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DOES DIGITALIZATION AGGRANDIZE INCOME? THE INDONESIA FAMILY LIFE SURVEY FIFTH WAVE Imam, Muhammad Kholisul; Januari, Anas Tania
RIMA - Research In Management and Accounting Vol 4, No 2 (2021): December
Publisher : Faculty of Business, Widya Mandala Surabaya Catholic University, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33508/rima.v4i2.3547

The COVID-19 pandemic has shaken Indonesia's macroeconomy. The economic growth experienced a contraction accompanied by an increase in poverty and unemployment. On the other hand, the COVID-19 pandemic also provides an opportunity for the growth of the digital economy. Digitalization that goes well will increase economic activity due to greater accessibility. However, there has been a decline in income during the pandemic. Therefore, this research aims to learn whether digitalization can improve income levels by understanding the impact of having a cell phone and accessing the internet for economic activities towards revenues. Here, the treatment effect is conducted to estimate the magnitude of that impact and identify the factors determining digitalization (have a cell phone and access the internet for economic activities). This research uses secondary data obtained from the Indonesia family life survey fifth wave. The result shows that the income of someone who can digitize is higher than that of non-digitalization participants, indicating the digitalization significantly contributes to increased revenues. Moreover, object perception for having a cell phone and accessing the internet for economic activities supports people's interest in digitalization mainly due to happiness, subjective well-being, and marital status.

Does Religious Obedience Affect Happiness? The NU Muslims Indonesian Case Januari, Anas Tania; Imam, Muhammad Kholisul
Journal of Islamic Civilization Vol 5 No 1 (2023): Journal of Islamic Civilizatioan
Publisher : Universitas Nahdlatul Ulama Surabaya

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Happiness is one of the benchmarks of individual welfare. Currently, welfare is notonly calculated from the income but also the individual’s perspective on life. Welfareis a multi-dimensional component, and happiness is part of subjective well-being. Thisstudy aims to empirically prove the role of religious obedience on the happiness ofMuslims, especially for those closely related to Nahdlatul Ulama (NU). This researchapproach is quantitative with secondary data sources obtained from the 5th wave of theIndonesia Family Life Survey (IFLS). This study took 481 respondents which wereestimated by the logistic regression model. The results show that piety is empiricallyproven to increase the happiness of NU Muslims in Indonesia. In addition, economicfactors such as income also play a role in increasing happiness. Other result shows thatage is also determinant of happiness which display distinct functional relations (lineardecline and U-shape). While formal education in madrasa schools has no impact onhappiness. The contribution of this research is that NU institutions will focus more onactivities that can increase citizen piety.

Islamic Consumption Behavior In Realizing Family Welfare Januari, Anas Tania; Rofiq, Aunur; Khusnudin, Khusnudin
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 1 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i1.1222

Consumption in a country's economy, with higher levels of consumption causing increased economic activity and changes in a country's national income. The impact of consumption on household financial stability, with excessive spending relative to income causing personal financial problems. material and spiritual well-being in the household, is very important in balancing worldly and spiritual needs for overall well-being. This research is qualitative research with a normative approach. Obtaining secondary data in the form of data on welfare indicators which refer to the consumption behavior of Indonesian people obtained from the Central Statistics Agency in a certain period. This data is used as a reference in the importance of discussing consumption behavior, especially in the context of sharia. Meanwhile, the behavioral theory approach is used for the purposes of analyzing the goals of consumption behavior by adhering to Islamic principles to realize prioritized welfare among households. Research shows that consumption behavior in realizing the welfare of Muslim families can be seen from several indicators listed in data processed by the Central Statistics Agency. Consumption pattern indicators are influenced by income levels which reflect people's purchasing power and abilities. Meanwhile, other indicators can be seen from the quality of health and nutrition, education, housing and other social issues, such as a lifestyle that follows the times

Digital Transformation of Sharia MSMEs in Cultivating an Entrepreneurial Spirit in the Digital Economy Era Januari, Anas Tania; Nur Dwi Satrio, Sandy; Ariyanto, Yofi
AL-QARDH Vol 9 No 2 (2024): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

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Digital transformation has changed the global economic landscape, including in the Sharia-based Micro, Small and Medium Enterprises (MSME) sector. This research aims to analyze the impact of digitalization on Sharia MSMEs and their role in fostering an entrepreneurial spirit in the digital economy era. By using a qualitative approach through literature study, this research identifies the challenges faced by Sharia MSMEs in adopting digital technology and explores strategies for integrating Sharia values with technological innovation. The research results show that digitalization has a positive impact on competitiveness, operational efficiency, and increased market access for Sharia MSMEs. Even so, challenges such as low digital literacy and limited resources are still the main obstacles. The integration of modern technology such as blockchain and sharia fintech has proven to be able to increase transparency, security and business efficiency. This research also emphasizes the importance of digital literacy and institutional support in strengthening an innovative and competitive Sharia entrepreneurial spirit, while still adhering to Islamic economic principles.Keywords: Digital Economy, Digitalization of MSMEs, Entrepreneurial Spirit, Islamic Economy

PELATIHAN PROGRAM LDK (LATIHAN DASAR KEPEMIMPINAN) DALAM PEMBENTUKAN KARAKTER LEADERSHIP SANTRI DI PONDOK PESANTREN AL-HAYATUL ISLAMIYAH MALANG Januari, Anas Tania; Sakroni, Ahmad; Salsabillah, Dissy Syafira; Millenia, Mifta Berlian; Sholahudin, Nur
Ngabekti: Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 2 (2023): Ngabekti: Edisi Desember 2023
Publisher : STAI Ma'had Aly Al-Hikam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32478/ngabekti.v1i2.2045

Abstract The focus of this service is on the formation of leadership character through basic leadership training for students of Al-Hayatul Islamiyah Islamic Boarding School. This community service uses the participatory action research method. The results showed that the LDKS program which was held on Sunday, November 19, 2023 at the SMK El Hayat hall from 09.00 to 11.30 consisted of three sessions, namely leadership and organizational material delivery sessions, discussion sessions, and leadership practice sessions through fun games. The basic leadership training activities at Al-Hayatul Islamiyah Islamic Boarding School in Malang have three main benefits for students, namely shaping the skills and character of leaders, practicing problem solving, and building self-confidence. This program runs very well with the cooperation between students and support from the boarding school. Keywords: Leadership, Basic Leadership Training, Santri Abstrak Fokus pengabdian ini adalah pembentukan karakter kepemimpinan melalui latihan dasar kepemimpinan bagi santri di Pondok Pesantren Al-Hayatul Islamiyah. Pengabdian masyarakat ini menggunakan metode participatory action research (PAR). Hasil pengabdian menunjukkan bahwa acara LDK Santri yang dilaksanakan pada hari Minggu tanggal 19 November 2023 di aula SMK El Hayat pada pukul 09.00 hingga pukul 11.30 terdiri dari tiga sesi yaitu sesi penyampaian materi kepemimpinan dan organisasi, sesi diskusi, dan sesi praktik kepemimpinan melalui permainan yang menyenangkan. Kegiatan latihan dasar kepemimpinan di Pondok Pesantren Al-Hayatul Islamiyah Malang memiliki tiga manfaat utama bagi santri, yaitu membentuk kemampuan dan karakter kepemimpinan, melatih pemecahan masalah, dan membangun rasa percaya diri. Program ini berjalan dengan sangat baik berkat kerjasama antar santri dan dukungan dari pihak pesantren. Kata Kunci: Kepemimpinan, Latihan Dasar Kepemimpinan, Santri

Santriwati's role in preventing digital violence against women: The KUPI trilogy approach Mutholingah, Siti; Januari, Anas Tania; Masuwd, Mowafg
INTERNATIONAL JOURNAL OF CHILD AND GENDER STUDIES Vol 11 No 2 (2025)
Publisher : UIN Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/equality.v11i2.30382

Violence against women in the digital space was common, including digital harassment, defamation on social media, and other forms. Santriwati, as part of the women's community in pesantren, had a crucial role in addressing this issue. This study aims to analyze the role of female students in overcoming digital-based violence against women using the KUPI (Kongres Ulama Perempuan Indonesia) trilogy approach at the Al-Hikam Pesantren. This study used a qualitative approach with a case study research type. Data collection used participatory observation, interviews, and documentation. For the informant, the female guardians, the female student organization administrators, and several female students, because they were most knowledgeable about the research focus. The documents obtained included the female student organization's work program for preventing digital-based violence against women. The results, the santriwati's role in overcoming violence against women using the KUPI trilogy approach, namely santriwati as agents of pioneering good content in the digital world (ma'ruf), santriwati together with santri act as partners in the digital world (mubadalah), and santriwati as drivers of social justice in the digital world (keadilan hakiki). The novelty in the study was the concept of "Mbak Santri Cantik Jelita" as a concept for increasing the role of santriwati in preventing digital-based violence against women. The concept embodied in several pesantren's programs, theoretically has implications for the development of role theory and practically can become a role model, namely santriwati who have intelligence, ethics, and insight in innovating and using digital media for digital-based prevention of violence against women in other pesantren.

DOES DIGITALIZATION AGGRANDIZE INCOME? THE INDONESIA FAMILY LIFE SURVEY FIFTH WAVE Imam, Muhammad Kholisul; Januari, Anas Tania
Research In Management and Accounting (RIMA) Vol. 4 No. 2 (2021): December
Publisher : Fakultas Bisnis Universitas Katolik Widya Mandala Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33508/rima.v4i2.3547

The COVID-19 pandemic has shaken Indonesia's macroeconomy. The economic growth experienced a contraction accompanied by an increase in poverty and unemployment. On the other hand, the COVID-19 pandemic also provides an opportunity for the growth of the digital economy. Digitalization that goes well will increase economic activity due to greater accessibility. However, there has been a decline in income during the pandemic. Therefore, this research aims to learn whether digitalization can improve income levels by understanding the impact of having a cell phone and accessing the internet for economic activities towards revenues. Here, the treatment effect is conducted to estimate the magnitude of that impact and identify the factors determining digitalization (have a cell phone and access the internet for economic activities). This research uses secondary data obtained from the Indonesia family life survey fifth wave. The result shows that the income of someone who can digitize is higher than that of non-digitalization participants, indicating the digitalization significantly contributes to increased revenues. Moreover, object perception for having a cell phone and accessing the internet for economic activities supports people's interest in digitalization mainly due to happiness, subjective well-being, and marital status.

The impact of government debt on pro equality growth: Evidence from lower middle-income countries Imam, Muhammad Kholisul; Januari, Anas Tania
Keynesia : International Journal of Economy and Business Vol. 3 No. 1 (2024): Keynesia: International Journal of Economics and Business
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/keynesia.v3i1.1131

Pro equality growth is a condition of increasing economic growth with a reduction in income inequality. Data shows that in the last three decades, actual governement debt has increased. The main focus of this study is to prove whether government debt can produce pro equality growth. Moreover, there are two objectives in this study: (i) to investigate the impact of government debt on economic growth; and (ii) to investigate the impact of government debt on income inequality. This study uses panel data from 21 lower middle-income countries between 1989 and 2017. Method used in this study is three stage least squares (3sls). The estimation results show that government debt, has not been able to realize pro equality growth. Government debt can stimulate economic growth, but income inequality worsened. Although debt can be used as an investment in productive activities, the use of government debt cannot increase the accessibility and productivity of the poor. There are direct and indirect effects between government debt and income inequality. On the other hand, there is only a direct effect between government debt and economic growth, and there is no indirect effect through the income inequality pathway.

Customer Lived Experiences in Islamic Home Financing: Towards a Maqashid-al-Shariah-Oriented Financing Model Januari, Anas Tania; Ridwan , Muhtadi; Djalaluddin, Ahmad
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October (On Progress)
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.3076

This study explores the lived experiences of customers utilizing Islamic home financing in Malang City, Indonesia, focusing on how they perceive the practice beyond its financial transactions. While Indonesia's Islamic banking sector continues to expand, limited research examines how customers internalize ethical and spiritual values within financing schemes such as murābaḥah and mushārakah mutanāqiṣah. Using Husserl's descriptive phenomenology, in-depth interviews were conducted with clients of Islamic banks in Malang. The analysis revealed four key themes: (1) religious, economic, and practical motivations influencing financing decisions; (2) the conceptualization of home ownership as a symbol of dignity, familial trust, and intergenerational security; (3) experiences of financial challenges and adaptive strategies for fulfilling obligations; and (4) spiritual meanings of home financing as a path to divine blessing (barakah) and worship. These findings demonstrate that Islamic home financing functions not merely as a financial instrument but also as a multidimensional lived experience that integrates material and spiritual aspirations. Theoretically, this research enriches Islamic finance literature through phenomenological insights, while practically offering implications for Islamic financial institutions and regulators to strengthen ethical service delivery, product innovation, and consumer literacy aligned with the maqāṣid al-sharī‘ah framework.

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