Article Per Year (5 Year)
p-Index From 2021 - 2026
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This Author published in this journals
All Journal JURNAL PENELITIAN ILMU PENDIDIKAN Paradigma : Journal of Science, Religion and Culture Studies Maslahah : Jurnal Hukum Islam dan Perbankan Syariah Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal ORTOPEDAGOGIA At-Ta'dib: Jurnal Ilmiah Prodi Pendidikan Agama Islam JURNAL TEKNOLOGI DAN OPEN SOURCE Jurnal Ilmu Perbankan dan Keuangan Syariah Community Empowerment An-Nisbah : Jurnal Perbankan Syariah DEVOSI Shafin: Sharia Finance and Accounting Journal BISMA (Bisnis dan Manajemen) An-Nizam: Jurnal Bakti Bagi Bangsa EKONOMIKA SYARIAH : Journal of Economic Studies At-Tamwil: Journal of Islamic Economics and Finance Al-ihsan : Journal of Community Development in Islamic Studies Research of Islamic Economics (RIE) Human Capital and Organizations Computing Insight: Journal of Computer Science Siber International Journal of Digital Business Al-bank: Journal of Islamic Banking and Finance Al-ihsan : Jurnal Pengabdian Agama Islam
Rafika Rahmawati
Universitas Islam 45 Bekasi
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Mechanical Engineering Physics Public Health Social Sciences Other

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The Relationship between Sharia Compliance and Profitability: A Study of Sharia Commercial Banks in Indonesia Azizah, Siti Fajriah; Rahmawati, Rafika; Putra, Purnama
Research of Islamic Economics Vol. 3 No. 2 (2026): JANUARY 2026
Publisher : SAN Scientific

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58777/rie.v3i2.568

Abstract

This study aims to analyze and compare the financial performance of Islamic Commercial Banks in Indonesia using the Sharia Conformity and Profitability (SCnP) method. Sharia Conformity measures a bank's level of compliance with sharia principles, while profitability assesses a bank's ability to generate profits. The data used are the financial performance reports of Islamic Commercial Banks registered with the Financial Services Authority (OJK) in 2023. SCnP indicators include sharia-compliant product structures and compliance with the National Sharia Council (DSN) fatwas, while profitability is assessed through Return on Assets (ROA) and Return on Equity (ROE). The results show that Bank Muamalat Indonesia and Bank Aceh Syariah are in the URQ quadrant, with Sharia Conformity levels of 75% and 79%, respectively. In terms of profitability, Bank Aceh Syariah performed 67.15% higher than Bank Muamalat Indonesia at 1.37%. This finding indicates a positive correlation between sharia compliance and profitability, where increased sharia conformity can strengthen financial performance. The implications of this research emphasize the importance of strategies that focus on sharia compliance to support the growth and competitiveness of sharia banks in Indonesia.
Cryptocurrency investment adoption: an analysis of Indodax application acceptance using UTAUT2 Wulansari, Anita; Alisia, Raffi Abdillah Putra; Rahmawati, Rafika
BISMA (Bisnis dan Manajemen) Vol. 18 No. 2 (2026)
Publisher : Universitas Negeri Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/bisma.v18n2.p159-183

Abstract

This study examines the determinants of cryptocurrency investment adoption through the Indodax application by extending the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2). Specifically, it investigates the mediating role of performance expectancy in linking effort expectancy and trust to behavioral intention. Data were collected from 417 Indodax users in Indonesia and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that performance expectancy significantly influences behavioral intention, while effort expectancy and trust do not have significant direct effects. However, both variables indirectly influence behavioral intention through performance expectancy. This indicates that users prioritize expected benefits over ease of use and trust when making investment decisions in high-risk environments. This study extends UTAUT2 by demonstrating that, in high-risk fintech contexts, adoption behavior follows an indirect and sequential cognitive evaluation process. It provides empirical evidence from the Indonesian cryptocurrency market and highlights the conditional applicability of UTAUT2 in emerging digital investment ecosystems.
Organizational Culture and Organizational Commitment: A Qualitative Case Study in a Private University Faculty Setting Rahmawati, Rafika; Adham, Adham; Putra, Purnama
Human Capital and Organizations Vol. 3 No. 2 (2026): APRIL 2026
Publisher : SAN Scientific

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58777/hco.v3i2.597

Abstract

This study aims to analyze the implementation of organizational culture and its impact on employees’ organizational commitment within a faculty at a private university. A qualitative case study approach was employed, involving 15 participants consisting of lecturers and administrative staff selected through purposive sampling based on tenure and organizational involvement. Data was collected through semi-structured interviews, direct observations, and document analysis, with an interview protocol focusing on cultural practices, communication patterns, and perceived commitment levels. Data was analyzed using thematic coding, including open, axial, and selective coding to identify key patterns and relationships. To ensure research rigor, credibility strategies such as data triangulation across sources and member checking were applied to validate findings. The results indicate that organizational culture, characterized by collaboration, discipline, transparency, and open communication, significantly strengthens affective, normative, and continuance commitment. A supportive work environment fosters emotional attachment, while clear policies and professional development opportunities enhance employees' sense of responsibility and intention to remain in the organization. These findings provide both theoretical and practical implications for strengthening organizational commitment in higher education institutions.
Co-Authors Abdullah, Saqyllah Zahra Adham, Adham Agustina Ekasari Alisia, Raffi Abdillah Putra Amin Ash Shabah, Musyaffa Andi Hunafah Balqis Syam Arief Widyananto Asih, Anisa Mukti Awalia, Zahrani Azizah, Siti Fajriah Damayanti, Monika Dewi, Suchi Wati Diajeng Tyas Pinru Phytanza Dwi Indira, Dyana Elisa, Nur Fadhilah, Nur Ahmad Fahlevi, Rizal Faisal Hakim, Muhammad Fajri Ryan Isnandar, Fajri Ryan Fajriah, Siti Fajriah Nurazizah Fikriyah, Kholidatul Firmansyah, Ridwan Fitri Yana Salam Giffari, Muhamad Syafiq Gunawan, Maya Regita Hanif, Annisa Fitria Haque, Hilda Mailil Hari Wibowo Hasan Basri Hendra Saputra, Arsyil Humairoh, Rizka Indra Tama, Annafi Iqbal Ramadhani Mukhlis Isfandayani FAI Isfandayani M.Si. Islamiyah Islamiyah, Islamiyah Istutik, Dwi Kania, Nina Khoiriyah, Ummi Kurniawan, Tri Bagus Kusuma, Alto Wirahadi Larasati Larasati Lutfiah Lutfiah Malik AL Aziz, Fyla Malikhatun, Irna Moh. David Maulana Muhajir, Ammar Muhammad Nadratuzaman Hosen Muhammad Nadratuzaman Hosen, Muhammad Nadratuzaman Mumpuniarti Mumpuniarti Nafiah, Nafiah Naofal Alghifari, Muhamad Nuraini, Ade Indah Nurazizah, Indah Nurdianto, Muhammad Alif Pahlevi, Rizal Prasasti Karunia Farista Ananto Purnama Putra, Purnama Putri Anggraini Aswad, Sephia R. Madhakomala Radiatus Solihin, Fikri Rahayu, Fuji Rahmadhan, Fariz Putra Rahman, Daffi Ramadhan, Dickyansyah Ramadhan, Muhammad Rafli Razaqi, Imam Arizal Rohmayanti Rohmayanti Rosyidha, Aulya Sakinah, Fistiawirzani Sari Rudiyati Satibi, Iswanda Fauzan Sembilu, Nambi Septiandani, Zunna Siti Khadijah Siti Mardiah, Siti Sukinah Sukinah Syafaat, Muhammad Syafaat Tama, Annafi Indra Tias, Elsa Ayuning Tri Luhur Indayanti Sugata Tri Puspa Rinjeni Tri Wulandari Trinanda Sanni, Bella Ummi Khoiriyah Veroyunita Umar Virdha Rahma Aulia Wicaksono, Tegar Adi Wulansari, Anita Yasinta Amalia, Nur Yopi Handoyo Zahara, Futri Amalia Zahra, Alfiah