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All Journal IQTISHADIA Global Review of Islamic Economics and Business Jurnal Ilmiah Ekonomi Islam Jurnal Ilmu Keluarga dan Konsumen JURNAL EKONOMI SYARIAH Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam 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

Author-ID : 3087996

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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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

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

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

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

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.

EFEKTIFITAS INSTRUMEN MONETER SYARIAH TERHADAP PENYALURAN DANA KE SEKTOR USAHA MIKRO KECIL MENENGAH (UMKM) DI INDONESIA Muhfiatun, Muhfiatun; Syarifah, Lailatis; Salam, Annisa Nur
Al-Mashrof: Islamic Banking and Finance Vol. 2 No. 1 (2021): Al - Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v2i1.8743

Penelitian ini bertujuan untuk melihat sejauh mana instrumen moneter syariah bergerak mendorong perbankan syariah memberikan pembiayaan kepada sektor Usaha Mikro Kecil Menengah (UMKM) di Indonesia. Variabel dependen dalam penelitian ini adalah pembiayaan yang diberikan oleh perbankan syariah kepada sektor UKM/UMKM di Indonesia. Sedangkan variabel independen dalam penelitian ini yaitu instrumen moneter syariah: SBIS, SBSN, PUAS, Equivalent Rate Musyarakah, Equivalent Rate Mudharabah, dan Average Margin Murabahah. Menggunakan data sekunder berupa time series dari Januari 2010 sampai Desember 2018. Data yang digunakan adalah data bulanan bersumber dari Statistika Ekonomi dan Keuangan Indonesia pada Bank Indonesia (SEKI-BI), Statistik Perbankan Syariah Indonesia (SPSBI) dan Biro Pusat Statistik (BPS). Sedangkan teknis analisis data yang digunakan adalah Metode Vector Autoregression (VAR) atau Vector Error Correction Model (VECM). Hasilnya menunjukkan bahwa Instrumen Moneter Syariah seperti SBIS, SBSN, dan PUAS tidak efektif mendorong penyaluran dana ke sektor UMKM di Indonesia Keywords: Efektivitas, Instrumen Moneter Syariah, Penyaluran Dana, Sektor UMKM, VAR/VECM

Analisis pengaruh industri pariwisata terhadap PDRB Jawa Tengah era pandemi covid-19 Andriyani, Nur; Salam, Annisa Nur
Journal of Economics Research and Policy Studies Vol. 2 No. 1 (2022): Journal of Economics Research and Policy Studies
Publisher : Nur Science Institute

This study aims to analyze the influence of the tourism industry on PDRB in 35 districts/cities of Central Java during the 2020–2021 COVID-19 pandemic era. Secondary data is obtained from the Central Statistics Agency (BPS). The independent variables used are the number of tourist attractions, the number of domestic tourists, the number of foreign tourists, the number of restaurants, and the number of hotels and other accommodations. The dependent variable is the regional income of the tourism sector. The research method used is panel data regression with a fixed-effect model. The study results partially show that the variable number of tourist attractions and the number of hotels and other accommodations positively and significantly affect GRDP. The variable number of restaurants and the number of foreign tourists negatively and significantly affect GRDP. At the same time, domestic tourists have no significant effect on GRDP. Simultaneously, the variables of the number of tourist attractions, the number of domestic tourists, the number of foreign tourists, the number of restaurants, and the number of hotels and other accommodations affect the GRDP. Strenuous efforts are needed for the tourism industry to restore tourism performance to be more optimal in contributing to the economy.

The Concept of Islamic Social Finance Development Based on Financial Technology to Realize a Prosperous Society Marwini, Marwini; Salam, Annisa Nur
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.11082

Prosperity is a great goal that every country in the world aspires to. However, this condition will certainly not be achieved without a problem called poverty. If you look at the available data, about 30% of the world's population (1.56 billion) lives in multidimensional poverty; 50% of the world's population (3 billion) lives on less than $2.5 a day; And 80% of the world's population lives on less than $10 a day. This shows that Welfare in the world is only enjoyed by a small part of the population. A study published that OIC (Organization of Islamic Cooperation) member countries generally have a lower HDI (Human Development Index) than non-OIC countries. If viewed further, Islam has various solutions to avoid poverty through Islamic social finance instruments. Zakat, Infaq, and Waqf have great potential to be developed to prosper the community. So, in this paper, we will discuss the financial technology model used to develop the role of Islamic social finance instruments such as Zakat, infaq, and waqf. So that social and financial institutions can continue to develop various empowerment programs to prosper the community.

Apakah Kebijakan Pemberlakuan Pembatasan Kegiatan Masyarakat Darurat (PPKM) Berpengaruh Terhadap Ketahanan Keluarga Pedagang Di Kebumen Nuraeny, Reny; Nur Azizah, Siti; Nur Salam, Annisa
Jurnal Indonesia Sosial Teknologi Vol. 2 No. 09 (2021): Jurnal Indonesia Sosial Teknologi
Publisher : Publikasi Indonesia

Pandemi Covid-19 telah memberikan dampak dari berbagai sisi kehidupan. Pengaruh paling besar yang dirasakan oleh para pedagang di Kebumen ialah adanya kebijakan Pemberlakuan Pembatasan Kegiatan Masyarakat (PPKM). Tujuan dari penelitian ini adalah menganalisis pengaruh kebijakan PPKM terhadap ketahanan keluarga pedagang dari sisi fisik, ekonomi dan ketahanan sosial-psikologisnya. Penelitian ini menggunakan 181 responden pedagang dari 20 area perdagangan di kebumen yang terdiri dari pasar tradisional dan market place. Model penelitian ini merupakan pengembangan dari teori ketahanan keluarga dimana variabel yang digunakan adalah kebijakan PPKM terhadap ketahanan fisik, ekonomi dan sosial-psikologis keluarga pedagang. Metode yang digunakan dalam penelitian ini menggunakan pendekatan kuantitatif dengan analisis deskriptif dan regresi dengan menggunakan metode kuadrat kecil (ordinary least square/ OLS). Hasil penelitian menunjukkan kebijakan PPKM berpengaruh negatif terhadap ketahanan fisik dan ketahanan ekonomi rumah tangga pedagang. Kebijakan PPKM telah memicu terjadinya kerawanan pangan dan ketahanan pangan keluarga, mengikis aktivitas produksi yang berdampak terhadap penurunan omzet dan pendapatan. Namun tidak berpengaruh terhadap ketahanan sosial-psikologi keluarga pedagang karena adanya nilai-nilai sosial yang internalisasi kuat dalam masyarakat mendukung ketahanan sosial-psikologis pedagang di Kebumen.

WORKING MOTHER AND FAMILY ECONOMY RESILIENCE IN THE COVID-19 ERA: EVIDENCE FROM INDONESIA Azizah, Siti Nur; Salam, Annisa Nur
Jurnal Ilmu Keluarga dan Konsumen Vol. 14 No. 3 (2021): JURNAL ILMU KELUARGA DAN KONSUMEN 14.3
Publisher : Department of Family and Consumer Sciences, Faculty of Human Ecology, IPB University

Covid-19 pandemic, which occurred in early 2020, has resulted in more than 50 percent of households experiencing financial difficulties, especially those who rely on personal businesses. This study aims to analyze the effect of working mothers on family economic resilience during the Covid-19 pandemic. This study obtained the primary data by distributing questionnaires to 173 respondents using the purposive sampling technique. The approach used is quantitative with Ordinary Least Square (OLS) as the data analysis method. The dependent variable is family economic resilience, and the independent variable is female workers. The results showed that working women could support and contribute to their households in helping meet the daily needs of their families. Thus, working mothers have a positive effect on household economic resilience during the Covid-19 pandemic. For this reason, during the Covid-19 period, a wife's role is needed to contribute to the family economy so that the family's economic resilience remains stable. Furthermore, this research revealed the importance of the government's roles and stakeholders to provide facilities such as working capital for women, availability of employment opportunities for women, and work regulations that support women in balancing their dual roles.

Sociodemography effect on digital financial inclusion in Indonesia: Evidence from the World Bank’s Global Findex Andriyani, Nur; Salam, Annisa Nur; Aisyah, Siti; Nugraha, Handy
Journal of Economics Research and Policy Studies Vol. 5 No. 3 (2025): Journal of Economics Research and Policy Studies
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jerps.v5i3.2013

Digital financial inclusion is an effective and efficient measure in accelerating financial inclusion, including in Indonesia. This study aims to analyze sociodemographic factors on the probability of digital payment usage. The data used comes from the World Bank Gallup World Poll Survey 2021 on the Global Financial Inclusion Index released by the World Bank, with 1,062 respondents. By applying logistic regression, this study explores the influence of sociodemographic factors such as gender, education, income, age, place of residence, and internet access on the probability of using digital payments. The results show an imbalance in gender, with women having a higher likelihood of using digital payments. Additionally, higher education and income levels increase the likelihood of using digital payments. However, there is an inconsistency where higher income actually reduces the likelihood of using digital payment services. On the other hand, there is a disparity in opportunities between individuals living in rural and urban areas and in accessibility to the internet. The U-shaped hypothesis regarding the relationship between age and digital payment usage is proven in this study. Overall, the results show that individuals with higher sociodemographic status are more likely to use financial technology.

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

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