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All Journal Riset Akuntansi dan Keuangan Indonesia Jurnal Ilmiah Ekonomi Islam Perisai : Islamic Banking and Finance Journal MBIA Jurnal Menara Ekonomi : Penelitian dan Kajian Ilmiah Bidang Ekonomi JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi JBMR: Journal of Business and Management Review JIMEBIS Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Al Basirah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Jurnal Studi Islam dan Sosial JUEBIR: Journal of Economics and Business Research Jurnal Kajian Ekonomi dan Bisnis Islam BAABU AL-ILMI: Ekonomi dan Perbankan Syariah JIFA (Journal of Islamic Finance and Accounting) Journal of Shariah Economics
Mufti Arief Arfiansyah
Universitas Islam Negeri Raden Mas Said Surakarta
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MAHASISWA UIN RADEN MAS SAID SURAKARTA DALAM BERINVESTASI SYARIAH DI BMT MAZAYA Arfiansyah, Mufti Arief; Latifah, Nanda Nur; Amelia, Lailatul
Lisyabab : Jurnal Studi Islam dan Sosial Vol 4 No 1 (2023): Lisyabab, Jurnal Studi Islam dan Sosial
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Sekolah Tinggi Agama Islam Mulia Astuti (STAIMAS) Wonogiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58326/jurnallisyabab.v4i1.144

Abstract

The purpose of this study was to determine the factors that influence the interest of UIN Raden Mas Said Surakarta students in making sharia investments at BMT Mazaya. The study used a quantitative approach with a population of UIN RMS Surakarta students. The sampling method in this study used random sampling of 100 respondents. The research instrument with a questionnaire using a Likert scale. Data analysis used multiple linear regression analysis and assisted with SPSS software. The research data was tested with validity test, reliability test, classical assumption test, and hypothesis test. The results of the study lead to conclusions that affect student interest are products that have a significant effect on interest, while promotions, places and prices have less significant effect on student interest in investing in BMT Mazaya.
Pengaruh Literasi Keuangan Syariah Terhadap Inklusi Keuangan Syariah pada Pondok Pesantren Di Wonogiri Arfiansyah, Mufti Arief
Lisyabab : Jurnal Studi Islam dan Sosial Vol 5 No 1 (2024): Lisyabab, Jurnal Studi Islam dan Sosial
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Sekolah Tinggi Agama Islam Mulia Astuti (STAIMAS) Wonogiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58326/jurnallisyabab.v5i1.266

Abstract

The level of Islamic financial literacy is still low compared to the national financial literacy level. One of the government's efforts by promulgating Law Number 18 of 2019 concerning Islamic boarding schools has made Islamic boarding schools have a major role in the development of Islamic finance. Islamic boarding schools are a place to improve Islamic financial literacy and form Islamic financial inclusion. The purpose of this study is to analyze the Effect of Islamic Financial Literacy on Islamic Financial Inclusion in Islamic Boarding Schools in Wonogiri. This study used quantitative methods with data collection using questionnaires analyzed with linear regression analysis methods and assisted by SPSS software. The sample in the study was 158 respondents consisting of kiai, managers, teachers, education staff, and students in 35 Islamic boarding schools in Wonogiri. Research questionnaires have been tested for both validity and reliability. Then the research data has also met the prerequisites for analysis, namely the normality test, linearity test and heteroscedasity test. The results showed that Islamic financial literacy has a positive effect on Islamic financial inclusion in Islamic boarding schools in Wonogiri. Islamic financial literacy has a strong relationship with Islamic financial inclusion in Islamic boarding schools in Wonogiri by 75%. Meanwhile, Islamic financial literacy can affect 56.3% of Islamic financial inclusion. This research shows good financial literacy and will increase the realization of Islamic financial inclusion. The results of this study have an impact on the implementation of education and da'wah in Islamic boarding schools. Islamic boarding schools are not only tasked with organizing Islamic education and Islamic da'wah but also empowering and prospering Islamic boarding schools and communities through providing Islamic financial literacy for all pesantren organizers.
Determining Factors in The Interest of Using QRIS (A Case Study of MSMEs in Karanganyar Regency): Faktor-Faktor Yang Menentukan Minat Penggunaan QRIS (Studi Kasus UMKM Di Kabupaten Karanganyar) Khasanah, Dina Uswatun; Arfiansyah, Mufti Arief
Perisai : Islamic Banking and Finance Journal Vol. 9 No. 2 (2025): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i2.1785

Abstract

MSMEs or Micro, Small and Medium Enterprises have a vital role in maintaining the stability of the Indonesian economy. MSMEs as one of the merchant users of QRIS are required to continue to be creative and adapt to increasingly advanced technological advances. This study aims to examine the relationship between interest in utilizing QRIS among MSME actors in Karanganyar Regency with factors of convenience, perceived benefits, security, and knowledge. The data used consists of primary data, specifically collected through distributing questionnaires and conducting interviews with MSME owners. The research population was 95 respondents using the purposive sampling method. The analysis method in solving the problems studied and testing the hypothesis is multiple regression analysis. The data processing process uses SPSS software version 26. The research findings state that the variables of perceived benefits & knowledge have an influence on interest in using QRIS and convenience & security have no influence on the dependent variable.
Analisis Komparasi Kinerja Keuangan Bank Syariah dengan Bank Non Syariah di Indonesia Yogi Kurniawan; Mufti Arief Arfiansyah
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i1.717

Abstract

The development of Indonesia's financial system has shown rapid growth, with Islamic banks increasingly occupying a significant position in providing financial services in accordance with Islamic principles. However, views on the financial performance of Islamic and conventional banks in Indonesia still vary. Therefore, this research aims to examine the differences in financial performance between Islamic and conventional commercial banks during the period of 2018-2022. In this study, the purposive sampling method was used to select samples from eleven conventional and Islamic commercial banks. Secondary data in the form of financial reports were obtained from the official website of the Financial Services Authority (OJK) and the official websites of the banks under study. The tested research variables include Risk Profile ratios, Good Corporate Governance (GCG), Earnings, and Capital. Hypothesis testing was conducted by applying independent sample t-tests and Mann-Whitney tests for data analysis. The findings indicate that there is no significant difference in credit risk and liquidity risk between the two categories of banking institutions. However, there is a significant difference in the implementation of GCG and Return on Assets (ROA) between Islamic and conventional commercial banks. Overall, the financial performance of Islamic Commercial Banks demonstrates superiority in ROA and Capital Adequacy Ratio (CAR), while Conventional Commercial Banks excel in Good Corporate Governance (GCG) and Operational Cost to Operating Income (BOPO).
Determinan Minat Beli Asuransi Jiwa Syariah Pada Kalangan Generasi Milenial Di Kota Surakarta Kamelya Azzahra; Mufti Arief Arfiansyah
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.10687

Abstract

Sharia compliant life insurance stands out as a really great way to handle your money. It is seen as very valuable because it fits with the sharia law rules and pushes the idea of those in the insurance plan supporting one another. However, the community looks at some important things when trying to get millennials in Surakarta City more keen on purchasing sharia life insurance choices. The things that were looked at are how big the contribution amounts are, what good things the insurance covers, how it is promoted, understanding what it is, and everyone's thoughts when considering how interested they might be. The main focus of this study is on purchase intent, which is seen as the thing being impacted. This research uses a numerical method, with information gathered from surveying 100 millennials between 30 and 44 years old in Surakarta City, chosen through a method that picks people randomly. The data was processed and checked using SPSS 25 software for running tests. The samples were checked to see if they measure things properly and how consistent they are by using tests to check for validity and reliability. After this, some linear regression analyses are done, along with tests to make sure standard statistical assumptions are correct, separate assessments (t-tests), combined evaluations (F-tests), and numbers showing how well the model fits the data. The study's findings show that fund contributions and personal opinions affect whether they plan to buy. In the meantime, insurance payouts, job advancement, and understanding products don't have much impact on their own. But all the different things together do change how likely people are to buy Sharia life insurance. This work should help with making good marketing plans for Sharia life insurance businesses that fit with Sharia beliefs and rules. The main aim here is to see what makes young adults in Surakarta think about getting Sharia life insurance.
Analisis Pengaruh Kemudahan, Kegunaan dan Tingkat Resiko Terhadap Keputusan Masyarakat Sukoharjo Menggunakan Shopeepay Arfiansyah, Mufti Arief; Vebriani, Defi; Makarim, Afifatul
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 4 No. 1 (2023): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jimebis.v4i1.290

Abstract

In today's digital era, information progress is spreading fast and getting more advanced. Technology transfer can control various elements of people's habits that impact daily activities. The use of social media by mobile phones is increasing every year. The annual increase causes various innovations, one of which is financial technology or fintech. An example of fintech that is often used today is the Shopeepay e-wallet. The purpose of this analysis is to understand the impact of convenience, usability & risk on the certainty of using Shopeepay in the Sukoharjo Regency area. This form of study uses prime data. How to take samples with cluster random sampling. The total sample is 100 respondents by providing an online questionnaire in the form of a G-Form. Multiple linear regression with SPSS 23 is used for data processing. Simultaneous research on usage decisions. It is known that the results of the research that the researchers conducted were that perceived convenience had no significant impact on the decision to use shopeepay, then perceived usefulness had an effect on using shopeepay, and perceived risk had an effect on decisions on using shopeepay in the community in Sukoharjo. The results of the validity test are declared valid, and the reliability test is declared reliable
AKSELERATOR FILANTROPI SYARIAH: SIGNIFIKANSI ROA, ROE, DAN FDR DALAM MENENTUKAN BESARAN ZAKAT BANK MUAMALAT Riries Restu Ningsih; Mufti Arief Arfiansyah
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 1 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i1.18655

Abstract

The purpose of this study isto determine whether financial performance, which includes Return On Assets (ROA), Return On Equity (ROE), and Financing to Deposit Ratio (FDR), has a significant effect on Bank Muamalat's zakat expenditure, both partially and simultaneously. This study applies aquantitative method The data sources and samples used consist of Bank Muamalat Indonesia's quarterly financial reports from 2015 to 2024, which are available in full. Data collection was carried out using the documentation method. The data used is secondary data obtained from the official website of BankMuamalat. To analyze the information obtained, this studyapplies the multiple linear regression method. The research findings indicatethat ROA and ROE do not have a significant effect onBank Muamalat's zakat expenditure, while FDR shows a significant effect. Overall, the three variables, namely ROA, ROE, and FDR, have a significant effecton zakat expenditure at Bank Muamalat.
Program Bimbingan Belajar Berbasis Pengabdian Masyarakat dalam Meningkatkan Motivasi Belajar Anak di Desa Ngawen Kabupaten Klaten Khoirotul Muthmainnah; Eka Asti Nur Aini; Ilyas Ulil Absor; Mufti Arief Arfiansyah
Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Vol 4 No 1 (2026): Juli - September
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Education is a fundamental pillar of human resource development; however, access to it remains unevenly distributed in rural areas. Ngawen Village, Klaten Regency, faces significant learning barriers among children, including a lack of parental guidance due to parents' work commitments, limited supplementary learning facilities, and monotonous school teaching methods that fail to foster learning motivation. This condition is further exacerbated by children's tendency to be more attracted to gadgets than to learning activities. In response to these issues, KKN (Kuliah Kerja Nyata/Community Service Program) students designed a community-based tutoring program through several stages: observing learning needs, developing varied and contextual learning strategies (combining academic material with educational games), implementing regular tutoring sessions, and evaluating changes in participants' learning motivation. The program targeted elementary to junior high school students identified as having low learning motivation, based on preliminary observations and interviews with parents and village officials. The implementation results revealed increased student engagement in asking questions and participating in discussions, greater discipline in study schedules, and consistent enthusiasm for the activities. Nevertheless, the program encountered critical challenges: the short duration of the KKN program limited the extent to which long-term impacts could be measured, the program's success remained dependent on the students' temporary presence, and no post-program sustainability mechanism had been established. These findings confirm that community-based tutoring programs are effective as short-term interventions; however, ensuring the sustainability of their impact requires ongoing support from local stakeholders, including village government, schools, and parents, to prevent the program's benefits from ceasing once the KKN period concludes.
Pemanfaatan Galon Bekas Sebagai Media Pembibitan Tanaman untuk Mendukung Ketahanan Pangan Rumah Tangga di Dukuh Karanggeneng Arifa Ardiani; Anisa Aprilia; Forlan Anatama Hergati; Sofi Novitasaari; Mufti Arief Arfiansyah
Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Vol 4 No 1 (2026): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

Limited yard space in residential areas is one of the challenges in utilizing available space for planting activities that can support household food security. This condition was found in Karanggeneng Hamlet, Ngawen Village, Klaten Regency, which has potential in the form of available used gallons and planting activities carried out by the community. This community service activity aims to optimize the utilization of used gallons as planting media while supporting environmental greening and the utilization of available space. The activity was carried out through the Community Service Program (KKN) by conducting observation, data collection, preparation, utilization of used gallons, and planting activities. The data collection results showed that five households carried out planting activities involving 26 types of plants, including vegetables, fruits, herbs, and ornamental plants. A total of 300 used gallons have been utilized as planting media to support planting and environmental greening activities within the community. The utilization of used gallons as planting media demonstrates the potential for reusing waste materials while optimizing the available space for planting activities around households. This activity represents an effort to support the productive and sustainable utilization of environmental resources.
Pemanfaatan Mikroorganisme Lokal (MOL) Sebagai Aktivator Dekomposisi Kotoran Hewan Dalam Mendukung Pengelolaan Limbah Organik Berkelanjutan Sesy Mutiara Ningrum; Krisdiyanti Krisdiyanti; Maya Rahmawati; Prasetya Budi Utama; Mufti Arief Arfiansyah
Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Vol 4 No 1 (2026): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

The village of Ngawen faces the problem of an abundance of livestock manure—generated by several residents who raise goats, cattle, and chickens within the village—as well as household food waste that has not been managed optimally, all while residents have a high demand for organic fertilizer to support their household farming and gardening activities. This situation prompted students from Group 218 of the Community Service Program (KKN) at Raden Mas Said State Islamic University in Surakarta to implement a community service program consisting of training and guidance on the production of Local Microorganisms (MOL) as an activator for the decomposition of animal manure. MOL is made from materials that are easily obtained in the local environment, namely water used to rinse rice, Yakult, turmeric, and organic household waste. The community service program was carried out through several stages: observing field conditions; conducting outreach and education for residents; providing training on preparing the MOL solution; assisting with the application of MOL to animal manure piles; and evaluating the resulting compost, in accordance with the KKN implementation guidebook. The results of the community service program showed that residents were able to produce and apply MOL independently, as evidenced by a reduction in the pungent odor of the animal manure piles, a change in the compost color to dark brown, and a looser texture within 15 days after application. This program provided economic benefits in the form of savings on the purchase of commercial activators, while also supporting sustainable organic waste management in Ngawen Village.
Co-Authors Amelia, Lailatul Anisa Aprilia Anisa Nur Fitriyanti Arifa Ardiani Catur Nugroho Edi Suminto Eka Asti Nur Aini Fatchan Achyani Fifi Nur Haryanti Forlan Anatama Hergati Ilyas Ulil Absor Kamelya Azzahra Khasanah, Dina Uswatun Khoirotul Muthmainnah Krisdiyanti Krisdiyanti Lailatul Amelia Latifah, Nanda Nur Makarim, Afifatul Maya Rahmawati Miftahul Jannah Muhammad Fikri Hidayat Nanda Nur Latifah Nur Hanifa, Luthfia Ofvie Qonita Rahmawati Prasetya Budi Utama Putri, Melinda Anggias Rahmawati, Silvia Riries Restu Ningsih Rudiatna, Talitha Dwi Sesy Mutiara Ningrum Shekar Maulida Salsabila Sofi Novitasaari Sucik Lestari Triyono Triyono Triyono Vebriani, Defi Widyaningsih, Meilana Yafenia Putri Tirta Biru Yogi Kurniawan Yogi Kurniawan