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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 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 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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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.
Assessing the Family Hope Program's (PKH) Impact on Community Welfare through the CIBEST Method Ulfatun Hasanah, Alief; Zakiyah Hastriana, Anna
ILTIZAM Journal of Shariah Economics Research Vol. 9 No. 2 (2025): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/wy0f1s35

Abstract

This study analyzes the effectiveness of the Family Hope Program (PKH) in improving community welfare in Bragung Village, Sumenep District, through a holistic approach that combines material and spiritual aspects using the CIBEST model. Using a descriptive qualitative method, data was collected through participatory observation, in-depth interviews with 30 beneficiary families, and a study of official documents. The CIBEST model was applied to assess welfare through four dimensions: material-spiritual welfare, material poverty, spiritual poverty and absolute poverty. The research findings show that PKH succeeded in significantly improving welfare. The Welfare Index (W) increased from 0.267 to 0.8 (200%), while the Spiritual (Ps) and Absolute (Pa) Poverty Indices were eliminated. However, the Material Poverty Index (Pm) only fell by 25%, indicating the need to strengthen the economic aspects of the program. Theoretically, this research makes an innovative contribution by adapting the CIBEST model - originally for zakat programs - into a social policy evaluation instrument. This approach offers a new perspective in measuring well-being that is more comprehensive by integrating the spiritual dimension. The findings recommend: (1) strengthening community-based economic assistance programs, (2) improving synergies between social assistance programs, and (3) developing a monitoring system based on holistic indicators to ensure the sustainability of community welfare improvements.
Maqashid Al-Sharia Based Marketing Strategy of Imam As-Syatibi in Facing Business Competition: A Case Study of Arinna Hijab Ganding Daroini, Sa'adatud; Hastriana, Anna Zakiyah
BIMA Journal (Business, Management, & Accounting Journal) Vol. 6 No. 2 (2025)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.6.2.819-838

Abstract

Purpose: This research analyzes the marketing strategy of Arinna Hijab Ganding based on Imam As-Syatibi's Maqashid Al-Sharia to increase competitiveness in a competitive market. Methodology: through a qualitative approach with a case study method, combining literature analysis of As-Syatibi's Maqashid Al-Sharia and observation of the marketing strategy implemented by Arinna Hijab Ganding involving 30 Arinna consumers with data collected through observation, interviews, and documentation. Result: The findings show how five important principles of Maqashid Al-Sharia (hifzh ad-din, hifzh an-nafs, hifzh an-nasl, hifzh al-mal) have been effectively integrated into the Company's marketing mix, resulting in differentiated value creation, strong customer trust, and sustainable business growth while maintaining sharia compliance. Findings: This study reveals that this strategy goes beyond profit maximization by incorporating ethical considerations such as fairness, transparency, and social responsibility. Novelty: This research highlights that this approach goes beyond profit maximization by incorporating ethical considerations such as fairness, transparency, and social responsibility, making it highly relevant for Islamic fashion businesses. Conclusions: By providing a practical model for operationalizing Islamic principles in marketing strategies, this research offers valuable insights for Shariah-compliant businesses seeking to balance commercial success with religious values in a competitive marketplace. Type of Paper: Research Article.
SOCIOECONOMIC DETERMINANTS OF CIRCULAR MIGRATION OF WORKERS: EMPIRICAL EVIDENCE FROM THE RETAIL INFORMAL SECTOR Muzayyana, Yaqinatul; Hastriana, Anna Zakiyah
JURNAL PROFIT Vol 10, No 1 (2026): Economic And Investment
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v10i1.14019

Abstract

Circular migration is a form of non-permanent labor mobility that is commonly carried out by rural communities in response to limited employment and inequality of welfare between regions. This phenomenon is especially prevalent in the urban informal sector, including small retailers such as grocery stores, which are relatively accessible to the workforce even with low educational backgrounds. This study aims to evaluate the influence of employment opportunities, wage rates, and family dependents on the circular migration of workers from Lenteng District, Sumenep Regency. The research applied a quantitative design using a survey of 100 respondents chosen through purposive sampling. Primary data were gathered via a five-point Likert-scale questionnaire and processed using multiple linear regression with SPSS. The findings indicate that employment opportunities, wage rates, and family dependents positively and significantly affect circular migration, both individually and collectively. These findings emphasize the importance of strengthening the rural economy and protecting the informal retail sector as an effort to mitigate welfare inequality between regions.
The Role of Dividend Policy and Investment Decisions in Shaping Firm Value: Evidence from Indonesian Islamic Capital Market Tajus Subqi; Maksum Maksum; Atep Hendang Waluya; Anna Zakiyah Hastriana; Rustam Rustam
Shirkah: Journal of Economics and Business Vol. 10 No. 3 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v10i3.725

Abstract

While the previous studies have mentioned the effect of dividend policy and investment choice on the value of a firm, the effect of these variables on the value of a firm in the Islamic Capital Market of Indonesia has not been studied. Responding to this gap, the present study assesses the effect of dividend policy and investment choice on the value of a firm and examine how the dividend policy and investment choice affect the relationships of ownership structure, capital structure, profitability and corporation growth on the value of a firm. The study employed a quantitative method and collected data from 71 companies registered under the Indonesian Sharia Stock Index (ISSI) from 2016 to 2021. Using the software SmartPLS, the researchers did a Partial Least Squares (PLS) analysis to derive the required data. The results disclose that investment and dividend policies mediate the impact of capital structure on firm value but do not mediate the influence of ownership structure. Specifically, investment choice positively affects profitability, while dividend choice has a negative effect; furthermore, only dividend choice mediates corporate growth. Overall, both policies significantly determine firm value, particularly through their connection to capital structure and corporate growth. Managers and policymakers in the Indonesian Islamic capital market should strategically align dividend and investment policies with capital structure and growth considerations to enhance firm value in a Sharia-compliant context.
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 Liaqodatul mahmudah Maksum Maksum Muzayyana, Yaqinatul Noer Hasanah Nurissyarifah Putri Amalia Rahayu Mardikaningsih Rahmah, Salimatur Rustam Rustam Sari, Fatima Savila, Evi Siyah, Sundu Tajus Subqi Ulfatun Hasanah, Alief Yanti Yanti Yanti Yanti