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All Journal Al-Ulum 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 Journal of Islamic Economics Lariba Cakrawala: Jurnal Pengabdian Masyarakat Global Paradoks : Jurnal Ilmu Ekonomi 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 Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Between Faith and Finance: Can Religiosity and Islamic Financial Literacy Curb Impulsive Buying in Game Microtransactions? Prasetya, Naufal Rizky; Nurafini, Fira
Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam Vol 17 No 1 (2025): Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam
Publisher : State of Islamic Institute Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jurisprudensi.v17i1.10808

Abstract

Ideally, as Muslims, Generation Z should be able to control their consumptive behavior in purchasing virtual game items through an understanding of religious values and Islamic financial literacy. However, in reality, impulsive behavior in game microtransactions is still prevalent among them. This study aims to analyze the influence of religiosity and Islamic financial literacy on impulsive buying among Muslim Generation Z in Surabaya. This article is categorized as field research with a quantitative approach. The methodology used is an associative quantitative method, which seeks to analyze the relationship between variables. The results of the study conclude that religiosity has a negative effect on impulsive buying, whereas Islamic financial literacy has a positive effect. This indicates that despite having a high understanding of Islamic financial principles, the weak application in daily life leads to continued consumptive behavior.
Pengaruh Halal Awareness, Customer Review dan Perceived Behavioral Control Terhadap Keputusan Pembelian Kosmetik Halal Pada Mahasiswi Muslim Surabaya Melalui Marketplace Rahayu, Rima Ika Tantri; Nurafini, Fira
Paradoks : Jurnal Ilmu Ekonomi Vol. 8 No. 3 (2025): May - July
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v8i3.1391

Abstract

Kosmetik selalu ada di kehidupan mahasiswa yang selalu ingin tampil menarik.  Salah satu platform yang digunakan mahasiswi saat ini untuk memenuhi kebutuhan mereka adalah marketplace.  Penelitian ini bertujuan untuk mengetahui bagaimana halal awareness, customer review, dan perceived behavioral control berpengaruh terhadap keputusan mahasiswi muslim Surabaya untuk membeli kosmetik halal melalui marketplace.  Metode kuantitatif digunakan dalam penelitian ini, dan data primer diperoleh melalui kuesioner.  Pengumpulan sampel dilakukan menggunakan teknik sampling dengan jumlah responden 104.  SEM-PLS dan program SmartPLS 4 digunakan untuk menganalisis data.  Penelitian menunjukkan bahwa halal awareness tidak memengaruhi keputusan seseorang untuk membeli kosmetik halal. Dan hasil penelitian menunjukkan bahwa Keputusan pembelian mahasiswi muslim Surabaya untuk membeli kosmetik halal melalui marketplace dipengaruhi oleh customer review dan perceived behavioral control.
Pengaruh Social Media Marketing, Orientasi Kewirausahaan Dan Label Halal Produk Terhadap Keunggulan Bersaing Umkm Sektor Kuliner Di Jombang Apriliyana, Yeni; Nurafini, Fira
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 2 (2025): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v10i2.8800

Abstract

This study investigates the influence of social media marketing, entrepreneurial orientation, and halal product labeling on the competitive advantage of culinary Micro, Small, and Medium Enterprises (MSMEs) in Jombang Regency, Indonesia. Employing a quantitative research design with a purposive sampling technique, this study involved 105 culinary MSMEs that have obtained halal certification and actively utilize social media platforms for marketing purposes. Primary data were collected through an online questionnaire distributed via Google Forms and processed using SPSS software. The findings reveal that social media marketing, entrepreneurial orientation, and halal product labeling each exert a positive and significant effect, both partially and simultaneously, on the competitive advantage of culinary MSMEs in Jombang. These results underscore the importance of optimizing digital marketing strategies, fostering a strong entrepreneurial mindset, and adhering to halal certification standards as integrated efforts to enhance the sustainable competitive edge of culinary MSMEs.
Technology in halal certification: a ten-year bibliometric study Timur, Yan Putra; Suryaningsih, Sri Abidah; Canggih, Clarashinta; Nurafini, Fira; Badrul Munir, Maryam Bte; Ali, Asiah Binti
Indonesian Journal of Electrical Engineering and Computer Science Vol 39, No 2: August 2025
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/ijeecs.v39.i2.pp1280-1298

Abstract

This study explores the role of technology in halal certification using bibliometric analysis. Based on 88 articles from the Scopus database (2014–2024), the research employs tools like Publish or Perish (PoP), Microsoft Excel, and VOSviewer to reveal the intellectual framework of relevant literature. The finding indicates a steady increase in manuscript productivity from 2014-2024 despite a declining citation trend. Journal of Islamic Marketing, Mohd Zabiedy Mohd Sulaiman, Malaysia, and the National Defence of Malaysia emerged as most prolific journal, author, country, and institution that produce the most, respectively, in publishing on the topic. The paper that has influenced other research the most is Rejeb et al.’s integrating the IoT in the halal food supply chain: a systematic literature review and research agenda. Five significant keyword clusters that frequently show up in the 88 articles examined in this study are halal supply chain, consumer behavior towards halal foods, the role of blockchain in the halal industry, the role of information technology in halal cosmetics, and halal logo in food products. This study highlights the increasing integration of technology in halal certification, emphasizing the need for continuous innovation, interdisciplinary collaboration, and alignment with industry demands to maintain relevance. Additionally, it underscores Malaysia’s leadership in this field while noting the global expansion of halal research, the impact of emerging technologies like blockchain and IoT, and the need for stronger institutional collaboration to enhance transparency, traceability, and market growth.
Halal Certification for MSMEs: what Drives the Interest of MSMES in Indonesia and Malaysia? Suryaningsih, Sri Abidah; Indrarini, Rachma; Nurafini, Fira; Munir, Maryam Bte Badrul; Binti Zakaria, Zalina; Nurillah, Shinta Lintang
Al-Ulum Vol. 24 No. 1 (2024): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/au.v24i1.5320

Abstract

This study explores the factors influencing interest in halal certification, focusing on certification fees, government involvement, and the certification process, particularly for halal MSMEs (Micro, Small, and Medium Enterprises). A survey of 65 respondents from businesses in Indonesia and Malaysia was analyzed using Smart PLS 3.0, a tool for Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that certification fees (p-value = 0.226) and government involvement (p-value = 0.966) do not significantly affect interest, while the certification process (p-value = 0.009) has a significant impact. These findings suggest that simplifying the certification procedure could increase participation, especially for MSMEs facing challenges related to cost and understanding the process. The study’s practical implication is that certification bodies should prioritize simplifying the process to encourage more MSMEs to pursue halal certification. This research provides valuable insights for academic research, industry practices, and MSME empowerment.
Analisis Kesiapan Perbankan Dalam Implementasi Green Financing : Tinjauan Komparatif Bank Syariah Dan Bank Konvensional Di Indonesia Ningtyas, Devy Ayu; Nurafini, Fira
Tasharruf : Journal of Islamic Economics and Business Vol. 5 No. 2 (2024): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v5i2.558

Abstract

Environmental pollution, air pollution and other problems related to the environment. Pollution is an economic problem. Therefore, policy makers require economic development to truly implement a green vision in the new era. The proactive role of banking is necessary to support the creation of environmentally friendly finance (green finance) as a lender that will stimulate industry to do this in implementing environmental management in line with maqasid sharia. This research aims to analyze the application of green financing and financial performance on capital returns in sharia and conventional banking 2019 - 2023. This research uses a purposive sam pling method with secondary data from sharia banks and conventional banks. The analysis technique used is Multiple Regression. This research was conducted to test the influence of variables including CAR, NPL, BOPO, and LDR which influence ROA in conventional banking. Meanwhile, Islamic banking tested the influence of variables including CAR, NPF, BOPO, and FDR which influenced ROA. The results of this research show that the influence of the CAR and LDR variables of Conventional Banks is positive and significant on ROA. Meanwhile, the NPL and BOPO variables of conventional banks have a negative and significant effect. Meanwhile, The influence of the variables CAR, NPF, BOPO and FDR of Islamic banks has no effect on ROA.
Enhancing Wealth Distribution Literacy Based on Mawaris Principles among Urban Muslim Families Rofiqo, Azidni; Nurafini, Fira; Canggih, Clarashinta; Rohmaningtyas, Nurwinsyah; Kurniawan, Taufiq
Journal of Islamic Economy and Community Engagement Vol. 7 No. 1 (2026): Volume 7 No.1 2026
Publisher : FEBI UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jiecem.2026.7.1.2985

Abstract

The low level of wealth distribution literacy based on mawaris principles among urban Muslim families has the potential to generate injustice and conflict within households. This community service activity aimed to enhance the understanding and awareness of urban Muslim families regarding the importance of applying mawaris principles in family wealth distribution. The activity was conducted at the PKK Women’s Community of Wiyung Brantas Permai on April 19, 2025, involving 23 participants. An educative and participatory approach was employed through interactive lectures, group discussions, case studies, and evaluation using pre-test and post-test instruments. The results indicate an improvement in participants’ understanding of the basic concepts and mechanisms of mawaris, accompanied by changes in attitudes and awareness toward planning family wealth distribution in accordance with Islamic principles. The activity also received positive responses from participants and has the potential to generate sustainable impact through the strategic role of women within the family. Thus, this community service initiative contributes to strengthening Islamic financial literacy and promoting equitable wealth distribution in urban Muslim communities.
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
Co-Authors Ach. Yasin Ahmad Ajib Ridlwan Ali, Asiah Binti Amalia, Nur Halizatul 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 Khoiriyah, Eva Zunia Khusnul Fikriyah Maulidiyah, Musaidatul Misbachul Munir Munir, Maryam Bte Badrul Nanda, Annisa Amalia Eka Ningtyas, Devy Ayu Nurillah, Shinta Lintang Prasetya, Naufal Rizky Putri, Diva Carrisa Rachma Indrarini Rahayu Mardikaningsih Rahayu, Rima Ika Tantri Retnowati, Eli 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