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All Journal Jurnal Manajemen dan Bisnis Jurnal Minds: Manajemen Ide dan Inspirasi Dinar: Jurnal Ekonomi dan Keuangan Islam COMPETITIVENESS JOURNAL BALANCE JOURNAL Jurnal Akuntansi STIE Muhammadiyah Palopo JMM (Jurnal Masyarakat Mandiri) Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Performance : Jurnal Bisnis dan Akuntansi Al-Kharaj: Journal of Islamic Economic and Business Journal of Community Service and Empowerment Tangible Journal Journal La Sociale International Journal of Community Service Jurnal Riset Ilmu Ekonomi Jurnal Ar-Ribh INVOICE : JURNAL ILMU AKUNTANSI AJARCDE (Asian Journal of Applied Research for Community Development and Empowerment) Ekombis Sains: Jurnal Ekonomi, Keuangan dan Bisnis Jurnal Ekonomi dan Binsis Return : Study of Management, Economic and Bussines International Journal of Community Service (IJCS) Eduvest - Journal of Universal Studies Jurnal Inovasi dan Pengembangan Hasil Pengabdian Masyarakat Revenue Journal: Management and Entrepreneurship IIJSE Assyfa Journal of Islamic Studies International Journal of Economic Research and Financial Accounting Indonesian Journal of Management Studies JEKAMI: Journal of Accounting IECON: International Economics and Business Conference E-JURNAL AKUNTANSI Tasharruf : Journal of Islamic Economics and Business Assyfa Journal of Multidisciplinary Education AJCD Balance: Jurnal Ekonomi Cashless
A Ifayani Haanurat
Magister Of Management, Postgraduate Program, Universitas Muhammadiyah Makassar, Indonesia
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Pengembangan Wakaf Produktif untuk Memperkuat Kemandirian Ekonomi Pesantren: Studi Kasus L-kaf Sidogiri A. Ifayani Haanurat; Fuadah Johari; Hainnuraqma Binti Rahim
Tasharruf : Journal of Islamic Economics and Business Vol. 4 No. 1 (2023): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v4i1.250

Abstract

Kemandirian ekonomi pesantren masih menjadi tantangan yang signifikan, terutama di pasar negara berkembang. Penelitian ini mengkaji peran dan implementasi wakaf produktif sebagai solusi untuk memberdayakan pesantren secara ekonomi. Fokus penelitian ini adalah L-kaf Sidogiri, yang telah secara efektif memanfaatkan wakaf uang sebagai instrumen untuk menghimpun dan mengelola dana wakaf. Metode penelitian kualitatif digunakan dalam penelitian ini, dengan data yang dikumpulkan melalui wawancara, dokumentasi, dan observasi langsung. Data dianalisis menggunakan teknik analisis deskriptif dalam pendekatan studi kasus.Hasil penelitian menunjukkan bahwa dana wakaf yang terkumpul diinvestasikan secara strategis pada berbagai unit usaha di dalam dan di luar lingkungan pesantren Sidogiri. Khususnya, 60% dari hasil wakaf dialokasikan untuk kegiatan berbasis pesantren, sementara 40% dialokasikan untuk inisiatif eksternal, yang memastikan pertumbuhan ekonomi berkelanjutan. Model ini tidak hanya meningkatkan kemandirian finansial pesantren, tetapi juga berkontribusi pada pengembangan masyarakat.Penelitian ini menyimpulkan bahwa wakaf produktif merupakan alat penting untuk memungkinkan kemandirian dan mendorong dampak sosial ekonomi yang lebih luas. Disarankan agar lembaga Islam lainnya mengadopsi model serupa untuk mencapai keberlanjutan finansial dan selaras dengan prinsip ekonomi Islam.
Pengaruh Budaya dalam Strategi Pemasaran: Studi Promosi Ramadhan dan Loyalitas Konsumen (2020-2022) A. Ifayani Haanurat; Rani Darmayanti
Tasharruf : Journal of Islamic Economics and Business Vol. 3 No. 2 (2022): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v3i2.637

Abstract

Penelitian ini mengeksplorasi pengaruh elemen budaya terhadap strategi pemasaran, khususnya dalam konteks promosi Ramadhan dan loyalitas konsumen di marketplace Indonesia pada periode 2020-2022. Penelitian ini menggunakan data dari studi sebelumnya serta analisis berbagai dimensi budaya untuk menggali hubungan antara strategi pemasaran yang berbasis budaya dan perilaku konsumen. Hasil menunjukkan bahwa budaya lokal memiliki dampak signifikan terhadap persepsi konsumen terhadap merek, terutama saat strategi pemasaran disesuaikan dengan nilai-nilai budaya lokal. Promosi Ramadhan, yang terkait dengan nilai religius, menciptakan ikatan emosional yang kuat dengan konsumen, sehingga meningkatkan loyalitas jangka panjang terhadap marketplace. Selain itu, kualitas layanan dan nilai produk berperan penting dalam niat konsumen untuk melakukan pembelian ulang, terutama pada merek yang berstandar halal. Penelitian ini menekankan pentingnya pemahaman mendalam terhadap elemen budaya dalam merancang strategi pemasaran yang efektif di pasar Indonesia. Dengan memanfaatkan momen budaya dan religius seperti Ramadhan, perusahaan dapat meningkatkan loyalitas konsumen dan memperkuat posisi mereknya di pasar
Optimizing Food and Beverage Business with an Omnichannel System in Emerging Markets (ASEAN) Ipahriani Rahman; Buyung Romadhoni; Andi Mappatompo Badawi; Andi Ifayani Haanurat; Muchriady Muchran
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.11498

Abstract

This study aims to analyze strategies for optimizing food and beverage businesses through omnichannel systems in increasingly competitive ASEAN emerging markets. Specifically, the study explores effective omnichannel implementation patterns, identifies success and failure factors in channel integration, examines the strategic implications of omnichannel adoption, and investigates the development of omnichannel systems in emerging market countries. This research employed a qualitative approach using a descriptive research design. Data were collected through passive participant observation, in-depth interviews, and documentation. A purposive sampling technique was applied to select ten key informants representing large-scale brands and MSMEs from Indonesia and Malaysia, including Gacoan, Fore Coffee, Kopi Kenangan, Tsuka Ramen & Bento, Es Teler Pattiro, Yappay, Kopi Komar, Lazuna Chicken, Moka Kopi, and Sugarbun. The data were analyzed using descriptive qualitative analysis involving data collection, reduction, display, and conclusion drawing, while credibility was ensured through source and technique triangulation. The findings reveal that the most effective omnichannel model for food and beverage businesses is the consistent integration of physical stores with digital channels, including social media, WhatsApp, marketplaces, delivery applications, and digital point-of-sale systems. The success of omnichannel implementation is influenced by information consistency, service responsiveness, stock accuracy, and standardized operating procedures, whereas the primary barriers include weak system integration, network limitations, unsynchronized inventory, and inadequate employee readiness. Furthermore, omnichannel implementation improves operational efficiency, expands market reach, enhances customer satisfaction, and strengthens customer loyalty. The study also indicates that emerging markets are increasingly moving toward integrated and data-driven digital ecosystems, although technological maturity varies across countries. The findings imply that food and beverage MSMEs should gradually strengthen digital integration by adopting simple technologies such as WhatsApp Business, QRIS, social media platforms, and digital POS systems before implementing more advanced features. Policymakers and supporting institutions are encouraged to provide digital training and infrastructure support to accelerate omnichannel transformation among MSMEs in emerging markets. Future studies may employ quantitative approaches to examine the effects of omnichannel implementation on business performance, customer satisfaction, and loyalty.
Financial Literacy, Digital Nomadism, and Fintech Payment on Consumptive Behavior: Self-Control as a Mediating Variable in Generation Z Husnaeda; A. Ifayani Haanurat; Muhammad Nur Abdi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.11513

Abstract

This study aims to analyze the influence of financial literacy, digital nomadism, and fintech payment on the consumptive behavior of Generation Z, with self-control as a mediating variable. The research was conducted nationally across Indonesia involving 252 Generation Z respondents born between 1999 and 2012 who are active fintech payment users from over 50 cities. Data were collected through an online questionnaire using purposive and snowball sampling techniques, and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) via SmartPLS 4.0, grounded in the Theory of Planned Behavior and Self-Control Theory. The results indicate that financial literacy, digital nomadism, and fintech payment each positively and significantly influence both consumptive behavior and self-control among Generation Z. The most notable finding is that higher financial literacy is associated with greater consumptive behavior (β = 0.348). This occurs because a better understanding of digital financial products encourages individuals to transact more actively and confidently, ultimately increasing spending frequency rather than reducing it. Self-control was confirmed as a partial mediator across all three pathways, with the model explaining 43.9% of the variance in Generation Z consumptive behavior This study affirms that self-control plays a critical role as the mechanism bridging external factors and actual consumption behavior. Therefore, financial education programs should integrate self-control training beyond mere cognitive knowledge transfer to effectively translate financial literacy into responsible financial behavior.
The Impact of Cybercrime on Customer Trust in Bank Syariah Indonesia Sriwahyuni Rustan; Ifayani Haanurat; Nurlina Nurlina
Jurnal Ekonomi & Bisnis Vol 5 No 1 (2026): Jurnal Ekonomi dan Bisnis
Publisher : Politeknik Baubau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57151/jeko.v5i1.1079

Abstract

This study aims to analyze the influence of cybercrime on customer trust in Bank Syariah Indonesia (BSI). A quantitative approach was employed, using a survey method by distributing questionnaires to BSI customers who have used digital banking services. The research instrument was structured using a Likert scale and analyzed with the help of SPSS version 30.0. The results of the analysis indicate that cybercrime has a positive and significant effect on customer trust. This means that the higher the level of threat or experience related to cybercrime, the greater the impact on decreasing customer trust in the security and digital services provided by the bank. These findings also reveal that customers' perceptions of digital security greatly influence their confidence in conducting banking transactions. Therefore, banking institutions, particularly BSI, need to strengthen their cybersecurity systems, continuously educate customers about digital safety, and ensure transparency in handling security incidents to maintain and enhance customer trust. This research contributes to the existing literature on customer trust and highlights the importance of data protection in the era of banking digitalization.
Investor Trust in Securities Depository Institutions: A Phenomenological Literature Review in Emerging Capital Markets Budi Mawan Aris; Husnaeda; Irpan; Muchriana Muchran; A. Ifayani Haanurat
Journal JEKAMI Vol. 6 No. 1 (2026): January 2026
Publisher : Pustaka Digital Indonesia

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

Abstract

This study aims to systematically examine and synthesize existing literature on investor trust in depository institutions within capital markets. Employing a qualitative literature review approach, this research integrates findings from prior empirical and conceptual studies to identify key determinants, theoretical perspectives, and emerging patterns related to trust formation. The analysis focuses on how investors perceive the role of depository institutions in ensuring the security, transparency, and reliability of securities ownership and transaction settlement systems. The results indicate that investor trust is primarily shaped by service quality, institutional reputation, system reliability, information transparency, and regulatory support. In particular, technological stability, secure electronic depository systems, and timely settlement processes significantly enhance investor confidence. Furthermore, trust is conceptualized as a multidimensional construct encompassing perceived security, legal certainty, and confidence in institutional integrity and professionalism. The findings also highlight that positive user experience and consistent system performance strengthen long-term trust, while system failures and lack of transparency may erode investor confidence. This study underscores the strategic role of depository institutions as a critical infrastructure in maintaining market integrity and fostering investor participation. By consolidating fragmented literature, this review contributes to the development of a comprehensive understanding of trust in capital market institutions and provides implications for policymakers and practitioners in improving service quality, regulatory frameworks, and technological resilience to sustain investor trust and market stability.
Dynamics of Corporate Financial Performance in IDX Carbon Initial Trading Participation: A DuPont Five-Step Approach Danil Maulana; A. Ifayani Haanurat; Asri Jaya
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.9740

Abstract

Global warming and increasing greenhouse gas emissions are driving various countries to develop carbon trading mechanisms as an instrument for emission control, including in Indonesia through the launch of IDX Carbon on September 26, 2023. This research aims to examine the dynamics of companies' financial performance before, during, and after participation in the inaugural carbon trading transaction via IDX Carbon using the DuPont Five-Step Analysis approach. The research population includes 16 companies participating in the inaugural IDX Carbon transaction, with a sample of seven companies selected using purposive sampling based on the availability of financial statements and annual reports. The data used consists of quarterly financial statements for the 2022-2024 period. The research problem focuses on the differences in Return On Equity (ROE) before, during, and after participation, as well as changes in DuPont components and their correlation to ROE. The analysis methods include descriptive analysis, comparative analysis, and correlation testing of DuPont components consisting of tax burden, interest burden, operating profit margin, asset turnover, and financial leverage. The research results indicate that companies' participation in the inaugural IDX Carbon transaction was not followed by a significant change in ROE in the short term. However, there were adjustments in the ROE-forming structure, especially an increase in interest burden pressure and the important role of operational efficiency and asset utilization in maintaining profitability. This research concludes that the impact of carbon trading on companies' financial performance is transitional and is more reflected through the dynamics of DuPont components than through aggregate changes in ROE.
Foreign Flow And Transaction Volume Of State-Owned Enterprise Shares In Response To The Announcement Of The Establishment Of Danantara: Event Study Nurmi Nurmi; Ismail Badollahi; A. Ifayani Haanurat
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.9763

Abstract

This study analyzes the response of the Indonesian capital market to the announcement of the establishment of Danantara as a national sovereign wealth fund using a comparative quantitative approach and event study method. The focus of the study is on changes in foreign flow and the volume of transactions of strategic state-owned enterprises on the Indonesia Stock Exchange. Secondary data was obtained from ten strategic state-owned enterprises with an observation period before and after the announcement in February 2025. The results show a significant difference in the trading volume of strategic SOE stocks after the establishment of Danantara. In addition, foreign selling experienced a significant change, while foreign buying did not show a significant difference. These findings indicate that the announcement of Danantara's formation was perceived as important information by the market and responded to in the short term, mainly through stock trading activities, while foreign investors tended to be more cautious in adjusting their investment decisions
Digital Operational Resilience in Islamic Banking: A Systematic Literature Review of Emerging Operational Risk Management Strategies in the Artificial Intelligence Era Salsabila Arianto; Sakia Putri Samsul; A. Ifayani Haanurat; Ramly Ramly
PERFORMANCE: Jurnal Bisnis & Akuntansi Vol 16 No 1 (2026): Performance: Jurnal Bisnis & Akuntansi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Wiraraja Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24929/feb.v16i1.5291

Abstract

Akselerasi digitalisasi industri keuangan syariah global yang telah melampaui nilai aset USD 3,9 triliun menghadirkan risiko operasional baru yang sistemik mencakup risiko siber, risiko algoritmik, dan risiko kepatuhan syariah berbasis teknologi seiring meluasnya adopsi kecerdasan buatan (AI), cloud computing, dan big data analytics oleh institusi keuangan Islam. Tujuan: Memetakan lanskap konseptual Digital Operational Resilience (DOR) pada perbankan syariah di era AI, mengidentifikasi dimensi risiko kritis, serta mensintesis strategi manajemen risiko operasional yang relevan dari literatur ilmiah yang ada. Metode: Systematic Literature Review (SLR) berbasis protokol PRISMA (Moher et al., 2009) dengan kerangka PICO, mencakup pencarian pada lima basis data utama (Scopus, Web of Science, EBSCOhost, ProQuest, Google Scholar) rentang 2015–2024. Hasil: Dari 2.847 rekaman awal, 94 artikel memenuhi kriteria inklusi. Tiga dimensi risiko kritis teridentifikasi: risiko siber, risiko algoritmik, dan risiko kepatuhan syariah berbasis teknologi. Dominasi literatur dari MENA (38,3%) dan Asia Tenggara (29,8%) mencerminkan konsentrasi institusional keuangan syariah global. Kesimpulan: Perbankan syariah menghadapi transformasi risiko operasional fundamental akibat adopsi AI. Penelitian ini berkontribusi secara teoritis dengan memetakan kesenjangan konseptual antara kerangka manajemen risiko konvensional dan kebutuhan unik institusi keuangan Islam dalam membangun ketahanan operasional digital berbasis maqashid al-syariah.
IDENTIFIKASI DAN MITIGASI RISIKO SYARIAH PADA PERBANKAN SYARIAH: SYSTEMATIC LITERATURE REVIEW Hairul Mar’i; Nurbiah Nurbiah; A. Ifayani Haanurat; Ramly Ramly
PERFORMANCE: Jurnal Bisnis & Akuntansi Vol 16 No 1 (2026): Performance: Jurnal Bisnis & Akuntansi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Wiraraja Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24929/feb.v16i1.5292

Abstract

Pertumbuhan industri perbankan syariah Indonesia yang pesat — dengan total aset menembus Rp1.028,18 triliun pada Oktober 2025 dan tumbuh 11,34% (yoy) (OJK, 2025) — tidak serta-merta membebaskan lembaga keuangan syariah (LKS) dari risiko. Berbeda dari bank konvensional, LKS menghadapi risiko unik berupa ketidakpatuhan terhadap prinsip syariah (shariah non-compliance risk) yang berdampak pada keabsahan transaksi, kerugian finansial, dan reputasi. Penelitian ini bertujuan mengidentifikasi jenis-jenis risiko syariah serta menganalisis strategi mitigasinya berdasarkan sintesis literatur terdahulu. Metode yang digunakan adalah Systematic Literature Review (SLR) dengan pendekatan PRISMA (Page et al., 2021), menelusuri artikel dari basis data dan mesin pencari akademik nasional (Garuda, Google Scholar) maupun internasional (Scopus, Emerald, SpringerLink) yang membahas risiko syariah, shariah non-compliance risk, dan peran Dewan Pengawas Syariah (DPS). Dari 32 rekaman awal yang diperoleh melalui empat tema pencarian, 12 artikel memenuhi kriteria inklusi dan dianalisis sebagai unit sintesis. Hasil kajian menunjukkan bahwa risiko syariah mencakup risiko kepatuhan, reputasi, hukum, operasional, dan produk syariah, di samping risiko khas syariah berupa risiko imbal hasil dan risiko investasi. Identifikasi risiko umumnya dilakukan melalui pemetaan akad, kajian fatwa, audit syariah internal, dan pengembangan Key Risk Indicator (KRI) berbasis data. Mitigasi yang paling banyak direkomendasikan meliputi penguatan independensi DPS, standardisasi akad berbasis fatwa DSN-MUI, audit syariah berkala, dan penanaman budaya kepatuhan syariah. Studi ini menyimpulkan bahwa efektivitas manajemen risiko syariah sangat bergantung pada tata kelola syariah yang terintegrasi antara regulator, DPS, dan manajemen internal LKS.
Co-Authors Abdul Khaliq Achmadi Achmadi Achmadi Achmadi Adinda Syalsyabilla Aidha Vedianty Alam Tauhid Syukur, Alam Tauhid Alda, Alda Ananda Saputri Andi Mappatompo Andi Nila Sari Andi Rustam Arman Arman Arni Arni Arsal, Muryani Arsyad Arsyad Asri Jaya Asrijal Bintang Awaliah, Eni Versary Azizah Saban Badollahi, Ismail Budi Mawan Aris Buyung Romadhoni Choiriah Muslimah Nurdin Choirudin, Choirudin Danil Maulana Dhakal, Amrit Fakhira Irwan Fuadah Johari Hainnuraqma Binti Rahim Hairul Mar’i Harfina Handayani Husnaeda Husnaeda Husnaeda Ipahriani Rahman Ipahriani Rahman Irpan Irpan Ismi Aulia Rahma Ramly J, Jusriadi Jam’an, Andi Kadriati Hasyim Karsinah Sidi Kartini Kartini M. Yusuf K M. Yusuf K M. Yusuf. K Mardin Mardin Mardin, Mardin Marsyad Alganawi Salam Meily Meliyani Muchran, Muchriady Muchriady Muchran Muchriana Muchran Muchriana Muchran Muchriana Muchran Muchriana Muchran Muchriana Muchran Muh. Saharulla Muhammad Nur Abdi Muhammad Syaiful Muhammad Syaiful Muhammad Umar Muryani Arsal Musdalifa Musdalifa Musdalifa Musdalifa Nasrullah Nasrullah Nasrullah Nasrullah Nur Yanti, Nur Nurbiah Nurbiah Nurlina Nurlina Nurlina Nurlina Nurmi Nurmi Nur’aeni Nur’aeni Pratiwi, Nurul Rezky Putri, Aisyah Aulia Rahman, Anisur Rahmawati Muin Ramly Ramly Rani Darmayanti Razak, Linda Arisanty Rd. Heri Solehudin Risaldi, Muh Romadhoni, Buyung Rony Kusmaladi Rusni Hasni Rustam, Andi S. Sukmawati Safitri Nurfianti Safri Haliding Sahabuddin Nanda Sahabuddin Nanda Sahabuddin Nanda Sahay Amrita Tollentino Saiful Bakhri Sakia Putri Samsul Salam, Marsyad Alganawi Salsabila Arianto Samsul Bahari Siti Asiah Azis Sriwahyuni Rustan Suarni, Agusdiwana Sukmawati - Sukmawati S Sukmawati Sukmawati Syafaruddin Syafaruddin Syafaruddin Syafaruddin Tiwi Tiwi Tollentino, Sahay Amrita Totok Hendarto Vikram Singh Wa Ode Rayyani Wa Ode Rayyani Wa Ode Rayyani Wa Ode Rayyani Wahyudi Malik Wahyudin Rahman Warda Warda Yusra Putri Zalkha Soraya Zalkha Soraya Zalkha Soraya Zalkha Soraya