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All Journal Ekonomi Bisnis Al-Manahij: Jurnal Kajian Hukum Islam Dharmakarya : Jurnal Aplikasi Ipteks Untuk Masyarakat 'Anil Islam: Jurnal Kebudayaan dan Ilmu Keislaman Jurnal Ekonomi, Manajemen dan Akuntansi (JEKMA) Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Al-Hiwalah : Journal Syariah Economic Law Jurnal Manajemen Keuangan Syariah Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Jurnal Inovasi Global Sahaja : Journal Sharia and Humanities Margin : Journal of Islamic Banking Alkasb: Journal of Islamic Economics Al-Iqtishad: Jurnal Ekonomi Syariah Landraad
Anna Zakiyah Hastriana
UIN Sunan Kalijaga Yoyakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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STRATEGI MEMPERTAHANKAN KELANGSUNGAN EKONOMI RUMAH TANGGA PETANI DI MUSIM PACEKLIK DESA ROMBIYA BARAT GANDING DALAM PERSPEKTIF ILMU EKONOMI ISLAM Fatimatus Zahroh; Anna Zakiyah Hastriana
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 5 No. 02 (2024): Januari-Juni 2024
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v5i02.796

Abstract

Famine seasons are times when crops that have been planted with difficulty do not produce results due to several factors, and one example is a long dry period that causes at least one famine season. In the face of such a situation, some farmers take advantage of opportunities in the famine season or overcome the difficulties that occur in the famine season in various ways. The purpose of this study is to understand the real income received by farming households in Rombiya Barat Ganding Village during the Famine season period. Can income during the Famine season continue until the next planting period, and how farmer households maintain their survival during the Famine period? This research uses methodology by applying qualitative descriptive data analysis techniques, mainly focusing on the case study approach. Data collection is done through observation, interviews, and documentation, with primary and secondary data sources. The study participants consisted of 10 rice farmers. This study examines the real income of farmers in the lean season from the point of view of their income and consumption. The results show that rice farmers can maintain their real income until the replanting period because their consumption patterns are more controlled and the famine season does not hamper their production, so that rice farmers can achieve their survival.
Penerapan Akad Ijarah Muntahiya Bittamlik (IMBT) Di Bank Syariah Imaniyah, Helwatin; Hastriana, Anna Zakiyah
Jurnal Landraad Vol. 3 No. 1 (2024): Edisi Maret 2024
Publisher : Institut Syekh Abdul Halim Hasan Binjai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59342/jl.v3i1.507

Abstract

Sharia banking in Indonesia has experienced a significant increase in performance, as evidenced by the proliferation of Islamic financial institutions. The ijarah (rent) contract, which is frequently utilized in daily life, is one of the fascinating contracts to talk about. Human needs cause constant adjustments to this agreement. The contract ijarah muntahiya bittamlik (IMBT), sometimes referred to as al-Ijarah thumma al-bai' (AITAB), and hire and buy are two examples of such modifications. This agreement uses two separate contracts, namely a lease contract (ijarah / leasing or renting) and a sale and purchase contract (bai '/ purchase). IMBT contracts are comparable to the traditional lease agreements that are still in use today. The author finds that the IMBT contract can be a solution in providing affordable Public Housing Loans to the public, Yet, because of the dearth of research and practical understanding surrounding the contract, it is still sporadically utilized in Islamic banking.
Conceptual Analysis of Musyarakah Mutanaqishah Contract and its Implementation in Islamic Banking Rahmah, Salimatur; Hastriana, Anna Zakiyah
Al-Hiwalah: Journal of Sharia Economic Law Vol. 4 No. 1 (2025): Al-Hiwalah : Journal Syariah Economic Law
Publisher : Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/al-hiwalah.v4i1.5258

Abstract

The concept of Musyarakah Mutanaqishah contract is one form of partnership contract in Islamic banking that is rapidly developing as an alternative financing, where the bank and the customer together provide capital for a business and the bank will gradually reduce ownership of the business along with payments by the customer. In this contract, the customer does not only act as a borrower, but also as a partner in sharing profits and losses based on the proportion of each capital contribution. The implementation of Musyarakah Mutanaqishah in Islamic banking provides a solution for financing the purchase of assets such as houses or vehicles while maintaining sharia principles, including the prohibition of usury, gharar, and maysir. In practice, the Musyarakah Mutanaqishah contract is not only beneficial for both parties, but also provides a sense of justice and transparency in transactions. However, the implementation of this contract still faces challenges in terms of operations, regulations, and market understanding that need to be continuously developed in order to maximize its benefits. This article aims to analyze the basic concept of Musyarakah Mutanaqishah, its implementation mechanism in Islamic banking products, as well as the challenges and opportunities faced in its implementation.
The influence of service quality, brand equity, promotion, and perception of justice on customer trust of sharia pawnshop service users Nurissyarifah; Rahayu Mardikaningsih; Anna Zakiyah Hastriana
Alkasb: Journal of Islamic Economics Vol. 3 No. 2 (2024)
Publisher : Islamic Economics Study Program, Faculty of Sharia and Islamic Economics, Universitas Annuqayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59005/alkasb.v3i2.220

Abstract

In contemporary Indonesia, Islamic pawnshops are experiencing widespread growth, offering a Sharia-compliant collateral-based lending system that provides financial assistance to individuals. These institutions provide various financial products, including pawning services for gold, collateralized goods, vehicles, and electronics. This study investigates the impact of service quality, brand equity, promotional activities, and perceptions of fairness on customer trust among users of Islamic pawnshop services. Specifically, it aims to determine the level of customer trust in Islamic pawnshop companies, considering the quality of service and the ease of transactions they offer. Employing a quantitative methodology, this research utilizes both primary and secondary data. The target population encompasses all customers of Islamic pawnshops in Surabaya, from whom a sample of 50 respondents participated by completing questionnaires. The collected demographic data reveals that the majority of respondents (34.10%) were over 20 years of age, indicating the inclusion of both adolescent and adult participants. Furthermore, a significant portion (45.8%) were actively employed. Regarding gender, the sample comprised 24.9% male and 26.1% female respondents. In terms of educational background, the respondents exhibited diversity, with 46.7% holding vocational, high school, or diploma qualifications.
PENERAPAN IJARAH PADA PRODUK PEMBIAYAAN DI PERBANKAN SYARIAH Siyah, Sundu; Hastriana, Anna Zakiyah
MARGIN: Journal of Islamic Banking Vol 5 No 2 (2025): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/4ehxcd40

Abstract

Ijarah merupakan salah satu akad dalam ekonomi syariah yang digunakan untuk transaksi sewa-menyewa. Dalam akad ini, pemilik aset (mu'jir) menyewakan manfaat atau jasa kepada penyewa (musta'jir) dengan imbalan tertentu sesuai kesepakatan. Konsep Ijarah berlandaskan prinsip keadilan, dimana hak dan kewajiban kedua belah pihak diatur secara jelas. Ijarah menjadi alternatif bagi masyarakat dan lembaga keuangan dalam melakukan transaksi pembiayaan yang sesuai dengan prinsip-prinsip syariah, khususnya dalam produk pembiayaan aset seperti kendaraan, properti, maupun jasa. Akad ini tidak hanya berlaku dalam sektor riil, namun juga telah diadopsi oleh perbankan syariah melalui produk Ijarah Muntahiyah Bittamlik (IMBT), yang memungkinkan transfer kepemilikan setelah masa sewa berakhir. Dengan demikian, Ijarah tidak hanya memenuhi kebutuhan transaksi syariah yang adil dan transparan, tetapi juga menjadi salah satu solusi pembiayaan yang menghindari unsur riba dan gharar.
The Influence of Islamic Organization Culture, Interpersonal Communication, Rewards, and Punishments on Employee Performance Kamilah, Haflatul; Hastriana, Anna Zakiyah
Manajemen Keuangan Syariah Vol. 5 No. 2 (2025): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/jd66gf71

Abstract

This study is driven by the critical role of employee performance—defined as the capability and effort of workers to meet organizational standards—in the success of Islamic financial institutions, particularly BMT NU in Madura. BMT NU operates with distinct cultural, religious, and ethical values that may differentially influence employee performance compared to conventional institutions. Factors such as Islamic Organizational Culture, Interpersonal Communication, Reward, and Punishment are examined for their impact on employee performance. These factors influence employee performance because Islamic organizational culture provides ethical guidance and motivation, interpersonal communication enhances collaboration and clarity, rewards boost morale and productivity, and punishments enforce discipline and accountability, all of which collectively shape a conducive work environment. Using an exploratory research design with a quantitative descriptive approach, the study surveyed 78 employees who had worked at BMT NU in Madura for at least six months, selected through purposive sampling. Data was collected via questionnaires and analyzed using multiple linear regression in SPSS version 23. The findings reveal that Islamic culture (t=3.008), communication (t=2.279), rewards (t=2.229), and punishments (t=2.245) significantly affect performance (t-table=1.665). Simultaneously, F-count=30.905 > F-table=2.730, with R²=0.629 (62.9% variance explained). The research affirms that proper management of these factors is crucial for optimizing Islamic organizations' performance, recommending that BMT NU in Madura enhance Islamic culture and communication through religious training and team building while implementing a transparent Sharia-based reward-punishment system with fair evaluations and constructive feedback to sustain high employee performance.
Pengaruh Kemanfaatan, Kemudahan Keamanan, dan Fitur M-Banking terhadap Kepuasan Nasabah dalam Bertransaksi pada Bank Syariah Indonesia (Studi Kasus BSI KCP Sumenep) Putri Amalia; Hastriana, Anna Zakiyah
Alkasb: Journal of Islamic Economics Vol. 1 No. 1 (2022)
Publisher : Islamic Economics Study Program, Faculty of Sharia and Islamic Economics, Universitas Annuqayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59005/alkasb.v1i1.163

Abstract

Customer satisfaction is the emotional response that customers feel when they enjoy the experience of using a product/service. In increasing customer satisfaction, the banking industry is required to provide m-banking facilities. Achievement of increased customer satisfaction can be influenced by various factors, including usability, ease of use, features, and security. The independent variable other than the feature variable is a variable derived from TAM theory. Therefore, the purpose of this research is to test and analyze the influence of these four factors on customer satisfaction at BSI KCP Sumenep. This research is a survey research with a quantitative approach. Data collection techniques in this study used a questionnaire. The research sample is the customers of Bank Syariah Indonesia KCP Sumenep, who use m-banking Bank Syariah Indonesia as many as 100 respondents. The type of sample is purposive sampling. The data analysis technique used multiple linear regression using SPSS version 22.0. The results of this study indicate that the usefulness, ease of use, features, and security of m-banking have a positive and significant effect both partially and simultaneously on customer satisfaction.
Implementasi Akad Musyaraah Mutanaqisah dalam Kredit Pemilikan Rumah pada Perbankan Syariah Agustin, Dhea; Hastriana, Anna Zakiyah
Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Vol. 3 No. 2 (2024): Dalwa Islamic Economic Studies
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/dies.v3i2.2236

Abstract

The demand for home ownership continues to rise, prompting Islamic banking to create financing products through the Musyarakah Mutanaqishah contract as an alternative in Home Ownership Credit. This study aims to analyze the implementation of the Musyarakah Mutanaqishah contract within the context of Islamic banking. The research method used is qualitative descriptive. The findings indicate that while the Musyarakah Mutanaqishah contract is expected to enhance home accessibility for the public, its implementation in Islamic banks does not meet the regulations set forth in Fatwa DSN-MUI No. 73/DSN-MUI/XI/2008, particularly concerning the lack of capital contribution. As a result, the contract is deemed void despite being legally valid. This research contributes to providing insights into the challenges faced in implementing the Musyarakah Mutanaqishah contract within the Islamic banking system in Indonesia.
Dampak fenomena penutupan Tik Tok shop terhadap perubahan prilaku konsumen studi kasus mahasiswa Institut Ilmu Keislaman Annuqayah (INSTIKA) Guluk-guluk Sumenep Isyadatul Hasanah; Anna Zakiyah Hastriana
Jurnal Inovasi Global Vol. 2 No. 1 (2024): Jurnal Inovasi Global
Publisher : Riviera Publishing

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

Abstract

The closure of TikTok shop is a policy that has changed the pace of online business, having a significant impact on consumers. This policy has received widespread attention from various groups, including INSTIKA students who are active consumers on TikTok shop. This study aims to analyze how the closure of TikTokshop impacts consumer behavior and online purchase preferences. This study aims to analyze how the closure of TikTokshop impacts consumer behavior and online purchase preferences. This research uses a qualitative approach, with descriptive analysis, looking for information based on existing data, analyzing and interpreting it. Observations and interviews, with 20 informants were used as material in the collection of research data. The results of this study show that the closure of TikTokshop forces consumers, including INSTIKA students, to look for alternatives to meet their shopping needs. Observations and interviews, with 20 informants were used as material in the collection of research data. The results of this study show that the closure of TikTok shop forces consumers, including INSTIKA students, to look for alternatives to meet their shopping needs. Previously, they actively shopped through TikTok shop, but with the closure of this platform, they had to adapt to different online shopping methods. In addition, the closure of TikTok shop also affected the purchasing preferences of College Students, who previously tended to follow trends that were popular on TikTok in terms of fashion, accessories, and other products. However, after closing, they will turn to other sources in making purchasing decisions.
Co-Authors Agustin, Dhea Ais Faisetul Imamah FATIMATUS ZAHROH Fitriyatul Helmiyah Imaniyah, Helwatin Isyadatul Hasanah Jamilah, Ismiyatul Kamilah, Haflatul Liaqodatul mahmudah Noer Hasanah Nurissyarifah Putri Amalia Rahayu Mardikaningsih Rahmah, Salimatur Sari, Fatima Siyah, Sundu Yanti Yanti