Article Per Year (5 Year)
p-Index From 2021 - 2026
6.126
P-Index
This Author published in this journals
All Journal ABDIMAS SILIWANGI J-MPI (Jurnal Manajemen Pendidikan Islam) Dialogia: Jurnal Studi Islam dan Sosial El-Barka: Journal of Islamic Economics and Business Amalee: Indonesian Journal of Community Research & Engagement Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Insan Cita Jurnal Pengabdian Kepada Masyarakat El-Wasathiya: Jurnal Studi Agama Bertuah : Jurnal Syariah dan Ekonomi Islam Etos : Jurnal Pengabdian Masyarakat Journal of Islamic Economics and Finance Studies An-Nisbah : Jurnal Perbankan Syariah Ma'alim: Jurnal Pendidikan Islam Etihad: Journal of Islamic Banking and Finance Velocity: Journal of Sharia Finance and Banking Journal of Islamic Economics Niqosiya: Journal of Economics and Business Research ROSYADA: Islamic Guidance and Counseling Abdimas Indonesian Journal Mutanaqishah: Journal of Islamic Banking Cerdika: Jurnal Ilmiah Indonesia Velocity: Journal of Sharia Finance and Banking Jurnal Antologi Hukum NGARSA: Journal of Dedication Based on Local Wisdom Journal of Sharia Economic Law Welfare: Jurnal Pengabdian Masyarakat Falahiya Amaluna: Jurnal Pengabdian Masyarakat Nidhomiya: Research Journal of Islamic Philanthropy and Disaster Khidmatuna: Jurnal Pengabdian Masyarakat BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Ulya, Husna Ni'matul
Institut Agama Islam Negeri Ponorogo
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

Published : 50 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search
Journal : Falahiya

 1 
Preferensi Pengusaha Muslim Desa Bangunsari Dalam Pembiayaan Modal Kerja Melalui Pendekatan Integratif Antara Prinsip-Prinsip Syariah dan Teori Pilihan Rasional Bimantara Eka Putra; Husna Ni'matul Ulya
Falahiya: Journal of Islamic Banking and Finance Vol. 2 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v2i2.2904

Abstract

Abstract: Compared to the surrounding villages, Bangunsari has fairly complete facilities ranging from agencies and offices, schools and education, recreational and sports facilities, culinary delights, etc. Preference is a person's tendency to choose or prioritize something. A consumer is every person who buys, uses or consumes various types of goods and services to fulfil the most basic needs and actualize himself. This research aims to analyze the preferences of Muslim entrepreneurs in Bangunsari Village in financing working capital, the factors behind the preferences of Muslim entrepreneurs in Bangunsari Village, and the integration between sharia principles and rational choice theory. Researchers use a qualitative approach with field research for data collection techniques used by researchers, namely observation, interviews and documentation. The research location is Bangunsari Village, Dolopo District, Madiun Regency, East Java. From the research that has been carried out, the author can conclude that Muslim entrepreneurs in Bangunsari Village determine their preferences based on price or interest in financing, quality of service such as financing and disbursement processes, and tangibles or facilities and affordable access. The integration of Sharia principles and rational choice theory in forming Muslim entrepreneurs' preferences in capital financing means that although Muslim entrepreneurs in the Bangunsari village prefer to carry out financing in conventional banks and ignore usury, they do not simply ignore other Sharia principles such as gharar which means obscurity or deception, and maysir means game or gambling. It is hoped that Sharia Banks in the Madiun area can further improve their performance, both in terms of quality and quantity, so that they can be more competitive and competitive in terms of Brand Image, profit sharing percentage, and easy and fast financing processes and requirements. Abstrak: Dibandingkan dengan desa desa di sekitarnya, bangunsari merupakan desa dengan fasilitas yang cukup lengkap mulai dari instansi maupun perkantoran, sekolah maupun pendidikan, wahana rekreasi maupun olahraga, kuliner, dan lain sebagainya. Preferensi merupakan kecenderungan seseorang untuk memilih atau mengutamakan sesuatu hal. Konsumen adalah setiap orang yang melakukan tindakan membeli, menggunakan atau mengonsumsi berbagai jenis barang dan jasa baik untuk memenuhi kebutuhan yang paling dasar sampai dengan kebutuhan untuk mengaktualisasikan dirinya. Dalam penelitian kali ini bertujuan untuk menganalisis preferensi pengusaha muslim Desa Bangunsari dalam melakukan pembiayaan modal kerja, faktor-faktor yang melatarbelakangi preferensi pengusaha muslim desa bangunsari, serta integrasi antara prinsip syariah dan teori pilihan rasional. Peneliti menggunakan pendekatan kualitatif dengan jenis penelitian field research (penelitian lapangan). Untuk teknik pengumpulan data yang digunakan peneliti yaitu obaservasi, wawancara dan dokumentasi. Lokasi penelitian bertempat di Desa Bangunsari, Kecamatan Dolopo, Kabupaten Madiun, Jawa Timur. Dari penelitian yang telah dilakukan, penulis dapat menyimpulkan bahwa pengusaha muslim Desa Bangunsari dalam menentukan preferensinya berdasarkan harga atau bunga dalam pembiayaan, kualitas pelayanan seperti proses pembiayaan dan pencairan, dan juga tangibles atau fasilitas dan juga akses yang terjangkau. Integrasi prinsip-prinsip syariah dan teori pilihan rasional dalam membentuk preferensi pengusaha muslim dalam pembiayaan modal yakni walaupun para pengusaha muslim desa bangunsari lebih memilih untuk melakukan pembiayaan di bank konvensional dan mengabaikan riba, namun mereka tidak begitu saja mengabaikan prinsip-prinsip syariah lainnya seperti gharar yang berarti ketidakjelasan atau menipu, dan maysir yaitu permainan atau judi. Bank Syariah di wilayah madiun diharapkan dapat lebih meningkatkan performanya, baik dari segi kualitas maupun kuantitas agar dapat lebih bersaing dan kompetitif dari segi Brand Image, persentase bagi hasil, dan proses serta persyaratan pembiayaan yang mudah dan cepat.
Determinasi Kepuasan Pelayanan Front Office Pasca Penggabungan Kantor BSI KCP Ponorogo Ika Fitriah; Husna Ni'matul Ulya
Falahiya: Journal of Islamic Banking and Finance Vol. 3 No. 1 (2024)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v3i1.3636

Abstract

Introduction: This research aims to better understand the factors influencing front-office service satisfaction after the office merger at BSI Ponorogo Soetta. The emergence of queuing problems felt by customers and front office officers not being ready to provide service causes customer satisfaction to decrease. This type of research is quantitative research with a sample size of 100 respondents using non-probability sampling techniques in the form of purposive sampling. The data obtained was then analyzed using the SPSS statistical program. This analysis consists of validity tests, reliability tests, classical assumption tests (normality test, multicollinearity test, heteroscedasticity test), and multiple regression tests (partial test, simultaneous test, and determination test). The results of the research are that partially and simultaneously, the variables tangible, reliability, responsiveness, assurance, and empathy influence customer satisfaction in the front office after the merger of the BSI KCP Ponorogo office with an R2 value of 0.911, meaning that it can explain variations in service quality of 91.1% and variables influence the remaining 8.9%.
The Effectiveness of Using BSI QRIS Mobile Payment as a Transaction Medium for MSMEs in Sawoo District Wulan Puspita Sari; Husna Ni'matul Ulya
Falahiya Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v4i2.5349

Abstract

Introduction: This paper examines the effectiveness of using QRIS BSI as a mobile payment medium for Micro, Small, and Medium Enterprises (MSMEs) in Sawoo District. The topic is important because digital transactions are increasingly essential for improving efficiency and competitiveness among small business actors in Indonesia. Research Methods: This study uses a qualitative descriptive approach with field research methods involving interviews, observations, and documentation. The analysis applies the Technology Acceptance Model (TAM) framework developed by Davis (1986), which includes indicators of usefulness, efficiency, adaptation barriers, and ease of use. Results: The findings show that QRIS BSI provides benefits in efficiency, safety, and modern business image, especially for younger users. However, older customers face limitations due to low digital literacy and unstable internet networks. Conclusion: QRIS BSI is generally effective in improving transaction efficiency and supporting Islamic financial practices, although further improvements in infrastructure and digital literacy are still required.
Co-Authors AA Sudharmawan, AA Abdullah, Umar Andriani, Dela Ayu, Diyan Putri Bayu, Tri Bayu Bimantara Eka Putra Cahyani, Putri Gita Damayanti, Yuditya Dwi Handayani Dwi Handayani Eka Nursafitri Eka Nursafitri Fatin Alfiah Rahmah Febriana, Indri Felianti Dwi Wulandari Fitriah, Ika Humaidi, Muchtim Ika Fitriah Ilma, Mughniatul Ima Frafika Sari Indah Mahardya Putri Indah Trisna Nurhayati Indriyani, Firly Lidyyana Dwi Rahayu Maliha, Novi Fitia Mohammad Ridwan Mutiara, Dea Nur Eka Nanda Afrita Veronica Nia Zainul Mar'ati Niken Ayu Wulandari Nova Titin Lestari Novita Dwi Rachmawati Nur Mahmudah, Siti Nur Roikhatul Jannah NURUL ANNISA Pratiwi, Diah Ayu Nanda Anjar Putri, Frida Ananda Ratna Dewi Setyowati Ravina Putri Agustin Romadhoni, Cindy Fatika Safiruddin Al Baqi, Safiruddin Sari, Nia Dwi Kartika Sa’adah, Cindy Kaela Shadruddin, Renaldin Siti Nur Mahmudah Soenjoto, Wening Purbatin Palupi Wening Purbatin Palupi Soenjoto Wulan Puspita Sari Wulandari, Felianti Dwi