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All Journal Global Review of Islamic Economics and Business Jurnal Ilmiah Ekonomi Islam Jurnal Ilmu Keluarga dan Konsumen JURNAL EKONOMI SYARIAH AL-ARBAH: Journal of Islamic Finance and Banking Journal of Economics Research and Social Sciences Al-Mashrof: Islamic Banking and Finance Al-Muamalat : Jurnal Ekonomi Syariah Az Zarqa': Jurnal Hukum Bisnis Islam Journal of Economics Research and Policy Studies Muslim Business and Economic Review Jurnal Indonesia Sosial Teknologi Journal Research of Social Science, Economics, and Management
Salam, Annisa Nur
UIN Sunan Gunung Djati Bandung, Indonesia
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences

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E-Money Based Boarding School Cooperative Development Model (Kopontren) As An Sharia Economic Acceleration Effort In Indonesia Marwini, Marwini; Salam, Annisa Nur
AL-ARBAH: Journal of Islamic Finance and Banking Vol 2, No 1 (2020)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.v2i1.5496

Abstract

AbstractPurpose - This research aims to know E-money based boarding school cooperative (Kopontren) development models.Method - This research is used descriptive qualitative by discussing the development of the co-model with sharia economic agreements and e-money as a transaction tool.Result - The results of the research showed three models, namely development model of Islamic boarding school cooperative (Kopontren) as community economy developer, model of sharia agreement implementation in Kopontren operations, and e-money application as transaction media in Kopontren business unit.Implication - This study uses the data from the study of literature.Originality- The paper looks into the development model of the co-op with e-money based. Previous studies have only focused on development models. This paper contributes to introducing the application of an inclusive financial system. 
Determinants of Mudharabah Term Deposit: A Case of Indonesia Islamic Banks Umam, Fachru Nurul; Salam, Annisa Nur; Rizal, Achmad
Journal of Economics Research and Social Sciences Vol 5, No 2 (2021): August
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jerss.v5i2.12445

Abstract

The growth of Islamic finance industries in Indonesia has shown significant improvement. The increased number of surplus units depositing their funds in Islamic banks has become a significant factor in their trust and confidence in Islamic banking products. One of the products utilized by the depositor is the mudharabah deposit product, where the Islamic bank offers higher profit compared to other types of deposit or saving. This paper aims to analyze the issues in a mudharabah term deposit in the Islamic banking industry in Indonesian Islamic banks. The issues concern more on the profit and risk in the mudharabah concept that has been applied in Islamic banks and the variables that affect the changes in mudharabah deposit product. We used the sample to analyze the issues by selecting 14 Islamic banks in Indonesia from 2011-2020.  This research uses a quantitative approach with multiple linear regression analysis methods. Several variables are considered the independent variables to know the changes in the demand of mudharabah deposits in the Islamic bank, including interest rate, profit rate, number of office or branch units, and non-performing financing. Our analysis shows that the number of offices or branch units and non-performing financing positively impact the changes in demand of mudharabah deposits, while the interest rate and profit rate have a negative impact on mudharabah deposits.
Pengentasan Kemiskinan Melalui Pengembangan Badan Umum Milik Desa (BUMDES) az-zarqa, az-zarqa; Salam, Annisa Nur; Marwini, Marwini
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol. 10 No. 2 (2018): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/azzarqa.v10i2.1748

Abstract

Berbicara kemiskinan sama halnya dengan membahas permasalahan klasik yang sifatnya mendunia. Pasalnya, topik kemiskinan ini sudah tentu dibicarakan di berbagai negara dari tahun ke tahun karena pada dasarnya setiap negara pernah mengalami kemiskinan. HDR[1] (2011) mempublikasikan bahwa sekitar 30% populasi dunia (1.56 milyar) hidup dalam kemiskinan multidimensional; 50% populasi dunia (3 milyar) hidup dengan pendapatan kurang dari 2.5 dollar per hari; dan 80% populasi dunia hidup dengan pendapatan kurang dari 10 dollar per hari. Hal lain yang cukup mengejutkan dan perlu digarisbawahi bahwa angka terbesar dari penduduk miskin dunia adalah muslim dan sebagian besar berada di wilayah pedesaan. Oleh sebab itu, diperlukan media pengentas kemiskinan yang pro Islam dan dapat dikembangkan di wilayah desa. Dalam hal ini penulis mencoba mengembangkan model Badan Usaha Milik Desa (BUMDes) dengan operasional berbasis ekonomi syariah melalui Lembaga Keuangan Mikro Syariah (LKMS) sebagai lembaga pendorong finansial bergeraknya usaha-usaha desa. Keberadaan BUMDes LKMS ini mampu menjadikan masyarakat miskin menjadi masyarakat yang sejahtera. Adapun metode yang digunakan dalam penulisan ini ialah metode analisis deskriptif. Penulis melakukan library research mengenai tema terkait baik itu dalam ranah teoritis maupun praktis yang terdapat di Indonesia. Harapannya, model pengembangan BUMDes dengan basis ekonomi syariah ini dapat dijadikan percontohan oleh berabagi negara, sehingga mampu mengoptimalkan potensi desanya dan terhindar dari kemiskinan yang selama ini menjadi polemik. [1] Human Development Report (HDR) United Nations Development Program, 2011. 
The Impact of Comprehensive and Progressive Trans-Pacific Partnership Free Trade Agreement on Indonesian Economy Aris Munandar; Annisa Nur Salam; M. Taufik Ridho
Global Review of Islamic Economics and Business Vol 8, No 1 (2020)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/grieb.2020.081-04

Abstract

Islamic law is inclined toward free trade and condemned imposing tariffs on trade with other states. Even when tariffs were imposed, they were imposed based on reciprocity. The Comprehensive and Progressive Trans-Pacific Partnership (CPTPP) is a free trade agreement to realize tariff elimination. CPTPP was signed by 11 countries in Santiago, Chile, on March 8, 2018, and this renewed agreement attracted Indonesia to join. This study analyzes the possible impact of CPTPP implementation on the Indonesian economy using the Global Trade Analysis Project (GTAP) model. We conduct a simulation to evaluate the impact of CPTPP on the Indonesian economy. The results show that the implementation of CPTPP leads to an increase in the real GDP and welfare of Indonesia. Also, the study found that CPTPP is beneficial to members. These results generally justify the elimination of tariffs promoted by Islamic law.
Zakah Fund Distribution Model Trough Takaful Institution for The Welfare of The Poor Farmer Intan Puspitasari; Neneng Ela Fauziyyah; Annisa Nur Salam
Global Review of Islamic Economics and Business Vol 4, No 1 (2016)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (477.116 KB) | DOI: 10.14421/grieb.2016.041-04

Abstract

Various poverty alleviation programs are always launched by the government from year to year. But it is not able to change the state of this country to become more self-sufficient and prosperous. If explored further, the majority of people classified as poor are working as farmers. Therefore, it is necessary to alleviate poverty policy that focuses on the welfare of farmers. So that when the policy is successfully realized, the majority of the poor in Indonesia will be able to independently through the development of the agricultural sector. One of the problems faced by farmers is weak stimulus funds from financial institutions. Due to the agriculture sector is seen as high risk, the financial institutions tend to feel worried if that financing for the sector. In anticipation of losses on crop failure, it is important applied an insurance that serves to protect the farm. So that financial institutions have the courage to do the financing for the agricultural sector. Meanwhile, zakat is one of the Islamic public financial instruments with the potential to be developed. Zakat funds channeled to 8 asnaf, including for the poor. So, it is possible if the charity can be used as agricultural insurance fund for farmers who are poor. Based on the explanation, this paper is intended to offer a model of the distribution of zakat to the poor farmers through takaful. The hope when this model is applied, will invite many financial institutions in stimulating agricultural business funds. The final implications are the farmers’ productivity increased and the quantity of the poor in Indonesia will be reduced.
Determinants of Mudharabah Term Deposit: A Case of Indonesia Islamic Banks Fachru Nurul Umam; Annisa Nur Salam; Achmad Rizal
Journal of Economics Research and Social Sciences Vol 5, No 2: August 2021
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jerss.v5i2.12445

Abstract

The growth of Islamic finance industries in Indonesia has shown significant improvement. The increased number of surplus units depositing their funds in Islamic banks has become a significant factor in their trust and confidence in Islamic banking products. One of the products utilized by the depositor is the mudharabah deposit product, where the Islamic bank offers higher profit compared to other types of deposit or saving. This paper aims to analyze the issues in a mudharabah term deposit in the Islamic banking industry in Indonesian Islamic banks. The issues concern more on the profit and risk in the mudharabah concept that has been applied in Islamic banks and the variables that affect the changes in mudharabah deposit product. We used the sample to analyze the issues by selecting 14 Islamic banks in Indonesia from 2011-2020.  This research uses a quantitative approach with multiple linear regression analysis methods. Several variables are considered the independent variables to know the changes in the demand of mudharabah deposits in the Islamic bank, including interest rate, profit rate, number of office or branch units, and non-performing financing. Our analysis shows that the number of offices or branch units and non-performing financing positively impact the changes in demand of mudharabah deposits, while the interest rate and profit rate have a negative impact on mudharabah deposits.
Determinants of Mother's Financial Literacy on Family Economic Welfare: Maqashid Sharia Analysis Siti Nur Azizah; Annisa Nur Salam
Journal Research of Social Science, Economics, and Management Vol. 1 No. 2 (2021): Journal Research of Social Science, Economics and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (862.16 KB) | DOI: 10.59141/jrssem.v1i2.12

Abstract

This study involved determinants of maternal financial literacy on household welfare from the perspective of maqashid al-syariah. This study used two waves of IFLS, namely IFLS-4 (2007) and IFLS-5 (2014). In addition, several data related to the value of household assets and household characteristics are available based on IFLS-4 (2007). The study uses a quantitative approach with descriptive analysis and regression using the Ordinary Least Square (OLS) method. The findings in this study include the expenditure variable has no significant effect on the family welfare variable. The social consumption variable has a negative and significant impact on family welfare. The savings variable has a positive and significant effect on family welfare. The variable was to borrow funds has a positive and significant effect on family welfare. The pension fund variable has a positive and significant effect on family welfare. Mother's education variable has a negative and significant effect on family welfare. The variable number of family members has a positive and significant effect on the family's economic interest. The variables of residence and year have no significant impact on the family's economic welfare.
Optimization of Halal Industrial Products with the Assistance of Digital Technology in the Industrial Revolution Era 4.0 Fauzan, Ariq Putra; Athoillah, Anton; Salam, Annisa Nur
JURNAL EKONOMI SYARIAH Vol 8, No 2 (2023): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v8i2.7778

Abstract

Introduction to The Problem: Digital transformation brings great influence and change in manysectors, and the industrial sector is no exception. However, the halal industry must be able to adapt totechnological developments to seek a wider market share.Purpose/Objective Study: This research aims to discuss the optimization of the halal industry in orderto maintain and be able to compete in the era of digital technology.Design/Methodology/Approach: This research aims to discuss the optimization of the halal industry tomaintain and be able to compete in the era of digital technology. This research uses a qualitativedescriptive method with literature study data collection techniques, by reading articles in journals, books,and other media as a reference source.Findings: The large number of technology users in the form of the internet can be used by businesspeople engaged in the halal industry to do marketing via the internet. Business people in the halal industrywho carry technology in it will have a greater chance of success.Paper Type: Research Article
Investigating Determinants of Intention in Cash Waqf Linked Sukuk for Sustainable Agriculture: The Moderating Role of Environmental Awareness Salam, Annisa Nur; Sutisna, Fajar Andrian
Muslim Business and Economics Review Vol. 3 No. 2 (2024)
Publisher : Universitas Islam Internasional Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56529/mber.v3i2.302

Abstract

The role of cash waqf linked sukuk (Islamic bonds linked to endowments) should be developed to enhance the green economy, particularly in the sustainable agriculture sector. This study investigates the influence of Islamic religiosity, knowledge, and trust in nazhir (waqf managers) on the intention to engage in cash waqf linked sukuk transactions for sustainable agriculture. This study also analyzes the moderating role of environmental awareness as an important factor in the green economy. Primary data was collected through questionnaires disseminated to 150 respondents and Partial Least Squares Structural Equation Modeling (PLS SEM) was employed to analyze the data. The findings indicate that environmental awareness and trust nazhir are significant determinants of the intention to engage in cash waqf linked sukuk transactions for sustainable agriculture. Environmental awareness is also found to be significant in moderating the influence of Islamic religiosity. The implications suggest that to enhance community participation in cash waqf linked sukuk for sustainable agriculture, it is imperative to build trust in nazhir, increase environmental awareness, and target individuals who uphold Islamic values.
Analysis of the Trickle-Down Effect and Multiplier Effect of Religious Tourism at Al-Jabbar Mosque: How does it impact local MSME? Sutisna, Fajar Andrian; Sopiah, Evi; Salam, Annisa Nur
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 11 No. 2 (2024): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i2.37955

Abstract

This research aims to analyze the trickle-down and multiplier effects of the Al-Jabbar Mosque as a religious tourism site using a qualitative approach and descriptive analysis method using NVivo software. Primary data was collected through interviews with 20 tourists, 10 local MSME actors, 5 MSME employees, also the food court manager, and Al-Jabbar Mosque management. The findings reveal that the presence of Al-Jabbar Mosque generates a trickle-down effect by creating business potential and job opportunities for the local community. Local Community can engage in trade within the food court, also benefit from special programs like rental fee discounts. Additionally, there are employment opportunities at the mosque, such as security. The mosque also opens opportunities for MSME employment and open service, such as photography. Currently, 70% of the 550 mosque employees are local residents. Tourist visits directly impact Rp144.648.000.000 monthly to local MSME income, assuming 344,941 visitors per month with an average expenditure of Rp344,833 on food, photography, and other services. Mathematical analysis shows a multiplier effect value of 1.22, indicating that for every Rp100,000 increase in tourist spending, local MSME income rises by Rp122,000. Practically, the research suggests that Al-Jabbar Mosque management should collaborate with the local community to develop new businesses.
Co-Authors Abd. Rasyid Syamsuri Achmad Rizal Ahmad Zaenal Arifin Anton Athoillah Aris Munandar az-zarqa, az-zarqa Evi Sopiah, Evi Fachru Nurul Umam Fauzan, Ariq Putra Intan Puspitasari Lailatis Syarifah lailatis syarifah, lailatis M. Taufik Ridho Marwini Marwini Muhfiatun, Muhfiatun Muhfiatun, Muhfiatun Neneng Ela Fauziyyah Nugraha, Handy Nur Andriyani Nuraeny, Reny Reny Nuraeny Siti Aisyah Siti Nur Azizah Siti Nur Azizah Siti Nur Azizah, Siti Siti Nur Azizah, Siti Nur Sutisna, Fajar Andrian Umam, Fachru Nurul