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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Ilmiah Edunomika (JIE) Indo-Fintech Intellectuals: Journal of Economics and Business
Endah Kristiani
Universitas Nahdlatul Ulama Surakarta
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Analisis Rasio Keuangan Untuk Menilai Kinerja Keuangan Pada MANDIRI COLLECTION Endah Kristiani; Lintang Pamugar Mukti Aji
JURNAL ILMIAH EDUNOMIKA Vol 7, No 2 (2023): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v7i2.7671

Abstract

This study discusses the Analysis of Liquidity Ratios, Solvency, Activity and Profitability. In assessing the Mandiri Collection's Financial Performance, the aim of this study was to determine conditions and performance based on financial ratios. The research data used uses primary data and secondary data. This type of research is descriptive quantitative which aims to find factual information. The objects used are financial reports in the form of balance sheets and Mandiri Collection profit/loss reports. In the 2018 and 2019 periods. In the data analysis method, the quantitative analysis method was used. The results of this study can be seen based on liquidity and solvency ratios. In the position of Debt to Asset ratio in 2018 to 2019 in very good condition. When viewed from the ratio of the effectiveness level of Mandiri Collection based on Inventory turn Over from 2018 to 2019, the operation can be categorized as effective. The Profitability ratio can be seen in the Return on Investment and Return on Equity and analysis of the profitability ratios that have been carried out from 2018 to 2019 has increased.
Extended Theory of Planned Behavior Model to Predict Factors Affecting the Behavior of Eating Halal Food (Case Study of Santri Tahfidz Pondok Pesantren Al Muayyad Surakarta) Nailil Muna; Muhammad Fauzan Aminudin; Daryanto Daryanto; Fikrina Faraidi Fardani; Endah Kristiani; Nur Rahmawati; Adhista Setyarini
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 4 No. 5 (2024): Indo-Fintech Intellectuals: Journal of Economics and Business (in-Press)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v4i5.1818

Abstract

This study examined the characteristics that impact tahfidz students' food choices at Al Muayyad Islamic Boarding School in Surakarta, particularly halal food intake. This is quantitative descriptive research. Halal food purchases are mainly influenced by the Extended Theory of Planned Behavior model. Awareness, behavioral habits, religious self-identity, moral commitments, and trust also affect this technique. The sample included Al Muayyad Islamic Boarding School pupils memorizing the Qur'an. Data collection techniques with random sampling method through distributing questionnaires. Furthermore, the data analysis technique uses the SPPS version 26.0 application with multiple linear regression tests. Moral obligation has a significant positive effect on halal food consumption behavior, subjective norm or subjective norm has a significant negative relationship. Other components or factors, do not have a significant influence on the decision to consume halal food for students even though they have a positive relationship.
From Risk to Trust: Strengthening QRIS Usage in MSMEs for Islamic Financial Inclusion Rony Arpinto Ady; Lintang Pamugar Mukti Aji; Endah Kristiani
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19566

Abstract

Wider access to QRIS has strengthened the digital payments environment for Indonesian micro, small, and medium-sized enterprises, yet regular use is still shaped by how users evaluate financial information and security-related uncertainty. Based on responses from 180 MSME customers in Yogyakarta who had completed at least one QRIS payment, this research examined the interplay of financial literacy, perceived security risk, trust in QRIS security, behavioural intention and actual usage using Partial Least Squares Structural Equation Modelling, and the analysis. The analysis confirms that financial literacy encourages adoption in two main ways: it increases willingness to use QRIS and fosters stronger trust in the system’s security. At the same time, perceptions of security risk work in the opposite direction. When users remain concerned about fraud, data exposure, or similar threats, both trust and behavioural intention decline. Trust then becomes a pivotal mechanism in the adoption process, as it contributes positively to intention as well as actual QRIS use. The analytical model also accounts for a substantial share of the variation in realised usage behaviour. A further result concerns the interaction effect: trust significantly moderates the link between behavioural intention and actual usage, but the direction is negative. This suggests that once users already trust QRIS and have incorporated it into their payment habits, stronger intention adds only limited incremental influence to their level of actual use. The overall implication is that broader QRIS adoption among MSMEs depends on simultaneous progress in financial literacy, risk reduction, and visible security assurance. Viewed from the perspective of Islamic finance, the results also indicate thatt Islamic banks, Islamic microfinance institutions, and other sharia-compliant intermediaries are well positioned to encourage digital financial inclusion by linking QRIS expansion with financial education and reliable payment security.
Co-Authors Adhista Setyarini Daryanto Daryanto Fikrina Faraidi Fardani Lintang Pamugar Mukti Aji Muhammad Fauzan Aminudin Nailil Muna Nur Rahmawati Rony Arpinto Ady