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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 PERSEPSI KEMUDAHAN PENGGUNAAN, RELIGIUSITAS, DAN KEPERCAYAAN TERHADAP MINAT PENGGUNAAN MOBILE BANKING BANK SYARIAH PADA MASYARAKAT PEDESAAN KABUPATEN SIDOARJO Andini, Annisa Putri; Indrarini, Rachma
Jurnal Ekonomika dan Bisnis Islam Vol 7 No 2 (2024): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v7n2.p158-171

Abstract

Technological developments have entered the Islamic financial industry, causing transaction activities that can be carried out online, one of which is through Mobile Banking at Islamic Banks. This study aims to examine the Perceived ease of use, Religiosity, and Trust in the interset in using Islamic Bank Mobile Banking at Sidoarjo community. The study used a quantitative method with an assosiative approach. The data used in this reseacrh were obtained from questionnaire with total total of 170 respondents from sampling using purposive sampling. The data analyzed using Structural Equation Modelling-Partial Least Square (SEM-PLS). The results in this study state that the perceived ease of use does not have a significant effect on the interest in using Islamic Bank Mobile Banking because the public already understands that using mobile banking can provide convenience in all transactions so whether the mobile banking system is easy or not does not affect the public to use mobile banking, religiosity has a significant positive effect on the interest in using Islamic Bank Mobile Banking so that religiosity affects the actions of the public to use or use a product including the use of services from Islamic banking, namely mobile banking, and trust in Mobile Banking has a significant positive effect on the interest in using Islamic Bank Mobile Banking because the public understands that the use of mobile banking is based on a sense of trust that the service is reliable.
Analisis Kebijakan Perlindungan Nasabah Pada Bank Digital Syariah di Indonesia Firmanda, Muhammad Esza Maulana; Efendi, Taufik Kukuh; Alfarisy, Fathor Rozy; Javantara, Alfado Chievo; Indrarini, Rachma
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 2, No 4 (2024): November
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.13998659

Abstract

This study analyzes customer protection policies in Islamic digital banks in Indonesia within the framework of Islamic economics. The research focuses on evaluating the effectiveness of policies implemented to protect customers, particularly in the areas of personal data security, information transparency, and dispute resolution mechanisms. Using a literature review method, the study finds that most Islamic digital banks in Indonesia have implemented protective measures, including data encryption technology, provision of product information, and customer complaint systems. However, challenges remain, such as limited customer understanding of Islamic terminology and the need for improved efficiency in complaint resolution. This study recommends enhancements in data security education, simplification of language, and utilization of technology in customer service. The findings are expected to assist Islamic digital banks in improving the quality of customer protection and strengthening trust in Islamic digital banking services that align with Sharia principles.
Investasi Digital dalam Perspektif Syariah Fata Habibullah; Akhlis Fatikhul Islam; Diva Carrisa Putri; Zhella Annisa; Rachma Indrarini
Ekonomi Keuangan Syariah dan Akuntansi Pajak Vol. 1 No. 4 (2024): Oktober : Jurnal Ekonomi Keuangan Syariah dan Akuntansi Pajak
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/eksap.v1i4.555

Abstract

This study explores the dynamics of digital investment in Indonesia within the framework of Islamic economics. The rapid advancement of technology has facilitated the growth of Sharia-compliant investments through digital platforms, making investment more accessible to the Muslim population. This research categorizes several prominent types of Sharia-compliant digital investments, including Online Sharia Mutual Funds, Sharia-Compliant Stocks, UMKM Crowdfunding, Digital Gold, and Online Sharia Property. Each type is evaluated based on its adherence to Islamic principles, legal regulations, and associated risks and opportunities. The study finds that while digital investment platforms offer considerable accessibility and inclusivity, ensuring Sharia compliance remains a challenge amid evolving regulations and technological innovations. Furthermore, the study addresses the regulatory frameworks that oversee these investment types, such as POJK regulations and MUI fatwas, which play a crucial role in maintaining compliance. This research contributes to the ongoing development of Islamic digital finance in Indonesia, providing insights for regulators, platform providers, and investors who seek to expand Sharia-compliant digital investments responsibly.
Evaluation of Mustahik Welfare Achievement: A Case Study of BAZNAS Mojokerto Regency from the Perspective of Maqashid Sharia Nurillah, Shinta Lintang; Herianingrum, Sri; Yasin, Ach; Suryaningsih, Sri Abidah; Indrarini, Rachma; Timur, Yan Putra
Journal of Economics, Business, and Government Challenges Vol. 7 No. 02 (2024): Journal of Economics, Business, and Government Challenges [JoEBGC]
Publisher : Faculty of Economics and Bussiness, UPN "Veteran" Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/ebgc.v7i02.1534

Abstract

This study aims to evaluate the welfare of mustahik through the BAZNAS program in Mojokerto Regency from the perspective of Maqashid Sharia, and to examine the role of BAZNAS Mojokerto Regency in greater depth. The research employs a qualitative approach with a case study method. Observations, interviews, document analysis, annual reports, and literature reviews were conducted to validate the implementation of the BAZNAS program in Mojokerto Regency. The results show that BAZNAS Mojokerto Regency has made significant efforts in distributing zakat funds for the welfare of the community. However, there are several challenges related to the efficiency of fund management and distribution, which affect the optimal achievement of Maqashid Sharia goals. This study provides recommendations for more transparent and efficient zakat management, as well as enhanced coordination among stakeholders to achieve better community welfare outcomes. This research offers a new perspective in evaluating community welfare achievement through the Maqashid Sharia criteria in the BAZNAS Mojokerto Regency program.
Islamic Financial Management Training for MSMEs of The Congregation of Mosque Under The Auspices of The Indonesian Mosque Council Surabaya Nurafini, Fira; Canggih, Clarashinta; Indrarini, Rachma; Munir, Maryam Bte Badrul
MOVE: Journal of Community Service and Engagement Vol. 4 No. 3 (2025): January 2025
Publisher : EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/move.v4i3.417

Abstract

Mosques are places of worship that not only serve as centers for religious practices but also play an active role in community muamalah (socio-economic) activities. The Indonesian Mosque Council (DMI), a partner of the Islamic Economics Study Program Universitas Negeri Surabaya, is a national-level organization dedicated to realizing the role of mosques as centers for worship, community development, and unity. The Islamic Economics Study Program Universitas Negeri Surabaya collaborates with DMI Karang Pilang to implement community service programs aimed at developing mosques and their congregations in the DMI Surabaya. This community service program targets MSME (Micro, Small, and Medium Enterprises) actors who are mosque congregants, as well as congregants who intend to start businesses at mosques under the supervision of DMI Surabaya, located in the Karang Pilang District. The program's activities include workshops and socialization sessions focused on the importance of sharia-compliant financial management for MSMEs and practical guidance on implementing financial management in accordance with sharia. The expected outcome of this program is that MSME actors and congregants intending to start businesses will gain a comprehensive understanding of proper financial management and successfully apply it, thereby preparing them to navigate the challenges of uncertain economic conditions.
Perception of Service Quality Academic Community Faculty of Economics and Business, Universitas Negeri Surabaya Trisnawati, Novi; Arifah, Ika Dyah Candra; Yanthi, Merlyana Dwinda; Prakoso, Albrian Fiky; Indrarini, Rachma; Kusumawati, Nunik Dwi; Robbani, Abdullah Azzam
International Journal of Emerging Research and Review Vol. 3 No. 4 (2025): December
Publisher : IKIP Widya Darma Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56707/ijoerar.v3i4.124

Abstract

Objective: Service quality refers to the evaluation or overview of the extent to which a service meets or exceeds customer expectations. Continuous improvement is the most important part of achieving better performance. Of course, stakeholder expectations and desires are increasing and it is necessary to fulfill these needs so that the organization is always fit with the environment. Method: This research is included in quantitative research and uses the Servqual service quality measurement method. Respondents in this study were the Academic Community of the Faculty of Economics and Business, Unesa. Results: The results of this study, namely lecturer services, show that the level of conformity with expectations felt in the responsiveness aspect is 85.95%. Therefore, overall the total conformity between reality and expectations from the lecturer satisfaction survey is 88.85%. The results of the study on student services show that the total conformity between reality and expectations felt by students is based on the average of the mean of the five dimensions of the satisfaction survey, which is 94.63%. The results of educational staff services show that the total conformity between reality and expectations felt by educational staff from the satisfaction survey is 94.99%. This shows that overall the quality of service at FEB Unesa is very good, there are only a few items that need improvement in service improvement. Novelty: The novelty of this research lies in the simultaneous use of the SERVQUAL method to analyze service satisfaction from three main stakeholder groups (lecturers, students, and education staff) in one faculty of higher education.
Pengaruh Cyber Crime dan Cyber Security Terhadap Tingkat Kepercayaan Nasabah Bank Syariah Dalam Menggunakan Layanan M-banking di Wilayah Surabaya Febriana, Vivi Cendrik; Indrarini, Rachma
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.p161-174

Abstract

This research aims to determine the influence of cyber crime and cyber security on the level of trust of sharia bank customers in using m-banking services in the Surabaya area. The research method used is a quantitative method with an associative approach and sampling was taken using purposive sampling. This research uses primary data involving 120 samples. The results of this research show that 1) cyber crime influences the trust of sharia bank customers in using m-banking services in the Surabaya area, 2) cyber security influences the trust of sharia bank customers in using m-banking services in the Surabaya area, and 3) Cyber crime and cyber security jointly influence the level of trust of sharia bank customers in using m-banking services in the Surabaya area. With this influence, it is important for customers to be more vigilant in using m-banking services that will be accessed in public places and for banks to always strengthen, update and carry out regular checks regarding security systems, especially in the field of internet technology.
Is Sharia peer-to-peer lending in Indonesia accountable and transparent? Indrarini, Rachma; Samsuri, Andriani; Syam, Nur; Room Fitrianto, Achmad; Zulfa, Indana
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n1.p96-109

Abstract

Financial technology is developing in Indonesia, especially in peer-to-peer landing. Based on data from the Indonesia Authority of Financial Service (OJK), there are 102 peer-to-peer lending institutions in Indonesia with 8 of them using the Sharia system. Every Sharia-based transaction must ensure its accountability not only to the public but also to God. Accountability can be seen in the financial statements and annual reports were transparent and accountable. This study aims to see the transparency and accountability of peer-to-peer lending in Indonesia. This study used a qualitative phenomenological approach to observe the problem. The results showed that not all peer-to-peer lending sharia in Indonesia is transparent and accountable. Only three out of eight peer-to-peer landings are transparent and accountable.
Pengaruh Promosi, Kualitas Pelayanan, dan Prosedur Pembiayaan terhadap Minat UMKM Blitar dalam Memilih Kredit Usaha Rakyat (KUR) Syariah Pegadaian Rohmah Sabiq; Rachma Indrarini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 7 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i7.8736

Abstract

This study aims to analyze the influence of promotion, service quality, and financing procedures on the interest of MSMEs in Blitar in choosing Pegadaian’s Sharia People Business Credit (KUR). This research employs a quantitative method with a questionnaire as the data collection instrument. The sampling technique used is purposive sampling, involving 100 MSMEs in Blitar that meet the criteria. Data were analyzed using SEM-PLS version 4. The result show that promotion, service quality, and financing procedures have a positive and significant effect on the interest of MSMEs in Blitar in choosing Pegadaian’s Sharia KUR. Attractive promotions, quality service, and simple and fast procedures are the main strategies for increasing interest. Therefore, Pegadaian needs to optimize these strategies to enhance interest and expand MSMEs’ accessibility to sharia based financing.
HUBUNGAN ANTARA KUALITAS PRODUK ISLAMI DAN SELEBRITI ENDORSER TERHADAP KEPUTUSAN PEMBELIAN PRODUK SHAMPO SUNSILK HIJAB Winarsih, Winarsih; Indrarini, Rachma
REVENUE: Jurnal Manajemen Bisnis Islam Vol. 2 No. 2 (2021)
Publisher : Sharia Business Management UIN Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/revenue.v2i2.8315

Abstract

Tujuan penelitian ini yaitu untuk menguji hubungan antara kualitas produk islami dan selebriti endorser terhadap keputusan pembelian produk shampo sunsilk hijab. Penelitian ini menggunakan metode penelitian kuantitatif dengan pendekatan asosiatif. Jumlah sampel yang diambil yaitu sejumlah 75 responden yang merupakan pengguna sunsilk hijab dalam waktu 6 bulan terakhir. Teknik pengumpulan data dalam penelitian ini menggunakan kuisioner yang diukur dengan skala likert yang kemudian diolah dan dianalisis dengan aplikasi SPSS Statistics Versi 23. Hasil dari penelitian ini menunjukkan bahwa kualitas produk islami memiliki hubungan positif dan signifikan terhadap keputusan pembelian dengan nilai sebesar 0,634. Sedangkan selebriti endorser memiliki hubungan positif dan signifikan terhadap keputusan pembelian sebesar 0,605. Hasil uji koefisien determinasi (R2) menunjukkan bahwa variabel kualitas produk islami dan selebriti endorser memiliki hubungan positif sebesar 48,7% terhadap variabel keputusan pembelian.
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