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All Journal Al-Ulum Jurnal Ilmiah Ekonomi Islam Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam Indonesian Journal of Electrical Engineering and Computer Science Ihsan: Jurnal Pengabdian Masyarakat Journal of Islamic economy and Community Engagement MOVE: Journal of Community Service and Engagement Jurnal Ekonomika dan Bisnis Islam Indonesian Journal of Islamic Economics and Finance Journal of Islamic Economics Lariba Cakrawala: Jurnal Pengabdian Masyarakat Global Paradoks : Jurnal Ilmu Ekonomi Socius: Social Sciences Research Journal Neraca Manajemen, Akuntansi, dan Ekonomi International Conference on Islamic Economic Tasharruf : Journal of Islamic Economics and Business BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Nurafini, Fira
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : International Conference on Islamic Economic

 1 
Rahn Financing Stability amid Macroeconomic Fluctuations: A VECM Analysis of Islamic Pawnshops in Indonesia (2020–2025) Hardiansyah, Indra Setiawan; Nurafini, Fira
International Conference on Islamic Economic (ICIE) Vol. 5 No. 1 (2026): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v5i1.447

Abstract

The development of rahn financing at Sharia Pawnshops in Indonesia cannot be separated from the dynamics of macroeconomic conditions that continue to change. Macroeconomic instability, such as inflation, BI-Rate, and exchange rates, has the potential to affect the performance and distribution of rahn financing. This condition became more pronounced during the 2020–2025 period, which was characterized by an economic crisis due to the COVID-19 pandemic and the subsequent economic recovery, thus necessitating empirical investigation. This study aims to analyze the effects of inflation, BI-Rate, and exchange rates on the distribution of rahn financing at Sharia Pawnshop in Indonesia, both in the short run and the long run. The analytical method employed in this study is the Vector Error Correction Model (VECM) using time series data. The analysis stages include stationarity tests, optimal lag determination, cointegration tests, VAR/VECM estimation, as well as Impulse Response Function (IRF) and Variance Decomposition (VD) analyses to examine the dynamic relationships among variables. The results indicate that inflation does not have a significant effect on rahn financing. The BI-Rate has a significant and negative effect on rahn financing, suggesting that increases in the benchmark interest rate tend to suppress the distribution of rahn financing. Meanwhile, the exchange rate does not have a significant effect in the short run but shows a significant and positive effect in the long run. These findings indicate that rahn financing is relatively stable against inflationary pressures but is sensitive to changes in the BI-Rate and exchange rate conditions in the long term. This study is expected to provide empirical references for the management of Syariah Pahwnshop and regulators in formulating financing policies that are more adaptive and responsive to macroeconomic dynamics, particularly in maintaining the stability and sustainability of rahn financing in Indonesia.
Profit-Sharing Perception and Service Quality as Determinants of Customers’ Decisions to Use Tadhabur Savings Cindito, Putri Izzah Septiani; Nurafini, Fira
International Conference on Islamic Economic (ICIE) Vol. 5 No. 1 (2026): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v5i1.450

Abstract

Customers desires and interests play a role in driving decision-making regarding the use of Islamic bank savings. Customer decisions regarding the use of Islamic bank savings can be influenced by several factors. Differences in customer perceptions of the profit-sharing system in Islamic bank savings occur due to differences in their level of understanding and knowledge regarding the profit-sharing system in Islamic bank savings. The quality of service provided by Islamic banks is also a factor in attracting and retaining Islamic bank customers. This study aims to analyze customer perceptions of the profit-sharing system in Islamic bank savings and the quality of service provided by the bank to customers in relation to customer decisions regarding the use of Islamic bank savings. The sample used in this study was 95 Tadhabur savings customers at BPRS Lantabur Tebuireng, Surabaya Branch. Data collection in this study used questionnaires as primary data which were analyzed using multiple linear regression analysis and processed using SPSS 26. The results of this study indicate that Profit Sharing Perception (X1) has a significant effect on Customer Decisions (Y) in using tadhabur savings at BPRS Lantabur Tebuireng Surabaya Branch and Service Quality (X2) has a significant effect on Customer Decisions (Y) in using tadhabur savings at BPRS Lantabur Tebuireng Surabaya Branch. The t-test results show a significance value for the profit sharing perception variable of 0.005 and the service quality variable of 0.000. This study can be a reference for policies or decisions and provide insight for related parties
The Influence of Financial attitude on Sharia Investment Intention among Generation Z in Surabaya: The Mediating Role of Financial literacy Pratama, Erry Arista; Nurafini, Fira
International Conference on Islamic Economic (ICIE) Vol. 5 No. 1 (2026): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v5i1.474

Abstract

This study aims to examine the influence of financial attitude on investment intention in the Islamic capital market among Generasi Z in Surabaya with financial literacy as a mediating variable. The research employs a quantitative approach using primary data collected through an online questionnaire distributed via Google Forms. The respondents consist of 153 Generasi Z individuals residing in Surabaya with diverse demographic backgrounds. The variables analyzed in this study include financial attitude as the independent variable, financial literacy as the mediating variable, and investment intention as the dependent variable. Data analysis was conducted using the Partial Least Squares Structural Equation Modeling (PLS-SEM) technique to test both direct and indirect relationships among variables. The results indicate that financial attitude has a significant positive effect on financial literacy. However, financial attitude does not have a significant direct effect on investment intention in the Islamic capital market. Meanwhile, financial literacy has a significant positive effect on investment intention and also functions as a mediating variable in the relationship between financial attitude and investment intention. These findings highlight the importance of financial literacy in transforming positive financial attitudes into stronger intentions to invest among Generasi Z.
Co-Authors Ach. Yasin Ahmad Ajib Ridlwan Ali, Asiah Binti Amalia, Nur Halizatul Andrayuni, Arfiana Meilani Apriliyana, Yeni Badrul Munir, Maryam Bte Binti Zakaria, Zalina Cilda Thesisa Ilmawan Dzinnur Cindito, Putri Izzah Septiani Clarashinta Canggih Didit Darmawan El-Yunusi, Muhammmad Yusron Eli Masnawati Faiza, Nurlaili Adkhi Rizfa Fitriah Dwi Susilowati Hardiansyah, Indra Setiawan Junaidi, Refi Mariska Khoiriyah, Eva Zunia Khusnul Fikriyah Maulidiyah, Musaidatul Misbachul Munir Munir, Maryam Bte Badrul Nadira, Danish Nanda, Annisa Amalia Eka Ningtyas, Devy Ayu Nurillah, Shinta Lintang Prasetya, Naufal Rizky Pratama, Erry Arista Putri, Diva Carrisa Rachma Indrarini Rahayu Mardikaningsih Rahayu, Rima Ika Tantri Rahmatika, Febrina Retnowati, Eli Ridlwan, Achmad Ajib Rodiyah, Siti Kholidatur Rofiqo, Azidni Rohmaningtyas, Nurwinsyah Safira, Mirza Elmy Sri Abidah Suryaningsih Syarifudin Syarifudin Syuro'ah, Nurul Mubarokatus Taufiq Kurniawan Umi Habibah Yan Putra Timur