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Analisa Hubungan Dinamis antara Risiko Pembiayaan Mudharabah, Risiko Pembiayaan Musyarakah, Risiko Pembiayaan Murabahah dan Profitabilitas Perbankan Syariah Rianto Anugerah Wicaksono; Ainun Nadliroh
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 9 No. 2 (2019): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2019.9.2.164-185

Pertumbuhan pembiayaan Bank Syariah mendorong peningkatan potensi pendapatan serta potensi risiko bagi Bank Syariah itu sendiri. Pengelolaan pembiayaan yang baik untuk menjaga tingkat kesehatan Bank Syariah merupakan hal yang sangat penting. Pengelolaan risiko tentu dihadapkan pada dinamika permasalahan teknis di lapangan yang dinamis serta perubahan kebijakan untuk mengambil langkah-langkah mitigasi risiko dan peningkatan potensi pendapatan Bank Syariah. Untuk itu perlu dilakukan Analisa hubungan secara dinamis risiko pembiayaan terhadap kemampuan pembiayaan tersebut menghasilkan keuntungan. Penelitian ini menggunakan alat analisa regresi dinamis vector autoregression untuk melakukan analisa hubungan dinamis, dan pengaruh jangka Panjang terhadap setiap variabelnya. Hasil dari penelitian ini menunjukkan adanya evaluasi secara berkala dari pihak Bank Syariah untuk mendorong atau mengurangi jumlah pembiayaan dalam rangka menjaga nilai non-performing finance tetap sehat (< 5%).

The Knowledge, Service Features, Benefits, And Convenience and Their Influence on Customer Interest: Evidence on BSI Mojopahit 2 Mojokerto City, Indonesia: Pengaruh Pengetahuan, Fitur Layanan, Manfaat dan Kemudahan Terhadap Minat Nasabah dalam Menggunakan BSI Mobile Banking Pada Tahun 2021: Studi Pada BSI KCP Mojopahit 2 Kota Mojokerto Alvina Mutia Hendarti; Ana Toni Roby Candra Yudha; Rianto Anugerah Wicaksono; Maksum Maksum; Nurul Huda
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): El-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.49-66

The development of technology is so rapid today that the banking industry must be able to provide services that can adapt to the needs and desires of customers in the current digital era, such as mobile banking. This study aims to determine the magnitude of the influence of knowledge, service features, benefits, and convenience on the interest of BSI Mojopahit 2 Mojokerto City customers in using BSI mobile banking in 2021. This study uses a quantitative research type with a sample of 100 respondents. The analysis used in this study is multiple linear regression analysis using the IBM SPSS 24 application. The results of this study show the multiple linear regression equation, namely Y = 1.433 + 0.175 X1 + 0.184 X2 + 0.219 X3 + 0.191 X4 + e. The F (simultaneous) test shows that the variables of knowledge, service features, benefits and convenience have a significant effect simultaneously or jointly on customer interest. Meanwhile, the T-test (partial) shows that the knowledge variable has a significant partial effect on customer interest. The service feature variable has a significant effect on the customer interest variable. The benefit variable has a significant effect on the customer interest variable, and the convenience variable significantly affects the customer interest variable. Moreover, the benefit variable is the variable that has the most dominant influence on the interest of BSI Mojopahit 2 Mojokerto customers in using mobile banking. Based on the results of this study, Islamic banking is expected to provide information about BSI mobile banking clearly and maintain and maximize service features, benefits and ease of use of mobile banking to increase customer interest so that the BSI mobile banking application becomes the main choice in transacting.

Developing Graduate Profiles through Research Road Map Sri Wigati; Hasan, Nurul Fatma; Rianto Anugerah Wicaksono
Dirasah : Jurnal Studi Ilmu dan Manajemen Pendidikan Islam Vol 6 No 1 (2023): DIRASAH
Publisher : Institut Agama Islam (IAI) Faqih Asy'ari Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58401/dirasah.v6i1.810

Universities should guarantee that graduates are ready for the challenges of current life, work, and citizenship. Thus, universities should manage a myriad of priorities to ensure students’ success in life, work, and citizenship. The first step to take is developing graduate profile. This study aims to design a research road map to develop the graduate profiles of Bachelor of Sharia Economics (BSE) Study Program in UIN Sunan Ampel Surabaya. BSE has designed three graduate profiles: 1) Practitioners in Islamic finance; 2) Islamic finance & public policy analyst; and 3) Moslem entrepreneur. Therefore, BSE focused on three specializations: Islamic financial institution; Islamic economy & public policy; and halal industry and Islamic business. Islamic financial institution sub major has been designed to support the first profile, Islamic economy and public policy has been designed to support the second, while halal industry and Islamic business has been designed to support the last. These three specializations is strengthened by BSE research studies. BSE research studies were then strengthened by research road map. In other word, research road map was designed to develop research studies, and finally to develop graduate profiles of BSE.

PENGARUH PROMOSI TERHADAP IMPULSE BUYING MELALUI POSITIVE EMOTION SEBAGAI VARIABEL MEDIASI DENGAN ETIKA KONSUMSI ISLAM SEBAGAI VARIABEL MODERASI PADA KONSUMEN MUSLIM SHOPEE Nawaratallah, Aisyah; Rianto Anugerah Wicaksono
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 6 No. 01 (2024): Juli-Desember 2024
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v6i02.824

This study examines the effect of promotion on impulsive buying with positive emotion as a mediating variable and Islamic consumption ethics as a moderating variable, focusing on Muslim consumers in Shopee. Promotion, as an important element in marketing strategy, is expected to trigger impulsive buying through the positive emotion effect it creates. This study also explores how Islamic consumption ethics, which include principles such as fairness and sharia compliance, moderate the relationship between promotion and impulsive buying. Data were collected through an online survey involving Muslim consumers in Shopee, and analyzed using path analysis techniques to test the proposed hypotheses. The test results state that the promotion variable has a significant effect on positive emotion. The positive emotion variable has a significant effect on impulse buying. The promotion variable has a significant effect on impulse buying. The positive emotion variable on impulsive buying is not moderated by Islamic consumption ethics. In addition, Islamic consumption ethics is shown to moderate the effect of promotion on impulsive buying, with varying degrees ofmoderation depending on the extent to which consumers follow sharia principles in their shopping decisions. These findings provide important insights for marketing practitioners in designing promotional strategies that are effective and in line with Muslim consumer values, as well as contributing to the literature on consumer behavior in the context of Islamic marketing.

The Dynamics of Price Competition from Islamic Economic Perspective Wicaksono, Rianto Anugerah
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p1-19

The rapid growth of Indonesia's e-commerce sector has triggered market saturation, driven by increasing sellers, technological advancements, and consumer price sensitivity. This study aims to analyze the dynamics of market saturation and price competition, focusing on their implications for sellers and consumers. Employing a qualitative approach, the research integrates thematic analysis and causal-loop diagrams to uncover the relationships between market forces and their effects. Findings reveal that low entry barriers and high price transparency intensify price competition, reducing profitability and driving unsustainable practices. Consumers, increasingly price-sensitive, prioritize affordability over quality, creating a negative feedback loop that exacerbates saturation. From an Islamic economic perspective, these dynamics violate the principles of justice (al-adl) and balance (al-mizan), emphasizing the need for ethical business practices and equitable competition. This research underscores the importance of innovative strategies and policy interventions to create a fairer and more sustainable e-commerce ecosystem aligned with Islamic principles.

Pengaruh Perubahan Tingkat Suku Bunga Kredit Bank Konvensional dan Tingkat Suku Bunga Bank Indonesia terhadap Pembiayaan Bank Islam berbasis Murabahah Wicaksono, Rianto Anugerah
Jurnal Aplikasi Manajemen Vol. 13 No. 3 (2015)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/

The research objective - This study aims to determine the dynamic effect of changesin interest rates of conventional bank and bank interest rates in Indonesia against thefinancing murabaha Islamic Bank. The data and methods of analysis - This study uses monthlydata from the Indonesian banking statistics from January 2009 to April 2014. The analysismethod uses the Unit Root Test, Cointegration Analysis, Impulse Response Function (IRF)and Variance Decomposition (VDC). The results of the study - the results of this study indicatethat changes in mortgage interest rates Conventional Bank has an influence on thevalue equivalent rate financing murabaha Islamic Bank, although these changes do notsignificantly affect the total amount of financing murabaha. Changes in the total amount offinancing is more influenced by movements in the interest rate set by Bank Indonesia (BIrate).

The Effect of Digital Marketing Training on The Digital Marketing Skills of Orphanage Business Unit Managers in Surabaya Saifuddin, Muchammad; Wicaksono, Rianto Anugerah; Gangsar Ramadanti, Firda
Jurnal Manajemen dan Inovasi (MANOVA) Vol. 8 No. 1 (2025): January
Publisher : Management Department, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/manova.v8i1.1783

Objective – This study aims to test the effect of digital marketing training on the digital marketing skills of orphanage business unit administrators in Surabaya. Design/methodology/approach – Using a quantitative approach, this study applies an experimental design with a pre-test and post-test model on 25 respondents. The variables studied are digital marketing skills as measured by cost indicators, incentive programs, website design, and interactivity. Findings – The results of the study showed a significant difference in the digital marketing skills of orphanage administrators before and after training. Digital marketing training has been shown to significantly improve participants' skills. Research limitations/implications – This study was only conducted in Surabaya. Therefore, it is recommended to conduct further studies in the same context in other areas in Indonesia or other countries. The researcher also suggests exploring other variables that may affect digital marketing skills. Practical implications – This study encourages orphanages to implement effective digital marketing training, so that they can increase financial independence through their business units. The importance of this training can be a reference for other orphanages in developing more modern marketing strategies. Originality/value – This study provides new insights into the impact of digital marketing training in the context of orphanages, which is rarely discussed in the literature. The originality of this study lies in its focus on orphanage administrators and the digital marketing skills relevant to the sustainability of their business units.

Is it Possible to Provide Cash-Waqf Based Musyarakah Financing for Micro-Small Enterprises (MSEs) Business through Islamic Microfinance? Wicaksono, Rianto Anugerah; Agustianto, Mochammad Andre
Management of Zakat and Waqf Journal (MAZAWA) Vol. 5 No. 2 (2024): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2024.5.2.183-204

the development of asset waqf collection methods has moved to cash waqf collection. Islamic Microfinance, such as Baitul Mal Wa Tamwil (BMT) and Micro Waqf Bank, have tried to develop financing products based on cash waqf funds. The big question is how big is the risk of losing waqf funds due to financing scheme carried out by this Islamic Microfinance. In this research we try to develop a model to form of cash waqf-based musyarakah financing by providing suggestions for improvements, based on the literature and potential losses that arise from our simulation results. We use a dynamic simulation approach to obtain overall system behavior patterns in the next 5 years. The improvements that we propose include (1) Allocation of reserve impairment of non-performing financing, (2) Assistance and supervision efforts for financing, (3) evaluation of total waqf funds allocated for musyarakah financing, and (4) evaluation of the profit-sharing rate provided on Musyarakah Financing. Our final results show that Islamic Microfinance has the potential and feasibility to create a Cash-Waqf based Musyarakah Financing model, with several conditions, such as (1) being able to increase the ability to collect waqf gradually (2) allocating costs as an efforts to mitigate the risk of losing waqf funds using reserve impairment costs and financing supervision costs (3) optimizing the distribution of funds to the productive sector and (4) determine a profit-sharing ratio that is able to minimize the risk of loss of funds.

Analisa Hubungan Dinamis antara Risiko Pembiayaan Mudharabah, Risiko Pembiayaan Musyarakah, Risiko Pembiayaan Murabahah dan Profitabilitas Perbankan Syariah Wicaksono, Rianto Anugerah; Nadliroh, Ainun
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 9 No. 2 (2019): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2019.9.2.164-185

Pertumbuhan pembiayaan Bank Syariah mendorong peningkatan potensi pendapatan serta potensi risiko bagi Bank Syariah itu sendiri. Pengelolaan pembiayaan yang baik untuk menjaga tingkat kesehatan Bank Syariah merupakan hal yang sangat penting. Pengelolaan risiko tentu dihadapkan pada dinamika permasalahan teknis di lapangan yang dinamis serta perubahan kebijakan untuk mengambil langkah-langkah mitigasi risiko dan peningkatan potensi pendapatan Bank Syariah. Untuk itu perlu dilakukan Analisa hubungan secara dinamis risiko pembiayaan terhadap kemampuan pembiayaan tersebut menghasilkan keuntungan. Penelitian ini menggunakan alat analisa regresi dinamis vector autoregression untuk melakukan analisa hubungan dinamis, dan pengaruh jangka Panjang terhadap setiap variabelnya. Hasil dari penelitian ini menunjukkan adanya evaluasi secara berkala dari pihak Bank Syariah untuk mendorong atau mengurangi jumlah pembiayaan dalam rangka menjaga nilai non-performing finance tetap sehat (< 5%).

The Knowledge, Service Features, Benefits, And Convenience and Their Influence on Customer Interest: Evidence on BSI Mojopahit 2 Mojokerto City, Indonesia Mutia Hendarti, Alvina; Candra Yudha, Ana Toni Roby; Wicaksono, Rianto Anugerah; Maksum, Maksum; Huda, Nurul
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.49-66

This study investigates the influence of customer knowledge, service features, perceived benefits, and convenience on user interest in adopting BSI Mobile Banking at Mojopahit 2 Branch, Mojokerto City, Indonesia. Using a quantitative approach with a purposive sample of 100 active users, the study employed multiple linear regression analysis through SPSS. Results demonstrate that all four variables significantly affect customer interest, both individually and simultaneously, with perceived benefit emerging as the most dominant factor influencing user adoption. This study contributes to the growing body of research on Islamic digital banking by highlighting how cognitive and experiential factors drive mobile banking adoption in emerging economies with large Muslim populations. Unlike many conventional studies, this research emphasizes the unique feature set of Islamic mobile banking—such as zakah calculators and Qibla direction services—that align with faith-based financial behaviors. The findings provide actionable insights for Islamic financial institutions aiming to expand digital financial inclusion while preserving Shariah compliance. Future international studies can build on this model by comparing adoption dynamics across Islamic banking systems, examining the role of religious values in fintech usability, or integrating behavioral economics into Islamic digital finance frameworks.

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