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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 JESI (Jurnal Ekonomi Syariah Indonesia) 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 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 Jurnal Kepariwisataan: Destinasi, Hospitalitas dan Perjalanan 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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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. 
EXAMINING THE TREND, THEMES, AND SOCIAL STRUCTURE OF THE ISLAMIC ACCOUNTING USING A BIBLIOMETRIC APPROACH Wahyudi, Muhamad; Herianingrum, Sri; Tri Ratnasari, Ririn
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 8 No. 2 (2022): JULY - DECEMBER 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v8i2.34073

Abstract

This study focuses on bibliometric indicators of Islamic accounting research development, such as trends in Islamic accounting research and its distribution, topics and themes in Islamic accounting research, significant contributors to Islamic accounting research, the pattern of collaboration in Islamic accounting research, and the most significant texts in the Islamic accounting literature. Four hundred eighty-three pieces of scientific literature were entered into the Scopus database for bibliometric analysis on January 10, 2022. Various programs were used to analyze frequency, metrics, and citations, including Microsoft Excel, VOS viewer, and Harzing's Publish or Perish. Over the last ten years, Islamic accounting publications have grown significantly and steadily. Islamic accounting literature is based in Asia, Europe, America, and the Middle East, and it can be found in social science, business, management, accounting, economics, and finance. With a few exceptions in Malaysian, Arabic, German, Indonesian, Slovak, and Turkish, the majority of Islamic accounting literature is written in English. The study also discovered that terms like Islamic bank, banking, Islamic performance, Islamic accounting standards, and Islamic finance are commonly used. The seven countries that contributed the most to the development of scholarly collaborations in Islamic accounting were Malaysia, Indonesia, the United States, Saudi Arabia, the United Kingdom, Pakistan, and Australia. This is critical in assisting academics in making recommendations for future study in the field of Islamic accounting.
CELEBRITY ENDORSERS VS EXPERT ENDORSERS: WHO CAN AFFECT CONSUMER PURCHASE INTENTION FOR HALAL FASHION PRODUCT? Timur, Yan Putra; Ratnasari, Ririn Tri; Author, Nailul
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 8 No. 2 (2022): JULY - DECEMBER 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v8i2.37529

Abstract

This study aims to analyze the effect of using two types of endorsers, namely celebrities and expert endorsers, on consumer purchase intentions between halal fashion products. The method used in this study is PLS-SEM for model evaluation. This study analyzes the effect of using two types of endorsers, namely celebrities and expert endorsers, on consumers' purchase intentions between halal fashion products. The method used in this study is PLS-SEM for model evaluation. This study gave respondents a full-color print advertisement containing a photo of artist April Jasmine as a celebrity endorser and expert fashion designer Hannie Hananto as an expert endorser. We use celebrity and expert endorsers as independent variables and consumer purchase intention in halal mode as the dependent variable. The result showed that celebrity endorsers positively influence consumer purchase intention in halal fashion products. Meanwhile, expert endorser does not affect consumer purchase intention on halal fashion products. The results of this study reveal that celebrity endorsers positively affect consumers' purchase intentions for halal fashion products. However, marketers must pay attention to the suitability of selecting the type and attributes of the endorser with the product they support. The goal is that the marketing costs incurred by the company in the endorser use strategy are more effective and follow marketing objectives.
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 PRODUCT INNOVATION ENHANCE MUSTAHIQ WELFARE THROUGH THE MEDIATION OF ISLAMIC BUSINESS SUCCESS? A PARTIAL LEAST SQUARES STRUCTURAL EQUATION MODELLING APPROACH Tamamala, Zailan Basri; Rajasa, Muhammad Attar Indra; Ratnasari, Ririn Tri
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 3 (2025): Desember
Publisher : Universitas Negeri Surabaya

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

Abstract

The welfare of mustahiq (zakat recipients) is one of the primary objectives of implementing productive zakat in the Islamic economic system. This study focuses on the mediating role of Islamic business success in the relationship between product innovation and mustahiq welfare. Referring to the principles of maqasid al-Shari'ah, a quantitative approach was used in this study, where primary data were obtained from micro-entrepreneurs who are recipients of productive zakat in Indonesia. Analysis using Partial Least Squares-Structural Equation Modeling (PLS-SEM) shows that product innovation significantly contributes to the success of Islamic businesses, ultimately improving the welfare of mustahiq. Furthermore, Islamic entrepreneurial motivation and entrepreneurial competency are proven to be essential factors influencing business success and its impact on sustainably improving the quality of life of zakat recipients. This study highlights the importance of a holistic approach integrating spiritual, social, and economic dimensions in zakat-based empowerment programs. These findings provide strategic recommendations for zakat institutions to design more effective interventions to support the financial independence of mustahiq and achieve the goals of sustainable Islamic social finance.
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.
Navigating Faith and Finance: The Role of Islamic Literacy and Scepticism in Shaping Cryptocurrency Investment Intention Hasyim, Fuad; Ratnasari, Ririn Tri; Herianingrum, Sri; Ramly, Arroyan; Musthofa , Wakhid
Shirkah: Journal of Economics and Business Vol. 10 No. 3 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v10i3.682

Abstract

Despite the rapid global adoption of cryptocurrencies, the lack of a unified Sharia ruling creates profound ethical uncertainty for faith-conscious investors. The present study analyses how investors integrate spiritual considerations and the complexities of Islamic Finance to formulate investment intentions in cryptocurrencies. Building on the Decomposed Theory of Planned Behaviour (DTPB), the model incorporates Islamic Financial Literacy and Sharia Scepticism. Shariah Scepticism and Islamic Financial Literacy reflect the Islamic value-embedded attitude towards finance and investment. For this study, the authors collected and analysed survey data from Java’s urban areas' 213 Muslims using PLS-SEM. Results demonstrate that people’s investment intentions are shaped by the compatibility of values, ease of use, and perceived usefulness of the investment. Financial Literacy in Islam bolsters confidence in Shariah-compliant digital assets, and Shariah Scepticism raises theological and ethical considerations. Despite the limited impact of perceived behavioural control, subjective norms exerted the most significant influence on behavioural intentions. This study adds to the Islamic behavioural finance literature the first faith-based model to explain investment intentions in cryptocurrencies within Muslim populations.
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 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 Danang Dwi Nurrochman DYAH Permata PERMATA SARI Dyah Permata Sari Ega Rusanti Egi Arvian Firmansyah Estina Rahmawati Fadlillah, Nilna Faradilah Putri Fauzi Fatin Fadhilah Hasib Firdan Thoriq Faza 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, Hindah Mustika Huzaini, Moh 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 Maramis, Muhamad Haqiqi 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 Wahyudi Muhamad Wahyudi, Muhamad Muhammad Ala’uddin Muhammad Irsyad, Syaiful Muhammad Nizar Muhammad Rifqi Muhammad Rifqi Muhammad Syifa Musthofa , Wakhid Nanang Qosim Nida’ Al-Karimah Makkawi Nilasari, Widiyanti Ayu Nizar Muhammad Nizar Njie, Yahya 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 Rahmawati, Estina Rajasa, Muhammad Attar Indra Ramdani Ramdani Ramly, Arroyan 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 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 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 Wahid, Herry Aslam Wardhana, Akhmad Kusuma Yan Putra Timur Yusuf Kurniawan Zukhrufani, Alfitri Zulfa Mufidah