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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

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

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

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

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

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.

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