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All Journal IJTIHAD Jurnal Ekonomi Syariah Teori dan Terapan Jurnal Ekonomi dan Bisnis Islam ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Agroteksos Islamiconomic: Jurnal Ekonomi Islam Journal of Islamic Economics Lariba
Rahmi, Asri Noer
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Religion Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Opportunities and Challenges of Halal Cosmetics and its Contribution to Economic Sector in Indonesia Rahmi, Asri Noer
Ijtihad Vol. 18 No. 1 (2024): Ijtihad: Jurnal Hukum dan Ekonomi Islam
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/ijtihad.v18i1.11651

Abstract

**English**This research aims to look at how the opportunities and challenges of halal cosmetics and it’s contribution in economic sector in Indonesia as well as consumers understanding of halal cosmetics and good for health. The study used the Theory of Planned Behavior model. The respondents in the study were owner one of halal cosmetic, customers active halal cosmetic and knew what type of cosmetics to use and did not have any negative effects in their use. The research method used is qualitative through interviews with cosmetic owner and customers both male and female. Consumers who have literacy and education related to the importance of halal cosmetics give a positive response and promote the use of halal labeled cosmetics, while consumers who still lack literacy and education of halal cosmetics are still interested in using cosmetics that have not been labeled halal at affordable prices, or are foreign cosmetics that are not yet clear. Opportunities and challenges faced by halal cosmetics in Indonesia include education and literacy, affordable product prices and support from the government and halal certification in Indonesia.                                                                                                  **Indonesia**ekonomi di Indonesia serta pemahaman konsumen atas kosmetik halal dan baik bagi kesehatan. Penelitian ini menggunakan model Theory of Planned Behavior. Responden dalam penelitian ini adalah salah satu pemiliki kosmetik halal, pengguna kosmetik aktif dan mengetahui jenis kosmetik apa yang harus digunakan dan tidak memberikan efek negatif dalam penggunaannya. Metode penelitian yang digunakan adalah kualitatif melalui interview dengan konsumen pengguna kosmetik baik laki-laki maupun perempuan. Konsumen yang memiliki literasi dan edukasi terkait pentingnya kosmetik halal memberikan respon positif dan mempromosikan penggunaan kosmetik berlabel halal, sedangkan konsumen yang masih kurang literasi dan edukasi kosmetik halal masih tertarik menggunakan kosmetik yang belum berlabel halal pada harga terjangkau, atau merupakan kosmetik luar negeri yang belum jelas kehalalannya. Peluang dan tantangan yang dihadapi kosmetik halal di Indonesia diantaranya edukasi dan literasi, harga produk yang terjangkau dan adanya dukungan dari pemerintah dan sertifikasi halal di Indonesia.
Evaluation of Financial Technology's Performance in Islamic Banking across Indonesia, Malaysia, and Brunei Darussalam Rahmi, Asri Noer; Palupi, Ade; Siska Pratiwi, Silvia; Annisa Buys, Witrie
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 14, No 2 (2023)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v14i2.559

Abstract

This research aims to analyze the effect of financial technology on financial performance in Islamic banking Indonesia, Malaysia and Brunei. The measurement method used in this research the percentage of income derived from the financial technology in the financial statements presented in Islamic banking registered with the Financial Services Authority (OJK). The data used is secondary data obtained from the annual financial statements. population in this research Islamic banking in Indonesia period 2016-2020. The sampling method in this research using purposive sampling method. The number of samples obtained is 129 samples. The data analysis used is the classical assumption test and multiple linear regression analysis. The method analysis data using SPSS version 25. The results of the analysis that has been carried out in this research, it shows that FDR, DER, BOPO, Inflation and Islamic Banking have a significant effect on financial technology in Islamic banking. Meanwhile, financial performance represented by ROA has a significant negative effect on financial technology. Where the increasing income generated by Islamic banking does not necessarily mean that the bank will improve the quality of its financial technology. All variable contribution to the development of financial technology in Islamic banking in Indonesia, Malaysia and Brunei. This shows that the realization that had carried out describes the situation and the condition of the financial performance of Islamic banking on the financial technology.
PENGARUH MAQASHID SYARIAH DAN ISLAMIC SOCIAL REPORTING TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA Syurmita, Syurmita; Kurniawan, Rizky Fernanda; Rahmi, Asri Noer; Welkom, Syahfitri Suryaningsi; Rachman, M. Emil
AGROTEKSOS, Jurnal Ilmiah Ilmu Pertanian Vol 34 No 3 (2024): Jurnal Agroteksos Desember 2024
Publisher : Fakultas Pertanian Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/agroteksos.v34i3.1226

Abstract

This research is motivated by the rapid growth of Islamic banking, which necessitates that Islamic banks enhance profitability to operate in a sound and efficient manner in line with Sharia principles. In their operations, Islamic banks focus not only on financial aspects but also on non-financial aspects, such as Maqashid Shariah and Islamic Social Reporting (ISR). This study aims to examine the impact of Maqashid Shariah and ISR on the profitability of Islamic banks. A quantitative method is used, with a population of Islamic commercial banks in Indonesia from 2018 to 2022. The sample was selected using purposive sampling, resulting in data from 55 annual reports of Islamic banks. The analytical technique used is multiple linear regression to measure the influence of each variable. The findings show that Maqashid Shariah has a significant negative effect on profitability (t-value of -4.468 and a significance value < 0.001). This result aligns with the concept of Maqashid Shariah in banking, where the primary goal of Islamic banks is not short-term profit but rather social welfare. On the other hand, ISR has a significant positive effect on profitability (t-value of 4.308 and a significance value < 0.001). ISR plays an important role in strengthening the image, reputation, and public trust in Islamic banks. This study provides insight into the importance of non-financial aspects in supporting the sustainability of Islamic banks.
THE STUDY ON ISLAMIC VALUES AND WOMEN ENTREPRENEURSHIP MSMES Maksum, Asep; Sevriana, Lufthia; Pratiwi, Anggun; Rahmi, Asri Noer
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 1 (2025): JANUARY - JUNE 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i1.63761

Abstract

This study investigates of Islamic values on the sustainability strategies of women-led, knowledge-based micro, small, and medium enterprises (MSMEs). Women entrepreneurs significantly contribute to community welfare, and to contextualize the analysis, this study employs a literature review approach by examining prior research on Islamic business ethics, gender dynamics in entrepreneurship, and sustainability practices in MSMEs. The review highlights how Islamic principles may serve as foundational values influencing sustainable business practices among women entrepreneurs. By using bibliometric analysis using data from the Scopus database spanning from 2005 to 2024. A total of 29 documents were initially identified using keywords related to Islamic values, women entrepreneurship, and MSMEs. The bibliometric data were analyzed using VOSviewer software to visualize publication trends, keyword networks, and research clusters in the field. Bibliometric analysis of 22 Scopus-indexed articles identified three dominant research clusters: Islamic ethics and gender identity, social capital and business knowledge, and community-based micro entrepreneurship. The Journal of Business Ethics was the most prominent outlet, and the most cited scholars were Essers & Benschop (2009). The results highlight a lack of empirical research connecting Islamic values with financial literacy and sustainability outcomes in women-led MSMEs. Islamic values, such as honesty, justice, and social responsibility, serve as ethical foundations for women entrepreneurs in Muslim contexts. Future studies should examine the link between Islamic womenpreneurs and financial literacy, particularly their engagement with Islamic microfinance. Additionally, exploring how cultural variations within Muslim societies influence women's entrepreneurial approaches would provide valuable insights.
Adoption of halal Korean cosmetics among Muslim students: Insights from Islamic private universities Sudarsono, Heri; Ash Shidiqie, Jannahar Saddam; Ardiami, Kinanthi Putri; Sujono, Rusny Istiqomah; Suciningtias, Siti Aisiyah; Fitriyani, Yeni; Khasanah, Miftakhul; Ikawati, Retty; Rahmi, Asri Noer
Asian Journal of Islamic Management (AJIM) VOLUME 7 ISSUE 1, 2025
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AJIM.vol7.iss1.art1

Abstract

Purpose – This study aimed to analyze the purchase intentions of Muslim students from private Islamic universities in Indonesia toward halal cosmetics in Korea.Methodology – This study involved 287 Muslim students from eight private Islamic universities in Indonesia. Data were analyzed using Structural Equation Modeling (SEM) with Partial Least Squares (PLS) to examine the relationships between the variables.Findings – The results reveal that attitude, brand image, country of origin, and fear of missing out (FOMO) significantly influence purchase intention. Among these, brand image exerts the strongest effect, followed by FOMO, whereas country of origin has a smaller influence. In contrast, halal knowledge and religiosity do not directly affect purchase intention, although they significantly influence attitudes.Implication – These findings underscore the importance of Korean halal cosmetic brands in building strong brand image and fostering positive consumer attitudes. Companies should focus on the perceived product quality, innovation, and alignment with values that are important to Muslim consumers. In addition, the significant role of FOMO suggests the effectiveness of marketing strategies that create urgency and exclusivity.Originality – This research is original in its focus on Korean halal cosmetic purchase intentions among Muslim students from eight Islamic private universities in Indonesia. It contributes to the understanding of how brand image, religiosity, halal knowledge, country of origin, and FOMO shape consumer behavior in the halal cosmetic market.
Determinants of Non-Performing Financing in Islamic Banks: Evidence from Islamic Banking in Southeast Asia Pratiwi, Silvia Siska; Rahmi, Asri Noer; Yayuningsih, Siti; Palupi, Ade; Salsabila, Lilis
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 11 No. 2 (2024): Mei-2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol11iss20242pp135-147

Abstract

The aim of this research is to analyse the factors that influence the occurrence of non-performing financing in Islamic banks in Indonesia, Malaysia, the Philippines, and Brunei Darussalam. This research needs to be discussed because there was an increase in non-performing financing during the covid-19 pandemic. The design used in this study is a quantitative descriptive study with secondary data types. The sampling technique used is a purposive sampling technique with a population of Islamic banks in Indonesia, Malaysia, the Philippines, and Brunei Darussalam with a number of samples that meet the requirements of 26 Islamic banks. The data analysis method used is a parametric statistical method with multiple linear regression as a hypothesis testing method. This research uses SPSS Version 25 software to process the data. The results show that diversification, Capital Adequacy Ratio (CAR), Bank Size, Net Interest Margin (NIM), and Return on Asset (ROA) have a significant effect on non-performing financing. Meanwhile, the Financing to Deposits Ratio (FDR), Gross Domestic Product, and inflation have no significant effect on non-performing financing.
Synthesizing National Zakat Index Application In Indonesia Sulistyowati, Sulistyowati; Rahmi, Asri Noer
Journal of Islamic Economics Lariba Vol. 4 No. 1 (2018)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol4.iss1.art2

Abstract

The study aims to synthesize the implementation of National Zakat Index (NZI) in Indonesia that published by National Zakat Agency (Baznas) on 2016. NZI is a model that attends the concept of multi-stages composition index that can compute all aspects of zakat comprehensively covering all stakeholders of zakat management starting from muzakki, mustahik, regulations and government budgets related to zakat on the macro and micro dimensions (Beik, 2016). This study is qualitative research which were used primary data through in-depth interviews and also secondary data through literature reviews. The results shows that the implementation of NZI throughout three years ago was effective which appropriate to the goal for measuring the effectiveness of zakat role in eradicating poverty. Furthermore, the synthezising stage conducted the proposed concept to encourage formed of integrated indexing model between Zakat and Waqf namely National Zakat-Waqf Index (NZWI). It is an idea that both of main Islamic financial instruments with the same final goals which are alleviating poverty and enhanching social welfare should engaged together as a unity into one harmony for better Indonesia. Moreover, advanced research is needed which is focus on practical aspects with considers other detail support elements.
The understanding of the Islamic community's intention toward religious tourism Mu'ammar, Zuhdi; Sudarsono, Heri; Rahmi, Asri Noer; Hawariyuni, Weni
Asian Journal of Islamic Management (AJIM) VOLUME 5 ISSUE 2, 2023
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AJIM.vol5.iss2.art3

Abstract

Purpose – This study aims to analyze the influence of attitudes, subjective norms, perceived behavioral control, service quality, and religious tourism literacy on people's intention in recommending and returning to religious tourism destinations.Research methods – The data source for this research was a survey method with a questionnaire distributed via broadcast on social media. This research uses a quantitative data processing method using structural equation modeling partial least squares (SEM-PLS) analysis with the SmartPLS 3.3 statistical tool.Findings – The results of this study show that subjective norms (SN), attitudes (ATT), and religious tourism literacy (RTL) have a significant influence on the intention to recommend and revisit religious tourism. Meanwhile, service quality (SQ) and perceived behavioral control (PBC) were not accepted and did not have a significant effect on the intention to recommend and revisit religious tourism.Implications – The government can also focus on developing religious tourism literacy programs to increase public knowledge, which, in turn, can enhance interest, positive attitudes, and the intention to recommend and revisit. Considering these implications, destination managers and stakeholders can design more effective strategies to enhance attractiveness and visitor satisfaction and contribute to the sustainable development of religious tourism.Originality – This model adopts the Theory of Planned Behavior (TPB) by incorporating service quality and religious tourism literacy. Service quality and religious tourism literacy are considered appropriate factors to capture issues related to the community's intention to recommend and revisit religious tourism destinations
Exploring Muslim students' adoption of mobile banking in conventional banks Sudarsono, Heri; Utami, Sri; Rahmi, Asri Noer; Yuniarti, Fauziah Rizki; Suciningtias, Siti Aisiyah
Asian Journal of Islamic Management (AJIM) VOLUME 6 ISSUE 1, 2024
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AJIM.vol6.iss1.art3

Abstract

Purpose – This study aims to analyze the factors that influence Muslim students' intention to adopt mobile banking in conventional banks. Methodology – The research sample consisted of 170 Muslim students who used mobile banking in conventional banks. The partial least squares (PLS) method was used to evaluate the unified theory of acceptance and use of technology (UTAUT) on Muslim students' intentions to use m-banking in conventional banks. Findings – This research shows that performance expectancy, facilitating conditions, and social influence the behavioral intention of Muslim students, while effort expectancy does not influence the behavioral intention of Muslim students to adopt mobile banking at conventional banks. On the other hand, behavioral intention influences Muslim students’ behavior towards mobile banking in conventional banks.Implications – Banks should focus on highlighting user-friendly designs and providing clear, accessible information and support to overcome perceived difficulties. Emphasizing the practical benefits and efficiency of mobile banking can play a significant role in encouraging its use. Additionally, creating a supportive environment with adequate resources and leveraging positive social influences can further increase students' intentions and actual usage of mobile banking services.Originality – Research on the intention of Muslim students to adopt mobile banking at Islamic banks has been conducted by many previous researchers. Therefore, this study examines the influence of Muslim students' intention to adopt mobile banking in conventional banks, which has rarely been studied by previous researchers.
Co-Authors Ade Palupi Anggun Pratiwi Annisa Buys, Witrie Ardiami, Kinanthi Putri Ash Shidiqie, Jannahar Saddam Fitriyani, Yeni Heri Sudarsono Ikawati, Retty Kurniawan, Rizky Fernanda Lufthia Sevriana Maksum, Asep Miftakhul Khasanah Mu'ammar, Zuhdi Muhamad Emil Rachman Pratiwi, Silvia Siska Rusny Istiqomah Sujono Salsabila, Lilis Siska Pratiwi, Silvia Siti Aisiyah Suciningtias Sri Utami Sulistyowati Sulistyowati Welkom, Syahfitri Suryaningsi Weni Hawariyuni, Weni Yayuningsih, Siti Yuniarti, Fauziah Rizki