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All Journal El Dinar Jurnal Ilmiah Ekonomi Islam AL ISHLAH Jurnal Pendidikan Jurnal Studi Komunikasi Shirkah: Journal of Economics and Business JISIP: Jurnal Ilmu Sosial dan Pendidikan Jurnal Abdi Insani ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) CITIZEN: Jurnal Ilmiah Mulitidisiplin Indonesia EKONOMIKA SYARIAH : Journal of Economic Studies Jurnal Riset Multidisiplin Edukasi PESHUM Journal of Islamic Economic and Law (JIEL) Al-Infaq : Jurnal Ekonomi Islam
Rusny Istiqomah Sujono
Program Studi Ekonomi Syariah Universitas Alma Ata Yogyakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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MARKETING MIX DAN TINGKAT MARGIN DALAM PENGAMBILAN KEPUTUSAN PEMBIAYAAN PADA NASABAH BANK SYARIAH Sujono, Rusny Istiqomah; Wibowo, Febrian Wahyu
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 8, No 1 (2020): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v8i1.7431

Abstract

AbstractThe purpose of this study was to determine the effect of the marketing mix and margin levels on customer decisions. The design and methodology of this research is field research where the authors make observations to obtain the required data. Data is collected by giving questionnaires to customers who have several financial activities at the bank. The sample of this study was 100 respondents. The results showed that of the five Marketing mix variables, several variables significantly influenced customer interest, such as product, price, promotion, and margin level. However, place variables do not significantly influence customer decisions. Although not all marketing mix variables significantly influence customer interest, the marketing mix is still important for Islamic banks to attract customers
The Effectiveness and Efficiency of Cash Waqf Management in Tabung Wakaf Indonesia Rusny Istiqomah Sujono; Febrian Wahyu Wibowo; Mu'inan Rafi'; Ambar Musoffi
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4986

Abstract

Nazhir is one of the key factors in the success of waqf management institutions. Therefore, it is necessary for Nazhir to understand and assess the effectiveness and efficiency of cash waqf management performance. One of the nazhir cash waqf that has been active for a long time is Tabung Wakaf Indonesia. The research method used in this study is an analysis of institutional management by analyzing the financial report of Tabung Wakaf Indoensia from year 2013-2019. Based on the results of the analysis, it was found that the value of efficiency and effectiveness of Tabung Wakaf Indonesia was fluctuating, considering that the profit sharing was uncertain, therefore it was necessary to strengthen institutions such as reforming institutions and regulations, increasing resources (nazhir) by conducting training and studying existing research in assessing and producing cash waqf.
SOSIALISASI MANAJEMEN LITERASI WAKAF UANG PADA REMAJA MASJID DI DAERAH GUWOSARI Rusny Istiqomah Sujono; Baiq Ismiati; Febrian Wahyu Wibowo; Mu’inan Rafi; Ahmad Yunadi; Muhammad Dimas Setiawan
Jurnal Abdi Insani Vol 9 No 2 (2022): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v9i2.609

Abstract

Waqf is one of the distribution tools in Islam, so if it is optimized properly it can help the regional economy. Based on the survey results, waqf literacy in Indonesia is still in the low category and this correlates with the low collection of cash waqf in Indonesia. The mosque is a place to collect social funds and all mosque activities are coordinated with the mosque takmir and mosque youth. Therefore, youth mosques in the Guwosari area need to be given socialization of cash waqf literacy management so that the collection of cash waqf in the Guwosari regional mosques can increase and help the regional economy. The general purpose of holding this activity is to increase literacy of cash waqf. The specific goal is for mosque youth to know the direct benefits of cash waqf for the people, know the flow of its implementation, the importance of cash waqf and increase awareness of cash waqf. The method used is lectures and socialization of cash waqf literacy management to mosque youth by providing material from several parties who are very understanding about cash waqf literacy management. The result of this activity is that mosque youth have an account to collect cash waqf in the mosque to be deposited into LKS-PWU and there are some who already have experience in collecting. In addition, based on the results of the evaluation, these activities were carried out well, where mosque youths received literacy related to cash waqf as a whole from the basics to the collection process which can be said to have increased in terms of literacy. So that it is hoped that there will be other ongoing activities, namely monitoring the program for collecting cash waqf, so that the collection of cash waqf can run more optimally.
Lecturers’ and Students’ Responses toward the Implementation of the Merdeka Belajar-Kampus Merdeka (MBKM) Program at Alma Ata University Ahmad Salim; Tri Rochmadi; Yulinda Kurniasari; Rusny Istiqomah Sujono; Rosa Nikmatul Fajri; Nurul Kusumawardani; Andi Wahyudi; Muh. Mustakim
AL-ISHLAH: Jurnal Pendidikan Vol 14, No 3 (2022): AL-ISHLAH: Jurnal Pendidikan
Publisher : STAI Hubbulwathan Duri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (609.658 KB) | DOI: 10.35445/alishlah.v14i3.1607

Abstract

Independent Learning-Independent Campus (MB-KM) is a policy that has been issued by the government and is contained in the Regulation of the Minister of Education and Culture Number 3 of 2020 related to the National Standards for Higher Education. Students don't only have one skill, but also several skills through the MBKM program. In addition, lecturers are required not only to teach related content but also to improve soft skills and implementation so that students can achieve the expected graduate achievement targets and be ready to work. The purpose of this study was to determine the response of students, lecturers and education staff to the MBKM program, and the implementation of the Tridharma at Alma Ata University. This type of research is qualitative cross-sectional study and data collection using a questionnaire survey online method.  The sample of this study was students and lecturers at Alma Ata University, until the completion of the study, the sample size was 855 students and 114 lecturers. The survey was conducted online through the MBKM implementation questionnaire with the type of closed-ended question. The results of this study indicate that students are excited to participate in MBKM activities, particularly within the framework of the internship program and the real work lecture (KKN). In addition, it is known that there is still a low understanding of students, several lecturers, educational staff, and partners regarding policies and Standard Operating Procedures (SOP) for MBKM activities made by both the University and the Study Program level. The socialization associated with this program must be ongoing with the university community and educational partners. The response and implementation of MBKM that has been carried out well will be able to produce graduates with hard skills and soft skills who are ready to face the world of work independently, innovatively, and tough.
PELATIHAN PENGELOLAAN BISNIS SYARIAH PADA PELAKU UMKM DI DESA WISATA BANJARAN Febrian Wahyu Wibowo; Abdul Salam; Ahmad Yunadi; Al Haq Kamal; Rusny Istiqomah Sujono; Baiq Ismiati; Mu’inan Rafi; Abi Suryono; Abdullah Yahya
Jurnal Abdi Insani Vol 10 No 2 (2023): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v10i2.866

Abstract

The emergence of MSMEs or new businesses in an area, this certainly makes business competition. Business competition triggers business people to make strategies in business management in order to have good performance. In Islam, the Prophet is a role model for doing business in an Islamic way. His success in managing a business can be used as a lesson that needs to be applied in doing business today. It is hoped that the application of Sharia business values in their business, by providing training programs related to Sharia business management, is hoped to provide understanding and instill Sharia Business values in MSME actors. The purpose of carrying out this activity is to provide insight and understanding regarding good business management from a Sharia point of view, bearing in mind that in the Banjaran Kaluahan Guwosari tourist village there are many MSME actors and the great potential that exists in the area. The technical training method is interaction between participants and presenters and presenting case study materials on problems in MSMEs so that the material presented can be directly applied by the participants and of course it is easier to understand. This activity was carried out in stages by giving direct seminars to MSME actors and providing strategic practices delivered by all speakers. During the implementation of the event, there were many problems faced by MSME actors, especially in terms of business management. At the end of the event, several things were found that could later be developed by MSME actors and the community in the Banjaran Tourism Village, Kalurahan Guwosari, as follows; Development of Educational and Historical Tourism Villages, Creation of Sharia corner websites for Sharia business consulting media by MSME actors, Implementation of advanced training to maximize the plans that have been formed, and Creation of joint accounts as a forum for investment and paid marketing fees for MSME actors in Banjaran Tourism Village. This activity is sustainable and can unravel various other problems that exist in the Banjaran Tourism Village, Kalurahan Guwosari so that existing problems can be resolved properly and get maximum results.
Peran Zakat Dalam Pemberdayaan Ekonomi Perempuan: (Studi Kasus Pemberdayaan Rumah Zakat Terhadap Kelompok Usaha Bersama (KUBE) Rajut Hijau Indonesia di Dusun Karangasem, Sidomulyo, Pengasih, Kulonprogo Yogyakarta) Setiawan, Heri; Sujono, Rusny Istiqomah; Ismiati, Baiq; Kamal, Al Haq
Citizen : Jurnal Ilmiah Multidisiplin Indonesia Vol. 3 No. 4 (2023): CITIZEN: Jurnal Ilmiah Multidisiplin Indonesia
Publisher : DAS Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53866/jimi.v3i4.527

Abstract

The problem of women who are vulnerable to socio-economic conditions is still a problem that occurs in one of the sub-districts in Kulonprogo, to be precise in Karangasem Hamlet, Sidomulyo Village, Pengasih District, Kulonprogo Regency, DIY Province. Evidenced by data from 2018 to date which shows that there are still 340 Socio-Economic Vulnerable Women in the Pengasih sub-district and occupy the third most position for Socio-Economic Vulnerable Women from 12 sub-districts in Kulonprogo. However, some women with a low economy are still trying to meet the needs of their families and try to rise from their poverty by continuing to try to carry out their expertise, namely knitting. The method used in this research is a qualitative research method, where researchers obtain data by means of interviews, field observations, and documentation, then the results of the data obtained will be analyzed using SWOT analysis. The results of this study show that there are many impacts that have occurred with the existence of the Yogyakarta Zakat House through the development of zakat funds which are distributed to KUBE Kulonprogo Knitting Bag business actors, especially for women by looking at the results of the SWOT Matrix
Purchase Decision on Halal Products among Female Muslim: Evidence from Indonesia Sujono, Rusny Istiqomah; Wiyandi, Wawan; Wibowo, Febrian Wahyu; Yunadi, Ahmad; Kamal, Al Haq; Wibowo, Ardy; Salam, Abdul
Shirkah: Journal of Economics and Business Vol 8, No 3 (2023)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v8i3.555

Abstract

So far, limited research has analyzed the factors influencing female's decisions to purchase halal products. The purpose of this study was to determine how religiosity, product quality, price, brand, and halal knowledge affect the decision-making process of Islamic female students when purchasing halal-certified products. The study employed quantitative research methods, employing a questionnaire distributed through Google Forms for data collection. The study's population comprised all female students at Pondok Pesantren Al Munawwir Yogyakarta Indonesia. The sampling technique employed the Slovin formula, resulting in a research sample of 91 respondents. Data analysis involved classical assumption tests, multiple linear regression, partial tests (t-tests), simultaneous tests (F-tests), and the determination coefficient (R²). The findings indicated that religiosity, price, and halal knowledge negatively influenced female's purchasing decisions for halal products. Conversely, product quality and brand positively influenced these decisions. The study highlights that consumers, especially female students, prioritize brands and product quality when deciding to purchase halal products. Consequently, producers of halal products need to prioritize and enhance product quality.
Maintaining sustainable use of the Indonesian telecommunications provider Rusny Istiqomah Sujono; Ardy Wibowo; Defia Ifsantin Maula; Amalia Siti Khodijah; Nik Nor Allia; Qori Dewi Trisnawati; Rita Puspita Sari
Jurnal Studi Komunikasi Vol. 8 No. 1 (2024)
Publisher : Faculty of Communications Science, Dr. Soetomo University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25139/jsk.v8i1.6246

Abstract

This research investigates customer behaviour in the Indonesian telecommunications sector using Structural Equation Modelling with Partial Least Squares (SEM-PLS) analysis. Surveying 101 respondents, the study explores the relationships between service quality, service attributes, pricing, satisfaction, and customer intentions to reuse telecom products. Key insights include the significant influence of competitive pricing (price value) on customer retention (continuance to use). Interestingly, customer satisfaction doesn't directly impact the continuance of use, suggesting other factors like network quality might be more pivotal. However, customer satisfaction enhances price value, emphasising its role in perceived service value. Additionally, service quality is a significant determinant of customer satisfaction, and service attributes play a crucial role in shaping perceived value and satisfaction levels. Overall, this research offers valuable insights and strategic recommendations for telecom companies in the Indonesian market, emphasising pricing, service quality, and network attributes as key drivers of customer behaviour.
The Effect of Relationship Quality on Continuity in the Use of Sharia M-Banking: The Role of Access Convenience, Service Quality and Structure Assurance Wibowo, Ardy; Wibowo, Febrian Wahyu; Sujono, Rusny Istiqomah; Wibisono, Dimas; Khasanah, Uswatun
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 7 No. 2 (2023): December 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i2.7265

Abstract

Abstrak This research delves into the impact of relationship quality (RQ) on the ongoing utilization of sharia mobile banking (m-banking). The study draws upon the Theory of Planned Behaviour (TPB) and past behaviour as theoretical frameworks to examine how sustainability attitudes influence the use of m-banking, considering the quality of customer relationships with banks in determining sustainable intentions in sharia m-banking usage. Employing a quantitative approach, the research involves data collection, interpretation, and presentation based on a sample of 100 sharia m-banking users in the Special Region of Yogyakarta, using Snowball Sampling. Questionnaires were distributed for data collection, and the analysis utilized the Structural Equation Modelling (SEM) method with the Partial Least Square (PLS) program. The findings support all four hypotheses, indicating significant effects on sustainability intentions in sharia m-banking usage. The study also conducted mediation testing, revealing that variables such as Access Convenience and Service Quality do not directly impact sustainability intentions. Instead, a good-quality relationship with the provider is essential for sustainable intentions in sharia m-banking, while the Structural Assurance variable directly influences sustainable intentions without necessitating a high-quality relationship with the bank. Penelitian ini menyelidiki dampak kualitas hubungan (RQ) terhadap pemanfaatan mobile banking (m-banking) syariah yang sedang berlangsung. Studi ini mengacu pada Theory of Planned Behavior (TPB) dan perilaku masa lalu sebagai kerangka teoritis untuk menguji bagaimana sikap keberlanjutan mempengaruhi penggunaan m-banking syariah, dengan mempertimbangkan kualitas hubungan nasabah dengan bank dalam menentukan niat berkelanjutan dalam penggunaan m-banking syariah. Dengan menggunakan pendekatan kuantitatif, penelitian ini melibatkan pengumpulan, interpretasi, dan penyajian data berdasarkan sampel 100 pengguna m-banking syariah di Daerah Istimewa Yogyakarta, dengan menggunakan Snowball Sampling. Kuesioner disebar untuk pengumpulan data, dan analisisnya menggunakan metode Structural Equation Modeling (SEM) dengan program Partial Least Square (PLS). Temuan ini mendukung keempat hipotesis, yang menunjukkan dampak signifikan terhadap niat keberlanjutan dalam penggunaan m-banking syariah. Studi ini juga melakukan pengujian mediasi, yang menunjukkan bahwa variabel seperti Kenyamanan Akses dan Kualitas Layanan tidak berdampak langsung terhadap niat keberlanjutan. Sebaliknya, hubungan berkualitas baik dengan penyedia layanan sangat penting untuk niat berkelanjutan dalam m-banking syariah, sedangkan variabel Jaminan Struktural secara langsung mempengaruhi niat berkelanjutan tanpa memerlukan hubungan berkualitas tinggi dengan bank.
Pengaruh Sertifikasi Halal Self Declare, Branding, Kreativitas Produk Terhadap Keberhasilan Usaha Kuliner di Teras Malioboro Yogyakarta Afifah, Nada; Kamal, Al Haq; Istiqomah Sujono, Rusny; Yunadi, Ahmad
Journal of Islamic Economic and Law (JIEL) Vol. 2 No. 2 (2025): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v2i2.1873

Abstract

The culinary industry in Teras Malioboro Yogyakarta is growing rapidly along with the increasing halal tourism. Halal certification self-declare, branding, and product creativity are important factors that influence the success of culinary businesses in facing competition and meeting Muslim consumer preferences. This study aims to analyze the effect of halal certification halal self-declaration, branding, and product creativity on the success of culinary businesses in the Malioboro Terrace area of Yogyakarta. The approach approach used is quantitative with multiple linear regression analysis method. Data obtained through distributing questionnaires to 40 culinary business actors who have met certain criteria, such as having culinary business actors who have met certain criteria, such as already having self-declare halal certification and operating for at least one year. The results The analysis shows that the variables of self-declare halal certification, branding, and product creativity partially and simultaneously have a significant effect on business success. Halal certification provides legal certainty and increase consumer confidence. Strong branding contributes to product product differentiation, while product creativity drives innovation and competitive advantage. These findings provide important implications for culinary venture, local governments, and other stakeholders in formulating strategies for the development of sharia-based development of sharia value-based culinary businesses in the leading tourist areas of Yogyakarta.
Co-Authors AA Sudharmawan, AA Abdullah Yahya Abi Suryono Afifah, Afina Ayu Afifah, Nada Ahmad Salim Al Haq Kamal Al-Haq Kamal Ambar Musoffi Ardiami, Kinanthi Putri Ardy Wibowo Ash Shidiqie, Jannahar Saddam Baiq Ismiati Defia Ifsantin Maula Dwi Ratnasari Emilda, Yufa Fadhila, Nurma Febrian Wahyu Wibowo Fitriyani, Yeni Giansyah, Arifki Heri Sudarsono Hermawan, Aris Ikawati, Retty Ismiati, Baiq Khodijah, Amalia Siti Kusumawardani, Nurul Madyaning Sri Utami Meutia Layli Miftakhul Janah Miftakhul Khasanah Mu’inan Rafi Muh. Mustakim Muhammad Dimas Setiawan Muhammad Luthfi Mutaqin, Fatih Mu’inan Rafi Ngizzah, Nailul Nik Nor Allia Nurfaedah Nurfaedah, Nurfaedah Nurpratiwi, Ela Dwi Qori Dewi Trisnawati Rahmi, Asri Noer Rahmi, Sakinatul Rita Puspita Sari Rizki Ramadhan Rosa Nikmatul Fajri Sembiring, Rinawati Siti Aisiyah Suciningtias Siti Nurjanah Tirsardewi, Sartika Tri Rochmadi Verdiana, Maishifa Avis Wahyudi, Andi Wibisono, Dimas Wibowo, Ardy Wibowo, Febrian Wahyu Wiyandi, Wawan Yulinda Kurniasari Yunadi, Ahmad Yunadi, Ahmad