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Fitri Nur Latifah
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INDONESIA
Perisai : Islamic Banking and Finance Journal
Published by Universitas Muhammadiyah Sidoarjo
ISSN : 25033077     EISSN : 25033077     DOI : https://doi.org/10.21070/perisai
Core Subject : Economy,
Economics, Econometrics & Finance
PERISAI Journal of Islamic Banking and Finance publishes articles and short communications in Banking and Finance covers wide range of islamic studies forms such as Fiqh Muamalah, Economy, Banking, Finance, Islamic Studies and Business Model issue. Reader : Islamic Studies, society, student Author : academic, professional
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Pemasaran
Articles 7 Documents
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Search results for , issue "Vol. 9 No. 2 (2025): October" : 7 Documents clear
Determining Factors in The Interest of Using QRIS (A Case Study of MSMEs in Karanganyar Regency): Faktor-Faktor Yang Menentukan Minat Penggunaan QRIS (Studi Kasus UMKM Di Kabupaten Karanganyar) Khasanah, Dina Uswatun; Arfiansyah, Mufti Arief
Perisai : Islamic Banking and Finance Journal Vol. 9 No. 2 (2025): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i2.1785

Abstract

MSMEs or Micro, Small and Medium Enterprises have a vital role in maintaining the stability of the Indonesian economy. MSMEs as one of the merchant users of QRIS are required to continue to be creative and adapt to increasingly advanced technological advances. This study aims to examine the relationship between interest in utilizing QRIS among MSME actors in Karanganyar Regency with factors of convenience, perceived benefits, security, and knowledge. The data used consists of primary data, specifically collected through distributing questionnaires and conducting interviews with MSME owners. The research population was 95 respondents using the purposive sampling method. The analysis method in solving the problems studied and testing the hypothesis is multiple regression analysis. The data processing process uses SPSS software version 26. The research findings state that the variables of perceived benefits & knowledge have an influence on interest in using QRIS and convenience & security have no influence on the dependent variable.
Online Marketing Strategies of Thrifting Entrepreneurs in Sungai Penuh City from a Sharia Perspective: Strategi Pemasaran Online Pelaku Usaha Thrifting Di Kota Sungai Penuh dalam Persepektif Syariah Putri, Veni Rahayu; Sarmigi, Elex; Nilda, Elvi
Perisai : Islamic Banking and Finance Journal Vol. 9 No. 2 (2025): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i2.1805

Abstract

This study aims to analyze the online marketing strategies implemented by thrift business operators in Sungai Penuh City using the 7P marketing mix approach, which includes product, price, place, promotion, people, process, and physical evidence. A descriptive qualitative method was employed, with data collected through interviews, observation, and documentation involving active online thrift sellers. The findings reveal that business owners actively utilize social media platforms such as Instagram, Facebook, and Shopee as their primary marketing tools. Product strategies focus on the quality and uniqueness of items, pricing is set competitively to attract young consumers, and promotions are carried out through visual content, giveaways, and live shopping features. Distribution processes are conducted online, supported by responsive customer service and attractive packaging to enhance the shopping experience. The study also finds that most of the marketing strategies applied reflect Islamic business ethics, including honesty (shiddiq), transparency (tabligh), and fairness (al-‘adl) in transactions. Therefore, the implementation of the 7P strategy aligned with sharia values has proven effective in enhancing competitiveness and expanding the market reach of thrift businesses in the region.
Masjid Strategies in Improving Community Economy with Cooperatives (Case Study of Oman Al-Makmur Masjid): Strategi Masjid Dalam Meningkatkan Perekonomian Masyarakat Dengan Koperasi (Studi Kasus Masjid Oman Al-Makmur) Arif, Weldy; Habibi, Khairul; Juhari, Juhari
Perisai : Islamic Banking and Finance Journal Vol. 9 No. 2 (2025): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i2.1863

Abstract

This study examines the role of the Oman Al Makmur Mosque in empowering the local community's economy through a sharia-based cooperative. The research focuses on assessing two main aspects: the mosque's role as a center of economic activity and the impact of the cooperative on the welfare of its members and the surrounding environment. A qualitative descriptive method was used, with data collected through in-depth interviews, observation, and documentation. The uniqueness of this study lies in its emphasis on the role of the mosque economy and the application of Qardhul Hasan in cooperative practices, which is rarely explored. The data were analyzed thematically to discuss issues of cooperative management, the implementation of the Qardhul Hasan mechanism, as well as the challenges and opportunities faced. This study also makes a significant contribution to the discourse on Islamic-based economic empowerment and provides practical guidance for mosque managers and financial institutions in supporting community-based MSMEs. The research results show that since its establishment in October 2022, the mosque cooperative has facilitated interest-free capital for more than 130 members to start and develop micro, small, and medium enterprises (MSMEs). Bank Indonesia and BPRS Hikmah Wakilah have strengthened access to capital. This research makes an important contribution to the discourse on Islamic-based economic empowerment and offers practical guidance for mosque managers and financial institutions in supporting community-based MSMEs. The uniqueness of this study lies in the emphasis on the role of the mosque economy and the application of Qardhul Hasan in cooperative practices, which are still rarely explored.
Sharia Audit in Indonesia: Implementation, Challenges, And Future Prospects: Audit Syariah di Indonesia: Implementasi, Tantangan, dan Prospek Masa Depan Fadhlihi, Andueriganta; Yufantria, Fenni; Etika, Citra
Perisai : Islamic Banking and Finance Journal Vol. 9 No. 2 (2025): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i2.1870

Abstract

This study aims to examine how the implementation of Sharia audit is carried out in Indonesia and to identify the challenges that must be addressed for future development. This research employs a qualitative approach using a literature review method. The findings of this study indicate several issues in the development of Sharia audit in Indonesia, including weak regulations related to Sharia auditing, limited numbers and competencies of Sharia auditors, and the absence of a comprehensive Sharia audit standard. These findings highlight the need to strengthen the regulatory framework, enhance auditor competencies, and establish national Sharia audit standardization to reinforce governance, accountability, and public trust in Indonesia’s Islamic financial institutions.  
Geographic Information System (GIS) Based Zakat Distribution Model for Optimizing Efficiency and Transparency in Zakat Management: Model Distribusi Zakat Berbasis Geographic Information System (GIS) Untuk Optimalisasi Efisiensi dan Transparansi Pengelolaan Zakat Wahyudi, Muhamad; Rokhaniyah, Siti; 'Aini, Saras Shinta Qurrota; Hamdani, Rifki
Perisai : Islamic Banking and Finance Journal Vol. 9 No. 2 (2025): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i2.1874

Abstract

Zakat institutions in Indonesia still face various challenges, particularly in zakat management. One of the main issues is how to ensure zakat distribution is well-targeted, effective, and efficient. Determining the appropriate distribution areas becomes a solution in addressing zakat distribution problems. This study aims to design a web-based zakat distribution application by utilizing Geographic Information System (GIS) technology, integrated with SAGA GIS and QGIS tools, using a mixed-methods approach. Mapping of zakat recipients (mustahik) and prioritization of distribution areas were analyzed using spatial data. Meanwhile, field surveys were conducted to validate data accuracy. The study reveals that zakat distribution using geospatial technology is more effective and efficient compared to conventional methods. The developed web-based zakat distribution system application allows both zakat administrators and the public to monitor zakat distribution programs in real-time. These findings affirm that the application of geospatial technology can be a strategic solution to strengthen zakat governance based on the principles of maqashid sharia.
Determinants of Generation Z’s Interest in Using BYOND by BSI: An Empirical Study: Faktor-Faktor yang Mempengaruhi Minat Generasi Z dalam Menggunakan BYOND by BSI: Studi Empiris Azizi, Nadya Apriza; Umam, Khotibul; Fadllan, Fadllan
Perisai : Islamic Banking and Finance Journal Vol. 9 No. 2 (2025): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i2.1876

Abstract

This study aims to analyze the factors influencing Generation Z’s interest in using BYOND for BSI digital banking services, selecting ease of use, security, and service features as independent variables. The researcher used a quantitative approach, conducting a purposive survey of 120 BSI customers in Pamekasan. Data analysis used SPSS version 24 to test validity and reliability, assess classical assumptions, perform multiple linear regression, and test hypotheses. The results showed that ease of use and security had a positive, significant effect on Generation Z’s interest, while service features had no significant partial effect. The regression model explains a significant amount of variation in interest. Theoretically, this study integrates the UTAUT and TAM models in Islamic digital banking for Generation Z, highlighting service features as minimum expectations. The practical implications recommend that BSI improve its UI/UX, security, and innovative features. The limitations of this study include its local scope and low R-squared, and it offers suggestions for broader follow-up research.
The Impact of Green Banking on Profitability of Indonesia’s Islamic Commercial Banks Khoirul Umam; Alfi Khilmi Khusnia; Vina Fithriana Wibisono; Naahilah Hunafaa' Al-Qudsy
Perisai : Islamic Banking and Finance Journal Vol. 9 No. 2 (2025): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i2.1893

Abstract

The intensifying competition within the banking industry has driven institutions to adopt strategies that not only focus on profitability but also uphold sustainability values. Among these initiatives, green banking; representing a form of green investment within the Islamic financial framework; has become a key approach. This study investigates how green banking practices, and the number of ATMs affect the profitability of Islamic commercial banks in Indonesia, using Return on Assets (ROA) as the performance measure for the 2019–2024 period. Using a quantitative approach, the research applies panel data regression with a Fixed Effect Model (FEM). The results reveal that green banking practices do not have a significant impact on bank profitability. Although theory suggests a positive correlation, the empirical results reveal that its contribution to improving ROA remains unproven, likely due to its limited and long-term implementation stage. Similarly, the number of ATM units shows no significant effect and even tends to negatively affect profitability, possibly because of high operational expenses and customers’ growing shift toward digital banking services. Despite the insignificant short-term impact, the incorporation of environmentally friendly banking measures by Islamic banks represents an essential step toward incorporating environmentally responsible financing and energy efficiency. This approach holds promising potential to enhance the sustainability, reputation, and competitiveness of Islamic banks in the long term.

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