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All Journal Jurnal Al-Qardh Jurnal Hadratul Madaniyah At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Iqtishodia: Jurnal Ekonomi Syariah JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research Ekopedia: Jurnal Ilmiah Ekonomi
Aviva, Itsla Yunisva
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Impact of QRIS Convenience on Non-Cash Transaction Satisfaction: The Role of Usage as an Intervening Factor Tricahyono, Nor Salim; Aviva, Itsla Yunisva; Hasnita, Hasnita
Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Vol. 11 No. 1 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jreksa.v11i1.10116

Abstract

This research aims to analyze the impact of QRIS (Quick Response Code Indonesian Standard) convenience on non-cash transaction satisfaction among Bank Muamalat customers, with usage as an intervening factor. Employing a quantitative approach, primary data were collected via questionnaires. The data analysis utilized the Structural Equation Model (SEM) based on Partial Least Square (PLS) and path analysis techniques. The findings reveal a significant positive relationship between the convenience of QRIS and customer satisfaction with non-cash transactions at Bank Muamalat. Additionally, the study demonstrates that usage partially mediates the effect of QRIS convenience on customer satisfaction. This research contributes to the literature by examining the influence of QRIS convenience on non-cash transaction satisfaction, with a particular focus on the mediating role of usage. Understanding the pivotal role of perceived convenience in fostering customer satisfaction and loyalty allows Bank Muamalat to tailor its strategies to better meet customer expectations, thereby promoting continued use of QRIS for non-cash transactions.
Modal Sosial dalam Perspektif Ekonomi Islam: Menggali Potensi Bonding dan Bridging untuk Pembangunan Ekonomi Kelembagaan Mutiara Kasih, Bella; Aviva, Itsla Yunisva
Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research Vol. 2 No. 1b (2025): NOVEMBER 2024 - JANUARI 2025 (TAMBAHAN)
Publisher : UNIVERSITAS SERAMBI MEKKAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32672/mister.v2i1b.2736

Abstract

Artikel ini bertujuan untuk menggali potensi modal sosial dalam perspektif ekonomi Islam, dengan fokus pada dua konsep utama, yaitu fungsi bonding dan bridging, serta implikasinya terhadap pembangunan ekonomi kelembagaan. Artikel ini berjenis studi kepustakaan (library research), metode deskriptif-kualitatif, mengandalkan pengumpulan data dari berbagai literatur relevan, termasuk buku, jurnal, dan studi kasus literatur. Hasil pembahasan menunjukkan bahwa modal sosial dalam ekonomi Islam, yang berlandaskan pada prinsip keadilan, kepercayaan, dan solidaritas, memiliki peran signifikan dalam memperkuat ekonomi kelembagaan. Bonding, yang menguatkan hubungan dalam kelompok homogen, dapat meningkatkan kerjasama dan solidaritas, sedangkan bridging membuka akses ke jaringan yang lebih luas, memperluas peluang ekonomi, dan memfasilitasi integrasi antar kelompok. Kombinasi antara keduanya dapat menciptakan kelembagaan yang lebih adaptif dan responsif terhadap kebutuhan masyarakat. Oleh karena itu, pengembangan modal sosial melalui kebijakan yang mendukung penguatan bonding dan bridging sangat penting untuk mendorong pembangunan ekonomi yang lebih inklusif dan berkelanjutan.
Transformasi Modal Sosial dan Human Capital dalam Meningkatkan Kesejahteraan Masyarakat Islam: Perspektif Ekonomi Islam Komala Sari, Windi; Aviva, Itsla Yunisva
Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research Vol. 2 No. 1b (2025): NOVEMBER 2024 - JANUARI 2025 (TAMBAHAN)
Publisher : UNIVERSITAS SERAMBI MEKKAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32672/mister.v2i1b.2748

Abstract

Artikel ini bertujuan untuk mengeksplorasi transformasi modal sosial dan human capital dapat meningkatkan kesejahteraan masyarakat Islam, serta mengidentifikasi strategi yang efektif untuk mencapainya. Dengan pendekatan kualititatif, jenis studi kepustakaan (library research). Proses pengumpulan data dari berbagai sumber, termasuk jurnal akademik, laporan penelitian, dan dokumen kebijakan. Diikhtiarkan dapat mengkaji literatur dengan tujuan untuk mengevaluasi implikasi dari temuan-temuan terdahulu. Hasil pembahasan ditemukan integrasi antara modal sosial dan human capital dapat menciptakan sinergi yang positif, yang selanjutnya meningkatkan produktivitas dan inovasi. Dengan demikian, diperlukan upaya yang lebih besar dari semua pemangku kepentingan, termasuk pemerintah, lembaga pendidikan, dan organisasi masyarakat, untuk mendukung strategi ini dan meningkatkan kesejahteraan masyarakat muslim.
Pengaruh Ekspektasi Kinerja Mobile Banking dan Risiko yang Diterima Terhadap Niat Perilaku Nasabah Bank Syariah Putri, Vingka Aulia; Aviva, Itsla Yunisva; Wehdawati, Wehdawati; Arifin, Muhammad Zainal
Journal of Business and Economics Research (JBE) Vol 6 No 2 (2025): June 2025
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jbe.v6i2.7525

Abstract

This study aims to analyze the influence of performance expectations and perceived risk on the behavioral intention to use mobile banking among customers of Bank Syariah Indonesia (BSI) in Palangka Raya City. The phenomenon of low mobile banking usage amid rapid digital transformation serves as the background for this research. A quantitative approach was used, employing a survey method through questionnaires distributed to 100 active BSI customers who use BSI Mobile services. Data analysis was conducted using multiple linear regression, t-test, F-test, and the coefficient of determination (R²). The partial test results show that performance expectations have a significant effect on behavioral intention (sig = 0.000 < 0.05), while perceived risk does not have a significant effect (sig = 0.670 > 0.05). However, simultaneously, both variables have a significant effect on customers’ behavioral intention (F = 48.485; p < 0.05). The adjusted R² value of 0.490 indicates that 49% of the variation in behavioral intention is explained by these two variables. The findings indicate that performance expectations positively influence the intention to use mobile banking, whereas perceived risk does not have a significant effect.
Effect Of Debt-To-Asset And Return On Equity Ratio On Going Concern Opinions Aviva, Itsla Yunisva; Suriyani, Elma; Himawan, Hilmi Satria; Hafizi, Muhammad Riza
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 11, No 1 (2025): JUNI 2025
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v11i1.15525

Abstract

This study aims to analyze the effect of the debt-to-asset ratio (DAR) and return on equity (ROE) on the issuance of going concern audit opinions, both partially and simultaneously. The study adopts a quantitative approach with a causal-comparative design. The research sample consists of 11 energy sector companies listed on the Indonesia Stock Exchange from 2013 to 2022, selected through purposive sampling from a population of 82 companies. Data were analyzed using binary logistic regression with the help of Eviews 12 software. The results show that DAR has a positive and significant partial effect on going concern audit opinion, indicating that higher debt levels increase the likelihood of receiving such an opinion. In contrast, ROE has no significant partial effect, suggesting that profitability does not significantly influence auditors' judgments regarding going concern in this sector. However, DAR and ROE jointly (simultaneously) have a significant positive effect on going concern audit opinions, implying the importance of evaluating financial risk and performance collectively. The model’s McFadden R-square value is 21.7%, indicating a moderate explanatory power where the variables studied account for about one-fifth of the variation in going concern audit opinion issuance. The remaining 78.3% is influenced by other factors not included in the model. This study contributes to the auditing literature by focusing specifically on the underexplored energy sector in Indonesia and provides insights into how financial risk indicators can inform auditors’ assessments. The findings emphasize the need for auditors and stakeholders to consider a broader range of financial indicators in evaluating a firm's going concern status
Implementation of Fundraising Management at BAZNAS Hulu Sungai Tengah in Increasing ZIS Collection Rama , Rama; Rofi'i, Rofi'i; Zulkifli, Zulkifli; Aviva, Itsla Yunisva
Iqtishodia: Jurnal Ekonomi Syariah Vol. 10 No. 2 (2025): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v10i2.2149

Abstract

Indonesia has significant zakat potential, yet actual collection remains far below expectations. In Hulu Sungai Tengah (HST) Regency, for example, zakat potential is estimated at IDR 3.1 trillion, while BAZNAS HST collected only IDR 3.09 billion in 2024. This study aims to analyze the implementation of fundraising management at BAZNAS HST using the POAC (Planning, Organizing, Actuating, Controlling) framework, identify the fundraising strategies applied, and evaluate their impact on zakat, infaq, and sadaqah (ZIS) collection. A descriptive qualitative method was employed, with data collected through in-depth interviews with BAZNAS HST officials, direct observations, and financial report documentation, and analyzed using Miles and Huberman’s interactive model. The findings show that BAZNAS HST applied structured planning (RKAT), organizing through decreed teams, innovative programs such as Blessed Friday and Baznas Corner, and routine evaluations, which together increased ZIS collection from IDR 790.98 million in 2022 to IDR 3.09 billion in 2024, with muzakki rising from 134 to 207. Nevertheless, this improvement was also influenced by external factors, including post-pandemic religious awareness, digital zakat trends, inflation, and government support. The study contributes theoretically by affirming both the relevance and limitations of POAC in zakat management, and practically by offering a replicable fundraising model adaptable to local contexts.
The Role of Monetary Policy in Stabilizing Inflation: An Islamic Economic Perspective Istiqomah, Istiqomah; Aviva, Itsla Yunisva
Jurnal Hadratul Madaniyah Vol. 12 No. 1 (2025): Jurnal Hadratul Madaniyah
Publisher : ​Institute for Researches and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/jhm.v12i1.9825

Abstract

Monetary policy plays a very important role in stabilizing inflation and maintaining economic balance. In the perspective economics, monetary policy must be based on the principle of justice, prioritize welfare, and avoid usury. This article examines the role of monetary policy in stabilizing inflation from the perspective of Islamic economics. This research uses a descriptive qualitative method with a literature study approarch, where data collection employs secondary data taken from books, journals, and articles that support the theme of this research. Research result indicate that in Islamic economic, stabilizing inflation is achieved through monetary policies that are just and free from usury. However, several sharia economic experts believe that there are some some conventional monetary policy instrumensts that can still be applied, such as reserve requirements, overall and selective credit ceilings, moral suasion, and chages in monetary policy  
Etika Agen dalam Ekonomi Islam Wahyuni, Lisa; Aviva, Itsla Yunisva
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 1 No. 1 (2025): Januari-Maret 2025
Publisher : Indo Publishing

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

Abstract

Artikel ini bertujuan untuk mengkaji konsep dan implementasi etika agen dalam ekonomi Islam serta perannya dalam menciptakan keseimbangan antara kepentingan dunia dan akhirat. Metode yang digunakan adalah pendekatan kualitatif dengan studi kepustakaan, yang mencakup analisis literatur dan data dari berbagai penelitian terkait. Hasil analisis menunjukkan bahwa etika agen, yang meliputi prinsip kejujuran, keadilan, tanggung jawab sosial, integritas, dan keberlanjutan, memainkan peran penting dalam mendukung pertumbuhan ekonomi yang berkelanjutan dan inklusif. Meskipun terdapat berbagai tantangan dalam penerapan prinsip-prinsip ini, seperti kurangnya pemahaman dan tekanan pasar, strategi berupa edukasi, kolaborasi, dan transparansi dapat menjadi solusi efektif bagi pengembangan ekonomi Islam yang lebih bertanggung jawab dan berkelanjutan.
Bibliometric Analysis of Islamic Business Model to Explore the Determinants of Customer Satisfaction Sari, Dia Purnama; Cahyani, Utari Evy; Aviva, Itsla Yunisva; Siregar, Rizal Ma'ruf Amidy
AL-QARDH Vol 7 No 2 (2022): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

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

Abstract

This study aims to provide a bibliometric analysis of the Islamic business model. This study presents bibliometric analysis and identifies publication trends within the scope of the Islamic business model in journals indexed by the dimensions database from 1994 to 2022. This study uses descriptive statistics based on 217 published articles related to the Islamic business model. The data was collected from the dimensions database and analyzed using VOSviewer. The results showed that most articles on Islamic business models were published in 2021. The journals that contain the most articles on Islamic business models are the
A Study On The Positive Impact Of Digital Visibility On Marketing For Micro, Small, And Medium Enterprises Aviva, Itsla Yunisva; Ardiansyah, Mawar; Puspita, Widya Husna; Salim, Mohammed Salim
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 9, No 2 (2023): DESEMBER 2023
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v9i2.9639

Abstract

This study examined the positive impact of the visibility of MSMEs in the digital world on marketing. This study used a qualitative method with a descriptive approach. The data used is secondary data. Data analysis was performed using qualitative analysis techniques. The study results show that the visibility of MSMEs has a crucial role in the sustainability of MSMEs. There are several positive impacts from the emergence of MSMEs in the digital world on marketing, such as: increasing Brand Awareness, making it easier for customers to find information, increasing the number of customers which indirectly can also increase sales and customer loyalty. In addition, there are several strategies that can be used to increase the visibility of MSMEs in the digital world related to marketing, namely building websites, using social media, doing SEO (Search Engine Optimization), creating online advertisements, and getting positive reviews. . By utilizing good digital marketing, MSMEs can more easily promote their products and services to a wider audience. In addition, it can attract more potential customers. This also allows MSMEs to more easily compete with larger companies as they can reach the same audience at a lower cost.
Co-Authors Ardiansyah, Mawar Hafizi, Muhammad Riza Hasnita, Hasnita Himawan, Hilmi Satria istiqomah istiqomah Komala Sari, Windi Lisa Wahyuni Muhammad Zainal Arifin, Muhammad Zainal Mutiara Kasih, Bella Puspita, Widya Husna Putri, Vingka Aulia Rama , Rama Rofi'i, Rofi'i Salim, Mohammed Salim Sari, Dia Purnama Siregar, Rizal Ma'ruf Amidy Suriyani, Elma Tricahyono, Nor Salim Utari Evy Cahyani Wehdawati, Wehdawati Zulkifli Zulkifli