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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 Invest Journal of Sharia & Economic Law Journal of Tourism Economics and Policy 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 Perbankan Syariah Darussalam (JPSDa) International Journal of Emerging Issues in Islamic Studies eJEBA ZISWAF: Jurnal Zakat dan Wakaf Jurnal Agroindustri Halal
Ririn Tri Ratnasari
Departemen Ekonomi Syariah - Fakultas Ekonomi Dan Bisnis - Universitas Airlangga
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Public Health Social Sciences Other

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Analisis Laporan Keberlanjutan Studi Komparasi Bank Syariah Indonesia dan Maybank Islamic Berhad 2019-2022 Adirestuty, Fitranty; Azizah Al Adawiyah, Rumaisah; Tri Ratnasari, Ririn; Nur Chazanah, Indah; Muhammad Irsyad, Syaiful
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11152

Abstract

This study emphasizes the importance of focusing on the sustainability and alignment of Sharia compliance disclosures in the context of Islamic Financial Institutions. Sustainability reporting is becoming increasingly crucial in the financial sector due to growing awareness of global environmental, social, and governance (ESG) issues. The initiative encourages Islamic Financial Institutions (IFIs) to increase transparency and accountability in their sustainability practices. This study tries explicitly to compare the Sustainability Report Analysis between Bank Syariah Indonesia and Maybank Islamic Berhad for 2019-2022. In this way, the study provides a deeper understanding of how these two institutions manage sustainability and disclosure of Sharia compliance. By aligning Sharia compliance with sustainability goals, IFIS can actively create a more responsible and ethical financial sector. This will contribute to broader sustainable development efforts, including sustainable economic growth, environmental protection, and Social Empowerment. This kind of research is essential to ensure that IFIs and other financial institutions understand and adhere to sustainability and Sharia compliance in a balanced manner to balance financial, ethical, and sustainability goals in their services to society.
Commemorating the 10th Anniversary of Al-Iqtishad Journal of Islamic Economics: A Bibliometric Analysis Mubarrok, Ujang Syahrul; Sukmana, Raditya; Ratnasari, Ririn Tri
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 12 No. 2 (2020)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v12i2.18247

Abstract

This study bibliometrically evaluates and analyzes the articles published by Al-Iqtishad Journal in the last ten years. Data were obtained from the website of Al-Iqtishad Journal and further edited in Mendeley. The results show that the Al-Iqtishad journal had published 215 articles in the last ten years, mostly in English and Indonesian languages, with the majority of the topics on Islamic banking. These findings tend to be useful for the editorial board of Al-Iqtishad journal to evaluate and improve the publication of their articles. AbstrakStudi ini menganalisis dan mengevaluasi secara bibliometrik artikelartikel yang diterbitkan oleh Jurnal Al-Iqtishad dalam 10 tahun terakhir. Data diperoleh dari situs web dan selanjutnya diedit di Mendeley. Hasil penelitian menunjukkan bahwa jurnal Al-Iqtishad telah menerbitkan 215 artikel dalam sepuluh tahun terakhir yang sebagian besar berbahasa Inggris dan Indonesia, dengan mayoritas topik tentang perbankan syariah. Temuan ini cenderung bermanfaat bagi dewan redaksi Iqtishad untuk mengevaluasi dan meningkatkan publikasi artikel mereka. 
Productive Waqf Management Model in Griya Khadijah Airlangga University Putri, Hamilatul Hasanah; Sukmana, Raditya; Ratnasari, Ririn Tri
AFEBI Islamic Finance and Economic Review Vol. 8 No. 1 (2023)
Publisher : Asosiasi Fakultas Ekonomi dan Bisnis Indonesia

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

Abstract

Griya Khadijah is the Rumah Wakaf Amerta Program managed productively by Nazhir Airlangga University in collaboration with Centre for Social Fund Management Airlangga University or PUSPAS UNAIR. By using a qualitative approach with the case study method, through interviews, observation, and documentation, it was found that the Griya Khadijah development management scheme came from temporary waqf assets in the form of buildings, cash waqf, and mudharabah contract which was carried out together with PUSPAS UNAIR and the results of the management of Griya Khadijah were distributed to the UNAIR academic community through the D'Amerta PUSPAS UNAIR distribution program. This scheme benefits many parties, such as scholarship recipients, wakifs, nazhirs, PUSPAS institutions, and the UNAIR academic community. Keywords: Productive Waqf, University Waqf’s Program
THE EFFECT OF RELIGIOSITY AND TRUST ON INTENTION TO PAY IN ZISWAF COLLECTION THROUGH DIGITAL PAYMENTS Syafira, Fadillah Nur; Ratnasari, Ririn Tri; Ismail, Shafinar
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 6 No. 1 (2020): JANUARY-JUNE 2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v6i1.17293

Abstract

The use of digital payment in Indonesia has increased rapidly. The number of users continues to grow every year, making various zakat institutions, infaq, sadaqah, and waqf start innovating to raise funds using a digital payment system. This excellent innovation seems in contrast with the amount of of zakat funds, infaq, waqf, and alms collected; it is still far below the potential number of funds. Many factors influence the intention to pay of the Muslim community in paying zakat, infaq, endowments, and alms. Some factors that need to be investigated are religiosity and trust factor. The aim of this research is to analysis the religiosity and trust factor towards intention to pay zakat, infaq and endowment. Based on that statement, questionnaires will be given to 200 respondents to determine the effect of these factors on the intention to pay of the Muslim community in paying zakat, infaq, endowments, and alms. Using mix methods between quantitative and qualitative, the data is primary from questioner. The result of this study shows that each religiosity and trust has insignificant and significant related to the intention to pay zakat, infaq, endowments, and alms. However, trust as intervening variable could affect religiosity indirectly, regarding its impact towards intention to pay.Keywords: Digital Payment, Intention to Pay, Religiosity, Trust, ZISWAF
THE CORRUPTION AND HUMAN DEVELOPMENT TO THE ECONOMIC GROWTH OF OIC COUNTRIES Kurniawan, Yusuf; Ratnasari, Ririn Tri; Mustika, Hindah
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 6 No. 2 (2020): JULY-DECEMBER 2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v6i2.20472

Abstract

This paper aims to estimate the effect of corruption (represented by data of Corruption Perception Index) and human development (represented by data of Human Development Index) on the economic growth (represented by data of Gross Domestic Product) in 44 (forty-four) countries who join the Organization of Islamic Cooperation (OIC). this paper uses multiple linear regression with panel data of Corruption Perception Index from transparency.org, Human Development Index from United Nations Development Program (UNDP) and Gross Domestic Product from World Bank. The 10 years range of data (2009-2018) finds the Corruption Perception Index does not have a significant effect on the economic growth, but The Human Development Index has a positive significant effect on the economic growth or Gross Domestic Product. It can be seen that the commitment of OIC countries in human development is on the right path, since they are in line with their economic growth rates. When viewed together, the Corruption Perception Index and the Human Development Index have a simultaneous influence on the economic growth. So, this result is important to help the OIC as additional references to their Annual Summit or Conference to focus more on Human Development strategy to enhance the economic growth.
THE CONCEPTUAL MODELS OF E-SERVICE QUALITY TO INCREASE COMMITMENT WAQIF Purbasari, Lintang Titian; Ratnasari, Ririn Tri
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 7 No. 2 (2021): JULY-DECEMBER 2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v7i2.27581

Abstract

This study aims to conceptualize the relationship between e-service quality and commitment waqif through e-trust with the moderator variables of communication and religiosity. The conceptual framework was developed from social exchange theory and previous literature on commitment. Nine propositions raised in this study consist of five proposed antecedents of e-service quality, namely environment quality, promotion quality, information quality, system quality, and outcome quality. Then the communication and religiosity factors are proposed no longer as determinants of commitment but as moderators, and e-trust is offered to be a mediator variable between e-service quality and commitment waqif. Many factors can affect commitment waqif, but this study only focuses on the effect of e-service quality. With this conceptual model, it is hoped that the donation platform manager can improve the e-service quality so that donors are loyal to donate through electronic services. In addition, to ease the burden on the government in collecting cash waqf funds and reach the potential that has been set faster. Further researchers can conduct empirical studies by proving all the arguments that have been put forward, also can use other factors that can affect commitment waqif. 
Extending UTAUT3 with Sharia value to predict SOTS adoption among Gen Z Afifa, Ulfia Nur; Ratnasari, Ririn Tri
Jurnal Ekonomi & Keuangan Islam Volume 12 No. 1, January 2026
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol12.iss1.art3

Abstract

Purpose – This study analyzes the influence of behavioral intention and use behavior on the use of the Sharia Online Trading System (SOTS) among Generation Z investors in Indonesia by extending the UTAUT3 model through the Sharia value variable.Methodology– This study employed structural equation modeling (SEM) using SmartPLS 4.1 software. Data were collected from 250 Generation Z investors across Indonesia through a purposive random sampling technique based on specific criteria.Findings – Effort expectancy, price value, and Sharia value had a significant positive impact on behavioral intention. Similarly, habit, performance expectancy, sharia value, and effort expectancy significantly influenced use behavior. In contrast, social influence, facilitating conditions, and hedonic motivation did not significantly affect either intention or use behavior. Notably, there was an unexpected negative relationship between behavioral intention and use behavior, indicating a complex dynamic that requires further investigation.Implications – This study reinforces the UTAUT3 model within the context of sharia digital finance and emphasizes the importance of effort expectancy, price value, and religious compliance in driving adoption. From a practical perspective, SOTS providers should focus on enhancing effort expectancy and integrating Sharia values to attract young Muslim investors.Originality – Sharia values are integrated into the UTAUT3 model to examine Generation Z’s adoption of the Sharia Online Trading System (SOTS). This integration addresses a research gap concerning behavioral factors in Sharia fintech within emerging markets.
The Impact of Technology on Halal Certification Intentions of MSMEs: A Gender-Based Analysis Yan Putra Timur; Ririn Tri Ratnasari; Anwar Allah Pitchay; Usman Jamilu; Dyah Permata Sari; Firdan Thoriq Faza; Muhammad Rifqi
AL-MUZARA'AH Vol. 13 No. 2 (2025): AL-MUZARA'AH (December 2025)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.13.2.297-315

Abstract

This study aims to identify the main determinants influencing MSMEs in applying for halal certification through digital media, using a combination of the DeLone & McLean and UTAUT models, with a comparison between male and female MSME owners. The PLS-SEM Multi-Group Analysis (MGA) approach was employed as the evaluation method in this quantitative study, using SmartPLS 3.0. A total of 300 respondents met the required criteria. The findings show that service quality is not a major determinant for the male group. On the other hand, for the female group, system quality does not significantly influence intention to apply halal certificate. Several other constructs, such as performance expectancy, effort expectancy, social influence, and information quality, show similar results across both groups, while facilitating condition does not have a significant impact on either male or female groups. These findings provide practical implications, particularly for policymakers. The government should improve performance, ease of use and information clarity for MSMEs. For male MSMEs, focus on system quality and customer support, while for female MSMEs, extension officer assistance would be more effective in encouraging halal certificate applications.
Does Digital Technology Boost Intention to Pay Zakat? Integration of UTAUT 2 and Initial Trust M Jaenudin; Yan Putra Timur; Abdul Basit; Ririn Tri Ratnasari; Ririt Iriani Sri Setiawati
Shirkah: Journal of Economics and Business Vol. 10 No. 1 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v10i1.618

Abstract

Digital technology is key to increasing donor intentions to contribute to Zakat, Infaq, and Sadaqah (ZIS). This study identified the factors influencing and dominating donors in making digital payments for ZIS. Combining UTAUT 2 and the initial trust model, this study analyzed data from an online survey involving 103 donors from various provinces in Indonesia. The study includes donors who have paid or intend to pay the ZIS digitally. The results of the analysis using the partial least squares structural equation model (PLS-SEM) indicated that performance expectancy had no significant effect on initial trust and behavioral intention. Likewise, facilitating conditions did not significantly affect initial trust. On the other hand, hedonic motivation positively and significantly affects initial trust and behavioral intention, while initial trust affects behavioral intention. This study suggests that zakat institutions must ensure that their systems offer user satisfaction, initial trust, and facilitating conditions, such as reliable networks and security.
Google Play review analysis of digital mobile applications of Islamic microfinance institutions Azhar Alam; Ririn Tri Ratnasari; Danang Dwi Nurrochman; Estina Rahmawati
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 Abdul Basit Achmad Nur Iman Achsania Hendratmi Adinda Septiani M Adirestuty, Fitranty Aditya Okta Viandhy Aditya Okta Viandhy, Aditya Okta Afifa, Ulfia Nur Afra Bahita Fridajaya 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 Pitchay, Anwar Allah Ari Prasetyo Arridha Harahap Arroyan Ramly Asya’bani, Nispia Azhar Alam Azizah Al Adawiyah, Rumaisah Battour , Mohamed Budi Sukardi Bunga Permata Samodra Chazanah , Indah Nur Cholil, Muhammad Danang Dwi Nurrochman DYAH Permata PERMATA SARI Ega Rusanti Egi Arvian Firmansyah Estina Rahmawati Fadlillah, Nilna Faradilah Putri Fauzi Fatin Fadhilah Hasib Ferdi Arifin Firdan Thoriq Faza Fitria Solahika Salma Fuad Dhiya Ul Husaen Fuad Hasyim Fuad Hasyim 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 Hesti Dwi Fandini Hidayati, Hindah Mustika Ilham Rahmanto Imam Sopingi Imron Mawardi Inayah Rahman Indah Rofiqoh, Siti Nur Indirwan, Syanisma Khansa 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 Jaenudin 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 Mohamed Battour Muchammad Choir Rivo Muhamad Nafik Hadi Ryandono Muhamad Wahyudi Muhamad Wahyudi Muhamad Wahyudi, Muhamad Muhammad Ala’uddin Muhammad Irsyad, Syaiful Muhammad Nizar Muhammad Rifqi Muhammad Rifqi Muhammad Syifa Nailul Author Nanang Qosim Nida’ Al-Karimah Makkawi Nizar Muhammad Nizar Novi Sekar Sari Novi Sekar Sari Nur Adila Wulandari Nur Aulia Noviyani Nur Chazanah, Indah Nur Indah Rofiqoh, Siti Nurul Ain Nurul Ain, Nurul Nurul Huda Nurul Huda Nurwijayanti Osman, Ismah Pertiwi, Tanza Dona Purbasari, Lintang Titian Putri, Hamilatul Hasanah Qolbi, Ayun R. Andy Erwin Wijaya Raditya Sukmana Rajasa, Muhammad Attar Indra Ramdani Ramdani Ramly, Arroyyan Ridan Muhtadi Rifki Fajar Subekhi Rika Rika Ririt Iriani Sri Setiawati Rizky Farah Nurfadhilah Rofiqoh, Siti Nur Indah Ronny Ronny Rufaidah, Anik Ryval Ababil Samsul Arifin 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 Sri Herianingrum Sri Herianingrum 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 Trisno Wardy Putra Ujang Syahrul Mubarrok Usman Jamilu Usman Jamilu Vicky Alif Putra Wakhid Musthofa Wardhana, Akhmad Kusuma Yan Putra Timur Yusuf Kurniawan Zukhrufani, Alfitri Zulfa Mufidah