Article Per Year (5 Year)
p-Index From 2020 - 2025
1.497
P-Index
This Author published in this journals
All Journal Jurnal Ilmiah Mahasiswa FEB Jurnal Ekonomi & Studi Pembangunan JURNAL EKONOMI DAN BISNIS AIRLANGGA Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Performance : Jurnal Bisnis dan Akuntansi Journal of Islamic Philanthropy and Disaster Musyarakah: Journal of Sharia Economics (MJSE)
Zahara, Jihan Nabila
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

Published : 10 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 10 Documents
Search

 1 
DETERMINASI LOYALITAS PEREMPUAN MILENIAL TERHADAP PEMBELIAN KOSMETIK HALAL Zahara, Jihan Nabila
PERFORMANCE: Jurnal Bisnis & Akuntansi Vol 11 No 2 (2021): Performance:Jurnal Bisnis & Akuntansi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Wiraraja Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24929/feb.v11i2.1308

Abstract

This study aims to analyze the determination of millennial women's loyalty to the purchase of halal cosmetics. This study uses a quantitative survey approach by distributing questionnaires in the form of google form. The sampling technique used non-probability purposive sampling to collect data from a sample of 223 respondents with the criteria of millennial women born in the 1980s to 2000s, Indonesian citizens and had purchased halal cosmetics in the last 6 months. The analysis technique used in this research is Structural Equation Modeling-Partial Least Square (SEM-PLS). Based on the results of the study, it shows that of the 5 hypotheses tested, all of them are accepted, namely religiosity has a significant effect on millennial women's loyalty in purchasing halal cosmetics (H1). Then, brand image (H2), profit value (H3) and halal certification (H4) have a significant and positive effect on consumer satisfaction. The high level of satisfaction also has a positive effect on the loyalty of millennial women in buying back halal cosmetic products and recommending them to others (H5). This discovery has significant implications that can help producers and distributors develop business strategies, especially halal cosmetic products.
DIGITAL WALLET TRANSACTIONS: INSIGHT FROM ISLAMIC ECONOMIC AND LEGAL PERSPECTIVE Munifatussaidah, Asma; Zahara, Jihan Nabila; Zein, Fuad
Jurnal Ekonomi dan Bisnis Airlangga Vol. 34 No. 2 (2024): JURNAL EKONOMI DAN BISNIS AIRLANGGA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jeba.V34I22024.301-317

Abstract

Introduction: This paper aims to analyze the contemporary problems surrounding digital wallet transactions from the perspective of Islamic economic law and discuss sharia compliance in the issuance and use of digital wallets, the validity of top-up transactions, and the permissibility of benefits such as cashback within the framework of Islamic jurisprudence. Methods: This paper uses library research methods to collect, explain and analyze data related to digital wallet transactions in the context of Islamic economic law. This has been done using a normative approach and Islamic economic law, supported by descriptive analysis of the previous research, fatwas from the Indonesian Ulema Council (DSN-MUI), and related regulations from Bank Indonesia. Results: The result of this discussion is that Islamic principles allow financial transactions as long as they do not involve prohibited elements such as usury, uncertainty (gharar), maysir, and israf. Digital wallets can fulfill Islamic principles if they comply with the regulations set by Islamic law. Conclusion and suggestion: The DSN-MUI fatwa provides guidance on the use of electronic money in accordance with sharia, ensuring that digital wallet transactions are in line with Islamic legal and ethical standards. Digital wallet transactions can use various contracts, such as wadiah and qardh contracts, although there are differences of opinion among scholars regarding their validity. The compliance of digital wallets with sharia must differentiate between conventional electronic wallets and electronic wallets that comply with Sharia.
Driving regional economy: Digital technology adoption's role for effective distribution of islamic social finance in Indonesia Munifatussaidah, Asma; Zahara, Jihan Nabila; Resiana, Rani Surya; Ningsih, Lita Ayudha
Jurnal Ekonomi & Studi Pembangunan Vol. 25 No. 2: October 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.v25i2.23838

Abstract

Indonesia holds significant potential in leveraging the vast collection of Islamic social funds. Amid the widespread digital transformation within financial institutions, it is critical to examine the impact of the adoption of digital technology in affecting the distribution of Islamic social finance and its subsequent impact on regional economic development in Indonesia. The research utilized data from 21 provinces in Indonesia to construct a regression model that investigates and evaluates the performance of Islamic social fund distribution concerning regional economic growth. This study integrates a moderation effect model to assess the impact of digital adoption on this relationship. Grouped regression models were used to investigate further regional variations, with robustness checks conducted across different fundraising levels. The findings reveal a significant influence of Islamic social fund distribution on regional economic development, with digital adoption—measured by access to and use of digital technology—acting as a considerable moderator. Further heterogeneity analysis reveals that provinces with lower GINI coefficients experience a more pronounced dampening effect of Islamic social fund distribution on regional economic development, moderated by the extent of digital adoption. This research offers new insights into the relationships between Islamic social fund distribution and digital adoption (ICT) in regional economic development, providing strategic implications for philanthropic institutions and policymakers considering Islamic social fund management.
Manajemen Pengelolaan Sumber Daya Insani (SDI) di Lembaga Zakat Infaq dan Shadaqah Muhammadiyah (LAZISMU) Ponorogo Rois, Adib Khusnul; Zahara, Jihan Nabila; Irsyaadullah, Ahnaf Nabil
Musyarakah: Journal of Sharia Economic (MJSE) Vol 5, No 1 (2025): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v5i1.11827

Abstract

This study discusses Human Resources in LAZISMU Ponorogo with professional system management. The background of this study is that Human Resources are the most important part of an institution and organization, Human Resources are a crucial aspect in the success of managing zakat, infak, shodaqoh and waqf (ZISWAF) by the LAZISMU Ponorogo zakat institution. The research method in this study is qualitative descriptive analysis. By explaining the phenomena that occur in the zakat institution (LAZ). Data were collected through interviews, observations, and documentation from directors and employees at LAZISMU Ponorogo. The results of the study indicate that Human Resources in LAZISMU Ponorogo can have good abilities, professional in work that has Knowledge and Skills, Communication and Interpersonal Skills, Character Excellence, Human Resource Development, Management and Leadership. The programs implemented in LAZISMU Ponorogo to improve SDI are as follows: 1. Providing Education on SDI, 2. Economic Empowerment in LAZISMU Ponorogo, 3. Social Empowerment in LAZISMU Ponorogo, 4. Community Empowerment in LAZISMU Ponorogo, 5. Improving Digital Skills in LAZISMU Ponorogo.
Driving regional economy: Digital technology adoption's role for effective distribution of islamic social finance in Indonesia Munifatussaidah, Asma; Zahara, Jihan Nabila; Resiana, Rani Surya; Ningsih, Lita Ayudha
Jurnal Ekonomi & Studi Pembangunan Vol. 25 No. 2: October 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.v25i2.23838

Abstract

Indonesia holds significant potential in leveraging the vast collection of Islamic social funds. Amid the widespread digital transformation within financial institutions, it is critical to examine the impact of the adoption of digital technology in affecting the distribution of Islamic social finance and its subsequent impact on regional economic development in Indonesia. The research utilized data from 21 provinces in Indonesia to construct a regression model that investigates and evaluates the performance of Islamic social fund distribution concerning regional economic growth. This study integrates a moderation effect model to assess the impact of digital adoption on this relationship. Grouped regression models were used to investigate further regional variations, with robustness checks conducted across different fundraising levels. The findings reveal a significant influence of Islamic social fund distribution on regional economic development, with digital adoption—measured by access to and use of digital technology—acting as a considerable moderator. Further heterogeneity analysis reveals that provinces with lower GINI coefficients experience a more pronounced dampening effect of Islamic social fund distribution on regional economic development, moderated by the extent of digital adoption. This research offers new insights into the relationships between Islamic social fund distribution and digital adoption (ICT) in regional economic development, providing strategic implications for philanthropic institutions and policymakers considering Islamic social fund management.
IKHTIAR PEMBERDAYAAN PENYANDANG DISABILITAS MENTAL (DOWN SYNDROME) MELALUI PROGRAM DANA SOSIAL (Studi di Desa Karangpatihan, Kabupaten Ponorogo, Jawa Timur) Zahara, Jihan Nabila
Jurnal Ilmiah Mahasiswa FEB Vol. 7 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

Abstract

Secara konvensional pemberdayaan diperuntukkan bagi masyarakat miskin dengan tujuan mengurangi kesenjangan masyarakat. Padahal pemberdayaan tidak hanya untuk masyarakat miskin namun juga masyarakat yang termarginalkan salah satunya para penyandang disabilitas. Salah satu desa di Kabupaten Ponorogo bernama Desa Karangpatihan memberdayakan warganya yang menderita down syndrome atau disabilitas mental melalui Program Dana Sosial. Sebuah program pemberdayaan inklusif yang mencoba memberdayakan diri mereka sendiri meskipun kondisi keterbatasan secara fisik maupun finansial melalui implementasi instrumen sedekah. Maka dari itu, penelitian ini ingin melihat bagaimana ikhtiar pemberdayaan penyandang disabilitas mental (down syndrome) melalui program dana sosial di Desa Karangpatihan. Metode yang digunakan dalam penelitian adalah metode kualitatif fenomenologi. Hasil penelitian menemukan bahwa ikhtiar pemberdayaan telah berjalan melalui 4 langkah yaitu sosialisasi, pengumpulan dana, penyaluran dana, pelaporan dan evaluasi Kata kunci: Pemberda
Manajemen Pengelolaan Sumber Daya Insani (SDI) di Lembaga Zakat Infaq dan Shadaqah Muhammadiyah (LAZISMU) Ponorogo Rois, Adib Khusnul; Zahara, Jihan Nabila; Irsyaadullah, Ahnaf Nabil
Musyarakah: Journal of Sharia Economic (MJSE) Vol 5, No 1 (2025): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v5i1.11827

Abstract

This study discusses Human Resources in LAZISMU Ponorogo with professional system management. The background of this study is that Human Resources are the most important part of an institution and organization, Human Resources are a crucial aspect in the success of managing zakat, infak, shodaqoh and waqf (ZISWAF) by the LAZISMU Ponorogo zakat institution. The research method in this study is qualitative descriptive analysis. By explaining the phenomena that occur in the zakat institution (LAZ). Data were collected through interviews, observations, and documentation from directors and employees at LAZISMU Ponorogo. The results of the study indicate that Human Resources in LAZISMU Ponorogo can have good abilities, professional in work that has Knowledge and Skills, Communication and Interpersonal Skills, Character Excellence, Human Resource Development, Management and Leadership. The programs implemented in LAZISMU Ponorogo to improve SDI are as follows: 1. Providing Education on SDI, 2. Economic Empowerment in LAZISMU Ponorogo, 3. Social Empowerment in LAZISMU Ponorogo, 4. Community Empowerment in LAZISMU Ponorogo, 5. Improving Digital Skills in LAZISMU Ponorogo.
How Does Global Economic Policy Uncertainty And Macroeconomics Interact With Sovereign Retail Sukuk Yield? Evidence From Indonesia Idham Chalid, Fitria; Zubaidah, Siti; Zahara, Jihan Nabila
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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

Abstract

This study aims to analyze empirically the effect of macroeconomics variable, and uncertainty of global economic policies on the yield of sovereign retail sukuk in the short term. Sampling of Retail Sukuk Series 010 (SR010) uses purposive sampling method by considering that SR010 is the sukuk with the lowest yield and volume of issuance during the previous three years and the previous two years. Data analysis used in this study using ARDL-ECM after going through the stationarity test and cointegration test. The results show that in the long term inflation and exchange rate variables have a significant influence on the yield of retail sukuk SR010, while the variables for profit sharing on mudharabah deposits and global policy uncertainty have no significant effect on the yield of retail sukuk SR010. On the other hand, in the short term, the variable for profit sharing on mudharabah deposits in the previous period and significant uncertainty over the policies of the previous period, which affected the yield of retail sukuk SR010, had no effect on inflation and exchange rates. These empirical findings are expected to be a reference for investors to make decisions in choosing SUKRI as their investment portfolio, as well as a consideration for the government in macro policies in Indonesia
Riba-Free Financial Empowerment for Muslim Women: A Path to Sustainable Independence Zahara, Jihan Nabila; Futaqi, Faruq Ahmad; Chalid, Fitria Idham
Journal of Islamic Philanthropy and Disaster (JOIPAD) Vol. 5 No. 2 (2025): June-December 2025
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/joipad.v5i2.12227

Abstract

Introduction: This study analyzes the implementation of BankZiska Ponorogo’s women’s empowerment program through riba-free financing aimed at eliminating riba practices and promoting sustainable economic independence. Research Methods: Using a qualitative explanatory case study, data were collected through interviews, observation, and documentation involving BankZiska’s directors, managers, volunteers, and female beneficiaries. Results: The Al-Qardhul Hasan-based financing provides interest-free, collateral-free capital for women micro-entrepreneurs excluded from formal finance. It improves their income, business stability, and spiritual awareness through mentoring and Islamic financial education, fostering greater confidence and independence. Conclusion: BankZiska’s riba-free model effectively empowers women and promotes inclusive, ethical, and sustainable economic growth. It demonstrates that Islamic social finance can advance financial inclusion, poverty reduction, and gender equality in line with the SDGs.
ISLAMIC SOCIAL ENTREPRENEURSHIP IN REALIZING SOCIAL INCLUSION FOR PEOPLE WITH INTELLECTUAL DISABILITIES Zahara, Jihan Nabila; Ryandono, Muhamad Nafik Hadi; Munifatussaidah, Asma
Jurnal Ekonomi dan Bisnis Airlangga Vol. 35 No. 2 (2025): JURNAL EKONOMI DAN BISNIS AIRLANGGA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jeba.V35I22025.370-384

Abstract

Introduction: People with intellectual disabilities often face systemic barriers that limit their access to education, employment, and meaningful social participation. This study addresses the limited social and economic inclusion of people with intellectual disabilities, a group often marginalized and stigmatized in rural Indonesia. It examines how Islamic Social Entrepreneurship can serve as a model for empowerment to promote social inclusion in Karangpatihan Village, Ponorogo Regency. Methods: This research uses a qualitative explanatory case study; data were collected through interviews, observation, and documentation, and analyzed with pattern matching. Results: The findings reveal that Rumah Harapan Mulya’s empowerment program, through training in doormat and ciprat batik, integrates social entrepreneurship, business skills, and Islamic values “SAFTI” (Siddiq, Amanah, Fathanah, Tabligh, Istiqamah) in line with the maqasid al-Syariah (principles of Sharia). This integration enhances social recognition, participation, and economic contribution while reducing stigma against people with disabilities. Despite challenges in communication and financial management, the initiative successfully creates an inclusive and equitable environment. Conclusion and suggestion: Theoretically, this research contributes to the development of Islamic entrepreneurship studies by introducing Islamic Social Entrepreneurship as a sustainable and replicable empowerment framework. Practically, it offers insights for policymakers and social institutions on designing disability-inclusive empowerment programs.
Co-Authors Adib Khusnul Rois, Adib Khusnul Fitria Idham Chalid Futaqi, Faruq Ahmad Idham Chalid, Fitria Irsyaadullah, Ahnaf Nabil Muhamad Nafik Hadi Ryandono, Muhamad Nafik Munifatussaidah, Asma Ningsih, Lita Ayudha Resiana, Rani Surya Siti Zubaidah Zein, Fuad