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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ilmiah Mahasiswa Ekonomi Manajemen Jurnal Akuntansi dan Pajak Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Journal of Economic, Bussines and Accounting (COSTING) EkBis: Jurnal Ekonomi dan Bisnis International Journal of Economics, Business and Accounting Research (IJEBAR) El-Usrah: Jurnal Hukum Keluarga Revitalisasi : Jurnal Ilmu Manajemen Revenue: Jurnal Manajemen Bisnis Islam JES (Jurnal Ekonomi Syariah Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Jurnal Terapan Manajemen dan Bisnis Al-Mashrof: Islamic Banking and Finance Indonesian Journal of Islamic Economics and Business Jurnal Kolaboratif Sains Indonesian Journal of Innovation Studies Golden Ratio of Social Science and Education Journal of Economics Research and Policy Studies Economic Reviews Journal Lead Journal of Economy and Administration Journal of Artificial Intelligence and Digital Business Indonesian Research Journal on Education Paradoks : Jurnal Ilmu Ekonomi Jurnal bintang manajemen Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Research Horizon Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Scientica: Jurnal Ilmiah Sains dan Teknologi Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Ilmiah Ekonomi dan Manajemen IIJSE Jurnal Media Akademik (JMA) Jurnal Ar Ro'is Mandalika (Armada) Jurnal Intelek Insan Cendikia Global Leadership Organizational Research in Management J-CEKI Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory Journal of Islamic Economics and Finance Journal of Islamic Finance and Economic Studies
Okta Supriyaningsih
Universitas Islam Negeri Raden Intan Lampung
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The Role of Financial Technology (Fintech) in ZIS Management to Overcome Poverty Zuliansyah, A.; Pratomo, Dimas; Supriyaningsih, Okta
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 1 (2022): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i1.1794

Abstract

Indonesia's zakāh‎ potential is large enough to overcome poverty, but the Indonesian population living below the poverty line is still quite high, reaching 25.95 million people. These data indicate that the large potential of zakāh‎ has not contributed enough to poverty alleviation in Indonesia. To increase zakāh‎ collection, the Zakāh‎ Management Organization (OPZ) innovates by using fintech in its management. The study aims to see how the role of fintech in managing ZIS is to contribute to poverty alleviation in Indonesia. The method used is a qualitative method by analyzing data and facts obtained from the object under study namely; BAZNAS Central Jakarta and BAZNAS Prov. DIY 2020 descriptively and in detail. The results of the study indicate that fintech has played a significant role in increasing zakāh‎ collection over the last five years. It can be seen from the growth of zakāh‎ distribution from 2015 to 2019 experienced a significant increase, reaching an average of 40.93%.
Pengaruh Nilai Tukar, Inflasi Dan Pendapatan Nasional Terhadap Ekspor Non Migas Indonesia Tahun 2018-2022 Dalam Perspektif Ekonomi Islam Riski, Muhamad; Supriyaningsih, Okta
Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory Vol. 2 No. 3 (2024): The articles in this volume explore various legal and social topics, including
Publisher : Sharia Journal and Education Center Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ijijel.v2i3.661

Abstract

Abstract Indonesia's non-oil and gas wealth has extraordinary potential if it is utilized properly for domestic and foreign needs. However, on the other hand, there are several problems where the value of Indonesia's non-oil and gas exports in the 2018-2022 period experienced ups and downs. This research is a type of quantitative research using multiple linear regression analysis methods. The data used is secondary data in the form of time series data over a period of 5 (five) years, namely 2018-2022. Based on the test results in the t test, it shows that the exchange rate and inflation each have no significant effect on non-oil and gas exports, while the national income variable partially has an effect on non-oil and gas exports. In the F test, the results showed that the exchange rate, inflation and national income simultaneously and significantly influenced non-oil and gas exports. According to the Islamic view, the currency exchange rate is part of buying and selling which is legally permissible. In Islam, the term inflation is not known because the currency used is the dinar and dirham. In order to improve the welfare of the people, they must be able to provide a way to measure economic welfare and social welfare based on Islamic moral and social system. Keyword: Non-oil and gas exports, Exchange rate, Inflation, National income Abstrak Kekayaan non migas di Indonesia menjadi potensi yang luar biasa bila di manfaatkan dengan baik untuk kebutuhan dalam negeri sendiri maupun luar negeri. Namun disisi lain terdapat beberapa masalah dimana nilai ekspor non migas Indonesia dalam periode 2018-2022 mengalami naik turun. Penelitian ini merupakan jenis penelitian Kuantitatif dengan menggunakan metode analisis regresi linier berganda. Data yang digunakan merupakan data sekunder berupa data time series dalam kurun waktu 5 (lima) tahun yakni 2018-2022. Berdasarkan hasil pengujian pada uji t menunjukkan bahwa nilai tukar dan inflasi masing-masing secara parsial tidak berpengaruh signifikan terhadap ekspor non migas, sedangkan variabel pendapatan nasional secara parsial berpengaruh terhadap ekspor non migas. Pada uji F didapatkan hasil bahwa nilai tukar, inflasi dan pendapatan nasional secara simultan berpengaruh dan signifikan terhadap ekspor non migas. Menurut pandangan islam nilai tukar uang merupakan bagian dari jual beli yang hukumnya mubah atau boleh, dalam islam tidak dikenal istilah inflasi karena mata uang yang dipakai adalah dinar dan dirham, dalam meningkatkan kesejahteraan umat harus mampu menyediakan suatu cara untuk mengukur kesejahteraan ekonomi dan kesejahteraan sosial berdasarkan sistem moral dan sosial islam. Kata Kunci: Ekspor non migas, Nilai tukar, Inflasi, Pendapatan nasional
Pengaruh Social Media Marketing terhadap Ekuitas Merek dengan Moderasi Pengalaman Merek Cahya, Abiyu Iman Nur; Supriyaningsih, Okta
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3145

Abstract

Perkembangan teknologi digital yang pesat telah mendorong Usaha Mikro, Kecil, dan Menengah (UMKM) untuk memanfaatkan media sosial sebagai sarana utama dalam kegiatan pemasaran, guna membangun dan memperkuat ekuitas merek di tengah persaingan bisnis yang semakin ketat. Media sosial tidak hanya berfungsi sebagai alat promosi, tetapi juga menjadi ruang interaksi yang membentuk persepsi dan pengalaman konsumen terhadap suatu merek. Namun demikian, masih terdapat tantangan bagi pelaku UMKM dalam mengoptimalkan pengaruh Social Media Marketing, terutama dalam mempertimbangkan pengalaman merek konsumen yang menjadi faktor penting dalam menciptakan loyalitas dan citra positif. Dalam konteks Etika Bisnis Islam, praktik pemasaran yang diterapkan perlu berlandaskan nilai-nilai kejujuran, keadilan, amanah, serta tanggung jawab sosial agar tidak hanya berorientasi pada keuntungan, tetapi juga keberkahan dan keberlanjutan usaha. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner kepada 100 konsumen Otsky di Bandar Lampung, dan dianalisis menggunakan Structural Equation Modeling (SEM) berbasis Partial Least Square (PLS) melalui SmartPLS 4. Hasil penelitian menunjukkan bahwa Social Media Marketing berpengaruh positif dan signifikan terhadap ekuitas merek (original sample 0,384; T-statistik 2,848; P-value 0,004), serta pengalaman merek memoderasi hubungan tersebut secara signifikan (original sample 0,087; T-statistik 2,042; P-value 0,041). Nilai R-square sebesar 0,855 menunjukkan bahwa 85,5% variasi ekuitas merek dapat dijelaskan oleh Social Media Marketing dan pengalaman merek, sedangkan sisanya dipengaruhi faktor lain di luar model penelitian ini.
PENGARUH KEPERCAYAAN, KEPATUHAN SYARIAH, DAN NILAI ETIKA BISNIS ISLAM TERHADAP KEPUASAN KONSUMEN MAKANAN HALAL BERSERTIFIKAT MUI Yusnita Sarnanda; Yulistia Devi; Okta Supriyaningsih
Jurnal Media Akademik (JMA) Vol. 4 No. 1 (2026): JURNAL MEDIA AKADEMIK Edisi Januari
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/s3dek490

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kepercayaan konsumen, kepatuhan syariah, dan nilai etika bisnis Islam terhadap kepuasan konsumen makanan halal bersertifikat MUI pada UMKM di wilayah Antasari, Kota Bandar Lampung. Penelitian ini dilatar belakangi oleh meningkatnya kesadaran konsumen Muslim terhadap pentingnya produk halal yang tidak hanya memenuhi aspek kehalalan, tetapi juga menjunjung tinggi nilai amanah, kejujuran, dan etika bisnis Islam. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui penyebaran kuesioner. Sampel penelitian berjumlah 100 responden yang dipilih menggunakan teknik purposive sampling. Data dianalisis menggunakan regresi linier berganda dengan bantuan program SPSS. Hasil penelitian menunjukkan bahwa kepercayaan konsumen, kepatuhan syariah, dan nilai etika bisnis Islam berpengaruh positif dan signifikan terhadap kepuasan konsumen, baik secara parsial maupun simultan. Dalam perspektif ekonomi Islam, kepercayaan dan kepuasan konsumen mencerminkan penerapan prinsip amanah, keadilan, dan kemaslahatan dalam kegiatan muamalah. Kesimpulan penelitian ini menunjukkan bahwa penerapan nilai-nilai Islam dalam kegiatan bisnis, khususnya kepercayaan, kepatuhan terhadap prinsip syariah, dan etika bisnis Islam, memiliki peranan penting dalam meningkatkan kepuasan konsumen pada UMKM makanan halal bersertifikat MUI. Oleh karena itu, pelaku UMKM diharapkan dapat menjaga konsistensi penerapan prinsip-prinsip syariah dan etika bisnis Islam guna memperkuat kepercayaan serta kepuasan konsumen secara berkelanjutan.
Pengaruh Struktur TArif Air Terhadap Permintaan Konsumen PDAM Way Rilau Dalam Perspektif Ekonomi Islam Muzakky, Fata Nafis; Madnasir; Supriyaningsih, Okta
Indonesian Journal of Islamic Economics and Business Vol. 10 No. 2 (2025): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v10i2.3676

Abstract

This study examines the influence of water tariff structures on consumer demand for PDAM Way Rilau in Kemiling District, Bandar Lampung, within the perspective of Islamic economics. The research aims to analyze how progressive tariff schemes affect consumer behavior and evaluate their compliance with Islamic principles of justice (al-‘adl), welfare (maslahah), and the prohibition of harm (la dharar wa la dhirar). A qualitative descriptive method was employed, supported by surveys, interviews, observations, and documentation involving household and commercial consumers. Findings reveal that progressive block tariffs significantly shape consumption patterns: low-income households tend to restrict usage within the first block, while middle- and high-income consumers display greater tolerance to tariff increases. However, the application of a minimum charge raises concerns of fairness. The study concludes that while tariff structures partially reflect Islamic values through cross-subsidization, improvements in transparency and equity are necessary. The novelty lies in integrating Islamic economic principles into local water pricing policy evaluation.
Pre-Retirement Product Marketing Strategy to Attract Public Interest : Case Study of Bank Syariah Indonesia KCP Lampung Barat Supriyaningsih, Okta; Fitri, Nadhila
Lead Journal of Economy and Administration Vol 4 No 2 (2025): Lead Journal of Economy and Administration (LEJEA)
Publisher : International Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/lejea.v4i2.401

Abstract

This study aims to analyze the marketing strategy of pre-retirement products implemented by Bank Syariah Indonesia KCP Lampung Barat to attract public interest. The research method used was a case study with a qualitative approach. Data were collected through in-depth interviews with the bank and potential customers, as well as through documentation. The results indicate that the implemented marketing strategy includes market segmentation, targeting productive age groups with awareness of future investment, and positioning as a safe and profitable Sharia financial solution for retirement preparation. The marketing mix implemented includes competitive products, affordable prices, promotions through social media and outreach activities, and strategic placement. This study also identifies factors influencing public interest in pre-retirement products, such as level of trust in Sharia banks, understanding of Sharia investments, and the need for future financial planning. This research provides practical implications for Bank Syariah Indonesia KCP Lampung Barat in improving the effectiveness of its pre-retirement product marketing strategy.
Digital Marketing Strategies for Enhancing Sales and Empowering MSMEs: A Sharia Economic Perspective Supriyaningsih, Okta; Hasimi, Diah Mukminatul; Bramtheo, Fernandes Tesar
EkBis: Jurnal Ekonomi dan Bisnis Vol. 9 No. 2 (2025): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2025.9.2.2776

Abstract

In the digital era, information technology has fundamentally changed the marketing patterns of SMEs. Conventional marketing has transformed into digital marketing, enabling real-time global transactions. Although SMEs play a strategic role in the national economy (absorbing labor and increasing community income), digital market penetration among SMEs remains low; for example, only around 19% of SMEs actively utilized digital marketing in 2022. This study used a descriptive qualitative approach based on a literature review. The findings indicate that digital marketing strategies that integrate Islamic economic principles (such as fairness, transparency, and halal certification) can increase sales and empower SMEs. For example, strategic actions such as improving product quality according to SNI standards, attractive packaging, utilizing marketplaces and social media, developing digital brands, and implementing halal labels have provcen effective. Furthermore, attention must be paid to Sharia ethics in online marketing to avoid practices such as ghabn (excessive mark-ups), fraud, or data security risks. The synergy between digitalization and Sharia principles can ultimately create sustainable, ethical, and highly competitive SMEs.
Pengaruh Harga, Kualitas Pelayanan dan Kepuasan Pengguna Terhadap Loyalitas Pelanggan dalam Perspektif Manajemen Bisnis Syariah: Studi Pada Loin Sport Kota Bandar Lampung Okta Supriyaningsih; Ulama Putra Loin
Journal of Islamic Economics and Finance Vol. 2 No. 1 (2026): Journal of Islamic Economics and Finance
Publisher : Athallah Publishing Globalindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64845/al-mudayanah.v2i1.146

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh harga, kualitas pelayanan, dan kepuasan pengguna terhadap loyalitas pelanggan Loin Sport di Kota Bandar Lampung dalam perspektif manajemen bisnis Syariah. Metode penelitian menggunakan pendekatan kuantitatif dengan teknik survei. Sampel penelitian berjumlah 156 responden yang dipilih melalui purposive sampling dengan kriteria pernah membeli produk Loin Sport dalam enam bulan terakhir. Data dikumpulkan menggunakan kuesioner skala Likert lima poin dan dianalisis dengan Partial Least Squares-Structural Equation Modeling (PLS- SEM) menggunakan bootstrap 5.000 resamples. Hasil analisis menunjukkan bahwa harga (β = 0,347; p < 0,05), kualitas pelayanan (β = 0,361; p < 0,05), dan kepuasan pengguna (β = 0,282; p < 0,05) berpengaruh positif dan signifikan terhadap loyalitas pelanggan, dengan nilai R² sebesar 0,839. Hal ini membuktikan bahwa 83,9% variansi loyalitas pelanggan dapat dijelaskan oleh ketiga variabel independen. Temuan ini menegaskan bahwa penerapan prinsip keadilan (‘adl), kejujuran (ṣidq), dan amanah dalam strategi harga, pelayanan, serta peningkatan kepuasan konsumen tidak hanya memperkuat loyalitas pelanggan, tetapi juga menciptakan nilai etis sesuai dengan manajemen bisnis Syariah.
Analyzing the Impact of State Fragility, Trade Openness, and Labor Force on Foreign Direct Investment in ASEAN: An Islamic Economic Perspective (2013-2022) Amrullah, Alliena Fathi; Madnasir; Supriyaningsih, Okta
Journal of Islamic Finance and Economic Studies Vol. 1 No. 1 (2025): Journal of Islamic Finance and Economic Studies
Publisher : CV. SPDF Harmony

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64268/jifes.v1i1.21

Abstract

Background: Foreign Direct Investment (FDI) plays a significant role in the economies of developing countries, including those in the ASEAN region. Factors such as state fragility, trade openness, and labor force are believed to significantly influence FDI inflows. This research examines the relationship between these three factors and FDI inflows in 9 ASEAN countries from 2013 to 2022, with an Islamic economic perspective. Aims: This study aims to analyze the impact of state fragility, trade openness, and labor force on FDI inflows in 9 ASEAN countries from 2013 to 2022, and to provide insights into the Islamic economic perspective on foreign direct investment. Methods: This study employs a quantitative approach using panel data analysis. Secondary data is collected from the official World Bank website and the Fragile States Index. Data analysis is conducted using t-tests, F-tests, and R2 coefficient determination to test the relationships between the independent variables and FDI. Results: The results of this research show that state fragility has a negative but insignificant effect on FDI. Meanwhile, trade openness and the labor force have a positive and significant effect on FDI inflows in the ASEAN region. Conclusion: Trade openness and labor force play a key role in attracting FDI in ASEAN countries, while state fragility does not significantly affect foreign investment. From an Islamic economic perspective, FDI should not only be viewed as a way to increase individual wealth but also as a means to support inclusive economic growth and societal development.
Co-Authors A. Zuliansyah Aisyah, Dila Nur Aji Cahya Negara Alief Rakhman Setyanto, Alief Rakhman Alviana, Devi Amrina, Dania Hellin Amrullah, Alliena Fathi Angelique, Pingkan Anisa, Heldinia Anriyani, Yuyun Any Eliza Araminta, Marsa Apta arinda, rara Arvidia Tri Eninda Azizah, Salma Nur Azzahra, Amelia Bramtheo, Fernandes Tesar Cahya Komala Dewi Cahya, Abiyu Iman Nur Cahya, Aji Cahyani, Anisa Binar Dania Helin Amrina Danuarta, Aginda Dewi, Anisa Sukma Diah Mukminatul Hasimi Diana, Nora Dika Adina Yuha Dilla Tyas Andini Dimas Pratomo Elza Dwi Lestari Epi Purwanti Erike Anggraeni Erlin Kurniati Ersi Sisdianto Faridz, Ferhad Al Faudi, Fatih Fauzi Ahmad Muda Ferhad Al Faridz Fitri, Nadhila Fitriani, Amalia Gaza, Muhammad Habib Al Handarto Ermawan Hanif Indy Satya Ayu Esa Ningrum Irmayanti, Lulu Iva Faizah Khavid Normasyhuri Komala sari, Komala Komala Zurni Kurniati, Erlin Liana, Abellia Dyna Liya Ermawati Loin, Ulama Putra M. Yusuf Bahtiar, M. Yusuf Madnasir Manza, Rano Mardhiyah Hayati Muhammad Iqbal Fasa Muzakky, Fata Nafis Nabila Khasanah Ummah Nanda Audia Nur Azizah Padila, Peni Pratomo, Dimas Putra, Rizky Hamdala Putri Susi Adetya Qurrahman, Taufiq Ridwansyah Ridwansyah Ridwansyah Ridwansyah Ridwansyah Rika Kurnia Rika Kurnia Riski, Muhamad Saefurrohman, Ghina Ulfa Salsabila Putri Prameswari Sarmila Sarmila Sembiring, Rinawati Sulistiani, Novariza Indar Taufiqur Rahman, Taufiqur Ulama Putra Loin Widodo, Rifky Yuha, Dika Adina Yulianti, Ade Yeny Yulistia Devi Yulistia Devi Yusnita Sarnanda Zahra Annisa Zahra, Azza Aqilah Zhatu Restie Utamie Zuliansyah, A