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All Journal AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat Jurnal Akuntansi dan Ekonomika 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 ABDIKARYASAKTI Jurnal Pengabdian Masyarakat STIE Surakarta (DIMASETA) Jurnal Akuntansi dan Keuangan Islam (JAKIs) JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Jurnal Penelitian Multidisiplin Bangsa 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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Literasi Keuangan dan Perlindungan Kejahatan Digital pada Masyarakat Desa Leyangan Mardhiyaturrositaningsih Mardhiyaturrositaningsih; Kharisma Zahra Fauzia
Aksiologiya: Jurnal Pengabdian Kepada Masyarakat Vol 10 No 2 (2026): Mei
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/aks.v10i2.28217

Abstract

Digitalisasi diterapkan dalam berbagai sektor kehidupan tidak terkecuali sektor keuangan. Masyarakat Desa Leyangan berdasarkan observasi menunjukkan mayoritas belum mendapatkan informasi mengenai keuangan digital dan perlindungan dari kejahatan digital. Hal ini berdampak pada masih terbatasnya penggunaan fasilitas keuangan digital yaitu 32 persen. Tujuan kegiatan ini adalah dalam rangka peningkatan literasi keuangan digital dan perlindungan kejahatan digital pada masyarakat Desa Leyangan. Kegiatan pengabdian ini dilakukan dengan menggunakan metode Service Learning yang dilakukan dengan memberikan sosialisasi tentang literasi keuangan dan perlindungan kejahatan digital pada masyarakat Desa Leyangan. Literasi pinjaman online dan upaya perlindungan dari bentuk kejahatan digital disampaikan dalam sosialisasi tersebut. Hasil dari kegiatan ini menunjukkan terjadinya peningkatan literasi peserta lebih dari 80 persen. Hal ini ditunjukkan dengan perubahan hasil jawaban peserta mengenai literasi keuangan digital dan perlindungan kejahatan digital sebelum dan setelah kegiatan. Harapannya melalui kegiatan sosialiasi ini masyarakat dapat memanfaatkan fasilitas layanan keuangan digital dalam kegiatannya dengan tetap menerapkan sikap kehati-hatian.
Determinan Adopsi Green Banking Nasabah Bank Syariah Indonesia di Semarang: Peran Persepsi Sebagai Mediasi Damayanti, Afina; Furqon, Ahmad; Mardhiyaturrositaningsih, Mardhiyaturrositaningsih
Akuntansi & Ekonomika Vol 16 No 1 (2026): Jurnal Akuntansi dan Ekonomika
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Universitas Muhammadiyah Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37859/jae.v16i1.11298

Abstract

The implementation of green banking is essential for Islamic banking in supporting sustainability. This study is based on an environmental survey showing that air quality in Semarang is categorized as moderate and may negatively affect public health. The study aims to analyze the influence of awareness, social influence, and environmental factors on the adoption of green banking among BSI customers in Semarang. A quantitative approach using SEM-PLS was applied to 130 respondents. The findings indicate that awareness, social influence, and environmental factors do not significantly affect green banking adoption directly. However, perception significantly moderates the relationship between awareness and adoption decisions. These results highlight the importance of positive customer perceptions of green banking benefits as a strategic reference for banks in improving education and developing sustainable green banking services in the future.
The Effect of Capital Structure on the Financial Performance of Islamic Banks: Mediation of Liquidity Risk Nur Meilinda Nuzula; Arif Afendi; Mardhiyaturrositaningsih Mardhiyaturrositaningsih
MEC-J (Management and Economics Journal) Vol 10, No 1 (2026)
Publisher : Faculty of Economics, State Islamic University of Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/mec-j.v10i1.41261

Abstract

The study uses liquidity risk as a mediating variable to look at the relationship between Indonesian Islamic banks’ capital structure and financial performance. A quantitative methodology was applied using secondary panel data from 13 Islamic commercial banks for the years 2021-2024. Regression of panel data and the Sobel test in EViews 12 were used for the analysis. This study measures financial performance using variables related to liquidity risk and structural capital. The findings demonstrate that capital structure significantly and favorably affects liquidity risk as well as financial performance. Furthermore, financial performance is favorably and strongly impacted by liquidity risk. The Sobel test results demonstrate that liquidity risk serves as a mediating component in part. Regarding the relationship between financial performance and capital structure. These results demonstrate that strong management of liquidity and efficient debt management can boost Islamic banks' profitability.
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.  
Human Resources Development Program in Islamic Commercial Banks Mardhiyaturrositaningsih Mardhiyaturrositaningsih
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 5 No. 2 (2023)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2023.5.2.18106

Abstract

Purpose - This study aims to explore competency development programs to improve sustainable finance in Islamic Commercial Banks.Method - This research is using qualitative research methods to explore human resource management in Islamic Commercial Banks. This research is an exploratory study of the human resource development program at Islamic Commercial Banks during the Covid-19 pandemic. The research identifies the structure, training and development costs and human resource development strategies.Result - The results of this research indicate that each bank has a diverse strategy in developing employee competency through training and development programs. The employee structure of Sharia Commercial Banks also varies according to organizational needs. However, in the educational aspect there are similarities in that the majority are dominated by undergraduate education levels. The allocation of training and development funds at several banks has decreased due to the Covid-19 pandemic.  Implication - This study implies the important role of human resources in an organization and the need for strategies to increase employee competency.Originality- This paper provides information regarding the employee structure of Islamic Commercial Banks and the policies developed at each Islamic Commercial Bank in Indonesia. 
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
Determinants of Generation Z Interest in Using Bank Jago Syariah: Financial Literacy, Brand Trust, and Price Saving Orientation Alifatul Afwah; Arif Afendi; Mardhiyaturrositaningsih Mardhiyaturrositaningsih; Muhammad Rasyidin
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 8 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2026.8.1.31524

Abstract

Purpose - This study aims to examine the effect of financial literacy, brand trust, and price-saving orientation on Generation Z’s intention to use Bank Jago Syariah in Semarang City. Method - The research method used in this study was quantitative. Data were collected through questionnaires distributed to 100 Generation Z respondents in Semarang using purposive sampling. The data were analyzed using multiple linear regression with SPSS version 26. Result - The results indicate that financial literacy, brand trust, and price-saving orientation have a positive and significant effect on Generation Z’s intention to use Bank Jago Syariah. Implication - These findings suggest that digital Islamic banks need to enhance financial education, strengthen brand credibility, and provide competitive financial benefits to attract younger users. Originality - This study contributes to the literature by examining the combined role of financial literacy, brand trust, and price-saving orientation in influencing Generation Z’s intention to use Islamic digital banking services. Keywords: Financial Literacy, Brand Trust, Price-Saving Orientation, Intention to Use, Generation Z
Implementasi Prosedur Audit dalam Menjamin Keandalan Laporan Keuangan Linda Suryaningsih; Qothrun Nada Elfariha; Mardhiyaturrositaningsih Mardhiyaturrositaningsih; Tri Puji Hastuti; Ervita Dwi Sastika; Nurainina Putri
Jurnal Penelitian Multidisiplin Bangsa Vol. 2 No. 12 (2026): Mei
Publisher : Amirul Bangun Bangsa Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59837/jpnmb.v2i12.814

Abstract

Penelitian ini bertujuan untuk menganalisis implementasi prosedur audit secara komprehensif sebagai suatu proses yang terintegrasi serta mengkaji perannya dalam menjamin keandalan laporan keuangan. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi literatur, dengan memanfaatkan data sekunder yang berasal dari jurnal ilmiah, buku teks auditing, dan standar audit yang relevan. Pengumpulan data dilakukan melalui studi dokumentasi, sedangkan analisis data dilakukan secara kualitatif melalui tahap reduksi, kategorisasi, dan sintesis. Penelitian ini berfokus pada prosedur audit dan keandalan laporan keuangan sebagai konsep utama yang dikaji. Hasil penelitian menunjukkan bahwa prosedur audit merupakan suatu proses yang terintegrasi dari tahap perencanaan hingga pelaporan, sehingga tidak dapat dipahami secara parsial. Selain itu, penelitian ini menemukan bahwa kajian terdahulu masih didominasi oleh fokus pada output audit dan belum mengkaji keterkaitan antar tahapan audit secara menyeluruh. Dengan demikian, pendekatan komprehensif menegaskan bahwa prosedur audit yang terintegrasi berperan fundamental dalam menghasilkan bukti audit yang berkualitas sebagai dasar opini audit, sehingga mampu menjamin keandalan laporan keuangan.
Islamic Financial Literacy and Financing Intentions at Islamic Banks by Farmers: Mediation of Perception of Behavioral Control Youla Agustin Hendarni; Mardhiyaturrositaningsih; Arif Afendi
Journal of Finance and Islamic Banking Vol. 9 No. 1 (2026)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v9i1.14348

Abstract

Purpose: This study analyzes the role of Islamic financial literacy in shaping the intention of Islamic bank financing farmers, both directly and indirectly through behavioral control. Method: Using a quantitative approach with a survey method of 100 farmers in Pati Regency. The analysis technique uses Partial Least Square-Structural Equation Modeling (PLS-SEM) in the form of the SmartPLS 3 application. Results: These findings show that Islamic financial literacy does not directly encourage intentions, but must first build individual ability, confidence, and control as an intermediary to cause farmers' intentions in applying for Islamic bank financing. Implication: Theoretically, this study strengthens the planned behavior theory model by asserting behavior control as an intention builder. Practically, literacy education must be accompanied by ease of access and simplification of procedures in the agricultural sector. Originality: This study contributed by including behavioral control as a mediating variable. Thus, expanding literature that is still limited to the context of Islamic financial behavior in the agricultural sector.
The Influence of Islamic Social Reporting and Sustainability Performance on the Financial Performance of Sharia Banks Arista Putri Andriani; Nur Fatoni; Mardhiyaturrositaningsih Mardhiyaturrositaningsih
Jurnal Akuntansi dan Keuangan Islam Vol 14, No 1 (2026)
Publisher : INSTITUT AGAMA ISLAM SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jakis.v14i1.1314

Abstract

This study aims to examine the extent to which Islamic Social Reporting (ISR) and Sustainability Performance (SP) influence the financial performance of sharia-based banks. The methodology is quantitative, employing a causal-associative approach. The panel data consist of 13 Sharia Commercial Banks observed over the 2021–2024 period, resulting in a total of 52 observations. The analysis was carried out using panel data regression with Common Effect Model specifications using the EViews application. The ISR variable was quantified using a 48-item disclosure index, while SP was measured through Weighted Content Analysis on 58 Global Reporting Initiative (GRI) indicators relevant to the banking sector. The results of the analysis show that ISR and SP have a significant positive influence on the financial performance of Islamic banks. These findings imply that improving the quality of Islamic value-based social responsibility disclosure and sustainability reporting contributes significantly to the profitability growth of Islamic financial institutions.
Co-Authors 01, efa nurlita agustin 01, ulil af'idah Ahmad Furqon Alifatul Afwah Arif Afendi Arif Afendi Arista Putri Andriani Damayanti, Afina Dimas Martha Alif Ervita Dwi Sastika Ida Riskawati Janah, Rohmatul Kharisma Zahra Fauzia Linda Suryaningsih Mahfudz, Muhammad Syarqim masyfu'ah Mawaddah, Dewi Malihatul Muhammad Faaiz Zamzami Muhammad Luqman Hakim Muhammad Luqman Hakim, Muhammad Luqman Muhammad Rasyidin Muyassarah Nihayah, Ana Zahrotun Nur Fatoni, Nur Nur Meilinda Nuzula Nurainina Putri Qothrun Nada Elfariha Ridwan Maulana Ririn Dwi Ariyanti Saekhu Tri Puji Hastuti Youla Agustin Hendarni