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All Journal ETIKONOMI Ekonomi Bisnis Jurnal Sosial Ekonomi Pertanian IQTISHODUNA JEJAK el-Jizya: Jurnal Ekonomi Islam Global Review of Islamic Economics and Business Jurnal Dinamika Ekonomi dan Bisnis Jurnal Bisnis dan Kewirausahaan Jurnal GeoEkonomi Jurnal Ilmiah Al-Tsarwah Economics and Digital Business Review Invest Journal of Sharia & Economic Law Share: Jurnal Ekonomi dan Keuangan Islam Banco: Jurnal Manajemen dan Perbankan Syariah Ijtimā`iyya: Journal of Muslim Society Research el-Jizya: Jurnal Ekonomi Islam Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Jurnal Ekonomi, Bisnis dan Manajemen
Furwanti, Reni
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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DOES ISLAMIC FINANCIAL DEVELOPMENT MATTER TO IMPROVE STANDARD LIVABILITY? EVIDENCE FROM INDONESIA Furwanti, Reni; Lestari, Dini Maulana; Solikhin, Iin; Hardiyono, Hardiyono
Jurnal Ilmiah Ekonomi Bisnis Vol 29, No 3 (2024)
Publisher : Universitas Gunadarma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35760/eb.2024.v29i3.10895

Abstract

This research aims to examine and analyze the relationship between Islamic financial development and Indonesia's standard of livability from an Islamic perspective. This is considered significant because, as a developing country, it is crucial for Indonesia to sustain high economic growth along with a good standard of livability. This is a quantitative study using a panel data regression method, utilizing panel data such as Islamic financing disbursement and real expenditure per capita across 33 provinces in Indonesia from 2017 to 2022. The results revealed that Islamic financial development plays a significant role in improving the standard of livability. Moreover, these findings will help understand the role of financial inclusion in sustainable development, contributing to discussions on financial and distribution policies for lower-income groups.
Understanding Islamic Banking Usage Continuance in Indonesia: A Relevance of Religiosity Perspective Lestari, Dini Maualana; Furwanti, Reni; Masri, Syahril
Invest Journal of Sharia & Economic Law Vol. 5 No. 1 (2025)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v5i1.10420

Abstract

This study explores and analyzes religiosity as a key factor in muamalah activities to boost Islamic banking customers' intention to continue using the service. This focus arises from the intense competition in Indonesia's Islamic financial industry. Despite this competition, the Islamic banking sector still has a relatively small percentage of loyal customers, contributing to its low market share in the country. Therefore, banks must devise strategies that leverage religious factors to enhance customers' continuance intention usage (CUI). This quantitative study employed a survey method, utilizing structural equation modeling (SEM-AMOS) to meet its research objectives. The study selected Islamic banking customers as its sample and gathered 403 participants through convenience sampling. The findings indicate that this study adjusted the religiosity indicator to assess economic activity, particularly customer behavior. Additionally, the model demonstrated that religiosity can significantly enhance Islamic banking customers' CUI. This study offers policy recommendations for regulators in the Islamic banking industry, emphasizing the importance of religious factors in attracting customer continuance intention usage, as most Indonesian Muslims exhibit greater confidence in such factors.
THE CONTRIBUTION OF BANKING FINANCING TO THE QUALITY OF THE ENVIRONMENT IN INDONESIA Raodah; Furwanti, Reni; Harnisah; Lutpiah Ainun, Siti
Jurnal Ilmiah Al-Tsarwah Vol. 8 No. 1 (2025): JUNI
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v8i1.10521

Abstract

The issue behind this research is the increase in temperature due to human activities supported by productive and consumptive financing by banks in Indonesia. This study seeks to ascertain how productive and consumptive financing by banks relates to the environmental quality index in Indonesia. Using a quantitative approach, this study utilizes secondary data. The data was obtained from the official websites of the Financial Services Authority (OJK), the Central Statistics Agency (BPS), and the Ministry of Environment and Forestry (KLHK).Productive Financing Credit (KPP) and Consumptive Financing (KPK) have a significant effect on the Environmental Quality Index (IKLH) both partially and simultaneously. Productive financing affects environmental quality, as can be seen from the large amount of financing involved. For example, purchasing vehicles as a means of product distribution, where the use of these vehicles is frequent, contributes to environmental pollution. Consumptive financing, such as credit for purchasing goods like gadgets, vehicles, or furniture, can negatively reduce the IKLH. For example, consumptive financing makes it easier for people to obtain goods, thereby increasing overall demand. This triggers massive production that requires the extraction of more natural resources such as wood, minerals, and petroleum. The results of the study conclude that productive financing has a significant impact on the IKLH, while consumptive financing has an effect but is not significant on the IKLH. This study is limited to banking financing, so further research can explore in depth the elements that contribute to the Environmental Quality Index outside of banking financing. Future researchers can review in more depth how the production process and use of vehicles affect environmental quality.
Redefining CRM for the Digital Age: The Role of Customer Data Protection from an Islamic Perspective Furwanti, Reni; Casmini, Casmini; Wibowo, Muhammad Ghafur
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 13 No. 1 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i1.22521

Abstract

ABSTRACT - This study refines Customer Relationship Management (CRM) as a strategic approach for the digital era. It proposes Customer Data Protection (CDP) as a crucial new dimension for a more holistic CRM framework. This revised framework addresses inconsistencies in past CRM definitions, which have contributed to implementation failures across industries. The urgency for this refinement is further emphasized by Indonesia's weak data security landscape. Employing a quantitative survey methodology, the study gathers data from 412 respondents selected through purposive sampling. Confirmatory Factor Analysis (CFA) is then utilized to analyze each CRM dimension within the collected data. The empirical findings establish five significant dimensions of CRM, forming a strategic framework referred to as the "5C CRM." This framework encompasses processes for cultivating positive stakeholder relationships, preserving company value, and ultimately enhancing customer satisfaction. From an Islamic perspective, data protection aligns with the Maqāṣid Sharia principle of hifdz al-nafs (protecting life). By securing customer data, companies safeguard customers from potential dangers associated with cybercrime and unauthorized access. This aligns with the Quranic verse An-Nur:27, which emphasizes seeking permission before entry. This verse signifies the company's responsibility to secure and protect customer data from unauthorized access. Ultimately, businesses that actively safeguard personal information are more likely to cultivate customer satisfaction and loyalty. The findings suggest that prioritizing data security not only aligns with Islamic principles but also fosters stronger customer relationships.========================================================================================================ABSTRAK - Redefinisi CRM untuk Era Digital: Peran Perlindungan Data Konsumen dalam Perspektif Islam. Penelitian ini meredefinisi konsep Customer Relationship Management (CRM) sebagai pendekatan strategis untuk era digital dengan mengusulkan dimensi baru, yaitu Perlindungan Data Konsumen (Customer Data Protection - CDP), untuk menciptakan kerangka kerja CRM yang lebih komprehensif. Penyempurnaan ini bertujuan untuk mengatasi persoalan inkonsistensi definisi CRM yang berakibat pada kurang efektifnya implementasi di berbagai sektor. Urgensi penyempurnaan ini disebabkan oleh kondisi keamanan data di Indonesia yang masih lemah sehingga sering terjadi kebocoran data. Penelitian ini menggunakan metode kuantitatif yang mengumpulkan data melalui survei kuesioner dari 412 responden yang dipilih secara purposif. Confirmatory Factor Analysis (CFA) digunakan untuk menganalisis dimensi-dimensi CRM dari data yang terkumpul. Hasil kajian menetapkan lima dimensi kunci CRM yang membentuk kerangka strategis yang disebut “5C CRM”. Kerangka ini mencakup proses yang dilakukan perusahaan untuk membina hubungan positif dengan pemangku kepentingan internal dan eksternal, menjaga nilai perusahaan, dan meningkatkan kepuasan pelanggan. Dari perspektif Islam, perlindungan data konsumen sejalan dengan prinsip Maqashid Syariah, khususnya aspek hifdz al-nafs (melindungi kehidupan). Dengan pengamanan data konsumen, perusahaan akan melindungi pelanggan dari bahaya kejahatan dunia maya dan akses yang tidak sah. Hal ini sesuai dengan ayat Al-Qur’an An-Nur:27 yang menekankan pentingnya meminta izin sebelum memasuki suatu tempat, yang menandakan tanggung jawab perusahaan untuk mengamankan dan melindungi data konsumen dari akses tidak sah. Pada akhirnya, perusahaan yang secara aktif melindungi informasi pribadi cenderung meningkatkan kepuasan dan loyalitas pelanggan. Temuan penelitian menunjukkan bahwa prioritas terhadap keamanan data tidak hanya sejalan dengan prinsip Islam tetapi juga memperkuat hubungan dengan pelanggan.  
Co-Authors Abdul Aziz Abdul Mustaqim Abdul Qoyum Adilla, Adilla Adrianus Aprilius Andi Dewi Aulia Mallombasang Aziz Muslim Casmini Casmini, Casmini Dini Maulana Lestari Dini Maulana Lestari Dini Maulana Lestari Dini Maulana Lestari Hardiyono Harnisah Ifah Finatri Latiep Ifah Finatry Latiep Iin Solikhin Iin Solikhin Lestari, Dini Maualana Lestari, Dini Maulana Lutpiah Ainun, Siti Masri, Syahril Muflikha, Muflikha Muhammad Ghafur Wibowo, Muhammad Ghafur Nur Fatma Nur Umaima Wafia Raden Mohamad Herdian Bhakti Raden Roro Fosa Sarassina Slamet Haryono Slamet Haryono Wafia, Nur Umaima