Article Per Year (5 Year)
p-Index From 2021 - 2026
0.659
P-Index
This Author published in this journals
All Journal Etihad: Journal of Islamic Banking and Finance Irtiqo: Postgraduate Journal of Islamic Economics, Finances and Accounting Studies
Rininta Nurrachmi
Universitas Islam Internasional Indonesia
Religion Humanities Economics, Econometrics & Finance Social Sciences

Published : 3 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search

 1 
Identifying Measurable Impact of Islamic Banking on the Indonesian Economy Haryani Santo Hartono; Rininta Nurrachmi
Etihad: Journal of Islamic Banking and Finance Vol. 5 No. 2 (2025)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v5i2.12113

Abstract

Introduction: This study investigates the short- and long-term relationship between Islamic banking development and Indonesia’s economic growth. Despite Indonesia operating a dual banking system, empirical research on Islamic finance and growth remains limited. Understanding this connection is crucial for leveraging Islamic finance as a driver of sustainable development. Research Methods: Using quarterly data from 2015 to 2024, the study examines the dynamic links among Islamic financing, GDP, and gross fixed capital formation (GFCF). The ARDL bounds testing approach, cointegration analysis, and error correction model (ECM) are employed to identify both short- and long-run relationships. Model stability is validated using CUSUM and CUSUMSQ tests. Results: The results reveal a strong long-term relationship between Islamic financial development, capital accumulation, and economic growth, supporting the supply-leading hypothesis. Short-term effects are positive but statistically insignificant. Model stability tests confirm structural consistency over time. Conclusion: These findings emphasize the potential of Islamic finance to promote sustainable economic development and provide guidance for policymakers seeking to enhance financial inclusion and resilience.
Pengaruh Human Capital dan Technological Capital terhadap Kinerja Lembaga Amil Zakat Agil Darmawan; Dedy Rachmad; Rininta Nurrachmi
IRTIQO' : Postgraduate Journal of Islamic Economics, Finance and Accounting Studies Vol. 2 No. 2 (2023): Irtiqo: Postgraduate Journal of Islamic Economics, Finances and Accounting Stud
Publisher : Department Islamic Economics

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

Abstract

This study aims to analyze the influence of human capital and technological capital on the performance of Zakat Institutions (LAZ) in Indonesia using the Intellectual capital theory. The method used in this research is Partial Least Square-Structural Equational Modeling (PLS-SEM) and processed using SmartPLS 3.2.9. A total of 129 amils and 105 LAZs were contributed as research respondents. Data were obtained primarily by distributing questionnaires via google form with a likert scale of 1-5. From the research results, it was found that the two independent variables, both human capital and technological capital, have a significant and positive influence on the performance of zakat institutions. With a determination coefficient value of 51.1%, so that in further research, other variables need to be involved.
THE INFLUENCE OF INTENTION FINTECH USAGE ON ISLAMIC FINANCIAL INCLUSION IN INDONESIA WITH EXTENDED UTAUT THEORY Abdul Aziz Idham; Rininta Nurrachmi; Wahyu Dwi Agung
IRTIQO' : Postgraduate Journal of Islamic Economics, Finance and Accounting Studies Vol. 5 No. 1 (2026): Irtiqo: Postgraduate Journal of Islamic Economics, Finances and Accounting Stud
Publisher : Department Islamic Economics

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/irtiqo.v5i1.843

Abstract

Despite the rapid growth of digital transactions in Indonesia, Islamic financial inclusion remains disproportionately low compared to the Muslim population size. There is a lack of comprehensive understanding regarding how religious values interact with modern technology acceptance models in the Shariah fintech landscape. Previous studies have extensively used UTAUT and UTAUT2 to measure general fintech adoption, but few have integrated "Religious Commitment" as a mediating variable alongside "Privacy Enablers" and "Inhibitors" specifically within the Indonesian Islamic financial inclusion context. This study aims to evaluate the determinants of Islamic fintech adoption by extending the UTAUT model with Religious Commitment as a mediator and examining the impact of privacy factors on behavioral intention. A quantitative approach was employed using purposive sampling of 100 Muslim respondents in Indonesia. Data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) via SmartPLS 4, evaluating both direct and indirect mediating effects. The results indicate that Performance Expectancy significantly dictates adoption through religious mediation. Interestingly, Effort Expectancy and Social Influence showed a negative path through religious commitment, suggesting that highly religious users prioritize Shariah compliance over mere ease of use or social trends. Religious Commitment is a "Key Success Factor" in mediating technology acceptance. Performance Expectancy and Privacy Enablers positively influence intention, while Religious Commitment acts as a filter that determines whether a technology is culturally and spiritually acceptable for Indonesian Muslims.
Co-Authors Abdul Aziz Idham Agil Darmawan Dedy Rachmad Haryani Santo Hartono Wahyu Dwi Agung