Article Per Year (5 Year)
p-Index From 2021 - 2026
3.06
P-Index
This Author published in this journals
All Journal El Dinar Jurnal Ekonomi Syariah Teori dan Terapan Jurnal Pengabdian Kepada Masyarakat (Indonesian Journal of Community Engagement) Hayula: Indonesian Journal of Multidisciplinary Islamic Studies Perisai : Islamic Banking and Finance Journal al-Uqud : Journal of Islamic Economics Al Huquq : Journal of Indonesian Islamic Economic Law Jurnal Pengabdian Masyarakat Multidisiplin Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah Indonesian Journal of Cultural and Community Development Indonesian Journal of Law and Economics Review Indonesian Journal of Islamic Economics and Business Islamiconomic: Jurnal Ekonomi Islam Perbanas Journal of Islamic Economics and Business Safari : Jurnal Pengabdian Masyarakat Indonesia Journal of Social Comunity Services Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah IJEFSD Amaluna: Jurnal Pengabdian Masyarakat Journal of Artificial Intelligence and Digital Economy
Ninda Ardiani
Universitas Muhammadiyah Sidoarjo
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

Published : 25 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 25 Documents
Search

 1   2   3 
Islamic Crowdfunding Model for Accelerating Asset Growth in Sharia Cooperatives: A Case Study of KSBB Diah Krisnaningsih; Ninda Ardiani; Tofan Tri Nugroho; Dyah Ayu Nur Aini; Dian Maharani Saputri
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.986

Abstract

This study analyzes the implementation of sharia loan crowdfunding at Koperasi Syariah Berkah Bersama (KSBB) as an innovative financing model to accelerate asset growth and the accumulation of third-party funds (DPK) in non-bank financial institutions. Using a qualitative case study approach, data were collected through in-depth interviews with KSBB management, members, and beneficiaries (shahibul maal and mudharib), supported by observations of the KSBB Universe platform and relevant documentation. The findings reveal that the adoption of sharia crowdfunding significantly increased KSBB’s assets from IDR 513 million in 2020 to IDR 6.9 billion in 2023 (growth of 1,350%) through the use of WhatsApp-based crowdfunding, and further to IDR 13.8 billion in March 2024 (growth of 150%) after the introduction of the KSBB Universe platform. Key success factors include KSBB’s hybrid role as a consumer cooperative, sharia financing provider, and crowdfunding operator; the application of syariah contracts (murabahah, mudharabah, musyarakah); strict project feasibility analysis; strong community trust and religious values; and the adoption of a digital platform that enhances transparency and accessibility. However, challenges remain in terms of members’ financial literacy, limited regulatory frameworks for cooperative-based crowdfunding, and the need for stronger human resource capacity. The study contributes theoretically by extending the discourse on sharia crowdfunding beyond fintech startups into cooperative-based models, and practically by offering insights into how cooperatives can adapt crowdfunding mechanisms to strengthen financial sustainability and promote sharia-based financial inclusion in Indonesia.
Analisis Efisiensi KB Bank Syariah Periode 2018-2023 Menggunakan Pendekatan DEA Adinda Meyta Saharani; Ninda Ardiani
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 5 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i5.6995

Abstract

The purpose of this study is to analyze / examine and compare how the level of efficiency generated by PT. Bank KB Bukopin in 2018-2020 (the phase before the transfer of the bank's main share ownership) with 2021-2023 (the phase after the transfer of the bank's main shares), so unlike many previous studies, this study will use only 1 type of bank, namely KB Bank Syariah. In this study, the data used is secondary data in the form of financial reports obtained from the official website / official website of KB Bank Syariah. The data analysis method used to analyze efficiency at KB Bank Syariah before and after the transfer of the bank's main share ownership is Data Envelopment Analysis (DEA) with an intermediation approach with VRS assumptions. The results of this study conclude that the efficiency generated by KB Bank Syariah in the 2018-2023 period experienced fluctuations where the period before the transfer of the main shares can be said to be more efficient than the period after the transfer of the main shares of KB Bank Syariah. The causes of inefficiency include total assets, income, labor costs and financing.
PENINGKATAN LITERASI KEUANGAN ISLAM TERINTEGRASI DIGITAL FINANCE BAGI GURU TK AISYIYAH KECAMATAN CANDI: STRENGTHENING ISLAMIC FINANCIAL LITERACY INTEGRATED WITH DIGITAL FINANCE FOR AISYIYAH KINDERGARTEN TEACHERS Ima Faizah; Ninda Ardiani; Eva Hidayatul Kusnah
Jurnal Pengabdian Masyarakat Multidisiplin Vol 8 No 2 (2025): Februari
Publisher : LPPM Universitas Abdurrab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36341/jpm.v8i2.5767

Abstract

The advancement of digital technology demands enhanced Islamic financial literacy, especially for Aisyiyah kindergarten teachers, to support financial management in accordance with Sharia principles. This program aims to equip participants with knowledge and skills in financial management through digital finance-based training. The training materials include an introduction to basic Islamic finance concepts, Sharia-based family budgeting, the use of Sharia-compliant e-wallets, halal investment options, and data protection and digital transaction security. A participatory approach was applied through pre-tests, interactive training sessions, and post-tests. To assess the program's effectiveness, data analysis employed a quantitative approach by comparing pre-test and post-test results, alongside qualitative methods through interviews and observations conducted during the training. The program results indicated a 57% increase in participants' understanding, with 65% starting to develop Sharia-based budgets and 60% reducing the use of consumptive credit. Major challenges include participants' limited familiarity with Sharia-based digital financial services and fewer features compared to conventional services. Continuous mentoring is necessary to ensure the optimal implementation of Sharia financial principles. This program contributes to strengthening Sharia-based financial independence among Aisyiyah kindergarten teachers, who are expected to share this understanding within their schools and communities.
Analysis of the Role of BSI Gold Pawn and Gold Installment Products in Increasing Sharia Financial Inclusion: An SDGs Perspective Ninda Ardiani; Lathifatul Khoirun Nisa
International Journal on Economics, Finance and Sustainable Development Vol. 7 No. 3 (2025): International Journal on Economics, Finance and Sustainable Development (IJEFSD
Publisher : Research Parks Publishers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31149/ijefsd.v7i3.5764

Abstract

This study was conducted to examine the role of Bank Syariah Indonesia's (BSI) Gold Pawn and Gold Installment products in increasing Islamic financial inclusion and helping achieve SDGs Goal 8 on Decent Work and Economic Growth. The study was conducted using a qualitative approach through a case study at BSI KCP Sidoarjo Cemengkalang, with data sources consisting of interviews with pawn officers, marketing, and Branch Managers, as well as secondary data such as BSI's annual report, OJK publications, SNLIK, and national media coverage. The Gold Pawn product aims to meet the short-term liquidity needs of the community, especially MSMEs, while the Gold Installment product tends to be positioned as a real asset-based investment instrument. The continuous growth of BSI's gold business reflects the strengthening credibility of Islamic financial products. Overall, both products play a role in encouraging inclusive economic growth, empowering MSMEs, and improving community welfare in a sustainable manner.
APPLICATION OF ARTIFICIAL INTELLIGENCE (AI) AND MACHINE LEARNING (ML) IN THE MUSLIM MODEST FASHION INDUSTRY: A BIBLIOMETRIC REVIEW Azifatul Hannah; Ninda Ardiani
Journal of Artificial Intelligence and Digital Economy Vol. 2 No. 11 (2025): Journal of Artificial Intelligence and Digital Economy
Publisher : PT ANTIS INTERNATIONAL PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/jaide.v2i11.1551

Abstract

Objective: This study aims to analyze the trends and developments of Artificial Intelligence (AI) and Machine Learning (ML) in the fashion industry, with a particular focus on their potential application in the Muslim fashion sector, which remains underexplored. Background: The emergence of AI and ML has become a transformative force across industries, including fashion, offering opportunities to enhance design innovation, production efficiency, and competitiveness in international markets. However, research specific to the Muslim fashion industry is still limited, creating a significant knowledge gap. Method: This study adopts the PRISMA systematic review method to identify and analyze relevant literature. Data were sourced from the Scopus database, with 62 out of 100 selected articles from 2011–2025 meeting the inclusion criteria. The data were further processed and visualized using Microsoft Excel, Biblioshiny, and VOSviewer to map key trends, themes, and collaborations. Results: The findings highlight that AI and ML have been increasingly applied in areas such as trend prediction, supply chain optimization, personalized marketing, and sustainable fashion innovation. Novelty: This study provides valuable insights and practical recommendations for Muslim fashion manufacturers to adopt AI and ML technologies, thereby enhancing innovation, competitiveness, and global market presence.
Co-Authors A Syifaul Qulub Adinda Meyta Saharani Andriani, Fira Juni Aura Salsabil, Jasmine Azifatul Hannah Bulan, Rachima Annisa Diah Krisnaningsih Dian Maharani Saputri Dyah Ayu Nur Aini Eko Fajar Cahyono, David Kaluge Eva Hidayatul Kusnah Fitri Nur Latifah Hanesti, Elsi Mersilia Ika Oktaviyanti, Ika Ima Faizah Lathifatul Khoirun Nisa M Ruslianor M Mafula, Faricha Masruchin Masruchin Masruchin Masruchin Meri Yuliani Muhamad Nafik Hadi Ryandono Muhammad Nafik HR, Muhammad Muhammad Ruslianor Maika Muhammad Ubaidillah Al Mustofa Noer Putri Alisya Setiawati Novia Ariyanti Nuris Tiswanah Nurul Fadilah, Nurul Puji Sucia Sukmaningrum Raisha Salisa Rani, Lina Nugraha Satrio Sudarso Suwito, Jasmine Aura Salsabilla Syafitri , Mega Novita Taqiyah Dinda Insani Tika Widiastuti Tofan Tri Nugroho