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Visit Satisfaction And Intention Of Gen Z Muslim Tourists In Jakarata Influenced By Halal Destination Attributes Mahardiyanto, Agus; Wulandari, Deasy; Naqiyya, Nihal Rannan; Ariyanti, Rini
Ekonomi Bisnis Vol 28, No 3 (2023): EKONOMI BISNIS NOVEMBER 2023
Publisher : Departemen Manajemen Fakultas Ekonomi dan Bisnis Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um042v28i3p1-11

Halal is becoming a global phenomenon, market trend and lifestyle. Along with the increasing number of Muslim travellers, interest in halal tourism is also growing. The increasing number of Muslim travellers is a challenge and opportunity to improve Indonesia's tourism industry. The tourism industry itself plays an important role in increasing Indonesia's state revenue. The purpose of the study was to analyse the effect of halal destination attributes on visit satisfaction and intention of gen Z Muslim tourists in Jakarta. The sample in this study were 150 respondents. The method used in this study is path analysis with halal Destination Attributes as the independent variable, visiting satisfaction as the intervening variable, and intention as the dependent variable. Data processing uses t test and sobel test. The test results show that the destination attribute variable shows a significant number. This means that Jakarta is considered a city that has advantages in the ease of information and communication to tourists, services and facilities are also adequate, as well as the environment and comfort as a tourist destination.

The Influence of Fintech on Traditional Financial Management Fatticia, Rika; Harjoni, Harjoni; Christiaan, Pemy; Julyarman, Nasrun; Ariyanti, Rini
Journal Markcount Finance Vol. 2 No. 2 (2024)
Publisher : Yayasan Pendidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jmf.v2i2.1283

For centuries, conventional financial institutions such as banks and cooperatives have played an important role in the economy. However, advances in technology and digitalization have significantly changed the world's financial landscape. Financial Technology (Fintech) has emerged as a disruptive force offering innovative financial solutions, such as automated investment management, peer-to-peer lending, and digital payments. This research aims to discover and analyze the impact of Fintech on conventional financial management. Specifically, this research aims to assess the impact of Fintech on the efficiency and effectiveness of conventional financial services, assess changes in user behavior in managing their finances due to the convenience offered by Fintech, and discover the challenges and opportunities faced by financial institutions. Mixed methods is an approach that combines quantitative and qualitative approaches in this research. Quantitative data is collected through surveys of financial services users to measure their opinions about Fintech services and their impact on personal financial management. The results of this research show that Fintech has changed conventional financial management. From a user perspective, Fintech has increased the ease and efficiency of accessing and managing financial services, and many users say they are more likely to use Fintech apps and platforms for everyday transactions, managing savings and investments. From the side of conventional financial institutions, this research found that Fintech has increased the amount of money they invest. This study found that Fintech is changing conventional financial management in terms of service efficiency and user behavior. While Fintechs offer more convenience and efficiency, they also force traditional financial institutions to adapt and innovate with new technologies.

Implementation Of Sharia Marketing Mix In Tirta Agung Tourism Sukosari Village Bondowoso Regency Subagio, N. Ari; Mahardiyanto, Agus; Riansaputri, Hesti Dwi; Zulfikri, Robby Reza; Ariyanti, Rini
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 8 No. 1 (2024): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v8i1.2793

This research aims to determine and evaluate the implementation of the Sharia marketing mix in Tirta Agung tourism, Sukosari Village, Bondowoso Regency. This type of research uses a descriptive qualitative approach with case studies. Researchers used primary data and secondary data obtained through interviews, observation and documentation. Data analysis techniques use data collection, data reduction, data display and conclusion drawing. Analysis of the validity of the data used is the triangulation technique. The research results concluded that the concept of implementing the tourism marketing mix for Tirta Agung, Sukosari Village, Bondowoso Regency uses sharia principles. By applying indicators to the 9P sharia marketing mix which consists of Product, Price, Place, Promotion, Process, People, and Physical Evidence, Promise, and Patience.

The Innovation of Digital Payment System with QRIS in National Open API and Maqasid al-Sharia Standards Sarif, Akbar; Ariyanti, Rini
International Journal of Applied Business and International Management Vol 9, No 2 (2024): August 2024
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijabim.v9i2.2553

QRIS is a digital payment system innovation standardized as a national QR code in Indonesia. This paper analyzes the National Open API and Maqasid al-Sharia standards within the QRIS digital payment system. Employing a qualitative descriptive methodology, the study determined that Bank Indonesia formulated three National Open API standards: governance guidelines, data standards with technical specifications, and technical and safety standards. Aligned with Maqasid al-Sharia, the analysis reveals a significant correlation between QRIS and its core tenets, specifically Hifz ad-Din (safeguarding religion) and Hifz al-Mal (preserving wealth). Moreover, viewing maqasid as a methodological framework, QRIS is deemed a legal and halal system conforming to maqasid. This topic can be examined from five dimensions: the payment system's alignment with Sharia law, its widespread use among traders (urf tujjar), the contractual adherence (ijab qabul) to Islamic sharia and user benefits, the reflection of service value in QRIS service fees, and mutual advantages for both parties. Regarding maslahah, QRIS falls under dzanni maslahah, necessitating its implementation to be entrusted to contemporary mujtahids for the continued benefit of users.

FINANCIAL PERFORMANCE ANALYSIS OF BANK SYARIAH INDONESIA THROUGH CAMEL APPROACH FROM 2019 - 2021 Sarif, Akbar; Ariyanti, Rini
Journal Of Islamic Ekonomic and Business Vol 2 No 2 (2023): IEB: Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v2i2.19907

The bank's financial performance describes the financial condition in a certain period involving aspects of raising funds and channeling funds as measured by indicators of capital adequacy, liquidity, and bank profitability. The CAMEL method is used as an assessment of the level of performance and soundness of an operating bank to serve as a reference for the smooth operation of the bank. These aspects include Capital (capital adequacy), Asset Quality (asset quality), Management (management), and Earnings (profitability). , and Liquidity (liquidity). In this journal, financial performance will be judged by its financial ratios NPF (Non-Performing Financing), FDR (Financing to Deposit Ratio), ROA (Return on Assets), ROE (Return on Equity), NIM (Net Interest Margin), CAR (Capital Adequacy Ratio). Having a financial performance report is very useful for a company as a basis for determining the company's strategy for the future. Looking at the company's overall performance, can even guide in making decisions.

The Influence of Islamic Economic Law on Sustainable Development in Developing Countries Ariyanti, Rini; Lima, Lucas; Costa, Tiago; Silva, Pedro; Sucipto, Bambang
Sharia Oikonomia Law Journal Vol. 2 No. 3 (2024)
Publisher : Yayasan Pendidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v2i3.1404

In today’s era of globalization, it is important for developing countries to achieve sustainable development. However, sustainable development requires consideration of social, cultural, and environmental perspectives in addition to economic ones. Islamic economic law emerges as an alternative solution amidst this complexity, offering principles that promote a balance between economic growth and social justice. This study aims to comprehensively analyze the impact of Islamic economic law on sustainable development in developing countries. This involves analyzing how the principles of the law are applied in the economic activities of these countries, as well as how they impact aspects of sustainable development such as social stability, poverty alleviation, environmental preservation, and inclusive economic growth. In this study, qualitative methods will be used to investigate the literature and analyze the comparison of developing countries that implement Islamic economic law at various levels. Data will be collected from primary and secondary sources, including financial reports, legal documents, and case studies on the implementation of Islamic economic law in certain countries. Studies show that the implementation of Islamic economic law benefits sustainable development in developing countries. Sustainability, justice, and economic and social balance have been shown to promote inclusive economic growth, improved social welfare, and more sustainable management of natural resources.

Intention to Consume Halal Pharmaceutical Products Influenced by Religiosity and Knowledge through Attitudes in Jember Mahardiyanto, Agus; Subagio, N. Ari; Camelia, Atika Nora; Prianto, Fajar Wahyu; Ariyanti, Rini
JURISMA : Jurnal Riset Bisnis & Manajemen Vol 14 No 2: October 2024
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jurisma.v14i2.13960

The Indonesian government did everything it could to stop the virus from spreading during the COVID-19 pandemic, including distributing vaccines. Regarding the immunization campaign, the City of Jember in East Java Province had a variety of reactions, including uncertainty over the vaccine's efficacy, safety, and halal (permitted to consume according to Islamic law). Refusing the vaccination, which is seen as a medicine, is interpreted as a way of expressing a desire to use halal pharmaceuticals. Through the mindset of the Jember community, this study seeks to examine the substantial impact of religiosity and halal awareness on the desire to use halal pharmaceutical items. Purposive sampling procedures were used to choose 100 respondents from the community of Jember drug users. The Path Analysis using SPSS analysis tool version 23 is the analysis technique employed. The study's findings indicate that views are significantly influenced by religion and halal awareness. Then, the desire to consume was strongly influenced by religion, halal knowledge, and attitude. Halal religiosity and knowledge significantly influenced consumption intentions through attitudes, according to the route test results. Therefore, via the mindset of the Jember community, religion, and halal knowledge have a major impact on the desire to use halal pharmaceutical items.

How Fintech Adoption, Digital Payment Systems, and Consumer Trust Shape Financial Performance of MSMEs Nurchayati, Nurchayati; Ariyanti, Rini; Marianingsih, Ita
International Journal of Business, Law, and Education Vol. 5 No. 2 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i2.895

This study investigates the impact of fintech adoption, digital payment systems, and consumer trust on the financial performance of micro, small, and medium enterprises (MSMEs). Using data from 400 MSMEs, the research employs multiple regression analysis to explore the relationships between these factors. The results reveal that fintech adoption has the strongest positive influence on financial performance, followed by digital payment systems and consumer trust. Additionally, consumer trust moderates the relationship between digital payment systems and financial performance, highlighting the importance of customer confidence in driving business success. These findings emphasize the need for MSMEs to embrace digital financial solutions and build trust with their customers to improve their financial outcomes. The study provides practical implications for MSME owners, policymakers, and industry leaders, encouraging the adoption of fintech and digital payment systems as crucial tools for achieving competitive advantage and financial sustainability.

The Innovation of Digital Payment System with QRIS in National Open API and Maqasid al-Sharia Standards Sarif, Akbar; Ariyanti, Rini
International Journal of Applied Business and International Management Vol 9, No 2 (2024): August 2024
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijabim.v9i2.2553

QRIS is a digital payment system innovation standardized as a national QR code in Indonesia. This paper analyzes the National Open API and Maqasid al-Sharia standards within the QRIS digital payment system. Employing a qualitative descriptive methodology, the study determined that Bank Indonesia formulated three National Open API standards: governance guidelines, data standards with technical specifications, and technical and safety standards. Aligned with Maqasid al-Sharia, the analysis reveals a significant correlation between QRIS and its core tenets, specifically Hifz ad-Din (safeguarding religion) and Hifz al-Mal (preserving wealth). Moreover, viewing maqasid as a methodological framework, QRIS is deemed a legal and halal system conforming to maqasid. This topic can be examined from five dimensions: the payment system's alignment with Sharia law, its widespread use among traders (urf tujjar), the contractual adherence (ijab qabul) to Islamic sharia and user benefits, the reflection of service value in QRIS service fees, and mutual advantages for both parties. Regarding maslahah, QRIS falls under dzanni maslahah, necessitating its implementation to be entrusted to contemporary mujtahids for the continued benefit of users.

Productive Waqf as a Sustainable Financial Instrument in the Perspective of Islamic SDGs Judijanto, Loso; Sarif, Akbar; Ariyanti, Rini
West Science Islamic Studies Vol. 3 No. 02 (2025): West Science Islamic Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsiss.v3i02.1833

This paper explores the concept of productive waqf as a sustainable financial instrument within the framework of Islamic Sustainable Development Goals (Islamic SDGs). The literature review analyzes various scholarly works on productive waqf, focusing on its potential to generate income through investment in income-generating ventures, such as real estate and social enterprises. The review identifies key benefits of productive waqf, including its alignment with poverty alleviation, education, healthcare, economic empowerment, and environmental sustainability. Despite its potential, challenges such as legal barriers, governance issues, and public awareness remain significant obstacles. The paper highlights the need for regulatory reforms, professional management, and public education to unlock the full potential of productive waqf. It concludes that with proper reforms, productive waqf can play a pivotal role in achieving sustainable development goals within the Islamic context.

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