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All Journal El Dinar Al-Ulum Jurnal Ekonomi dan Bisnis Islam Al-Wijdan : Journal of Islamic Education Studies Jurnal Mirai Management Jurnal Ilmiah Ekonomi Islam AKRUAL: Jurnal Akuntansi Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam al-Uqud : Journal of Islamic Economics Dinamisia: Jurnal Pengabdian Kepada Masyarakat Pendas : Jurnah Ilmiah Pendidikan Dasar Equilibria Pendidikan : Jurnal Ilmiah Pendidikan Ekonomi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Syarikat : Jurnal Rumpun Ekonomi Syariah Iqtishoduna: Jurnal Ekonomi Islam JESI (Jurnal Ekonomi Syariah Indonesia) J-Dinamika: Jurnal Pengabdian Kepada Masyarakat Amwaluna Jurnal Ekonomi dan Keuangan Syariah Journal of Economics, Business, and Government Challenges Revenue: Jurnal Manajemen Bisnis Islam Ihsan: Jurnal Pengabdian Masyarakat Jurnal Pengabdian UNDIKMA EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen PROFICIO: Jurnal Pengabdian Masyarakat MOVE: Journal of Community Service and Engagement Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Abimanyu: Journal of Community Engagement Jurnal Ekonomika dan Bisnis Islam Perbanas Journal of Islamic Economics and Business Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat International Journal of Emerging Research and Review Socius: Social Sciences Research Journal JSE: Jurnal Sharia Economica International Conference on Islamic Economic Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Ekonomi Keuangan Syariah dan Akuntansi Pajak Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah
Rachma Indrarini
Universitas Negeri Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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PENGARUH LITERASI KEUANGAN SYARIAH, MANFAAT, DAN RISIKO TERHADAP MINAT MENGGUNAKAN SHOPEE PAYLATER PADA MAHASISWA SURABAYA Zamitah Tahiyyah Afif; Rachma Indrarini
Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v7n3.p60-75

Abstract

The payment system in Indonesia is evolving with the presence of financial technology, one of which is shopee paylater. Currently, shopee paylater is widely used by the Indonesian community. This can be seen from a survey indicating that Shopee Paylater outperforms other pay-later services. This research aims to determine whether there is an influence of islamic financial literacy, benefits, and risks on the interest in using shopee paylater. The research method used is a quantitative approach with an associative research method. The data used in this study are from a survey of 150 respondents obtained through non-probability sampling using purposive sampling technique. The data were analyzed using SmartPLS 4.0. The results of this study indicate that, Islamic financial literacy has a positive influence on the interest in using shopee paylater among students in Surabaya. Benefits have a positive influence on the interest in using shopee paylater among students in Surabaya. And Risks do not influence the interest in using shopee paylater among students in Surabaya.
Literasi Nasabah dalam Pengambilan Keputusan Pembiayaan pada Bank Syariah: Studi Kasus Bank Syariah Indonesia KC Jenggolo Muhammad Dzulfahmi Mubarok; Rachma Indrarini
Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v7n3.p76-89

Abstract

Customer literacy in financing decision-making at Islamic banks is an important aspect that customers must possess in the financing decision-making process. This research aims to determine the level of literacy possessed by customers of Shariah banks, specifically focusing on the case study of financing customers at Bank Syariah Indonesia KC Jenggolo in making financing decisions. The approach and method used in this research are qualitative descriptive approach and case study method. Based on the research results, it can be concluded that financing customers of Bank Syariah Indonesia KC Jenggolo do not yet have adequate literacy regarding the financing available at Bank Syariah Indonesia in several aspects when customers make financing decisions. The results of this research can be used by banks as a fact in the field regarding the importance of literacy regarding financing and the fact that there are still customers who have poor literacy regarding the financing they have taken.
Pengaruh Literasi Keuangan Syariah, Fasilitas, Dan Kepercayaan Terhadap Minat Menabung Di Bank Syariah Bagi Masyarakat Pedesaan Nganjuk Titin Aprilia; Rachma Indrarini
Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v7n3.p48-59

Abstract

Nganjuk Regency is an area where the majority of the population is Muslim and has a fairly good economy in the agricultural sector which is one of the largest producers of shallots in East Java. Therefore, people need financial institution facilities to manage their income. This research aims to determine the influence of sharia financial literacy, facilities and public trust on interest in saving at Sharia Banks for the Nganjuk rural community. The method used is quantitative research with associative research. The type of research used in the research is primary data and uses SEM-PLS data in processing the data. The research results show that the Islamic financial literacy variable has a positive and significant influence on interest in saving at Sharia Banks. Meanwhile, the facility and trust variables do not have a positive and significant effect on interest in saving at Sharia Banks
PENGARUH SIKAP, NORMA SUBJEKTIF, KONTROL PERILAKU DAN PERILAKU KONSUMSI ISLAM TERHADAP MINAT MENGGUNAKAN PAYLATER PADA GENERASI Z DI SURABAYA Al Mashuum, Hisyaam Musyaffa; Indrarini, Rachma
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 Nomor 03, September 2026 Completed
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i03.61368

Abstract

The rapid growth of financial technology has encouraged the widespread adoption of Buy Now Pay Later (BNPL) services, particularly among Generation Z. The convenience, flexibility, and accessibility of Paylater have increased users' purchasing intentions, but they have also raised concerns regarding excessive consumption and financial risk. This study aims to analyze the influence of attitude, subjective norms, perceived behavioral control, and Islamic consumption behavior on the intention to use Paylater among Generation Z in Surabaya. This research employed a quantitative approach using a causal associative design. Data were collected through questionnaires distributed to 200 Generation Z respondents in Surabaya and analyzed using IBM SPSS Statistics. The results indicate that attitude and subjective norms have a positive and significant influence on the intention to use Paylater, while perceived behavioral control and Islamic consumption behavior do not significantly influence users' intention. The coefficient of determination (R²) of 0.577 indicates that the independent variables explain 57.7% of the variation in the intention to use Paylater, whereas the remaining 42.3% is explained by other variables outside the model. These findings suggest that Generation Z's intention to use Paylater is primarily shaped by positive perceptions of the service and social influences rather than by self-control or Islamic consumption values. The study contributes to the development of consumer behavior literature by integrating the Theory of Planned Behavior with Islamic consumption behavior in the context of digital financial services.
PENGARUH KEPERCAYAAN DAN TRANSPARANSI LAPORAN KEUANGAN TERHADAP MINAT DONASI PADA HUMAN INITIATIVE DI SURABAYA Junaidi, Ahmad; Indrarini, Rachma
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 No. 03, September 2026 Processed
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i03.62125

Abstract

This study aims to analyze the influence of trust and financial statement transparency on people's intention to donate through Human Initiative Surabaya Branch. The research employed a quantitative approach with an associative research design. Data were collected through questionnaires distributed to 100 respondents selected using purposive sampling. The data were analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS 4 software. The findings indicate that trust has a positive and significant effect on donation intention. Financial statement transparency also has a positive and significant effect on donation intention and demonstrates a stronger influence than trust. These findings imply that strengthening institutional credibility and providing transparent financial reporting can enhance public willingness to donate through Human Initiative. This study contributes practical recommendations for philanthropic organizations to improve public participation by implementing transparent and accountable financial governance.
Co-Authors Abiba, Riska Widya Abil Yositya Indah Mauliza Ach. Yasin Achmad, Fadelia Ahmad Ajib Ridlwan Ahmad Junaidi Akhlis Fatikhul Islam Al Mashuum, Hisyaam Musyaffa Albrian Fiky Prakoso Alfarisy, Fathor Rozy Amrullah, Habib Andi Fahrudin Andini, Annisa Putri Andriani Samsuri Anggraini, Yuanita Nur Annisa Zulfa Rahmatullaila Khalda Arethusa, Zana Chobhita Arifah, Ika Dyah Candra Asmoro, Akbar Ariza Atica Qurrotun Aini Ayu Larasati A’rasy Fahrullah Bagas Abiyyu Farrasdianto Binti Zakaria, Zalina Bistiana, Mila Cahyono, Aralda Febrian Cantika Agustia Cantika Agustia Clarashinta Canggih Daffa Eka Septianda Dayanti, Riski Desita Pidie Finistyasa Dhefita Sari Dian Puspita Rahmawati Difa Azzahrowani, Ilma Diva Carrisa Putri Efendi, Taufik Kukuh Ela Inayatul Lutfiyah Endriyanto, Rizal Fadillah, Hikmatul Nur Fahrullah, Fajirin, Fauzan Bahamarianto Farichatul Muthi'ah Farichatul Muthi'ah Farichatul Muthi’ah Fata Habibullah Febriana, Vivi Cendrik Fikriyah, Khusnul Fira Nurafini Firmanda, Muhammad Esza Maulana Fitria Hikmatul Jannah Fitriah Dwi Susilowati Galuh Ratulangi Hanifah Saputri, Safhira Evani Hendry Cahyono Irfan Ramis Jannah, Fitria Hikmatul Javantara, Alfado Chievo Junaedi Dwi Mulyanto Kamilatus Salsabila Kulsum, Umu Ladi Watjuba Perdini Lily Ulfia LUCKY RACHMAWATI Lutfiyatul Rosidah Maghfiroh, Mamluatul Mamluatul Maghfiroh Mauren Gita Mauren Gita Miranti Meisyaroh Catur Wulandari Merlyana Dwinda Yanthi Mia Karunia Putri Mira Puspitasari Moch. Khoirul Anwar Muhammad Amar Muhammad Burhanudin Muhammad Dzulfahmi Mubarok Munir, Maryam Bte Badrul Nabil Nazhif Fikri Ahmad Nanda Fadhilah Witris Salamy Novi Trisnawati Novia Jumatur Novy Aulia Safitri Nunik Dwi Kusumawati Nur Ainiyah Nur Syam Nurafini, Fira Nurarista, Erina Ayu Nurhayati Nurillah, Shinta Lintang Nurul Hanifa Nurul Hanifah Prakasa, Novan Adi Puji Lestari Puji Lestari Puspitasari, Siska Dwi Putri, Diva Carrisa Putri, Seftia Talenta Raden Achmad Fuad Rahmatika, Febrina Rahmawati, Zeni Ramdani Revonnarta, Ervanda Ridlwan, Achmad Ajib Ridlwan, Ajib Rif'atun Ni'mahSyafila Rijal, Muhammad Qomarul Rizaldi Firmansyah Raden Rizky Dwi Salsabilla Machmudi Robbani, Abdullah Azzam Rohmah Sabiq Room Fitrianto, Achmad Rosadi, Danang Sania Ardiana Sari Edi Cahyaningrum Sari, Eka Septia Shinta Lintang Sholihah, Farah Aunti Siti Nur Aini Sitti Fatimah Khairunnisaa Sofiana, Nana Sri Abidah Suryaningsih Sri Herianingrum Sulistyo Wiky Aprianto Taufik Kukuh Efendi Taufiqur Rohman Titin Aprilia Tony Seno Aji Ulfia, Lily Warni, Fortuna Septiyaning Westermann, Alena Winarsih Winarsih Winarsih Winarsih Wulan sari, Asri Yan Putra Timur Yatun Ilmiyah, Chil Zamitah Tahiyyah Afif Zhella Annisa Zhella Annisa Annisa zulfa, indana