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All Journal IJIBE (International Journal of Islamic Business Ethics) JIET (Jurnal Ilmu Ekonomi Terapan) Jurnal Ekonomi & Keuangan Islam MITRA: Jurnal Pemberdayaan Masyarakat Adzkiya : Jurnal Hukum dan Ekonomi Syariah KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH Airlangga International Journal of Islamic Economics and Finance AL-ARBAH: Journal of Islamic Finance and Banking Maliki Islamic Economics Journal International Journal of Islamic Economics (IJIE) Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah IJABAH: Indonesian Journal of Sharia Economics Business and Halal Studies BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Rachmania Nurul Fitri Amijaya
Faculty Of Economics And Bussiness, Universitas Airlangga, Surabaya, Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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The Role of Government, Islamic Banks, And Waqf in Inclusive Economic Development in Indonesia Musyaffa, Ahmad Naufal; Luthfi, Agus; Amijaya, Rachmania Nurul Fitri
Maliki Islamic Economics Journal Vol 5, No 1 (2025): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v5i1.32459

Abstract

This study examines the relationship between government spending variables, Islamic commercial bank financing, and waqf, focusing on the inclusiveness of economic development, using a quantitative approach to explanatory research. A panel data regression analysis model is used to test the hypotheses. The results of the analysis partially explain that government spending and Islamic commercial bank financing have a significant positive effect on the inclusiveness of economic development. Meanwhile, the waqf variable does not affect the inclusiveness of economic development. This study uses Ibn Khaldun’s hikkamiyah theory to explain economic development. By improving the quality of institutions, such as the government and financial sector, and applying fair principles in conducting economic development in Indonesia, inclusive economic development becomes more realistic.
HOW DO GEN Z MUSLIM CONSUMERS DECIDE TO PURCHASE UMAMA SCARF HIJABS ONLINE? Sayuti, Vina Nur Anis; Subagio, N. Ari; Amijaya, Rachmania Nurul Fitri
Airlangga International Journal of Islamic Economics and Finance Vol. 8 No. 01 (2025): JANUARY-JUNE 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v8i01.66284

Abstract

The large number of Muslim populations in Indonesia provides a large consumer potential for the business world. This can be seen from the many businesses that are now trying to meet consumer needs for sharia products and services, one of which is wearing the hijab. The purpose of this study was to analyze the significant influence of electronic word of mouth, influencer marketing, sales promotion and price on the purchasing decisions of generation Z Muslim consumers on the Umama Scarf hijab product. The sampling technique in this study used purposive sampling. The population in this study were generation Z Muslim consumers in Jember Regency who had made online purchases of the Umama Scarf hijab product twice. This study used multiple linear regression analysis methods. The results showed that the variables electronic word of mouth, influencer marketing, sales promotion and price had a significant effect on increasing purchasing decisions. This shows that generation Z pays attention to the intensity, content, and reviews of consumers who have purchased the Umama scarf hijab online. Purchasing decisions are influenced by the needs factor felt by generation Z in terms of decisions and how consumers experience information about the Umama Scarf hijab product from influencers. By offering discounts, free coupons to create better prices to increase purchasing decisions.
Analisis Perubahan Kebijakan Pajak di Negara GCC dalam Perspektif Ekonomi Islam Amijaya, Rachmania Nurul Fitri; Sholikhin, Mohammad Yusron
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i2.2859

Abstract

G.C.C. countries use oil as a significant source of state revenue because the G.C.C. region is a collection of world oil-producing countries. However, since the world oil price slumped from 2005-2008, governments have changed course by imposing taxes on their citizens. The point of this study is to argue the G.C.C. countries that have changed their tax-free system in their economy into countries that apply taxes today. Then, the views of some Muslim scientists related to taxation are related to changes in tax policy in G.C.C. countries. The qualitative method is used in this paper with a critical approach and analysis of several kinds of literature and financial reports relating to changes in tax policy in the G.C.C. area. The results of this study explain that the G.C.C. countries compile a value-added tax of 5%, which is applied to several basic needs such as food, clothing, water, and electricity bills. Later, some Muslim scientists agreed on the existence of taxes for the common good, a source of revenue for public facilities and services.
Pengaruh Zakat dan Investasi Terhadap Pertumbuhan Ekonomi di Jawa Timur Tahun 2016-2020 Windrayati, Dewi Ayu; Amijaya, Rachmania Nurul Fitri
IJABAH Vol. 2 No. 1 (2024): IJABAH
Publisher : UPT Penerbitan Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ijabah.v2i1.316

Abstract

This study aims to determine how the influence of zakat and investment on economic growth in East Java in 2016-2020. The research approach uses a quantitative approach. Using a population of 38 regencies / cities in East Java Province. The data analysis method used uses panel data regression which shows the results that the zakat variable has no significant effect on economic growth in East Java in 2016-2020. Meanwhile, the investment variable has a significant effect on economic growth in East Java in 2016-2020. These results show the importance of increasing awareness to implement zakat in the community so that it can have an influence not only regionally but also nationally.
Does Financial Risk Matter for Financial Performance in Sharia Banks? Amijaya, Rachmania Nurul Fitri; Alaika, Rochmatulloh
Jurnal Ilmu Ekonomi Terapan Vol. 8 No. 1 (2023)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jiet.v8i1.44675

Abstract

This study seeks to examine the impact of operational, liquidity, and credit risks on financial performance (ROA) at national Islamic commercial banks from 2015 to 2021. The model includes control variables such as technological risk (E-Banking) and macroeconomic variables (BI rate and inflation). This study used seven national Islamic banking businesses as examples. This work employs the panel data regression technique to investigate a mixture of time series from 2015 to 2021. In this study, the independent variables are credit risk as measured by Non-Performing Finance (NPF), liquidity risk as measured by Finance to Deposit Ratio (FDR), operational risk as measured by Operations Expenses to Operations Income (BOPO), and performance bank finances as measured by Return on Assets (ROA). According to the study's findings, the variable credit risk (NPF), operational risk (BOPO), and technological risk (E-Banking) all significantly and negatively affect financial performance (ROA). Meanwhile, neither liquidity risk nor inflation has a significant positive impact on financial performance (ROA). Furthermore, the BI rate has a negative, but not statistically significant, impact on financial performance (ROA).
DO SHARIA MUTUAL FUNDS, SHARIA BONDS (SUKUK), AND SHARIA STOCKS AFFECT INDONESIA'S ECONOMIC GROWTH? Khoirunisa, Nabilla; Amijaya, Rachmania Nurul Fitri; Santoso, Edy
Airlangga International Journal of Islamic Economics and Finance Vol. 8 No. 02 (2025): July-December 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v8i02.76697

Abstract

The growth of investment instruments is not always in line with national economic growth. This phenomenon raises questions about how much real influence Islamic capital market instruments have on Indonesia's economic growth. This study aims to examine the influence of sharia mutual funds, sharia bonds (sukuk), and sharia stock on Indonesia's economic growth from 2011-2024. This study uses a quantitative approach with Ordinary Least Squares (OLS) methods, multiple linear regression. The data used is quarterly time series data, with the sharia mutual fund indicator represented by the Net Asset Value (NAB), sukuk by the total issuance of corporate sukuk, and sharia stocks by the market capitalization of the Jakarta Islamic Index (JII). The results of the study show that, partially, sharia mutual funds and sharia stocks have a positive and significant effect on economic growth. However, Islamic bonds (sukuk) do not have a significant impact on economic growth. Keywords: Sharia Mutual Funds, Sharia Bonds, Sukuk, Sharia Stocks, Economic Growth
Sharia Financial Literacy, Religiosity, and MSME Loan Decisions at BSI in Genteng District Hidayah , Dita Nazillatul; Amijaya, Rachmania Nurul Fitri; Shulthoni, Moch.
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 8 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2026.8.1.30694

Abstract

Purpose - The purpose of this study is to examine the effect of Islamic financial literacy and religiosity on MSMEs’ decisions to apply for People’s Business Credit (KUR) financing in Banyuwangi Regency. Method - To achieve this purpose, the study uses a quantitative approach with a logistic regression analysis model to test the hypotheses. The number of respondents in this study was 100 MSME owners who had been running their businesses for at least 6 months and were located in Genteng District, Banyuwangi Regency. This study aims to determine the influence of Islamic financial literacy and religiosity on the decision to apply for a loan at Bank Syariah Indonesia's KUR program. Result - The findings of this research show that Islamic financial literacy has a positive effect on the decision to apply for KUR, and religiosity also has a significant positive effect on KUR application decisions among MSMEs in the area studied. Implication - The findings imply that improving Islamic financial literacy and strengthening sharia-based values can increase MSMEs’ willingness to access KUR financing. Therefore, Islamic banks and policymakers should prioritize financial education and value-based outreach to enhance MSME access to sustainable capital and support local economic development. Originality - This study is original in that it simultaneously examines Islamic financial literacy and religiosity as determinants of MSMEs’ decisions to apply for sharia-based KUR financing, using a logistic regression approach in a regional MSME context. Furthermore, there is a specific research gap, namely the limited empirical evidence that comprehensively analyzes how Islamic financial literacy and religiosity influence MSMEs' actual decisions to apply for Sharia-based KUR financing at the district level, particularly using a binary outcome-based dependent variable design (apply or not apply). Most previous studies have focused more on interests, perceptions, or preferences, rather than on quantitatively observed real-world decisions. Keywords: Islamic financial literacy, religiosity, Sharia KUR, MSME financing,, logistic regression, Bank Syariah Indonesia, Banyuwangi
Pengaruh Zakat dan Investasi Terhadap Pertumbuhan Ekonomi di Jawa Timur Tahun 2016-2020: The Influence of Zakat and Investment on Economic Growth in East Java 2016-2020 Windrayati, Dewi Ayu; Amijaya, Rachmania Nurul Fitri
IJABAH: Indonesian Journal of Sharia Economics, Business, and Halal Studies Vol. 2 No. 1 (2024): Ijabah Volume 2 Number 1 Year 2024
Publisher : IJABAH: Indonesian Journal of Sharia Economics, Business, and Halal Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ijabah.v2i1.316

Abstract

This study aims to determine how the influence of zakat and investment on economic growth in East Java in 2016-2020. The research approach uses a quantitative approach. Using a population of 38 regencies / cities in East Java Province. The data analysis method used uses panel data regression which shows the results that the zakat variable has no significant effect on economic growth in East Java in 2016-2020. Meanwhile, the investment variable has a significant effect on economic growth in East Java in 2016-2020. These results show the importance of increasing awareness to implement zakat in the community so that it can have an influence not only regionally but also nationally,
Co-Authors Adlani, Shofiyuddin Akmal Agus Luthfi Alaika, Rochmatulloh Alfaroby, Sulthan Hakim Aviecenna Asa Prayarsni Korina Bayu Arie Fianto Edy Santoso Endut, Wan Anisah Erlangga, Okyviandi Putra Hastacya, Dimas Jovanka Hermanto, Annisa Ramadhani Hidayah , Dita Nazillatul Hilda Lutfiani Khoirunisa, Nabilla Lutfiani, Hilda Moch. Shulthoni, Moch. Mohammad Saleh Mohammad Yusron Sholikhin Musyaffa, Ahmad Naufal N. Ari Subagio Pratiwi, Azizah Esti Purnamie Titisari Putra, Perdana Nanda Hari Rochmatulloh Alaika Sayuti, Vina Nur Anis Sholikhin, Mohammad Yusron Sri Herianingrum Supriani, Indri Windrayati, Dewi Ayu Yasin, Mohammad Zeqi