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All Journal AT-TASYRI' Jurnal Ilmiah Prodi Muamalah JIHBIZ :Global Journal of Islamic Banking and Finance. Jurnal Ilmiah Mahasiswa Ekonomi Islam (JIMEKI) Banco: Jurnal Manajemen dan Perbankan Syariah Jurnal Ilmiah Basis Ekonomi dan Bisnis JURNAL ILMIAH GEMA PERENCANA Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Manajemen dan Sekretari Jurnal Simki Economic
Rachmi Meutia
Universitas Islam Negeri Ar-Raniry
Religion Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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FACTORS INFLUENCING INTENTION TO DONATE AT THE MOSQUES USING QRIS IN BANDA ACEH Arifin, Muhammad; Meutia, Rachmi; Zakiiya, Ghulaman
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 1 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v7i1.28208

Abstract

Charity is one form of generosity that plays an important role in helping those in need. With the advancement of technology, methods of collecting donations (Sadaqah) have also undergone transformation, one of which is through the use of QRIS (Quick Response Code Indonesian Standard). The use of QRIS in charity offers several advantages, such as convenience, transparency, efficiency, and security. Donors can make contributions quickly and practically by simply scanning a QR code using a digital payment application, without the need to carry cash or perform manual bank transfers. This study aims to examine the influence of financial literacy, perception of benefits and perception of ease on the interest in donating at mosques using QRIS among mosque congregants in Banda Aceh City (Study on Mesjid Raya Baiturrahman, Mesjid Oman Al-Makmur, and Mesjid Jamik Unsyiah). The research method used is quantitative with a multiple linear regression model. The primary data was obtained through questionnaires given to the congregants of these mosques. Partial test results show that these three variables; financial literacy, perception of benefits and perception of ease have positive influence on the interest in donating at the mosque using QRIS in Banda Aceh City. The findings offer insight that although QRIS can enhance mosque donations, it is crucial to address financial literacy and comprehension obstacles to optimize its efficacy for the donors.AbstrakSedekah merupakan salah satu bentuk kedermawanan yang memegang peranan penting dalam membantu mereka yang membutuhkan. Seiring dengan kemajuan teknologi, metode pengumpulan infak (sadaqah) pun mengalami transformasi, salah satunya melalui penggunaan QRIS (Quick Response Code Indonesian Standard). Penggunaan QRIS dalam bersedekah menawarkan beberapa keuntungan, seperti kemudahan, transparansi, efisiensi, dan keamanan. Para donatur dapat memberikan donasi secara cepat dan praktis hanya dengan memproses kode QR menggunakan aplikasi pembayaran digital, tanpa perlu membawa uang tunai atau melakukan transfer bank secara manual. Penelitian ini bertujuan untuk menguji pengaruh literasi keuangan, persepsi kemudahan, dan persepsi manfaat terhadap minat berdonasi di masjid menggunakan QRIS pada jamaah masjid di Kota Banda Aceh (Studi di Mesjid Raya Baiturrahman, Mesjid Oman Al-makmur, dan Mesjid Jamik Unyiah). Metode penelitian yang digunakan adalah kuantitatif dengan model regresi linier berganda. Hasil uji parsial menunjukkan bahwa ketiga variabel tersebut; Literasi keuangan, persepsi kemudahan, dan persepsi manfaat berpengaruh terhadap minat berdonasi di masjid menggunakan QRIS di Kota Banda Aceh. Hasil penelitian ini memberikan wawasan bahwa meskipun QRIS dapat meningkatkan donasi masjid, namun kendala literasi dan pemahaman keuangan perlu diatasi agar efektivitasnya dapat optimal bagi para donatur.
Does Financial Inclusion Affect Financial System Stability? Evidence from Indonesia Meutia, Rachmi; Billa, Salsa
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 1 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i1.388

Abstract

Financial system stability represents a fundamental component of the economy, as it facilitates the efficient functioning of financial transactions. It is argued that the financial inclusion tends to enhance the financial stability. This study aims to investigate the effect of financial inclusion variables through fintech integration specifically Peer-to-Peer (P2P) lending, E-Money, and Interest Rates on Financial System Stability (FSS) in Indonesia, with the Non-Performing Loan (NPL) ratio serving as a proxy. The analysis uses the Vector Error Correction Model (VECM) with monthly time series data from 2018-2023. The results of this study show that only the E-Money variable has a significant influence on Financial System Stability, both in the short term and the long term. In contrast, Peer-to-Peer lending and Interest Rates do not significantly affect Financial System Stability in either the short or long term. This study emphasizes the need for policymakers undertake comprehensive and well-considered policy measures in advance of implementing financial inclusion-oriented initiatives. It is recommended that financial institutions strengthen the supervision of peer-to-peer (P2P) lending activities to mitigate the risk of default. Furthermore, enhancing public awareness of the advantages of cashless transactions is essential to promote the adoption of non-cash payment instruments.
Analisis Dampak Kebijakan Moneter terhadap Pertumbuhan Ekonomi di Indonesia Rachmi Meutia; Muhammad Adnan; Lilis Kaslita
Jurnal Simki Economic Vol 9 No 1 (2026): Volume 9 Nomor 1 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i1.1493

Abstract

Economic growth serves as a vital benchmark for national development and is the foundation of the sustainable development process. This study examines the effects of inflation, the money supply (M1), and the exchange rate on Indonesia's economic growth. Using a quantitative approach, this study analyzes secondary quarterly time series data from 2015–2023 sourced from Statistics Indonesia (BPS) and Bank Indonesia (BI). The Vector Error Correction Model (VECM) is applied to analyze the short- and long-term dynamics between these variables. The results show that in the long run, inflation does not significantly influence economic growth in Indonesia, while the money supply and the exchange rate have a significant influence on economic growth. Conversely, short-term estimation results indicate that the three independent variables of inflation, the money supply (JUB), and the exchange rate do not significantly influence fluctuations in national economic growth. As a policy implication, monetary authorities and the government need to maintain inflation stability and manage JUB liquidity and the exchange rate wisely to create a macroeconomic climate conducive to stable economic growth.
Penguatan Keuangan Pondok Pesantren: Identifikasi Faktor yang Mempengaruhi Pemberdayaan Ekonomi di Dayah Mini Aceh Zulhilmi, Muhammad; Safitri, Winny Dian; Afriani, Susi; Meutia, Rachmi
JURNAL ILMIAH GEMA PERENCANA Vol 4 No 3 (2026): Jurnal Ilmiah Gema Perencana
Publisher : POKJANAS Bekerja Sama Biro Perencanaan dan Penganggaran, Sekretariat Jenderal Kementerian Agama RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61860/jigp.v4i3.341

Abstract

Dayah Mini Aceh has excellent potential in boosting the economy. This can be seen in the businesses that have been developed in Dayah Mini, including fish and shrimp ponds, goats, chickens, ducks and water depots managed directly by the students. The purpose of this study is to find out and analyze how much the understanding of entrepreneurship affects the economic empowerment of Pondok Pesantren. This study is quantitative research using the Structural Equation Modeling (SEM) method with a Partial Least Square (PLS) approach with a population of 30 Dayah Mini Aceh students aged 16-19 years. The data used in this study is primary data by distributing questionnaires directly. The results of this study show that entrepreneurial knowledge does not have a significant effect on the empowerment of Pondok Pesantren. This can be influenced by the age factor of the students who are still very young in making a decision; entrepreneurial ability does not have a significant effect on the economic empowerment of pesantren because the role of students as business managers is not administrative or business sustainability; entrepreneurial skills have a significant effect on the economic empowerment of pesantren-based communities; Creative and innovative in entrepreneurship has a significant effect on the economic empowerment of Pondok Pesantren. Economic empowerment in Dayah Mini must be carried out actively by improving the skills, innovation and creativity of students in developing the spirit of entrepreneurship in order to encourage the financial strengthening of Dayah Mini Aceh.
Co-Authors A. Rahmad Adi Afriani, Susi Billa, Salsa Dinillah, T Hafizhly Fitrah Afandi Inayatillah Inayatillah indah Julita , Julita Kamri, Nor ‘Azzah Kaslita, Lilis Khairul Amri Khairul Amri Lilis Kaslita Marisa Saputri Marwiyati Muhammad Adnan Muhammad Adnan Muhammad Arifin Muhammad Rizki Muhammad Zulhilmi Nilam Sari Safira, Nabila Salsabila Salsabila, Cut Sarah Athiyah Samsul Rizal Sri Minta Suriani Suriani Winny Dian Safitri Yusof, Ku Abdulmuhaimin Zakiiya, Ghulaman