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All Journal Journal of Islamic Accounting and Finance Research Jurnal Fokus Manajemen Bisnis Hakamain: Journal of Sharia and Law Studies Academica: Journal of Multidisciplinary Studies
Vela Retna Widyastuti
Universitas Islam Negeri Raden Mas Said Surakarta
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS AKAD-AKAD DALAM FINTECH P2P LENDING SYARIAH DI INDONESIA Gilang Arvianto; Marlon Boderingan Cortez; Vela Retna Widyastuti; Zulan Ilmada
Academica: Journal of Multidisciplinary Studies Vol. 5 No. 1 (2021): January - June 2021
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/academica.v5i1.4116

Abstract

The purpose of this study is to explain and analyze Islamic Fintech P2P Lending contracts in Indonesia. This research method is using a qualitative approach. Data collection techniques using literature study. The data validity technique of this research uses data triangulation techniques. The results of this study are an explanation and analysis of the contracts used in Islamic Fintech P2P Lending in Indonesia. The conclusion of this study is the advantages and disadvantages of Islamic Fintech P2P Lending contracts. This research provides a solution related to the shortcomings that exist in Islamic Fintech P2P Lending contracts. The implications of this research can be used as knowledge for the wider community who want to use Sharia Fintech P2P Lending.Keyword: Sharia Fintech; Sharia Fintech Contracts; Sharia Financing
Lecturers as Workers? Legal Justice in Performance Allowances and Academic Welfare in Indonesian Universities Rizal Maula; Dhanni Azier Nanda Dwi Jendra; Vela Retna Widyastuti
Hakamain: Journal of Sharia and Law Studies Vol. 4 No. 2 (2025): HAKAMAIN: Journal of Sharia and Law Studies
Publisher : Yayasan Lembaga Studi Makwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57255/hakamain.v4i2.1636

Abstract

This study examines whether the government's failure to disburse performance allowances to lecturers in Indonesian public universities violates principles of legal justice and undermines the academic welfare rights of lecturers as professional workers. Using normative legal research, the study employs statutory, conceptual, and case approaches by analyzing Law No. 20 of 2023 on Civil Servants, Minister of Administrative and Bureaucratic Reform Regulation No. 6 of 2022, and documented statements from affected lecturers and government officials reported in credible media outlets. The findings reveal three issues. First, the government's failure to allocate budgets and issue the required Presidential Regulation violated the principle of legality and created structural discrimination between ministries. Second, despite lecturers fulfilling BKD and SKP performance requirements, the state failed to implement the mandated pay-for-performance system, contrary to merit system principles under the Civil Servants Law. Third, this negligence constituted unlawful government conduct (onrechtmatige overheidsdaad) and maladministration under Law No. 37 of 2008, thereby opening legal remedies through administrative and civil proceedings. The study concludes that lecturers should be recognized as workers entitled to equitable remuneration, legal certainty, and protection of their economic rights. Academically, this research contributes to administrative justice scholarship by integrating labour rights and higher education governance perspectives to explain state accountability in lecturer remuneration policies and academic welfare protection.
Bridging digital innovation, parasocial interaction, and loyalty through fan satisfaction: Insights from K-Pop fandom Arif Muanas; Ika Yoga; Vela Retna Widyastuti
Jurnal Fokus Manajemen Bisnis Vol. 15 No. 2 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/fokus.v15i2.14179

Abstract

The global spread of K-pop demonstrates how digital innovation and emotional connections transform fandom culture. This study examines the influence of Metaverse-based digital innovation and parasocial interaction on fan loyalty, with fan satisfaction as a mediating variable. Using a survey of 200 K-pop fans with prior Metaverse experience and analyzing the data through PLS-SEM, the results indicate that digital innovation significantly enhances both satisfaction and loyalty, while parasocial interaction contributes to satisfaction but does not directly generate loyalty. Furthermore, satisfaction emerges as a critical bridge that transforms immersive experiences and emotional bonds into sustainable loyalty. These findings extend the application of uses and gratifications theory, experience economy theory, and the theory of planned behavior in the digital fandom context. Practically, they highlight the importance of designing immersive and satisfying digital strategies to maintain long-term relationships between idols and fans.
Building trust among muslim donors on Islamic social finance crowdfunding platforms: the role of financial disclosure and social presence Frank Aligarh; Didik Prasetyanto; Bayu Sindhu Raharja; Anissa Hakim Purwantini; Vela Retna Widyastuti
Journal of Islamic Accounting and Finance Research Vol. 8 No. 1 (2026)
Publisher : Universitas Islam Negeri Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiafr.2026.8.1.31548

Abstract

Purpose - This study aims to address this gap by integrating the Stimulus-Organism-Response (SOR) framework to examine the determinants of the intention to donate on crowdfunding platforms, with a particular focus on financial disclosure and social presence. Method - This research employed both online and direct face-to-face survey methods for data collection. A total of 282 respondents from various regions across Indonesia were successfully obtained for data analysis. To predict the model, Structural Equation Modeling-Partial Least Squares (SEM-PLS) was employed to evaluate both the inner and outer models. Result - The research findings indicate that stimulus factors, such as financial disclosure, can serve as key predictors of trust and reputation. Meanwhile, social presence also positively influences trust, empathy, and reputation. Organizational factors, including trust, empathy, and reputation, have been shown to motivate individuals to donate through crowdfunding platforms. As a result, all the proposed hypotheses are supported. Implication - The study highlights the need for crowdfunding platforms to continuously improve financial transparency to sustain trust and reputation, while also encouraging traditional philanthropic organizations to adopt technology that enhances transparency and accountability. Originality - This study offers novelty by introducing financial disclosure as a key stimulus in the Stimulus–Organism–Response (SOR) framework to explain donation intention on crowdfunding platforms. It also extends prior research by demonstrating how financial transparency and social presence simultaneously shape donors’ trust, empathy, and perceived platform reputation in the context of donation-based crowdfunding in Indonesia.
Co-Authors Anissa Hakim Purwantini Arif Muanas Arvianto, Gilang Bayu Sindhu Raharja Cortez, Marlon Boderingan Dhanni Azier Nanda Dwi Jendra Didik Prasetyanto Frank Aligarh Gilang Arvianto Ika Yoga Ilmada, Zulan Marlon Boderingan Cortez Rizal Maula Zulan Ilmada