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All Journal Tribakti: jurnal pemikiran keIslaman EkBis: Jurnal Ekonomi dan Bisnis Journal of Economics Research and Social Sciences Velocity: Journal of Sharia Finance and Banking Journal of Islamic Economics, Management, and Business (JIEMB) Tadayun: Jurnal Hukum Ekonomi Syariah Velocity: Journal of Sharia Finance and Banking Amal: Jurnal Ekonomi Syariah Manis : Jurnal Manajemen dan Bisnis Asian Journal of Science, Technology, Engineering, and Art Tribakti: Jurnal Pemikiran Keislaman SILAH: Jurnal Ekonomi Syariah
Jailani, Novalini
STAI Ki Ageng Pekalongan
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Central Bank Digital Currencies and It’s Potential Impact on the Profitability and Systems Stability of Commercial Banking in Emerging Markets Jailani, Novalini; Anwar, Khairul; Maulida, Minati; Muhammad, Adib
EkBis: Jurnal Ekonomi dan Bisnis Vol. 9 No. 1 (2025): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2025.9.1.2425

Abstract

The development of Central Bank Digital Currencies (CBDCs) has become a significant topic of discussion globally, particularly in emerging markets where financial inclusion, monetary sovereignty, and banking stability are key concerns. This study explores the potential impact of CBDC implementation on the profitability and system stability of commercial banking systems in these economies. This research adopts a qualitative approach through a literature review of CBDC implementations in key emerging economies, including China, Nigeria, Brazil, Russia, and India. The study finds that while CBDCs can enhance efficiency and financial accessibility, their impact varies depending on a country's banking infrastructure, regulatory framework, and financial stability measures. In some cases, CBDCs have exacerbated liquidity risks for commercial banks, while in others, they have promoted digital innovation and alternative revenue streams. The findings highlight the need for strategic collaboration between central banks and commercial financial institutions to mitigate risks while leveraging the benefits of CBDCs. Policy recommendations include implementing limits on CBDC holdings, integrating CBDCs with existing banking services, and fostering regulatory frameworks that support a balanced financial ecosystem. This study contributes to the academic discourse on digital currencies and banking by offering insights into the evolving role of central banks and commercial banks in the digital financial landscape.
The relevance of Ibn Khaldun’s agricultural economic thoughts during the Covid-19 pandemic Anwar, Khairul; Jailani, Novalini; Damayanti, Dhea Aulia
Journal of Islamic Economics Management and Business (JIEMB) Vol. 4 No. 1 (2022)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2022.4.1.11811

Abstract

As an agricultural country, the agricultural sector in Indonesia has an important role in national economic development. Among Muslim thinkers, Ibn Khaldun is a figure who pays attention to agriculture and sees it as a vital source of life. This study aims to identify and analyze Ibn Khaldun’s concept of agricultural economics and its relevance during the Covid-19 pandemic, which has impacted the economic sector. This research is a type of library research using qualitative methods. While the data analysis technique used is descriptive qualitative. The primary data of this research are books, journals, essays, and news about the core issue, namely Ibn Khaldun’s view on agriculture which is then related to conditions in the era of the Covid-19 outbreak. The results show that Ibn Khaldun’s thoughts on the agricultural economy and the state’s role in serving the community are still very relevant during the Covid-19 pandemic. Agriculture, according to Ibn Khaldun, is the source of life. During the Covid-19 pandemic, the agricultural sector has been unaffected. This research is done to learn material for the community, especially about Ibn Khaldun’s thoughts in general, economics and agriculture in particular. 
Manajemen Risiko pada Lembaga Keuangan Syariah di Era Digital Jailani, Novalini
SIL'AH: Jurnal Ekonomi Syariah Vol. 1 No. 1 (2024): SIL'AH: Jurnal Ekonomi Syariah
Publisher : Sekolah Tinggi Agama Islam (STAI) Ki Ageng Pekalongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64994/silah.v1i1.9

Abstract

This article aims to explain risk management in Islamic financial institutions in the digital era. This research uses a qualitative approach in the form of literature studies, namely by collecting information or data from various books, articles, journals, and reports relevant to the research. The results show that advances in information technology in the digital era require Islamic Financial Institutions to improve operational efficiency, accuracy, speed of service, and security. On the other hand, Islamic Financial Institutions is faced with information technology, operational, and reputational risks that require effective security strategies and an understanding of the latest threat trends in the digital era. Effective risk management is important for Islamic Financial Institutions in facing the challenges of the digital era, with the aim of providing a better understanding of risk management in the context of Islamic financial institutions.
Analysis of Factors Influencing Millennial Consumers' Decision in Buying Halal Cosmetics Novalini Jailani; Susminingsih; Hendri Hermawan Adinugraha; Fatimah Kari; Adib Muhammad
Tribakti: Jurnal Pemikiran Keislaman Vol. 35 No. 2 (2024): Tribakti: Jurnal Pemikiran Keislaman
Publisher : Universitas Islam Tribakti (UIT) Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/tribakti.v35i2.5416

Abstract

The market potential of the halal cosmetics is currently very promising and the use of cosmetics among millennials is increasing. Therefore, the purpose of this research is to analyze the factors that impact millennial consumers' decisions to buy halal cosmetics. This study analyzes whether factors such as halal awareness, halal certification and religiosity are able to influence millennial consumers' decisions in buying halal cosmetics with purchase intention as a mediating variable. In this study, a quantitative method using survey research was applied. The method of sampling utilized in this investigation was incidental sampling, where the study sample was as many as 185 millennial consumers in Central Java province with the condition that they were millennials born between 1981 to 1996 and had bought halal cosmetic products. Data collection techniques use online questionnaires in the form of Google forms that are disseminated through social media, such as Instagram and Whatsapp. The data analysis method used is SEM-PLS by using SmartPLS 3.2.9 software. The results of this study found that the variables of halal awareness, halal certification and religiosity have a positive and significant influence on millennial consumers' decisions in buying halal cosmetics. Consumer purchase intent was able to mediate the relationship between variables of halal awareness, halal certification, religiosity and purchase decisions significantly. The findings of this research can be used as consideration for manufacturers or marketers of cosmetic products to pay attention to religious aspects in promoting their products. Those in the cosmetics industry who are trying to reach millennials might think about getting their products halal certified. Especially in the context of advertising. One marketing strategy that has shown success is labeling items as "halal certified."
Fungsi Manajemen Pada Lembaga Zakat (Studi Kasus di UPZIS Wonopringgo Pekalongan) Khairul Anwar; Novalini Jailani; Fikrotus Shofi; Tarmidzi
AMAL: Jurnal Ekonomi Syariah Vol. 7 No. 1 (2025): Juni
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v7i1.8125

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis fungsi manajemen pada lembaga zakat UPZIS Wonopringgo Pekalongan. Penelitian adalah penelitian lapangan. Penelitian ini menggunakan metode penelitian kualitatif, data yang digunakan adalah data primer dan data sekunder, data primer diperoleh dari wawancara dengan pengelola UPZIS Bapak Nur Anafi, sedangkan data sekunder berasal dari buku, jurnal, dan artikel lainnya yang relevan. Hasil penelitian ini menunjukan penerapan fungsi manajemen pada lembaga zakat (UPZIS) di Wonopringgo, sudah berjalan dengan baik, namun belum maksimal, dikarenakan tingkat kesadaran masyarakat yang kurang akan pentingnya berzakat. Prinsip perencanaan, pengorganisasian, pelaksanaan dan pengawasan sudah diterapkan di UPZIS Wonopringgo. Salah satu bentuk program di UPZIS Wonopringgo adalah adanya program koin NU, yang diambil setiap bulannya di masyarakat.
Co-Authors Adib Muhammad AM. Muh. Khafidz Ma’shum Andrean, Rizky Azam Rivani Damayanti, Dhea Aulia Dhea Aulia Damayanti Fatimah Kari Fikrotus Shofi Hendri Hermawan Adinugraha Hendri Hermawan Adinugraha Kari, Fatimah Khairul Anwar Khairul Anwar Khairul Anwar Kuat Ismanto Maulida, Minati Muhammad Ali Gunawan Muhammad, Adib Susminingsih Susminingsih Tarmidzi