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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 Journal of Islamic Economics and Business Journal Markcount Finance Sharia Oikonomia Law Journal 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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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.
Monetary Dynamics: Comparative Analysis of the Dual Policies of Malaysia and Indonesia Rahmah, Fitria; Ariyanti, Rini; Handika, Dwi; Parlina, Tika
Journal of Islamic Economics and Business Vol. 5 No. 2 (2025): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v5i2.48830

Abstract

Economic stability is a key indicator of macroeconomic health, directly influenced by the effectiveness of monetary policies implemented by national authorities. This study investigates the monetary dynamics and the impact of dual monetary policies on economic stability in Malaysia and Indonesia. Dual monetary policy involves the simultaneous application of both conventional and sharia-based instruments to achieve macroeconomic objectives such as price stability, economic growth, and inflation control. The study employs Partial Least Squares Structural Equation Modeling (SEM-PLS) with Multi-Group Analysis (MGA) to compare the effectiveness of these policies between the two countries using quarterly data from 2016 to 2024. The results indicate that dual monetary policies significantly influence economic stability in both countries, albeit with different leading instruments. In Indonesia, the Minimum Reserve Requirement (GWM) is the most influential component, while in Malaysia, the Discount Rate holds the most weight. However, no statistically significant differences were found between the two contexts. These findings highlight the strategic importance of integrating conventional and sharia-based instruments to enhance economic resilience in dual financial systems.
Methodological Analysis of the Transformation of Contemporary Fiqh Muamalah Practices at Maahad Vokasional Aman Bistari Selangor Nuraini, Afifah; Fathudin; Ariyanti, Rini
Al-Bayyinah Vol. 9 No. 2 (2025): Al-Bayyinah
Publisher : Faculty of Sharia and Islamic Law Institut Agama Islam Negeri Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-bayyinah.v9i2.10630

Abstract

This study investigates the transformation of contemporary fiqh muamalah practices at Maahad Vokasional Aman Bistari Selangor (MVABS), focusing on the dynamics of ijtihad jamā‘ī and the methodologies of legal reasoning (istinbāṭ al-ḥukm) in addressing challenges arising from modern economic transactions. The research is driven by the need to bridge the epistemological gap between classical Islamic legal thought and the realities of digital finance and global Islamic economics. Adopting a qualitative case study design, data were obtained through in-depth interviews, participant observation, and document analysis, then examined using thematic analysis. The findings reveal a distinctive model of collective ijtihad that integrates maqāṣid al-sharī‘ah principles with the operational mechanisms of contemporary financial systems. This integration has resulted in a contextualized framework of fiqh muamalah that supports the formulation of adaptive legal opinions (fatāwā) aligned with modern socio-economic realities. The study’s novelty lies in demonstrating how a vocational-based pesantren can function as a living laboratory of Islamic law, producing dynamic, applicable jurisprudence while maintaining fidelity to classical traditions. Conceptually, this research contributes to the development of living fiqh theory in Islamic education, and practically, it provides a replicable model for designing responsive Islamic legal and economic governance in the digital era.
Co-Authors Camelia, Atika Nora Christiaan, Pemy Costa, Tiago Deasy Wulandari Fajar Wahyu Prianto Fathudin Fatticia, Rika Handika, Dwi Harjoni Harjoni Husaini Husaini 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 Rahmah, Fitria Riansaputri, Hesti Dwi Riesna Apramilda Robby Reza Zulfikri Roikhan Mochamad Aziz, Roikhan Mochamad Sarif, Akbar Silva, Pedro Sri Suryani Subandono, Agus Sucipto, Bambang Tika Parlina Tyahya Whisnu Hendratni Wahyuningratna, Ratu Nadya