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All Journal Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Shirkah: Journal of Economics and Business JURNAL EKONOMI SAKTI (JES) JBMR: Journal of Business and Management Review Jurnal Iqtisaduna Jurnal Ekonomika Dan Bisnis Wadiah : Jurnal Perbankan Syariah Relevance: Journal of Management and Business Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA) Jurnal Maps (Manajemen Perbankan Syariah) Manajemen : Jurnal Ekonomi Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Studi Islam dan Sosial BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Widyaningsih, Meilana
UIN Raden Mas Said Surakarta
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Kompensasi, Lingkungan Kerja dan Motivasi Kerja terhadap Kinerja Karyawan PT BPRS Sukowati Sragen Arviyanti, Della; Widyaningsih, Meilana
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 8 No. 2 (2025)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v8i2.1303

Abstract

This study to determine the influence of compensation, work environment and work motivation on the performance of employees of PT BPRS Sukowati Sragen. The method used for this research is a quantitative method with saturated sampling. The number of population and sampel in this study is 90 employees of PT BPRS Sukowati Sragen. Primary data for this study was collected by distributing quetionnaires to all employees of PT BPRS Sukowati Sragen. The data processing of this study uses SPSS 23.0. The result of this study are: 1) Compentation has a significant positive effect on the performance of PT BPRS Sukowati Sragen employees with a sig. < 0,05 (0,000 < 0,05) ; 2) The work environment has a significant positive effect on the performance of PT BPRS Sukowati Sragen employees with a sig. < 0,05 (0,001< 0,05) ; 3) Work motivation has a significant positive effect on employee performance with the calculation of sig.< 0,05 (0,038 < 0,05). Meanwhile, based on the result of the F test, the three variables have a simultaneous effect with F calculation (23,475) > F table (2,71) on the performance of PT BPRS Sukowati Sragen employees.
Analisis Pengaruh Islamic Branding, Kualitas Layanan Digital Dan Kualitas Produk Terhadap Minat Menabung Di Bank Syariah Indonesia (Studi Kasus Masyarakat Solo Raya) Destiani Kusuma Widyawaty; Meilana Widyaningsih
Manajemen: Jurnal Ekonomi USI Vol 6 No 1 (2024): Manajemen : Jurnal Ekonomi
Publisher : Fakultas Ekonomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/mec1sz93

Abstract

Penelitian ini mempunyai tujuan guna mengetahui apakah islamic branding, kualitas layanan digital serta kualitas produk mempunyai pengaruh terhadap minat menabung di Bank Syariah Indonesia. Jenis penelitian ini ialah yang sifatnya kuantitatif dengan memanfaatkan data primer. Data tersebut didapatkan melalui kuisioner yang disebar serta diambil memakai teknik simple random sampling dan mendapatkan sebanyak 110 responden. Untuk pengolahan datanya menggunakan IBM SPSS 25. Penelitian ini memakai metode analisis data yakni uji koefisien determinan (R2), uji regresi linear berganda, uji secara simultan (uji F-statistik), uji secara parsial (uji T-test), uji validitas dan uji realibitas. Dilihat dari hasil uji masing - masing variabel, bisa dibuat kesimpulan bahwasanya memiliki pengaruh yang signifikan dan positif. Dimana, yaitu pertama variabel islamic branding yang memiliki nilai sig sebesar 0,000 < 0,05 dan thitung 1,98260 > ttabel 4,116 artinya variabel islamic branding memiliki pengaruh positif dan signifikan terhadap minat menabung. Kedua, variabel kualitas layanan digital yang memiliki nilai sig sebesar 0,021 < 0,05 dan nilai thitung 1,98260 > ttabel 2,346 artinya variabel kualitas layanan digital mempiliki pengaruh positif dan signifikan terhadap minat menabung. Ketiga, variabel kualitas produk yang memiliki nilai sig sebesar 0,042 <0,05 dan nilai thitung 1,98260 > ttabel 2,045 artinya variabel kualitas produk memiliki pengaruh positif dan signifikan terhadap minat menabung
Pengaruh Service Excellent, Keamanan, Dan Kecepatan Pelayanan Terhadap Keputusan Nasabah Muslim Menggunakan Jasa Pegadaian CP Kartasura Lestari , Nuri; Widyaningsih, Meilana
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 4 No. 5 (2024): September - Oktober
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v4i5.2024

Abstract

This research aims to determine and analyze Excellent Service, Security, and Speed ​​of Service on Muslim Customers' Decisions to Use Pegadaian CP Kartasura services. This research uses a quantitative approach method using the SPSS 25 application by distributing questionnaires during the research period. This research uses the population of Pegadaian CP Kartasura customers by taking a sample of 120 customers who are Muslim. The research methods used are Instrument Test, Classical Assumption Test, Multiple Linear Regression Test, Model Determination Test, and Hypothesis Test. The research results show that Service Excellent has a positive and significant effect on the decision of Muslim customers to use CP Kartasura pawnshop services, Security has a positive and significant effect on the decision of Muslim customers to use CP Kartasura pawnshop services, and Service Speed ​​has a positive and significant effect on the decision of Muslim customers to use CP pawnshop services. Kartasura.
Assessing the Health Level of Islamic Commercial Banks for the Period 2018-2022: RGEC Analysis Dewi, Riza Kartika; Widyaningsih, Meilana
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 16, No 1 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/amwal.v16i1.15863

Abstract

 Public perception of the stability and reliability of a bank is strongly influenced by various indicators of bank health, which in turn will affect their decision to choose the bank. This study aims to analyze the health level of Islamic Commercial Banks in Indonesia during 2018-2022 with the RGEC approach. The research method uses quantitative descriptive techniques on secondary data from financial statements and GCG reports from Islamic Commercial Banks between 2018 and 2022. The findings of this study reveal that overall the Islamic Commercial Bank is at PK-3 with a fairly good predicate. The risk profile component was evaluated, as measured by the NPF and FDR ratios obtained PK-2 with a healthy predicate. The Good Corporate Governance (GCG) component, evaluated through self-assessment analysis obtained PK-2 with a healthy predicate. In the earnings aspect, which is measured through the return on assets (ROA) ratio, obtaining PK-3 is quite healthy. However, the Operating Cost-Operating Income (BOPO) ratio is categorized as unhealthy with PK-5. Meanwhile, the assessment of the capital component received PK-1 with a very healthy predicate.Keywords: Bank health level, RGEC, Islamic Commercial Bank
Analisis Pengaruh Bauran Pemasaran Terhadap Minat Menabung Di Bank Syariah Pada Masyarakat Muslim Surakarta Wulaningsih, Elistiya Cahya; Widyaningsih, Meilana
WADIAH Vol. 9 No. 1 (2025): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v9i1.1804

Abstract

Pengaruh bauran pemasaran untuk meningkatkan minat menabung pada bank syariah. Pada saat ini perbankan syariah mengalami perkembangan dan kemajuan yang pesat namun dalam memperoleh nasabah perbankan syariah masih kalah dengan perbankan konvensional, mengingat hal utama masyarakat indonesia yang beragama muslim lebih dominan. Teknik pengumpulan data dilakukan dengan penyebaran kuisioner secara langsung dan melakukan wawancara kepada masyarakat yang berada di Surakarta, penyebaran dilakukan di lima kecamatan berikut : Pasar Kliwon, Jebres, Laweyan, Banjar sari, dan Serengan. Jumlah sampel yang diperoleh dari penyebaran kuisioner adalah 100 responden, dalam penelitian ini digunakan perangkat lunak SPSS untuk mengolah data dan menganalisis data menggunakan analisis linier berganda. Hasil uji T terdapat faktor yang mempengaruhi minat menabung yaitu faktor produk, harga, promosi, dan juga bukti fisik, sedangkan tempat, proses, orang, tidak berpengaruh signifikan terhadap minat menabung. Uji F menghasilkan hasil bahwa produk, harga, promosi, tempat, proses, orang, dan bukti fisik secara simultan berpengaruh signifikan terhadap minat menabung di bank syariah.
Anteseden Penerimaan Paylater di Kalangan Konsumen Muslim di Surakarta: Pendekatan UTAUT 3 Widyaningsih, Meilana; Saputri, Nur Handayani; Hasyim, Fuad
Lisyabab : Jurnal Studi Islam dan Sosial Vol 5 No 1 (2024): Lisyabab, Jurnal Studi Islam dan Sosial
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Sekolah Tinggi Agama Islam Mulia Astuti (STAIMAS) Wonogiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58326/jurnallisyabab.v5i1.237

Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi penggunaan Paylater pada konsumen muslim di Surakarta. Kerangka teori yang digunakan adalah Unified Theory of Acceptance and Use of Technology (UTAUT). Populasi terdiri dari individu-individu yang bertempat tinggal di Karisidenan Surakarta. Sampel penelitian berjumlah 179 responden yang dipilih menggunakan teknik quota sampling dan disebar melalui kuesioner dengan metode random sampling. Analisis data dilakukan dengan menggunakan Structural Equation Modeling Partial Least Square (SEM-PLS). Hasil penelitian menunjukkan bahwa seluruh variabel mempunyai pengaruh positif dan signifikan baik langsung maupun tidak langsung terhadap perilaku penggunaan, kecuali variabel ekspektasi kinerja. Ekspektasi kinerja tidak menunjukkan pengaruh langsung atau tidak langsung terhadap perilaku penggunaan. Hal ini disebabkan meskipun berbagai kemudahan yang ditawarkan oleh Shopee Paylater, konsumen yang tidak bijaksana secara finansial bisa saja terjebak dalam pembelian impulsif.
The Influence of Marketing Mix on Customer Decisions in BSI KCP Wonogiri Steviana Lesti Arvianti; Meilana Widyaningsih
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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

Abstract

This study aims to analyze the influence of the marketing mix (7Ps), which includes product, price, place, promotion, people, physical evidence, and process, on the decision to become a customer at Bank Syariah Indonesia (BSI) KCP Wonogiri. This research uses a quantitative approach with a descriptive method. The population consists of BSI KCP Wonogiri customers, with a sample of 145 respondents selected through a probability sampling technique. Data were collected using questionnaires and analyzed through validity, reliability, classical assumption tests, multiple linear regression, t-test, F-test, and coefficient of determination (R²) using SPSS software. The results show that simultaneously, the marketing mix variables significantly influence the decision to become a customer. Partially, the variables of price, place, and process have a significant effect, while product, promotion, people, and physical evidence do not. These findings suggest that affordable pricing, convenient location access, and efficient service processes are the main factors influencing customers’ decisions to join BSI KCP Wonogiri
Faith, Ecology, and Frugality: Unpacking Muslim Consumers’ Motivations Toward Fashion Thrifting Widyaningsih, Meilana; Priyanka, Felyna; Bibi, Safia
Relevance: Journal of Management and Business Vol. 8 No. 2 (2025): December
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/relevance.v8i2.12717

Abstract

This study unpacks the intertwined motivations of faith, ecological consciousness, and frugality that shape fashion thrifting behavior among Muslim consumers in urban Indonesia. Anchored in Self-Determination Theory (SDT) and the Theory of Planned Behavior (TPB), the research constructs a model that traces how intrinsic motivations (religiosity and environmental awareness) and extrinsic motivation (frugality) inform attitude, subjective norms, perceived behavioral control, and actual thrifting behavior. Differing from previous fragmented approaches, this model’s originality lies in its holistic integration of spiritual and economic drivers within a single structural framework to explain value-laden consumption. Using a cross-sectional survey and SEM-PLS analysis on 194 respondents, the study reveals that attitude serves as the central conduit for these motivations. Frugality emerges as the most consistent direct predictor, while religiosity and ecological awareness exert nuanced indirect influences. Multi-group analysis highlights gender as a significant moderator, whereas generational differences are less pronounced. Practically, these findings suggest that thrift industries should adopt gender-specific marketing that aligns with Islamic ethical values, while policymakers can leverage these spiritual-ecological links to promote sustainable consumption in emerging markets.
Studi Literatur: E-Money sebagai Instrumen Kuantitatif dalam Kebijakan Moneter di Indonesia Widyaningsih, Meilana
Lisyabab : Jurnal Studi Islam dan Sosial Vol 6 No 2 (2025): Lisyabab, Jurnal Studi Islam dan Sosial
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Sekolah Tinggi Agama Islam Mulia Astuti (STAIMAS) Wonogiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58326/jurnallisyabab.v6i2.412

Abstract

This study aims to examine the application of electronic money (e-money) as a quantitative instrument in monetary policy in Indonesia through a qualitative approach based on literature review. In the digitalization era, the transformation of the payment system has developed rapidly, altering consumption patterns and the structure of the national financial system. This study utilizes various secondary literature sources to evaluate how e-money impacts financial inclusion, consumer behavior, the national payment system, and monetary stability. The findings indicate that e-money holds significant potential in supporting the effectiveness of monetary policy, particularly in expanding the monetary base and contributing to inflation control. However, its effectiveness as a quantitative instrument depends on supervision, regulation, and synergy between monetary authorities and digital financial industry players.
Pengaruh Faktor Makroekonomi Terhadap Dana Pihak Ketiga dan Market Share pada Bank Umum Syariah di Indonesia Tahun 2020-2024 Fasikha, Ikha; Widyaningsih, Meilana
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.10718

Abstract

This research investigates the impact of broad economic factors, specifically inflation, interest rates, and currency exchange rates, on Third Party Funds (DPK) and the market presence of Islamic commercial banks in Indonesia from 2020 to 2024. Even though Islamic banks do not operate on an interest-based model, macroeconomic variables such as inflationary trends, primary interest rates, and fluctuations in exchange rates can still influence customer savings behavior and the ability of Islamic banks to grow their market share. This study utilizes a quantitative methodology involving multiple linear regression analysis. The secondary data used in this analysis were sourced from official reports provided by Bank Indonesia, the Financial Services Authority, and Statistics Indonesia. The research results reveal that inflation does not have a noticeable effect on Third Party Funds; however, interest rates and exchange rates significantly impact these funds. On the other hand, inflation plays a key role in market share dynamics, while interest rates and exchange rates show no significant effect on the market share of Islamic commercial banks. These findings offer crucial insights for regulators and professionals in the Islamic banking sector to formulate strategies aimed at enhancing fund mobilization and ensuring the stability of fund accumulation, especially amidst economic fluctuations. In addition, Islamic banks should be urged to create more adaptable funding strategies to respond effectively to global economic changes.
Co-Authors Ajeng Karunia Ramadhani Anggita Andini Saputri Arviyanti, Della Ayu Sekar Pratiwi Bibi, Safia Destiani Kusuma Widyawaty Destiani Kusuma Widyawaty Dewi, Riza Kartika Fasikha, Ikha Hasyim, Fuad Kusuma Widyawaty, Destiani Lestari , Nuri Mufti Arief Arfiansyah Novia Mayasari Nuri Lestari Pasya, Andhira Juanita Priyanka, Felyna Rahmadhani, Annisa Safira Indita Saputri, Nur Handayani Steviana Lesti Arvianti Suci Rachma Dani Wulaningsih, Elistiya Cahya