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All Journal IEJST (Industrial Engineering Journal of the University of Sarjanawiyata Tamansiswa) Al-Mizan: Jurnal Hukum Islam dan Ekonomi Syariah Jurnal Dimamu Jurnal AbdiMU CONSEN: Indonesian Journal of Community Services and Engagement
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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Journal : Jurnal Dimamu

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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.
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).
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.
Co-Authors Abdullah Sani Aditya, Fajar Aditya Fatimah, Rista Amelia Hendriyanto Hendriyanto Judijanto, Loso Kamali, Ahmad Nurkamali M. Ridlwan Hambali Maharani, Indah Maharani Yanthiani, Lenny Yuni Mayanti