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All Journal AL-Fikr Jurnal Minds: Manajemen Ide dan Inspirasi YUME : Journal of Management Jurnal Edueco Jurnal Ilmu Manajemen Profitability International Journal of Community Service At-Tasyri Jurnal Hukum Islam dan Ekonomi Syariah Islamic Business and Finance (IBF) Jurnal Ar-Ribh Hamalatul Qur'an : Jurnal Ilmu Ilmu Al-Qur'an Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) Economos : Jurnal Ekonomi dan Bisnis Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Riwayat: Educational Journal of History and Humanities Al-Jadwa: Jurnal Studi Islam Journal of Management and Innovation Entrepreneurship (JMIE) Journal of Innovative and Creativity Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Assyarikah: Journal Of Islamic Economic Business Journal of Visionary Sharia Economy (JOVISHE) At-Tadris: Journal of Islamic Education Study of Scientific and Behavioral Management (SSBM)
Parmitasari, Rika Dwi Ayu
Unknown Affiliation
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Analisis Ketaatan Syariah pada Institusi Keuangan Berbasis Syariah Ansar, Agustan; Abdullah, M. Wahyuddin; Parmitasari, Rika Dwi Ayu
Jurnal Ushuluddin: Media Dialog Pemikiran Islam Vol 26 No 1 (2024): Februari
Publisher : Fakultas Ushuluddin dan Filsafat Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/jumdpi.v26i1.44288

Abstract

The purpose of this study is to evaluate the level of Sharia compliance in Islamic banks in Indonesia by looking at three aspects: Shariah Supervisory Board (DPS), products, and financial statements. According to this study, there are several important issues in the sharia compliance of DPS, including independence, concurrent positions, competence, and sharia audits. When it comes to Islamic bank financing, murabahah is huge, which is due to the depositor paradigm compared to savings, as well as the issue of murabahah being practiced differently from the original concept. This is a very important issue for the product. Finally, it relates to financial reporting such as income smoothing on profit distribution, independent auditors who do not have sharia competence, and the treatment of murabahah margins.
DEVELOPING THE CONCEPT OF STATE CIVIL APPARATUS PROFESSIONALISM IN THE RECRUITMENT PROCESS FROM A SHARIA PERSPECTIVE Fathurrahman, Rezki Amalia; Abdullah, Muhammad Wahyuddin; Parmitasari, Rika Dwi Ayu; Fathurrahman, Fathurrahman
Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) Vol. 7 No. 1 (2025): Jurnal Ilmu Akuntansi dan Bisnis Syariah
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/aksy.v7i1.43332

Abstract

The research aims to discover how to build the concept of professionalism of State Civil Apparatus from a Sharia perspective when conducting the recruitment process. The research method used is a qualitative approach to interview techniques for how to build the concept of State Civil Apparatus professionalism during the recruitment process according to Sharia based on the experiences of people who have applied for work, for example, the experience of participating in applying for work and following the recruitment process of Civil Servant Candidates whose informants are three people from postgraduate students of UIN Alauddin Makassar. The results of the study found that the professionalism of State Civil Apparatus is associated with a Sharia perspective, so the two important things that a professional State Civil Apparatus must possess are competence and integrity, then connected with three principles that are fulfilled, namely justice, honesty, and trustworthiness in order to fulfill accountability and according to criteria and benefits for organizations and society in providing the best service because it uses a Computer Assisted System (CAT) system so that participants and the general public can see the value directly so that the intention to commit fraudulent practices will not be carried out because the general public sees the value of participants can increase public trust.
PERBEDAAN DASAR ANTARA EKONOMI ISLAM & EKONOMI KAPITALIS Ilham, Reski Cahyani; Parmitasari, Rika Dwi Ayu; Abdullah, Muhammad Wahyuddin
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 2 No. 1 (2024): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v2i1.663

Abstract

Ekonomi kapitalisme dan sosialis adalah dua sistem ekonomi paling terkenal di dunia. Gagasan memaksimalkan keuntungan dengan menggunakan sumber daya minimal berdampak pada perekonomian kapitalis. Di antara berbagai kecenderungan sistem ekonomi kapitalis adalah kesenjangan ekonomi, kebebasan ekonomi dan persaingan tidak terbatas, serta hak milik individu. Namun ekonomi Islam berbeda dengan sistem kapitalis, yang didasarkan pada prinsip-prinsip kapitalisme, dan sistem sosialis, yang didasarkan pada prinsip-prinsip sosialisme. Meskipun terdapat beberapa kesamaan antara kedua sistem ekonomi tersebut, namun sistem ekonomi Islam sangat berbeda dari keduanya dalam banyak aspek. Terdapat manfaat bagi kapitalisme dan sosialisme dalam sistem ekonomi Islam, terlepas dari kekurangannya. Sistem ekonomi Islam tidak selalu hanya bertumpu pada akal manusia saja, namun juga pada nilai-nilai ketuhanan.
Financial Bootstrapping and Financial Literacy: The Moderating Role of Government Support on SME Performance Parmitasari, Rika Dwi Ayu; Indriyani, Eka; Rusnawati, Rusnawati; Farild, Miftha; Efendi, Widya; Adawiah, Arabiatul
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 10 No 2 (2023): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v10i2.41131

Abstract

SMEs can support long-term, stable, and sustainable economic development. However, funding, limited information, and lengthy credit administration procedures constantly severed their expansion. Potential solutions may emerge from external funding in creative and unconventional ways through financial bootstrapping. This study analyzes the influence of financial bootstrapping and financial literacy on SME performance using P2P lending in Makassar, Indonesia, with government support as mediation. Government support as mediation is expected to provide policies that facilitate SMEs obtaining external funding through fintech P2P lending to improve SMEs' business performance. This study employs a partial-least-squared structural-equation model (PLS-SEM) for data analysis of 220 businesses. The result shows that financial literacy significantly affects SME performance. This positive effect emerges in direct or mediated relationships. Financial bootstrapping does not substantially affect SME performance. This finding signifies the lack of information regarding the myriad of funding opportunities.
Determinants of Zakat Payment Behavior through Digital Platforms in Makassar City K, M Yusuf; Parmitasari, Rika Dwi Ayu; Haddade, Abdul Wahid
Jurnal Ar-Ribh Vol. 6 No. 2 (2023): Oktober 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v6i2.12815

Abstract

This study aims to examine the factors that determine muzakki behavior in paying zakat through digital platform services in the city of Makassar. The type of research used is applied research with field studies. The approach used in this research is quantitative with causal associative. The method in this study is through primary data collection by distributing questionnaires and secondary data through data collection at BAZNAS and LAZ in Makassar City as well as through reference journals related to the study title. The sample technique used is the Ferdinand formula with a sample size of 332. The data analysis technique used in this study is the Structural Equation Model (SEM). The results of this study show that the perception of usefulness has a significant effect on the intention of muzakki, the perception of ease of use has a significant effect on the intention of muzakki, digital knowledge has a significant effect on the intention of muzakki, the perception of usefulness does not affect the behavior of muzakki, simple perception. usage has a significant effect on muzakki behavior, digital knowledge has a significant effect on muzakki behavior, intention has a significant effect on muzakki behavior, perception of usefulness has a significant effect on behavior through muzakki intention, perception of ease of use has a significant effect significant on behavior through muzakki intention and digital knowledge has a significant effect on behavior through muzakki intention
The Influence of Islamic Branding and Life Style on Decisions to Purchase Muslimah Fashion Products in Makassar City With Celebrity Endorsement as a Moderating Variable Hadisa, Nur; Haddade, Abd. Wahid; Parmitasari, Rika Dwi Ayu
Jurnal Ar-Ribh Vol. 7 No. 1 (2024): April 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i1.12827

Abstract

This research aims to examine the factors that influence consumers in making product purchasing decisionsfashion  Muslim women in Makassar City through influenceislamic branding to the Purchase Decision,life that muchon Purchase Decisions, moderation effectCelebrity endorsement betweenislamic branding on purchasing decisions and moderating effectsCelebrity endorsement betweenlife style to the purchase decision. The type of research used is quantitative. The approach used in this research is causal associative. The method in this research is through collecting primary data by distributing questionnaires and secondary data through reference journals related to the research topic. The sampling technique uses the Heir formula with a sample size of 225. The data analysis technique used in this research isSPSS 26. The results of this research show thatIslamic branding dan life  style has a positive and significant effect on product purchasing decisionsfashion Muslim women in Makassar City and for moderation,celebrity endorsement does not moderate the relationship betweenIslamic branding  on purchasing decisions is different fromLife style in this case,celebrity endorsement strengthen the relationship betweenlife style to the purchase decision. The implications of this research show that consumers should filter all information and interactions, both on the internet and in the surrounding environment, and continue to base Islamic teachings in their daily lives because a person's lifestyle is formed from the results of interactions with their environment. Consumers also have to choose which celebrities can direct us to goodness and adhere to Islamic values. For the perpetratorsindustry fashion Muslim women in particular can show that the materials and manufacturing processfashion Muslim women are in accordance with Islamic values so that consumers are increasingly confident in purchasing products. Then, future researchers can examine other variables that are not yet in this research related to purchasing decisions.
Pengendalian Strategi Bisnis di Era Digital: Inovasi Ekonomi Islam di Indonesia Asdar, Muhammad; Abdullah, Muhammad Wahyuddin; Parmitasari, Rika Dwi Ayu
JOVISHE : Journal of Visionary Sharia Economy Vol. 2 No. 1 (2023): Edition June 2023
Publisher : Yayasan Lembaga Studi Makwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57255/jovishe.v2i1.616

Abstract

The rapid advancement of digital technology has significantly influenced business strategies, including in the field of Islamic economics. However, the integration of sharia principles with digital business practices poses unique challenges, such as maintaining compliance with Islamic values while embracing innovation and entrepreneurship. This study aims to address the issue of how Islamic economic institutions in Indonesia can effectively implement business strategy control, innovation, and entrepreneurship to thrive in the digital era. Using a qualitative-descriptive method, the research involved an in-depth analysis of data collected from Islamic financial institutions, entrepreneurs, and policymakers. The study identifies key strategies for aligning digital innovation with sharia principles, focusing on the roles of strategic control, technological innovation, and entrepreneurship as essential components. The findings reveal that Islamic economic institutions can enhance their competitiveness by adopting comprehensive strategy control mechanisms, fostering technological innovation in products and services, and encouraging entrepreneurship that upholds Islamic ethical values. The integration of these three elements not only ensures operational efficiency and compliance but also creates a sustainable and competitive sharia-based economic ecosystem. This research contributes to the literature by offering practical recommendations for strengthening collaboration between stakeholders, such as governments, academia, and industry players, to develop inclusive digital innovations within the framework of Islamic economics. By doing so, this study highlights the potential of Islamic economic principles to serve as a foundation for sustainable economic development in Indonesia in the digital era.
Islamic Economic Ethics in Customer Complaint Handling: Enhancing Customer Satisfaction at BSI Habibi, Habibi; Parmitasari, Rika Dwi Ayu; Sapa, Nasrullah Bin
Jurnal Ilmu Manajemen Profitability Vol. 9 No. 1 (2025): FEBRUARY 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/profitability.v9i1.16825

Abstract

This study aims to explore the strategic implementation of customer complaint handling at BSI KCP Veteran Makassar in maintaining customer satisfaction and to analyze the application of ethics from the perspective of Islamic economic ethics. The research employs a qualitative approach with a case study method, involving six informants: one manager from BSI KCP Veteran Makassar, three BSI employees, and two BSI customers. Data collection was conducted through observations, interviews, and documentation analysis. The findings reveal that BSI KCP Veteran Makassar has implemented a structured approach to handling customer complaints to ensure customer satisfaction. This is achieved through three key strategies: a continuous improvement strategy, an excellent service strategy, and an effective and efficient complaint handling strategy. These strategies are designed to address customer grievances promptly while enhancing overall service quality. Furthermore, the bank integrates ethical principles in handling complaints, aligning with Islamic economic ethics. The ethics applied include honesty, fairness, responsibility, and professionalism, which reflect the core values of tabligh, amanah, fatonah, and siddiq in Islamic business practices. By upholding these ethical principles, BSI KCP Veteran Makassar ensures that customer concerns are resolved transparently and equitably. Ultimately, the implementation of these strategic and ethical approaches not only resolves customer complaints effectively but also fosters customer trust and loyalty. Maintaining high service standards and adhering to Islamic ethical values strengthen the bank's reputation and contribute to long-term customer retention and satisfaction.
Sinergi Lembaga Keuangan Syariah dan Industri Halal dalam Meningkatkan Daya Saing UMKM di Indonesia Amir, A M Nur Atma; Syaripuddin, Syaripuddin; Siradjuddin, Siradjuddin; Parmitasari, Rika Dwi Ayu
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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

Abstract

Penelitian ini mengkaji sinergi antara pembiayaan syariah dan industri halal dalam meningkatkan daya saing UMKM di Indonesia, yang masih menghadapi berbagai tantangan struktural dan peluang besar sebagai tulang punggung perekonomian nasional dalam konteks ekonomi syariah global yang terus berkembang. Metode penelitian menggunakan pendekatan kualitatif deskriptif dengan desain studi kasus, memanfaatkan data sekunder bereputasi dari jurnal nasional dan internasional, dokumen pemerintah, serta laporan global untuk memberikan pemahaman menyeluruh mengenai fenomena sinergi pembiayaan syariah dan industri halal. Analisis tematik dan triangulasi sumber dilakukan guna mengantisipasi bias dan memperkuat validitas temuan, serta komparasi praktik dengan negara maju sebagai acuan best practices yang dapat diadaptasi untuk pengembangan nasional. Hasil penelitian menunjukkan bahwa pembiayaan syariah meliputi instrumen mudarabah, musyarakah, murabahah, dan ijarah, dengan murabahah sebagai instrumen dominan. Pembiayaan syariah secara empiris mampu meningkatkan omzet, profitabilitas, serta efisiensi UMKM halal dan mendorong formalitas usaha. HVC memberikan kontribusi signifikan untuk pertumbuhan ekonomi melalui integrasi aktivitas utama dan pendukung yang meningkatkan akses pasar, kepercayaan konsumen, dan efisiensi operasional. Regulasi JPH dan digitalisasi proses sertifikasi mempercepat adaptasi industri halal. Meski demikian, tantangan literasi, jangkauan pembiayaan, prosedur rumit, dan infrastruktur perlu diatasi untuk mencapai potensi penuh industri halal Indonesia.
Co-Authors Abdullah, Muhammad Wahyuddin Abdullah, Wahidah Adawiah, Arabiatul Aisyah Aisyah Alim Syariati Alisa, Nur Amir, A M Nur Atma Amir, A. M. Nur Atma Amrullah Amrullah Ansar, Agustan Anwar, Nurfiah Aprilya, Nurul Wahida Arsyad, Kamaruddin Arviana, Pipi Efendi, Widya Eka Indriyani MS Eka Suhartini Farild, Miftha Fathurrahman Fathurrahman Fathurrahman, Rezki Amalia Ghafur Hamran, Rachmat Habibi Habibi Haddade, Abd. Wahid Haddade, Abdul Wahid Hadisa, Nur Haris, Hariyati Ilham, Reski Cahyani Indriyani, Eka Jafar, Jabir M K, M Yusuf KIKI WULANDARI Kurniadi Kurniadi, Kurniadi Lince Bulutoding lisa, Aziza pipi M. Wahyuddin Abdullah, M. Wahyuddin Miftah Farid Miftha Farild Muhammad Asdar Muin, Rahmawati Murtiadi Awaluddin Mu’min, Muh. Dian Nur Alim Nashrullah Nur Alim Mu’min, Muh Dian Nurwahida Nurwahida, Nurwahida Parakkasi, Idris Putra, Trisno Wardy Rafiuddin, Fifriani Rahman Ambo Masse Risma Risma, Risma Rusnawati Rusnawati Rusnawati, Rusnawati Saiful Muchlis, Saiful Sapa, Nasrullah Bin Sari, Wiwik Permata Silondae, Prades Ariato Siradjuddin, Siradjuddin Sirajuddin Sirajuddin Sofyan, Idha Fadhilah Sudirman Sudirman Syamsiah, Sitti Syariati, Alim Syaripuddin Syaripuddin Wahyuddin Wahyuddin Wahyudi, Iqmal Yunus, Ayu Ruqayyah Zulfahmi Alwi