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All Journal Ekonomi Bisnis JURISMA: Jurnal Riset Bisnis & Manajemen International Journal of Business, Law, and Education Wadiah : Jurnal Perbankan Syariah International Journal of Applied Business and International Management West Science Social and Humanities Studies Al-Bayyinah Jurnal Pengabdian Masyarakat dan Riset Pendidikan West Science Islamic Studies JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan IEB: Journal of Islamic Economics and Business
Ariyanti, Rini
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Public Health Social Sciences Other

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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

Abstract

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.
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

Abstract

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

Abstract

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

Abstract

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.
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

Abstract

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

Abstract

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.
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

Abstract

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.
Peran Kompetensi Sdm, Adopsi Teknologi dan Kolaborasi Dalam Organisasi : Upaya Penguatan UMKM Indonesia: Penelitian Harahap, Muhammad Ade Kurnia; Apramilda, Riesna; Wahyuningratna, Ratu Nadya; Husaini, Husaini; Ariyanti, Rini; Hendratni, Tyahya Whisnu
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 3 No. 4 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 3 Nomor 4 (April 2025
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v3i4.1382

Abstract

Transformasi UMKM menuju entitas yang lebih modern, inovatif, dan kompetitif tidak bisa ditunda lagi. Penguatan ini harus dilakukan secara menyeluruh dan sistematis, meliputi pengembangan kompetensi sumber daya manusia, pemanfaatan teknologi digital, serta peningkatan jaringan kerja sama dan kolaborasi antar pelaku usaha. Menyadari pentingnya penguatan UMKM bagi pertumbuhan ekonomi nasional dan juga tentunya bagi penyerapan tenaga kerja, yang kemudian dapat berdampak positif pada ketahanan nasional dan penciptaan lapangan pekerjaan, sehingga diadakan seminar nasional pengabdian kepada masyarakat yang akan secara komprehensif membahas upaya meningkatkan kinerja UMKM melalui kompetensi sumber daya manusia, adopsi teknologi dan kolaborasi. Kesimpulan dari kegiatan pengabdian ini adalah bahwa penguatan UMKM dinilai sangat perlu, karena UMKM merupakan tulang punggung perekonomian nasional. UMKM juga berkontribusi bagi pertumbuhan ekonomi nasional dan menyediakan lapangan kerja bagi masyarakat Indonesia, oleh karenanya upaya untuk memperkuat kompetensi sumber daya manusia, seperti pelatihan dan sertifikasi, serta literasi teknologi dan dukungan modal dari pemerintah dalam proses adopsi dan implementasi teknologi guna meningkatkan produktvitas UMKM adalah sangat diperlukan.
Analysis of the Impact of Mobile Banking Technology, Fintech, and Digital Transaction Security on Customer Loyalty at BUMN Banks in Indonesia Judijanto, Loso; Ariyanti, Rini; Suryani, Sri
West Science Social and Humanities Studies Vol. 2 No. 08 (2024): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v2i08.1183

Abstract

This study investigates the impact of mobile banking technology, fintech innovations, and digital transaction security on customer loyalty at state-owned banks in Indonesia. Utilizing a quantitative approach, data were collected from 300 respondents through a structured questionnaire with a Likert scale ranging from 1 (Strongly Disagree) to 5 (Strongly Agree). The data were analyzed using SPSS version 25, employing descriptive statistics, reliability analysis, exploratory factor analysis, correlation analysis, and multiple regression analysis. The results revealed that all three independent variables—mobile banking technology, fintech innovations, and digital transaction security—positively and significantly influence customer loyalty. Mobile banking technology had a correlation coefficient of 0.62, fintech innovations 0.57, and digital transaction security 0.68 with customer loyalty. The regression analysis showed that these factors collectively explained 38% of the variance in customer loyalty, with digital transaction security having the strongest impact. The findings underscore the importance of enhancing technological capabilities and security measures to foster customer loyalty in state-owned banks. The study provides valuable insights for banking institutions seeking to improve customer satisfaction and retention through advanced technological solutions and robust security protocols.
Understanding Consumer Behavior In Murabahah Financing Choices: The Role Of Knowledge Ariyanti, Rini; Aziz, Roikhan Mochamad; Nurrokhim, Isma; Maghfiroh , Fachrial Lailatul; Subandono, Agus
WADIAH Vol. 9 No. 1 (2025): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v9i1.1844

Abstract

This study aims to understand consumer behavior in choosing murabahah financing at BMT Beringharjo Nganjuk Branch, focusing on the role of consumer knowledge as the main factor influencing decision-making. This study uses a quantitative method with a simple linear regression analysis technique. Data were collected through questionnaires for 66 respondents who are BMT customers. The results of the study indicate that consumer knowledge has a significant influence on murabahah financing decision-making, with a correlation coefficient of 0.796 (strong relationship) and an R² value of 63.4%. This indicates that 63.4% of the variability in consumer decisions can be explained by their level of knowledge, while 36.6% is influenced by other factors. Education through family and friends is the main source of information (60.6%), while electronic media and brochures are less effective. In conclusion, increasing consumer knowledge, especially through product education, can encourage more informed decisions and strengthen trust in sharia financing. This study is relevant in formulating marketing and education strategies to improve consumer understanding and BMT competitiveness in the sharia financial sector.
Co-Authors Camelia, Atika Nora Christiaan, Pemy Costa, Tiago Deasy Wulandari Fajar Wahyu Prianto Fathudin Fatticia, Rika Harjoni Harjoni Judijanto, Loso Julyarman, Nasrun Lima, Lucas Maghfiroh , Fachrial Lailatul Mahardiyanto, Agus Marianingsih, Ita Muhammad Ade Kurnia Harahap N. Ari Subagio Naqiyya, Nihal Rannan Nuraini, Afifah Nurchayati Nurchayati Nurrokhim, Isma Riansaputri, Hesti Dwi Riesna Apramilda Robby Reza Zulfikri Roikhan Mochamad Aziz, Roikhan Mochamad Sarif, Akbar Silva, Pedro Subandono, Agus Sucipto, Bambang Tyahya Whisnu Hendratni Wahyuningratna, Ratu Nadya