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Peranan LAZISNU Sidoarjo dalam Meningkatkan Kesejahteraan Ekonomi Masyarakat di Kabupaten Sidoarjo Faruq, Muhammad Al; Masduqie, Muhammad Hamdan Ali; Julaihah, Umi
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 3 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i3.3905

Kesejahteraan ekonomi masyarakat di Indonesia dapat dibilang masih sangat rendah. Menurut Badan Pusat Statistik (BPS), data rata-rata rumah tangga miskin di Indonesia mencapai 4,74 orang. Dan di provinsi Jawa Timur, data rata-rata rumah tangga miskin berada di posisi urutan pertama mencapai 4,181 juta orang. Sedangkan mayoritas penduduk di Indonesia adalah beragama Islam. Badan Amil Zakat Nasional (BAZNAS) memberikan perkiraan jika di Indonesia, potensi dari Zakat, Infak, Sedekah dan Wakaf (ZISWAF) telah mencapai lebih dari 500 triliun rupiah. Bahkan kurun waktu 5 tahun ke depan diharapkan dapat memperoleh jumlah ZISWAF sebesar 50-60 triliun rupiah melalui kerjasama dengan Bank Syariah Indonesia (BSI). Tujuan dari penelitian ini adalah untuk menjawab rumusan masalah yakni bagaimana peranan LAZISNU Sidoarjo dalam meningkatkan kesejahteraan ekonomi masyarakat di Kabupaten Sidoajo. Metode penelitian yang digunakan pada penelitian ini yakni pendekatan kualitatif. Teknik pengumpulan data pada penelitian ini didapatkan melalui observasi, wawancara dan dokumentasi. Observasi dilakukan untuk mengetahui gambaran umum dan situasi atau kondisi lapangan pada lembaga filantropi tersebut. Wawancara dilakukan dengan teknik triangulasi sumber untuk memperoleh keabsahan data melalui pengurus LAZISNU Sidoarjo dan mustahik atau penerima bantuan dari program penyaluran Zakat, Infaq dan Shadaqah (ZIS) yang telah diterapkan. Pada penelitian ini, teknik analisis data didapatkan melalui reduksi data, penyajian data serta verifikasi data. Dalam penelitian ini, memiliki hasil yaitu dengan adanya program bantuan yang bersifat konsumtif maupun produktif, mustahik merasa sangat senang dan bahagia. Sebab dari dana maupun modal yang didapatkan tersebut mampu membantu mustahik dalam memenuhi kebutuhan hidup dan pengembangan usaha yang akan dan telah berlangsung selama itu. Keberhasilan tersebut juga tak terlepas dari mekanisme pengelolaan ZIS yang telah diimplementasikan oleh LAZISNU Sidoarjo meliputi perencanaan, pengorganisasian, pelaksanaan dan pengawasan. Sehingga Peranan LAZISNU Sidoarjo dalam Meningkatkan Kesejahteraan Ekonomi Masyarakat di Kabupaten Sidoarjo telah berjalan secara efektif dan efisien. Kata kunci: Peranan, LAZISNU, Zakat Infaq Shadaqah (ZIS), Kesejahteraan Ekonomi

Analisis Tingkat Literasi Keuangan Guru Dan Persepsinya Terhadap Pendidikan Literasi Keuangan : Studi Kasus Di RA 04 Cempaka Putih Kota Batu firdiansyah, yhadi; Julaihah, Umi; Fitriah, Nurlaeli
Jurnal Penelitian dan Pendidikan IPS Vol. 18 No. 2 (2024): Oktober
Publisher : Direktorat Pascasarjana Universitas PGRI Kanjuruhan Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21067/jppi.v18i2.10839

This study aims to analyze the level of financial literacy and teachers' perceptions of financial literacy education. This study uses a descriptive quantitative approach, this study involved 11 teachers as respondents. Data were collected through a questionnaire adopted from the developed instrument. The results of the study indicate that the level of financial literacy of teachers is quite good. The majority of teachers understand the importance of insurance for future protection and carry out regular savings activities. However, it was found that teachers lack confidence in comparing prices when making transactions. Regarding perceptions of financial literacy education, teachers generally agree that financial literacy learning is important to be taught from an early age and can have a significant impact on the quality of life in the future. This study also revealed that teachers want a curriculum that accommodates financial literacy learning for early childhood, and emphasizes the importance of cooperation between teachers, schools, and parents in developing children's financial literacy skills. In conclusion, although the level of financial literacy of teachers is quite good, improvements are still needed in several aspects, especially in the ability to compare prices. In addition, a more comprehensive curriculum is needed to support financial literacy education from an early age

GENERATION Z CONSUMPTIVE ONLINE BEHAVIOR PATTERNS BASED ON CONSUMPTION THEORY IN AN ISLAMIC ECONOMIC PERSPECTIVE Pradanimas, Aqilla; Masyhuri, Masyhuri; Julaihah, Umi
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 1 (2024): IJEBAR : Vol. 8, Issue 1, March 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i1.13219

This research delves into the online consumptive behaviour of Generation Z in Parangjoro Village, exploring it through the lens of Islamic economics. While Islamic teachings emphasize the importance of adhering to ethical consumption practices, the study reveals that the online shopping habits of Generation Z in Parangjoro are not fully aligned with these principles. The inclination to purchase based on desires rather than needs, coupled with a lack of consideration for product quality, underscores the existing gap between Islamic teachings and consumer practices. Factors such as convenience, affordability, and a wide array of choices in online stores significantly influence their behaviour. The impact of this consumptive behaviour manifests in social envy, financial strain, and a diminishing interest in savings. This conclusion highlights the urgency of addressing this misalignment by promoting Islamic economic education, awareness campaigns on mindful consumption, financial management training, and active involvement of parents and society in guiding Generation Z towards more conscientious and Islamically-aligned consumption practices. The findings contribute to the ongoing discourse on harmonizing contemporary consumer behaviour with the principles of Islamic economics.

The Effect of Self-Efficacy and Peers on Student Time Management Skills Syidad, Ahmad Wildan; Julaihah, Umi
Jurnal Psikologi Teori dan Terapan Vol. 16 No. 01 (2025): Jurnal Psikologi Teori dan Terapan
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jptt.v16n01.p57-68

Background: Students living in the Ma'had environment must face challenges in determining the scale of priorities due to the density of academic, religious and social activities. Therefore, time management skills are needed to overcome this. Objective: This study aims to analyze the influence of self-efficacy and peers on the time management skills of Mahasantri. Method: This study uses a quantitative approach with the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method to analyze data from 278 respondents selected using the simple random sampling technique. Results: The results of the study showed that self-efficacy has a significant and dominant influence on time management skills, while peers have a positive but weaker influence. In addition, self-efficacy also acts as a mediator that strengthens the relationship between peers and time management. Conclusion: This study shows that individuals with high levels of self-efficacy are more able to manage time effectively. The implication of this study is the importance of improving students' self-efficacy through mastery experience programs and group guidance to strengthen social support from peers. Keywords: Mahasantri; peers; self-efficacy; time management. Abstrak Latar Belakang: Mahasantri yang tinggal di lingkungan Ma’had harus menghadapi tantangan dalam menentukan skala prioritas akibat padatnya aktivitas akademik, keagamaan, dan sosial. Oleh karena itu dibutuhkan keterampilan manajemen waktu dalam mengatasi hal tersebut. Tujuan: Penelitian ini bertujuan untuk menganalisis pengaruh self-efficacy dan teman sebaya terhadap keterampilan manajemen waktu Mahasantri. Metode: Penelitian ini menggunakan pendekatan kuantitatif dengan metode Structural Equation Modeling-Partial Least Squares (SEM-PLS) untuk menganalisis data dari 278 responden yang dipilih menggunakan teknik simple random sampling. Hasil: Hasil penelitian menunjukkan bahwa self-efficacy memiliki pengaruh signifikan dan dominan terhadap keterampilan manajemen waktu, sedangkan teman sebaya memberikan pengaruh positif tetapi lebih lemah. Selain itu, self-efficacy juga berperan sebagai mediator yang memperkuat hubungan antara teman sebaya dan manajemen waktu. Simpulan: Studi ini menunjukkan bahwa individu dengan tingkat efikasi diri yang tinggi lebih mampu mengelola waktu secara efektif. Implikasi dari penelitian ini adalah pentingnya meningkatkan efikasi diri siswa melalui program pengalaman penguasaan dan bimbingan kelompok untuk memperkuat dukungan sosial dari teman sebaya. Kata Kunci: Efikasi diri; mahasantri; manajemen waktu; teman sebaya.

Kajian Makanan Halal dan Industri Fashion dalam Tinjauan Konsumsi Islam Pranata, Ahmad Adi; Masyhuri, Masyhuri; Julaihah, Umi; Asnawi, Nur; Meldona, Meldona
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 10 No 1 (2025): Dialektika: Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36636/dialektika.v10i1.4670

The demand for halal products is rising in the globalization era, covering food, beverages, and fashion, driven by the growth of the global Muslim population and awareness of consumption aligned with Islamic principles. This study aims to understand Muslim consumers’ perceptions and preferences towards halal products, explore producers' challenges in maintaining halal standards, and evaluate the role of halal certification in building consumer trust. A qualitative approach with a case study method was applied. Data were gathered through in-depth interviews with key informants, including PCNU administrators in Malang City, Muslim consumers, and halal food producers, alongside participatory observation and document analysis. Thematic and interactive analysis methods were employed. Findings reveal that cleanliness, taste quality, and adherence to halal standards are primary consumer considerations, while producers face challenges in maintaining halal compliance throughout the supply chain. Halal certification enhances product competitiveness and consumer trust. This study recommends SME education and mentoring to support halal industry growth.

Analysis of Ease of Use and Perceived Risk on Online Purchase Decisions Through Trust as a Mediating Variable in the Perspective of Islamic Economics Novianti, Irohdathul; Julaihah, Umi
Jurnal Penelitian Ekonomi dan Bisnis Vol. 10 No. 2 (2025): September 2025
Publisher : Universitas Dian Nuswantoro Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jpeb.v10i2.11965

The rapid growth of e-commerce has transformed consumer behavior, enabling seamless online transactions. However, perceived risks, such as product uncertainty and fraud, hinder consumer trust. This study examines the effects of ease of use and perceived risk on online purchase decisions, mediated by trust, within the Islamic economic framework. Using a quantitative approach, data were collected from 163 Muslim respondents in Malang City through structured questionnaires. Structural Equation Modeling-Partial Least Squares (SEM-PLS) was utilized for data analysis.The findings reveal that ease of use significantly enhances both trust and purchase decisions, while perceived risks negatively impact trust but influence purchase decisions positively when mediated by trust. Trust plays a critical role in bridging ease of use and perceived risk with purchase decisions. From the Islamic economic perspective, the principles of honesty, transparency, and fairness bolster consumer trust and mitigate risks in online transactions. This study highlights the importance of designing user-friendly e-commerce platforms, ensuring secure transactions, and embedding Islamic ethical principles to foster consumer trust and improve purchase decisions. Future research may explore broader contexts and delve deeper into cultural and religious influences on consumer behavior in e-commerce.

The Impact of FoMO and Socioeconomic Status on Gen-Z Female Islamic Students’ Branded Goods Purchases: Religiosity as Moderator Az Zahra, Saffanah; Julaihah, Umi
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

This study aims to examine the influence of fear of missing out (FoMO) and socioeconomic status on purchasing decisions for branded goods among Generation Z female students, with religiosity as a moderating variable. The research was conducted at Al-Izzah International Boarding School in Batu, East Java, Indonesia. Considering that adolescents in this environment face unique challenges balancing modern consumer culture with religious values. Data were collected through a questionnaire distributed to 204 students, with 165 valid responses analyzed. The study employed Structural Equation Modeling-Partial Least Squares (SEM-PLS) using SmartPLS 4.0 to test the proposed hypotheses. The result reveal that FoMO and socioeconomic status significantly and positively affect purchasing decisions, while religiosity does not moderate the relationship between FoMO and purchasing decisions. However, religiosity significantly moderates the relationship between socioeconomic status and purchasing decisions. These findings imply that psychological and economic factors play an essential role in shaping students’ buying behavior, while religiosity can strengthen or weaken the influence of socioeconomic status in consumption contexts. This study provides practical insights for educators and marketers to design costumer education programs and marketing strategies that consider the role of religiosity and peer influence in shaping purchasing behavior among young Muslim consumers

Pengaruh Zakat terhadap Variabel Makroekonomi: Pendekatan VECM Ja'far, Achmad Mu'afi; Suprayitno, Eko; Julaihah, Umi; Maulida, Nabila Adenina Zidni
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 10 No 2 (2025): Dialektika: Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36636/dialektika.v10i2.7274

Indonesia's economic growth has not fully translated into an increase in inclusive welfare, because the growth of the economy in the first quarter of 2024 was offset by millions of people who are still below the poverty line and experience limited access to education, health, and decent living standards. This study aims to analyze the causal and cointegration relationships between zakat, economic growth, Human Development Index (HDI), and poverty in Indonesia. Using annual data from 2013 to 2023, this study applies the Vector Error Correction Model (VECM) approach, including stationarity tests, optimal lag determination, Johansen cointegration test, Granger causality. The results indicate the existence of long-term relationships among the variables, with zakat exerting a significant influence on reducing poverty and improving HDI. However, the influence of zakat on economic growth is relatively insignificant. This research contributes to the Islamic economics literature and provides a strategic policy foundation for optimizing national zakat management.

GENERATION Z CONSUMPTIVE ONLINE BEHAVIOR PATTERNS BASED ON CONSUMPTION THEORY IN AN ISLAMIC ECONOMIC PERSPECTIVE Pradanimas, Aqilla; Masyhuri, Masyhuri; Julaihah, Umi
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 1 (2024): IJEBAR : Vol. 8, Issue 1, March 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i1.13219

This research delves into the online consumptive behaviour of Generation Z in Parangjoro Village, exploring it through the lens of Islamic economics. While Islamic teachings emphasize the importance of adhering to ethical consumption practices, the study reveals that the online shopping habits of Generation Z in Parangjoro are not fully aligned with these principles. The inclination to purchase based on desires rather than needs, coupled with a lack of consideration for product quality, underscores the existing gap between Islamic teachings and consumer practices. Factors such as convenience, affordability, and a wide array of choices in online stores significantly influence their behaviour. The impact of this consumptive behaviour manifests in social envy, financial strain, and a diminishing interest in savings. This conclusion highlights the urgency of addressing this misalignment by promoting Islamic economic education, awareness campaigns on mindful consumption, financial management training, and active involvement of parents and society in guiding Generation Z towards more conscientious and Islamically-aligned consumption practices. The findings contribute to the ongoing discourse on harmonizing contemporary consumer behaviour with the principles of Islamic economics.

FoMO-Driven Consumptive Lifestyle in Fashion: A Maslahah Perspective Among Female Students Annisya, Lusy; Julaihah, Umi; Asnawi, Nur; Meldona, Meldona
Jurnal Psikologi Teori dan Terapan Vol. 16 No. 03 (2025): Jurnal Psikologi Teori dan Terapan
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jptt.v16n03.p309-318

Background: The Fear of Missing Out (FoMO) phenomenon has contributed to the rise of a consumptive lifestyle among female college students, particularly in fashion. Objective: This study aims to analyze how social media, economic conditions, brand credibility, and accessibility influence students’ consumerist behavior and how the Islamic concept of maslahah can guide consumption control. Method: A qualitative method was employed through in-depth interviews with twelve hijabi students from a state university in Malang. Thematic analysis followed Braun & Clarke’s framework with ethical clearance, member checking to ensure data validity. Results: Social media plays a significant role in creating social pressure to follow trends, but spiritual values and economic considerations act as balancing factors in consumption decisions. The ease of access to shopping and brand image further reinforce consumerist behavior, but people who incorporate the principle of maslahah could limit extravagant lifestyles. Conclusion: The study confirms the role of religious and psychological values in fashion consumption, as well as the importance of Islamic consumption education and financial literacy in higher education to shape balanced consumptive behavior. Abstrak Latar Belakang: Fenomena Fear of Missing Out (FoMO) telah berkontribusi pada meningkatnya gaya hidup konsumtif di kalangan mahasiswi perguruan tinggi, terutama dalam bidang fashion. Tujuan: Studi ini bertujuan untuk menganalisis bagaimana media sosial, kondisi ekonomi, kredibilitas merek, dan aksesibilitas memengaruhi perilaku konsumtif mahasiswa, serta bagaimana konsep Islam tentang maslahah dapat menjadi panduan dalam mengontrol konsumsi. Metode: Metode kualitatif digunakan melalui wawancara mendalam dengan dua belas mahasiswi berhijab dari universitas negeri di Malang. Analisis tematik mengikuti kerangka kerja Braun & Clarke dengan persetujuan etis dan verifikasi anggota untuk memastikan validitas data. Hasil: Media sosial memainkan peran penting dalam menciptakan tekanan sosial untuk mengikuti tren, namun nilai spiritual dan pertimbangan ekonomi menjadi faktor penyeimbang dalam pengambilan keputusan konsumsi. Kemudahan akses belanja dan citra merek turut memperkuat perilaku konsumtif, tetapi penanaman prinsip maslahah dapat membatasi gaya hidup boros. Simpulan: Studi menegaskan peran nilai religius dan psikologis dalam konsumsi fashion, serta pentingnya edukasi konsumsi Islami dan literasi keuangan di perguruan tinggi untuk membentuk perilaku konsumtif yang seimbang.

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