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All Journal Al-Musthofa: Journal of Sharia Economics Trending: Jurnal Manajemen dan Ekonomi Journal Economic Excellence Ibnu Sina Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Moneter : Jurnal Ekonomi dan Keuangan Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Jurnal Ekonomi, Akuntansi dan Perpajakan Kesejahteraan Bersama : Jurnal Pengabdian dan Keberlanjutan Masyarakat
Rika Nur Amelia
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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Fintech Syariah Di Masa Depan : Peluang Dan Tantangan Rika Nur Amelia; Muhammad Afiqul Rifqi; Muhammad Afton Ilman Huda; Eny Latifah
Trending: Jurnal Manajemen dan Ekonomi Vol. 2 No. 3 (2024): Juli : Trending: Jurnal Manajemen dan Ekonomi
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/trending.v2i3.2742

Abstract

This article aims to explore the future of Islamic fintech with a focus on the opportunities and challenges facing the industry. The research endeavors to provide a comprehensive understanding of how Islamic fintech can develop and compete in the global financial market. The study adopts a qualitative approach with a literature review method. The selection of literature sources includes academic journal articles, books, industry reports, and academic publications related to Islamic finance, financial technology, and financial regulation. The research findings indicate that Islamic fintech has significant potential for growth, especially in countries with significant Muslim populations. However, the main challenges include strict regulation, lack of financial literacy, and competition with conventional fintech. In conclusion, Islamic fintech in Indonesia has significant opportunities and challenges. The Financial Services Authority provides opportunities for Islamic fintech players to register their businesses officially, but this process is hindered by licensing requirements and minimum capital. The negative stigma associated with conventional fintech also affects public perception of Islamic fintech, while a lack of understanding of Islamic principles makes it difficult for the public to distinguish between the two types of fintech.
Konsep Produksi Menurut Perspektif Etika Bisnis Islam Silvi Indah Nurvita Sari; Anugrahi Putri Ziyadatin Ilmi; Ananta Delyana Mafikah; Hikmatus Sa'diyah; Rika Nur Amelia; Eny Latifah
Journal Economic Excellence Ibnu Sina Vol. 3 No. 1 (2025): Journal Economic Excellence Ibnu Sina
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/excellence.v3i1.2268

Abstract

This research article explores the application of Islamic business ethics in production practices in Indonesia, a country with a majority Muslim population. Utilizing qualitative research methods, and data collection methods used include journals, books and articles discussing Islamic economic business ethics. After the data sources have been collected, the author will analyze them and then make conclusions about the research. The main goal of this research is to identify how these ethical guidelines influence production processes, increase social responsibility, and encourage sustainable practices. These findings reveal that adherence to Islamic business ethics not only fosters financial success but also makes a positive contribution to the welfare and desirability of environmental society. Key principles such as honesty, justice and social responsibility are understood as important components that encourage producers to create halal and high-quality products. Furthermore, the research underlines the relevance of this ethical framework in addressing contemporary challenges in the global market, thereby reinforcing the importance of ethical considerations in production activities in Indonesia.
Strategi Pemasaran Produk Coklat Turqiy menurut Etika Bisnis Islam Ananta Delyana Mafikah; Rika Nur Amelia; Silvi Indah Nurvita Sari; Anugrahi Ziyadatin Ilmi; Hikmatus Sa’diyah; Eny Latifah
Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi Vol. 3 No. 1 (2025): Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/anggaran.v3i1.1215

Abstract

This research discusses the application of Sharia business ethics in the marketing strategy of Turqiy chocolate products. As a brand committed to Islamic principles, Turqy integrates Sharia ethical values, such as honesty, justice, and transparency, into every aspect of its operations and product promotions. This product marketing strategy is designed to meet the needs of increasingly selective Muslim consumers for halal and high-quality products. This research uses a qualitative approach with descriptive analysis, exploring how Turqiy applies Sharia principles in the packaging, communication, and distribution of its products. The research results show that the application of Sharia business ethics not only enhances consumer trust but also creates a competitive advantage in the global market. This article makes an important contribution to the development of the sharia marketing concept, especially in the food and beverage industry.
Etika Bisnis Islam dalam E-Commerce di Era VUCA Rika Nur Amelia; Silvi Indah Nurvita Sari; Anugrahi Putri Ziyadatin Ilmi; Hikmatus Sa’diyah; Ananta Delyana Mafikah; Eny Latifah
Moneter : Jurnal Ekonomi dan Keuangan Vol. 3 No. 1 (2025): Januari : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v3i1.1216

Abstract

The VUCA (Volatility, Uncertainty, Complexity, Ambiguity) era has changed the way businesses operate, including in the realm of E-Commerce. These changes raise new challenges, such as intense competition, market uncertainty, and the need for rapid adaptation. In this context, Islamic business ethics offers relevant and adaptive guidance through values ​​such as honesty (ṣidq), justice (ʿadl), responsibility (amānah), and transparency (shafāfiyyah). This research aims to analyze the application of the Islamic business ethics perspective in E-Commerce operations in the VUCA era. This article uses a qualitative approach, with a library research method to integrate Islamic ethical principles. The research results show that the application of Islamic business ethics can strengthen consumer trust, increase operational stability, and create a sustainable business model amidst uncertainty. This article concludes that the integration of Islamic business ethical values ​​is not only relevant but also provides innovative solutions to answer the challenges of the VUCA era.
Praktek Jual Beli pada Marketplace dalam Perspektif Etika Bisnis Islam Hikmatus Sa’diyah; Anugrahi Putri Ziyadatin Ilmi; Ananta Delyana Mafikah; Rika Nur Amelia; Silvi Indah Nurvita Sari; Eny Latifah
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 3 No. 1 (2025): Januari : MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v3i1.1218

Abstract

This research examines the implementation of Islamic business ethics in the practice of buying and selling in the marketplace. The background is the rapid growth of the marketplace as a digital innovation that facilitates buying and selling transactions, but still presents challenges such as dishonesty, unfairness, and non-transparency. This research uses a literature review-based qualitative method to explore the principles of Islamic business ethics such as tawhid, justice, responsibility, and honesty in the context of marketplaces. The findings show that the application of Islamic business ethics can create a more transparent, fair, and sustainable business ecosystem. Platforms such as Tokopedia, Shopee, and Bukalapak have adopted these principles through review, return, and product verification systems. The research results provide a practical contribution in building a digital marketplace that is aligned with sharia values, supports global economic sustainability, and increases consumer trust.
Perilaku Konsumtif Menurut Etika Bisnis Islam Anugrahi Putri Ziyadatin Ilmi; Silvi Indah Nurvita Sari; Hikmatus Sa'diyah; Ananta Delyana Mafikah; Rika Nur Amelia; Eny Latifah
Jurnal Ekonomi, Akuntansi, dan Perpajakan Vol. 2 No. 1 (2025): Jurnal Ekonomi, Akuntansi, dan Perpajakan (JEAP) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jeap.v2i1.811

Abstract

In Indonesia, the increasing consumer behavior is caused by globalization and a culture of materialism, which poses significant moral and economic challenges. The purpose of this research is to explain how Islamic business ethics influence the consumer behavior of society. This study uses library research with a descriptive method. This involves literature research related to journals, books, and scientific articles. Research shows that Islamic business ethics, based on Sharia values such as justice, balance, and social responsibility, can serve as a useful foundation for transforming consumer behavior to be more rational and aligned with needs. The results show that the values of Islamic business ethics should be incorporated into economic policies, education, and business practices in Indonesia to create a more prosperous and moral society.
Dampingan Pembuatan Digital Payment (QRIS) Bagi UMKM dalam Mendukung Transaksi di Desa Cendoro Kecamatan Palang Kabupaten Tuban Eny Latifah; Suroso Suroso; Putra Andika Yoga Pratama; Ghulam Asy Syah’Bany; Inne Zulistiani; Khoirul Ummah; Wilda Roisyatul Hifdiyah; Rika Nur Amelia; Rofiqo Afiyati
Kesejahteraan Bersama : Jurnal Pengabdian dan Keberlanjutan Masyarakat Vol. 3 No. 1 (2026): Januari: Kesejahteraan Bersama : Jurnal Pengabdian dan Keberlanjutan Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/bersama.v3i1.2762

Abstract

The digital era presents challenges as well as opportunities for business actors, especially Micro, Small, and Medium Enterprises (MSMEs). Accelerating the adoption of digital technology-based payment systems is an urgent need so that MSMEs are able to compete and improve transaction efficiency. This Community Service (PKM) activity was carried out in Cendoro Village, Tuban Regency, with the aim of providing assistance to MSME actors through the implementation of a QRIS-based digital payment system. The method of implementing PKM consists of three stages, namely preparation, implementation, and evaluation. In the preparation stage, needs are identified and socialization of QRIS benefits are carried out. The implementation stage includes technical training on the use of QRIS as well as direct assistance in the implementation of non-cash transactions. The evaluation stage was carried out to measure the level of understanding and application of QRIS by participants. The results of the activity showed that participants understood the concept of digital payment and were able to apply QRIS in daily transactions. In addition, this activity encourages an increase in the adoption of QRIS which has an impact on efficiency, transaction security, expansion of market access, and local economic growth. The main obstacles faced include limited technological knowledge, uneven internet access, and operational costs. Thus, this PKM contributes to strengthening digital literacy and supporting technology-based economic transformation in Cendoro Village, Tuban Regency.
Analisis Minat Konsumen Terhadap Produk Cicilan Emas: Studi Kasus Bank Muamalat KCP Lamongan Rika Nur Amelia; Ananta Delyana Mafikah; Silvi Indah Nurvita Sari
Al-Musthofa: Journal of Sharia Economics Vol. 8 No. 2 (2025): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v8i2.4359

Abstract

This study aims to analyze consumer interest in gold installment products at Bank Muamalat KCP Lamongan. This product is one of the sharia financing services that provides convenience to the public in owning gold gradually. Consumer interest is an important initial indicator in determining the potential success of a product, especially in the context of sharia finance. This study uses a qualitative descriptive approach with data collection techniques through literature studies, observations and interviews with customers and banks directly involved in gold installment services.The results of the study indicate that consumer interest is quite high, which is influenced by factors of ease of service, sharia principles used, and bank marketing strategies. However, there are still obstacles such as the unavailability of gold financing in cash and the lack of public literacy in gold installment financing which results in a lack of information received. This study suggests the need to increase education and product promotion in order to reach and be able to fulfill the needs of the community.
Co-Authors Ananta Delyana Mafikah Anugrahi Putri Ziyadatin Ilmi Anugrahi Ziyadatin Ilmi Eny Latifah, Eny Ghulam Asy Syah’Bany Hikmatus Sa'diyah Hikmatus Sa’diyah Inne Zulistiani Khoirul Ummah Muhammad Afiqul Rifqi Muhammad Afton Ilman Huda Putra Andika Yoga Pratama Rofiqo Afiyati Silvi Indah Nurvita Sari Suroso suroso Wilda Roisyatul Hifdiyah