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All Journal Management and Economics Journal (MEC-J) Shirkah: Journal of Economics and Business Amwaluna Jurnal Ekonomi dan Keuangan Syariah Bantenese Jurnal Pengabdian Masyarakat POINT AL-ARBAH: Journal of Islamic Finance and Banking JEBDEKER: Jurnal Ekonomi, Manajemen, Akuntansi, Bisnis Digital, Ekonomi Kreatif, Entrepreneur Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Al-bank: Journal of Islamic Banking and Finance Indonesian Community Journal Jurnal Pengabdian Masyarakat STIE Surakarta (DIMASETA) JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Journal of Finance and Islamic Banking Al-bank: Journal of Islamic Banking and Finance JPS (Jurnal Perbankan Syariah) Jurnal Akuntansi JIFA (Journal of Islamic Finance and Accounting)
Mardhiyaturrositaningsih
Universitas Islam Negeri Walisongo Semarang
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Public Health Social Sciences Other

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Islamic Financial Inclusion in Islamic Bank: A Study of Supply and Demand in Central Java Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Janah, Rohmatul
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14580

Abstract

This study examines the constraints and strategies for enhancing Islamic financial inclusion in Central Java from the perspectives of supply and demand. Using a qualitative descriptive approach, data were collected through Focus Group Discussions with five Islamic Rural Banks (BPRS) and surveys involving 66 MSMEs. Findings reveal seven supply-side constraints, including limited public and human resource literacy, absence of ATMs, restricted branch networks, limited capital, difficulties in customer segmentation, and inadequate socialization efforts. Meanwhile, six demand-side barriers were identified, such as limited awareness of BPRS, perceived complexity in financing requirements, and concerns over collateral and loan repayments. To address these issues, two strategies are proposed: 1) targeted socialization and education campaigns and 2) enhanced collaboration with community organizations and stakeholders. The study underscores the need for joint efforts by BPRS, MSMEs, and the government to improve infrastructure and accessibility, thereby fostering broader Islamic financial inclusion
Islamic Financial Inclusion in Islamic Bank: A Study of Supply and Demand in Central Java Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Janah, Rohmatul
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14580

Abstract

This study examines the constraints and strategies for enhancing Islamic financial inclusion in Central Java from the perspectives of supply and demand. Using a qualitative descriptive approach, data were collected through Focus Group Discussions with five Islamic Rural Banks (BPRS) and surveys involving 66 MSMEs. Findings reveal seven supply-side constraints, including limited public and human resource literacy, absence of ATMs, restricted branch networks, limited capital, difficulties in customer segmentation, and inadequate socialization efforts. Meanwhile, six demand-side barriers were identified, such as limited awareness of BPRS, perceived complexity in financing requirements, and concerns over collateral and loan repayments. To address these issues, two strategies are proposed: 1) targeted socialization and education campaigns and 2) enhanced collaboration with community organizations and stakeholders. The study underscores the need for joint efforts by BPRS, MSMEs, and the government to improve infrastructure and accessibility, thereby fostering broader Islamic financial inclusion
The Effect of Perceived Ease, Risk and Financial Literacy on the Use of QRIS as a Digital Payment in MSMEs Ida Riskawati; Mardhiyaturrositaningsih; Saekhu
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 7 No. 1 (2025)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2025.7.1.26744

Abstract

Purpose - This study aims to examine the Influence of Perceived Ease, Perceived Risk and Financial Literacy on the Decision to Use the Quick Response Code Indonesian Standard (QRIS) as a Digital Payment in MSMEs. Method - This research is a quantitative research type with a sample of 100 MSMEs. This study uses multiple regression analysis to identify the Influence of Perceived Ease, Perception of Risk and Financial Literacy on the Decision to Use the Quick Response Code Indonesian Standard (QRIS) as Digital Payment in MSMEs. Result - The results of this study indicate that there is an influence between Perceived Ease, Perception of Risk and Financial Literacy on the Decision to Use QRIS. Implication - This study identifies the use of QRIS in MSMEs in Semarang. Originality - This paper identifies that there are factors of Perceived Ease, Perception of Risk and Financial Literacy as factors causing the decision of MSMEs in Semarang City to use QRIS digital payments. Keywords:           Financial Literacy, Perceived Ease, QRIS, Risk
Determinant Factors of Digital Financial Literacy: A Study of Women Entrepreneurs Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Muhammad Luqman Hakim
Journal of Finance and Islamic Banking Vol. 5 No. 2 (2022)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v5i2.5495

Abstract

Micro, Small, and Medium Enterprises contribute to 61% of economic growth in Indonesia. The financial gap in MSMEs financing is based on data from the Ministry of Cooperatives and MSMEs. Women comprised the majority of MSMEs (61.8%). There were 38.03% literacy problems and 76.19% inclusion criteria. This study investigated the digital financial literacy of female entrepreneurs in Central Java. A survey method was used in this study with 100 women entrepreneurs. Digital Financial Literacy is identified in the three OECD components: Digital Financial Knowledge, Digital Financial Behavior, and Digital Financial Attitudes. The results of this study indicate that the average respondent had sufficient knowledge of digital finance. Limited knowledge of insurance services and capital markets. Meanwhile, the digital financial behavior and attitude components show that digital security protection measures are still low. It is hoped that digital financial literacy can support female entrepreneurs in developing their businesses.
Strategy of Islamic Rural Banks Improving Financial Performance During the Covid-19 Pandemic Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Janah, Rohmatul
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.v7i2.8915

Abstract

This study aims to measure the pattern of Islamic Rural Banks strategic management in Central Java during the Covid-19 Pandemic. This study use SWOT Analysis by determining Internal Factor Analysis Summary (IFAS) and External Factor Analysis Summary (EFAS). The sources of this research data were collected through a Focus Group Discussion conducted with the Financial Services Authority, Islamic Rural Banks Practitioners and Academics. The results of the study show that the Islamic Rural Banks considers the Covid-19 pandemic as a challenge with several priority aspects of control. Strategy formulation and implementation are carried out through changes to the Bank's Business Plan. Bank limited the distribution of high-risk financing during the Covid-19 Pandemic. Islamic Rural Banks focuses on the health sector, cooperation and government projects.
Financial Accessibility of Small and Medium Enterpraise (SMEs) in Surakarta City Hakim, Muhammad Luqman; Ningsih, Mardhiyatur Rosita
JIFA (Journal of Islamic Finance and Accounting) Vol. 3 No. 1 (2020)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jifa.v3i1.2342

Abstract

Small and Medium Enterprise (SMEs) is priority economics sector until 65 percent in Indonesia. It had been priorities focus of government policy to financial access in banking helped SMEs. The research is aim to analyze the influence of SMEs Characteristic, Financial Literacy, and Lending Term toward Financial Accessi- bility SMEs in Surakarta city. The research had sample from SMEs registered in SMEs government in Surakarta city is 100 sample. Sample of the research with proportionate stratified random sam- pling technique. Methodology in this research is regression. The Re- sult of this research state that the SMEs Characteristics, Financial Literacy, and Lending term positif toward Financial Accessibility Keywords: Financial Accessibility, Financial Literacy, Lending Term, SMEs Characteristics JEL Classification: G32, L22,L26
Determinants of Financial Stability in Islamic Banks Mawaddah, Dewi Malihatul; Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Nihayah, Ana Zahrotun
Jurnal Akuntansi Vol. 17 No. 2 (2025): Vol. 17 No. 2 (2025)
Publisher : Universitas Kristen Maranatha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28932/jam.v17i2.11866

Abstract

Purpose – This study aims to analyze the factors that influence inflation, financing risk, and digital payments on financial stability at Islamic Commercial Banks in Indonesia. Design/Methodology/Approach – This study uses a quantitative approach and purposive sampling technique with sample criteria being banks listed during the study period and publishing complete quarterly reports consistently. The data analysis technique uses panel data regression analysis, with the Random Effect Model (REM) in EViews 13. Findings – The results of the study indicate that inflation has a significant positive effect on the financial stability of Islamic banks. Financing risk has a significant negative effect on the financial stability of Islamic banks. Meanwhile, the digital payment variable does not have a significant effect on the financial stability of Islamic banks.Research limitations/Implications – This study provides empirical insights by combining macroeconomic, risk, and digital payment variables to assess the stability of Islamic banks, which has been underexplored in previous research. The limitation of this study is the limited variable and geographical coverage of Islamic banks in Indonesia. Therefore, future research is recommended to include other factors and use a cross-country comparative approach to gain a more complex understanding of the financial resilience of Islamic banks. Keywords: Digital Payments, Financial Stability, Financing Risk, and Inflation
Pendampingan Digitaliasi UMKM:  Pembuatan Promosi Digital Melalui Media Sosial dan Google Maps di Desa Jetak Kecamatan Getasan Kabupaten Semarang Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Muhammad Faaiz Zamzami
BANTENESE : JURNAL PENGABDIAN MASYARAKAT Vol. 7 No. 2 (2025): Bantenese: Jurnal Pengabdian Masyarakat
Publisher : Pusat Studi Sosial dan Pengabdian Masyarakat Fisipkum Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/g7xhf350

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran penting dalam menopang perekonomian nasional namun UMKM di daerah pedesaan sering mengalami permasalahan kurangnya literasi dalam pemanfaatan teknologi digital termasuk pada UMKM di Desa Jetak Kecamatan Getasan, Kabupaten Semarang. Kegiatan pengabdian ini dilakukan bertujuan untuk memberikan pendampingan bagi UMKM dalam membuat video konten untuk memasarkan produk dan membuat titik lokasi pada google maps, meningkatkan pengetahuan mengenai cara pemanfaatan teknologi digital. kegiatan ini menggunakan metode Participatory Action Research. Kegiatan terdiri atas pembuatan media pemasaran dalam bentuk konten promosi dan pendampingan pembuatan titik lokasi dalam google maps. Hasil dari kegiatan pengabdian ini membuat para pelaku UMKM memiliki media-media yang dapat membantu dalam memasarakan produknya ke pasar yang lebih luas lagi. Pemanfaatkan teknologi digital diharapkan mampu membantu UMKM dalam meningkatan usahanya.
Islamic Financial Inclusion in Islamic Bank: A Study of Supply and Demand in Central Java Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Janah, Rohmatul
Al-bank: Journal of Islamic Banking and Finance Vol 5 No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14580

Abstract

This study examines the constraints and strategies for enhancing Islamic financial inclusion in Central Java from the perspectives of supply and demand. Using a qualitative descriptive approach, data were collected through Focus Group Discussions with five Islamic Rural Banks (BPRS) and surveys involving 66 MSMEs. Findings reveal seven supply-side constraints, including limited public and human resource literacy, absence of ATMs, restricted branch networks, limited capital, difficulties in customer segmentation, and inadequate socialization efforts. Meanwhile, six demand-side barriers were identified, such as limited awareness of BPRS, perceived complexity in financing requirements, and concerns over collateral and loan repayments. To address these issues, two strategies are proposed: 1) targeted socialization and education campaigns and 2) enhanced collaboration with community organizations and stakeholders. The study underscores the need for joint efforts by BPRS, MSMEs, and the government to improve infrastructure and accessibility, thereby fostering broader Islamic financial inclusion
The Financing Structure of Islamic Banks: A Comparative Study Mardhiyaturrositaningsih, Mardhiyaturrositaningsih
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 1 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.1.14662

Abstract

AbstractPurpose - This study aims to analyse the  financing structure of Islamic Commercial Bank and Islamic Business Unit. This Study Compare the financing structure before and during the Covid-19 pandemic.Method - This research is using The comparative research method to determine differences in the financing structure of Islamic Banks before and during the Covid-19  period.Result - The result of this research indicates that the financing structure of Islamic Commercial Banks and Islamic Business Units based on the type of shari’ah compliant contract and the type of usage shows differences before and during the covid-19 pandemic. The decrease is shown in financing with mudharabah and ijarah contracts.Implication - The research indicates that the Bank has been impacted by the Covid-19 pandemic as indicated by changes in the financing structure of the banking system. Banks need to determine the right strategy in this situation.Originality- This study conducted a financing test based on the type of contract and the type of usage. This study identified two conditions in the period before and during the pandemic.  
Co-Authors Arif Afendi Dimas Martha Alif Ida Riskawati Janah, Rohmatul Mahfudz, Muhammad Syarqim Mawaddah, Dewi Malihatul Muhammad Faaiz Zamzami Muhammad Luqman Hakim Muhammad Luqman Hakim, Muhammad Luqman Muyassarah Nihayah, Ana Zahrotun Nuzula, Nur Meilinda Ridwan Maulana Ririn Dwi Ariyanti Saekhu