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All Journal Al-Mustashfa At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam BERNAS: Jurnal Pengabdian Kepada Masyarakat Entrepreneur : Jurnal Bisnis Manajemen dan Kewirausahaan Empowerment Journal Journal of Social Science and Business Studies Jurnal Keuangan dan Perbankan Syariah Journal of Sharia Accounting and Tax (JSAT Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Contemporary Islamic Economic and Business Review Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
Kusumadewi, Rita
UIN Siber Syekh Nurjati Cirebon
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Nursing Public Health Social Sciences Veterinary Other

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Building Muslim Costumer Loyality in Marketplace Through MDA Framework For Male and Female Millenials Kusumadewi, Rita; Perwiranegara, Agus Alamsyah; Aini, Farihatu
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 2 (2024)
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.v10i2.4766

Abstract

Purpose: Gamification have been widely applied as marketing strategies for sustainable valueadded development. This research have explored the relationships between the gamification components and consumer continuous usage at marketplace’s games.Design/methodology: This research analyzed and comparing behaviour between man and woman, how game elements anda mechanics impact their gaming behavior and awaken positive feelings to increase the stickiness of the marketplace. This research model empirically surveyed 100 (each man and woman) marketplace app users, based on the Mechanics–Dynamics–Aesthetics (MDA) framework.Findings: The results show that the self-challenge is a pre-factor that affects self-benefit, fun, and social interaction, while self-benefit and social interaction affect fun. The results also show that both men and women, they all feel that the games on the marketplace have simple playing rules, making it fun for players to play and win. The results of the hypothesis test show that (1) The MDA Framework variable partially has a positive and significant influence on the Loyalty variable for male game players in the marketplace by 25.71%, and (2) partially has a positive and significant influence on the variable Loyalty of female game players in the marketplace by 26.01%.Practical implications: The empirical implication of this research is to determine the conditions and factors that cause man and woman become a loyal customer of a marketplace.Originality/Value: It's not just the education or entertainment industry that must involve games in its activities, but marketplaces can also build consumer loyalty through games. The contribution of this research focuses on efforts focus on fun activities that can build customer loyalty of the market place
How Does Investment Risk Mediate the Effect of Investment Literacy on Online Interest in Investing Among Generation Z? Wartoyo; Novi Nur Azizah; Rita Kusumadewi
Journal of Social Science and Business Studies Vol. 2 No. 1 (2024): JSSBS
Publisher : Yayasan Gema Bina Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61487/jssbs.v2i1.64

Abstract

This study aims to determine whether or not there is an influence of investment literacy on online  investment interest with investment risk as an intervening variable. The type of research used is case study research with a quantitative approach and uses data collection techniques through questionnaires distributed online. The population in this study is generation Z in Cirebon City  with a sampling technique using probability sampling, namely  with a simple random sampling  method of 155 people, with path analysis using the help of IBM Stastistic SPSS software version 25. The results showed that the level of investment literacy had a positive and significant effect on online investment interest  with a calculation of 12,251 (>1,655) and a significance value of 0,000 (<0.05). Investment risk has a positive and significant effect on online investment interest  with a calculation of 5.377 (>1.655) and a significance value of 0.000 (<0.05). While in the sobel test, it is known that investment risk can mediate the influence of investment literacy on online investment interest  of 4.2353714571305.
Islamic Financial Literacy in Islamic Boarding Schools and Its Implications for the Preference of Islamic Financial Institutions Wartoyo, Wartoyo; Yusuf, Ayus Ahmad; Kusumadewi, Rita
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 9, No 1 (2023): JUNI 2023
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v9i1.6881

Abstract

AbstractThis study aims to measure the level of financial literacy, analyze the influence of Islamic financial literacy levels on the preferences of Islamic financial institutions and estimate the impact of Islamic financial literacy among Islamic Boarding Schools on preferences and implications for Islamic Financial Institutions in Region III Cirebon. The method used is quantitative with mutinomial logistic regression analysis techniques. The data was collected using questionnaires from the population and the sample was among islamic boarding schools, both managers and students. The results of this study show that personal financial management literacy and Islamic economic literacy have an effect of 45% on Islamic banking preferences, 33% on sharia insurance preferences, and 29% on Islamic capital market preferences. This condition is in line with the results of measurements of Islamic financial literacy of islamic boarding school managers and students in the category of good literacy (well literate) in personal financial management and the category of sufficient literacy in the Islamic economy. The lowest is their literacy regarding sharia insurance of 25% and 29% (less literate) for the Islamic capital market. Keywords: Islamic Financial Literacy, Islamic Boarding Schools, Islamic Financial Institutions
Marketing Influence on Membership Intention: The Role of Promotion and Word of Mouth in KSPPS Kospin Jasa Syariah Bulakamba Ela Fitriyani; Moh. Mabruri Faozi; Rita Kusumadewi
CIEBER: Contemporary Islamic Economic and Business Review Vol. 2 No. 1 (2026): Kinerja Keuangan Lembaga Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

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

Abstract

This study aims to analyze the effect of promotion and word of mouth on interest in becoming a member of KSPPS Kospin Jasa Syariah Bulakamba. This research uses a quantitative approach with a sample of 100 respondents. The population in this study were the people of Jubang Village. The results of this study indicate that partially the promotion variable has no significant effect on the interest in becoming a member of KSPPS Kospin Jasa Syariah Bulakamba. Meanwhile, the word of mouth variable partially has a significant effect on the interest in becoming a member of KSPPS Kospin Jasa Syariah Bulakamba. The results of the F test show that promotion and word of mouth have a significant effect on the interest in becoming a member of KSPPS Kospin Jasa Syariah Bulakamba with a simultaneous effect of 82.85%.
Akselerasi Daya Saing UMKM Melalui Workshop Digital Marketing dan Pendampingan Akun Bisnis Online di Desa Sindanghaji Kecamatan Palasah Saparinda, Raden Wulan; Budi Rusdian; R. Neny Kusumadewi; Ridho; Rita Kusumadewi; Endah Prihartini; Eva Fauziah Ahmad; Hani Sri Mulyani
BERNAS: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 2 (2026)
Publisher : Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/jb.v7i2.17880

Abstract

Keterbatasan pengetahuan dan keterampilan dalam pemasaran digital masih menjadi hambatan utama bagi pelaku UMKM di wilayah pedesaan, termasuk di Desa Sindanghaji, Kabupaten Majalengka. Kegiatan pengabdian ini bertujuan untuk meningkatkan pemahaman dan keterampilan teknis pelaku UMKM dalam memanfaatkan digital marketing serta pembuatan akun bisnis online untuk memperluas jangkauan pasar. Metode pelaksanaan meliputi sosialisasi, pelatihan intensif berbasis praktik, serta pendampingan langsung. Hasil kegiatan menunjukkan peningkatan signifikan pada aspek kognitif peserta, di mana nilai rata-rata post-test mencapai 87,2, meningkat sebesar 54,6% dari nilai pre-test. Selain itu, 90% peserta berhasil mengaktivasi akun bisnis di platform digital (Instagram Business, Facebook Page, dan Marketplace) dan 76% di antaranya telah aktif memproduksi konten promosi secara mandiri. Program ini terbukti efektif dalam membekali pelaku UMKM dengan instrumen digital untuk memperkuat resiliensi ekonomi lokal di era digital.
Pengaruh Service Innovation dan E-Service Quality terhadap Loyalitas Nasabah pada Bank Muamalat KC Sumber: The Influence of Service Innovation and E-Service Quality on Customer Loyalty at Bank Muamalat KC Sumber Atiatul Maollah; Refaldo Fanther; Rita Kusumadewi
Jurnal Keuangan dan Perbankan Syariah Vol 5 No 1 (2026): April 2026
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v5i1.5406

Abstract

Purpose: This study aims to analyze and measure the effect of Service Innovation and E-Service Quality on customer loyalty at Bank Muamalat KC Sumber. Design/methodology/approach: This research uses a quantitative approach with survey design, involving 100 customer respondents. Data were analyzed using PLS-SEM to test the relationships between the variables. Research Findings: The results indicate that both Service Innovation (X1) and E-Service Quality (X2) have a positive and significant effect on customer loyalty (Y). Simultaneously, X1 and X2 explain 83% of the variance in customer loyalty, while the remaining 17% is influenced by other factors outside this study. Contribution/Originality/Novelty: This study contributes to the literature on Islamic banking by highlighting the importance of service innovation and digital service quality in building customer loyalty. It also provides practical implications for bank management in designing service strategies that align with Islamic principles.
PEMBIAYAAN MUDHARABAH TERHADAP RETURN ON INVESTMENT: Studi Kasus pada Bank Mandiri Syariah Kuningan Dewi Fatmasari; Rita Kusumadewi; Indri Nur Oktavianti
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 2 No. 2 (2017)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v2i2.2159

Abstract

Abstract The purpose of this study to determine how much revenue Mudharabah, to determine the level of return on investment, and to know how big the influence of financing on the return on investment from year to year for the last 7 years.This study uses a quantitative descriptive approach. The object of this study is the Bank Syariah Mandiri Kuningan. This type of research is a study that used the figure, from the collection of data, the interpretation of such data, as well as the appearance of the results. Quantitative research was also accompanied by tables, graphs, charts, drawings or other views. Based on the results of research that assisted with SPSS 21.0, using Simple Linear Regression to produce Y = -1232 + 0,554X interpreted in a positive relationship between financing is the return on investment, with a correlation of 0.703, which means a very strong relationship, and the coefficient of determination 0.494 which means the effect of financing the return on invesment is 49.4% while the remaining 50.6% is influenced by other factors not examined in this study. Keywords: Mudharabah, Return On Investment, Islamic Banking. Abstrak Tujuan penelitian ini untuk mengetahui seberapa besar pendapatan bagi hasil pembiayaan mudharabah, untuk mengetahui tingkat return on investment, dan untuk mengetahui seberapa besar pengaruh pembiayaan mudharabah terhadap return on investment dari tahun ke tahunnya selama 7 tahun terakhir. Penelitian ini menggunakan pendekatan deskriptif kuantitatif. Objek penelitian ini yaitu pada Bank Syariah Mandiri Kuningan. Jenis penelitian yang digunakan merupakan penelitian yang menggunakan angka, mulai dari pengumpulan data, penafsiran terhadap data tersebut, serta penampilan dari hasilnya. Penelitian kuantitatif juga disertai dengan tabel, grafik, bagan, gambar atau tampilan lain. Berdasarkan hasil penelitian yang dibantu dengan program SPSS 21.0, dengan menggunakan uji Regresi Linier Sederhana dengan menghasilkan Y = -1.232+0,554X diinterpretasikan adanya hubungan positif antara pembiayaan mudharabah dengan return on investment, dengan korelasi sebesar 0,703 yang berarti hubungannya sangat kuat, dan koefisien determinasi 0,494 yang dapat diartikan pengaruh pembiayaan mudharabah terhadap return on investent adalah 49,4% sedangkan sisanya sebesar 50,6% dipengaruhi oleh faktor lain yang tidak diteliti dalam penelitian ini. Kata Kunci: Mudharabah, Return On Investment, Bank Syariah.
IMPLEMENTASI FATWA DSN MUI NO. 04/DSN-MUI/IV/2000 PADA AKAD PEMBIAYAAN MURÄ€BAHAH DI BMT MUBÄ€ROKAH MWC NU MARGADANA KOTA TEGAL Zahrotul Jannah; Slamet Firdaus; Rita Kusumadewi
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 4 No. 1 (2019)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v4i1.4306

Abstract

AbstractOne of BMT Mubārokah's products is the financing of the murābahah. Some provisions must be met in implementing the contract of murābahah to avoid usury and in accordance with sharia. One of them is the condition of goods that are deed is goods sold. According to Fatwa DSN MUI No. 04 / DSN-MUI / IV / 2000 that the bank must first buy the legally ordered assets. The method used in this study is qualitative, data collected by interview, observation, documentation. From the results of the research, the implementation of financing of murābahah in BMT Mubārokah there are several stages of financing, form filling, surveys and financing analysis, if approved then made financing agreement, signing contracts, guarantee bonding, and disbursement of financing. Implementation of murābahah financing contract in BMT Mubārokah there is already in accordance with the fatwa of DSN MUI no. 04 / DSN-MUI / IV / 2000. But there is some DSN fatwa that is not practiced because in BMT Mubarokah there has never been such a case, then from that point has not been implemented in accordance with the fatwa DSN.Keywords: Baitul māl wa tamwīl, Financing, Murābahah, and Fatwa DSN-MUI. AbstrakSalah satu produk BMT Mubārokah adalah pembiayaan murābahah. Beberapa ketentuan harus dipenuhi dalam melaksanakan akad murābahah agar terhindar dari riba dan sesuai dengan syariah. Salah satunya adalah syarat barang yang diakadkan adalah barang yang dijual belikan. Menurut Fatwa DSN MUI No. 04/DSN-MUI/IV/2000 bahwa bank harus membeli terlebih dahulu aset yang dipesan oleh nasabah secara sah. Metode yang digunakan dalam penelitian ini kualitatif, data yang dikumpulkan dengan cara wawancara, observasi, dokumentasi. Dari hasil penelitian, pelaksanan akad pembiayaan murābahah di BMT Mubārokah ada beberapa tahap yaitu  pengajuan pembiayaan, pengisian formulir, survei dan analisis pembiayaan, jika disetujui maka dibuatkan akad pembiayan, penandatanganan akad, pengikatan jaminan, dan pencairan pembiayaan. Implementasi akad  pembiayaan murābahah di BMT Mubārokah ada yang sudah sesuai dengan fatwa DSN MUI No. 04/DSN-MUI/IV/2000. Namun ada beberapa fatwa DSN yang tidak dipraktekkan, karena di BMT Mubarokah belum pernah ada kasus seperti itu, maka dari point tersebut belum  dilaksanakan sesuai dengan fatwa DSN.Kata kunci: Baitul māl wa tamwīl, Pembiayaan, Murābahah, dan Fatwa DSN-MUI.
Pengaruh Islamic Lifestyle dan Islamic Branding Terhadap Keputusan Masyarakat Kota Cirebon Dalam Menggunakan Produk Perbankan Syariah Prayogi Hasan; Rita Kusumadewi; Diana Djuwita; Budi Rusdian
Entrepreneur: Jurnal Bisnis Manajemen dan Kewirausahaan Vol. 6 No. 2 (2025): JULI
Publisher : Program Studi Manajemen Fakultas Ekonomika dan Bisnis Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/entrepreneur.v6i2.13897

Abstract

The rapid growth of Islamic banking in Indonesia is inseparable from the increasing public awareness of the importance of using halal products so that it changes people's lifestyles into an Islamic lifestyle or Islamic Lifestyle and marketing efforts made by Islamic Banking through Islamic Branding which can increase people's decisions to use Islamic banking products. The increasingly popular Islamic Lifestyle and Islamic Branding are considered keys that can contribute to increasing decisions to use Islamic banking products. Thus, this study aims to find the influence of Islamic lifestyle and Islamic branding on the decision to use Islamic Banking products in the Cirebon City Community. This study uses a quantitative approach with a field research method (Field Research), the sampling technique is carried out using a non-probability sampling method with a purposive sampling type. Thus it can be seen that the sample in this study amounted to 100 respondents. The data analysis technique in this study was analyzed using multiple linear regression using the IBM SPSS Statistics version 30 application. The results of the study indicate that the Islamic lifestyle variable has a positive and significant influence on the decision to use Islamic Banking products with a partial influence of 14.87%. The Islamic branding variable has a positive and significant influence on the decision to use Islamic Banking products with a partial influence of 11.37%. The results of the simultaneous test (F test) show that the Islamic lifestyle and Islamic branding variables have a positive and significant influence on the decision to use Islamic Banking products with a simultaneous influence of 26.3%.
Gamification as New Trend in Creating Market Place Customer Engagement on Young Housewife: SMART Model Analysis Riza Mahmud Yunus; Rita Kusumadewi; Budi Rusdian; Farihatu Aini
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 10 No. 2 (2026): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v10i2.9607

Abstract

Customer engagement has become a key strategy for sustaining long-term relationships between marketplaces and customers. Although gamification has been widely implemented by e-commerce platforms, limited studies have examined how SMART model-based gamification influences customer engagement, particularly among young housewives, who represent a significant segment of online marketplace users in Indonesia. This study addresses this research gap by examining the effect of SMART model gamification on customer engagement and contributes to the literature by extending the application of the SMART model within the context of marketplace gamification. A quantitative research design was employed using a purposive sampling method. Data were collected through an online questionnaire distributed to 100 young housewives aged 20–40 years who had played games on marketplace platforms at least once. The data were analyzed using simple linear regression analysis to examine the relationship between SMART model gamification and customer engagement. The findings indicate that SMART model gamification has a positive and statistically significant effect on customer engagement in online marketplaces. These results suggest that well-designed gamification features can strengthen customer interaction, participation, and loyalty. The study provides practical implications for marketplace managers by highlighting the importance of incorporating meaningful and engaging game elements to enhance customer engagement and maintain long-term customer relationships.
Co-Authors Abdul Aziz Agus Alamsyah Perwiranegara Aini, Farihatu Alya Ilham Rizky Annita Jannah Arphandee Hasan Atiatul Maollah Atiatul Maollah Ayus ahmad Yusuf Budi Rusdian Dewi Fatmasari Diana Djuwita Eef Saefulloh Eef Saefulloh Ela Fitriyani Endah Prihartini Enny Yuliaswati EVA FAUZIAH AHMAD Farihatu Aini Hani Sri Mulyani Indri Nur Oktavianti Intan Lestari Jumanti, Izka Kamidah Kamidah Moh. Mabruri Faozi Ningtyas Prabasari, Siska Novi Nur Azizah Nunung Nurnilasari Prayogi Hasan Puspita Dewi, Agnes Tasya R. Neny Kusumadewi Raden Wulan Saparinda Refaldo Fanther Ridho Riza Mahmud Yunus Setiayani, Iis Setyowati, Nur Eka Slamet Firdaus Sri Kustiyati Wartoyo Wartoyo Yulia Tiara Putri Yuntafiatul Zahrotul Jannah