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All Journal Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal IJIBE (International Journal of Islamic Business Ethics) I-Finance Journal Ekonomi Bisnis Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Economica: Jurnal Ekonomi Islam Jurnal Akuntansi Aktual Jurnal SOLMA Dinamisia: Jurnal Pengabdian Kepada Masyarakat Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah EQIEN - JURNAL EKONOMI DAN BISNIS Shirkah: Journal of Economics and Business IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Jurnal Ilmiah Al-Tsarwah Journal of Islamic Economics and Finance Studies Prima Abdika: Jurnal Pengabdian Masyarakat Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah AL-ARKHABIIL: Jurnal Pengabdian Masyarakat PERADABAN JOURNAL of ECONOMIC and BUSINESS Maliki Islamic Economics Journal Sharia Economic and Management Business Journal (SEMBJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Kurniawati Meylianingrum
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Wakif Preferences In Selecting Cash Waqf: A Case of Badan Wakaf Indonesia at Yogyakarta City Meylianingrum, Kurniawati; Aminy, Muhammad Muhajir; Aslam, Mohd Aslam Mizan
IKONOMIKA Vol 5, No 1 (2020)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v5i2.7002

Abstract

Cash waqf is an Islamic financial instrument which recently is developed by most Muslim scholars. This Islamic financial instrument is believed to be one alternative to solicit social funds from people, other than zakat, with a purpose to gain sustainable benefits without reducing the amount of used fund.Cash waqf is not similar to zakat that is a mandatory and an Islamic pillar for Muslims across the world. Cash waqf is a preferable (sunnah) that is encouraged to be carried out by Muslims to gain ceaseless reward from God. Muslims who spend their money for this Islamic charity have an awareness to do more kindness as a worship form to God.This study aims to analyse the influence of four independent variables, namely religiosity, trust, service quality, and promotion factor on wakif decision to select cash waqf product in Badan Wakaf Indonesia region of Yogyakarta City. The findings showed a positive significant impact, simultaneously and partially, from all observed independent variables toward the dependent variable.Another purpose of this study is to investigate a cash waqf management that is applied in the waqf institution. The duty of Badan Wakaf Indonesia as the waqf institution is only to supervise the nazhirs, waqf managers, regarding their cash waqf management. Badan Wakaf Indonesia indirectly collects and distributes all cash waqf through all its five nazhirs.Keywords: Waqf, Cash Waqf, Wakif Preferences, Wakif Decision
Impact Of Macroeconomic Variables And Zakat On Poverty Alleviation: Evidence From Indonesian Panel Data Analysis Jaya, Tiara Juliana; Meylianingrum, Kurniawati; Aghniacakti, Ainindita; Kholilah, Kholilah; Syariati, Dian
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (2025)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v11i1.4943

Abstract

Purpose: This study examined the impact of macroeconomic variables and zakat on poverty alleviation.Design/methodology: This study is a quantitative study with a regression analysis method of panel data in districts/cities in Central Java, West Java, and East Java, from 2018 to 2022. Additional testing on a subsample in East Java was conducted to ensure the consistency of the results.Findings: The findings indicate that the Human Development Index, gross domestic product, and zakat negatively affect poverty levels, while the regional minimum wage positively affects poverty alleviation. Further, the study fails to find any significant impact of government expenditure on poverty alleviation. The test in East Java indicates that only the regional minimum wage and government expenditure affect poverty levels. This suggests that poverty is a complex issue that varies from region to region, necessitating region-specific poverty alleviation policies.Practical implications: These results suggest that the synergy between government and society is crucial for poverty alleviation in Indonesia, and policies should be tailored to the specific conditions of each region.Originality/Value: This study provides insights into the complex relationship between macroeconomic variables and poverty alleviation, highlighting the regional differences in the impact of these variables.
Macroeconomic Impact on Non-Performing Financing in Islamic Banking in 2011-2021 Hidayah, Aldila Nuri; Meylianingrum, Kurniawati
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2023)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v9i2.2461

Abstract

This study aims to determine the effect of Gross Domestic Product (GDP), unemployment rate, inflation and debt on non-performing financing in the Middle East, Central Asia, and Indonesia for the 2011-2021 period. This research uses descriptive quantitative research methods. The data used in this study are secondary data with documentation data collection techniques and literature studies sourced from www.imf.org and financial statements. The data analysis technique used is multiple linear regression with Eviews 12 software. The results of this study show that GDP, unemployment rate, and inflation partially have not significant of non-performing financing. Meanwhile, debt has a positive and significant of non-performing financing.
Factors that Influence the Profits of Takaful Companies in Indonesia and Malaysia Haniatur Rofika; Kurniawati Meylianingrum
Journal of Islamic Economics and Finance Studies Vol 5 No 1 (2024): JIEFeS, June 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v5i1.7436

Abstract

Islamic Financial Institutions were established as an application of Muslims' understanding of several principles in Islamic economic law and are developing every year. Takaful contributed 2 percent of total sharia financial assets in 2021; however, in 2019–2020, the development of takaful assets decreased compared to the previous year due to the COVID-19 pandemic. There are several factors that influence profit instability in takaful industry. This study will examine the factors that influence the level of profit in takaful in Indonesia and Malaysia throughout 2017–2022, acquired a sample of 11 firms and obtained secondary data for this study from the official websites of Bank Negara Malaysia (BNM) and the Financial Services Authority (OJK). Utilizing methods for quantitative research, specifically a purposive sampling approach and panel data regression modeling. The research results show that the variables premium, return on investment, risk-based capital, and claims expenses have a major favorable impact on takaful profitability, while liquidity has a major negative impact on the same. Simultaneously, the premium variables, investment returns, risk-based capital, liquidity, and claims costs simultaneously influence the profitability of takaful.
The Influence of Income, Gold Prices and Inflation on Rahn PT's Financing Distribution. Pawnshop with ROA as an Intervening Variable Ahmat Alfian Wardana; Kurniawati Meylianingrum
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.2319

Abstract

The sharia financial sector, especially sharia pawnshops, is very interesting to study because of its strategic role in an economy based on Islamic principles. In this context, variables such as inflation, gold prices and pawnshop income greatly influence the operations and financial performance of Islamic financial institutions. Quantitative research is used to investigate how pawnshop income, gold prices and inflation rates influence the distribution of rahn financing. The aim of this research is to look at the influence of pawnshop income, gold prices and inflation rates on the distribution of rahn financing as well as the indirect influence through ROA at sharia pawnshops in Indonesia for the 2018-2022 period. This research analyzes all sharia pawnshop financial reports in Indonesia from 2018 to 2022, with 60 samples. The data analysis method used is path analysis using the Windows Eviews12 program. The research results show that pawnshop income, gold prices, inflation have no effect on ROA. Pawnshop income, inflation, ROA have no effect on rahn distribution. Gold prices influence rahn distribution. Pawnshop income, gold prices, inflation do not have a significant effect on the distribution of rahn financing through ROA, or ROA cannot mediate the influence of pawnshop income on the distribution of rahn financing in the 2018-2022 period.
Optimization of Digital Branding and Marketing for Gempol MSMEs Through WhatsApp Business: Optimalisasi Digital Branding dan Marketing pada UMKM Gempol Melalui WhatsApp Business Meylianingrum, Kurniawati; El Fahmi , Elok Fa`iz Fatma; Jaya, Tiara Juliana
Dinamisia : Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 6 (2023): Dinamisia: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/dinamisia.v7i6.15273

Abstract

The number of competitors is the main factor for entrepreneurs to enter the world of very tight competition. The right marketing and media strategies are used to reach the intended market so that the sales volume of these entrepreneurs always increases and makes a profit. The impact of information technology can develop aspects of entrepreneurial capabilities, and industrial ways to survive have developed in line with the creative economy paradigm, where innovative, proactive and risk-taking aspects are not enough in the context of the knowledge economy. This service is based on community development. The output obtained is the understanding of business actors about digital marketing. This community service's outcome is installing the WhatsApp business application and its use in marketing MSME products. The importance of using WhatsApp business features include automatic message replying features, can management of business profiles, and provide a product catalogue owned by MSMEs.
INTEGRATION OF THE MAQASHID SHARIAH INDEX AND THE RGEC METHOD IN ASSESSING THE FINANCIAL PERFORMANCE OF ISLAMIC BANKS Fitriani Arief; Muhammad Wahyuddin Abdullah; Amiruddin K; Kurniawati Meylianingrum; Muhammad Nur Alam Muhajir
Jurnal Ilmiah Al-Tsarwah Vol. 8 No. 1 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v8i1.8332

Abstract

This study aims to describe the integration between the Maqasid Sharia index and the REGC method in assessing the financial performance of Islamic banks. This research is a descriptive research that aims to explore, compile, and analyze various information available in written sources related to the research topic. The source of data in this research is obtained from literature study which includes various literatures relevant to the research topic. Data collection is done by reviewing existing literature in various sources of books, articles and documents. From the results of the analysis, it will be arranged how the integration of the Sharia Maqashid index with the RGEC method can be applied in assessing the financial performance of Islamic banks. This research shows that the integration of maqashid sharia index with RGEC method in the assessment of financial performance of Islamic banks provides a more comprehensive and fair approach. The assessment of Islamic banks is not only based on financial aspects, but also on their contribution to social welfare and compliance with sharia principles. The integration between maqashid sharia index and RGEC method is very relevant to ensure that Islamic banks are not only financially profitable, but also provide a positive impact in social and ethical aspects, in accordance with sharia principles. It is expected that the results of this study can contribute to the development of Islamic banking theory by offering a new approach in assessing the performance of Islamic banks in line with the objectives of Islamic banks, namely the welfare of the people and social benefit.
Exploring The Determinants of Sustainable Interest To Use E-Wallet: The Mediating Role of Customer Satisfaction Masaalah Marasabessy; Achmad Sani Supriyanto; Vivin Maharani Ekowati; Setiani Setiani; Siswanto Siswanto; Ahmad Tibrizi Soni Wicaksono; Kurniawati Meylianingrum; Titis Miranti; Forbis Ahamed
Jurnal Aplikasi Bisnis dan Manajemen Vol. 11 No. 3 (2025): JABM Vol. 11 No. 3, September 2025
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.11.3.789

Abstract

Background: The current rapid development of the times has created the birth of the evolution of payment instruments such as e-wallets. The evolution of this means of payment facilitates human activities in terms of transactions. The ease, convenience, speed, and benefits offered by Payment System Service Providers (PJSP) such as e-wallets can attract people's interest in adopting this system. Purpose: This study examines the direct effects of perceived ease of use, perceived usefulness, and e-service quality on sustained e-wallet use in Jayapura City, with customer satisfaction as a mediator. Design/methodology/approach: The research method adopted is quantitative, with an explanatory approach. The population in this study was the residents of Jayapura City, and the sampling technique was purposive, resulting in a sample size of 200 respondents. Data were collected via a questionnaire and then evaluated using SmartPLS v.4.1.0.6. Findings/Result: The findings show that perceived convenience does not affect long-term interest in using e-wallets. Meanwhile, perceived benefits, e-service quality, and customer satisfaction favourably and significantly impact sustained e-wallet usage. These findings also demonstrate that customer satisfaction can mediate the relationship between perceived convenience, perceived benefits, and e-service quality regarding Jayapura City residents' sustained interest in utilizing e-wallets. Conclusion: This study shows that the e-wallet payment system service provider can improve the services provided, increase the literacy of the people of Jayapura City regarding the operation of e-wallets and the urgency of using technology so that the people of Jayapura City are technology literate. In addition, the e-wallet should also be able to provide various promos that can attract the interest of the people of Jayapura City. Originality/Value (State of The Art): The findings of this research are intended as evaluation material and a basis for decision-making by e-wallet applications regarding interest in adopting e-wallets. Keywords: perceived benefits, e-service quality, customer satisfaction, sustainable interest, e-wallet
Financial Deepening on Sharia Finance Perspective: Analysis in Indonesia and Malaysia Kurniawati Meylianingrum; Tiara Juliana Jaya; Kholilah Kholilah; Mariam Ait Ahmed
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): June
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2223

Abstract

This study examines the dynamic relationship between the Islamic financial sector and financial deepening in Indonesia and Malaysia by integrating two key components of the sharia financial system: the sharia capital market and Islamic banking. Using monthly pooled data from 2014-2024 and employing the Autoregressive Distributed Lag approach, the research investigates both short-term and long-term effects of corporate sukuk, sharia stocks, third-party funds, total assets, interest rates, and exchange rates on financial deepening. The findings reveal that corporate sukuk exert a negative influence on financial deepening in the short run, primarily due to their illiquidity and dominance by institutional buy-and-hold investors, while showing no significant long-term effect in either country. Sharia stocks positively affect financial deepening only in the short run, whereas long-term effects remain insignificant because of market volatility, limited liquidity, and structural constraints within the sharia capital market. Third-party funds demonstrate a contrasting pattern, showing negative short-run effects but a strong and positive long-run impact, indicating their growing role in supporting Islamic banking intermediation. Total asset contributes positively to financial deepening in the short term; however, their long-term effect becomes negative, reflecting inefficiency in translating asset growth into real-sector financing. Robustness test using Malaysia support the main model’s conclusion. The study underscores the importance of enhancing liquidity, strengthening intermediation efficiency, and improving cross-sector sharia financial integration to maximize the contribution of Islamic finance toward sustainable financial deepening in dual banking systems.
Co-Authors Abdelaziz Mounadil Achmad Sani Supriyanto Afandi, Muhammad Farhan Ahmad Tibrizi Soni Wicaksono Ahmat Alfian Wardana Ahmed Tahiri Jouti Ainindita Aghniacakti Aldila Nuri Hidayah Amalia, Siti Nur Annisa Aminy, Muhammad Muhajir Amiruddin K Andro Agil Nur Rakhmad Aslam, Mohd Aslam Mizan Auril, Sheryn Alivia Ayub Wijayati Sapta Pradana Devina Tsabitah Dila Reski Wulandari El Fahmi , Elok Fa`iz Fatma El Fahmi, Elok Faiz Fatma Fitriani Fitriani Fitriani Fitriani Fitriani Fitriani Forbis Ahamed Haniatur Rofika Hidayah, Aldila Nuri Hissiyah, Calista Noorma Khoirunniswah, Qonita Kholilah Kholilah Kholilah Kholilah Kholilah Kholilah Laras Ayu Ningtias Lutfi Ardhani Mahdiyyah, Tsalitsatul Mariam Ait Ahmed Masaalah Marasabessy Mega Noerman Ningtyas Mohd Aslam Mizan Aslam Mounadil, Abdelaziz Muhammad Aunul Mubarok Muhammad Nur Alam Muhajir Muhammad Wahyuddin Abdullah Nurul Susianti Qonita Khoirunniswah Setiani Setiani Siswanto Siswanto Siti Nur Annisa Amalia Susianti, Nurul Tiara Juliana Jaya Titis Miranti Titis Miranti, Titis Usama Abdullah Fikri Vivin Maharani Ekowati Yayuk Sri Rahayu Yurianingsih, Aisyah Eka Zahwa Angelica