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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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Model Ketahanan Keuangan Syariah Indrarini, Rachma; Samsuri, Andriani
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 9 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v9i1.5706

Abstract

The COVID-19 pandemic has had an adverse impact on the economy. Many people have lost their jobs but the necessities of life have increased. Society needs a model to make sharia financial resilience. This study aims to formulate a model of Islamic financial resilience, especially for Muslims by looking at three indicators are Islamic financial literacy, Islamic financial planning and Islamic financial inclusion. This research uses quantitative research with multiple linear regression. The result of this research is that Islamic financial literacy has no affect on sharia financial resilience. Islamic financial planning has not affect on sharia financial resilience. Islamic financial inclusion has affects on sharia financial resilience and together Islamic financial literacy, Islamic financial planning and Islamic financial inclusion has affect on sharia financial resilience
Upaya Meningkatkan Indeks Pembangunan Manusia dengan Pemenuhan Kebutuhan Pokok Mahasiswa UNESA Terdampak Covid-19 Lucky Rachmawati; Khusnul Fikriyah; Rachma Indrarini; Ladi Watjuba Perdini; Nurul Hanifa
Jurnal Pengabdian UNDIKMA Vol. 2 No. 1 (2021): May
Publisher : LPPM Universitas Pendidikan Mandalika (UNDIKMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jpu.v2i1.3128

Abstract

The aim of implementing this community service is expected to support government programs in an effort to increase the Human Development Index by Fulfilling the Basic Needs of UNESA Students Affected by Covid-19. The method of implementing activities starts from tracking information affected by Covid-19, identifying partner problems, determining solutions to be offered, implementing PKM activities, monitoring and evaluation, and the final stage is compiling reports. Participants in PKM activities are students receiving basic needs packages of 50 students. The result of this activity is the Fulfillment of the Basic Needs of UNESA Students Affected by Covid-19, of course this activity can support government programs in an effort to increase the Human Development Index.
Pengaruh Kualitas Pelayanan, Pemasaran Syariah Dan Etika Bisnis Syariah Terhadap Keputusan Generasi Milenial Menjadi Nasabah Pada Bank Syariah Di Surabaya Warni, Fortuna Septiyaning; Indrarini, Rachma
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of sharia banking has caused the banking industry to become increasingly competitive, namely competition between sharia banking and conventional banking or fellow sharia banks to gain respective profits. Currently, the millennial generation is considered as potential consumers for Sharia banking. The millennial generation has the potential to increase economic activity, including the Sharia economy. This research is quantitative with a causal associative approach, and uses a non-probabilistic sampling method. The Structural Equation Model (SEM) analysis technique uses the PLS application. The results of this study show that Islamic marketing and Islamic business ethics influence millennials’ decisions to become customers of Islamic banks. In contrast, service quality does not affect their decision to choose Islamic banks. This means Islamic banks should focus on strategies related to Islamic marketing and the application of Islamic business ethics to attract millennial customers. On the other hand, improving service quality alone is not enough, so banks need to highlight the unique value of sharia principles in their marketing strategies.
PENGARUH TOTAL PEMBIAYAAN, DANA PIHAK KETIGA (DPK), DAN NON-PERFOMING FINANCING (NPF) TERHADAP PROFITABILITAS (ROE) PT. BANK MUAMALAT INDONESIA TBK. PERIODE 2014-2024 Putri, Diva Carrisa; Indrarini, Rachma
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n2.p20-32

Abstract

Bank Muamalat as a growing Islamic bank, BMI faces challenges in increasing its profitability by as-sessing the effectiveness of equity management and identifying strategies that can improve financial performance. This study aims to analyze the effect of Total Financing, Third Party Funds (DPK), and Non-Performing Financing (NPF) on Profitability (Return on Equity / ROE) at PT Bank Muamalat Indo-nesia Tbk during the period 2014-2024. The research method used is associative quantitative, with secondary data in the form of quarterly financial reports of Bank Muamalat which are analyzed using Multiple Linear Regression through SPSS software. The results showed that Total Financing has a positive and significant effect on ROE, while DPK and NPF have a negative and significant effect on ROE. Simultaneously, Total Financing, DPK, and NPF have a significant effect on ROE. This finding confirms that an increase in financing can increase profitability, but high credit risk (NPF) and less than optimal DPK management can reduce the return on equity (ROE). Therefore, Bank Muamalat needs to optimize financing strategies, improve the efficiency of DPK management, and strengthen credit risk mitigation to increase profitability and competitiveness in the Islamic banking industry.
Evaluation of Internationally Accredited Study Programs through Learning Quality Audits in Maintaining the Quality of Education Indrarini, Rachma; Prakoso, Albrian Fiky; Trisnawati, Novi; Yanthi, Merlyana Dwinda; Arifah, Ika Dyah Candra; Kusumawati, Nunik Dwi; Westermann, Alena
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.v3i4.146

Abstract

Objective: This study evaluates internationally accredited study programs through a learning quality audit to ensure the sustainability of educational quality. Method: A qualitative descriptive approach was employed, collecting data through This study employs an audit method using the CIPP evaluation model (context, input, process, and product). Several stages carried out in the evaluation include Preparing the Evaluation Plan, Verifying Data, Processing and Analyzing Data, Providing Interpretation, and Drawing Conclusions.  Results: The results indicate variations in compliance among study programs, where programs that have been accredited show better performance but still face challenges in curriculum restructuring, academic documentation, and international collaboration. Meanwhile, study programs that are in the process of accreditation have greater weaknesses, particularly related to evidence-based accreditation and follow-up mechanisms. This audit emphasizes the importance of continuous improvement, strengthening internationalization, and systematic documentation. Novelty: This research refers to two international accreditation monitoring simultaneously, namely AQAS and Acquin.
PENINGKATAN SOSIOEKONOMI MASYARAKAT MELALUI PELATIHAN DISPLAY TOKO BAGI GALERI UMKM TP PKK KABUPATEN LUMAJANG Fahrullah,; yasin, ach .; Ridlwan, Ajib; Fikriyah, Khusnul; Indrarini, Rachma; Anwar, Moch. Khoirul
Abimanyu : Jornal of Community Engagement Vol 4 No 1 (2023): February 2023
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/abi.v4n1.p25-32

Abstract

Micro, Small and Medium Enterprises or commonly called UMKM is one of the driving wheels of the economy in Indonesia, especially in Lumajang district. The increasing number of MSMEs from year to year shows that the majority of people in Lumajang are starting to wish to create their own business. However, the obstacle that is often faced by business actors in Lumajang is their lack of ability to distribute their products. Low knowledge about product displays is a problem and has an impact on low product value and is less desirable. To overcome this, product display training is carried out. The method used is training delivered offline. The result of this activity is an increase in the participants' knowledge and ability to display products. This is known from the responses of the participants to the questionnaire given which showed the results that all participants agreed that the material provided was useful and had an impact on increasing the participants' knowledge.
Efektivitas Penggunaan Layanan Fitur Syariah Aplikasi Pospay Pada Pengguna Di Surabaya Rosadi, Danang; Indrarini, Rachma
Perbanas Journal of Islamic Economics and Business Vol 5 No 2 (2025): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v5i2.349

Abstract

This study aims to analyze the effectiveness of the use of sharia feature services in the Pospayapplication by users in Surabaya. The sharia feature on Pospay is an innovation of PT Pos Indonesia(Persero) in providing sharia services. The research method used is qualitative based with aphenomenological approach. Data collection techniques were conducted through interviews andobservations of active users of sharia features in Surabaya, application informatics technicians, andrepresentatives of the Surabaya Post Office. Data analysis used the Miles and Huberman model withthe stages of open coding, axial coding, and selective coding. The results showed that the shariafeatures in Pospay are considered effective in supporting users' sharia needs activities. Users feelhelped because services can be accessed easily, safely, and in accordance with sharia principles.However, there are some weaknesses such as the lack of socialization, limited sharia institutionpartners, technical constraints when the network is unstable. These findings provide a real picture ofthe dynamics of the use of application-based sharia services, especially in the context of digitalplatforms owned by non-bank SOEs which are still rarely studied. Solutions that can be done areincreased promotion, expansion of cooperation with Islamic financial institutions, strengthening thetechnical side of the application. This research is expected to contribute to the development of Islamicfintech in Indonesia.
PENGARUH PENGGUNAAN SHOPEEPAYLATER, SOSIAL MEDIA DAN GAYA HIDUP HEDONIS TERHADAP PERILAKU KONSUMTIF (ISRAF) MAHASISWA MUSLIM SURABAYA Novia Jumatur; Rachma Indrarini
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 1 (2025): Oktober
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i1.60385

Abstract

Abstrak Tujuan dari penelitian ini adalah untuk menganalisis pengaruh Penggunaan ShopeePayLater, Sosial Media, dan Gaya Hidup Hedonis terhadap perilaku konsumtif (israf) mahasiswa Muslim di Surabaya. Istilah israf digunakan dalam penelitian ini sebagai pendekatan Islam terhadap perilaku konsumtif yang berlebihan dan melampaui batas kewajaran menurut syariat. Penelitian ini menggunakan metode kuantitatif dengan data primer yang diperoleh melalui penyebaran kuesioner. Teknik pengambilan sampel yang digunakan adalah purposive sampling dengan jumlah responden sebanyak 120 mahasiswa Muslim. Analisis data dilakukan dengan menggunakan uji regresi linier berganda. Hasil penelitian menunjukkan bahwa terdapat pengaruh yang signifikan dari Penggunaan ShopeePayLater, Sosial Media, dan Gaya Hidup Hedonis terhadap perilaku konsumtif (israf) mahasiswa Muslim di Surabaya. Hasil penelitian ini menunjukkan bahwa perilaku konsumtif mahasiswa tidak hanya dipengaruhi oleh faktor ekonomi dan sosial, tetapi juga memiliki relevansi penting dalam perspektif etika Islam, khususnya terkait larangan israf dalam Al-Qur’an. Kata Kunci: Gaya Hidup Hedonis, Israf, Perilaku Konsumtif, ShopeePaylater, Sosial Media.   Abstract The purpose of this study is to analyze the influence of ShopeePayLater usage, social media, and a hedonistic lifestyle on the consumptive behavior (israf) of Muslim students in Surabaya. The term israf is used in this research as an Islamic perspective on excessive consumption that goes beyond reasonable limits according to sharia. This study employs a quantitative method with primary data collected through questionnaires. The sampling technique used is purposive sampling, with a total of 120 Muslim student respondents. Data analysis was carried out using multiple linear regression tests. The results show that ShopeePayLater usage, social media, and a hedonistic lifestyle have a significant influence on the consumptive behavior (israf) of Muslim students in Surabaya. These findings indicate that students' consumptive behavior is not only influenced by economic and social factors but also has important relevance from the perspective of Islamic ethics, particularly regarding the prohibition of israf in the Qur'an. Keywords: Consumptive Behavior, Hedonistic Lifestyle, Israf, ShopeePaylater, Social Media.
Halal Certification for MSMEs: what Drives the Interest of MSMES in Indonesia and Malaysia? Suryaningsih, Sri Abidah; Indrarini, Rachma; Nurafini, Fira; Munir, Maryam Bte Badrul; Binti Zakaria, Zalina; Nurillah, Shinta Lintang
Al-Ulum Vol. 24 No. 1 (2024): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/au.v24i1.5320

Abstract

This study explores the factors influencing interest in halal certification, focusing on certification fees, government involvement, and the certification process, particularly for halal MSMEs (Micro, Small, and Medium Enterprises). A survey of 65 respondents from businesses in Indonesia and Malaysia was analyzed using Smart PLS 3.0, a tool for Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that certification fees (p-value = 0.226) and government involvement (p-value = 0.966) do not significantly affect interest, while the certification process (p-value = 0.009) has a significant impact. These findings suggest that simplifying the certification procedure could increase participation, especially for MSMEs facing challenges related to cost and understanding the process. The study’s practical implication is that certification bodies should prioritize simplifying the process to encourage more MSMEs to pursue halal certification. This research provides valuable insights for academic research, industry practices, and MSME empowerment.
Pengaruh Etika Kerja Islami dan Kualitas Pelayanan Pedagang terhadap Kepuasan Pelanggan di Pasar PON Jombang Difa Azzahrowani, Ilma; Rachma Indrarini
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i4.1016

Abstract

The market is a certain place for the meeting of people who carry out trading activities (buying and selling) of goods and services. Jombang is an area that has the nickname as "Santri City", which in accordance with the expectations of the nickname is the creation of the behavior of a good trader and away from bad deeds and will affect satisfaction. However, not all traders in the market reflect this, there are several influencing factors, namely Islamic work ethics and service quality. The application of good work ethics in Islam is very important, because in it will create muamalah activities that are maslahah. Thus, this study aims to analyze the effect of Islamic work ethics and the quality of merchant services on customer satisfaction in the Pon Jombang market. The research method used is descriptive quantitative research with multiple linear regression analysis with SPSS 25 analysis tools. The sample used was 100 respondents through a questionnaire with predetermined criteria. The results of the study state that there is an influence of Islamic work ethics and service quality on customer satisfaction. This research is expected to be able to bring benefits to readers in order to add insight and traders are able to apply Islamic law in buying and selling activities.
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