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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 Ziswaf : Jurnal Zakat dan Wakaf 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 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
Ririn Tri Ratnasari
Departemen Ekonomi Syariah - Fakultas Ekonomi Dan Bisnis - Universitas Airlangga
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Social Sciences Other

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Implementation of Performance Appraisal for Islamic Bank in Indonesia Using CAMELS Method Sodiq, Ahmad; Ratnasari, Ririn Tri; Mawardi, Imron; Pitchay, Anwar Allah
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 2 (2024): October
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i2.2457

Abstract

The assessment of Islamic bank performance measured by the CAMELS method through the 2016-2020 CAR analysis as of January shows that the performance of Islamic commercial banks from year to year shows an increase in the management of Islamic bank management. Where it can be seen that in 2016 to 2020 as of January Islamic commercial banks showed a very healthy condition because they were in the CAR position> 11%. ROA, is used to measure the health of the bank from the income aspect by comparing the net profit achieved with the total assets owned by the bank. The condition of the NPF of Islamic Banks is very healthy as indicated by the small number of bad debts and problematic financing by customers at Islamic banks. Meanwhile, the condition of the LDR of Islamic Banks fluctuates where in 2016 the LDR was in an unhealthy predicate of 85.99%, and in 2017 to January 2020 it was in a very healthy condition because it was in a position of more than 100%. BOPO of Islamic general banks showed unhealthy conditions in 2016, then experienced a significant increase in 2017 in healthy conditions and in 2018 until January 2020 in very healthy conditions.
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.
LENGTH OF STAY OF MUSLIM TOURIST AT HALAL TOURISM DESTINATION: INTEGRATING ISLAMIC ATTRIBUTES WITH PUSH-PULL MOTIVATION AND MEDIATED BY SATISFACTION Hermawan, Rheza; Tri Ratnasari, Ririn; Huzaini, Moh; Alimusa, La Ode; Njie, Yahya
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 10 No. 2 (2024): JULY - DECEMBER 2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v10i2.60485

Abstract

Introduction: The length of stay of tourists is a very critical issue in the tourism and hospitality industries, including in the halal tourism sector. So, this study aims to find out and test the factors that affect the length of stay of Muslim tourists when traveling in halal tourism destinations by integrating Islamic attributes with push-pull motivation mediated by satisfaction. Method: The method used in this study is quantitative using Partial Least Square-Structural Equation Modeling (PLS-SEM) analysis. The population of this study is Muslim tourists who visit halal tourism destinations in Lombok with a sample of 171 respondents. Results: Islamic attributes such as Islamic facilities, alcohol and gambling-free, and Islamic morality have a direct effect on length of stay, while halalness affects the length of stay mediated by satisfaction. Push and pull motivations have a positive effect on the length of stay. Finally, the length of stay is also affected by satisfaction. Conclusion and suggestion: Islamic attributes and motivation as well as satisfaction greatly affect the length of stay of Muslim tourists when traveling at halal tourism destinations. The findings of this study are very important and can serve as a crucial guide for businesses and governments to present the various needs and attributes of Muslim tourists so that they feel satisfied and willing to stay longer in halal tourism destinations.
ANALYZING ISLAMIC BANKS STABILITY: EVIDENCE FROM SOUTHEAST ASIA AND THE GULF COOPERATION COUNCIL COUNTRIES (GCC) Rani, Lina Nugraha; Bt Mohd Ariffin, Noraini; Ratnasari, Ririn Tri; Aulia, Melananda Risky
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 10 No. 2 (2024): JULY - DECEMBER 2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v10i2.65092

Abstract

Introduction: This study investigates the factors, particularly those related to banks and macroeconomics, that influence the stability of 38 Islamic banks in Southeast Asian countries and the Gulf Cooperation Council (GCC) based on annual data from 2013 to 2020. The study aims to identify key determinants of stability across distinct regions and highlight the significance of these determinants in maintaining financial stability in Islamic banks. Methods: Using a quantitative approach with panel regression analysis, this study examines various factors influencing Islamic bank stability in Indonesia, Malaysia, the United Arab Emirates, and Qatar. Specific factors considered include Assets, Non-Performing Financing (NPF), Gross Domestic Product (GDP), and Return on Assets (ROA). Results: The findings reveal that in Indonesia, Assets, NPF, and GDP are significant factors influencing bank stability. In Malaysia, ROA, Assets, and GDP are significant, whereas in the United Arab Emirates, only ROA is significant, and in Qatar, only Assets are significant. Conclusion and suggestion: Islamic banks should pay attention to the Z-Score from previous periods and manage assets and liabilities effectively to ensure stability. Effective macroprudential supervision is also necessary to enhance resilience in the financial system. Maintaining asset quality is essential for mitigating risks to banking stability.
Sustainable finance in the Islamic world: A comparative study of ESG reporting in Indonesia, Malaysia, and Brunei Darussalam Adirestuty, Fitranty; Ratnasari, Ririn Tri; Firmansyah , Egi Arvian; Al Adawiyah, Rumaisah Azizah; Chazanah , Indah Nur; Yuliawati , Tia
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n1.p18-32

Abstract

This research examines the sustainability reporting procedures of three Islamic banks located in Indonesia, Malaysia, and Brunei Darussalam. The research methodology employs a comprehensive and dependable descriptive approach, utilising a content analysis framework grounded in established sustainable practices and prior studies. This led to an extensive examination of 302 elements, encompassing environmental, socioeconomic, governance, and sharia compliance dimensions. The findings indicate that all three Islamic banks exhibit a commendable level of transparency and are dedicated to adopting sustainable practices. This signifies substantial transparency regarding governance and minimal disclosure concerning sharia compliance, reflecting the ethical identity of the IBs. Bank Syariah Indonesia has the highest degree of disclosure among all sampled banks. This study examines ESG disclosure in Islamic banks and paves the way for future research to broaden its coverage by include more factors. This may result in a more thorough investigation and further insights in the domain. The study's conclusions and suggestions could substantially influence Islamic banks, regulators, and other stakeholders.
Does Digital Technology Boost Intention to Pay Zakat? Integration of UTAUT 2 and Initial Trust Jaenudin, M; Timur, Yan Putra; Basit, Abdul; Ratnasari, Ririn Tri; Setiawati, Ririt Iriani Sri
Shirkah: Journal of Economics and Business Vol. 10 No. 1 (2025)
Publisher : UIN Raden Mas Said

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.
Do Sharia Investments Promote Responsible Consumption? A Structural Equation Modeling Approach Indra Rajasa, Muhammad Attar; Tamamala, Zailan Basri; Ratnasari, Ririn Tri
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i1.56957

Abstract

on progress
WHAT DRIVES CONSUMERS IN USING DIGITAL APPS TO VISIT HALAL TOURISM IN EAST JAVA? OPTIMIZATION STRATEGY FROM UTAUT2 PERSPECTIVE Timur, Yan Putra; Battour, Mohamed; Ratnasari, Ririn Tri; Zulaikha, Siti
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 9 No. 1 (2023): JANUARY-JUNE 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i1.44569

Abstract

This study aims to identify the factors influencing consumer behavioral intentions in using digital applications to visit halal tourist attractions using the UTAUT2 model approach. PLS-SEM was employed as the quantitative research method's evaluation model. 300 respondents, ranging in age from 17 to 65, were utilized as the sample. Using a Likert scale from 1 to 5, a scale generated from earlier research is used to measure each variable. The study's findings revealed that five UTAUT2 indicators”performance expectancy, effort expectancy, social influence, pricing value, and habit”positively influenced consumers' inclinations to use digital applications to visit halal tourism locations. Based on the IPMA test, the performance expectancy variable is the variable that has the highest level of importance. The results of this study can be used by halal tourism business actors and the government as a digital application strategy development to support the growth of halal tourism in East Java.
ANALYSIS OF FACTORS AFFECTING THE S&P/OIC COMCEC 50 SHARIAH STOCK INDEX Suhartini, Nani; Ratnasari , Ririn Tri; Ismail, Shafinar
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 1 (2025): JANUARY - JUNE 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i1.65500

Abstract

Investors and policymakers in Islamic financial markets are expected to comprehend variables impacting the performance of Standard and Poor (S and P)/Organization of Islamic Cooperation (OIC) COMCEC 50 Islamic Stock Index. Therefore, this research aims to analyze the effects of S&P/OIC COMCEC 50 Islamic Stock Index on inflation, West Texas Intermediate (WTI) oil prices, United States Economic Policy Uncertainty (US EPU), and geopolitical risk (GPR). Autoregressive Distributed Lag (ARDL) model is used in the quantitative monthly data analysis spanning 2019-2023. The analysis estimates the adjustment rate toward long-term equilibrium using Error Correction Term (ECT). Furthermore, the short and long term links between global variables and S&P/OIC COMCEC 50 Index are analyzed. The results show that Islamic stock index benefits greatly from WTI oil prices over the long and short terms. Even though inflation and US EPU have no direct effects on the index, GPR shows a strong positive influence over the periods. However, the considerable ECT coefficient points to a quick adjustment process toward long-term equilibrium after external shocks. The significance of oil prices and geopolitical dynamics as major drivers of changes in Islamic financial markets is supported even though US EPU and worldwide inflation have a less significant effect. Based on the description, this research aimed to offer strategic recommendations for Islamic financial markets’ external risk management. Future research should incorporate other macroeconomic factors such as exchange rates, Islamic interest rates, and fiscal stability to understand the durability of Islamic financial index.
ANALISIS SKALA PRODUKSI UMKM MUSAE CHIPS SEBELUM DAN SESUDAH PEMBINAAN OLEH BANK INDONESIA Masruroh, Amalia; Hani Khairo Amalia; Ririn Tri Ratnasari
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 02 (2025): JIEI : Vol. 11, No. 02, 2025
Publisher : ITB AAS INDONESIA Surakarta

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

Abstract

Program pengembangan UMKM menjadi salah satu instrumen penting dalam meningkatkan daya beli masyarakat, yang pada akhirnya membantu mengatasi krisis moneter. Bank Indonesia berperan sebagai otoritas moneter, dengan Program Sosial Bank Indonesia (PSBI) sebagai wujud empati untuk mengatasi masalah sosial ekonomi. KPw Bank Indonesia Jember juga terlibat dalam program pengembangan UMKM, termasuk UMKM keripik pisang Musae Chips di Jember. Penelitian ini bertujuan untuk memahami proses pembinaan KPw Bank Indonesia Jember terhadap UMKM Musae Chips dan membandingkan skala produksi sebelum dan sesudah pembinaan. Penelitian menggunakan metode kualitatif dengan jenis penelitian deskriptif, dilakukan di KPw Bank Indonesia Jember dan UMKM Musae Chips di Bangsalsari, Jember. Teknik pengumpulan data meliputi observasi, wawancara, dan dokumentasi, dengan analisis deskriptif serta validasi data melalui triangulasi sumber. Hasil penelitian menunjukkan bahwa pembinaan berfokus pada peningkatan keterampilan UMKM melalui pelatihan di berbagai aspek, termasuk manajemen, produksi, pembiayaan, dan pemasaran, serta event pameran untuk memperluas pasar. Skala produksi UMKM Musae Chips meningkat setelah pembinaan, namun biaya input juga meningkat, yang berdampak pada harga produk. Implikasi dari hasil ini menunjukkan bahwa pembinaan berhasil meningkatkan keterampilan dan skala produksi UMKM Musae Chips, yang berpotensi memperluas jangkauan pasar. Namun, peningkatan biaya input pasca pembinaan dapat mempengaruhi harga produk, sehingga perlu diimbangi dengan strategi harga yang kompetitif agar tetap menarik bagi konsumen.
Co-Authors Abdul Basit Abdul Basit Achmad Nur Iman Achsania Hendratmi Adinda Septiani M Adirestuty, Fitranty Aditya Okta Viandhy Aditya Okta Viandhy, Aditya Okta 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 Fadlillah, Nilna Faradilah Putri Fauzi Fatin Fadhilah Hasib Firmansyah , Egi Arvian 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