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All Journal WARTA Jurnal Ekonomi Syariah Teori dan Terapan An-Nisbah: Jurnal Ekonomi Syariah MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Jurnal Ilmiah Ekonomi Islam al-Uqud : Journal of Islamic Economics al-Afkar, Journal For Islamic Studies Jurnal Tabarru': Islamic Banking and Finance 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)) Indonesian Journal of Islamic Economics and Business Kompleksitas: Jurnal Ilmiah Manajemen, Organisasi, dan Bisnis 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 Equilibrium: Jurnal Ekonomi Syariah Majapahit Journal of Islamic Finance dan Management International Conference on Islamic Economic Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Majapahit Journal of Islamic Finance dan Management International Journal of Islamic Economics (IJIE) An-Nisbah: Jurnal Ekonomi Syariah Anjasmoro: Islamic Interdisciplinary Journal Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Bisnis dan Kewirausahaan JPS (Jurnal Perbankan Syariah) Jurnal Ekonomi, Manajemen, Akuntansi Journal of Islamic Economics MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Proceeding of The International Conference on Economics, Accounting, and Taxation
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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A Rural Community’s Livelihood Dynamic in the maintenance of a Mangrove Area as a Tourist Destination Fitrianto, Achmad Room; Samsuri, Andriani
ASEAN Journal of Community Engagement Vol. 5, No. 1
Publisher : UI Scholars Hub

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

Abstract

This study identifies the problems faced by the residents of Banyuurip village and their adaptation efforts in preserving their mangrove areas. This paper aims to portray the community behavior dynamic in conserving the environment in line with the growth of pop culture in the social media era. Three components will be examined: first, the way people behave toward their environment; second, the economic pressure and the resources maximizing process, and the last component being the environmental issues that are framed in local political ecology. This paper uses the following five phases identified by the Sustainable Livelihood Framework (SLF): identifying vulnerabilities in the community, mapping the livelihood assets of the community, observing the transformation of structures and processes, identifying strategies implemented by the community, and formulating solutions. The SLF approach is useful for removing traditional barriers and is able to evaluate and modify the approach taken to follow the latest trends in society, by enriching the information gathered through this participation. This paper’s findings maintain that the mangrove conservation area in Banyuurip Village reassures the community of its potential use as conservation land and an alternative source of livelihood. However, the manpower required to conserve the mangrove consists mainly of senior residents and is partially supported by the younger generation. Conserving mangroves requires a lot of funds and is an arduous process. It requires support from several parties, such as local companies, mining companies, universities, government agencies, and others.
PERAN PERBANKAN SYARIAH DALAM MENDORONG PERTUMBUHAN EKONOMI UMKM BERBASIS GREEN ECONOMY: SYSTEMATIC LITERATURE REVIEW (SLR) Wahyu Prihatanti, Vidya; Ahsan, Muhamad; Samsuri, Andriani
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 4 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i4.18433

Abstract

Penelitian ini bertujuan menganalisis implementasi konsep green economy sektor UMKM serta peran green banking dalam mendukung pertumbuhan ekonomi berkelanjutan berbasis prinsip syariah. Metode penelitian menggunakan pendekatan Systematic Literature Review (SLR) dengan mengkaji berbagai sumber ilmiah dari jurnal dan artikel terkait Hasil kajian menunjukkan bahwa UMKM, dengan memanfaatkan bahan baku daur ulang, berkontribusi signifikan terhadap pengurangan limbah dan emisi karbon, sekaligus mendukung prinsip ekonomi sirkular yang sejalan dengan nilai-nilai maqashid syariah. Dukungan pembiayaan dari green banking, seperti yang dilakukan oleh Perbankan Syariah, memperkuat implementasi green economy melalui penyediaan akses modal berbasis prinsip keberlanjutan. Meskipun menghadapi tantangan seperti keterbatasan teknologi ramah lingkungan dan literasi keuangan, peluang untuk pengembangan UMKM tetap terbuka luas dengan meningkatnya kesadaran pasar dan dukungan kebijakan hijau. Integrasi Perbankan syariah dengan green economy pada sektor UMKM menjadi kunci dalam mendorong pertumbuhan ekonomi yang lebih inklusif, berdaya saing, dan berkelanjutan sesuai nilai-nilai Islam.
Persepsi Nasabah Pada Fitur Layanan Top Up E-Wallet BSI Mobile Di Bank Syariah Indonesia Kantor Cabang Pembantu Mojosari Mohammad Salman Alfarizi; 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.
Determinants Of Customer Engagement (Ce) In Islamic Banks: Faktor-Faktor Penentu Keterlibatan Pelanggan (CE) di Bank Syariah Alimatul Farida; Andriani Samsuri; Anshori
Journal of Islamic Economics Vol. 1 No. 1 (2024): January-June
Publisher : Sekolah Tinggi Agama Islam Al-Muntahy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65663/commercio.v1i1.271

Abstract

Islamic banking as an institution engaged in service, must be able to cover customer needs and maintain customer relationship patterns because it is necessary to compete with conventional banks. The purpose of this article study is to determine the determinants of Customer Engagement in Islamic banks and to determine the relevance of Customer Engagement to customer loyalty in Islamic banks. The research method used in this article study uses the Systematic Literature Review (SLR) method, namely collecting previous research articles as secondary data by searching for literature collections from database sites www.scholar.google.com, https://www.scopus.com, and https://openknowledgemaps.org/ using the keywords customer engagement and customer engagement with Islamic banking. The articles collected are articles published in 2017 - 2022. The results of this article study state that the determining factors of Customer Engagement (CE) in Islamic banks are customer satisfaction, customer commitment, religious factors, Customer Relationship, partnership and brotherhood in Islam between customers and Islamic banks to achieve goals, service quality and excellence. And Customer Engagement (CE) is relevant in mediating the loyalty of Islamic bank customers.
Adopsi Financial Technology oleh Bank Syariah Indonesia (BSI) dalam Meningkatkan Inklusi Keuangan Syariah di Era Digital Masyita Auliyah; Andriani Samsuri
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i6.8042

Abstract

The development of financial technology (fintech) has brought about a significant transformation in the global financial industry, including in Indonesia. Bank Syariah Indonesia (BSI) as one of the largest Islamic banks in Indonesia, has adopted fintech to increase Islamic financial inclusion in the digital era. This study aims to analyze how the adoption of fintech by BSI can expand access to Islamic financial services, especially for people in remote areas and MSMEs. The research method used is qualitative descriptive by collecting secondary data from scientific journals, books, and so on. The results of the study show that digital innovations such as BSI Mobile, BSI QRIS, and collaboration with fintech platforms have succeeded in increasing the accessibility of Islamic financial services. BSI's digital transactions reached 97.94%, with ZISWAF transactions through BSI Mobile growing 31% in September 2024. The adoption of fintech by BSI not only increases operational efficiency, but also strengthens Islamic financial literacy and empowers MSMEs and rural communities. Thus, BSI has created an inclusive, accessible, and Islamic financial ecosystem.
Integration of Artificial Intelligence and Blockchain: A Study on the Implementation of Technology for Gharar and Maysir Detection in Islamic Fintech Platforms Yahya Fuad; Andriani Samsuri; Ubaid Aisyul Hana
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 4: Mei 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i4.16097

Abstract

This study investigates the integration of Artificial Intelligence (AI) and blockchain technology in sharia risk management on Islamic fintech platforms, with a focus on the detection of gharar (excessive uncertainty) and mitigation of maysir (speculation). Employing an exploratory qualitative approach and a multi-source case study design, the research combines systematic literature review and operational document analysis of Islamic fintech platforms. Two technological simulations were conducted: a Random Forest-based model for detecting gharar in peer-to-peer lending transactions and the implementation of Ethereum-based smart contracts to mitigate maysir in mudharabah contracts. The findings demonstrate that the Random Forest model accurately identifies contract uncertainty, while smart contracts enhance transparency, accountability, and fairness in profit-loss distribution. Compliance analysis using the OECD AI Governance, AAOIFI, and ISFIRE frameworks confirms that the integration of AI and blockchain strengthens transaction security, traceability, and sharia compliance. However, successful implementation requires ongoing validation by sharia scholars, continuous system maintenance, and a comprehensive regulatory framework. This research contributes to the development of an efficient, fair, and sharia-compliant fintech ecosystem and offers a technological framework for global adoption by Islamic financial institutions.
Cryptocurrency; Financial Risk And Shariah-Compliant Alternative Concept Iman, Aldi Khusmufa Nur; Samsuri, Andriani
EQUILIBRIUM Vol 10, No 1 (2022): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v10i1.13278

Abstract

Some countries consider cryptocurrencies as an avenue for money laundering and other illegal activities, especially Muslim countries, many of which prohibit the use of cryptocurrencies and even prohibit them. This study aims to identify the specific risks of cryptocurrency investment and to understand the sharia-compliant concept to open opportunities for the Islamic economy in the future. The data collection technique used is literature study by collecting data from previous studies in the form of documenting articles, journals or books as well as publication data from other parties. The data analysis techniques used were data reduction, data presentation, and drawing conclusions. The results show that although cryptocurrencies promise some strengths, in terms of investment there is a risk. Some cryptocurrencies have indeed been developed to address the issue of cryptocurrency non-compliance with Sharia law. Like OneGram, one of the cryptocurrencies that can be classified according to sharia. The alternative concept of sharia cryptocurrency has the potential to build Islamic economic products and have a positive effect on the global economy, especially in the context of welcoming a modern Islamic economic order that is conducive to all circles and the realization of a better future for the Islamic economic community
THE ISLAMIC COMPOUNDING MECHANISMS FOR SUSTAINABLE DEVELOPMENT GOALS AND GREEN FINANCIAL INNOVATION Ahmad Azim Aufaq; Andriani Samsuri
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.904

Abstract

This study examines the compatibility of compounding theory with Islamic investment principles in promoting business sustainability, green transition, and the achievement of the Sustainable Development Goals (SDGs). Using a qualitative-descriptive method and normative legal analysis, it finds that an Islamic Compounding Mechanism (ICM) based on the Base Profit Rate (BPR) can support exponential wealth accumulation without violating core shariah principles, provided it is structured through permissible contracts such as murabaha, musharaka, and mudharaba. The study further highlights that this mechanism can align profit growth with sustainable business practices and environmentally responsible investment. It thus proposes ICM as a practical framework for integrating shariah compliance, ethical wealth creation, and sustainability objectives in contemporary Islamic finance.
Beyond Religiosity: Unpacking the Drivers of Cash Waqf Decisions in Indonesia Ahmad Agus Hidayat; Andriani Samsuri; Mustofa Mustofa; Nurhayati Nurhayati; Muhammad Rizki Ashari
Jurnal Internasional Ekonomi Islam Vol 8 No 01 (2026): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v8i01.13237

Abstract

Objective: This study investigates the determinants of cash waqf decisions among Muslim donors (wakif) in Surabaya, Indonesia, by examining the roles of waqf literacy, income, institutional trust, and altruistic attitudes. Furthermore, it assesses whether religiosity strengthens the relationship between these factors and cash waqf decisions. Method: A quantitative research design was employed using a survey of 350 cash waqf donors in Surabaya. Data were analysed using Structural Equation Modelling–Partial Least Squares (SEM-PLS) to evaluate both direct and moderating effects among the proposed variables. Result: The findings reveal that waqf literacy and institutional trust have a positive and significant influence on cash waqf decisions. In contrast, income and altruistic attitudes do not significantly affect the decision to participate in cash waqf. The results also indicate that religiosity does not moderate the relationships between waqf literacy, income, institutional trust, altruistic attitudes, and cash waqf decisions. Implication: The study highlights the importance of strengthening waqf literacy programs and improving institutional professionalism, transparency, and accountability to enhance public participation in cash waqf. Waqf institutions should prioritise trust-building mechanisms rather than relying solely on religious appeals in fundraising strategies. Originality or Novelty: This study extends the application of the Theory of Planned Behaviour (TPB) to Islamic social finance by examining actual cash waqf decisions rather than behavioural intentions. It also contributes to the literature by testing religiosity as a moderating variable and providing empirical evidence from Surabaya, a newly designated waqf city in Indonesia.
THE ISLAMIC COMPOUNDING MECHANISMS FOR SUSTAINABLE DEVELOPMENT GOALS AND GREEN FINANCIAL INNOVATION Ahmad Azim Aufaq; Andriani Samsuri
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.904

Abstract

This study examines the compatibility of compounding theory with Islamic investment principles in promoting business sustainability, green transition, and the achievement of the Sustainable Development Goals (SDGs). Using a qualitative-descriptive method and normative legal analysis, it finds that an Islamic Compounding Mechanism (ICM) based on the Base Profit Rate (BPR) can support exponential wealth accumulation without violating core shariah principles, provided it is structured through permissible contracts such as murabaha, musharaka, and mudharaba. The study further highlights that this mechanism can align profit growth with sustainable business practices and environmentally responsible investment. It thus proposes ICM as a practical framework for integrating shariah compliance, ethical wealth creation, and sustainability objectives in contemporary Islamic finance.
Co-Authors Abu Yasid Achmad Room Fitrianto Agus Hidayat, Ahmad Ahmad Agus Hidayat Ahmad Azim Aufaq Ahsan, Muhamad Aidah Kamaliah Aisyul Hana, Ubaid Aldi Khusmufa Nur Iman Alfiyah, Fitri Nurul Amilis Kina Ana Toni Roby Candra Yudha Andri Afianto Anisa Solikhawati Anshori ARDIANSYAH, JEFRI AS, Fathor Auwalu Shuaibu Muhammd Ayu Rahayu Nurhalizah Bambang Hidayat Betty Silfia Devira Al Azroh Dita Nur Amaliatul Chusniah Eka Nurjannah EKA VIRAWATI Elissa Qathrunnada Farida, Alimatul Fathor AS Fatimatul Fatmariyah Fatmariyah, Fatimatul Febiola Bunga Asprila Feren Eki P. H Firdayanti Hadiansyah Hanafi Adi Putranto Hidayah, Fitri Naila Imam Buchori Kamila, Niswa Khoyyilah, K Lilik Rahmawati Marrisa Andinarianti Masyita Auliyah Moh. Bustanul Farihin Ma'aliy Mohammad Salman Alfarizi Muchammad Saifuddin Mufti Afif Muhammad Rizki Ashari Muhammad Yazid Muhammad Yazid Mustofa Mustofa Nisa', Rifqun Nisful Lailatul U. Nur Syam Nur Umamah Nurhayati Nurhayati Nurhayati Nurul Fithrotuz Z Putra, Grand Colin Amdhana Priin Putri, Fitriani Wijaya Rachma Indrarini Ramadanti, Firda Gangsar Rendra Erdkhadifa Rifqun Nisa' Room Fitrianto, Achmad Samsul Muarif Siti Alfia Ayu Rohmayanti Solikhawati, Anisa Syafiratud Daniyas Tantriana, Deasy Ulfa Vadhila VIRAWATI, EKA Wahyu Prihatanti, Vidya Yahya Fuad Yayuk Nailis Syarifatus Sa’diyah zulfa, indana