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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 Ekonomi & Keuangan Islam 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 Jurnal Publikasi Manajemen Informatika 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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Pengelolaan Wakaf Tunai di Masjid Al-Munawwarah Kelurahan Penyengat Rendah Kecamatan Telanai Pura Kota Jambi Arif Mustofa; Maulana Yusuf; Refky Fielnanda
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 1 No. 4 (2023): Oktober : Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/muqaddimah.v1i4.444

Abstract

The subject matter of this thesis is how cash waqf is managed at the Al-Munawwarah Mosque, Penyengat Rendah Village, Telanai Pura District, Jambi City. The purpose of this discussion is to find out how to manage cash waqf, cash waqf management, and supporting and inhibiting factors in managing cash waqf at the Al-Munawwarah Mosque, Penyengat Low Village, Telanai Pura District, Jambi City. This research is a field research using qualitative methods. Data collection techniques with observation, interviews and documentation. The interviewees consisted of 5 sources, namely Mr. Yatno, Mr. Nana Nuryana, Mr. Syahrul Riyadi, Mr. M. Heri, and brother Abdi. The results of this study are that the management of cash waqf is managed directly by the administrators of the mosque, especially the treasurer. The management of cash waqf is carried out by creating a compensation program for orphans and the poor and community empowerment programs. In the process of managing cash waqf there are supporting factors, namely the enthusiasm of the congregation and residents for cash waqf so that the funds collected every week or month are relatively large, while the inhibiting factors are the lack of human resources in managing cash waqf, especially nazhir and the lack of public awareness of the importance waqf cash.
GREEN BANKING, ENVIRONMENTAL RESPONSIBILITY, AND SUSTAINABLE PERFORMANCE OF ISLAMIC BANKS: THE MEDIATING ROLE OF ENVIRONMENTAL INNOVATION Riko Kurniawan; Refky Fielnanda
MARGIN: Journal of Islamic Banking Vol 6 No 1 (2026): 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.v6i1.5770

Abstract

This study aims to examine the effects of green banking practices and environmental responsibility on the sustainable performance of Islamic banks, as well as to investigate the mediating role of environmental innovation in these relationships. The study is motivated by the growing global demand for sustainable financial practices, while empirical evidence explaining how environmental innovation enhances the sustainability performance of Islamic banking remains limited, particularly in regional contexts. A quantitative approach was employed using Structural Equation Modeling (SEM). The sampling procedure applied cluster random sampling. Of the three Islamic bank branches operating in Jambi City, two branches were randomly selected as research clusters. Survey data were collected from customers of the selected branches, resulting in 300 valid respondents, which meets the recommended sample size for SEM analysis. The study examines four key constructs: green banking, environmental responsibility, environmental innovation, and sustainable performance of Islamic banks. The findings reveal that green banking practices and environmental responsibility have a positive and significant effect on the sustainable performance of Islamic banks. Furthermore, environmental innovation plays a significant mediating role, strengthening the impact of green banking and environmental responsibility on sustainable performance. These results indicate that sustainable performance in Islamic banking is not only driven by environmental commitment but also by the bank’s ability to continuously develop and implement environmental innovations.
PENGARUH FLUKTUASI HARGA EMAS DAN PROMOSI TERHADAP MINAT NASABAH PADA PRODUK TABUNGAN EMAS DI PEGADAIAN SYARIAH JELUTUNG M.Nazori Madjid; Refky Fielnanda; Bela Sesarwati
Jurnal Publikasi Manajemen Informatika Vol. 2 No. 1 (2023): JANUARI : JURNAL PUBLIKASI MANAJEMEN INFORMATIKA
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupumi.v2i1.692

Abstract

This study aims to determine the effect of gold price fluctuations and promotions on customer interest in gold savings products at the Jelutung Sharia Pawnshop. This study uses descriptive quantitative research methods. The research was conducted at the Office of PT. Pegadaian (Persero) Syariah which is located at Jl. DI Panjaitan No.30,Kebun Handil, Kec. Jelutung, Jambi City, Jambi. This study uses multiple regression analysis tools. This study uses a population of 2,151 customers of the gold tube of Pegadaian Syariah Jelutung Branch with sampling using the slovin formula which produces a sample of 100 customers. The results of this study are partially positive and significant effect of Price Fluctuations on Customer Interest in gold savings products at Pegadaian Syariah Jelutung. Promotion has an effect on customer interest in gold savings products at the Jelutung Sharia Pawnshop. Simultaneously, price fluctuations and promotions have an effect on customer interest in gold savings products at the Jelutung Sharia Pawnshop
Percampuran Deposito dan Investasi dalam Perspektif Fiqh Islam Refky Fielnanda
JURNAL AT-TURAS Vol 4, No 1 (2017): Sosiologi Hukum Islam Kontemporer
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (827.897 KB) | DOI: 10.33650/at-turas.v4i1.196

Abstract

Mudhâraba is partnership in profit between capital and work. It is conducted between investment account holders as owner of capital (rabb al-mâl) and the Islamic bank as a mudhârib. The Islamic bank announces its willingness, to accept the funds of invesment account holders, the sharing of profits being as agreed between the two parties, and the loss being borne by the owner of funds, unless they were due to misconduct, negligence or violation of the conditions agreed upon by the Islamic bank. A Mudhâraba contract may also be concluded between the Islamic bank, as a provider of capital on behalf of itself on behalf of invesment account holders, and bussiness owner.
Frugal Living in Islamic Finance: How QRIS Supports Ethical Spending? Refky Fielnanda; Pujiono Pujiono; Iwan Hermawan; Irma Novida; Istiyanti Istiyanti; Eri Nofriza
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.
PELUANG DAN TANTANGAN AGEN DALAM MENINGKATKAN NASABAH ASURANSI SYARIAH (STUDI PADA PERUSAHAAN ASURANSI SYARIAH BUMI PUTERA CABANG JAMBI) Rani; Hansen Rusliani; Refky Fielnanda
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 2 No. 1 (2022): MARET: 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.v2i1.247

Abstract

This study aims to determine the effect of the opportunities and challenges of agents in marketing sharia insurance products in Bumi Putra Jambi. This type of research is qualitative research. The data used is primary data obtained from the Bumi Putra Jambi company. The population is 463 customers during 2010-2022. The analysis used is swot analysis, swot analysis is the identification of various factors systematically to formulate company strategy. Strength (strength), weakness (weakness), Opportunity (opportunity) and threat (threat) are the company's strategic factors that need to be analyzed in the current conditions. The results of the study used strength (1.38), weakness (1.26), opportunity (1.61), and threat (0.93). So it can be concluded that the aopportunities and challenges have the same risk, so the Bumi Putra Jambi company must prepare the right strategy for agents in increasing customers and marketing sharia insurance products.
ANALISIS MANAJEMEN RISIKO AKAD PADA PEMBIAYAAN MUDHRABAH DI SEGMEN UMKM DI BANK SYARIAH INDONESIA KC JAMBI – GATOT SUBROTO Eja Armaz; Refky Fielnanda; Mahathir Hefrianda
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 3 No. 1 (2023): MARET : 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.v3i1.250

Abstract

This study aims to determine the analysis of the Indonesian Islamic Bank (BSI) KC Jambi - Gatot Subroto regarding contract risk management in the distribution of mudharabah financing in the UMKM segment which is distributed to customers by Bank Syariah Indonesia. The purpose of this study was to find out how the role of the Indonesian Islamic Bank (BSI) KC Jambi - Gatot Subroto in analyzing the financing they channeled to customers greatly impacted Indonesian Islamic banks. The type of research method used is descriptive qualitative research on mudharabah contract financing in the UMKM segment at the Indonesian Islamic bank (BSI) Jambi - Gatot Subroto branch office regarding the distribution of mudharabah contract financing. It turns out that from the results of this study, the funds distributed were obtained by several factors that caused problems in financing mudharabah contracts in the UMKM segment such as internal and external factors, including internal factors such as inaccurate analysis, incorrectly predicting collateral or guarantees, and poor employee performance. good, then on external factors such as the global economy, natural disasters, declining sales levels and customers getting out of obligations during the contract. The results of this study are expected to be a reference and input for Bank Syariah Indonesia KC Jambi - Gatot Subroto in analyzing the risk of murabahah contract financing in the UMKM segment in the Indonesian Islamic bank KC Jambi - Gatot Subroto.
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): JULI : 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): NOVEMBER : 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.
Trust and behavioral intention toward blockchain-based mudharabah smart contracts in Islamic banking Fielnanda, Refky; Novida, Irma; Rahma, Sri; Anggraini, Dessy; Alwahidin , Alwahidin
Jurnal Ekonomi & Keuangan Islam Volume 12 No. 2, July 2026
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol12.iss2.art1

Abstract

Purpose – This study examines how perceived usefulness, perceived ease of use, and Sharia compliance shape trust in blockchain-based mudharabah smart contracts and how trust drives the behavioral intention to adopt them.Methodology – An online survey of 300 purposively selected Islamic bank customers in Indonesia, screened for familiarity with digital financial services and blockchain, was analyzed using partial least squares structural equation modelling (PLS-SEM), drawing on the technology acceptance model and the Sharia compliance perspective.Findings – Perceived usefulness (β = 0.707) and Sharia compliance (β = 0.234) significantly increased trust, whereas perceived ease of use did not (β = 0.041; p = 0.069). Trust strongly predicted behavioral intention (β = 0.889) and mediated the effects of perceived usefulness (β = 0.629) and Sharia compliance (β = 0.208), but not perceived ease of use. The model explains 91.9% of the variance in trust and 79.1% in the behavioral intention.Implications – Adoption depends more on demonstrable functional benefits and visible Sharia governance than on interface simplicity; therefore, Islamic banks and fintech developers should prioritize transparency and auditable Sharia assurance mechanisms in smart contract design.Originality – Prior Islamic fintech research has treated technology acceptance and Sharia compliance as separate explanations for adoption. This study jointly models them as antecedents of trust in a decentralized contract setting, where automation removes the human intermediary that conventionally guarantees Sharia conformity — a configuration not previously tested on Islamic banking customers.
Co-Authors Abdul Malik, Firdaus Adinda Kirana Adinda Kirana Agustina Mutia Agustina Mutia Ahmad Tarmizi Ahsan Putra Hafiz Alwahidin , Alwahidin Ambok Pangiuk Ami Mastura Anggraini, Dessy Anita, Efni Arif Mustofa Arif Mustofa Arsa Arsa Bambang Kurniawan Bela Sesarwati Bela Sesarwati Efni Anita Eja Armaz Eri Nofriza Euis Amalia Firdaus Abdul Malik Garde Saspika Hansen Rusliani Hansen Rusliani Irma Damayanti Istiyanti Istiyanti Iwan Hermawan M Rizky M.Nazori Madjid 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 Rahma, Sri Rani Reza Hafiza Rahim Riko Kurniawan Santi Wahyuningsih Santi Wahyuningsih, Santi Sissah Sissah Sissah Suci Martha Liany Tania Titin Agustin Nengsih Toyba Toyba Widodo