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All Journal EQUILIBRIUM WARTA Jurnal Ekonomi Syariah Teori dan Terapan An-Nisbah: Jurnal Ekonomi Syariah MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam al-Uqud : Journal of Islamic Economics BBM (Buletin Bisnis dan Manajemen) Jurnal Public Policy El-Barka: Journal of Islamic Economics and Business Jurnal Ilmiah Edunomika (JIE) Dialektika: Jurnal Ekonomi dan Ilmu Sosial Management Studies and Entrepreneurship Journal (MSEJ) ASEAN Journal of Community Engagement JES (Jurnal Ekonomi Syariah EKOMABIS: Jurnal Ekonomi Manajemen Bisnis Jurnal Manajemen dan Inovasi (MANOVA) Management of Zakat and Waqf Journal (MAZAWA)) Cakrawala: Jurnal Studi Islam Labatila: Jurnal Ilmu Ekonomi Islam BULETIN BISNIS & MANAJEMEN (BBM) Buletin Abdi Masyarakat (BAM) Jurnal Ilmiah Fokus Ekonomi, Manajemen, Bisnis & Akuntansi (EMBA) EKOBIS SYARIAH Bukhori: Kajian Ekonomi dan Keuangan Islam Warta LPM International Conference on Islamic Economic Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah An-Nisbah: Jurnal Ekonomi Syariah Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Bisnis dan Kewirausahaan JPS (Jurnal Perbankan Syariah)
Andriani Samsuri
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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NON FUNGIBLE TOKEN (NFT) SEBAGAI INSTRUMEN WAKAF DIGITAL: PELUANG DAN TANTANGAN DALAM PENGELOLAAN ASET SYARIAH Ardiansyah, Jefri; Andriani Samsuri; Abu Yasid
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol. 2 No. 3 (2025): Juni : Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBER)
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/zkx88608

Abstract

Waqf is an Islamic economic instrument with significant potential to promote community welfare, yet it continues to face challenges related to transparency, asset certification, and public engagement. The advancement of blockchain technology particularly the use of Non-Fungible Tokens (NFTs) presents an innovative opportunity for the digitalization of waqf, especially as a means of creating unique, transparent, and verifiable asset certifications. This study employs a qualitative approach through a literature review to analyze the potential and challenges of utilizing NFTs within the framework of sharia-compliant digital waqf. The findings indicate that NFTs hold great promise in enhancing efficiency, expanding public participation, and promoting digitally-driven productive waqf models. However, several critical issues remain, including legal uncertainty, the risk of gharar (ambiguity), value volatility, and the lack of supporting infrastructure and digital literacy. This study recommends strengthening regulatory frameworks, developing adaptive fiqh guidelines, and increasing public education to support the implementation of NFTs as a waqf instrument aligned with maqāṣid al-sharī‘ah and capable of delivering broad benefits to the Muslim community.
Peran Fintech Syariah Dalam Mendorong Investasi Berbasis ESG (Environmental, Social, Governance) di Pasar Modal Syariah Digital Putri, Fitriani Wijaya; Samsuri, Andriani
LABATILA : Jurnal Ilmu Ekonomi Islam Vol 9 No 01 (2025)
Publisher : Lembaga Penelitian dan Pengembangan Masyarakat IAINU Kebumen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33507/lab.v9i01.2802

Abstract

Islamic fintech is a financial technology innovation that integrates sharia principles with modern financial services, and now plays a strategic role in encouraging ESG (Environmental, Social, Governance) based investments. As global awareness of the importance of sustainable development increases, Islamic fintech is emerging as an inclusive solution that not only complies with Islamic values, but also supports socially and environmentally responsible economic growth. This study aims to analyse how Islamic fintech implements ESG values, by examining its mechanisms, technological innovations, as well as its impact on environmental, social, and governance. Using a qualitative approach through literature review and secondary data analysis, this study found that Islamic fintech has successfully encouraged sustainable investment through various initiatives, such as Islamic crowdfunding for green projects, sustainability oriented MSME financing, and Green Sukuk issuance. The use of blockchain technology contributes to increased transparency and accountability, while Islamic financial literacy programmes expand people's understanding of the importance of ESG minded investments. In addition, close collaboration with Islamic financial institutions and regulators ensures compliance with sharia principles and ESG standards. The results of this study confirm that Islamic fintech is not only a modern financial instrument, but also a change agent capable of expanding access to sustainable investments and strengthening an inclusive and ethical financial ecosystem.
Is Sharia peer-to-peer lending in Indonesia accountable and transparent? Indrarini, Rachma; Samsuri, Andriani; Syam, Nur; Room Fitrianto, Achmad; Zulfa, Indana
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n1.p33-39

Abstract

Financial technology is developing in Indonesia, especially in peer-to-peer landing. Based on data from the Indonesia Authority of Financial Service (OJK), there are 102 peer-to-peer lending institutions in Indonesia with 8 of them using the Sharia system. Every Sharia-based transaction must ensure its accountability not only to the public but also to God. Accountability can be seen in the financial statements and annual reports were transparent and accountable. This study aims to see the transparency and accountability of peer-to-peer lending in Indonesia. This study used a qualitative phenomenological approach to observe the problem. The results showed that not all peer-to-peer lending sharia in Indonesia is transparent and accountable. Only three out of eight peer-to-peer landings are transparent and accountable.
A Slanted View on the Future of Islamic Fintech and Conventional Fintech in South and Southeast Asian Countries Mansur, Mansur; Samsuri, Andriani; Nurhayati, Nurhayati; Khoyyilah, K
El-Barka Journal of Islamic Economics and Business Vol. 5 No. 2 (2022)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v5i2.5147

Abstract

Introduction/Main Objectives: This study reviews the presence of Fintech in South and Southeast Asian countries through several categories. Background Problems: Many people doubt the presence of Fintech in South Asia and Southeast Asia as part of a developing country with all its limitations, especially Sharia Fintech. Novelty: Developing Sharia Fintech in South Asian and Southeast Asian countries, which have not spread evenly before. Research Methods: Qualitatively using GFD (Global Findex Database) data collected in 2021, which was then elaborated with 115 research studies (50 from Scopus, 24 from Research Gate, 21 from Google Scholars and 20 from other sources). Finding/Results: The presence of Fintech is more likely to develop rapidly in the Southeast Asia region, not so in the South Asian region. The lneeds of each region are different. It is different if developed by Sharia Fintech (I-Fintech/Islamic Financial Technology). Its potential is almost acceptable in all regions, including in countries that are sensitive to religious issues. Conclusion: It is not only Fintech that is the future of cutting-edge banking, but also the presence of I-Fintech (Islamic Financial Technology) which empirically opens up great opportunities and repositions mainstream financial institutions into traditional banking, including Islamic banking. However, the presence of Fintech and I-Fintech still requires the support of local government policies and the wider community, Muslims and non-Muslims in any part of the world.
Persepsi Nasabah Pada Fitur Layanan Top Up E-Wallet BSI Mobile Di Bank Syariah Indonesia Kantor Cabang Pembantu Mojosari Alfarizi, Mohammad Salman; Andriani Samsuri
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 4 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i4.8360

Abstract

Salah satu layanan yang ditawarkan oleh Bank Syariah Indonesia (BSI) melalui BSI Mobile bagi pengguna yang sering menggunakan metode pembayaran non-tunai adalah fitur Top Up E-Wallet, yang memudahkan pengguna untuk mengisi ulang saldo dompet digital mereka. Tujuan penelitian ini adalah untuk mengetahui cara menggunakan fitur layanan Top Up E-Wallet BSI Mobile di BSI KCP Mojosari, memahami manfaatnya, serta mengetahui pendapat pelanggan tentang fitur layanan Top Up E-Wallet BSI Mobile di BSI KCP Mojosari. Pendekatan kualitatif deskriptif digunakan sebagai metodologi penelitian dalam studi ini. Prosedur sampling acak digunakan untuk memilih informan dalam penelitian ini. Metode pengumpulan data meliputi observasi, wawancara, dan dokumentasi. Teknik analisis data meliputi reduksi data, visualisasi data, dan penarikan kesimpulan. Sementara itu, triangulasi digunakan untuk menilai validitas data, yang dapat membantu peneliti menentukan keandalan informasi dari berbagai sumber. Temuan penelitian menunjukkan: Pelanggan BSI KCP Mojosari akan menemukan fitur layanan BSI Mobile E-Wallet Top Up mudah dipahami dan digunakan. Fitur layanan BSI Mobile E-Wallet Top Up sangat disukai oleh pelanggan. Persepsi mempertimbangkan untuk menggunakan fitur layanan ini karena kemudahan penggunaannya dan biaya administrasi yang rendah. Berdasarkan kebutuhan pelanggan, target persepsi dianggap memiliki saldo digital penuh. Ditemukan bahwa kondisi jaringan yang buruk dan gangguan server menjadi penyebab kegagalan transaksi Top Up.
The Role of Islamic Fintech in Sustainable Finance: Inclusion and Digitalization Kamila, Niswa; Samsuri, Andriani
Bukhori: Kajian Ekonomi dan Keuangan Islam Vol. 5 No. 1 (2025): Juli
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/bukhori.v5i1.4637

Abstract

Purpose: This study aims to analyze the effect of arm muscle training on improving chest pass skills in basketball, a fundamental technique essential for effective ball distribution between players. Methodology/Approach: A literature review method was employed by examining 18 scientific sources, including national and international journals and academic books published between 2004 and 2024. Thematic content analysis was used to identify the relationship between arm muscle training and chest pass proficiency. Results/Findings: The findings indicate that arm muscle training such as push-ups, weightlifting, and medicine ball chest pass drills significantly improve the power, accuracy, and distance of passes. These exercises also contribute positively to other basic basketball skills such as dribbling, shooting, and additional passing techniques. Statistical data from multiple studies confirm the effectiveness of such training on technical performance. Conclusions: Arm muscle training plays a vital role in enhancing chest pass effectiveness, particularly through the development of biceps and triceps strength. Therefore, this form of training should be integrated as a core component in structured basketball skill development programs. Limitations: This study is limited to a literature-based analysis without direct experimental validation, suggesting that further empirical research is needed to confirm the findings in real training environments. Contribution: The study offers a systematic and comprehensive synthesis of existing literature, which has not been extensively reviewed in this context, and provides practical guidance for coaches in designing targeted and evidence-based arm muscle training programs.
Model Ketahanan Keuangan Syariah Indrarini, Rachma; Samsuri, Andriani
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 9 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v9i1.5706

Abstract

The COVID-19 pandemic has had an adverse impact on the economy. Many people have lost their jobs but the necessities of life have increased. Society needs a model to make sharia financial resilience. This study aims to formulate a model of Islamic financial resilience, especially for Muslims by looking at three indicators are Islamic financial literacy, Islamic financial planning and Islamic financial inclusion. This research uses quantitative research with multiple linear regression. The result of this research is that Islamic financial literacy has no affect on sharia financial resilience. Islamic financial planning has not affect on sharia financial resilience. Islamic financial inclusion has affects on sharia financial resilience and together Islamic financial literacy, Islamic financial planning and Islamic financial inclusion has affect on sharia financial resilience
Analisis Faktor-Faktor yang Mempengaruhi Retrun On Asset (ROA) dengan Ukuran Perusahaan sebagai Variabel Moderating Hidayah, Fitri Naila; Samsuri, Andriani
EKOBIS SYARIAH Vol. 9 No. 1 (2025): Islamic-Based Economic and Business Development in the Context of Community Emp
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v9i1.29225

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan ijarah, mudharabah, dan rahn terhadap ROA dan menjadikan ukuran perusahaan sebagai variabel moderating secara parsial dan secara simultan. Metode penelitian yang digunakan pada penelitian ini yakni metode kuantitatif dengan menggunakan data sekunder berupa laporan keuangan bulanan KSPPS BMT XXXX periode 2019-2023 dan sampel yang digunakan berjumlah 60 sampel. Adapun teknik analisis data yang digunakan yakni Moderated Regression Analysis (MRA). Hasil penelitian menunjukkan bahwa secara parsial pembiayaan ijarah berpengaruh positif terhadap ROA, sementara pembiayaan mudharabah, dan rahn tidak berpengaruh positif terhadap ROA. Secara simultan, pembiayaan ijarah, mudharabah, dan rahn berpengaruh terhadap ROA. Kemudian terkait peran moderasi ukuran perusahaan menunjukkan bahwa, secara parsial ukuran perusahaan mampu memperkuat pengaruh pembiayaan ijarah terhadap ROA, namun ukuran perusahaan tidak mampu memperkuat pengaruh pembiayaan mudharabah, dan rahn terhadap ROA. Secara simultan ukuran perusahaan mampu memperkuat pengaruh pembiayaan ijarah, mudharabah dan rahn terhadap ROA.
Faktor-Faktor yang Mempengaruhi Customer Loyalty dengan Customer Satisfaction sebagai Variabel Mediasi Alfiyah, Fitri Nurul; Samsuri, Andriani
Jurnal Manajemen dan Inovasi (MANOVA) Vol. 7 No. 2 (2024): July
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.v7i2.1007

Abstract

Penelitian ini bertujuan untuk menjawab pertanyaan yang berkaitan dengan product quality, price, after sales service dan customer satisfaction terhadap customer loyalty pada pengguna smartphone Oppo. Penelitian ini menggunakan metode kuantitatif dengan teknik pengambilan sampel purposive sampling dengan pertimbangan tertentu yakni responden yang pernah melakukan pembelian pada produk smartphone Oppo minimal 2 kali. Data dikumpulkan dengan menyebarkan kuesioner pada 198 responden secara online. Daa yang telah terkumpul di analisis dengan SEM-PLS. Hasil penelitian yang diperoleh menunjukkan bahwa product quality dan after sales service berpengaruh positif dan signifikan terhadap customer satisfaction. Serupa pada konstruk customer satisfaction terhadap customer loyalty yang berpengaruh positif dan signifikan. Sedangkan pada konstruk product quality, price dan after sales service berpengaruh negatif dan tidak signifikan terhadap customer loyalty. Pada konstruk price berpengaruh negatif dan tidak signifikan terhadap customer satisfaction. Pada konstruk product quality dan after sales service berpengaruh positif dan signifikan terhadap customer loyalty yang di mediasi oleh customer satisfaction, sedangkan pada konstruk price berpengaruh negatif dan tidak signifikan terhadap customer loyalty yang di mediasi oleh customer satisfaction. Dengan adanya hasil penelitian tersebut, peneliti selanjutnya diharapkan mengembangkan faktor atau konstruk lain yang dapat mempengaruhi customer loyalty dan customer satisfaction serta menambahkan jumlah responden supaya memperoleh hasil yang lebih baik dari penelitian ini.
The Competitive Advantages of NURI East Java Savings and Loans Cooperatives and Sharia Financing in the Perspective of the Diamond Strategy Nisa', Rifqun; Samsuri, Andriani
International Conference on Islamic Economic (ICIE) Vol. 1 No. 2 (2022): October
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v1i2.199

Abstract

This study aims to determine the application of competitive advantage to the NURI Sharia and Loans and Financing Cooperative (KSPPS NURI JATIM) in the diamond strategy prespective. The research methodology used is qualitative with a descriptive approach. Data collection was carried out by observation, documentation and interview methods. The data sources in this study were the Director of KSPPS NURI JATIM, administrators of KSPPS NURI JATIM, and members of KSPPS NURI JATIM. The research result obtained are KSPPS NURI JATIM’s competitive advantage in terms of marketing management, financial management, information management, and human resource management that have made efforts and are in accordance with ideal conditions. The potential of KSPPS NURI JATIM in the diamond strategy, KSPPS NURI JATIM must continue to improve service quality and expand marketing areas.
Co-Authors Abu Yasid Achmad Room Fitrianto Ahmad Agus Hidayat Ahsan, Muhamad Aidah Kamaliah Al-Kamal, Abdullah Muhammad Aldi Khusmufa Nur Iman Alfarizi, Mohammad Salman Alfiyah, Fitri Nurul Ana Toni Roby Candra Yudha Andri Afianto Anisa Solikhawati ARDIANSYAH, JEFRI AS, Fathor Ayu Rahayu Nurhalizah Bambang Hidayat Betty Silfia Dita Nur Amaliatul Chusniah Eka Nurjannah EKA VIRAWATI Elissa Qathrunnada Erdkhadifa, Rendra Fathor AS Fatimatul Fatmariyah Fatmariyah, Fatimatul Febiola Bunga Asprila Feren Eki P. H Firdayanti Hadiansyah Hanafi Adi Putranto Hidayah, Fitri Naila Imran Arshad Kamila, Niswa Khoyyilah, K Kina, Amilis Lilik Rahmawati Mansur Mansur Masyita Auliyah Muchammad Saifuddin Mufti Afif Muhamad Abrar bin Bahaman Muhammad Widyarta Wijaya Muhammad Yazid Muhammad Yazid Nisa', Rifqun Nisful Lailatul U. Nizar Hosfaikoni Hadi Nur Syam Nurhayati Nurhayati Nurul Fithrotuz Z Putri, Fitriani Wijaya Rachma Indrarini Ramadanti, Firda Gangsar Rifqun Nisa' Room Fitrianto, Achmad Siti Alfia Ayu Rohmayanti Solikhawati, Anisa Syafiratud Daniyas Tantriana, Deasy Ulfa Vadhila VIRAWATI, EKA Wahyu Prihatanti, Vidya zulfa, indana