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All Journal ASEAN Journal on Hospitality and Tourism Global Review of Islamic Economics and Business EKSPANSI Jurnal Pemberdayaan Masyarakat Madani (JPMM) Amwaluna Jurnal Ekonomi dan Keuangan Syariah Jurnal Maps (Manajemen Perbankan Syariah) INTERNAL (Information System Journal) Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Indonesian Journal of Economics and Management Journal of Applied Islamic Economics and Finance Jurnal Dimamu CONSEN: Indonesian Journal of Community Services and Engagement Journal of Islamic Economics and Business Gunung Djati Conference Series Moneta: Jurnal Manajemen & Keuangan Syariah Journal of Business Management and Islamic Banking Jurnal Maps (Manajemen Perbankan Syariah) INTERNAL (Information System Journal) Prestise: Jurnal Pengabdian Kepada Masyarakat Bidang Ekonomi dan Bisnis Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Iqtisad : Journal of Islamic Economic and Civilization International Journal of Islamic Khazanah
Vemy Suci Asih
UIN Sunan Gunung Djati Bandung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Social Sciences Other

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Social Impact Measurement by Social Return on Investment Based on Islamic Social Enterprise Fransiska, Ina Berliana; Manoarfa, Hilda; Juliana, Juliana; Asih, Vemy Suci
Iqtisad: Journal of Islamic Economic and Civilization Vol. 1 No. 1 (2025): Iqtisad : Journal of Islamic Economic and Civilization
Publisher : PT. Student Rihlah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61630/irjiec.v1i1.5

Abstract

This research is motivated by socio-economic imbalance that cannot be handled properly by the government so that the presence of social enterprise is needed in the midst of society. Evaluation and sustainable development in social enterprise is necessary to maintain its existence, by measuring the social impact that results from the social mission business. The concept of social enterprise itself is generally neutral without being based on religious values. The emergence of the concept of Islamic social enterprise is a novelty. This study uses a qualitative descriptive method that aims to describe the actual conditions of the application of the Islamic social enterprise concept in a company and measure their social impact. With injection of Islamic social enterprise in the process of measurement, this research has added value than others. The subject is Catenzo shoe company located in Cibaduyut, Bandung City. Catenzo has a significant role in empowering local shoe craftsmen in that area. The population is Catenzo partner shoe craftsmen as the main recipient of the impact of empowerment, amounting to 121 people with 25 people as sample. The Social Return on Investment (SROI) method is a measuring tool used in this study. The SROI ratio calculation results show that the Catenzo shoe company succeeded in creating a social impact or benefit for the partner shoe craftsmen.
Tobin's Q Modeling Through the Du Pont System Financial Performance Method Using SEM-PLS Yulandri, Elsa; Hertina, Dede; Asih, Vemy Suci
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.10899

Abstract

This study aims to examine the factors that influence Tobin's Q. This goal is achieved by testing the Debt to Equity Ratio (DER), Dividend Yield, and Firm Size through the financial performance mediating variable using the du Pont system method. This study uses a population of 20 companies indexed in the High Dividend Index of the Indonesia Stock Exchange with a saturated sample technique. The 20 companies are the samples in this study. This research approach uses descriptive quantitative that is path analysis to test the hypothesis that has been formed. The most important research result is that the financial performance of the du Pont system method affects mediating the Debt to Equity Ratio (DER) and Firm Size of Tobin's Q. Then, partially Dividend Yield and Financial Performance of the du Pont system method significantly influence the company's Tobin's Q. High Dividend Index 20
ANALISIS TOTAL KEWAJIBAN MELALUI SETORAN WADIAH DAN INVESTASI BERBAGI NIRLABA DI BTPN SYARIAH UNTUK PERIODE 2016-2023 Az-zahra, Sitti Fatimah; Vemy Suci Asih
Moneta: Jurnal Manajemen & Keuangan Syariah Vol 4 No 1 (2025): MONETA : Jurnal Manajemen dan Keuangan Syariah
Publisher : Program Studi Manajemen Keuangan Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/moneta.v4i1.14886

Abstract

Banking is vital for economic growth, acting as a financial intermediary (Marshal, 2019). Islamic banks differ from conventional banks by following profit- sharing principles instead of interest. As per Law No. 10 of 1998, Islamic banks meet the needs of Muslims avoiding interest (riba) and operate alongside conventional banks, offering products like Wadiah and Mudharabah-based savings. This study analyzes the effects of Wadiah deposits and non-profit-sharing investments on total liabilities at BTPN Syariah Bank from 2016-2023. Using descriptive and quantitative methods, the results show that Wadiah deposit contribute 34.8% ,non-profit sharing investments 84.5%, and both simultaneously contribute 92.3% to total liabilities, confirming their significant impact. The research uses time series data from PT BTPN Syariah Tbk's annual reports and applies various analytical methods, including descriptive analysis and hypothesis testing, with data processed using SPSS and Microsoft Excel. The findings align with existing theories, emphasizing the crucial role that both Wadiah deposits and non-profit-sharing investments play in shaping the bank's financial liabilities. This suggests that Islamic banking products are not only compliant with Sharia principles but also significantly contribute to the bank’s overall financial stability and growth.
Optimizing the Money Demand Function in Islamic States with Insights from Milton Friedman Yuda Septia Fitri; Vemy Suci Asih; Dudang Gojali
International Journal of Islamic Khazanah Vol. 14 No. 2 (2024): IJIK
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijik.v14i2.29723

Abstract

This study aims to develop a comprehensive model of money demand in Muslim countries. The methodology employed is a combination of qualitative and quantitative methods. The qualitative approach involves an extensive literature review of microeconomic theory, particularly the theory of marginal utility, Muslim consumption patterns, and macroeconomic theory regarding the factors influencing money demand. These theories help construct a robust model of money demand in an Islamic context. The quantitative approach verifies the proposed model using multiple linear regression analysis. This analysis examines the relationship between money supply, GDP, the rate of return on sukuk, and the collection of zakat, infaq, and charity in Indonesia over a period of 10 years. Key elements of the model include the integration of Islamic financial principles such as zakat, infaq, and charity, which are shown to have a positive relationship with the demand for money. The significance of using a mix of qualitative and quantitative methods lies in the ability to build a theoretical framework grounded in Islamic economic principles and empirically validate it with real-world data. The qualitative aspect provides a deep understanding of the specific theories and literature, including the works on marginal utility and Muslim consumption behaviors, which are crucial for modeling money demand in Islamic economies. The study findings are particularly important as they reveal a positive relationship between the collection of zakat, infaq, and charity, and the demand for money. This suggests that these Islamic financial instruments play a significant role in shaping money demand, highlighting the unique dynamics of Islamic economies. By integrating these elements, the study provides valuable insights into the financial behaviors in Muslim countries and underscores the importance of incorporating Islamic principles in economic models. This research contributes to a better understanding of how Islamic financial practices influence economic stability and growth, offering a pathway for developing effective monetary policies in Muslim countries.
Understanding Pilgrimage Tourist Satisfaction: Determinants, Revisit Intention, and Word of Mouth in Java Indonesia Dadang Husen Sobana; Vemy Suci Asih; Setiawan Setiawan; Elsa Yulandri
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2026)
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.v12i1.10737

Abstract

Purpose: This study examines the determinants of pilgrimage tourist satisfaction and analyzes its implications for revisit intention and Word-of-Mouth (WoM). Specifically, it explores the roles of religiosity, place attachment, destination image, emotional experience, and worldly desires in shaping satisfaction within pilgrimage tourism destinations.Design/Methodology: A quantitative approach was employed using a cross-sectional survey design. Data were collected through a questionnaire survey conducted from 240 pilgrims visiting major Wali Songo pilgrimage destinations in Java, Indonesia. The proposed relationships among variables were tested using variance-based Structural Equation Modeling (SEM-PLS).Findings: The results show that destination image and worldly desires have a positive and significant effect on tourist satisfaction. In contrast, religiosity, place attachment, and emotional experience do not significantly influence satisfaction. Tourist satisfaction positively affects revisit intention but does not directly influence WoM. Revisit intention, however, demonstrates a positive effect on Word of Mouth (WoM).Practical Implications: These findings suggest that pilgrimage destination managers should focus on strengthening destination image and addressing visitors’ experiential and personal motivations to enhance satisfaction and encourage repeat visits. Strategies that emphasize revisit intention may be more effective in generating positive WoM than relying solely on satisfaction-based recommendations.Originality/Value: This study contributes to pilgrimage tourism literature by positioning worldly desires as a key determinant of tourist satisfaction, offering a more comprehensive understanding of pilgrim motivation beyond purely spiritual dimensions. The results provide empirical insights for developing experience-oriented and sustainable pilgrimage tourism management strategies.
Exploring the Intention Purchase of Halal Food Products: Evidence from Indonesian Non-Muslim Consumers Vemy Suci Asih; Elsa Yulandri; Dudang Gojali; Dadang Husen Sobana; Setiawan
Journal of Business Management and Islamic Banking Vol. 2 No. 2 (2023)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v2i3.2088

Abstract

Research Aims:  It is necessary to know what factors attract non-Muslims to consume halal food products so that the right marketing strategy is obtained to expand that market. Research Method: The approach used is descriptive quantitative, multiple regression analysis. The characteristics of the study sample are Indonesian non-Muslims. Data was obtained through questionnaires, with a sample of 180 respondents. Research Findings: The results of the study show the variables that influence the intention to purchase halal products are product ingredients, product safety, and subjective norms. Product awareness does not affect the intention to purchase non-Muslim halal products. Originality: There is no research that discusses the factors that influence purchase intention, with a sample of Indonesian non-Muslims, and with the same variables as this study. Implication: Halal food products are available and can be consumed by Muslim and non-Muslim communities, so halal products have great potential to continue to grow.
Travel Cost Method for Valuing Destinations and Atractions: The Paradox of Muslim-Friendly Tourism Suteja Wira Dana Kusuma; Elsa Yulandri; Vemy Suci Asih; Endah Trihayuningtyas; Mila Badriyah
ASEAN Journal on Hospitality and Tourism Vol. 24 No. 1 (2026):
Publisher : Centre For Tourism Planning and Development

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5614/ajht.2026.24.1.01

Abstract

This study compares the economic value of two tourist sites: Al-Jabbar, a single attraction, and the City of Semarang (CoS), a multi-attraction site, using the Travel Cost Method (TCM). The results show a significant difference in consumer surplus, with CoS generating about Rp. 6,289,308 per visit, far exceeding Al-Jabbar's Rp. 801,282 per visit. This highlights CoS's broader appeal and diverse offerings, attracting more visitors and maximising economic benefits. Al-Jabbar visitors are more sensitive to travel cost changes, affecting their visit frequency, while CoS visitors show lower sensitivity, likely due to the variety of attractions. The study also reveals a paradox in Muslim Friendly Tourism (MFT) services. At Al-Jabbar, MFT considers a decrease in visit frequency, suggesting limited appeal, whereas at CoS, MFT has no significant impact, possibly due to the destination's diverse attractions. These insights are crucial for destination management and tourism development.
Strengthening Financial Literacy and Inclusion in Islamic Cooperatives Through Mentorship and Counseling in Indonesia Dadang Husen Sobana; Deni Kamaludin Yusup; Vemy Suci Asih; Elsa Yulandri; Fauzi Zulfikar Ahmad
Journal of Islamic Economics and Business Vol. 4 No. 2 (2024): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v4i2.45654

Abstract

West Java has a higher Sharia financial inclusion index than the national financial inclusion index, but this is not followed by the Islamic literacy index. This study aims to measure the increase in Islamic financial literacy and inclusion in the Islamic cooperative sector (BMT/KSPPS) before and after mentoring and counseling programs related to Islamic financial inclusion and literacy in West Java communities. The method used in this study is the Community-Based Participatory Research (CBPR) Method. The type of data used is primary data, which is obtained from the results of questionnaires and interviews in the field. The objects of service are categorized into two, namely mentoring programs for administrators and members of the BMT Al Muhsinin KSPPS, and community extension programs, and members of the ta'lim council in the BMT Al Muhsinin area. The data analysis technique uses a paired sample t-test difference test, with pre and post-test data related to Islamic financial literacy and inclusion. The results showed that there were significant differences before and after the mentoring and counseling. The four clusters carried out by mentoring and counseling began to understand more deeply important aspects of Islamic cooperatives such as the role of the Islamic supervisory board, the sales and purchase contracts used, daily practices, and profit-sharing ratios. With enhanced understanding, cooperative members and the general public have better access to Islamic financial services, which in turn can improve their economic well-being and support local economic development.
Enhancing Product Competitiveness at Griya Kerupuk MSMEs Through Packaging Design and Integrated Business Management Information System: Peningkatan Daya Saing Produk Pada UMKM Griya Kerupuk Melalui Desain Kemasan dan Manajemen Bisnis Terintegrasi Sistem Informasi Sofia Dewi; Ade Iskandar Nasution; Vemy Suci Asih; Lendra Afrizan Musadad
CONSEN: Indonesian Journal of Community Services and Engagement Vol. 6 No. 1 (2026): Consen: Indonesian Journal of Community Services and Engagement
Publisher : Institut Riset dan Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57152/consen.v6i1.2647

Abstract

This community service program was conducted at Griya Kerupuk MSME located in Walini Street, Rancaekek District, Bandung Regency, involving 7 participants consisting of 1 business owner and 6 employees. Griya Kerupuk MSME has promising potential for business development; however, several challenges remain, particularly related to product identity, packaging design, and business management practices that are still relatively simple. This program aimed to improve the partner’s understanding of product branding and more structured business management. The methods employed included observation, interviews, mentoring activities, training sessions, discussions, and questionnaire-based evaluations involving 50 respondents. The mentoring activities focused on logo development, packaging design improvement, and training on simple business record-keeping. The results showed an improvement in the partner’s understanding of the importance of product identity and packaging design in increasing product attractiveness and market value. Evaluation results indicated that 70% of respondents agreed that the new logo was easier to recognize, 72% stated that the packaging information was clearer, 74% agreed that the new packaging increased product value, and 72% stated that simple financial record-keeping helped improve business management. This program is expected to serve as an initial step in strengthening MSME competitiveness through improved product branding and more structured business management.
Determinants of The Resilience of The Muslim Fashion Industry During the Covid-19 Pandemic Yuda Septia Fitri; Vemy Suci Asih; Dudang Gojali
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 10 No. 1 (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.v10i1.5209

Abstract

This study examines the factors that supported the resilience of Muslim fashion micro, small, and medium enterprises (MSMEs) during the COVID-19 pandemic, a period in which the sector remained viable and continued to expand as a promising business opportunity. Using a quantitative explanatory design, the research analyzes how digital marketing, pricing, and design contribute to business resilience. Primary data were collected through a structured questionnaire administered to 87 Muslim fashion entrepreneurs in Bandung, West Java, Indonesia, who had operated continuously from 2018 to 2021. Respondents were selected using probability-based simple random sampling. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to estimate the relative effects of the three determinants. The results indicate that digital marketing provides the strongest positive contribution to resilience (β = 0.434), particularly through the use of websites, social media, and email. Pricing strategies also show a significant positive effect (β = 0.253), reflecting the importance of competitive prices, discounts, and affordability in maintaining customer demand under economic constraints. Design contributes positively as well (β = 0.190), emphasizing the role of trend alignment, designer input, and product uniqueness. Overall, the study offers empirical evidence that digital marketing is the most influential driver of resilience, followed by price and design. These findings inform policymakers and industry stakeholders seeking targeted interventions to strengthen the adaptive capacity of Muslim fashion MSMEs in times of disruption and uncertainty.
Co-Authors Abdulah Safe’i Ade Iskandar Nasution Aep Kusnawan Alawi, Nabil Muhammad Anggun Rositawati Adibrata Az-zahra, Sitti Fatimah Cyntia Dewi Dede Hertina Deni Heryanto Dudang Gojali Eka Yugi Meyliani Elsa Yulandri Elsa Yulandri Elsa Yulandri Elsa Yulandri Endah Trihayuningtyas Eri Novari Eva Shakira Evi Sopiah, Evi Fauzi Zulfikar Ahmad Fransiska, Ina Berliana Gina Saila Sofiah Gina Saila Sofiah Gojali, Dudang Hestiani Fauziyyah Husna Karima Rahmawulan Ichasan Fajar Ikaputera Waspada, Ikaputera Ilham Nurjaman, Ilham Iman Supratman Iskandar, Zeinku Putri Juliana Juliana Kamaludin Yusup, Deni Kusuma, Suteja Wira Dana Lendra Afrizan Musadad Manoarfa, Hilda Maya Sari Mila Badriyah Muhammad Agreindra Helmiawan Muhammad Al Mighwar Muhammad Zulvan Jamalu Ramadhan Nabil Muhammad Alawi Nadyya Awaliyyah Neneng Hartati, Neneng Nugraha Nur'aeni Nur'aeni Nur’aeni Nur’aeni Putri Zafira Rahma, Nadya Rifaldy, Rizky Saepul Akbar, Yosep Setiawan Setiawan Siti Nurazizah, Fitri Sobana, Dadang Husen Sofia Dewi Suteja Wira Dana Kusuma Widiawati Widiawati Widiawati Wisnu Uriawan Yadi Janwari Yuda Septia Fitri Yulandri, Elsa Zulhelmi, Tiara