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All Journal El Dinar Jurnal Ekonomi Syariah Teori dan Terapan Journal of Information Systems Engineering and Business Intelligence Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics Dinamisia: Jurnal Pengabdian Kepada Masyarakat Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Iqtishoduna: Jurnal Ekonomi Islam JESI (Jurnal Ekonomi Syariah Indonesia) J-Dinamika: Jurnal Pengabdian Kepada Masyarakat Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah EconBank : Journal Economics and Banking Tasharruf: Journal Economics and Business of Islam Indonesian Journal of Electrical Engineering and Computer Science Ihsan: Jurnal Pengabdian Masyarakat MALIA: Journal of Islamic Banking and Finance JES (Jurnal Ekonomi Syariah Adz Dzahab : Jurnal Ekonomi dan Bisnis Islam EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen GREENOMIKA Journal of Islamic economy and Community Engagement MOVE: Journal of Community Service and Engagement Jurnal Ekonomika dan Bisnis Islam Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Formosa Journal of Multidisciplinary Research (FJMR) Mumtaz : Jurnal Ekonomi dan Bisnis Islam Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Journal of Islamic Economics Lariba IIJSE Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Indonesian Journal of Economic & Management Sciences (IJEMS) Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Balance: Journal of Islamic Accounting Ecoducation
Clarashinta Canggih
Universitas Negeri Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Library & Information Science Social Sciences Other

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Analysis of Factors Influencing Customers' Decision to Choose Wadiah Savings Products Fakziah, Sefia Laili; Clarashinta Canggih
Indonesian Journal of Economic & Management Sciences Vol. 2 No. 4 (2024): August 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijems.v2i4.10325

Abstract

This study aims to analyze product knowledge, benefit perception, promotion, and motivation factors as factors in customers' decision to choose wadiah savings products at Sharia Banks. The background of this research is the growth of the Islamic banking industry in Indonesia, which is predicted to be higher than conventional banks, driven by product and service innovation in accordance with Islamic law. This study uses a quantitative approach with confirmatory factor analysis (CFA) techniques. Research data was collected through a questionnaire with a probability sampling method using a simple random sampling technique. The results of the study show that promotional factors, product knowledge, and benefit perception are factors in customer decisions in choosing wadiah savings products. The motivation factor is not a factor in the customer's decision to choose a wadiah savings product. This research provides insight into the importance of proper promotion, in-depth product knowledge, and clear benefit perception in attracting customers to choose wadiah savings products at Sharia Banks
Analisis Kinerja Keuangan Bank Umum Syariah (BUS) melalui Pendekatan Islamicity Perfomance Index Sjam, Dewi; Canggih, Clarashinta
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 2 (2022): JIEI : Vol. 8, No. 2, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5307

Abstract

The study aims to analyze the financial performance of Sharia commercial banks in Indonesia during 2016-2020 using the Islamicity Perfomance Index (IPI) approach. Measured by Profit Sharing Ratio, Zakat Perfomance Ratio, Equitable Distribution Ratio, Directors-Employee Welfare Ratio, and Islamic Income vs Non Islamic Income. In particular, these index not only measure materially, but also measures the social responsibility of Islamic banking performance. Data analysis used quantitative descriptive method. The research sample taken was 11 (eleven) Islamic banks and considered related to data, period, registered on the Financial Service Authority (OJK). The data obtained from annual report through the Islamic Bank official website. From the study result, it can be concluded that financial perfomance at Sharia Commercial Banks has not had a positive increase along the years. There was a significant degradation on 2017. It is affected by the value of zakat distribution and shareholders. But in terms of halalness, Sharia commercial banks have avoided the element of usury.
The Influence of Sharia Financial Literacy, Religiosity, and Perception of Saving Students’ Interest in Sharia Banks Ilfita, Khoiriyah; Canggih, Clarashinta
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 3 No 2 (2021): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v3i2.1010

Abstract

People in Indonesia in saving activities in sharia banks are still classified in the lower category than conventional banks. It is caused by several factors. Sharia financial literacy, religiosity and perceptions can be factors influencing people's interest in saving at sharia banks. This study aimed to determine the effect of sharia financial literacy, religiosity, and perceptions of saving interest in sharia banks. This study used a quantitative approach. In this research, researchers took samples used random sampling techniques. The data analysis technique used is multiple linear regression using the SPSS program. The results showed that partially sharia financial literacy had no effect on students' interest to save at sharia banks. While religiosity and perception partially have a positive and significant effect on students' interest to save in sharia banks. Simultaneously, sharia financial literacy, religiosity, and perceptions influence the interest of students to save in sharia banks.
Switching Intention Nasabah Bank Konvensional ke Bank Syariah: Studi Kasus Mahasiswa Ekonomi Islam di Surabaya Fata Habibullah; Canggih, Clarashinta
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 2 (2025): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n2.p36-56

Abstract

The development of Islamic banking in Indonesia shows a positive trend, yet its market share still lags behind conventional banks. This study aims to analyze the factors that influence Islamic Economics students in Surabaya to switch from conventional to Islamic banks. The Push-Pull-Mooring (PPM) framework was employed, covering push factors (price perception, service quality, satisfaction), pull factors (alternative attractiveness), and mooring factors (Islamic financial literacy, religiosity, subjective norms). A quantitative method was applied using Partial Least Square-Structural Equation Modeling (PLS-SEM) with SmartPLS 4 software, involving 162 respondents from three public universities in Surabaya. The results reveal that all push, pull, and mooring variables have a positive and significant influence on switching intention. These findings highlight the role of financial literacy and religious values in motivating the shift toward Islamic financial services among young Muslim generations. This research offers practical implications for Islamic bank marketing strategies to enhance service attractiveness and expand into academic markets.
Pengaruh Eksistensi Saham, Indikator Pasar, dan Rasio Keuangan Terhadap Profitabilitas Bibi Faiza Farhana; Clarashinta Canggih
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i8.8608

Abstract

High profitability is a primary goal for many companies, especially those that have conducted an initial public offering (IPO) and are listed on a stock index. This study aims to analyze whether stock presence, trading volume, market capitalization, liquidity, solvency, and working capital management influence the profitability of companies that enter and exit the Jakarta Islamic Index (JII). The study uses quarterly data from 2022 to 2024, covering 20 companies that have experienced more than one entry or exit from the index. Stock price movements occur every six months following index evaluations conducted by the Indonesia Stock Exchange (IDX). The findings reveal that stock presence, trading volume, liquidity, and one component of working capital management, namely Days Payable Outstanding (DPO), have a significant impact on company profitability. On the other hand, market capitalization, solvency, and two other components of working capital management, Days Sales Outstanding (DSO) and Days Inventory Outstanding (DIO), do not significantly affect profitability.
Pengaruh Literasi dan Inklusi Keuangan Syariah Terhadap Kinerja Keuangan UMKM di Surabaya Alfarisy, Fathor Rozy; Canggih, Clarashinta
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p172-185

Abstract

In Indonesia, Mikro, Small, and Medium Enterprises (MSMEs) are one of the important pillars in Indonesia’s economic development where they make a large contribution to the country’s economy. In the dynamics of   the global economy, the resilience and stability of the country’s economy not only depends on the size of the corporate sector, but also on the strength of the MSMEs sector, which is an important foundation. The present study employs a quantitative associative research method, with multiple linear regression analysis used as the data analysis technique. The findings indicate that financial literacy and Islamic financial inclusion have a significant effect on the financial performance of MSMEs in Surabaya. The results further demonstrate that Islamic financial literacy and inclusion contribute directly to the improvement of MSMEs’ financial performance. Therefore, the strengthening of education and access to Islamic financial services needs to be continuously enhanced
ZAKAT PAYMENT INCLUSION IN INDONESIA: A DESCRIPTIVE ANALYSIS OF ZAKAT MAAL COLLECTION, 2006–2015 Canggih, Clarashinta; Fikriyah, Khusnul; Yasin, Ach.
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 3 No. 1 (2017): JANUARI-JUNI 2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (727.697 KB) | DOI: 10.20473/jebis.v3i1.3164

Abstract

This paper aims to find out the amount of zakat fund collection, particularly zakat maal in Indonesia. Numbers of zakat fund collected is used to see zakat inclusion from the perspective of zakat payment of Indonesian. This paper uses descriptive quantitative through secondary data collection from several sources. The result shows that the realization of zakat fund collection in Indonesia increases during 2006-2015, so does the number of people who pay zakat. However, it can be seen that the zakat payment inclusion of Indonesian people is still low. The number of people who paid zakat is lower compare to the number of people who are obligated. It need further research to divulge the reason.
THE INFLUENCE OF GREEN BANKING, INTELLECTUAL CAPITAL AND OPERATIONAL EFFICIENCY ON THE PROFITABILITY OF ISLAMIC COMMERCIAL BANKS IN INDONESIA kailun, Ilzania; Canggih, Clarashinta
BALANCE: JOURNAL OF ISLAMIC ACCOUNTING Vol. 6 No. 2 (2025): Balance: Journal of Islamic Accounting
Publisher : Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/balance.v6i2.11629

Abstract

This study aims to analyze the influence of Green Banking, Human Capital, Structural Capital, Capital Employed, and Operational Efficiency on the profitability of Commercial Sharia Banks in Indonesia for the period 2021–2024. The study used quantitative methods with secondary data sourced from financial statements and bank sustainability reports. The sample was selected through purposive sampling, resulting in 12 Commercial Sharia Banks analyzed using panel data regression with a Fixed Effect Model (FEM). The results show that Green Banking and Operational Efficiency (BOPO) affect profitability, while Human Capital, Structural Capital, and Capital Employed do not. These findings indicate that the implementation of sustainable banking practices and effective operational cost management are key factors in improving the financial performance of Islamic banks, while intellectual capital still needs to be optimized to make a significant contribution to increasing company value.
E-Wallet dan Perilaku Konsumsi Islam Meyta Amelia Rusbianti; Clarashinta Canggih
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.7638

Abstract

Transaction systems in the form of non-cash payments using e-wallets offer many advantages and conveniences. The existence of these conveniences causes people to use their money to consume goods that are not in accordance with their needs, which is not in accordance with the principles of Islamic consumption. This study aims to examine the effect of using e-wallets on Islamic consumption behavior in the people of Surabaya. This research is quantitative with a causal associative approach, and uses a purposive sampling method to get 100 respondents who meet the research criteria. Data were analyzed using Structural Equation Modeling (SEM) with the SmartPLS analysis tool. Research results show that the use of e-wallets is influenced by perceived trust. Meanwhile, perceptions of convenience, benefits, risks and security of using e-wallets have no impact on Islamic consumption behavior.
Perbandingan Financial Distress Sebelum dan Selama Covid-19 pada Perusahaan Sektor Property dan Real Estate Terdaftar Indeks Saham Syariah Indonesia (ISSI) Maghfira Musdalifah Melania Islami; Clarashinta Canggih
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.9664

Abstract

This study aimed to compare the financial distress of property and real estate sector companies that were listed on the Indonesian Sharia Stock Index before and during Covid-19. The study was comparative quantitative by comparing the data used to determine differences in variables from two groups or the same variable in different time periods. The number of samples used in this study were 31 companies, with the sample collection method in the form of purposive sampling. The data analysis method used is the Altman Z-Score method using four financial ratios taken from the Indonesia Stock Exchange website and the sites of each sample company. The data analysis were the normality test and the Wilcoxon test. This study found that there were significant differences in the level of financial distress in property and real estate sector companies listed on the Indonesian Sharia Stock Index before and during Covid-19.
Co-Authors Ach. Yasin Agung Budi Setiawan Ahmad Ajib Ridlwan Alfarisy, Fathor Rozy Ali, Asiah Binti Ananda, Fitrotur Rafika Arasyi Fahrulloh Aulia Deva Ferdana Badrul Munir, Maryam Bte Basyirah Ainun Bibi Faiza Farhana Cahyaningtiyas, Eka Daffa Eka Septianda Devia Almeyda Dewi Sjam Fakziah, Sefia Laili Farah Dilla Wanda Damayanti Fata Habibullah Fayi Azzahra, Almirah Febrianti Nilam Sari Fira Nurafini Firdayati, Elda Firmanda, Muhammad Esza Maulana Fitriah Dwi Susilowati Hadjilatif, Sahraman D. Hady, Aufar Fadlul Hapsari Dinar Afifa Hariawan Harnum, Mutiara Puspita Henny Rahma Sari Ibnu Affan Ilfita, Khoiriyah Imron Mawardi Jayanti, Rista Dwi kailun, Ilzania Khoiriyah Ilfita Khusnul Fikriyah LUCKY RACHMAWATI Lusiana Handayani Maghfira Musdalifah Melania Islami Maryam Bte Badrul Munir Mauliddiana, Rizka Maulidiyah, Musaidatul Maulidysneni Nurvita Sukma Mauliza, Abil Yositya Indah Meyta Amelia Rusbianti Moch. Khoirul Anwar Mochammad Imanda Ramadhani Moh Farih Fahmi Muhammad Bayu Dwie Saputra Muhammad Dzanizar Miftahul Arifin Munir, Maryam Bte Badrul Nurafini, Fira Nurul Hamidah, Nurul Nurul Hanifah Pur Wulan Septy, Hilda Tri Rachma Indrarini Rachmawati, Laela Nur Rahma, Aldra Puspita Rahmad Syaifudin Rizkiyah Rokhmatul Laili Rofiqo, Azidni Rohmaningtyas, Nurwinsyah Rosa, Sintya Prilla Safira, Rana Izza Sari, Henny Rahma Septiyanti, Tifanny Tassyah Sjam, Dewi Sri Abidah Suryaningsih Susanti, Nopi Syabani, Raisa Taufiq Kurniawan Tony Seno Aji Tri Elok Kosnia Wenni, Atika Novirda Yan Putra Timur Zaimy Johana Johan