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All Journal MUQTASID EQUILIBRIUM I-ECONOMICS: A Research Journal on Islamic Economics Journal of Digital Marketing and Halal Industry Invest Journal of Sharia & Economic Law Journal of Accounting and Digital Finance Penamas: Journal of Community Service Muslim Education Review Jurnal Keuangan dan Perbankan Syariah
Arna Asna Annisa
Sekolah Tinggi Agama Islam Negeri (STAIN) salatiga
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Penetapan Harga Jual Produk Murabahah Studi Kasus di BMT Rama Salatiga Annisa, Arna Asna
MUQTASID Vol 4, No 2 (2013): Muqtasid
Publisher : STAIN Salatiga

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

Abstract

This thesis is entitled Selling Price Regulation of Murabahah Product Case Study: BMT RAMA Salatiga. The objectives of this research are to describe 1) the execution of murabahah transaction at BMT RAMA Salatiga, 2) the method in deciding and applying the selling price of murabahah product, and 3) the policy of BMT on conducting its business based on Islamic principles. This research applied descriptive qualitative design and was conducted based on normative-juridical approach. The subjects of the research were the manager of BMT RAMA Salatiga and the costumers of BMT RAMA who were involved in murabahah transactions. The results show that the execution of murabahah transaction has not been applied well. Basically, wakalah aqad should place the costumer as the representative of BMT to get goods before the aqad is signed. It is applied in order to prevent gharar and to draw a distinction between syariah and conventional banking. In regulating its funding product BMT RAMA considers some components such as risks of fund, cost of fund, operational cost, annual profit target, annual funding target, and competition rates. However, the cost of fund component has the consequence of interests which need to be considered in determining murabahah margin. This consequence is absolutely inapropriate with MUI instruction no. 1 year 2004, which forbids interests because of its belonging to riba. Unfortunately, the DPS assistance is still insufficient on this matter.
Penetapan Harga Jual Produk Murabahah Studi Kasus di BMT Rama Salatiga Annisa, Arna Asna
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 2 (2013): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v4i2.239-266

Abstract

This thesis is entitled Selling Price Regulation of Murabahah Product Case Study: BMT RAMA Salatiga. The objectives of this research are to describe 1) the execution of murabahah transaction at BMT RAMA Salatiga, 2) the method in deciding and applying the selling price of murabahah product, and 3) the policy of BMT on conducting its business based on Islamic principles. This research applied descriptive qualitative design and was conducted based on normative-juridical approach. The subjects of the research were the manager of BMT RAMA Salatiga and the costumers of BMT RAMA who were involved in murabahah transactions. The results show that the execution of murabahah transaction has not been applied well. Basically, wakalah aqad should place the costumer as the representative of BMT to get goods before the aqad is signed. It is applied in order to prevent gharar and to draw a distinction between syariah and conventional banking. In regulating its funding product BMT RAMA considers some components such as risks of fund, cost of fund, operational cost, annual profit target, annual funding target, and competition rates. However, the cost of fund component has the consequence of interests which need to be considered in determining murabahah margin. This consequence is absolutely inapropriate with MUI instruction no. 1 year 2004, which forbids interests because of its belonging to riba. Unfortunately, the DPS assistance is still insufficient on this matter.
Menilik Urgensi Penerapan Pembiayaan Akad Salam pada Bidang Pertanian di Lembaga Keuangan Syariah di Indonesia Widiana, Widiana; Annisa, Arna Asna
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2017): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v8i2.88-101

Abstract

The financing of salam covenant is one of sharia banking products that can be used in the field of agriculture, but this has not been used in sharia financial institutions in Indonesia. Covenant of salam has strategic potential for agricultural development. This paper aims to illustrate the potential of using salam covenant in financing which is conducted by customer and how the challenges of implementation of salam  covenant in Islamic financial institutions. This is a descriptive qualitative research. In Indonesia, both Islamic banking and Baitul Maal Wattamwil have not applied this contract, related to some risks from salam financing. Sharia financial institutions needs a strategy in order to feel the benefits of providing salam. This article describes the practice of financing system of profitable covenant agreement for the sharia financial institution and the community. The research finding showed that by optimizing salam covenant financing, it can give positive impact to farmers that is in capital aspect to develop agricultural product. Pembiayaan akad salam merupakan salah satu produk perbankan syariah yang dapat digunakan dalam bidang pertanian, namun hal ini belum digunakan dalamLembaga Keuangan Syariah (LKS) di Indonesia. Akad salam memiliki potensistrategis terhadap pengembangan bidang pertanian. Penelitian ini bertujuan untuk menggambarkan potensi penggunaan akad salam dalam pembiayaan yang dilakukan oleh nasabah dan bagaimana tantangan atas penerapan pembiayaan akad salam di lembaga keuangan syariah. Tulisan ini berpijak pada penelitian kualitatif dengan metode deskriptif analisis dari berbagai literatur. Di Indonesia, baik perbankan syariah maupun Baitul Maal Wattamwil (BMT) belum menerapkan akad ini, terkait beberapa risiko dari pembiayaan salam. Lembaga keuangan syariah membutuhkan strategi agar dapat merasakan keuntungan dari penyediaan produk salam. Dalam tulisan ini dijelaskan praktik sistem pembiayaan akad salam yang menguntungkan bagi lembaga keuangan syariah dan masyarakat. Hasil yang diperoleh menunjukkan bahwa dengan optimalisasi pembiayaan akad salam dapat memberikan dampak positif terhadap para petani yaitu pada aspek permodalan untuk mengembangkan produk pertanian 
Determining Model of Halal Lifestyle: A Study on the Role of Kopontren Annisa, Arna Asna
EQUILIBRIUM Vol 9, No 1 (2021): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v9i1.10458

Abstract

The gap between the growth of the global halal industry and the people's halal lifestyle must be fixed immediately. This study aims to analyze the halal lifestyle in pondok pesantrens known to have a character education pattern in their curriculum. This phenomenological research was carried out by in-depth interviews with caregivers and students at the Pondok Pesantren Edi Mancoro and observations. The results of data processing with Atlas t.i show that the leading sector in the development of halal values in Pondok pesantren is Kopontren. With a participatory education pattern, Kopontren involves students in procuring goods and evaluating daily halal needs. The exemplary caregivers also determine the pattern of halal consumption so that the halal lifestyle becomes the morals of the students and becomes an example for society. This novelty research is the first community-based halal value development model and can be used as a recommendation for the development of the Indonesian halal industry.
DIGITALIZATION OF THE BLUE ECONOMY: CONCEPTUAL PAPER FOR THE DEVELOPMENT OF THE GLOBAL HALAL HUB IN INDONESIA Annisa, Arna Asna; Indriyani, Fany
I-Economics Vol 10 No 1 (2024): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v10i1.20476

Abstract

Economic growth that has not yet fully recovered due to COVID-19 requires creative economic policies that can elevate public sectors that have not been a priority. On the other hand, digital technology is recognized as a breakthrough in upgrading progress in various aspects. This conceptual paper aims to synthesize the role of digital technology in developing the halal industry through the use of the blue economy in the form of a global halal hub policy in Indonesia. This research was conducted in a structured and systematic descriptive manner. A study of various Scopus articles found that supply chain traceability in the halal industry requires a guarantee of halal product guarantees from upstream to consumers. Facing high global halal growth, it is necessary to synergize the role of land, sea, and air logistics with information technology and economic digitization systems. Through the development of digitalization of the blue economy, the Indonesian global halal hub can be an alternative to improving logistics routes for halal products in international trade with guaranteed supply chains that are controlled through information technology systems so that information openness between agents will emerge and can automatically accelerate domestic and international economic growth. The novelty of this research is that it synergizes the potential of the blue economy sector, which has not been studied much for the development of the halal industry at the global level. This can be a reference so that the involvement of the blue economy role is also prioritized in making halal logistics policies.
The Influence of Price, Product Quality, and Halal Knowledge on Purchase Decisions for Fiesta Chicken Nugget Products with Purchase Intention as an Intervening Variable (Study on Consumers in Salatiga City) Lisdiani, Nur Linna Isti; Annisa, Arna Asna
Invest Journal of Sharia & Economic Law Vol. 2 No. 1 (2022): INVEST - Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i1.3830

Abstract

Halal and non-halal meat zoning policies impact consumer intentions for a product. The product, Fiesta Chicken Nugget in Salatiga, is one of them. Whether positive or negative, the policy will impact the sale of processed meat products. This research is based on the background of processed chicken meat products, namely Fiesta Chicken Nugget in Salatiga, which is affected by the Halal Zoning policy. The study aimed to determine the effect of price, product quality, and consumer knowledge of halal on purchasing decisions for Fiesta Chicken Nugget products in Salatiga City, with buying interest as an intervening variable. This research uses quantitative research. The sampling technique used purposive sampling with a total of 100 respondents. This study conducted validity, reliability, correlation coefficient, determination coefficient, regression analysis, t-test with SPSS application and Sobel analysis to test the effect of intervening variables. The results of the hypothesis stated that price, product quality, halal knowledge, and buying interest had a positive and significant effect on purchasing decisions. While the study's results indicate that price and product quality affect buying interest, halal knowledge does not. Then the price, halal knowledge and buying interest do not affect purchasing decisions, but product quality does affect the Fiesta Chicken Nugget product.
What Non-Muslims Say About Halal-Certified Products? Annisa, Arna Asna; Hartiningsih, Sepia; Kholifah, Siti; Rahmawati, Fatimah; Iskandar, Iskandar
Journal of Digital Marketing and Halal Industry Vol 4, No 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2022.4.2.13140

Abstract

The growth of the halal industry can be influenced by consumer behavior towards purchasing decisions for halal products. On the other hand, people's halal consumption patterns are influenced by halal literacy in heterogeneous societies. This study aims to find out how the attitudes of non-Muslim communities in Salatiga City regarding halal-certified products. The research method used is a qualitative method and is descriptive. The sample for this research was taken from 5 non-Muslim residents in the City of Salatiga who represented Catholicism, Protestant Christianity, Hinduism, Buddhism and Confucianism. This field research was carried out by asking questions through interviews with informants. The results of the study showed that the interviewees stated that they strongly agreed to choose halal-certified products, chose useful products and considered halal-certified products to be products with guaranteed quality and cleanliness. The resource person is neutral in feeling anxious when not consuming halal-certified products, and in choosing products that are not halal-certified. The concern of resource persons for halal-certified products is general in nature, each resource person has many considerations. Based on the research results, this can be used as a recommendation for halal literacy policies for heterogeneous communities. with a socio-cultural approach
Evaluasi faktor-faktor penentu profitabilitas bank umum syariah di indonesia dengan net operating margin sebagai variabel moderating Novitasari, Aditya Ayuk; Annisa, Arna Asna
Journal of Accounting and Digital Finance Vol. 3 No. 1 (2023): Journal of Accounting and Digital Finance
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jadfi.v3i1.174

Abstract

This research analyzes the effect of capital adequacy ratio, operational costs on operational income, and financing-to-deposit ratio on profitability (ROA) with net operating margin as a moderating variable. This type of research is quantitative research with secondary data in panel form. The population in this research is 14 Sharia Commercial Banks in Indonesia for the 2016-2020 period. Sample selection used the purposive sampling method. The analysis technique used is moderated regression analysis. This study found that the capital adequacy and financing-to-deposit ratios did not affect the return on assets. Meanwhile, operational costs on operating income (BOPO) hurt asset return. Net Operating Margin can moderate the variables Capital Adequacy Ratio, Operational Costs to Operating Income (BOPO), and financing to deposit ratio to return on assets of Sharia commercial banks
Peran DPK dalam memoderasi pembiayaan murabahah pada bank umum syariah Sari, Deny Kurnia; Annisa, Arna Asna
Journal of Accounting and Digital Finance Vol. 3 No. 2 (2023): Journal of Accounting and Digital Finance
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jadfi.v3i2.281

Abstract

This research aims to determine the effect of non-performing financing, net operating margin and financing-to-deposit ratio on murabahah financing with third-party funds as a moderating variable in Islamic commercial banks in Indonesia. This type of research is quantitative and involves a population of Islamic commercial banks registered with the Financial Services Authority (OJK). Meanwhile, the sample for this research was determined using a purposive sampling method with criteria determined by the researcher so that 60 samples were obtained from 12 Islamic commercial banks in 2016–2020. The type of data used is panel data. The analysis method used is moderated regression analysis (MRA). The research results show that the NPF and NOM variables hurt murabahah financing. Meanwhile, FDR hurts murabahah financing. DPK, as a moderating variable, is able to moderate the relationship between NPF, NOM and FDR variables on murabahah financing with varying results.
Sosialiasi wakaf: Peningkatan leterasi wakaf uang melalui sosialiasi pada masyarakat kampus Annisa, Arna Asna; Rofiuddin, Mohammad
Penamas: Journal of Community Service Vol. 3 No. 1 (2023): Penamas: Journal of Community Service
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/penamas.v3i1.383

Abstract

The problem related to waqf that is being faced now is that the gap between the potential of cash waqf and the reality of the cash waqf movement is still far away, so there is a need to increase waqf literacy, especially cash waqf. The service method is carried out by socialization, and in the next stage, an evaluation is carried out using the Paired Sample t-test. The service results show an increase in understanding of the academic community of IAIN Salatiga before and after the socialization of waqf literacy. In addition, there needs to be innovation in distributing waqf knowledge to all elements of the Muslim community. There are suggestions from the results of the dedication evaluation that the socialization of waqf must be massive, especially in campus areas and Islamic boarding schools. Furthermore, socialization is carried out innovatively by utilizing social media so that it will be straightforward to reach young people, millennials, or generation Z.
Co-Authors Hartiningsih, Sepia Indriyani, Fany Iskandar Iskandar Lisdiani, Nur Linna Isti Novitasari, Aditya Ayuk Puspita, Rosana Eri Rahmawati, Fatimah Rofiuddin, Mohammad Sari, Deny Kurnia SITI KHOLIFAH solika, siti lina Widiana, Widiana