Article Per Year (5 Year)
p-Index From 2020 - 2025
1.405
P-Index
This Author published in this journals
All Journal El Dinar El-Qist : Journal of Islamic Economics and Business (JIEB) Jurnal Manajemen dan Inovasi (MANOVA) International Journal of Economy, Education and Entrepreneurship (IJE3) Journal of Asset Management and Public Economy Publikasi Riset Mahasiswa Manajemen Klabat Accounting Review Triwikrama: Jurnal Ilmu Sosial International Journal of Islamic Finance (IJIF)
Maghfiroh, Rahma Ulfa
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

Published : 10 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 10 Documents
Search

 1 
ANALISIS TINGKAT KESEHATAN DAN POTENSI FINANCIAL DISTRESS DENGAN METODE RGEC PADA BNI SYARIAH TAHUN 2014-2018 Surya Pratikto, Muhammad Iqbal; Qanita, Ariza; Maghfiroh, Rahma Ulfa
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 9 No. 1 (2019): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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

Abstract

Penilaian tingkat kesehatan bank merupakan hal yang sangat penting, tidak hanya untuk kepentingan stakeholder melainkan juga untuk kepentingan perusahaan itu sendiri. Dengan mengetahui kondisi kesehatan bank, manajemen bisa lebih mudah dalam menentukan arah kebijakan jalannya perusahaan ke depan. Dalam menjalankan bisnisnya, perbankan harus memperhatikan aspek risiko yang mungkin diakibatkan dari kegiatan operasionalnya. Penelitian ini bertujuan untuk menilai tingkat kesehatan dan potensi financial distress pada bank BNI Syariah dari tahun 2014 sampai 2018. Penilaian tingkat kesehatan bank sangat penting baik untuk stakeholder maupun untuk kepentingan pengambilan keputusan bagi manajemen bank itu sendiri. Tingkat kesehatan bank dibagi menjadi lima kategori yaitu “Sangat Sehat” yang dipersamakan dengan Peringkat Komposit 1 (PK-1), “Sehat” yang dipersamakan dengan Peringkat Komposit 2 (PK-2), “Cukup Sehat” yang dipersamakan dengan Peringkat Komposit 3 (PK-3), “Kurang Sehat” yang dipersamakan dengan Peringkat Komposit 4 (PK-4), dan “Tidak Sehat” yang dipersamakan dengan Peringkat Komposit 5 (PK-5). Metode penilaian tingkat kesehatan bank telah mengalami berbagai perubahan mulai dari CAMEL, CAMELS, dan yang terakhir dan saat ini digunakan adalah RGEC. RGEC mengukur empat komponen yaitu Risk Profile yang diproksikan melalui NPF dan FDR, GCG yang diproksikan melalui PDN, Earnings yang diproksikan melalui ROA, ROE, NI, dan BOPO, serta Capital yang diproksikan melalui CAR. Jenis penelitian ini adalah kuantitatif deskriptif dengan menggunakan metode RGEC (Risk Profile, Good Corporate Governance, Earnings, dan Capital) dalam analisis laporan keuangan. Hasil penelitian ini menunjukkan bahwa bank BNI Syariah dari tahun 2014 sampai 2018 masuk dalam peringkat PK-2 dan dinyatakan sehat serta tidak berpotensi mengalami financial distress.
Konsep Nilai Waktu dari Uang dalam Sudut Pandang Ekonomi Islam Maghfiroh, Rahma Ulfa
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 9 No. 2 (2019): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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

Abstract

Kemajuan pemikiran dan peradaban manusia terus berkembang, begitu pula dengan perkembangan ekonomi yang semakin pesat. Perkembangan teori keuangan yang saat ini juga bermunculan sehingga menjadi masalah yang hangat diperdebatkan, salah satunya adalah konsep time value of money atau lebih dikenal dengan nilai waktu dari uang. Konsep nilai waktu dari uang ini menyebutkan bahwa nilai uang saat ini lebih berharga dari sejumlah nilai uang yang sama di masa mendatang. Agar uang tidak tergerus nilainya seiring dengan berjalannya waktu maka hal tersebut tidak terlepas dari yang namanya bunga. Menurut konsep ekonomi Islam menegaskan bahwa dalam al-Quran telah mengharamkan bunga atas uang, di mana hal tersebut disamakan dengan riba. Dalam berbagai pandangan yang dikaji dari sudut pandang Islam teori nilai waktu dari uang bertentangan dengan prinsip ekonomi Islam. Dalam ekonomi Islam, uang bukanlah-modal serta tidak memberikan kegunaan, namun fungsi uang tersebut yang memberikan kegunaan. Dalam Islam memandang time value of money yang populer dengan nilai waktu uang kemudian digantikan dengan konsep economic value of time. Konsep tersebut menunjukkan bukan uang yang memiliki waktu, namun waktulah yang memiliki nilai ekonomis. Maka dalam tulisan ini, penulis akan mencoba menjawab bagaimana konsep nilai waktu dari uang dalam sudut pandang ekonomi Islam?, dengan metode kualitatif dan pendekatan library research didapat bahwa dalam ekomoni Islam tidak mengenal nilai waktu uang atau time value of money namun teori economic value of time lah yang dianggap benar dari pandangan ekonomi Islam. Artinya uang itu sendiri sebenarnya tidak memiliki nilai waktu, namun waktulah yang memiliki nilai ekonomis.
DIGITAL REVOLUTION IN SUPPLY CHAIN FINANCE: OVERCOMING CHALLENGES AND BUILDING INNOVATIVE STRATEGIES Supriadi, Iman; Maghfiroh, Rahma Ulfa; Abadi, Rukhul
Klabat Accounting Review Vol 5 No 1 (2024): Klabat Accounting Review
Publisher : UNKLAB Business School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60090/kar.v5i1.1059.47-62

Abstract

This research aims to analyze the impact of digital technology implementation in Supply Chain Finance, identify challenges in its implementation, and explore development and innovation strategies to optimize the process. This research uses a qualitative approach with literature studies and case studies. Data and information were collected through journals, articles, and reports related to digitalization in Supply Chain Finance. Analysis was conducted through a descriptive approach to understand and interpret the data. The results showed that digitization improves operational efficiency in Supply Chain Finance through process automation and data-driven decision-making. However, there are challenges, including significant initial investments and data security issues. Technologies such as AI, Machine Learning, blockchain, and big data contribute significantly to Supply Chain efficiency and resilience. This research presents insights into the application of digital technologies in Supply Chain Finance, providing insights into the challenges faced and strategies that can be implemented to overcome these challenges. This research contributes to practitioners' and academics' understanding of the potential and limitations of digital technology in the context of supply chain finance. Keywords: Digitalization, Supply Chain Finance, Blockchain, Artificial Intelligence, Big Data Penelitian ini bertujuan untuk menganalisis dampak penerapan teknologi digital dalam Supply Chain Finance, mengidentifikasi tantangan dalam implementasinya, dan mengeksplorasi strategi pengembangan serta inovasi untuk mengoptimalkan proses tersebut. Penelitian ini menggunakan pendekatan kualitatif dengan studi literatur dan studi kasus. Data dan informasi dikumpulkan melalui jurnal, artikel, dan laporan terkait digitalisasi dalam Supply Chain Finance. Analisis dilakukan melalui pendekatan deskriptif untuk memahami dan menginterpretasikan data yang ada. Hasil penelitian menunjukkan bahwa digitalisasi meningkatkan efisiensi operasional dalam Supply Chain Finance melalui otomatisasi proses dan pengambilan keputusan berbasis data. Namun, terdapat tantangan, termasuk investasi awal yang besar dan isu keamanan data. Teknologi seperti AI, Machine Learning, Blockchain, dan big data berkontribusi signifikan dalam efisiensi dan resiliensi Supply Chain. Penelitian ini menyajikan wawasan mengenai penerapan teknologi digital dalam Supply Chain Finance, memberikan pandangan mengenai tantangan yang dihadapi serta strategi yang dapat diterapkan untuk mengatasi tantangan tersebut. Penelitian ini memberikan kontribusi bagi praktisi dan akademisi dalam memahami potensi dan batasan teknologi digital dalam konteks Supply Chain Finance. Kata kunci: Digitalisasi, Supply Chain Finance, Blockchain, Kecerdasan Buatan, Big Data
DECENTRALIZED ISLAMIC FINANCE: HARNESSING BLOCKCHAIN TECHNOLOGY Supriadi, Iman; Maghfiroh, Rahma Ulfa; Abadi, Rukhul
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 12, No 1 (2024): 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.v12i1.23333

Abstract

This study aims to understand how blockchain technology can be used to build a decentralized Islamic financial system. The method used in this research is literature analysis, which is further validated by case studies. The data analysis process was conducted using Systematic Literature Review (SLR) methodology. The main data sources were scientific publications, academic journals, books, and other reputable materials relevant to the research problem.  The results of this study show that Blockchain Technology has the potential to reduce the dangers of corruption, money laundering, and illicit activities in the Islamic financial system. Moreover, the use of blockchain technology in decentralized finance ensures equitable access to participation in the financial ecosystem, thereby promoting the inclusion of minority populations. The challenges in implementing blockchain technology within the context of Islamic banking are also highlighted in this study. The contribution and implementation of this research are expected to offer insights into the potential of blockchain technology in constructing a decentralized Islamic financial system, guiding practitioners and academics toward innovative and sustainable solutions in Islamic finance
INTERNATIONALIZATION OF PASURUAN COFFEE MSMES, ANALYSIS OF UPPSALA THEORY AND ITS APPLICATION Maghfiroh, Rahma Ulfa; Sudarmiatin, Sudarmiatin; Bidin, Rosmiza
International Journal of Economy, Education and Entrepreneurship (IJE3) Vol. 4 No. 1 (2024): International Journal of Economy, Education and Entrepreneurship
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ije3.v4i1.241

Abstract

This study aims to analyze the application of Uppsala Theory to export MSMEs in Indonesia. The main focus of this research is to analyze the relationship between Uppsala Theory and exporting MSMEs in Indonesia. This research is important because MSMEs have a strategic role in the Indonesian economy and exportation is one of the important factors in economic growth in Indonesia. Descriptive qualitative method was used in this research, with a case study analysis on coffee MSMEs in Pasuruan, Indonesia. The results show that the internationalization process explained through Uppsala Theory can be used to explain the internationalization process of coffee MSMEs in Pasuruan. The Uppsala model is also useful in helping coffee MSMEs in Pasuruan improve their business activities in the international market
Analisis Dampak Perjudian Online Pada Pengelolaan Keuangan Pribadi di Kalangan Pemuda Kabupaten Mojokerto Daerah Gebangmalang Fahmi, Mu'izzul; Maghfiroh, Rahma Ulfa
Triwikrama: Jurnal Ilmu Sosial Vol. 5 No. 3 (2024): Triwikrama: Jurnal Ilmu Sosial
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.6578/triwikrama.v5i3.6196

Abstract

Penelitian ini bertujuan untuk menganalisis lebih mendalam terkait dengan dampak dari keterlibatan judi online terhadap pengelolaan keuangan pribadi kalangan pemuda di Kabupaten Mojokerto daerah Gebangmalang. Tempat tersebut dipilih karena daerah tersebut kerap ditemukan keterlibatan pemuda usia produktif dalam praktik judi online. Penelitian ini menggunakan metode kualitatif, dengan menggunakan metode pengumpulan data berupa wawancara dan observasi melalui teknik purposive sampling. Penelitian ini dianalisis menggunakan model interaktif yang terbagi dari beberapa tahap, yaitu seleksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa pemuda yang terlibat dalam praktik judi online dengan kecanduan yang tinggi menggalami kekacauan dalam pengelolaan keuangan pribadinya dan aset yang dimilikinya terjual secara perlahan. This study aims to analyze more deeply the impact of online gambling involvement on personal financial management among youth in the Gebangmalang area of Mojokerto Regency. The place was chosen because the area is often found involvement of productive age youth in the practice of online gambling. This research uses qualitative methods, using data collection methods in the form of interviews and observations through purposive sampling techniques. This research was analyzed using an interactive model which is divided into several stages, namely data selection, data presentation, and conclusion drawing. The results showed that young people involved in online gambling practices with high addiction experienced chaos in managing their personal finances and their assets were sold slowly.
Potential Development of Islamic Fintech in Supporting the Growth of the Halal Industry Iman Supriadi; Maghfiroh, Rahma Ulfa; Abadi, Rukhul
International Journal of Islamic Finance Vol. 1 No. 2 (2023): November 2023
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

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

Abstract

Background: The halal industry and Islamic fintech are two sectors that are growing rapidly. Both have great potential to support the growth of the Islamic economy and finance. However, there is still potential that has yet to be fully utilized in the development of Islamic fintech to support the growth of the halal industry. Objectives: This paper aims to identify the potential development of Islamic fintech in supporting the growth of the halal industry and analyze the implications of such development. Novelty: This study provides a deeper understanding of the potential and implications of the development of Islamic fintech in the context of the halal industry. This study also guides industry players in utilizing Islamic fintech to support the growth of the halal industry and strengthen the literature and knowledge related to the development of Islamic fintech in the context of the halal industry. Research Methodology / Design: This study uses a qualitative research approach by conducting a literature review on the development of Islamic fintech and the halal industry. The data obtained is compiled and analyzed to identify the potential development of Islamic fintech in supporting the growth of the halal industry. Findings: This study reveals several important findings. First, government involvement in regulatory development has supported the growth of Islamic fintech in the halal industry. Second, collaboration between the technology industry and the financial sector has accelerated the progress of Islamic fintech and optimized financial accessibility in the halal industry. Third, the improvement of Islamic financial literacy and education is an important factor in increasing the adoption of Islamic fintech in the halal industry. Lastly, the utilization of appropriate technologies, such as blockchain and artificial intelligence, has boosted the growth of the halal industry through Islamic fintech. Implication: The development of Islamic fintech can make a positive contribution to the growth of the halal industry by providing financial solutions that comply with Sharia principles. This opens up opportunities to increase the competitiveness of the halal industry globally. The implications of this study can also serve as a guide for the government, technology industry, Islamic financial institutions, and halal industry players in optimizing the development of Islamic fintech and increasing financial inclusion in the halal industry.
Integrating Qualitative and Quantitative Methods in Sustainable Finance to Guide Public Policy for Green Investments Supriadi, Iman; Maghfiroh, Rahma Ulfa; Abadi, Rukhul
JAMPE (Journal of Asset Management and Public Economy) Vol. 4 No. 2 (2025)
Publisher : Universitas Ahmad Dahlan, Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jampe.v4i2.11705

Abstract

This study investigates the role of sustainable finance in advancing investments in renewable energy and green technologies while addressing associated challenges and opportunities. The research aims to analyze the impact of sustainable finance strategies on investment flows, identify key barriers to their effective implementation, and propose strategic recommendations to enhance investment in this sector. This study seeks to support the global transition to a greener and more sustainable economy by optimizing policies, funding mechanisms, and financial practices. Using a mixed-methods approach, this study integrates qualitative and quantitative analyses, including literature reviews, causality analyses, and country-specific case studies. Secondary data generated from industry reports, academic publications, and financial databases form the basis of the analysis. Findings from the Sustainable Finance-Investment Interaction Model reveal that sustainable finance significantly enhances renewable energy investments. However, high initial costs, policy uncertainty, and restricted access to finance remain substantial obstacles. Despite these challenges, opportunities driven by technological advancements and increasing global climate awareness provide a strong foundation for growth. This paper presents recommendations for governments, investors, and financial institutions to strengthen the role of sustainable finance in accelerating renewable energy investments. Emphasizing integrating environmental, social, and governance (ESG) factors into financial decision-making, the study highlights the need for supportive policies to address financing barriers. By aligning financial systems with sustainability objectives, this research contributes to the broader discourse on sustainable finance and underscores its transformative potential in driving the global green transition.
Dampak Manajemen Risiko terhadap Kinerja Keuangan Bank Syariah: Analisis Literatur Sistematis Nur Fauzi, Akhmad Habib; Maghfiroh, Rahma Ulfa
Publikasi Riset Mahasiswa Manajemen Vol 7 No 1 (2025): Publikasi Riset Mahasiswa Manajemen
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/prmm.v7i1.13542

Abstract

Penelitian ini bertujuan untuk menganalisis dampak manajemen risiko terhadap kinerja keuangan bank syariah di Indonesia melalui metode Systematic Literature Review (SLR). Latar belakang penelitian ini didasari oleh kompleksitas risiko yang dihadapi perbankan syariah, mulai dari risiko likuiditas, risiko operasional, hingga kepatuhan syariah yang berimplikasi pada stabilitas keuangan. Analisis dilakukan terhadap literatur terpilih yang dipublikasikan pada periode 2021–2025 dengan kriteria inklusi dan eksklusi yang ketat. Hasil penelitian menunjukkan bahwa implementasi manajemen risiko telah berkembang dari pendekatan tradisional menuju model yang lebih terintegrasi, khususnya melalui kerangka Enterprise Risk Management (ERM) yang menggabungkan prinsip syariah dengan standar internasional. Penerapan manajemen risiko terbukti berpengaruh positif terhadap indikator kinerja keuangan seperti Return on Assets (ROA), Return on Equity (ROE), dan Non-Performing Financing (NPF). Strategi mitigasi risiko yang efektif meliputi penerapan tata kelola perusahaan yang baik, pemanfaatan teknologi digital, penguatan sistem kontrol internal, serta peningkatan kapasitas sumber daya manusia. Namun, tantangan signifikan masih dihadapi, antara lain keterbatasan kompetensi SDM, kompleksitas produk keuangan syariah, dan fragmentasi regulasi. Penelitian ini menyimpulkan bahwa efektivitas manajemen risiko dalam perbankan syariah memerlukan pendekatan holistik yang mencakup aspek teknis, kelembagaan, serta regulasi. Implikasi praktis dari penelitian ini adalah pentingnya penguatan harmonisasi regulasi, pengembangan model manajemen risiko yang kontekstual, serta transformasi digital yang berkelanjutan guna meningkatkan ketahanan dan daya saing bank syariah di Indonesia.
Apakah Magang dan Mata Kuliah Kewirausahaan Mempengaruhi Keputusan Berkarir Mahasiswa? Maghfiroh, Rahma Ulfa; Tantriana, Deasy; Hamidah, Kuni Auliya; Damayanti, Yosinta; Laily, Zuhrotul
Jurnal Manajemen dan Inovasi (MANOVA) Vol. 6 No. 1 (2023): Januari
Publisher : Management Department, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/manova.v6i1.1243

Abstract

The main purpose of this research to get to analysis of internship and entrepeneurship course with organizational experience as moderating variables career decisions in management students at the State Islamic University of Sunan Ampel. This data collection from questionnaires conducted by alumni and students of the Management Study Program of the State Islamic University of Sunan Ampel Surabaya in the 2018 batch. Sampling was using a simple random sampling technique with a total sample of 111 respondents. In this case use partial least square analysis with the result from this data analysis showed that internship variable has a positive and significant effect on the career decision variable, entrepeneurship course variable has no influence on the career decision variable, organizational experince variable is not able to moderate the effect of internship variable on career decision variable, and organizational experience variable is not able moderate the effect of entrepreneurship course variable on career decision.
Co-Authors Abadi, Rukhul Bidin, Rosmiza Damayanti, Yosinta Fahmi, Mu'izzul Hamidah, Kuni Auliya Iman Supriadi Laily, Zuhrotul Nur Fauzi, Akhmad Habib Pratikto, Muhammad Iqbal Surya Qanita, Ariza Sudarmiatin Tantriana, Deasy