujuan untuk menganalisis apakah faktor Media sosial, Pendapatan, dan gaya hidup dapat mempengaruhi minat masyarakat DKI Jakarta dalam membayar zakat secara online melalui platform fintech. Pada penelitian ini data yang digunakan yaitu menggunakan data primer yang diperoleh dari penyebaran kuesioner dan sekunder yang diperoleh dari jurnal, artikel dengan sampel penelitian sebanyak 100 responden yang berasal dari masyarakat yang berdomisili di wilayah Provinsi DKI Jakarta. Penelitian ini bersifat kuantitatif dan metode yang digunakan pada penelitian ini yaitu analisis regresi linear berganda dengan menggunakan software SPSS. Hasil dari penelitian ini menunjukkan bahwa variabel media sosial, pendapatan, dan gaya hidup memiliki pengaruh secara parsial dan secara simultan yang signifikan terhadap minat masyarakat DKI Jakarta dalam membayar zakat secara online melalui Platform fintech.