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All Journal EKONOMIS : Journal of Economics and Business Journal of Islamic Economics, Management, and Business (JIEMB) Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management
Fatmawati, Farida
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Comparative analysis of monetary functions in Islamic and conventional economic systems Fatmawati, Farida
Journal of Islamic Economics Management and Business (JIEMB) Vol. 5 No. 1 (2023)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2023.5.1.20425

Abstract

The article investigates the distinction between the functions and perceptions of money within Islamic and conventional economic systems. The purpose of the study is to elucidate the Islamic principles governing the use of money, highlighting the fundamental differences from conventional views and their implications for modern economies. The methodology employed is a qualitative approach with descriptive-analytical methods, incorporating primary sources from classical Islamic scholars and contemporary experts, as well as secondary data from relevant academic literature. The findings reveal that, unlike in conventional economics where money can be treated as a commodity, Islamic economics defines money strictly as a medium of exchange and a standard of value, not for hoarding or speculative purposes. This research underscores the necessity of adhering to Sharia principles to ensure a just and sustainable economic system. The implications suggest a re-evaluation of modern financial practices to align more closely with Islamic economic teachings, promoting ethical financial behavior and Indonesia.
Pengaruh Good Governance dan Religiusitas terhadap Kecenderungan Fraud Dana Desa (Survei pada Pemerintahan Desa di Provinsi Daerah Istimewa Yogyakarta) Fatmawati, Farida; Putra, Wahyu Manuhara
Ekonomis: Journal of Economics and Business Vol 8, No 2 (2024): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v8i2.1629

Abstract

This research aims to provide empirical evidence about the influence of the principles of transparency, accountability, responsibility, independence, fairness, & religiosity on the tendency of village fund fraud. The sample in this study was village government officials in the Special Region of Yogyakarta Province, using cluster-convenience sampling techniques. The number of respondents in this study was 154. This research is quantitative, using primary data obtained from distributing questionnaires to respondents. Hypothesis testing in this research used the SEM-PLS analysis. This research provides empirical results indicating that transparency has a negative & significant effect on the tendency of village fund fraud. Accountability, responsibility, fairness, & religiosity have a negative but not significant effect on the tendency of village fund fraud. Meanwhile, independence has a positive effect on the tendency of village fund fraud.
The Effect of Sharia Financial Literacy on the Interest in Becoming a Customer at KB Bank Syariah Bukopin Darmo Branch Office Fatmawati, Farida; Nabila, Dwi Salma; Fitriyanti, Anis; Hidayatus, Yunita Nur
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.618

Abstract

This study examines the influence of Islamic financial literacy on public interest in becoming customers of KB Bank Syariah Bukopin, Darmo Branch. The research was motivated by the low public understanding of Islamic banking products and principles. Using a qualitative case study approach, data were collected through semi-structured interviews, participatory observation, and document analysis. The findings reveal three main themes: (1) understanding Islamic finance concepts enhances confidence in bank products, (2) religiosity-based trust increases transactional security, and (3) service and educational experiences strengthen customer interest. Analysis using the Miles and Huberman interactive model indicates that Islamic financial literacy serves both cognitive and affective roles in influencing customer interest, supported by effective communication and service strategies. The study concludes that Islamic financial literacy not only improves public understanding but also reinforces their intention to choose Islamic banking. Theoretically, this study expands the perspective on Islamic financial literacy by highlighting experiential and value-based dimensions. Practically, it provides insights for Islamic banks, particularly KB Bukopin Syariah, to design more effective educational and marketing strategies. Future research should integrate qualitative and quantitative methods for broader validation.
The Effect of Sharia Financial Literacy on the Interest in Becoming a Customer at KB Bank Syariah Bukopin Darmo Branch Office Fatmawati, Farida; Nabila, Dwi Salma; Fitriyanti, Anis; Hidayatus, Yunita Nur
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.618

Abstract

This study examines the influence of Islamic financial literacy on public interest in becoming customers of KB Bank Syariah Bukopin, Darmo Branch. The research was motivated by the low public understanding of Islamic banking products and principles. Using a qualitative case study approach, data were collected through semi-structured interviews, participatory observation, and document analysis. The findings reveal three main themes: (1) understanding Islamic finance concepts enhances confidence in bank products, (2) religiosity-based trust increases transactional security, and (3) service and educational experiences strengthen customer interest. Analysis using the Miles and Huberman interactive model indicates that Islamic financial literacy serves both cognitive and affective roles in influencing customer interest, supported by effective communication and service strategies. The study concludes that Islamic financial literacy not only improves public understanding but also reinforces their intention to choose Islamic banking. Theoretically, this study expands the perspective on Islamic financial literacy by highlighting experiential and value-based dimensions. Practically, it provides insights for Islamic banks, particularly KB Bukopin Syariah, to design more effective educational and marketing strategies. Future research should integrate qualitative and quantitative methods for broader validation.
Co-Authors Fitriyanti, Anis Hidayatus, Yunita Nur Nabila, Dwi Salma