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All Journal Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam FINANSIA : Jurnal Akuntansi dan Perbankan Syariah JURNAL LENTERA BISNIS Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Abdimas Bina Bangsa Keizai QISTINA: Jurnal Multidisiplin Indonesia International Journal of Economics (IJEC) International Journal of Educational Research Excellence (IJERE) West Science Accounting and Finance Jurnal Intelek Insan Cendikia KREATIF: Jurnal Pengabdian Masyarakat Nusantara Jurnal Abdimas Mahakam Al Itmamiy: Jurnal Hukum Ekonomi Syariah
Ridwansyah
Dosen Fakultas Syariah Dan Hukum UIN Raden Intan Lampung
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Nursing Social Sciences Other

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Pengaruh Pemasaran Relasional dan Citra Merek Terhadap Loyalitas Pelanggan Pada Waralaba Internasional di Tengah Konflik Palestina : (Studi Pada Konsumen Mcdonald’s di Kota Bandar Lampung) Gusthia Wahyuni; Ridwansyah Ridwansyah; Muhammad Iqbal Fasa
KREATIF: Jurnal Pengabdian Masyarakat Nusantara Vol. 4 No. 2 (2024): Juni : Jurnal Pengabdian Masyarakat Nusantara
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/kreatif.v4i2.3721

Abstract

Boycotting products has become a phenomenon that has garnered global attention, especially in the context of the conflict between Israel and Palestine. As one of the largest fast-food brands in the world, McDonald's has been targeted for boycotts by several groups and individuals who oppose the company's policies and practices perceived to be involved in the conflict. This research aims to analyze the influence of relational marketing and brand image on customer loyalty in international franchises amid the Palestinian conflict. The study uses purposive sampling techniques with a Likert scale distributed to 100 McDonald's consumers via Google Forms, tested using IBM SPSS Statistics 26. The results of the study indicate that the variable of relational marketing does not have a positive and significant effect on customer loyalty. However, for the second hypothesis, brand image has a positive and significant effect on customer loyalty. It can be concluded from the test results that the variables of relational marketing and brand image simultaneously have a positive and significant effect on customer loyalty.
Liquidity Risk Management: Ensuring Sustainability And Managing Islamic Banks In The Era Of Banking Industry Development Riza Arizona; Icha Afrillia Hidayat; Marisa Rizki; Hasrul Zen; Kustia Kustia; Ridwansyah Ridwansyah; Wan Ruslan Abdul Ghani
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 5 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i5.9495

Abstract

Liquidity Risk Management is the development of strategies and policies to manage liquidity risks that include the creation of cash reserves, diversification of funding sources, and the use of financial instruments to overcome liquidity shortages. The process of managing risks arising from the inability of an entity (company or bank) to meet its financial obligations on time due to lack of liquidity or available cash funds. Liquidity risk is the risk that a company or individual will be unable to meet short-term financial obligations because it cannot convert its assets into cash. Liquidity risk arises from the inability to meet maturing obligations from cash flow funding sources and/or from high-quality liquid assets that can be pledged, without disrupting the entity's activities and financial condition. Liquidity risk is one of the main challenges faced by companies in the world of finance and business. Liquidity risk can arise in various forms and situations. One of them is the inability of a company to access sufficient cash when needed, which can occur due to factors such as a sudden decline in sales, dependence on short-term funding, or unexpected economic changes. Liquidity instruments can be obtained from collecting third party funds (DPK), lending in the sharia money market, purchasing SBI Syariah, looking for investors from within the country or foreign investors, or from other sources of funds. The results of the study show that the implementation of liquidity risk management in Islamic Banks and UUS is carried out in the form of: 1. The Board of Directors, Commissioners, and DPS (Sharia Supervisory Board) are active in formulating and implementing risk management, 2. Preparing policies, procedures, and setting risk management limits, 3. Carrying out the process of identifying, measuring, monitoring and controlling risks as well as risk management information systems, 4. Forming a comprehensive internal control system.
Implementation Of Bank Operational Risk Management In Human Resource Management At Bank Syariah Indonesia Abib Novriyanto; Ashari Seribu Dinar; Eka Yuni Hartati; Febyviani Dwimutian; Ridwansyah Ridwansyah; Wan Ruslan Abdul Ghani; Mulya Jayanti Putri Septina
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 5 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i5.9541

Abstract

The operational risk management in Islamic banks is crucial to ensure the smooth functioning of the bank while adhering to Islamic principles. Operational risks in banks can arise from internal processes, human errors, system failures, and external events. These risks, when not managed effectively, can have significant impacts on the financial stability and reputation of the bank. The human factor (human resources) plays a pivotal role in operational risk, especially in banks following Sharia principles, where it is necessary to ensure that the employees are well-trained, competent, and have a strong understanding of Islamic financial laws. This paper discusses the role of human resource management in the operational risk management framework of Bank Syariah Indonesia (BSI). Effective human resource management ensures that the right employees are hired, trained, and retained, thus minimizing the potential risks caused by human errors. The focus of the paper is to assess how Bank Syariah Indonesia incorporates risk management strategies in their HR practices and explores the training and development programs aimed at enhancing employee competence in managing operational risks. The research highlights the importance of creating a risk-aware culture and building a strong risk management system within the bank, specifically focusing on improving the competencies of human resources to reduce operational risks.
Kontribusi Produk Pembiayaan Kelompok Syariah Yang Tepat Terhadap Pemberdayaan Ekonomi Perempuan Resta Rentika Maharani; Erike Anggraeni; Ridwansyah Ridwansyah
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 4 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v7i4.10834

Abstract

This study aims to analyze the contribution of appropriate Islamic group financing products to women’s economic empowerment. Women’s economic empowerment is a critical issue in sustainable development, particularly in improving women’s access to financial resources, business opportunities, and economic decision-making. This research adopts a qualitative approach using a literature review method, examining various academic sources such as journal articles, books, and relevant reports. Data were collected through academic databases and analyzed using descriptive and content analysis techniques to identify patterns, relationships, and key findings. The findings reveal that Islamic group financing significantly contributes to increasing women’s income, economic independence, and decision-making capacity. The group-based financing model, which applies joint liability mechanisms, has proven effective in reducing financing risks while strengthening social cohesion and mutual support among members. Furthermore, Islamic financial principles such as justice, profit-sharing, and the prohibition of riba provide a more ethical and inclusive framework for women to access financial services. However, the effectiveness of financing largely depends on the appropriateness of the products to women’s needs, including flexible repayment schemes, simple contract structures, and the availability of mentoring and financial literacy programs. This study concludes that appropriately designed Islamic group financing products can serve as an effective instrument in promoting sustainable women’s economic empowerment. Therefore, a holistic and gender-sensitive approach is essential in developing Islamic financial products to ensure more optimal and inclusive outcomes.
Peningkatan Pengetahuan Masyarakat di Lampung mengenai Dampak Positip dan Negatif Penggunaan Teknologi Yuniar Sari; Ridwansyah; Erike Anggraeni
Jurnal Abdimas Mahakam Vol. 8 No. 01 (2024): Januari
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24903/jam.v8i01.2617

Abstract

Era Society 5.0 menandai transisi menuju masyarakat yang berfokus pada integrasi teknologicanggih untuk meningkatkan kualitas hidup manusia. Dalam era ini, kolaborasi antaraakademisi dan masyarakat menjadi kunci untuk mencapai kesejahteraan bersama. Kegiatanpengabdian kepada masyarakat ini bertujuan untuk mengeksplorasi potensi sinergi antaraakademisi dan masyarakat dalam menciptakan solusi berkelanjutan untuk tantangan kompleksdi era Society 5.0. Metode yang digunakan dalam kegiatan ini meliputi tiga tahapan yakniperencanaan, pelaksanan, dan evaluasi. Kegiatan disampaikan dengan metode ceramah dandiskusi bersama setelah dilakukan ceramah. Hasil kegiatan ini menunjukkan bahwa kolaborasiaktif antara akademisi dan masyarakat memungkinkan pertukaran pengetahuan, keahlian, dansumber daya untuk menciptakan inovasi yang memenuhi kebutuhan masyarakat. Inisiatifseperti program pengabdian masyarakat dan proyek kolaboratif memainkan peran kunci dalammembangun hubungan yang saling menguntungkan antara akademisi dan masyarakat.Pentingnya memahami kebutuhan dan aspirasi masyarakat lokal dalam proses pengembangansolusi juga menjadi sorotan dari penelitian ini. Dengan melibatkan masyarakat dalam tahapperencanaan dan implementasi, solusi yang dihasilkan memiliki dampak positif yang lebihbesar. Kegiatan ini memberikan kontribusi penting terhadap pemahaman tentang bagaimanamembangun sinergi yang efektif antara akademisi dan masyarakat di era Society 5.0. Temuanini dapat menjadi landasan untuk pengembangan strategi dan kebijakan yang mendukungkolaborasi yang berkelanjutan dalam rangka mencapai kesejahteraan bersama.
Pengaruh Kebijakan Keringanan Pajak dan Tingkat Pendidikan terhadap Kepatuhan Membayar PBB-P2 Menurut Perspektif Ekonomi Islam (Studi pada Wajib Pajak PBB di Kecamatan Teluk Betung Barat) Devi Ratna Diningsih; Ridwansyah Ridwansyah; Yulistia Devi
Jurnal Intelek Insan Cendikia Vol. 3 No. 04 (2026): April 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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

Abstract

Realisasi penerimaan PBB-P2 seringkali tidak mencapai target karena minimnya kepatuhan masyarakat. Di Kecamatan Teluk Betung Barat masih terjadi penunggakan, keterlambatan, dan ketidakpatuhan dalam pembayaran PBB. Maka dari itu, penting untuk mengkaji berbagai faktor yang memengaruhi kepatuhan wajib pajak. Studi ini bermaksus melaksanakan analisis terhadap pengaruh kebijakan keringanan pajak dan tingkat pendidikan terhadap kepatuhan membayar PBB-P2 berdasarkan pandangan ekonomi islam pada wajib pajak PBB-P2 Kecamatan Teluk Betung Barat periode 2019-2024. Kuantitatif merupakan metode yang diterapkan dengan sampel sejumlah 100 responden. Data dikumpulkan melalui kuesioner, dokumentasi, serta kepustakaan. Pada kajian ini, data primer merupakan sumber data yang dipergunakan. Instrumen penelitian yang diterapkan adalah skala model analisis yakni analisis linear berganda berbantuan software SPSS versi 22. Hasil menunjukkan kebijakan keringanan pajak mempengaruhi kepatuhan membayar PBB-P2 secara signifikan. Sementara itu, hasil tingkat pendidikan tidak mempengaruhi kepatuhan membayar PBB-P2 secara signifikan.
Kontribusi Produk Pembiayaan Kelompok Syariah Yang Tepat Terhadap Pemberdayaan Ekonomi Perempuan Resta Rentika Maharani; Erike Anggraeni; Ridwansyah Ridwansyah
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 4 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v7i4.10834

Abstract

This study aims to analyze the contribution of appropriate Islamic group financing products to women’s economic empowerment. Women’s economic empowerment is a critical issue in sustainable development, particularly in improving women’s access to financial resources, business opportunities, and economic decision-making. This research adopts a qualitative approach using a literature review method, examining various academic sources such as journal articles, books, and relevant reports. Data were collected through academic databases and analyzed using descriptive and content analysis techniques to identify patterns, relationships, and key findings. The findings reveal that Islamic group financing significantly contributes to increasing women’s income, economic independence, and decision-making capacity. The group-based financing model, which applies joint liability mechanisms, has proven effective in reducing financing risks while strengthening social cohesion and mutual support among members. Furthermore, Islamic financial principles such as justice, profit-sharing, and the prohibition of riba provide a more ethical and inclusive framework for women to access financial services. However, the effectiveness of financing largely depends on the appropriateness of the products to women’s needs, including flexible repayment schemes, simple contract structures, and the availability of mentoring and financial literacy programs. This study concludes that appropriately designed Islamic group financing products can serve as an effective instrument in promoting sustainable women’s economic empowerment. Therefore, a holistic and gender-sensitive approach is essential in developing Islamic financial products to ensure more optimal and inclusive outcomes.
Analisis Perkembangan Fintech Terkait Central Bank Digital Currency (Central Bank Digital Currency (CBDC)) Dalam Transmisi Kebijakan Moneter Islam (Studi pada Pengguna Bank Syariah Indonesia (BSI)) Fiska Usia Wati; Ridwansyah Ridwansyah; Ersi Sisdianto
QISTINA: Jurnal Multidisiplin Indonesia Vol. 5 No. 1 (2026): June 2026
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/qistina.v5i1.8025

Abstract

Penelitian ini bertujuan untuk menganalisis perkembangan Financial Technology (Fintech) yang berkaitan dengan Central Bank Digital Currency (CBDC) dalam mendukung transmisi kebijakan moneter Islam, dengan studi pada pengguna Bank Syariah Indonesia (BSI) di Bandar Lampung. Tujuan khusus penelitian ini adalah untuk mengetahui tingkat pemahaman dan penerimaan pengguna terhadap konsep CBDC berbasis syariah, menganalisis dampak penggunaannya terhadap perilaku keuangan, serta mengidentifikasi kekhawatiran dan tantangan yang dihadapi. Penelitian ini menggunakan pendekatan kualitatif dengan teknik analisis data mengacu pada model Miles dan Huberman, yang meliputi reduksi data, penyajian data, dan penarikan kesimpulan. Data dikumpulkan melalui wawancara dan observasi terhadap karyawan dan nasabah BSI di Bandar Lampung. Hasil penelitian menunjukkan bahwa mayoritas responden memiliki persepsi positif terhadap CBDC sebagai inovasi keuangan digital yang dapat meningkatkan efisiensi transaksi, memperluas inklusi keuangan, dan memperkuat sistem keuangan syariah. Namun, tingkat pemahaman masyarakat masih terbatas sehingga diperlukan edukasi dan sosialisasi lebih lanjut. CBDC dinilai mampu mempercepat transaksi dan meningkatkan transparansi apabila dikelola sesuai prinsip syariah, meskipun masih terdapat kekhawatiran terkait keamanan data, kesiapan infrastruktur digital, dan kejelasan regulasi. Secara keseluruhan, penerapan CBDC berpotensi memperkuat transmisi kebijakan moneter Islam melalui peningkatan efisiensi sistem pembayaran dan kepercayaan publik terhadap sistem keuangan syariah. Keberhasilannya bergantung pada sinergi antara Bank Indonesia, DSN-MUI, dan BSI dalam memastikan kesiapan teknologi, regulasi, serta literasi digital masyarakat.
Analisis Maqashid Syariah terhadap Manajemen Risiko Imbal Hasil pada Bank Pembiayaan Rakyat Syariah SHALAHUDIN HABIBULLAH; Isti Safira; Ogi Marsenal Apindo; Ridwansyah; Wan Ruslan Abdul Ghani
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 8 No. 1 (2026): Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/hrs4mg54

Abstract

Risiko imbal hasil pada Bank Pembiayaan Rakyat Syariah tidak hanya merupakan persoalan teknis dalam pengelolaan aset dan liabilitas, tetapi juga berkaitan dengan kepatuhan terhadap prinsip hukum ekonomi syariah. Ketidaksesuaian antara kinerja pembiayaan dan ekspektasi imbal hasil nasabah dapat menimbulkan persoalan keadilan akad, transparansi informasi, perlindungan harta, dan keseimbangan hak serta kewajiban antara bank dan nasabah. Penelitian ini bertujuan untuk menganalisis manajemen risiko imbal hasil pada Bank Pembiayaan Rakyat Syariah melalui perspektif maqashid syariah serta merumuskan kerangka konseptual yang mengintegrasikan dimensi risiko, tata kelola syariah, dan perlindungan kepentingan nasabah. Penelitian ini menggunakan pendekatan kualitatif-konseptual melalui studi pustaka sistematis terhadap literatur akademik, regulasi perbankan syariah, dan dokumen yang relevan dengan manajemen risiko serta tata kelola BPRS. Data dianalisis menggunakan analisis isi melalui tahapan identifikasi isu, klasifikasi konsep, pemetaan norma maqashid, dan sintesis konseptual. Hasil penelitian menunjukkan bahwa praktik manajemen risiko imbal hasil pada BPRS masih cenderung berorientasi pada stabilitas finansial dan belum sepenuhnya menempatkan maqashid syariah sebagai dasar normatif dalam pengambilan keputusan risiko. Kebaruan penelitian ini terletak pada penempatan maqashid syariah sebagai instrumen analisis normatif-yuridis untuk menilai kesesuaian manajemen risiko imbal hasil dengan prinsip perlindungan harta, keadilan distribusi, transparansi, dan kemaslahatan. Penelitian ini menegaskan bahwa tata kelola risiko BPRS perlu diarahkan tidak hanya untuk menjaga keberlanjutan institusi, tetapi juga untuk memastikan kepatuhan syariah, keadilan kontraktual, dan perlindungan nasabah secara berkelanjutan.
The Impact of Government Expenditure, Investment, and Unemployment on Indonesia's Growth: Islamic Economic Perspective Nurjannah Anggraini; Ridwansyah Ridwansyah; Ujang Hanief Musthofa
Keizai Vol 7, No 1 (2026): Maret-Agustus
Publisher : Universitas Darwan Ali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56589/keizai.v7i1.577

Abstract

This study aims to analyze the influence of government expenditure, investment, and the open unemployment rate on economic growth across 34 provinces in Indonesia during the 2020–2024 period. A quantitative approach using panel data methodology was applied, utilizing secondary data sourced from the Central Bureau of Statistics (BPS) and the Directorate General of Fiscal Balance (DJPK). Data analysis was conducted through panel data regression using EViews 9 software, with the Fixed Effect Model (FEM) selected as the best-fit model. The results indicate that, partially, government expenditure has no significant effect on economic growth. Conversely, investment has a positive and significant impact, while the open unemployment rate has a negative and significant effect on economic growth. From an Islamic economic perspective, economic growth should not be oriented solely toward increasing material output but must also encompass the creation of justice, balance, and general welfare (maslahah) for the entire society
Co-Authors A. Zuliansyah Abib Novriyanto Anip Dwi Saputro, Anip Dwi Ashari Seribu Dinar Bela Mawarni Dania Helin Amrina Devi Ratna Diningsih Eka Yuni Hartati Erike Anggraeni Ersi Sisdianto Febyviani Dwimutian Fiska Usia Wati Gusthia Wahyuni Hasrul Zen Helma Marariza Helma Marariza Heni Verawati Icha Afrillia Hidayat Inova Fitri Siregar Isti Safira Kustia Kustia Marisa Rizki Muhammad Iqbal Fasa Mulya Jayanti Putri Septina Napu, Fithriah Nur Wahyu Ningsih Nurjannah Anggraini Ogi Marsenal Apindo Okta Supriyaningsih Resta Rentika Maharani Riza Arizona SHALAHUDIN HABIBULLAH Sinta Ayu Purnamasari Sugianto, Efendi Suhendar Suhendar Sukardi Sukardi Ujang Hanief Musthofa Wan Ruslan Abdul Ghani Wan Ruslan Abdul Ghani Yulistia Devi Yuniar Sari