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All Journal Ekonomi Bisnis Al-Manahij: Jurnal Kajian Hukum Islam Dharmakarya : Jurnal Aplikasi Ipteks Untuk Masyarakat ILTIZAM Journal of Sharia Economic Research Shirkah: Journal of Economics and Business 'Anil Islam: Jurnal Kebudayaan dan Ilmu Keislaman Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Bima Journal : Business, Management and Accounting Journal Al-Manahij : Jurnal Kajian Hukum Islam PERADABAN JOURNAL of ECONOMIC and BUSINESS 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 Jurnal Pendidikan Indonesia Alkasb: Journal of Islamic Economics 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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AKAD-AKAD DALAM ASURANSI SYARIAH Noer Hasanah; Anna Zakiyah Hastriana
Sahaja: Journal Sharia and Humanities Vol. 3 No. 1 (2024): Sahaja: Journal Sharia and Humanities
Publisher : Universitas Darunnajah Jakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61159/sahaja.v3i1.174

Abstract

Every transaction contained in Islamic insurance must use the contracts that have been determined. In Islamic insurance, contracts are written agreements that cover all relevant risks and thel obligations andl rights ofl the partiesl in accordancel with Islamic principles. The contract is an important component of the practice of Islamic insurance. Which in the contract is classified into several types, including Tabarrul 'Akad, Tijarahl Akad, Mudharabah Akad, Wakalahl bil Ujrahl Akad, and Mudharabahl Musytarakah lAkad. These contracts are agreements between insurance companies and their client companies that must adhere to sharia principles regarding the prohibition of usury, maysir, and gharar. Tabarru' Akad aims to involve one participant with other participants by providing tabarru' funds which are expected to help each other among insurance participants. While Akad Tijarah is intended for profitability purposes using the mudharabah principle. Therefore, itl is veryl important forl Muslims tol know thel contracts andl mechanisms used by Islamic insurance when conducting transactions for insurance participants. This writing aims to explain the various contracts in Islamic insurance along with the definition ofl these contractsl and theirl application to Islamicl insurance products. This research methodl uses a literature study which takes from several literatures through journals and books.
PENGARUH BRAND AWARENESS, BRAND IMAGE, DAN HARGA TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN PADA PRODUK BAJU NIBRAS Hastriana, Anna Zakiyah; Sari, Fatima
Jurnal Ilmiah Ekonomi Bisnis Vol 30, No 1 (2025)
Publisher : Universitas Gunadarma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35760/eb.2025.v30i1.11946

Abstract

Perubahan signifikan telah terjadi dalam mode busana muslim, khususnya penduduk muslim Indonesia. Dengan konsumen barang busana muslimah sebagai obyek penelitian, penelitian ini berupaya menguji dampak kesadaran merek (X1), citra merek (X2), dan harga (X3) terhadap variabel independen yaitu keputusan pembelian konsumen produk Nibras. Penelitian kuantitatif merupakan pendekatan yang dipakai dalam desain penelitian ini. Pengambilan sampel secara purposif, atau pendekatan sampel berdasarkan kriteria yang telah ditentukan, merupakan metode yang digunakan dalam penelitian ini. Seratus responden dijadikan sebagai ukuran sampel untuk penelitian ini. Dengan bantuan SPSS versi 26, teknik analisis data studi ini memanfaatkan teknik analisis regresi linier berganda. Temuan riset ini memaparkan, meskipun citra merek dan harga secara signifikan memengaruhi keputusan pelanggan untuk mengonsumsi barang - barang dari produk Nibras, kesadaran merek tidak memiliki dampak yang nyata pada pembelian tersebut. Kesimpulan studi ini menyiratkan bahwa Nibras harus memberikan prioritas utama untuk meningkatkan reputasinya dengan meningkatkan dukungan pelanggan, kualitas produk, dan inisiatif pemasaran. Rencana harga yang baik juga penting untuk menarik pelanggan. Penting untuk menilai kembali rencana kesadaran merek saat ini.
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.
IMPLEMENTASI AKAD RAHN DALAM SISTEM PEMBIAYAAN PERBANKAN SYARIAH Savila, Evi; Zakiyah Hastriana, Anna
MARGIN: Journal of Islamic Banking Vol 5 No 1 (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/margin.v5i1.3031

Abstract

Tujuan penelitian ini adalah untuk mengkaji penerapan akad rahn dalam pembiayaan yang diterapkan oleh perbankan syariah di Indonesia. Akad rahn, yang merupakan konsep gadai dalam syariah, digunakan sebagai bentuk jaminan atas pembiayaan yang diberikan oleh bank syariah. Dalam pelaksanaannya, akad rahn memberikan perlindungan bagi kedua belah pihak, yaitu bank dan nasabah, dengan tetap mengikuti prinsip-prinsip syariah, yang menekankan larangan terhadap riba, gharar, dan maysir. Penelitian ini menggunakan kajian Pustaka.Hasil penelitian menunjukkan bahwa penerapan akad rahn memberikan manfaat bagi bank syariah dalam mengurangi risiko pembiayaan macet, sekaligus memberikan kemudahan bagi nasabah dalam memperoleh pembiayaan dengan jaminan yang jelas. Meskipun demikian, beberapa tantangan masih dihadapi dalam penerapan akad rahn, seperti kurangnya pemahaman mengenai syarat dan ketentuan rahn, serta ketidaksesuaian antara objek yang digadaikan dengan jumlah pembiayaan yang diberikan. Oleh karena itu, penelitian ini merekomendasikan peningkatan edukasi kepada nasabah dan penguatan regulasi yang mendukung penerapan akad rahn dalam perbankan syariah.
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/margin.v5i2.3105

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/makesya.v5i2.3201

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.
Co-Authors Agustin, Dhea Ais Faisetul Imamah Atep Hendang Waluya Daroini, Sa'adatud FATIMATUS ZAHROH Fitriyatul Helmiyah Imaniyah, Helwatin Isyadatul Hasanah Jamilah, Ismiyatul Kamilah, Haflatul Khalilah Liaqodatul mahmudah Maksum Maksum Muzayyana, Yaqinatul Noer Hasanah Nurissyarifah Putri Amalia Rahayu Mardikaningsih Rahmah, Salimatur Rustam Rustam Sari, Fatima Savila, Evi Siyah, Sundu Ulfatun Hasanah, Alief Yanti Yanti Yanti Yanti