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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 Equilibria Pendidikan : Jurnal Ilmiah Pendidikan Ekonomi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam 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 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 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 Journal of Ekonomics, Finance, and Management Studies
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 DANA PIHAK KETIGA (DPK), NON PERFORMING FINANCING (NPF), FINANCING TO DEPOSIT RATIO (FDR) DAN OPERATIONAL EFFICIENCY RATIO (OER) TERHADAP PROFITABILITAS PADA BANK MUAMALAT Putri, Seftia Talenta; Indrarini, Rachma
Jurnal Ekonomika dan Bisnis Islam Vol 7 No 1 (2024): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v7n1.p177-189

Abstract

The resilience of Bank Muamalat which has made Bank Muamalat survive until now can be assessed from its financial performance. Bank Muamalat's performance influences the profitability obtained by Bank Muamalat. This research intends to examine the influence of third party funds, non-performing financing, financing to deposit ratio, operational efficiency ratio on profitability at Bank Muamalat for the period 2013 - 2022. This research is quantitative in nature with an approach causal associative, and using non-probability sampling methods. Multiple Linear Regression data analysis technique using the SPSS application. The results of this research reveal that it is partially known that Third Party Funds do not have a significant effect on ROA, Non Performing Financing does not have a significant effect on ROA, Financing to Deposit Ratio has a significant positive effect on ROA, Operational Efficiency Ratio has a significant negative effect on ROA. third party funds, non-performing financing, financing to deposit ratio, operational efficiency ratio simultaneously influence profitability. The implication of the results of this research for Bank Muamalat is that it can maintain performance so that it can channel financing in accordance with existing regulations in order to obtain high profitability. It is hoped that future researchers will be able to add research periods and objects so that they can see other influences on profitability.
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.
Pengaruh Literasi Keuangan Syariah, Fasilitas, Dan Kepercayaan Terhadap Minat Menabung Di Bank Syariah Bagi Masyarakat Pedesaan Nganjuk Aprilia, Titin; 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.p48-59

Abstract

Nganjuk Regency is one of the regions where the majority of the population is Muslim, and it has a fairly strong economy, particularly in the agricultural sector, as it is one of the largest producers of shallots in East Java. The community requires financial institutions to manage their income. This study aims to determine the influence of Islamic financial literacy, facilities, and public trust on the interest in saving at Islamic Banks among rural communities in Nganjuk. The method used is quantitative research with an associative research type. Data analysis technique uses Partial Least Square (PLS-SEM). 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. The results of this study indicate that improving financial literacy in Islamic banking can encourage interest in saving at Islamic Banks, particularly among the rural community in Nganjuk. Therefore, it is important for Islamic financial institutions to focus on Islamic financial education to enhance community participation in saving at Islamic banks, even though facilities and trust do not show a significant impact.
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.
PENGARUH LITERASI KEUANGAN SYARIAH, MANFAAT, DAN RISIKO TERHADAP MINAT MENGGUNAKAN SHOPEE PAYLATER PADA MAHASISWA SURABAYA: THE INFLUENCE OF SHARIA FINANCIAL LITERACY, BENEFITS, AND RISKS ON INTEREST IN USING SHOPEE PAYLATER AMONG SURABAYA STUDENTS Afif, Zamitah Tahiyyah; 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.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 INDONESIA KC JENGGOLO: CUSTOMER LITERACY IN FINANCING DECISION MAKING AT BANK SYARIAH INDONESIA KC JENGGOLO Mubarok, Muhammad Dzulfahmi; 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.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.
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.
Co-Authors Abiba, Riska Widya Abil Yositya Indah Mauliza Ach. Yasin Achmad, Fadelia Afif, Zamitah Tahiyyah Ahmad Ajib Ridlwan Aini, Atica Qurrotun Akhlis Fatikhul Islam Albrian Fiky Prakoso Alfarisy, Fathor Rozy Amrullah, Habib Andi Fahrudin Andini, Annisa Putri Andriani Samsuri Anggraini, Yuanita Nur Aprilia, Titin Arethusa, Zana Chobhita Arifah, Ika Dyah Candra Asmoro, Akbar Ariza Ayu Larasati Bagas Abiyyu Farrasdianto Binti Zakaria, Zalina Bistiana, Mila Cahyono, Aralda Febrian Cantika Agustia Clarashinta Canggih Daffa Eka Septianda Dayanti, Riski Desita Pidie Finistyasa Dhefita Sari Difa Azzahrowani, Ilma Diva Carrisa Putri Efendi, Taufik Kukuh Endriyanto, Rizal Fadillah, Hikmatul Nur Fahrullah, Fajirin, Fauzan Bahamarianto Farichatul Muthi'ah Farichatul Muthi'ah Farichatul Muthi’ah Fata Habibullah Febriana, Vivi Cendrik Fira Nurafini Firmanda, Muhammad Esza Maulana Fitria Hikmatul Jannah Fitriah Dwi Susilowati Hanifah Saputri, Safhira Evani Hendry Cahyono Javantara, Alfado Chievo Junaedi Dwi Mulyanto Khusnul Fikriyah Kulsum, Umu Kusumawati, Nunik Dwi Ladi Watjuba Perdini Lily Ulfia LUCKY RACHMAWATI Lutfiyatul Rosidah Maghfiroh, Mamluatul Mamluatul Maghfiroh Mauren Gita Meisyaroh Catur Wulandari Merlyana Dwinda Yanthi Mia Karunia Putri Moch. Khoirul Anwar Mubarok, Muhammad Dzulfahmi Muhammad Burhanudin Munir, Maryam Bte Badrul Novi Trisnawati Novia Jumatur Novy Aulia Safitri Nur Ainiyah Nur Syam Nurafini, Fira Nurarista, Erina Ayu 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 Rahmawati, Zeni Revonnarta, Ervanda Ridlwan, Ajib Rijal, Muhammad Qomarul Rizaldi Firmansyah Raden Rizky Dwi Salsabilla Machmudi Robbani, Abdullah Azzam Rohmah Sabiq Rohmah Sabiq Room Fitrianto, Achmad Rosadi, Danang Sari, Eka Septia Shinta Lintang Sholihah, Farah Aunti Siti Nur Aini Sitti Fatimah Khairunnisaa Sofiana, Nana Sri Abidah Suryaningsih Sri Herianingrum Sulistyo Wiky Aprianto Taufiqur Rohman Tony Seno Aji Ulfia, Lily Warni, Fortuna Septiyaning Westermann, Alena Winarsih Winarsih Winarsih Winarsih Wulan sari, Asri Yan Putra Timur yasin, ach . Yatun Ilmiyah, Chil Zhella Annisa zulfa, indana