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All Journal Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Jurnal Ilmiah Edunomika (JIE) Jurnal Ilmiah Akuntansi Kesatuan Dikmas: Jurnal Pendidikan Masyarakat dan Pengabdian Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Jurnal Teknologi dan Manajemen Industri Terapan The Es Economics and Entrepreneurship Borneo Islamic Finance and Economics Journal (BIFEJ) Jurnal Oportunitas : Ekonomi Pembangunan AMMA : Jurnal Pengabdian Masyarakat Irajagaddhita : Jurnal Pengabdian dan Pemberdayaan Masyarakat Jurnal Pengabdian Masyarakat dan Riset Pendidikan INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Jurnal Ekonomi Syariah Mulawarman (JESM)
Rinna Ramadhan Ain Fitriah
Fakultas Ekonomi Dan Bisnis Universitas Mulawarman, Samarinda.
Religion Arts Humanities Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Nursing Social Sciences Other

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The Influence of Financial Technology and Sharia Compliance on Consumer Trust (A Study on Students of the Faculty of Economics and Business, Mulawarman University, Users of Quick Response Code Indonesian Standard Mobile Banking by Bank Syariah Indonesia) Putri, Noor Armalia; Purwanti, Purwanti; Fitriah, Rinna Ramadhan Ain; Adawiyah, Rabiatul
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 5, NO.1, Juni 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v5i1.11243

Abstract

This research was conducted by Noor Armalia Putri with the title "The Influence of Financial Technology Innovation and Halal Aspects on Consumer Trust (Study on Students of the Faculty of Economics and Business, Mulawarman University, Users of Quick Response Code Indonesian Standard Mobile Banking by Bank Syariah Indonesia)" under the guidance of Purwanti. This research aims to determine the influence of financial technology innovation and halal aspects on consumer trust among students at the Faculty of Economics and Business, Mulawarman University who use QRIS Mobile Banking by Bank Syariah Indonesia. The method used in this research is a quantitative approach. The population in this study was active students of the Faculty of Economics and Business, Mulawarman University, with a total sample of 97 respondents selected through purposive sampling. Data collection was carried out through questionnaires distributed via Google Forms on the WhatsApp application. Data analysis techniques included validity tests, reliability tests, ordinal logistic regression analysis, overall model fit tests, goodness of fit tests, Nagelkerke R Square, and Wald tests (partial t-tests). The results of this research indicate that both financial technology innovation and halal aspects have a positive and significant influence on consumer trust. This shows that students who benefit from technological convenience and believe in the halal integrity of the system tend to have higher trust in QRIS services by Bank Syariah Indonesia.. Keywords: Financial Technology Innovation, Halal Aspects, Consumer Trust
Kemaslahatan Green economy dalam perspektif Maqashid Syariah pada Viernamo Ecoprint UMKM Griya Busana Racel Kota Samarinda Fitriah, Rinna Ramadhan Ain; Prameswari, Fera
Jurnal Oportunitas : Ekonomi Pembangunan Vol. 4 No. 2 (2025): Oportunitas, September 2025
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/oportunitas.v4i2.2163

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan konsep green economy dan mengkaji kesesuaiannya dalam perspektif Maqashid Syariah. Metode yang digunakan adalah pendekatan kualitatif, dengan lokasi penelitian di tempat produksi Viernamo Ecoprint, Jalan Bengkuring Raya No. 25, Kota Samarinda. Hasil penelitian menunjukkan bahwa Viernamo Ecoprint telah menerapkan konsep green economy secara maksimal, ditunjukkan melalui tiga indikator utama: rendah karbon (low carbon), efisiensi sumber daya (resource efficient), dan inklusi sosial (social inclusive). Dalam perspektif Maqashid Syariah, penerapan usaha ini juga dinilai telah memenuhi lima prinsip utama, yaitu menjaga agama, akal, jiwa, keturunan, dan harta.
The Effect of Regional Taxes and Regional Levies on Regional Financial Independence which Impact Economic Growth Zulfikar, Akbar Lufi; Swandari, Selly; Fitriah, Rinna Ramadhan Ain; Mahardika, Swadia Gandhi
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 2 (2025): JIAKES Edisi April 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i2.3261

Abstract

This study aims to determine the effect of regional taxes and regional levies on regional financial independence and their impact on economic growth in PPU. The method used is a quantitative approach with path analysis using SPSS software version 26. The results of the study indicate that regional taxes have a positive and significant effect on regional financial independence. The same thing is also shown by regional levies which significantly increase the level of fiscal independence. In addition, both regional taxes and regional levies have been shown to have a positive effect on economic growth in the region. Another important finding shows that regional financial independence also has a significant contribution to increasing economic growth. These results indicate that increasing regional original income from the tax and levy sector has a crucial role in strengthening regional fiscal capacity and encouraging sustainable economic development. Therefore, local governments need to continue to optimize the potential for revenue from taxes and levies through effective, transparent, and accountable governance in order to realize independent and prosperous regions.
Sosialisasi Central Bank Digital Currency (CBDC) Dalam Perspektif Ekonomi Syariah Gandhi Mahardika, Swadia; Lufi Zulfikar, Akbar; Ramadhan Ain Fitriah, Rinna; Widayati, Nurfiza
AMMA : Jurnal Pengabdian Masyarakat Vol. 2 No. 12 : Januari (2024): AMMA : Jurnal Pengabdian Masyarakat
Publisher : CV. Multi Kreasi Media

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

Abstract

From a Sharia Economic Perspective, Central Bank Digital Currency is a type of Fintech. The purpose of this socialization is to learn about it. The aim of this community is to study how Sharia places Central Bank Digital Currency as a currency or medium of exchange, and its influence. They will also see whether it is suitable to be used as a medium of exchange. Furthermore, the functions of money such as medium of exchange, standard of deferred payment, store of value, and unit account are adjusted to the value obtained from CBDC tracking and fiqh analysis. This study will investigate the concept of money and its components, as well as whether CBDCs are fair. Apart from that, this community will provide an explanation of Islamic views, especially Sharia views, regarding CBDC as a currency and medium of exchange.
Perception As A Moderating Variable Of The Influence Of Sharia Financial Literacy On The Decision To Become A BSI Customer Rinna Ramadhan Ain Fitriah; Swadia Gandhi Mahardhika; Akbar Lufi Zulfikar; Nurfiza Widayati
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 4 No. I (2025): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v4iI.834

Abstract

This study is a quantitative study with an explanatory approach, which uses previous research as the primary fuel to elaborate more deeply in this study and add new variations. The data used in this study are primary data that researchers obtained from 250 students throughout Indonesia. The data obtained was analyzed using the innovative PLS 4.0 analysis tool. The result of this article shows that the Sharia Financial Literacy variable can have a positive relationship direction and a significant influence on the decision to become a BSI customer. The P-values ​​in this article are positive and below the significance level of 0.05, namely 0.003. These results indicate that the Sharia Financial Literacy variable can improve students' financial conditions, intelligence, and so on, ultimately affecting the Decision To Become A BSI Customer. In the next row, the Perception variable can also moderate the influence of the Sharia Financial Literacy variable on the Decision To Become A BSI Customer because the P-values ​​are positive and below the significance level of 0.05, namely 0.000, more significant than the direct test, 0.003. Thus, it can be concluded that this article's first and second hypotheses can be accepted.
IMPLEMENTASI MANAJEMEN RISIKO PADA PERBANKAN SYARIAH DI INDONESIA Mahardika, Swadia Gandhi; Zulfikar, Akbar Lufi; Ain Fitriah, Rinna Ramadhan
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.15108

Abstract

Untuk menjamin stabilitas keuangan dan kepatuhan terhadap prinsip Syariah, perbankan syariah di Indonesia harus menerapkan manajemen risiko. Penelitian ini menyelidiki metode dan masalah manajemen risiko dalam konteks keuangan Islam. Studi ini melihat bagaimana metode manajemen risiko yang sesuai dengan Syariah dikombinasikan dengan metode manajemen risiko konvensional, dengan penekanan pada perubahan yang diperlukan untuk memenuhi persyaratan undang-undang dan sejalan dengan prinsip-prinsip etika Islam. Studi ini juga mengevaluasi seberapa efektif metode yang digunakan pada bank syariah di Indonesia untuk mengidentifikasi, menilai, dan mitigasi risiko, dengan menekankan betapa pentingnya transparansi dan tata kelola untuk mengurangi risiko keuangan. Penelitian ini juga membahas bagaimana badan pengawas berkontribusi pada pengembangan budaya manajemen risiko yang kuat di sektor perbankan syariah untuk meningkatkan ketahanan dan kepercayaan para pemangku kepentingan. Pada akhirnya, penelitian ini memberikan pemahaman yang lebih baik tentang bagaimana bank syariah di Indonesia menangani risiko sambil mempertahankan prinsip Syariah, dan menawarkan wawasan tentang metode manajemen risiko yang paling efektif dalam industri keuangan Islam di seluruh dunia. Kata Kunci: Bank Syariah, Manajemen Risiko, Prinsip Syariah
Co-Authors Abiyajid Bustami Akbar Lufi Zulfikar Bambang Iswanto Bustami, Abiyajid Indra Maulana Isna Yuningsih Isna Yuningsih Misbahul Munir Muh Shadiqul Fajri AF Nurfiza Widayati Prameswari, Fera PURWANTI PURWANTI Putri, Noor Armalia Rabiatul Adawiyah Selly Swandari Susanti, Dahlia Norjanah Norma Swadia Gandhi Mahardhika Swadia Gandhi Mahardika Widayati, Nurfiza