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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 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 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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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.
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.
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 Annisa, Zhella Annisa 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 Galuh Ratulangi Hanifah Saputri, Safhira Evani Hendry Cahyono Jannah, Fitria Hikmatul Javantara, Alfado Chievo Junaedi Dwi Mulyanto Kamilatus Salsabila Khusnul Fikriyah Kulsum, Umu Kusumawati, Nunik Dwi 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 Mira Puspitasari Moch. Khoirul Anwar Mubarok, Muhammad Dzulfahmi Muhammad Amar Muhammad Burhanudin Munir, Maryam Bte Badrul Nabil Nazhif Fikri Ahmad Nanda Fadhilah Witris Salamy Novi Trisnawati Novia Jumatur Novy Aulia Safitri 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 Rahmawati, Zeni Ratulangi, Galuh 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 Salsabila, Kamilatus 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 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