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All Journal International Journal of Advances in Applied Sciences ETIKONOMI Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Laa Maisyir Jurnal Ekonomi Islam Jurnal Ekonomi Syariah Teori dan Terapan BAKI (Berkala Akuntansi dan Keuangan Indonesia) Journal of Information Systems Engineering and Business Intelligence Jurnal Ekonomi dan Bisnis Islam Journal of Geoscience, Engineering, Environment, and Technology Jurnal Ilmiah Ekonomi Islam Perisai : Islamic Banking and Finance Journal al-Uqud : Journal of Islamic Economics Jurnal Riset Akuntansi dan Keuangan Al-Muzara'ah Jurnal Ekonomi & Keuangan Islam AFEBI Islamic Finance and Economic Review MALIA Shirkah: Journal of Economics and Business Istinbath: Jurnal Hukum dan Ekonomi Islam Journal of Indonesian Tourism, Hospitality and Recreation Iqtishoduna: Jurnal Ekonomi Islam Journal of Leadership in Organizations Justisia Ekonomika Ulumuna: Jurnal Studi Keislaman Economic Education and Entrepreneurship Journal Iqtishodia: Jurnal Ekonomi Syariah Proceedings of Annual Conference for Muslim Scholars ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Quantitative Economics and Management Studies Daengku: Journal of Humanities and Social Sciences Innovation Daluang: Journal of Library and Information Science Journal of Islamic Economic and Business Research Telaah Bisnis Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah Jurnal Ekonomika dan Bisnis Islam JRABA Jurnal Riset Public Relations JURNAL AGROINDUSTRI HALAL Jurnal Perbankan Syariah Darussalam (JPSDa) International Journal of Emerging Issues in Islamic Studies Jurnal Kepariwisataan: Destinasi, Hospitalitas dan Perjalanan eJEBA
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A Risk-Based Bank Rating: Studi Multi Kasus pada Perbankan Syariah Rofiqoh, Siti Nur Indah; Ratnasari, Ririn Tri; Rufaidah, Anik; Hasib, Fatin Fadhilah
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 6 No 1 (2022)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (422.032 KB) | DOI: 10.33379/jihbiz.v6i1.1039

Abstract

This paper aims to explain the internal and external factors on the credit risk that represented by Non-Performing Financing (NPF) of sharia bank. Internal variables related to Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR). Return on Assets (ROA), Operating Expenses Ratio (OER), Investment Proportion and Risk (IPR), Profit and Loss Sharing (PLS) as financing ratio. External variables related to Gross Domestic Product (GDP) by industrial origin. The annual data report of Statistik Perbankan Syariah (SPS) and Statistik Ekonomi Keuangan Indonesia (SEKI) in Indonesia as secondary data is used to support priority setting of SWOT analysis element to complete IFAS dan EFAS after the multiple regression analysis. Different with the result of regression t and f-Statistic analysis, the finding indicated that internal variables more influence than external variable on the credit risk based on SWOT priority analysis. The most influence variable on the credit risk is increasing Operating Expenses Ratio (OER). The limitations of this paper are expected to have difference implication for SPS, the sharia compliance from regulator management and the important role of SPS and SEKI.
FAKTOR YANG MENENTUKAN MUZAKKI BERDONASI KEMBALI DI LEMBAGA ZAKAT Basit, Abdul; jaenudin, muhammad; Ratnasari, Ririn Tri
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i2.15407

Abstract

This study aims to determine the muzakki's factors to re-donate in LAZNAS IZI. In addition, this study also wants to know the effect of service quality factors and the institution's reputation on the intention to re-donate at LAZNAS IZI. This study uses multiple linear regression by testing the effect of the Independent variables (X) on the Dependent variable (Y). There are four independent variables, namely Service Quality (X1), Reputation (X2), Attitude (X3), and Trust (X4). The dependent variable used is Intention to Redonation (Y). Primary data were obtained from questionnaires distributed to 97 IZI Zakat Institution donors who had donated more than once. From this research, it can be seen that Service Quality partially influences the interest to donate Back to IZI Zakat Institution. While Reputation, Attitude, and Trust partially have no effect. However, simultaneously all variables affect the interest of donors to re-donate to LAZNAS IZI. This study can be used by LAZNAS IZI as a reference to maintain several variables that are factors that donors are willing to redonation. In addition, variables that do not have a direct effect need to be developed with other variables together to have an effect and increase the donor's intention to redonation. The addition of the number of respondents and LAZ studied can also enrich the results of subsequent studies
Analysis of the Implementation of Subsidized Homeownership credit Financing Based on the Concept of Maslahah Sopingi, Imam; Ririn Tri Ratnasari; Imron Mawardi
MALIA: Jurnal Ekonomi Islam Vol 15 No 1 (2023)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v15i1.4173

Abstract

This research aims to analyze the implementation of subsidized home ownership credit financing based on the concept of Maslahah at Bank Tabungan Negara, branch office in Jombang. The research method employed is a qualitative case study with six techniques for data collection, including the researcher's direct participation with the research subject and conducting direct interviews with key informants from the financing service department. The research findings reveal that subsidized home ownership credit is one form of financing provided to the community to purchase homes, with the support of the government through collaboration with Bank Tabungan Negara, branch office in Jombang. Bank Tabungan Negara, branch office in Jombang, also offers various flexible repayment schemes to its customers. However, this research has limitations, such as its focus on a single location and an inability to describe variations in implementation at other locations. Furthermore, the research findings can have positive implications, particularly in the development of more effective policies and programs that align with the community's needs, by offering repayment options that suit customers' financial conditions.
Bibliometric Insights into Shared Leadership: Integrating Islamic Leadership and Entrepreneurship Values Hendratmi, Achsania; Ratnasari, Ririn Tri
Journal of Leadership in Organizations Vol 7, No 2 (2025): Journal of Leadership in Organizations
Publisher : Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/jlo.103753

Abstract

Introduction/Main Objectives: This study explores shared leadership approaches integrating Islamic leadership and Islamic entrepreneurship values using bibliometric methods. The research aims to provide insights into shared leadership development and its connection to Islamic principles. Background Problems: Shared leadership is an emerging paradigm in leadership studies, focusing on team performance, virtual collaboration, and cultural diversity. However, its linkage with Islamic values such as justice, deliberation, and blessings remains underexplored. This gap highlights the need for further investigation. Novelty: The novelty of this research lies in mapping shared leadership literature from 1996 to 2024 and uncovering its potential integration with Islamic values. This perspective has not been addressed comprehensively in prior studies. Research Methods: This study conducts a bibliometric analysis of 437 documents from the Scopus database. The study identifies trends, dominant themes, and contributions from authors and institutions in shared leadership research. Findings/Results: The findings reveal the significant growth of shared leadership research, emphasizing team performance, virtual collaboration, and cultural diversity. This study highlights the potential of Islamic leadership principles to enhance team collaboration, justice, shura (deliberation), blessings, and ta'awun (cooperation). Conclusion: This research provides new insights into integrating spiritual and professional values in modern leadership theory. Shared leadership in the context of Islamic entrepreneurship emerges as an inclusive, socially impactful model. The study offers strategic directions for future research and practical applications.
Model Islamic Corporate Governance (ICG) Wakaf Uang Berbasis Kewirausahaan: Studi Multi Kasus di Indonesia dan Malaysia Tri Ratnasari, Ririn; Nur Indah Rofiqoh, Siti; Sukmana, Raditya; Alimin, Alimin; Sulistyowati, Sulistyowati
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol. 14 No. 1 (2021): Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47411/al-awqaf.v14i1.134

Abstract

This study aims to determine the Islamic Corporate Governance (ICG) model of entrepreneurship-based cash waqf. Using qualitative research methods and a multi-case study approach, research data were obtained primarily (in-depth interviews), online report documentation, journal articles, and books. Data analysis conclude that the ICG model of entrepreneurship-based cash waqf is built from a unique waqf membership model (waqf donations come from the company's Corporate Social Responsibility), determination of special donors, and determination of beneficiaries of waqf productivity funds in public facilities development programs that are integrated with entrepreneurial activities. This study recommends the issuance of entrepreneurship-based cash waqf shares, both permanent and temporary.
Glamour & Faith: How Korean Idol Brand Ambassador and Religiosity influence Luxury Goods Purchase Intentions? K. S., Salsabiilatul Ayniah; Ratnasari, Ririn Tri; Hapsari, Safira Arsyadin
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 11 No. 1 (2024): Februari-2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol11iss20241pp21-34

Abstract

ABSTRACT This research aims to investigate the purchase intention of Muslim Kpop fans towards luxury products promoted by Kpop idols as brand ambassadors. The study employs a quantitative method with the SEM-PLS approach to analyze the data and test the proposed hypotheses. It involves 117 respondents selected through purposive sampling criteria of being Muslim Kpop fans in East Java. The research data consists of primary data obtained from questionnaires using a modified Likert 4-point format. The findings indicate that Kpop brand ambassadors significantly impact the attitudes of Muslim consumers and their intention to purchase luxury goods. While religious knowledge level weakens but not significantly, and price sensitivity does not weaken the intention of Muslim consumers to purchase luxury goods. The implications of this research expand the understanding of the dynamics of behavior among Muslim Kpop consumers regarding luxury products promoted by Kpop idols as brand ambassadors. Despite Islamic prohibitions on extravagance (tabdzir) and excessive behavior (israf) not directly reducing the purchase intention of Muslim Kpop consumers for luxury goods, it demonstrates the complexity of factors influencing their purchase decisions. Marketers can also utilize the findings of this research in planning marketing strategies, especially targeting millennial and Gen Z consumers. Keywords: luxury brand, Kpop, purchase intention, religiosity   ABSTRAK Penelitian ini bertujuan untuk mengetahui niat para penggemar kpop Muslim dalam membeli produk mewah yang dipromosikan oleh idol Kpop sebagai brand ambassador. Penelitian menggunakan metode kuantitatif dengan pendekatan SEM-PLS untuk menganalisis data dan menguji hipotesis yang diajukan. Penelitian ini melibatkan 117 responden serta menggunakan purposive sampling yang memiliki kriteria yaitu seorang kpopers Muslim di Jawa Timur. Data penelitian berupa data primer yang didapatkan dari hasil kuesioner dengan menggunakan format likert yang dimodifikasi menjadi Likert 4 poin. Hasil penelitian menunjukkan bahwa Kpop brand ambassador memiliki dampak positif signifikan terhadap sikap konsumen Muslim dan niat untuk membeli barang mewah. Tingkat pengetahuan agama melemahkan namun tidak signifikan, dan sensitivitas terhadap harga tidak melemahkan niat konsumen Muslim untuk membeli barang mewah. Implikasi penelitian ini adalah memperluas pemahaman tentang dinamika perilaku konsumen kpop Muslim terkait dengan produk mewah yang dipromosikan oleh idol Kpop sebagai brand ambassador. Meskipun larangan Islam terhadap pemborosan (tabdzir) dan perilaku berlebihan (israf) tidak secara langsung mengurangi niat konsumen Kpop Muslim untuk membeli barang mewah, hal ini menunjukkan kompleksitas faktor-faktor yang memengaruhi keputusan pembelian mereka. Para pemasar juga dapat menggunakan hasil penelitian ini dalam merencanakan strategi pemasaran, terutama untuk menargetkan generasi milenial dan z sebagai konsumen mereka.  Kata Kunci: luxury brand, Kpop, niat membeli, religiusitas
Interdisciplinary and Multidisciplinary Issues, Challenges and Opportunities for Developing Cash Waqf Indah Rofiqoh, Siti Nur; Ratnasari, Ririn Tri; Fadlillah, Nilna; Sulistyowati, Sulistyowati; Habibah, Aminatun
Proceedings of Annual Conference for Muslim Scholars Vol 3 No 1 (2019): AnCoMS 2019
Publisher : Koordinatorat Perguruan Tinggi Keagamaan Islam Swasta Wilayah IV Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (152.649 KB) | DOI: 10.36835/ancoms.v3i1.233

Abstract

This paper undertakes a survey of the case studies and literature review on cash waqf. The aim is to provide an understanding of the issues, challenges, and potential opportunities for developing cash waqf by SWOT-LISA analysis. Our survey reveals that three is a need to: (a) focus on new development program, including riil market sector, (b) establish the cash waqf statistical datasets, and (c) establish the robustness of the cash waqf finding.
Analisis sitasi publikasi tentang repositori bidang studi perpustakaan pada Web of Science selama pandemi Wardhana, Akhmad Kusuma; Ratnasari, Ririn Tri
Daluang: Journal of Library and Information Science Vol. 2 No. 1 (2022)
Publisher : UPT Perpustakaan Universitas Islam Negeri Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/daluang.v2i1.2022.10987

Abstract

Introduction. Library repositories are indispensable for academics during a pandemic. This study aims to analyze citation trends during a pandemic.Methodology. This study uses bibliometric methods to analyze metadata of publications on the Web of Science page. The samples collected were around 481 in the range of 2020-2022. Data were analyzed using Biblioshiny in R Studio.Results and discussion. The results found that the most citation trends were in journals with a medical scope. The journals with the most manuscripts are journals with a library scope. Meanwhile, the keywords with the most citations relate to the research methodology. Meanwhile, the number of citations during the pandemic is actually high, and even in journals with a medical scope, it can reach thousands every year.Conclusion. The citations related to repository publications in libraries are not only focused on journals with a library scope, but also focused on journals with non-libraries. 
THE INFLUENCE OF BRAND PERSONALITY, BRAND AWARENESS, FASHION CONSCIOUSNESS, AND SATISFACTION AS INTERVENING VARIABLES ON MUSLIM FASHION PRODUCT LOYALTY IN INDONESIA Zukhrufani, Alfitri; Ratnasari, Ririn Tri
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol 11, No 1 (2022): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis, UNTAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (349.47 KB) | DOI: 10.26418/jebik.v11i1.50406

Abstract

This research is intended to formulate a conceptual framework to determine the effect of the relationship between brand personality, brand awareness, fashion consciousness, and consumer satisfaction of Muslim women on Muslim fashion product loyalty. This research method is quantitative, with data collected by an online questionnaire and a variable measurement scale applied to a Likert scale. A sample is chosen through a purposive sampling technique, with characteristics respondents of Indonesian Muslim women who have bought and or used Muslim fashion products more than 1-2 times. The number of samples collected and successfully analyzed by as many as 155 of the 163 respondents since about eight questionnaires contained missing data. The study adopts the partial least square as a method of analysis, using SmartPLS 3.0 software. The study results show that brand personality influences consumer satisfaction for Indonesian Muslim women but has no effect on loyalty to Muslim fashion products. Brand awareness and fashion consciousness both affect the satisfaction of Indonesian Muslim women consumers and loyalty to Muslim fashion products.JEL: M30, M310, M370.
Google Play review analysis of digital mobile applications of Islamic microfinance institutions Alam, Azhar; Ratnasari, Ririn Tri; Nurrochman, Danang Dwi; Rahmawati, Estina
International Journal of Advances in Applied Sciences Vol 13, No 3: September 2024
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/ijaas.v13.i3.pp717-726

Abstract

The study aims to analyze user reviews of Islamic microfinance mobile applications to evaluate their effectiveness for micro, small, and medium-sized enterprises (MSMEs). Using the netnography method, this study collected and analyzed 4,131 reviews from the Google Play Store, focusing on applications with ratings above 4.5. The data was categorized into positive and negative reviews. Key findings indicate that users appreciate 50.42% of positive reviews expressed satisfaction and motivation to advance, 28.90% praised the ease of transactions via the application, and 20.68% appreciated the practical benefits in any payment, while with frequent errors (25.53%), issues with activation codes (21.28%), and transaction failures (17.02%) being the most common complaints. The study recommends improving technical reliability to enhance user satisfaction. Future research should explore user experiences in more diverse digital environments. This research contributes to understanding user perceptions and strengthening the development of Islamic microfinance applications.
Co-Authors Abdul Basit Abdul Basit Achmad Nur Iman Achsania Hendratmi Adinda Septiani M Adirestuty, Fitranty Aditya Okta Viandhy Aditya Okta Viandhy, Aditya Okta Afifa, Ulfia Nur Ahmad Khabib Dwi Anggara Ahmad Sodiq, Ahmad Akhmad Kusuma Wardhana Akhmad Kusuma Wardhana Akhmad Kusuma Wardhana Akhmad Kusuma Wardhana Akhmad Kusuma Wardhana Akhmad Kusuma Wardhana Al Adawiyah, Rumaisah Azizah Alfath Shifa Ghifara Alimin Alimin Alimin Alimin Amalina Rusydina Aminudin Ma'ruf Angga Khoerul Umam Anik Rufaidah Anik Rufaidah Anneke Ratnasari Hardianto Anneke Ratnasari Hardianto, Anneke Ratnasari Annisa Rahma Febriyanti Anwar Allah Pitchay Anwar Allah Pitchay Anwar Allah Pitchay, Anwar Allah Ari Prasetyo Arridha Harahap Asya’bani, Nispia Aulia, Melananda Risky Author, Nailul Azhar Alam Azizah Al Adawiyah, Rumaisah Battour , Mohamed Battour, Mohamed Bt Mohd Ariffin, Noraini Bunga Permata Samodra Chazanah , Indah Nur Cholil, Muhammad Ega Rusanti Egi Arvian Firmansyah Fadlillah, Nilna Faradilah Putri Fauzi Fatin Fadhilah Hasib Fitria Solahika Salma Fuad Hasyim Ghozian Hakeem Habibah, Aminatun Hadi, T.Saipul Hafidza Gumelar Muksininna Hani Khairo Amalia Hapsari, Safira Arsyadin Hariyanto Hariyanto Hasan Aedy hasna fauziana Hasna Fauziana Hasna Fauziana Hasyim, Fuad Hendratmi, Achsania Hendratmi Hermawan, Rheza Hesti Dwi Fandini Hidayati, Huzaini, Moh Ilham Rahmanto Imam Sopingi Imron Mawardi Inayah Rahman Indah Rofiqoh, Siti Nur Indirwan, Syanisma Khansa Indra Rajasa, Muhammad Attar Indrianawati Usman Ismah Osman Ismail, Shafinar Iwan Prakoso Gunawarman Jaenudin, M jaenudin, muhammad Jamil, Fadila Ainur Jamilu, Usman Jazilinni’am, Naili K. S., Salsabiilatul Ayniah Karimah Tri Lestari La Ode Alimusa Lintang Titian Purbasari M. Adi Surya Anwar M. Ala’uddin Masruroh, Amalia Maulidy Albar Maziyah Mazza Basya Mega Nilasari Johan Mega Nilasari Johan, Mega Nilasari Moh. Nurul Qomar Moh. Nurul Qomar, Moh. Nurul Muchammad Choir Rivo Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhamad Wahyudi Muhamad Wahyudi, Muhamad Muhammad Ala’uddin Muhammad Irsyad, Syaiful Muhammad Nizar Muhammad Rifqi Muhammad Syifa Mustika, Hindah Nanang Qosim Nida’ Al-Karimah Makkawi Njie, Yahya Novi Sekar Sari Novi Sekar Sari Nur Adila Wulandari Nur Aulia Noviyani Nur Chazanah, Indah Nur Indah Rofiqoh, Siti Nurrochman, Danang Dwi Nurul Ain Nurul Ain, Nurul Nurul Huda Nurul Huda Nurwijayanti Osman, Ismah Pertiwi, Tanza Dona Purbasari, Lintang Titian Putra, Trisno Wardy Putri, Hamilatul Hasanah Qolbi, Ayun R. Andy Erwin Wijaya Raditya Sukmana Rahmawati, Estina Ramdani Ramdani Ramly, Arroyyan Rani, Lina Nugraha Reza Dasangga, Dian Ghani Ridan Muhtadi Rifki Fajar Subekhi Rika Rika Ririt Iriani Sri Setiawati Rizky Farah Nurfadhilah Rofiqoh, Siti Nur Indah Ronny Ronny Rufaidah, Anik Rusgianto, Sulistya Ryval Ababil Samsul Arifin Sari, Dyah Permata Sekar Sari, Novi Sheila Ayu Pramesti Permatasari Siti Nur Indah Rofiqoh Siti Nur Indah Rofiqoh Siti Zulaikha Sitii Nur Indah Rofiqoh Sri Herianingrum Sri Herianingrum Sulistya Rusgianto Sulistya Rusgianto Sulistyowati Sulistyowati Sulistyowati Sulistyowati Susanto, Arva Athallah Syafira, Fadillah Nur Syukron Makmun Syukron Makmun, Syukron Tamamala, Zailan Basri Tanissa Intan Syahvina Thoyyib Mas’udi Tia Yuliawati Tiara Tresnawulan Barkah Ujang Syahrul Mubarrok Usman Jamilu Vicky Alif Putra Wardhana, Akhmad Kusuma Yan Putra Timur Yusuf Kurniawan Zukhrufani, Alfitri Zulfa Mufidah