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All Journal Tasyri' : Jurnal Muamalah dan Ekonomi Syariah Syaikhuna: Jurnal Pendidikan dan Pranata Islam STAI Syaichona Moh. Cholil Bangkalan
Peni Haryanti
Universitas Hasyim Asy’ari Tebuireng Jombang, Indonesia
Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Persepsi Risiko sebagai Mediator Literasi Keuangan Syariah dan Norma Subjektif terhadap Minat Pinjaman Online pada Mahasiswa Lutfia sobaroh; Peni Haryanti; Kusnul CiptanilaYuniK; Anita Musfiroh
Tasyri' : Jurnal Muamalah dan Ekonomi Syariah Vol. 8 No. 2 (2026): TASYRI’: Jurnal Muamalah dan Ekonomi Syari’ah
Publisher : Fakultas Hukum dan Ekonomi Syariah Institut Agama Islam Pangeran Dharma Kusuma Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55656/tjmes.v8i2.674

Abstract

The development of financial technology (fintech) in Indonesia has driven a significant increase in the use of online lending services, including among university students. As a group in the transition phase toward financial independence, students often turn to online loans as a solution for urgent needs. However, the use of these services must be balanced with a financial understanding grounded in Sharia principles, consideration of the social environment, and awareness of the inherent risks. This study aims to analyze the influence of Sharia financial literacy and subjective norms on the interest in using online loans among students in the Sharia Economic Law, Islamic Economics, and Family Law programs at Hasyim Asy'ari University in Jombang, both directly and indirectly through risk perception as a mediating variable. This study employs a quantitative causal-associative approach using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method. Data collection was conducted by distributing questionnaires to 97 active students selected using purposive sampling based on the Slovin formula. The results of the study indicate that Islamic financial literacy and subjective norms have a positive and significant effect on interest in online loans, whereas risk perception has a negative and significant effect on interest in online loans. However, risk perception was not found to mediate the influence of Islamic financial literacy or subjective norms on interest in online loans among students at Hasyim Asy'ari University. 
Pengaruh Label Halal dan Media Sosial Terhadap Keputusan Pembelian Skincare dengan Religiusitas Sebagai Variabel Moderasi AzzaidaNaura Amalia; Imam Sopingi; Peni Haryanti; Athi’ Hidayati
Tasyri' : Jurnal Muamalah dan Ekonomi Syariah Vol. 8 No. 2 (2026): TASYRI’: Jurnal Muamalah dan Ekonomi Syari’ah
Publisher : Fakultas Hukum dan Ekonomi Syariah Institut Agama Islam Pangeran Dharma Kusuma Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55656/tjmes.v8i2.687

Abstract

The increasing use of skincare products among university students has made halal labels and social media important factors in purchasing decisions. In addition, consumers' religiosity is assumed to influence the relationship between these factors and purchasing decisions. This study aims to analyze the influence of halal labels and social media on skincare purchasing decisions and the role of religiosity as a moderating variable among students of Universitas Hasyim Asy'ari Tebuireng Jombang. This research employed a quantitative approach using an inferential method through questionnaires distributed to students who use skincare products. The collected data were analyzed using the Structural Equation Modeling–Partial Least Square (SEM-PLS) method. The results indicate that halal labels and social media influence students' skincare purchasing decisions. Halal labels increase consumers' confidence in selecting products that comply with Islamic values, while social media serves as an important source of information that shapes perceptions and purchase intentions. The study also found that religiosity strengthens the influence of halal labels on purchasing decisions but weakens the influence of social media on purchasing decisions. These findings imply that highly religious consumers tend to prioritize halal aspects over information obtained from social media when making purchasing decisions
Micro-Liquidity Governance in Islamic Microfinance: Balancing Mission Tension and Structural Constraints Siti As'adah; Peni Haryanti
Syaikhuna: Jurnal Pendidikan dan Pranata Islam Vol 17 No 02 (2026): October
Publisher : STAI Syaichona Moh. Cholil Bangkalan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62730/syaikhuna.v17i2.7893

Abstract

This study examines the heterogeneity of liquidity risk management practices among Indonesian Islamic microfinance institutions (Baitul Maal wat Tamwil, BMT), addressing a critical gap in understanding how Sharia-compliant governance operates under structural constraints. While prior research has explored credit risk and financial performance, it has systematically under-examined the fidelity of liquidity instrument implementation and the tension between the social and prudential missions. Employing a qualitative multiple case study design with taxonomic and configurational analysis, this research investigates seven purposively sampled BMTs in Sleman Regency, stratified by asset size and market orientation. The study collected data through semi-structured interviews, documentary analysis of standard operating procedures (SOPs), and audited financial statements for fiscal year 2025/2026, then benchmarked them against national regulations and Basel Committee principles. The findings reveal that only three of seven BMTs maintain formal liquidity SOPs. Cash ratios range from 8.26% to 79.50%, quick ratios from 99.56% to 271.70%, and current ratios from 104.18% to 285.60%, indicating substantial inter-institutional variation and robust accounting consistency across liquidity tiers. SOP adoption correlates positively with asset growth, as evidenced by a market-oriented BMT achieving IDR 24.85 billion in assets. Nevertheless, this relationship remains non-deterministic because external cooperative networks and donor capital functionally substitute for formal procedures. No sampled BMT fully satisfies international best practices, particularly in stress testing and contingency funding plans. The study concludes by proposing a Micro-Liquidity Governance model that reframes liquidity management as a configurational problem, offering a theoretical framework for navigating constraint-driven instrument selection, mission-prudential tension, and regulatory duality. These findings provide actionable insights for tiered regulatory frameworks and capacity-building policies in Islamic microfinance.
Co-Authors Anita Musfiroh Athi’ Hidayati AzzaidaNaura Amalia Imam Sopingi Kusnul CiptanilaYuniK Lutfia sobaroh Siti As'adah