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All Journal IQTISHODUNA Journal of Economic, Bussines and Accounting (COSTING) Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
Umrotul Khasanah
UIN Maulana Malik Ibrahim Malang
Economics, Econometrics & Finance

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Peran Nilai Islami Anggota Koperasi dalam Meningkatkan Eksistensi Lembaga Witri Retno Handayani; Umrotul Khasanah
IQTISHODUNA IQTISHODUNA (VOL.17, No.1, 2021)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (599.439 KB) | DOI: 10.18860/iq.v17i1.9821

Abstract

The role of Islamic values in an institution properly and correctly will influence people's decisions to become members of the institution. This study aims to analyze the role and implications of Islamic values of the members of the KSU SWM Malang city, in improving the existence of the institution. The method used is descriptive qualitative research methods. Data collection techniques with in-depth interviews, observation and documentation. The informants in this study were several traders of the Dinoyo traditional market in Malang city, the chairman of the SWM cooperative management and the manager of the SWM cooperative. The results of the study found that the Islamic value of the members of the SWM cooperative was shown in the form of solidarity / teamwork, sincerity and trust in the good performance of the management, as well as the KSU-SWM manager.
Peran Literasi Keuangan Syariah Memoderasi Sikap, Norma Subjektif dan Persepsi Kontrol Perilaku Terhadap Keputusan Investasi Amilia Agustin; Umrotul Khasanah
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 1 (2023): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i1.6279

Abstract

Indonesia's Muslim population is one of the largest in the world. This is expected to encourage the growth of the Islamic capital market, especially Generation Z which is the country's main development asset. The purpose of this study was to analyze the influence of attitudes, subjective norms and perceptions of behavioral control on the investment decisions of Generation Z investors, with Islamic financial literacy as a moderating variable. This type of research is a quantitative study involving Gen Z stock investors. The data collection technique used a purposive sampling questionnaire as a sampling method. Moderated regression analysis (MRA) and classical assumption test were used as analysis tools. The number of samples is 400 respondents. The results of the study show that the attitude variable has a significant effect on investment decisions. The subjective norm variable has no significant effect on investment decisions. The variable perceived behavioral control has a significant effect on investment decisions. And Islamic financial literacy is able to mitigate the impact of attitudes, subjective norms and perceptions of behavioral control on investment decisions. Keywords: Attitude, Subjective Norm, Perceived Behavior Control, Investment Decision, Islamic Financial Literacy
Studi Inovasi dan Praktik Akad Ganda Sistem Keuangan Islam Tradisional Berbasis Fatwa Ulama Lokal Muhammad Djakfar; Umrotul Khasanah; Meldona Meldona
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 11 No. 2 (2019)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v11i2.5188

Abstract

Food production financing is expensive because facility inputs controlled by Trans-National Corporation (TNC), and output is conducted by traders using the bonded system. This condition leaves farmers in a dilemma position so that farmers make innovations and practice multiple contracts in the traditional Islamic financial system based on the fatwa of local ulama. The purpose of this study is to uncover the views of farmers, disclose opinions or views of ulama, and reveal the model of financing applications based on traditional Islamic financial systems and the application of dual contracts that apply in the farming community. This research puts forward a descriptive qualitative research method with case studies on farmers in Probolinggo Regency and Malang Regency, East Java. This research model uses qualitative methods that are concerned with the meaning, context and emic perspective. Data analysis through a phased approach, namely: analyzing important statements, formulating, describing, reducing data to the findings, propositions and conclusions. Data collection and analysis carried out simultaneously; prioritize observations and interviews and the researcher himself as the main instrument. The research findings show that farmers in Probolinggo Regency and Malang Regency, East Java Province have innovated and practised a dual agreement in the traditional Islamic financial system based on the fatwa of local ulama. The motive of the farmers to do the work is to avoid the practice of usury which is prohibited. The results showed that there were four traditional Islamic financial models practiced by farmers, namely: (1) the leasing model, (2) the buying and selling model "binding" with the usual profit sharing, (3) the buying and selling model "binding" with the profit-sharing half and (4) buying and selling model "binding" with profit-sharing.Keywords: Dual Agreement, Financing, Islamic Financial Model, views of ulama, farmers
Manajemen Kelembagaan Wakaf Produktif : Model Tata Kelola dan Tantangan di Era Modern Sarina Junita; Umrotul Khasanah
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 6 No. 2 (2026): Juli : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v6i2.10062

Abstract

This study examines the institutional management of productive waqf as a strategic instrument in promoting the economic and social welfare of the Muslim community in the modern era. The research focuses on productive waqf governance, the institutional role of nazhir, and the challenges encountered in its implementation. The main issue addressed in this study is the suboptimal management of productive waqf due to limited professionalism of nazhir, weak governance systems, low levels of waqf and digital literacy, and the lack of integration between regulatory frameworks and supporting technologies. The objectives of this study are to analyze models of productive waqf governance, identify institutional challenges, and formulate strategies for strengthening sustainable waqf institutions. This research employs a qualitative method with a literature review approach through a critical examination of scientific journals, books, and other relevant secondary sources. The findings indicate that productive waqf managed professionally, transparently, and in accordance with Sharia principles is capable of generating significant impacts on community economic empowerment, particularly through microenterprise financing, education, and social services. Digitalization and institutional collaboration are proven to be key factors in enhancing the effectiveness and accountability of waqf management. This study concludes that institutional strengthening, the implementation of good waqf governance, and the integration of digital technology are essential prerequisites for productive waqf to function optimally as an equitable and sustainable instrument of Islamic economic development.
Co-Authors Amilia Agustin Meldona Muhammad Djakfar Muhammad Djakfar Sarina Junita Witri Retno Handayani