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All Journal Aplikasia: Jurnal Aplikasi Ilmu-Ilmu Agama Al-Mashrof: Islamic Banking and Finance Media Riset Akuntansi Auditing & Informasi
Muhfiatun
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Religion Humanities Economics, Econometrics & Finance Social Sciences Other

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VIDEO PROFIL SEBAGAI SARANA PROMOSI MEMAJUKAN WISATA ALAM KALIBIRU DAN PENINGKATAN EKONOMI MASYARAKAT Rahayu Dwi Saputri; Muhfiatun; Lailatis Syarifah
Aplikasia: Jurnal Aplikasi Ilmu-ilmu Agama Vol. 21 No. 2 (2021)
Publisher : UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/aplikasia.v21i2.2385

Abstract

Kali Biru is a natural tourism in an incised hilly area with the background of the Sermo Reservoir. In Kali Biru, tourists will have an interesting experience and be able to take pictures in instagramable photo spots, for example bicycle spots, hang gliding spots, flying fox, and high ropes. For reaching Kali Biru, people can use a tourist jeep via Sermo and Clereng Reservoir routes. However, tourism rebranding efforts on social media are still lacking. Although various attempts have been made. The purpose of designing this media is to create and design a company profile that can provide data, information and products offered by Padukuhan Kali Biru in an effective, clear and attractive manner. In addition, it can increase the brand image and hopefully in turn it can attract the target market, namely new tourists, both local and foreign tourists, to the Kali Biru Nature Tourism offered. Data collection was carried out through documentation in the photos and videos in the field, which was also supported by data from the internet. This product is an interactive video with a modern design style concept, consisting of some menu pages based on the content requirements.
LINKAGES SHARIAH GOVERNANCE AND ISLAMIC BANKS PERFORMANCE: EVIDENCE FROM GULF COOPERATION COUNCIL (GCC) COUNTRIES Prasojo; Muhfiatun; Listiyorini, Inon; Utami, Ristianawati Dwi
Media Riset Akuntansi, Auditing & Informasi Vol. 24 No. 1 (2024): April
Publisher : LEMBAGA PENERBIT FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS TRISAKTI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/mraai.v24i1.18060

Abstract

The shariah governance system is crucial for Islamic banks (IB) because of the unique structure that is different from conventional banks. Good governance has an impact on stable performance. The shariah supervisory board (SSB) presence will convince stakeholders that IBs are running their business according to shariah principles. The focus of this research is the results of empirical studies in GCC countries. The research data was obtained from the bankscope database and manual collective from 2010-2018. This study uses a panel data model with a random effect method. Empirical results show that SSB size has a negative correlation with performance. SSB expertise and board size have a positive correlation with performance. Furthermore, SSB with doctoral qualifications and independent boards are not correlated with performance
Determinant of MSMEs Financial Management Behavior in Yogyakarta City Khairi, Afiq; Muhfiatun
Al-Mashrof: Islamic Banking and Finance Vol. 6 No. 1 (2025): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ekr3em22

Abstract

This study aims to determine whether locus of control, Islamic financial literacy, and demographic factors affect financial management behavior in MSMEs aimed at MSMEs registered at the Yogyakarta city cooperative and SME industry office, and as many as 140 MSME players were used as objects in this study. This study uses primary data by distributing questionnaires offline and online to MSME and SME actors. The hypothesis proposed was statistically tested using Multiple Linear Regression Analysis techniques, while the software used SPSS 27 and Microsoft Excel. The results showed that the variables of locus of control and Sharia financial literacy had a significant positive effect on financial management behavior in Yogyakarta city MSMEs, while the demographic factor variable had no effect on financial management behavior in Yogyakarta city MSMEs. Keywords: MSMEs, locus of control, Sharia Financial Literacy, Demographic Factors
Determinants of Micro, Small, and Medium Enterprise (MSME) Financing Distribution by Indonesian Sharia Commercial Banks for the Period 2019-2023 Wijayanti, Arista; Muhfiatun
Al-Mashrof: Islamic Banking and Finance Vol. 6 No. 2 (2025): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/gkkw9r62

Abstract

This study aims to analyze the influence of bank size, Return on Assets (ROA), and Third Party Funds (TPF) on financing disbursement to MSMEs, with economic growth as a moderating variable. The study sample consisted of 10 Islamic Commercial Banks registered with the Financial Services Authority (OJK) during 2019-2023. Data analysis used e-views software using a panel data regression model using the Fixed Effect Model (FEM). The results show that bank size has a significant positive effect on MSME financing disbursement, while ROA and TPF have a significant negative effect. Economic growth can moderate the relationship between bank size and MSME financing, weakening its impact on MSME financing disbursement. Furthermore, economic growth can moderate and strengthen the relationship between ROA and TPF on MSME financing disbursement.   Keywords: MSME Financing, bank size, Return on Assets (ROA), Third Party Funds (TPF), economic growth
Behavioral Economics and Islamic Financial Consumer Protection in ASEAN: A Conceptual Framework Muhfiatun
Al-Mashrof: Islamic Banking and Finance Vol. 7 No. 1 (2026): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/taxd1p51

Abstract

Islamic financial consumers increasingly encounter complex contracts, digital interfaces, personalized marketing, and cross-channel fraud risks. Conventional consumer protection, which relies mainly on disclosure and formal compliance, may be ineffective when decisions are shaped by bounded rationality, limited attention, present bias, overconfidence, framing, and social influence. This study develops an integrative conceptual framework for consumer protection in selected ASEAN jurisdictions, focusing on Indonesia, Malaysia, Singapore, and Brunei Darussalam. A structured integrative review synthesizes peer-reviewed literature, international standards, and current regulatory documents concerning behavioral economics, Islamic finance, digital finance, and market conduct. The analysis identifies four complementary protection mechanisms: regulatory protection, behavioral protection, digital protection, and Sharia governance. These mechanisms are proposed to strengthen consumer capability and produce calibrated institutional, technological, and Sharia trust. The framework further links calibrated trust to decision quality, reduced exposure to mis-selling and fraud, effective redress, consumer welfare, and responsible financial inclusion. The study contributes by explicitly incorporating behavioral and digital vulnerabilities into Islamic financial consumer protection and by formulating seven propositions for future empirical testing. Policy implications include plain-language disclosure, suitability-by-design, dark-pattern and sludge audits, secure complaint channels, and verifiable Sharia assurance. Keywords: behavioral economics; consumer protection; Islamic finance; digital finance; ASEAN
Co-Authors Khairi, Afiq Lailatis Syarifah Listiyorini, Inon Prasojo Rahayu Dwi Saputri Ristianawati Dwi Utami, Ristianawati Dwi Wijayanti, Arista