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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) AL-FALAH : Journal of Islamic Economics Jurnal Al-Ashlah JURNAL PENDIDIKAN TAMBUSAI ILTIZAM Journal of Sharia Economic Research AT-TURAS: Jurnal Studi Keislaman Review of Islamic Economics and Finance Ihtiyath : Jurnal Manajemen Keuangan Syariah ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) AL-FALAH : Journal of Islamic Economics EKSYA: Jurnal Ekonomi Syariah Jurnal Riset Manajemen dan Akuntansi (JURIMA) Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Al-Tijary : Jurnal Ekonomi dan Bisnis Islam J-ISACC : Journal of Islamic Accounting Competency Jurnal Manajemen Keuangan Syariah Jurnal Riset Manajemen dan Ekonomi Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Sains Student Research Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Jurnal Inovasi Ekonomi Syariah dan Akuntansi Margin : Journal of Islamic Banking MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Refky Fielnanda
UIN Sulthan Thaha Saifuddin Jambi
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS PERSEPSI MASYARAKAT DALAM MENGGUNAKAN PRODUK BANK SYARIAH Irma Damayanti; Ahsan Putra Hafiz; Refky Fielnanda
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 3 No. 2 (2023): Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimea.v3i2.261

Abstract

The purpose of this study was to determine how the perception of the people of Kampung Baru, Kec. Muara Tembesi about Islamic banks. The author uses qualitative methods by using data collection methods by means of interviews, observations, documentation and drawing conclusions. The results of this study found that the perceptions of the people of Kampung Baru were different. There are four categories that are perceived by the public, namely Islamic banks that have operated using sharia principles, which are 67%, Islamic banks which are considered not yet fully operating using sharia principles, which are 15%, Islamic banks as a forum if there is a need, which is 11%, really. really do not understand Islamic banks by 24%. And there are four factors that influence the four categories, namely personal factors, psychological factors, and social factors
Pengaruh Good Corporate Governance Dan Islamic Corporate Social Responsibility Terhadap Profitabilitas (Roa) Pada Bank Umum Syariah Di Indonesia Tahun 2017-2020 Ami Mastura; Ambok Pangiuk; Refky Fielnanda
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 3 No. 3 (2023): Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimea.v3i3.270

Abstract

This thesis aims to determine the Effect of Good Corporate Governance and Islamic Corporate Social Responsibility on Profitability (ROA) in Islamic Commercial Banks in Indonesia in 2017-2020. This study uses the independent variable, namely Good Corporate Governance with the proxy of the Board of Commissioners, Board of Directors and Islamic Corporate Social Responsibility. The dependent variable is Profitability (ROA). The data used in this study is secondary data, namely the annual report and the GCG report of Islamic Commercial Banks for the 2017-2020 period. The population in this study are all Islamic Commercial Banks registered with the Financial Services Authority in the 2017-2020 period. The sample was selected by purposive sampling method and 8 samples were obtained. The analytical method used in this research is panel data regression, model testing, classical assumption test, t test, and f test which are processed using the Eviews 8 application and Microsoft Excel 2010.           The results of this study indicate that the board of commissioners has no effect on profitability (ROA) at Islamic Commercial Banks in Indonesia in 2017-2020. The board of directors has no effect on the profitability (ROA) of Islamic Commercial Banks in Indonesia in 2017-2020. Islamic Corporate Social Responsibility has no effect on profitability (ROA) at Islamic Commercial Banks in Indonesia in 2017-2020. The board of commissioners, board of directors, Islamic Corporate Social Responsibility simultaneously (simultaneously) affect the profitability (ROA) of Islamic Commercial Banks in Indonesia in 2017-2020.
Motif Masyarakat Non Muslim Menjadi Nasabah Gadai Pada Bank Syariah Indonesia Cabang Kota Jambi Menurut Perspektif Ekonomi Islam Suci Martha Liany; Arsa Arsa; Refky Fielnanda
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 1 No. 4 (2024): Juli: Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v1i4.240

Abstract

The background to this thesis is that apart from Muslim customers, there are also non-Muslim customers who are gold pawning customers at the Pekanbaru branch of Bank Syariah Mandiri. The aim of this research is to find out the motives of non-Muslim communities for using gold pawning financing services at Bank Syariah Indonesia Jambi Branch Office and to find out how Islamic economics views the motives of non-Muslim communities for using gold pawning financing services at Bank Syariah Indonesia Jambi Branch Offices. The population in this study was 4 non-Muslim customers who used the gold pawn financing services of Bank Syariah Indonesia, Jambi City Branch. This research is field research or what is known as field research. The location of this research is Bank Syariah Indonesia, Jambi City. The sample in this research was all non-Muslim customers, namely 4 people who used gold pawning financing services at Bank Syariah Indonesia, Jambi City. After the author conducted research, it can be concluded that the motive for non-Muslim people to become gold pawning customers at Bank Syariah Indonesia Jambi City Branch is because non-Muslim customers need capital, such as to sell in markets. Some of the motives used by non-Muslim customers are personal motives, cultural motives, religious motives, stimuli, Islamic economic views on the motives of non-Muslim communities for using gold pawn financing services at the Pekanbaru branch of Bank Syariah Mandiri in accordance with the rules of Allah SWT, leading to the achievement of goodness, prosperity, helping humans to achieve success.
The Role of Sharia Governance in Fostering Customer Loyalty and Trust in Indonesian Islamic Banks: A Systematic Literature Review (2017-2024) Fielnanda, Refky; Amalia, Euis; Hidayah, Nur
Review of Islamic Economics and Finance Vol 7, No 2 (2024): Review of Islamic Economics and Finance (RIEF): November 2024
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v7i2.73651

Abstract

Purpose -This study aims to identify and examine the empirical literature of the past eight years (2017-2024) regarding the utilization of sharia governance in Islamic Banks in Indonesia and its impact on the trust and loyalty of Islamic bank customers.Methodology -The research methodology adopted was a systematic literature review conducted through literature exploration in the undergraduate google database with the help of Publish or Perish (PoP) software. A total of 640 articles addressing Islamic governance were initially identified and then screened using the covidence web based on inclusion and exclusion criteria and alignment with the research questions outlined in this systematic literature review, resulting in a final selection of 20 articles for review.Findings -The findings of the investigation explain that the dominant research approach used by scholars is quantitative, utilizing various statistical analysis techniques, including multiple linear regression analysis and Structural Equation Modelling (SEM). Islamic banking institutions in Indonesia have integrated sharia governance practices, utilizing various tools rooted in the principles of good corporate governance and sharia compliance. The results of this systematic literature review indicate that effective Islamic governance within Islamic banks in Indonesia has been proven to foster customer trust and loyalty.
Dampak Strategi Marketing Syariah dalam Menghadapi Persaingan Bisnis Waralaba : Studi Kasus di Mini Market Tifany Kecamatan Muara Bulian Reza Hafiza Rahim; Hansen Rusliani; Refky Fielnanda
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 3 No. 1 (2025): Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v3i1.1668

Abstract

This thesis aims to determine the competition of the Tifany mini market business with other modern markets in Muara Bulian sub-district and to determine the marketing strategy of the Tifany Mini Market to survive the competition of the modern market in Muara Bulian sub-district. This study uses a qualitative approach with data collection methods by conducting observations, interviews, documentation and drawing conclusions. The results of the research conclusions obtained from interviews with informants revealed that, 1) the competition in the retail business in the city of Muara Bulian Jambi is indeed very tight, this is because more modern retailers have emerged such as Alfamart and Indomart, so that retailers from the area themselves must be ready to compete, 2) What makes the Tifany Mini Market survive in the midst of the booming modern retail business is in the success of the Tifany Mini Market, the first thing to do is to maintain product quality, in addition to the quality of service and trust in consumers for loyal customers are allowed to be in debt so that consumers remain loyal to the Tifany Mini Market. In addition, continuing to add appropriate and more adequate facilities so that customers feel safe and comfortable when they are in the store and supported by a strategic location makes the Tiffany Mini Market able to successfully survive and compete amidst the booming retail business.
Frugal Living in Islamic Finance: How QRIS Supports Ethical Spending? Fielnanda, Refky; Pujiono, Pujiono; Hermawan, Iwan; Novida, Irma; Istiyanti, Istiyanti; Nofriza, Eri
JURNAL AT-TURAS Vol 12, No 1 (2025)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/at-turas.v12i1.10076

Abstract

Frugal living, or a frugal lifestyle, embodies a concept that coincides with Islamic financial principles, emphasising equilibrium, sustainability, and the avoidance of excessive consumerism. The concept of frugal living has gained increasing relevance in modern economic discourse, particularly in response to financial instability, environmental concerns, and the need for responsible resource management. In the digital age, the payment system utilising the Quick Response Code Indonesian Standard (QRIS) has gained prominence as a tool for facilitating more efficient and transparent financial transactions.  This study examines how the use of QRIS within the Islamic financial framework can enhance ethical consumption practices aligned with the tenets of frugal living.  This research, employing a qualitative methodology through literature analysis, determined that QRIS effectively diminishes cash utilisation, which may foster impulsive spending, enhances precise financial documentation, and reinforces Sharia financial principles such as justice, transparency, and sustainability.  This approach promotes more inclusive and efficient transactions, aligning with the maqashid shariah objectives of preserving individual and societal welfare.  This research suggests that the digitalisation of Islamic finance via QRIS can serve as a strategic tool for fostering more ethical and responsible consumer practices.
PENGARUH TINGKAT RELIGIUSITAS, TINGKAT PENDIDIKAN DAN TINGKAT PENDAPATAN TERHADAP MINAT MENABUNG DI BANK SYARIAH PADA MASYARAKAT KELURAHAN SIMPANG IV SIPIN Fielnanda, Refky; Wahyuningsih, Santi
MARGIN: Journal of Islamic Banking Vol 1 No 1 (2021): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/margin.v1i1.847

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh tingkat religiusitas, tingkat pendidikan, tingkat pedapatan terhadap minat menabung di bank syariah pada masyarakat kelurahan Simpang IV Sipin. Penelitian ini menggunakan pendekatan kuantitatif deskriptif dengan metode pengumpulan data angket (kuesioner), wawancara dan dokumentasi. Populasi pada penelitian ini adalah masyarakat Kelurahan Simpang IV Sipin dan sampel sebagai responden penelitian akan diambil menggunakan teknik non probability sampling dengan rumus slovin yaitu 100 masyarakat yang menabung di bank syariah. Hasil penelitian menunjukkan bahwa tingkat religiusitas (X1) dan tingkat pendidikan (X2) berpengaruh signifikan dan positif terhadap minat menabung. Sedangkan tingkat pendapatan (X3) tidak berpengaruh dan tidak signifikan terhadap minat menabung.
PENGARUH JAMINAN, TENOR, DAN PELAYANAN TERHADAP KEPUTUSAN PEMBIAYAAN MURABAHAH PADA BANK 9 JAMBI SYARIAH CABANG SIMPANG 4 SIPIN Sissah; Refky Fielnanda; Tania
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1240

Abstract

The purpose of this study was to determine and analyze the effect of collateral, tenor and service on customer decisions to choose Murabahah financing at Bank 9 Jambi Syariah. This research is a descriptive quantitative research. The data used is primary data obtained from distributing questionnaires to customers of Bank 9 Jambi Syariah who do the financing. The research sample was obtained from the purposive sampling technique with the Slovin formula, 94 respondents were obtained. Data analysis technique using Multiple Regression Analysis. The results showed that: 1) Collateral has an influence on the customer's decision to choose Murabahah financing at Bank 9 Jambi Syariah with a significance value of 0.000 <0.05; 2) The tenor has an influence on the customer's decision to choose Murabahah financing at Bank 9 Jambi Syariah with a significance value of 0.015 <0.05; 3) Service has an influence on the customer's decision to choose Murabahah financing at Bank 9 Jambi Syariah with a significance value of 0.000 <0.05; and 4) Collateral, tenor, and service together influence the customer's decision to choose Murabahah financing at Bank 9 Jambi Syariah with an influence of 68.5%.
PENGARUH DANA PIHAK KETIGA, TOTAL ASET DAN PEMBIAYAAN BAGI HASIL TERHADAP ROA UNIT USAHA SYARIAH BANK 9 JAMBI Abdul Malik, Firdaus; Majid, Nazori; Fielnanda, Refky
Manajemen Keuangan Syariah Vol. 3 No. 2 (2023): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v3i2.2038

Abstract

The purpose of this study was to determine the effect of TPF, Total Assets and Profit Sharing Financing on ROA at Bank 9 Jambi's Sharia Business Unit. The research method used is a quantitative method, with secondary data, in a multiple linear regression model. This study uses one dependent variable, namely the sharia business unit of bank 9 Jambi and independent variables, namely DPK, Total Assets and Profit Sharing Financing, with data collection techniques using the documentation method. Secondary data obtained from the website of Bank 9 Jambi. The results of the t-test in the study show that the DPK, Total Assets and Profit-sharing Financing variables have no effect on the Sharia Business Unit of Bank 9 Jambi. Based on the F-test, it was obtained that TPF, Total Assets and Profit Sharing Financing jointly affect the Sharia Business Unit of Bank 9 Jambi. Keywords: Third Party Funds, Total Assets, Profit Sharing Financing, Sharia Business Units.
Pengaruh Kualitas Pelayanan, Pengetahuan Perpajakan dan Penerapan Sistem E-Filling Terhadap Kepatuhan Wajib Pajak Orang Pribadi Nuriza, Nuriza; Fielnanda, Refky; Sissah, Sissah
Journal of Islamic Accounting Competency Vol. 2 No. 1 (2022): J-ISACC (Journal of Islamic Accounting Competency)
Publisher : Prodi Akuntansi Syariah UIN Sulthan Thaha Saifuddin Jambi

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

Abstract

Tax compliance is a requirement to fulfill all WPOP obligations towards taxation and exercise their taxation rights. The growth in the number of WPOPs at the Kuala Tungkal KPP Pratama throughout the 2017-2019 period continues to increase greatly each year, but the percentage of taxpayer compliance is still up and down and inconsistently rising. It can be concluded that not all registered WPOPs can effectively fulfill their tax obligations. This research was conducted to determine the effect of service quality, tax knowledge and the implementation of E-Filling on WPOP compliance. This research uses illustrations of 100 WPOPs through questionnaires distributed and interviewed and uses convenience sampling technique for sampling. The data were analyzed using the Multiple Linear Regression Analysis method with the SPSS 22 supporting program. The F test results show that independent variables such as service quality, knowledge of taxation, and the implementation of E-Filling have a simultaneous effect on WPOP compliance. From the results of the t test of the independent variables, there is a partial effect on WPOP compliance. From the results of the adjustment of the coefficient of determination Rsquare (R2) of 0.164 or 16.4% for wpop compliance, this is 83.6 influenced by the independent variable and the remaining% is influenced by other factors not only from the independent variables in this research.
Co-Authors Abdul Malik, Firdaus Adinda Kirana Adinda Kirana Agustina Mutia Agustina Mutia Ahmad Tarmizi Ahsan Putra Hafiz Ambok Pangiuk Ami Mastura Anita, Efni Arif Mustofa Arif Mustofa Arsa Arsa Bambang Kurniawan Bela Sesarwati Efni Anita Eja Armaz Euis Amalia Firdaus Abdul Malik Garde Saspika Hansen Rusliani Irma Damayanti Istiyanti, Istiyanti Kurniawan, Riko M Rizky M.Nazori Madjid Magfiroh, Inarotul Mahathir Hefrianda Majid, Nazori Maulana Yusuf Maulana Yusuf Muhammad Ilham Nazori Majid Nofriza, Eri Novida, Irma Nur Hidayah Nur Sahara Nuriza, Nuriza Pujiono Pujiono Rafidah Rafidah Rani Reza Hafiza Rahim Santi Wahyuningsih Santi Wahyuningsih, Santi Sissah Sissah Sissah Suci Martha Liany Tania Titin Agustin Nengsih Toyba Toyba Widodo