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All Journal JAS (Journal of ASEAN Studies) Jesya (Jurnal Ekonomi dan Ekonomi Syariah) International Journal of Business Studies El-Qist : Journal of Islamic Economics and Business (JIEB) Masyarakat Indonesia International Journal Mathla'ul Anwar of Halal Issues International Journal of Informatics, Economics, Management and Science Journal of Indonesian Economy and Business International Economic and Finance Review Jurnal Karya untuk Masyarakat (JKuM) Jurnal Administrasi dan Kesekretarisan
Bhinekawati, Risa
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The effect of service quality and quality of savings products on customer satisfaction at islamic banks in Indonesia bekasi branch office 2 Umi Kulsum; Risa Bhinekawati; Saprudin Saprudin
International Journal of Informatics, Economics, Management and Science (IJIEMS) Vol 1 No 2 (2022): IJIEMS (August 2022)
Publisher : Sekolah Tinggi Manajemen Informatika dan Komputer Jayakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (571.735 KB) | DOI: 10.52362/ijiems.v1i2.882

Abstract

The purpose of this study was to find out whether there is an influence between service quality and the quality of savings products partially on customer satisfaction at Bank Syariah Indonesia. The second objective is to determine whether there is an effect between the quality of service and the quality of savings products simultaneously on customer satisfaction at Bank Syariah Indonesia. The results of the study indicate that there is an effect of service quality and the quality of savings products partially or simultaneously on customer satisfaction at Bank Syariah Indonesia. The quality of service in this study affects customer satisfaction and the quality of savings products does not affect customer satisfaction.
The Role of University-Based Incubators in Social Entrepreneurship’s Development: The Capability Approach as an Evaluative Framework Matahari Farransahat; Risa Bhinekawati; Evelyn Hendriana
Journal of Indonesian Economy and Business Vol 36 No 3 (2021): September
Publisher : Faculty of Economics and Business, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (619.883 KB) | DOI: 10.22146/jieb.v36i3.1741

Abstract

Introduction/Main Objectives: This study evaluates the role of a large university in developing the social entrepreneurship capabilities of its students and fresh graduates through its business incubator; and investigates why tenants choose to be or not to be social entrepreneurs after their incubation process. Background Problems: There are many discussions about university-based incubators for developing entrepreneurship, but the actual mechanism of how these incubators develop social entrepreneurs is still unknown. Novelty: This research explores the development of social entrepreneurship through the university-based incubator program. Hence, it can be used to provide best practices for the program, especially for developing the tenants’ capacity. Research Methods: This study applies a case study approach and adopts Amartya Sen’s capability approach as an evaluative framework. The C-Hub UGM was chosen as a case since it was selected as a good example of a social entrepreneurship incubator by the British Council. This research used three sources of evidence: documents, interviews, and focus group discussions to collect information from 14 of the incubator’s tenants. Finding/Results: The results reveal that the incubator serves as a hub for the resources that enhance the tenants’ personal conversion factors and their performance as agents for change. Subsequently, the incubator improves the tenants’ social entrepreneurship capabilities set; however, it is up to the tenants to choose whether they want to continue as social entrepreneurs or work in other roles as their functioning. Conclusion: This study illuminates the linkages among the concepts of the capability approach, the university-based incubator and social entrepreneurship. It reveals that the university-based incubator serves as a hub for the resources that enhance the tenants’ personal conversion factors; thereby they can be effective social entrepreneurs.
Analisis Sumber dan Alokasi Pembiayaan UMKM dalam Pandangan Fiqih Muamalah Risa Bhinekawati; Siti Nurhalimah Tussa’diyah; Saprudin Saprudin
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 6 No 2 (2023): Article Research Volume 6 Number 2, Juni 2023
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v6i2.1120

Abstract

Artikel ini menganalisis sejauh mana suatu UMKM yang bergerak di bidang kebersihan, mendapatkan sumber pembiayaan dan mengalokasikan pembiayaannya dari sudut pandang fiqih muamalah. Penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan studi kasus. Metode pengumpulan data pada penelitian ini menggunakan observasi, wawancara, dan dokumentasi. Hasil penelitian ini menunjukan bahwa 1) sumber pembiayaan pada UMKM tersebut berasal dari para pemegang saham, perbankan dan juga supplier; 2) dalam implementasi sumber pembiayaannya, untuk modal investasi awal hanya menggunakan dana dari para pemegang saham, untuk modal kerja bersumber dari supplier dan juga pinjaman kartu kredit perbankan sedangkan untuk modal operasional bersumber dari keuntungan bersih yang dikumulatifkan setiap minggu dan bulannya; 3) hasil tinjauan fiqih muamalah menunjukan bahwa sumber dan alokasi pembiayaan yang dilakukan UMKM tersebut diperkirakan adanya unsur riba dikarenakan masih menggunakan akun dan kartu kredit dari bank konvensional, namun diperlukan penelitian lebih lanjut karena perusahaan hanya menggunakan akun dan kartu kredit untuk alat transaksi. Adapun untuk unsur maisir dan gharar tidak ditemukan dalam sumber maupun implementasi pembiayaan UMKM tersebut. Hasil penelitian ini dapat dipergunakan oleh para pelaku UMKM dalam menganalisa implementasi pembiayaan yang telah mereka pergunakan, apakah sudah sesuai dengan kaidah fiqih muamalah.
KONSEP PENGELOLAAN HARTA NEGARA BERDASARKAN PEMIKIRAN BAQIR AS-SADR Muhammad Yusuf Ibrahim; Sebastian Herman; Risa Bhinekawati
International Journal Mathla’ul Anwar of Halal Issues Vol. 3 No. 1 (2023)
Publisher : Universitas Mathla’ul Anwar Banten

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

Abstract

Studi ini merupakan kajian literatur mengenai pemikiran Baqir As-Sadr tentang pengelolaan harta negara. Studi ini juga akan menjelaskan mengenai latar belakang Baqir As-Sadr, dasar filsafat pemikirannya, pandangan beliau mengenai harta dan cara pengelolaannya. Untuk itu, penelitian ini mengadopsi pendekatan kualitatif dengan dua tahapan metode, yaitu metode tinjauan literatur untuk mempelajari pemikiran Baqir As-Sadr tentang pengelolaan harta dan dilanjutkan dengan analisis deskriptif untuk menjelaskan pemikiran beliau khususnya dalam pengelolaan harta negara sesuai dengan konteks Indonesia. Hasil studi menunjukkan bahwa tujuan utama dari pengelolaan harta menurut As-Sadr adalah kesejahteraan sosial. Untuk mencapai tujuan tersebut perlu diterapkan beberapa kebijakan strategis seperti kepemilikan yang harus ditiadakan untuk swasta dan dirubah menjadi hak pengelolaan atau pemanfaatan saja. Hal itu bertujuan untuk memastikan produksi yang tidak berlebihan dan bermanfaat bagi masyarakat. Sehingga distribusi bisa diatur sedemikian rupa dan negara dapat mengatur distribusi secara baik dan merata.
KONSEP PENGELOLAAN HARTA NEGARA BERDASARKAN PEMIKIRAN BAQIR AS-SADR Muhammad Yusuf Ibrahim; Sebastian Herman; Risa Bhinekawati
International Journal Mathla’ul Anwar of Halal Issues Vol. 2 No. 2 (2022)
Publisher : Universitas Mathla’ul Anwar Banten

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

Abstract

Studi ini merupakan kajian literatur mengenai pemikiran Baqir As-Sadr tentang pengelolaan harta negara yang harus dilakukan oleh aparat negara. Studi ini juga akan menjelaskan mengenai latar belakang Baqir As-Sadr, dasar filsafat pemikirannya, pandangan beliau mengenai harta dan cara pengelolaannya. Untuk itu, penelitian ini mengadopsi pendekatan kualitatif dengan dua tahapan metode, yaitu metode tinjauan literatur untuk mempelajari pemikiran Baqir As-Sadr tentang pengelolaan harta dan dilanjutkan dengan analisis deskriptif untuk menjelaskan pemikiran beliau khususnya dalam pengelolaan harta negara sesuai dengan konteks Indonesia. Hasil studi menunjukkan bahwa tujuan utama dari pengelolaan harta menurut As-Sadr adalah kesejahteraan sosial. Untuk mencapai tujuan tersebut perlu diterapkan beberapa kebijakan strategis seperti kepemilikan yang harus ditiadakan untuk swasta dan dirubah menjadi hak pengelolaan atau pemanfaatan saja. Hal itu bertujuan untuk memastikan produksi yang tidak berlebihan dan bermanfaat bagi masyarakat. Sehingga distribusi bisa diatur sedemikian rupa dan negara dapat mengatur distribusi secara baik dan merata.
The Relevance of Sayyid Jamaluddin al Afghani's Thoughts for Indonesia in Facing the Challenges of Globalisation Risa Bhinekawati; Ita Sitasari; Muhammad Najib
International Economic and Finance Review Vol. 1 No. 2 (2022): INTERNATIONAL ECONOMIC AND FINANCE REVIEW (IEFR)
Publisher : Sekolah Tinggi Ekonomi dan Perbankan Islam Mr. Sjafruddin Prawiranegara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56897/iefr.v1i2.11

Abstract

This article discusses the life journey of Sayyid Jamaluddin Al Afghani (1938-1897), his thoughts and teachings on Islamic modernisation and their relevance for Indonesia in facing today’s free trade. Using the historical narrative writing method, this article describes the history of Afghani’s life and works. Furthermore, the author analyses the main points of Afghani’s thoughts, especially in terms of rationalism, the six principles of truth (Arkan al-Sittah) in dealing with materialism, Qadha and Qadar, and the role of government, and writes down their relevance for Indonesia in facing competition in the era of globalisation. In the face of global competition, the author argues that Afghani’s thinking can be applied to Indonesia at two levels. At the country level, Indonesia can use it to improve its economic diplomacy strategy. Meanwhile, at the community level, the Indonesian people can apply it in determining the choice of social and economic activities to be more in favour of domestic products. With the collective strength of the community, it is hoped that Indonesia can be economically independent. Keywords: al-Radd ‘ala al-Dahriyyin, Arkan al-Sittah, Globalisation, Jamaluddin al-Afghani, Qadha and Qadar
The Influence of Reciprocity and Trust on Satisfaction of Members of Sharia Cooperatives in Indonesia: A Social Capital Perspective Bhinekawati, Risa; Yunita, Patria
International Journal of Business Studies Vol. 8 No. 2 (2024): International Journal of Business Studies
Publisher : Sekolah Tinggi Manajemen IPMI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32924/ijbs.v8i2.330

Abstract

Islamic Micro Finance Institution in the form of sharia cooperatives called Baitul Maal wa Tamil or BMT have grown significantly in Indonesia in the past four decades, and have contributed to improvements of livelihood of their members and poverty eradication. Using the social capital theory, this study aims to investigate whether trust and reciprocity are factors that influence satisfaction of members BMTs in Indonesia. The study gathered 200 respondents from eight sharia cooperatives in six provinces of Indonesia. Using multiple regression models, the collected data was tested and further analyzed using SPSS 24.0 Software. This research found that Reciprocity and Trust have a positive and significant influence on the Satisfaction of sharia cooperative members. Sharia cooperative management can apply the results of this research to improve cooperative performance by building mutually beneficial and trusting relationships with its members. The results of this study can be generalized to sharia cooperatives, while the application to conventional cooperatives needs to be further studied. This research provides empirical evidence for the application of Social Capital Theory in explaining the factors influencing the satisfaction of sharia cooperative members that was not studied before.
Synergizing Islamic Microfinance Institution with Village Owned Enterprise Initiative: A Holistic Approach for Village Development: Sinergi Lembaga Keuangan Mikro Syariah dan Badan Usaha Milik Desa: Pendekatan Komprehensif untuk Pembangunan Desa Bhinekawati, Risa
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 11 No. 1 (2021): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2021.11.1.1-16

Abstract

This study aims at exploring potential synergies between Islamic Microfinance Institution (Baitul Maal wa Tamwil - BMT) and Village Owned Enterprise (BUMDes) as a holistic approach for improving the livelihood of people living in villages. It applies a semi-systematic review of the literature to explore potential synergies between BMT and BUMDes in strategizing and implementing their social and financial roles to improve people's prosperity and well-being. This study finds two potential models for BMT-BUMDes synergies depending on whether BMT and BUMDes already exist in the village. First, a strategic partnership model can be established when both BMT and BUMDes have been established in a village. They can form a strategic alliance as separate entities, where BMT provide social and financial supports for BUMDes based on shariah principles. Second, an integrated BMT-BUMDes can be developed in three situations: 1) when there is BMT but no BUMDes, the BMT can expand its coverage to cover BUMDes businesses; 2) when there is a BUMDes but no BMT, the BUMDes can establish a BMT as its business unit; 3) when there is no BMT or BUMDes in a village, a combination of BUMDes and BMT as an institution can be established. These two models are possible within current government regulations. Keywords: Baitul Maal wat Tamwil; BMT; BUMDes; Islamic Microfinance Institution; Village-owned Enterprise.   Abstrak: Penelitian ini bertujuan untuk menggali potensi sinergitas antara Lembaga Keuangan Mikro Islam (Baitul Maal wa Tamwil - BMT) dan Badan Usaha Milik Desa (BUMDes) dengan pendekatan holistik untuk meningkatkan taraf hidup masyarakat yang tinggal di pedesaan. Peneliti menggunakan tinjauan literatur semi sistematis untuk mengeksplorasi potensi sinergi antara BMT dan BUMDes dalam menyusun strategi dan melaksanakan peran sosial serta keuangan mereka dalam meningkatkan kesejahteraan dan kemakmuran masyarakat. Penelitian ini menemukan dua model potensial sinergitas BMT-BUMDes dengan bergantung pada apakah sudah ada BMT dan BUMDes di desa tersebut atau tidak. Pertama, model kemitraan strategis dapat dibangun ketika BMT dan BUMDes telah dibentuk di suatu desa. Mereka dapat membentuk aliansi strategis sebagai entitas terpisah, di mana BMT memberikan dukungan sosial dan finansial kepada BUMDes berdasarkan prinsip syariah. Kedua, BMT-BUMDes yang terintegrasi dapat dikembangkan dalam tiga situasi: 1) ketika ada BMT tetapi tidak ada BUMDes, BMT dapat memperluas cakupannya untuk mencakup bisnis BUMDes; 2) bila ada BUMDes tetapi tidak ada BMT, BUMDes dapat membentuk BMT sebagai unit usahanya; 3) apabila di suatu desa belum ada BMT atau BUMDes maka dapat dibentuk gabungan BUMDes dan BMT sebagai kelembagaan. Kedua model ini dimungkinkan dalam peraturan pemerintah saat ini. Kata Kunci: Baitul Maal wat Tamwil; BMT; BUMDes; Lembaga Keuangan Mikro Syariah; Badan Usaha Milik Desa.
The Influence of Maqāṣid Sharī‘ah Implementation on Satisfaction of Islamic Cooperatives’ Members Bhinekawati, Risa; Ascarya, Ascarya; Firdaus, Achmad
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 14 No. 2 (2024): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2024.14.2.112-140

Abstract

This study aims to elaborate on the application of indicators of five lower-order constructs of maqāṣid sharī‘ah in measuring the satisfaction of Islamic cooperative members. Subsequently, the Social Exchange Theory is used to explain the relationships among reciprocity, trust, maqāṣid sharī‘ah, and satisfaction. This study uses a quantitative approach by applying a two-stage reflective-formative analysis of Partial Least Square – Structural Equation Modeling (PLS-SEM). The data were collected from nine Islamic cooperatives in six provinces of Indonesia, where 247 valid questionnaires were processed and analyzed using SmartPLS software. The first stage of analysis confirmed that the indicators of five constructs of maqāṣid sharī‘ah (Religion, Life, Intellect, Lineage, and Trust) could be used as valid and reliable measurements for maqāṣid sharī‘ah. The second stage of the analysis found that maqāṣid sharī‘ah, together with reciprocity and trust, have a significant and positive influence on the satisfaction of sharī‘ah cooperative members. The results of this study can be generalized to the Islamic financial cooperatives. However, the application of the model to conventional cooperatives will require further research research. Consistent implementation of maqāṣid sharī‘ah would improve cooperatives members’ satisfaction and overall cooperatives performance. This study confirms that indicators and variables of maqāṣid sharī‘ah can be applied as measurements to analyze the satisfaction of Islamic cooperative members. It also provides empirical evidence of the application of Social Exchange Theory in the context of Islamic cooperatives, which has not been done by previous studies. Future studies are recommended to test this model in non-Islamic cooperatives, expand the dataset across Muslim-majority countries, and explore longitudinal impacts of maqāṣid-based governance on institutional sustainability.
Factors Affecting Employee Loyalty: Lessons From Millennials Working In E-Commerce Companies In Jakarta Jasmine Jemilia Maulidiani; Risa Bhinekawati
Jurnal Administrasi dan Kesekretarisan Vol 5 No 2: September 2020
Publisher : Universitas Tarakanita

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36914/x6qwmx04

Abstract

A large middle-class group of Indonesia is predominantly made up of millennials, who are vastly becoming the majority of the workforce, especially leading the Indonesian digital technology industry. Studies have shown that millennials tend to have a higher turnover rate than other generations . A substantial amount of studies and research analyzing the factors affecting employee loyalty have been conducted worldwide, with different scopes. Factors such as trust in management, trust in peers, and empowerment, with the mediating variable of employee satisfaction, have also been studied and found to have considerable effect on employee loyalty. To extend previous research, this study investigates the effect of trust in management, trust in peers, and empowerment on employee satisfaction as an intervening variable, and the effect of employee satisfaction on employee loyalty. This quantitative research analyzes the causal relationships between the variables mentioned by surveying a total of 100 millennial employees of e-Commerce companies in Jakarta as respondents. The study finds that that trust in management and empowerment have have positive and significant effect on employee satisfaction, and subsequently on employee loyalty. However, trust in peers does not have impact on employee satisfaction and subsequent employee loyalty. Theoretically, the result of this research strengthens the findings of previous studies on the relationships among the observed variables, in the context of e-commerce millennial employees, in Jakarta. Practically, companies in Jakarta in developing human resources management strategies to attract and retain millennial employees by understanding the factors affecting their employee satisfaction and employee loyalty.
Co-Authors Achmad Firdaus Ascarya Ascarya Daniya Daniya Evelyn Hendriana Ita Sitasari Jasmine Jemilia Maulidiani Matahari Farransahat Maulidiani, Jasmine Jemilia Muhammad Najib Muhammad Yusuf Ibrahim Rakhmani, Vera Andriana Saprudin Saprudin Sebastian Herman Siti Nurhalimah Tussa’diyah Suryono Suryono Tania Lasmaya Putritami Umi Kulsum Vera Andriana Rakhmani Willy Budi Wibowo Yunita, Patria