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91	PhD Colloquium	ABS-103
Pembangunan Ekonomi Indonesia vs Turki dalam Perspektif Geopolitik, Geoekonomi, dan Geostrategi Siti Inayatul Faizah Universitas Airlangga Abstract Penelitian ini bertujuan untuk menganalisis pembangunan ekonomi Indonesia dan Turki dengan menggunakan perspektif geopolitik, geoekonomi, dan geostrategi. Hubungan antara Indonesia dan Turki sudah terjalin jauh saat kedua negara masih dalam kekuasaan kerajaan dan kekaisaran. Indonesia melalui Samudera Pasai berupaya menjalin hubungan dengan kekaisaran Ottoman sejak abad 16. Hubungan baik kedua negara tetap berlanjut hingga saat ini, apalagi Turki menjadi salah satu negara yang turut mengakui kemerdekaan Indonesia di awal kemerdekaan. Indonesia dan Turki sama-sama terletak di kawasan yang strategis untuk perdagangan yang diharapkan dapat menjadi pendorong dalam pembangunan ekonomi. Letak yang strategis ini menjadikan dua negara memiliki keuntungan sekaligus kerugian. Keuntungan yang diperoleh menjadikan kedua negara memiliki peran penting dengan menjadi aktor kawasan regional yang diperhitungkan jika dapat mengoptimalkan potensi kawasan. Namun, kedua negara juga tidak lepas dari konflik eksternal, yang diakibatkan oleh perebutan aliansi dan kekuasaan yang membahayakan keamanan nasional. Penelitian ini akan menggunakan metode Analytic Network Process (ANP). Keywords: pembangunan ekonomi- geopolitik- geoekonomi- geostrategi Share Link | Plain Format | Corresponding Author (Siti Inayatul Faizah)

92	PhD Colloquium	ABS-104
A review on Governance of Waqf Institutions: Issues and Proposed Solutions Lusiana Handayani Universitas Airlangga Abstract This paper reviews the literature on waqf governance. The aim is to provide input for government policies to solve the critical issues of waqf governance. The methodology used in this study is the Systematic Literature Review (SLR) approach. The data used for this research are from reputable international journals. The manuscripts that have been collected consist of 26 papers that are classified into three main topics. The most research topic is Accountability with 38% coverage, followed by reporting and transparency with 35%. Meanwhile, governance is the slightest interest with 27%. At the end of each topic, it provides input for the government and directions for future researchers. Keywords: Waqf, Governance, Literature Review, Issues, Future Research Share Link | Plain Format | Corresponding Author (Lusiana Handayani)

93	PhD Colloquium	ABS-105
THE SIGNIFICANCE INFLUENCE OF ISLAMIC FINANCE ON ASEAN FINANCIAL STATECRAFT syafrina machfud Airlangga university Abstract Banking and Finance around the world is also being challenged by the emerging geopolitical context. Geopolitical economy powershift- particularly among the US, and China will push further regionalization of the global economy between these big economies. This powershift includes a change in the value of power in military, economic and technological aspects in the age of globalisation. Previous studies has recognised the ongoing leadership and influence competition between the West and Asia, which has included the development of collective financial statecraft tools. Islamic Banking and Finance (ISBF), since its expansion, creates a link between new geographies and financial power. ISBF is now become a feature of financial landscapes and represents a key trend in global finance over the last 15 years (Pollard and Samers, 2007) and Islamic movement (Henry and Wilson, 2012). This purpose of this paper is to examine the the significance influence of Islamic Finance (IF) in OIC financial statecraft as a political economy tool in achieving geopolitical economy security objectives and other economic goals in Indo-pacific by creating path analysis and testing on hypothesis using Multi layer feed-forward Neural network. This paper adds to the existing research on methods to ISBF by integrating the concept of national power indicators, Monetary and financial profile indictors and Geopolitical economics. This study hopes to illuminate the decision and policy making process for government, legislator, investors and practitioner to fully appreciate the role of ISBF either to promote, prevent or permit the regional economic framework made by the US and/or China in Indo-Pacific in a form of policy options Keywords: Financial statecraft, geopolitical economy, Islamic banking and finance Share Link | Plain Format | Corresponding Author (syafrina machfud)

94	PhD Colloquium	ABS-106
Startegi Kemandirian Lembaga Pendidikan Dengan Sistem Wakaf Arridha Harahap Airlangga university Abstract Indonesia yang memiliki 34 propinsi yang tersebar dari barat hingga timur tentunya memiliki ribuan sekolah dari tingkat sekolah dasar hingga perguruan tinggi. Masing-masing lembaga pendidikan ini memiliki kualitas yang berbeda pula khususnya antara pendidikan di desa dan di kota. Fasilitas pendidikan di perkotaan lebih lengkap dan beragam dari pada di pedesaanClick or tap here to enter text.. Tenaga pendidiknya pun memiliki latar belakang pendidikan yang lebih baik. Jangkauan informasinya pun lebih cepat dijangkau. Sejarah menunjukkan bahwa wakaf telah berhasil dalam menjaga kemandirian lembaga pendidikan. Komponen dari kemandirian ini terwujud dengan kualitas pendidikan yang baik, terpenuhinya kesejahteraan bagi para tenaga pendidik, para penuntut ilmu yang mendapatkan biaya yang murah dengan kualitas pendidikan yang baik, sarana dan prasarana yang memadai serta tentunya biaya pendidikan yang terjangkau bahkan ada yang tidak mengeluarkan biaya. Dengan berbagai permasalahan pendidikan seperti putus sekolah, biaya pendidikan yang tinggi, masalah buta huruf, fasilitas bangunan sekolah yang tidak memadai serta berbagai masalah pendidikan lainnya, wakaf menjadi angin segar dalam membantu lembaga pendidikan mandiri dalam mengelola lembaga pendidikan yang dibangunnya. Sejalan dengan pernyataan Rusydiana (2021), bahwa pendidikan merupakan barang publik yang harus dapat dirasakan oleh semua lapisan masyarakat tanpa terkecuali. Atas latar belakang di atas maka rumusan masalah dari penelitian ini adalah bagaimana model strategi kemandirian lembaga pendidikan dengan sistem wakaf di Indonesia melalui metode Analytic Network Process (ANP) Keywords: waqf, quality education, educational institution Share Link | Plain Format | Corresponding Author (Arridha Harahap Arridha Harahap)

95	PhD Colloquium	ABS-114
Islamic Personal Finance Behaviour: A Systematic Literature Review Clarashinta Canggih Universitas Airlangga Abstract - Purpose: This paper aims to analyse research trends, lessons learned, the key issue, and challenges in research regarding Islamic Personal Finance Behavior - Design/methodology/approach: This research uses the systematic literature review method by analysing scientific articles in the Web of Science and Scopus databases during the 2012-2022 timeframe using predetermined search keywords. In determining the articles used in the review, strategies include 1) Identification, 2) Screening, 3) Eligibility, and 4) Inclusion. - Findings -Islamic Personal Finance Behavior articles were primarily published in 2016 and 2020, with most authors coming from the United Kingdom and using quantitative approaches. The shift in Islamic values is challenging for researchers to analyse and reconstruct the constructs of individual financial behaviour. Islamic Personal Finance Behavior is closely related to Islamic Religiosity. The research published in the selected articles in this study can be grouped into two major topics, i.e. Wealth Generations and Accumulations and Wealth Distribution with the most articles on Wealth Distribution. - Research Limitations - This study only uses articles that are included in the ABDC list with A* and A ratings in the Scopus and WoS databases during 2012-2022 - Practical Implications: This research is expected to be a reference for a comprehensive study of Islamic Personal Finance Behavior. Keywords: systematic literature review, Islamic Personal Finance Behavior Share Link | Plain Format | Corresponding Author (Clarashinta Canggih)

96	PhD Colloquium	ABS-115
SHARIA ENTREPRENEURSHIP MODEL IN INDONESIA Ahmad Dahlan Malik Airlangga University Abstract entrepreneurial activities play an active role in contributing to the national economy in general. Not only that, the role of entrepreneurial activities through micro, small and medium enterprises (MSMEs) has a very important role in maintaining the country^s economic stability, especially when there was an economic crisis in Indonesia in 1998. The activities of MSMEs cannot be separated from entrepreneurship (entrepreneurship). Where entrepreneurial activities are expected to be a character for the people and nation of Indonesia, thus giving birth to a reliable, resilient, and independent New Entrepreneur (NE).The development and improvement of Sharia entrepreneurs is encouraged massively and sustainably in order to increase its existence. Several developments have been carried out, one of which has been carried out the development of sharia entrepreneurship based on Islamic entrepreneurship model (IEM) based on local wisdom competitively by aiming at IEM as one of the government^s references or policy makers in creating and directing business actors to uphold sharia values, directing the community in having a sharia entrepreneurial spirit, improving business management skills and good finances, as well as their implementation in society. The development of the Islamic Entrepreneurship model is very necessary in understanding the development of conditions, needs and its role in helping broad economic development, especially in the development of Islamic Entrepreneurship in Indonesia. This research using ANP method in order to know the priority development of Islamic Entrepreneurship in Indonesia. The result proposes that the necessity of program or activities that need to be conducted by the entrepreneurs to be successful are combined the model of waqf, local culture, and religions indicators. Keywords: MSMEs, Entrepreneur, Islamic Entreprenurship, Model, ANP. Share Link | Plain Format | Corresponding Author (Ahmad Dahlan Malik)

97	Quality education	ABS-24
Leadership in Non-profit Organization: A Systematic Literature Review Arridha Harahap Airlangga University Abstract This study aims to collect various studies related to leadership in non-profit organizations. Several previous studies on non-profit organizations discussed more transparency, accountability, governance, and honesty in maintaining the sustainability of the non-profit organization. In contrast, the research linking leadership is still very minimal. Using the Systematic Literature Review method, which collects several papers on Scopus-indexed journal pages, leadership^s role in maintaining a non-profit organization^s sustainability can be studied further. The results of this study are expected to provide a new view that leadership can influence not only sustainability but also the independence of an organization that is not profit-based. In addition, the result of this study can be converted into Islamic Social Financial institutions such as ZIS, Waqf, or Waqf-based Educational institutions (pesantren). To show the form of leadership in that institution, how to understand the organization^s needs, decide a policy, and various other contributions. A leader also contributes to the success or failure of the institution in carrying out its social activities and maintaining its survival. Keywords: Leadership, Waqf, Pesantren Share Link | Plain Format | Corresponding Author (Arridha Harahap Arridha Harahap)

98	Quality education	ABS-60
ANALYSIS OF CONSUMER BEHAVIOR IN ONLINE SHOPPING: ISLAMIC PERSPECTIVE Trisnaning Setya Sutjipto Universitas Airlangga Abstract The development of the digital era has triggered changes in consumer behavior in using technology for transactions. The emergence of online shops and marketplaces or online shopping sites has become one of the lifestyle choices of today^s people to shop practically and efficiently. However, in making purchases, a Muslim must remain obedient to the corridors and values of sharia. The purpose of this study is to investigate how moslem consumer behavior in online shopping is obedient to guiding consumption principle in Islam. The method used in this research is a literature study which uses secondary data obtained from existing research and references. This study concludes that many findings from previous studies in Muslim-majority countries such as Saudi Arabia and Malaysia show non-compliance with Muslim consumer behavior towards sharia corridors and values as quoted in the Qur^an and As-Sunnah, especially in avoiding israf (one of the guiding principles of consumption in Islam is not to consume excessively/hedonism). There is no difference found regarding the method of the buying (online/offline). Both methods online and offline buying behavior have a positive significant relationship in consuming with hedonism style. Muslim consumers must behave moderately where they do not act excessive consumption which leads to tabdhir (wastefullness) and also israf (excesiveness) or deficiency to lead to bukhl (miserliness) as Al-Quran and As-Sunnah cited. Keywords: Islamic Consumption, Online Shopping, Consumer Behavior, Israf, Bukhl. Share Link | Plain Format | Corresponding Author (Trisnaning Setya Sutjipto)

99	Quality education	ABS-74
ANALYSIS OF THE EFFECT OF LAW NO. 7 YEAR 2021 ON THE VALUE OF EXPORTS IN INDONESIA: A CASE STUDY OF EXPORT AND IMPORT FORWARDING SERVICES Ahmad Waisul Qorony Masters Program in Islamic Economics, Faculty of Economics and Business, Universitas Airlangga waisulahmad97[at]gmail.com Abstract Indonesia^s economic civilization after the active Covid-29 soared so badly that the government racked its brains to implement policies that could change Indonesia^s economic position to improve again. The right policy is to tackle government spending, especially in the tax sector, which can change the position of the economy as a significant government income. Tax sources can contribute greatly to the state budget. So that in 2011-2020 the Performance Invoice of the PPN Performance Tax has a ratio of 56.51% and a BRR of 0.60. The government automatically issues a tax on VAT as stated in Law no. 7 of 2021 concerning Harmonization of Tax Regulations. One of the sectors affected by the tax law is the logistics industry or company that is directly involved in domestic, export and import shipping. There are several logistics affected, one of which is PT. Lintang Bumi Nusantara Trans which has a direct impact because the biggest orientation is in the shipping service sector, so this company rotates policies related to price lists, especially prices on exports and imports, they even provide policies for customers so that they are not crucially affected by their assets. The large influence of taxes which are considered to have a significant impact greatly changes all sectors, especially the logistics industry, if the company does not provide new policies, it will be very detrimental to the assets owned and can even harm the company. Keywords: Taxes, Law no. 7 Year 2021, Logistics Share Link | Plain Format | Corresponding Author (Ahmad Waisul Qorony)

100	Recent technological development	ABS-8
THE EFFECT OF TRUST, BRAND AWARNESS, SOCIAL PIETY IN DONATION DECISIONS THROUGH THE DIGITAL PLATFORM IN LOMBOK ISLAND Dahlia Bonang (a)* (b), Muh.Baihaqi (b) a)Doctoral Program on Islamic Economics Science, Airlangga University *dahlia_db[at]uinmataram.ac.id b)Faculty of Islamic Economics and Business, Universitas Islam Negeri Mataram Abstract This study aimed to identify the influence of trust, brand awareness, social piety in the decision to donate using the fintech platform. This research concept was developed to examine the relationship between the four constructs. Moreover, purposive sampling technique included around 250 community respondents spread across Lombok island. Thus, this quantitative research with a case study approach gathered and analyzed data through SEM (Structural Equitional Modeling) technique. The findings showed positive and significant influence between trust on the decision to donate through the fintech platform, significant relationship between brand awareness and social piety and the decision to donate through the fintech platform. Meanwhile, brand awareness of social piety, and trust on social piety do not impact each component. Hence, this research implied that digital platforms are fundraising institutions that are active in carrying out humanitarian missions by collecting funds from the public through the fintech platform so that they always prioritize the principle of openness in managing public funds. Transparency can increase public trust so that they will spontaneously always use the platform whenever they want to channel funds. Keywords: Trust, Brand Awareness, Social Piety, Donation Decision, Fintech Platform Share Link | Plain Format | Corresponding Author (DAHLIA BONANG)

101	Recent technological development	ABS-10
DIGITAL WALLET - BASED FINTECH ECOSYSSTEM IN INDONESIA MAQASHID AL - NAJJAR PERSPECTIVE Anisa Fadilah Zustika , Sri Herianingrum, Andriani Samsuri, Nurhayati Islamic Economics Department, Faculty of Economics and Business, University of Airlangga, Islamic Economics Department, State Islamic University of Sunan Ampel Surabaya Abstract Digital technology is growing rapidly, especially in Indonesia. In economic activities all payment transactions are already using the digital application system. This payment tool is usually called an e-wallet / digital wallet. In order to support the realization of the Sharia economic masterplan carried out by the National Committee on sharia economics & finance (KNEKS), and become one of the ways in realizing the government^s plan to make Indonesia a leading Sharia economic center by 2024, LinkAja officially launched Sharia services in 2020. The purpose of the study was to determine the model of e-wallet-based fintech ecosystem in Indonesia and to know the review of maqhashid al-Najjar. Research with netnography method. Data sources were taken through the method of data site, interviews, and digital diary.With primary data and secondary data. Analysis data with 6 stages of netography, namely initiation, investigation, interaction, immersion, integration and Incarnation. The results of the study stated that linkaja^s Sharia service is the first and only Sharia-based e - wallet in Indonesia. Transaction of syariah services, LinkAja clearly explained the process and transaction of contract on its oeprasional. Linkaja Sharia service as an application becomes the core ecosystem and has 5 ecosystem elements which include demand, talent, solution, capital, and policy. In this ecosystem, several parties such as governments, companies, merchants and several partners support Sharia transactions or financial migration for Indonesia to become a leading Sharia economic center in 2024. The LinkAja Sharia service ecosystem only meets 7 values of maqusyshid al-Najjar, namely faith, humanity, self, mind, prosperity, social entity, wealth and there is one value that has not been fulfilled, namely the value of the natural environment which is the task of Corporate social Responsibility (csr). suggestions for the government to hold special regulations related to Sharia e - wallet Keywords: fintech ecosystem, e-wallet, Indonesia, and maqhashid al-Najjar Share Link | Plain Format | Corresponding Author (Anisa Fadilah Zustika)

102	Recent technological development	ABS-13
Donors Intention to Digital ZIS Payments: Combination UTAUT 2 and Initial Trust Model Approach Jaenudin, M (a), Basit, Abdul (a), Ratnasari, Ririn Tri (a) (a) Airlangga University Abstract This study aimed to determine the factors influencing donors in making digital payments of zakat, infaq, shadaqah (ZIS) and identify the dominant factors influencing donors in paying ZIS digitally. This study uses a combination of UTAUT 2 with an initial trust model. Primary data is collected through an online survey involving 103 donors from various provinces in Indonesia who have or will pay zakat, infaq, and shadaqah digitally and analyzed using structural equation modeling (SEM PLS). This study uses a relatively small sample size compared to the size of the Indonesian population. Thus, the results should be analyzed according to the observed sample. Zakat institutions must ensure that their system can provide pleasure, initial trust, and facilitating conditions (network and security). These three factors affect the intention to pay zakat, infaq, and shadaqah digitally. The research provides additional quantitative study literacy on the behavior of paying zakat, infaq, and shadaqah digitally, especially in Indonesia. Keywords: Zakat Institution, Digital ZIS payments, UTAUT 2, Initial Trust Model. Abstrak Tujuan Share Link | Plain Format | Corresponding Author (M Jaenudin)

103	Recent technological development	ABS-14
Risk Management of Islamic crowdfunding livestock-based in Indonesia: The case study at Ternaknesia Farm Innovation M Jaenudin1(a), Achsania Hendratmi(a) Airlangga University Abstract Purpose - The aim of the study is to analyze the risk of management at Ternaknesia Farm Innovation as a Fintech. Methodology - This study uses a qualitative approach with the case study method. This research uses purposive and snowballs sampling to collect data using direct interviews, documentation, and observation. The unit of analysis in this study is the risk management process using a Standards Australia/ Standards New Zealand AS/NZS 4360:1999 methods. Findings - This study shows that Ternaknesia Farm Innovation conducts a risk management process focusing on breeder selection and assistance. That is because the business core in Ternaknesia is in the real sector of breeders. In addition, there are risks related to technology risk, investor risk, sharia compliance risk, investment project risk, and market risk. Originality - This study is expected to provide a new perspective and consideration of the risk management process carried out by Islamic crowdfunding with the same business (livestock) base. Research limitations - This study uses case studies with the object of research being limited to Ternaknesia Farm Innovation so that risk management can be different from other research objects. Practical implications - This study can be a policy suggestion in risk management and developing the fintech, especially in prioritizing risk at Islamic Crowdfunding. So that in practice, it can be done effectively and efficiently. Keywords: Risk Management, Financial Technology, Islamic Crowdfunding, Livestock, Ternaknesia Farm Innovation Share Link | Plain Format | Corresponding Author (M Jaenudin)

104	Recent technological development	ABS-21
AN EXAMINATION OF THE DETERMINANT INTENTION TO USE IN ZISWAF CROWDFUNDING Ayun Qolbi Fakultas ekonomi dan bisnis, Universitas Airlangga Abstract ABSTRACT Purposes: Trust is an important variable in wakaf institutions, especially in wakaf crowdfunding. In theory, trust is built from donors to increase donors^ intentions of channeling their assets to the institution, especially to institutions that collect funds online. However, in less than a year, there has been a public trust issue related to the embezzlement of donated funds in Indonesia. Based on this case, this study examines the effect on attitude and intention of using an online donation. In addition to the trustworthiness of the assessment of the use of technology in this study, the variable perceived usefulness is used to determine the effectiveness of this service and the perceived ease of use to determine whether this service is friendly to users. Methods: This study uses quantitative methods. For data analysis, we use SEM-PLS using SmartPLS 3.3. This study uses a survey with a Likert scale of 1-5 of 100 samples of Muslims above 18 age, especially in east java. Results: The result of this study indicate the intention to use is influenced by variables such as perceived ease of use,and attitude, for the perceived usefulness and trust not influenced. Conclusion and suggestion: to develop and optimize ziswaf crowdfunding using an online campaign, we must first consider our services, such as whether this service really helps or not for donors, and then the steps for payment are made as simple as possible so that donors give a good attitude and are more intentional to use online payments for ziswaf crowdfunding. For trust as the key to online transactions, ziswaf institutions must pay more attention to and increase donor trust through changes and improvements in financial management, such as monthly reports to minimize misappropriation of funds. Keywords: ziswaf crowdfunding, online payment, philanthropy, technology acceptance model Share Link | Plain Format | Corresponding Author (Ayun Qolbi)

105	Recent technological development	ABS-22
Sentiment Analysis on the Perception of Sharia Fintech in Indonesia Muhammad Isa (a*)- Wiku Suryomurti (b) a) Institut Agama Islam Tazkia b) Institut Agama Islam Tazkia Abstract This research was conducted to review the perception of sharia fintech in Indonesia within the scope of sharia economics, both in terms of scientific research in the form of published journals and the sentiments of the Indonesian people in responding to the development of sharia fintech. The method used is descriptive statistical analysis with meta-analysis, bibliometrics and sentiment analysis from secondary data in the form of 71 papers published in the last 5 years and primary data in the form of 50 questionnaire respondents which were then processed using VOSViewer and SentiStrength. The results show that Indonesia is a country that has responded positively to the development of sharia fintech, both in terms of the number of contributions of published papers on the perception of sharia fintech, the number of Indonesian institutions affiliated with the author, and the number of papers that make Indonesia the object of study. The results of the sentiment analysis show that Indonesian people of various ages are quite enthusiastic and dominant in responding with neutral sentiment as much as 76%, positive sentiment as much as 16% and negative sentiment as much as 8%. The opportunity for sharia fintech development is still wide open, by making various new innovations and more inclusive education for the community so that the benefits are widespread. This research is the first comprehensive study to discuss the analysis of research and sentiment on the theme of Islamic fintech with primary and secondary data. Keywords: Shariah Fintech, Sentimen Analysis, Perception Share Link | Plain Format | Corresponding Author (Wiku Suryomurti)

106	Recent technological development	ABS-25
Dispute Settlement and Alternative Dispute Settlement Mechanisms in Islamic Fintech in Indonesia and Malaysia: A Comparative Study Ripan Hermawan (a*) a) Islamic Economics and Finance Department, Faculty of Economics and Business Education, Universitas Pendidikan Indonesia *ripan[at]upi.edu Abstract The rapid growth of Islamic Fintech arguably has not been matched with a proven readiness of the relevant parties involved to resolve potential conflicts. As disputes naturally arise, parties involved in Islamic Fintech should be best prepared to overcome any potential disputes arising from their business practices. The parties should ideally be familiar with and best informed on the dispute settlement and alternative dispute settlement mechanisms applicable within their respective countries. The paper aims to explore the dispute settlement and alternative dispute settlement mechanisms available to parties in resolving disputes in the context of Islamic Fintech in Indonesia and Malaysia, two countries with large moslem populations and key players in Islamic Fintech. The study adopts a doctrinal legal method and uses secondary data collected from relevant regulations on dispute resolution in Islamic Fintech both in Indonesia and Malaysia. The findings reveal that a litigation in the religious court serves as the main method of dispute settlement mechanism for Islamic Fintech in Indonesia. In Malaysia, Islamic Fintech disputes are normally settled through litigation in the civil court. As regards the alternative dispute settlement mechanisms, mediation and arbitration are the two most viable, although not necessarily well-known, methods due to their simplicity, cost effectiveness, and privacy protection assurance. It is suggested that the alternative dispute settlement be the preferred solution to amicably resolve disputes in Islamic Fintech. Keywords: Islamic Fintech- Litigation- Dispute Settlement Mechanism- Alternative Dispute Settlement mechanisms. Share Link | Plain Format | Corresponding Author (Ripan Hermawan)

107	Recent technological development	ABS-37
Optimization of Fintech to Enhance Participatory Economy in Indonesia: Study Case of IGrow Iffah Karimah (a*), Rumaisah Azizah Al Adawiyah (b) a) Faculty of Law, Universitas Indonesia *iffahkarimah[at]ui.ac.id b) Faculty of Economics and Business Education, Islamic Economics and Finance Department, Universitas Pendidikan Indonesia Abstract The crisis caused by the pandemic COVID-19 has forced us to adapt in changing environments. To promote economic recovery post Covid-19, Islamic economics has a significant role. Islamic finance encourages production activities that creates additional value in products and services, creating economic growth in society. Since real economy relies on the local economy, it involves Micro, Small, and Medium Enterprises (MSMEs) as well which suffer a lot due to Covid-19. Thus, they need the economy support to rebuild their business post-pandemic. However, most of the reachable financing option for MSMEs usually involve ribawi interest which against sharia principles. Therefore, the role of Peer-to-Peer Lending in Financial Technology (Fintech) is essential to provide non-ribawi debt to MSMEs. Moreover, it encourages participatory economics as part of moral economy. The research will be conducted by the study case of igrow as fintech platform in providing micro-financing in Indonesian agriculture, in light of the Islamic moral economy concept. Furthermore, the data will be collected by analysing the Islamic moral economics aspect in igrow. Research findings suggest that igrow platform reflected the primary modes of production of Islamic moral economy through the participatory economy and profit-loss sharing. Besides overcoming capital problems, this fintech innovation succeeds to develop the participatory economy by involving urban society that does not have the farming skill and lack of land access as well as through the usage of unutilized land resources. The originality of this paper shows that participatory economy could be attained by the optimization of fintech by revealing how igrow method can be applied in re-embedding economy value in society and empowering agricultural sector in Indonesia. This study aprovides insights how government and other parties could utilize and optimize fintech as one of tools in alleviating poverty and encouraging inclusivity. Keywords: Embeddedness, participatory economy, Islamic Moral Economy, Peer-to-peer Lending Share Link | Plain Format | Corresponding Author (Rumaisah Azizah Al Adawiyah)

108	Recent technological development	ABS-43
The Behavior of Milennial and Z Muslim Generations in Using LinkAja Syariah: UTAUT 2 Approach A.Jajang W. Mahri (a*), Aneu Cakhyaneu (a), Rizki Aprilia Primardani (a) a) Universitas Pendidikan Indonesia, Jl. Dr. Setiabudhi No. 229 Bandung, Indonesia *ajajangwmahri[at]upi.edu Abstract This research is based on the phenomenon of changes in using payment methods where this can change people^s behavior in using non-cash payments such as digital wallets. Digital wallet users are dominated by millennial and z generation users where sharia digital wallets such as LinkAja Syariah are still less competitive than the conventional digital wallets. This study was conducted to examine a person^s behavior in using LinkAja Syariah in West Java and the factors that influence it using the theory of Unified Theory of Acceptance and Use Technology (UTAUT) 2. The method used was a quantitative method and the data analysis technique used was Partial Least Square-Structural Equation Modeling (PLS-SEM) through SmartPLS software. The subjects of this study were millennial and z Muslim generations in West Java with a total sample of 260 respondents. The results of the descriptive study showed that the variables of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habit, behavioral intention, and use behavior of LinkAja Syariah showed high category. The results of the research hypothesis test showed that the variables of social influence, price value, and habit have a significant and significant effect on interest in using LinkAja Syariah. Meanwhile, the variables of habit and behavioral intention to use LinkAja Syariah have a significant and significant effect on behavior using LinkAja Syariah. The practical implications of this research is that related stakeholders can increase eccentric motivation, ease of use, trust, control, enjoyment, and habits toward interest and behavior. The theoretical implication of this research is the futures of the study to strengthen the theory of interest and behavior in using technology that its use is influenced by the desires, expectations of users and the tendency of users to access. Keywords: Use Behavior, performance expectancy, hedonic motivation, UTAUT 2, LinkAja Syariah Share Link | Plain Format | Corresponding Author (Aneu Cakhyaneu Aneu)

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