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All Journal IEJST (Industrial Engineering Journal of the University of Sarjanawiyata Tamansiswa) Unram Journal of Community Service (UJCS) Al-Mizan: Jurnal Hukum Islam dan Ekonomi Syariah Jurnal Dimamu Jurnal AbdiMU CONSEN: Indonesian Journal of Community Services and Engagement Jurnal Maps (Manajemen Perbankan Syariah)
Ruhliandini, Putri Zafira
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Social Sciences Other

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Pengaruh Pendapatan Margin Murabahah dan Pendapatan Bagi Hasil Musyarakah terhadap Laba Bersih Ruhliandini, Putri Zafira; Yanthiani, Lenny
Jurnal Dimamu Vol. 4 No. 1 (2024)
Publisher : Ma'soem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/dimamu.v4i1.1310

Abstract

This murabahah financing product is also a product that is quite profitable for banks in developing working capital. Net profit is profit that has been reduced by costs that are a burden on the company in a certain period including taxes. With the increase in murabahah margin income and musyarakah profit sharing income, it will be able to increase the company's net profit. Net profit greatly influences the increase and decrease in profit which will indicate the company's performance. In this study, the author is interested in analyzing the factors that support net profit growth, as well as identifying strategies to increase efficiency and effectiveness to increase murabahah margin income and murabahah profit sharing income. The purpose of this study is to determine how much influence murabahah margin income and musyarakah profit sharing income have on the net profit of PT. BPRS Al-Ma'soem. This study uses a quantitative method with an explanatory approach to analyze the effect of murabahah margin income and musyarakah profit sharing income on the net profit of PT. BPRS Al-Ma'soem. Based on the results of the study, the variables of murabahah margin income and musyarakah profit sharing income have a positive and significant effect on net profit of 87%. Based on the calculation of SPSS 25.0 For Windows, the results in the data show Fcount> Ftable, namely, 29.799> 4.459, then Ha is accepted and H0 is rejected, which means that simultaneously there is a significant effect between murabahah margin income  and musyarakah profit sharing income  on net profit.
Enhancing Community Awareness to Avoid Maisir Elements in Transactions: Meningkatkan Kesadaran Masyarakat untuk Menghindari Unsur Maisir dalam Bertransaksi Ruhliandini, Putri Zafira
CONSEN: Indonesian Journal of Community Services and Engagement Vol. 5 No. 1 (2025): Consen: Indonesian Journal of Community Services and Engagement
Publisher : Institut Riset dan Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57152/consen.v5i1.2056

Abstract

The main issues in this study are the lack of understanding among residents of Perumahan Ikopin regarding the concept of maisir (gambling/speculative elements) in daily transactions, as well as the prevalence of non-transparent transactional practices that may contain maisir. The absence of education and socialization about the dangers of maisir, coupled with traditional cultural influences, exacerbate the problem. Proposed solutions include seminars, workshops, and discussion groups to raise public awareness. The method used is Participatory Action Research (PAR) with three stages: problem survey, socialization, and evaluation. Results show high participant enthusiasm during discussions, improved understanding of maisir, and no residents involved in online gambling. This activity proves the effectiveness of participatory approaches in transforming transactional behavior
Pengaruh Harga dan Kualitas Pelayanan terhadap Keputusan Pembelian Konsumen Ruhliandini, Putri Zafira
Jurnal Dimamu Vol. 4 No. 2 (2025)
Publisher : Ma'soem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/dimamu.v4i2.1401

Abstract

This study analyzes the influence of price and service quality on purchasing decisions at Superindo in Sumedang Regency, Indonesia. The rapid growth of modern retail and shifting consumer lifestyles have intensified competition, making price and service quality critical factors in attracting customers. Using a quantitative approach, data were collected through questionnaires from 385 respondents and analyzed using SPSS 25.0 with linear regression, correlation, and hypothesis testing. Results indicate that price has a dominant positive effect, contributing 58% to purchasing decisions, while service quality contributes 27%. Simultaneously, both variables explain 60% of purchasing decision variance (R² = 0.608), with the remaining 40% influenced by unexamined factors like promotions or product availability. The findings align with previous studies but highlight the unique dynamics of mid-to-high-class retail in urban-rural areas. For Superindo, maintaining competitive pricing and improving service efficiency (e.g., staff responsiveness, checkout speed) are essential strategies. This research underscores the importance of balancing economic and experiential factors in retail, offering practical insights for market segmentation in similar regions.
Peran Fintech Syariah dalam Mendorong Inklusi Keuangan Berbasis Digital Ruhliandini, Putri Zafira
Jurnal Dimamu Vol. 4 No. 3 (2025)
Publisher : Ma'soem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/dimamu.v4i3.1551

Abstract

The digital era has positioned Financial Technology (Fintech) as a transformative force in Indonesia's financial ecosystem, offering innovative solutions to overcome traditional banking barriers. This study aims to analyze the strategic role of Bank Syariah Indonesia (BSI) in promoting digital financial inclusion through its Islamic Fintech initiatives, with a focus on the BYOND application. Using a quantitative descriptive method with an explanatory approach, this research collected data through questionnaires distributed to 185 BSI customers selected through purposive sampling from a population of 3.5 million BYOND users. The regression analysis results indicate a positive and significant relationship between Islamic fintech and financial inclusion, with a Pearson correlation coefficient of 0.441 (moderate category). The coefficient of determination (R²) is 0.195, indicating that Islamic fintech contributes 20% to financial inclusion, while the remaining 80% is influenced by other variables. The t-test result (tcount = 2.909 > ttable = 1.65313) confirms the significant effect of Islamic fintech on financial inclusion. This study reinforces the importance of Islamic fintech in enhancing financial inclusion and supporting the Sustainable Development Goals (SDGs).
Perbedaan Rata-Rata Harga Saham Sektor Perbankan dan Farmasi dengan Perhitungan Interval Kepercayaan Mayanti, Yuni; Ruhliandini, Putri Zafira
INDUSTRIAL ENGINEERING JOURNAL of the UNIVERSITY of SARJANAWIYATA TAMANSISWA Vol 8 No 2 (2024)
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/iejst.v8i2.0240205

Abstract

The capital market serves as a key economic indicator, reflecting the performance of various industrial sectors, including the banking and pharmaceutical sectors. The Covid-19 pandemic in 2020 had distinct impacts on these two sectors, which were reflected in the movement of their stock prices. This study aims to analyze the differences in the average stock prices of the banking and pharmaceutical sectors listed on the Indonesia Stock Exchange (IDX) in 2020 using the 99% confidence interval method. The data used in this study consists of stock prices obtained from the official IDX website, with a sample of 10 banking companies and 10 pharmaceutical companies selected through the purposive sampling method. The analysis results indicate a difference in average stock prices of 932.5 ± 11,388 with a 99% confidence level. The calculation using the t-student table with t = 2.88 confirms that there is a difference in the average stock prices of the banking and pharmaceutical sectors in 2020. Although, on average, the banking sector has higher stock prices, the confidence interval shows a relatively wide range, suggesting the possibility of no statistically significant difference. These findings provide valuable insights for investors in making informed investment decisions and for capital market regulators in maintaining market stability.
Implementasi Undang-Undang Wakaf dalam Perspektif Hukum Islam: Studi Terhadap Efektivitas Pengelolaan Wakaf Produktif Judijanto, Loso; Hambali, HM. Ridlwan; Sani, Abdullah; Hendriyanto, Hendriyanto; Ruhliandini, Putri Zafira
Al-Mizan Vol 12 No 1 (2025): Al-Mizan
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam (IAI) Al-Aziziyah Samalanga

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Wakaf produktif memiliki potensi besar dalam memperkuat perekonomian Islam dan meningkatkan kesejahteraan sosial. Penelitian ini bertujuan untuk menganalisis implementasi Undang-Undang Nomor 41 Tahun 2004 tentang Wakaf dalam perspektif hukum Islam, khususnya terkait efektivitas pengelolaan wakaf produktif di Indonesia. Metode yang digunakan adalah kajian pustaka dengan menganalisis regulasi, teori hukum Islam, serta praktik pengelolaan wakaf di Indonesia. Hasil penelitian menunjukkan bahwa meskipun regulasi wakaf di Indonesia telah cukup komprehensif, implementasinya masih menghadapi berbagai kendala, seperti rendahnya kapasitas nazhir, keterbatasan literasi wakaf di masyarakat, serta belum optimalnya sinergi antara lembaga keuangan syariah dan badan wakaf. Faktor pendukung efektivitas pengelolaan wakaf mencakup regulasi yang jelas dan dukungan pemerintah, sementara faktor penghambatnya meliputi lemahnya tata kelola dan kurangnya inovasi dalam pengelolaan aset wakaf. Oleh karena itu, diperlukan penguatan kelembagaan, profesionalisasi nazhir, serta pemanfaatan teknologi digital untuk meningkatkan transparansi dan akuntabilitas pengelolaan wakaf produktif. Dengan optimalisasi strategi tersebut, wakaf dapat menjadi instrumen ekonomi Islam yang lebih efektif dan berkelanjutan.
Penyuluhan Pengelolaan Keuangan Rumah Tangga Berdasarkan Prinsip Syariah Ruhliandini, Putri Zafira; Aditya, Fajar Aditya; Fatimah, Rista Amelia
Jurnal AbdiMU (Pengabdian kepada Masyarakat) Vol. 5 No. 2 (2025): November
Publisher : Ma'soem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/abdimu.v5i2.1671

Abstract

The background of this activity is the low level of understanding among the community, especially housewives in Cibungur Village, regarding the principles of sharia-based financial management. This condition leads to many families lacking clear budget planning, facing difficulties in managing income and expenses (including not recording them), and having limited knowledge of sharia investment products, which results in potential financial instability. The purpose of this outreach is to provide comprehensive understanding of the concept of sharia household financial management, ranging from budget planning and expenditure prioritization to sharia-compliant investment, with the hope of creating financial independence and achieving a sakinah family. The community service partner is the community of Cibungur Village, Rancakalong District, Sumedang Regency. The method used is transformative Participatory Action Research (PAR), with the counseling being evaluated using the CIPP model (Context, Input, Process, Product). The initial findings show that the financial literacy of the residents is still minimal, evidenced by the habit of storing assets in the form of cash or gold jewelry due to limited access to modern sharia instruments. However, the counseling activity, conducted on August 02, 2025, received a very positive response, proven by the high enthusiasm and active communication of the participants during the discussion and Q&A sessions. This interaction indicates that participants actively constructed their new knowledge, suggesting that the community service activity successfully increased awareness and understanding of sharia household financial management.
Pengaruh Penggunaan Digital payment dan Literasi Keuangan Syari'ah Terhadap Perilaku Konsumtif Ruhliandini, Putri Zafira; Mayanti, Yuni; Kamali, Ahmad Nurkamali; Maharani, Indah Maharani
Jurnal Dimamu Vol. 5 No. 1 (2025)
Publisher : Ma'soem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/dimamu.v5i1.1741

Abstract

The rapid development of financial technology and the massive penetration of digital payment among students raise concerns about the increase in consumptive behavior due to the transaction ease that reduces the "pain of paying". this study aims to analyze the partial and simultaneous effects of digital payment use  and sharia financial literacy on consumptive behavior in FEBI Universitas Ma’soem students. This explanatory quantitative descriptive research utilized 158 respondents selected through purposive sampling. Data analysis was performed using multiple linear regression, t-test, and F-test. The results indicate that, partially, digital payment use has a positive and significant effect on consumptive behavior, establishing it as the primary driving factor. Conversely, sharia financial literacy is partially correlated positively, significantly but weakly—a contradictory finding to sharia ethical principles. In the simultaneous model, although sharia financial literacy shows a negative direction (in line with theory), its influence is not statistically significant. Collectively, digital payment and sharia financial literacy affect consumptive behavior, contributing 39.3% of the observed variation. The main conclusion is that the dominant effect of digital payment cannot be effectively counterbalanced by sharia financial literacy knowledge alone; practical implementation of Sharia ethics is necessary to control student consumptive behavior.
Zakat Service Quality, Literacy, and Legal Awareness : Effects on Payment Decisions and Welfare in Jawa Barat Nurkamali, Ahmad; Ruhliandini, Putri Zafira; Hakim, Abdul; Syalsabila, Jelita
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 2 (2026)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i2.1891

Abstract

The potential for zakat in Jawa Barat in 2024 is Rp 26.6 trillion, which is a very large potential. However, the collection of zakat funds managed by zakat administrators under the BAZNAS regulator in the same year was only able to collect zakat, infaq, and sadaqah amounting to 1.9 trillion rupiah, or 7.1 percent of the existing zakat potential. Based on several pieces of literature, factors influencing the low decision-making of zakat payers are the low quality of amilin services, lack of zakatt literacy,and muzakkis legal awareness, which is still not optimal. The decisions of the zakat payer (muzakki) to pay zakat greatly influences the well-being of the recipients (mustahiq). This study aims to determine the influence of amilin service quality, zakat literacy, and legal awareness on muzakki's decision to pay zakat and the welfare of mustahiq. This research method uses a quantitative research type. The research subjects are zakaat payer (muzakki) and zakatrecipient (mustahiq) from the-Muslim community at BAZNAS city and district offices in Jawa Barat. The type of datta used is primary data, with data collection technique using questionaire distributed,to 100 respondentts in six cities in Jawa Barat. The data analysiss techniq uses the SEM-PLS method. The conclusion of this study successfully prove that the service quallity variable of amilin has a significant posittive effects on the variable of muzakkis decision to pay zakat.  It was proven that the variables of zakat, literacy and legal awareness have a significant positive influences onthe variable-of muzakki's decision to pay zakat.  For the decision variables of the zakat payer (muzakki) paying zakat, it is proven to have a significantly positive effect on the welfare variable. The services qualitty variabel 'amilin'  has a positiive but insignificant effect on welfare. Thevariable of zakat literacy was proven to have a neghative and insingificant effects on the variable of welfare. The variable of legal awareness has been proven to have a positive and significants effects on the variable of well-being.
Budgeting Training through the Business Financial Management System (SIPEKU) Program for MSMEs at the Pujasera Merah Canteen, UIN Bandung Ruhliandini, Putri Zafira; Kamal, Ahmad Nur; Jayadi, Hadi; Alghifary, Thoriq Rifky
Unram Journal of Community Service Vol. 7 No. 1 (2026): March
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v7i1.1518

Abstract

The fundamental issue faced by Canteen MSMEs at Pujasera Merah UIN Bandung is weak financial management, characterized by inconsistent bookkeeping and the commingling of business and personal finances without formal budgeting. This community service project aims to enhance financial literacy and managerial skills among partners through the implementation of the Business Financial Management System (SIPEKU) Program. The implementation method employed a participatory learning approach, encompassing intensive training, simulations of Microsoft Excel-based digital toolkits, and continuous mentoring. The results indicate a significant increase in participant enthusiasm and digital proficiency, with business owners successfully operating budgeting templates via their smartphones. Based on a two-month monitoring period, a behavioral transformation was observed, shifting from initial resistance to active adoption. Participants reported positive outcomes, including cash flow transparency, accurate business measurement, and accelerated decision-making capabilities. This program concludes that simple digital budgeting systems are effective in fostering peace of mind and clarifying business growth visions for MSME entrepreneurs.
Co-Authors Abdul Hakim Abdullah Sani Aditya, Fajar Aditya Alghifary, Thoriq Rifky Fatimah, Rista Amelia Hendriyanto Hendriyanto Jayadi, Hadi Judijanto, Loso Kamal, Ahmad Nur Kamali, Ahmad Nurkamali M. Ridlwan Hambali Maharani, Indah Maharani Nurkamali, Ahmad Syalsabila, Jelita Yanthiani, Lenny Yuni Mayanti