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All Journal IQTISHODUNA EL-MUHASABA Prosiding Seminas Competitive Advantage El Dinar I-Finance Journal Jurnal Ekonomi Syariah Teori dan Terapan HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Dimensi Perisai : Islamic Banking and Finance Journal al-Uqud : Journal of Islamic Economics Management and Economics Journal (MEC-J) Owner : Riset dan Jurnal Akuntansi International Journal of Social Science and Business NISBAH: JURNAL PERBANKAN SYARIAH JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Jurnal Tabarru': Islamic Banking and Finance Syarikat : Jurnal Rumpun Ekonomi Syariah PEDULI: Jurnal Imiah Pengabdian Pada Masyarakat IJECA (International Journal of Education and Curriculum Application) Ministrate: Jurnal Birokrasi dan Pemerintahan Daerah Jurnal Promotif Preventif Journal of Islamic Economics and Social Science (JIESS) Wadiah : Jurnal Perbankan Syariah AL-ARKHABIIL: Jurnal Pengabdian Masyarakat Journal of Islamic Economics Lariba INASJIF Jurnal Akuntansi dan Keuangan Islam (JAKIs) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Ilmiah Bisnis dan Ekonomi Asia (Jibeka) Journal of Islamic Economy Intelektual: Jurnal Pendidikan dan Studi Keislaman Welfare: Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Bisnis & Entrepreneurship (e-Journal)
Yayuk Sri Rahayu
Universitas Islam Negeri Maulana Malik Ibrahim
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Strategi Kebijakan Pembiayaan Pendidikan Untuk Mencapai Sasaran Kinerja Perguruan Tinggi Keagamaan Islam Negeri (Studi Kasus Pada UIN Sunan Kalijaga) Rahayu, Yayuk Sri
Ministrate: Jurnal Birokrasi dan Pemerintahan Daerah Vol. 6 No. 2 (2024): Ministrate
Publisher : Jurusan Administrasi Publik FISIP UIN SGD Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jbpd.v6i2.41042

Abstract

National education funding is prepared with reference to applicable laws and regulations, government policies, education development programs and their targets, and program implementation in the dimensions of space and time. In the implementation of education programs, various resource limitations will be faced, both in terms of facilities and infrastructure, manpower, and education budgets, both from the APBN and other sources. Therefore, a financing strategy is prepared to overcome these resource limitations so that the implementation of education programs can contribute significantly to the achievement of national education goals as mandated by Law Number 20 of 2003. The purpose of this study is to analyze and criticize: 1) The amount of education financing budget at PTKIN; 2) Education financing policy at PTKIN and; 3) Education Financing Policy Strategy in an effort to achieve Performance Targets at UIN Sunan Kalijaga. The results of the study indicate that 1). The amount of education financing allocation at PTKIN is not fully in line with the amendments to the 1945 Constitution; 2). The budget policy is implemented proportionally according to the needs and developments of each PTKIN; 3). The Education Financing Policy Strategy in an effort to achieve Performance Targets at UIN Sunan Kalijaga, overall, the achievement of performance indicator targets each year is still not optimal because there are several strategic targets that cannot be achieved even though other strategic targets have exceeded the targets set.
Factors influencing interest in saving at Islamic bank: A study on the merchants of Pasar Besar in Malang City Rahmawati, Laila; Rahayu, Yayuk Sri
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art16

Abstract

IntroductionThe development of Islamic banks in Indonesia is pivotal for the growth of the Islamic economy, given the country's majority Muslim population. However, the adoption rate of Islamic banking services remains relatively low compared to the overall Muslim population, highlighting the need to understand the factors influencing customer interest in saving with Islamic banks.ObjectivesThis study aims to examine the impact of Sharia labels, product knowledge, and location on the interest in saving among merchants in Pasar Besar, Malang. Specifically, it seeks to determine how these factors individually and collectively influence customers' decisions to save in Islamic banks.MethodA quantitative research approach was employed, utilizing non-probability purposive sampling to gather data from 135 respondents through questionnaires. The analysis was conducted using IBM SPSS to perform validity, reliability, normality, heteroscedasticity, multicollinearity, and multiple linear regression tests to validate the hypotheses.ResultsThe findings indicate that Sharia labels, product knowledge, and location significantly affect the interest in saving. Specifically, the t-test results show that each variable has a statistically significant impact, with t-values greater than the t-table value of 1.978. Additionally, the F-test confirms that these variables collectively influence the interest in saving, with an F-value of 50.579 exceeding the threshold of 2.67.ImplicationsThe study's implications for further research suggest exploring additional factors such as customer service quality and financial incentives, and employing mixed-method approaches to gain deeper insights. For policymakers and Islamic banks, the findings highlight the importance of enhancing Sharia compliance visibility, improving customer education on Islamic banking products, and strategically locating bank branches to attract more customers.Originality/NoveltyThis study offers a novel exploration of the combined effects of Sharia labels, product knowledge, and location on saving interest in the context of Islamic banking. It provides new insights into customer behavior in a specific market segment, contributing to the broader understanding of factors that influence the adoption of Islamic financial services.
The Mediating Role of Positive Emotion: The Influence of Visual Merchandising and Store Atmosphere on Impulse Buying: Study on KKV Store Consumers in Malang Atiyystul Karimah; Yayuk Sri Rahayu
Jurnal Ekonomi, Bisnis & Entrepreneurship Vol. 18 No. 2 (2024): Jurnal Ekonomi, Bisnis & Entrepreneurship (e-Journal)
Publisher : Pusat Penelitian dan Pengabdian Pada Masyarakat (P3M) STIE Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55208/9j9zzs98

Abstract

This study examines and evaluates the effects of Visual Merchandising and Store Atmosphere on impulse purchasing behavior, mediated through Positive Emotions. Utilizing a quantitative methodology, the research focuses on consumers who have shopped at the KKV Store in Malang City. A sample of 145 individuals was generated based on Hair's formula, implementing a nonprobability sampling method with purposive criteria. Data collection was accomplished through offline questionnaires, and data analysis was conducted using smartPLS. The findings indicate that Visual Merchandising does not significantly impact Positive Emotions. In contrast, Store Atmosphere has a strong influence on Positive Emotions, which subsequently affects impulse purchasing decisions. While Visual Merchandising may not directly affect these purchasing choices, it is clear that Store Atmosphere plays a critical role in shaping them. Moreover, although Visual Merchandising does not influence impulse purchasing through Positive Emotions, Store Atmosphere is found to significantly affect impulse buying behavior through the mediation of Positive Emotions. The implications of this research are noteworthy for retailers and marketers. Understanding that Store Atmosphere has a strong effect on both Positive Emotions and impulse purchasing can guide KKV Store and similar establishments in designing their retail environments more effectively. Retailers should prioritize enhancing the Store Atmosphere through elements such as lighting, music, layout, and scents, as these aspects can create favorable emotional responses in consumers, ultimately leading to increased sales. Additionally, while Visual Merchandising strategies are essential, they should be complemented by a focus on the overall shopping environment to maximize their potential impact. In summary, this study contributes valuable insights into how emotional responses mediated by Store Atmosphere can drive impulse buying behavior, offering practical recommendations for improving retail strategies.
Analisis Determinan Profitabilitas Bank Umum Syariah di Indonesia Maulidya Annisa; Yayuk Sri Rahayu
Jurnal Akuntansi dan Keuangan Islam Vol 14, No 1 (2026)
Publisher : INSTITUT AGAMA ISLAM SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jakis.v14i1.1062

Abstract

The objective of this research is to investigate how economic freedom, economic growth, inflation, the capital adequacy ratio (CAR), and non-performing financing (NPF) influence the profitability of Islamic Commercial Banks (ICB) in Indonesia from 2015 to 2024. This research employs a quantitative approach, using panel data regression analysis in Eviews 12. The population consists of Islamic Commercial Banks registered with the Financial Services Authority (OJK) in Indonesia. The data period is from 2015 to 2024 with a total of 14 ICBs. Eight Islamic Commercial Banks were obtained using purposive sampling. The findings of this study indicate that economic freedom has a positive effect on the profitability of Islamic Commercial Banks, while non-performing financing (NPF) has a negative effect. The profitability of Islamic Commercial Banks is not significantly influenced by factors such as economic growth, inflation, and capital adequacy ratio (CAR). Therefore, Islamic Commercial Banks need to prioritize strict financing risk management to control non performing financing (NPF) and continue to implement policies that increase economic freedom to improve their profitability. Tujuan dari penelitian ini adalah untuk menyelidiki bagaimana kebebasan ekonomi, pertumbuhan ekonomi, inflasi, rasio kecukupan modal (CAR), dan pembiayaan bermasalah (NPF) memengaruhi profitabilitas Bank Umum Syariah (BUS) di Indonesia sejak tahun 2015 hingga 2024. Penelitian ini menggunakan pendekatan kuantitatif, yakni menggunakan analisis regresi data panel dengan memanfaatkan perangkat lunak Eviews 12. Populasi yang digunakan terdiri dari BUS di Indonesia yang terdaftar di Otoritas Jasa Keuangan (OJK) untuk periode 2015 sampai dengan 2024, berjumlah total 14 BUS. Delapan BUS diperoleh dengan menggunakan purposive sampling. Temuan penelitian menunjukkan bahwa kebebasan ekonomi berpengaruh positif terhadap profitabilitas BUS, sedangkan pembiayaan bermasalah (NPF) memiliki pengaruh negatif. Profitabilitas BUS tidak dipengaruhi secara signifikan oleh faktor-faktor pertumbuhan ekonomi, inflasi, dan rasio kecukupan modal (CAR). Oleh sebab itu, BUS perlu memprioritaskan pengelolaan risiko pembiayaan yang ketat untuk mengendalikan pembiayaan bermasalah (NPF) dan terus memanfaatkan kebijakan yang meningkatkan kebebasan ekonomi guna meningkatkan kinerja profitabilitas mereka. 
Islamic Values and Islamic Branding: A New Perspective on College Choice Decisions in Indonesia Yayuk Sri Rahayu; Fitriyah Fitriyah; Guntur Kusuma Wardana; Wan Nur Fazni Wan Mohamad Nazarie
al-Uqud : Journal of Islamic Economics Vol. 9 No. 2 (2025): July
Publisher : Universitas Negeri Surabaya

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

Abstract

This study aims to analyze the influence of Islamic values and Islamic branding on decisions and intention in choosing higher education institutions in Indonesia, examine the impact of intention, Islamic values, and Islamic branding on decisions to select higher education institutions in Indonesia, and identify the key determinants influencing these decisions. An explanatory mixed-method approach was employed, conducted in two stages: starting with quantitative research followed by qualitative research. The population comprised university students in Indonesia, with the sample consisting of students in at least their third semester. The study involved 207 respondents, with quantitative data analyzed using PLS and qualitative data collected through questionnaires and focus group discussions (FGDs). The findings reveal that Islamic values and Islamic branding significantly influence the decision to choose a higher education institution in Indonesia. While Islamic values impact intention, Islamic branding does not affect intention in higher education institutions in Indonesia. Moreover, intention does not influence decisions to select higher education institutions. Additionally, Islamic values and Islamic branding do not indirectly affect decisions through intention. Five main factors were identified as key determinants in selecting higher education institutions: accreditation and institutional reputation, availability of study programs and supporting facilities, Islamic culture and environment, affordability and cost, and location and accessibility
PERAN PELATIHAN PEMEDIASI DALAM PERSEPSI KEMUDAHAN DAN MANFAAT TRANSAKSI E-WALLET TERHADAP PENDAPATAN USAHA MIKRO Lempang Hasibuan; Achmad Sani Supriyanto; Yayuk Sri Rahayu; Fadlil Abdani; Ulfi Kartika Oktaviana
JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Vol 11, No 1 (2025): Vol 11, No. 1 (2025)
Publisher : Universitas Pakuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34203/jimfe.v11i1.11422

Abstract

ABSTRAKTujuan dari penelitian ini adalah untuk menguji pengaruh persepsi kemudahan, persepsi manfaat terhadap pendapatan usaha mikro di Kota Malang serta menguji apakah pelatihan dapat memediasi pengaruh persepsi kemudahan dan manfaat terhadap pendapatan usaha mikro di Kota Malang. Sampel usaha mikro sebanyak 200 usaha mikro dan sampel konsumen sebanyak 108 responden yang dipilih menggunakan teknik probability sampling. Data dikumpulkan melalui kuesioner. Analisis data menggunakan partial least square (PLS). Hasil penelitian ini yaitu persepsi kemudahan tidak berpengaruh terhadap pendapatan usaha mikro; persepsi manfaat berpengaruh terhadap pendapatan usaha mikro; dan pelatihan dapat memediasi pengaruh persepsi kemudahan dan manfaat terhadap pendapatan usaha mikro. Hal ini menunjukkan walaupun aspek kemudahan penggunaan teknologi/digital tidak mempengaruhi pendapatan, namun pemerintah atau pendamping usaha mikro tetap lebih gencar menyampaikan bukti nyata manfaat adopsi teknologi/digital, seperti efisiensi biaya atau perluasan pasar. Selain itu, untuk pelatihan tidak hanya sekadar pengenalan teknologi, tetapi harus menekankan pada implementasi praktis yang berdampak pada pendapatan.ABSTRACTThe purpose of this study was to examine the influence of perceived ease, perceived benefits on micro-enterprise income in Malang City and to examine whether training can mediate the influence of perceived ease and benefits on micro-enterprise income in Malang City. A sample of 200 micro-enterprises and a sample of 108 consumers were selected using probability sampling techniques. Data were collected through questionnaires. Data analysis used Partial Least Square (PLS). The results of this study are that perceived ease has no effect on micro-enterprise income; perceived benefits have an effect on micro-enterprise income; and training can mediate the influence of perceived ease and benefits on micro-enterprise income. This shows that although the aspect of ease of use of technology/digital does not affect income, the government or micro-enterprise assistants are still more active in conveying real evidence of the benefits of adopting technology/digital, such as cost efficiency or market expansion. In addition, training is not just an introduction to technology, but must emphasize practical implementation that has an impact on income.
Co-Authors Ach. Yasin Achmad Sani Supriyanto Ali Ridho Ariba, Nadia Atiyystul Karimah AUNUR ROFIQ Azam, Rifki Muhamad Chifni Darun Naja Esy Nur Aisyah Fadlil Abdani Fariz, Mohammad Jazmi Fikriyah, Ashfa Fitria, Annisa Dwi Fitriyah Fitriyah Fitriyah Fitriyah Guntur Kusuma Guntur Kusuma Wardana Guntur Kusuma Wardana Hani Rosanti Hidayah, Ria Nurul Hutami, Virgistira Mulya Idris, Dany Luqyana Imelda Ayu Nirmala Indah Yuliana Irmayanti Hasan Irni Sri Cahyanti Kharisma Yussitha Kharisma, Ikke Kurniawati Meylianingrum Laila Rahmawati Lempang Hasibuan Lifia M. Faza Ardichy Maulidya Annisa Muhammad Agus Supriyanto Muhsin Muhsin Mustiqawati, Evi Nanik Wahyuni ‎ Novarina Amalia Anggraini Novita, Dwi Nur Asnawi Nurjannah Nurjannah O, Ulfi Kartika Pradanimas, Aqilla Pranata, Ahmad Adi Putri Kurnia Widiati Putri, Aldila Nur Rafika Rasban, Sadali Ratih Nurwanti Restu Harisma Damayanti Ria Nurul Hidayah Rizky Rahmawati Alami Rosi, Fahrur Salsabila, Salsabila Siswanto Siswanto Siswanto Siswanto Sitti Alfyanita Ilham Sulistyowati Sulistyowati Sulistyowati Ulfi Kartika Oktaviana Wa Ode Syafriah Wan Nur Fazni Wan Mohamad Nazarie Yuniarti Hidayah Suyoso Putra Zahwa Angelica