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All Journal Tazkia Islamic Finance and Business Review Istinbath: Jurnal Hukum dan Ekonomi Islam Equity: Jurnal Ekonomi IIJSE
Zaenafi Ariani
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Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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POLA SCALE UP BISNIS SAMPAH BERBASIS AL-MAQASID AL-SYARIAH DI BANK SAMPAH INDUK REGIONAL BINTANG SEJAHTERA Zaenafi Ariani; Nurjannah S; Nur Fitri Hidayanti
istinbath Vol 20 No 2 (2021): Desember 2021
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v20i2.388

Abstract

Di Nusa Tenggara Barat, jumlah bank sampah binaan Bank sampah Induk Regional Bintang Sejahtera (BSIR-BS) adalah sebanyak 115 BSU pada tahun 2018 dan meningkat menjadi 259 BSU pada tahun 2019. Bisnis pengelolaan sampah dengan konsep ekonomi syariah, semakin diterima oleh masyarakat. Transaksi jual beli sampah (muamalah) tidak hanya bertujuan pada keuntungan semata, tetapi selaras dengan moral, etika dan tujuantujuan syariat. Metode penelitian adalah kualitatif, dengan pendekatan kasus (case approach). Analisis data bersifat deskriptif kualitatif, perolehan data melalui studi kasus dan studi literatur. Hasil temuan riset adalah (BSIR-BS) merupakan bank sampah yang fokus dan komitment terhadap pengembangan tata niaga persampahan di NTB, dengan konsep “Bersama kami merubah sampah menjadi rupiah, merubah masalah menjadi berkah”. Konsep tersebut merupakan derivasi dari terlaksananya scale up bisnis sampah yang selaras dengan tujuan-tujuan syariat (al-maqasid al-syariah). Scale up bisnis pengelolaan bank sampah dilakukan dengan beberapa tahapan. Pertama, minimalisasi dampak lingkungan yang ditimbulkan dengan pengukuran kuantitas sampah yang bisa dikelola dan memiliki nilai ekonomi. Aspek kompetensi, kualitas, moral etis, amanah, dalam proses tata niaga bisnis sampah, sebagai upaya hifzu dien (menjaga agama), dan hifzu al-nasb (menjaga keturunan). Kedua pengetahuan pemahaman dan kesadaran terhadap pengelolaan sampah sebagai sumber daya, sebagai upaya hifzu al-nafs (melindungi jiwa), hifzualaql (melindungi akal). Ketiga, peningkatan jumlah bank sampah unit yang dibina, membangun jaringan yang lebih luas, melalui edukasi, penguatan ekonomi nasabah sebagai upaya hifzu al-mãl (melindungi harta).
The Influence of E-Money Usage Frequency and Understanding of Sharia Principles on Millennial Consumptive Behavior Merry; Nur Fitri Hidayanti; Zaenafi Ariani; Mukhlishin
Equity: Jurnal Ekonomi Vol 13 No 2 (2025): Equity : Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v13i2.592

Abstract

The utilization of electronic money (e-money) has significantly increased in the era of digitalization, altering the consumption patterns of Muslim millennials in Mataram. This study aims to investigate the impact of the frequency of e-money usage and the level of understanding of Sharia principles on Sharia-compliant consumption behavior. Employing a quantitative research design, the study surveyed 93 respondents selected through simple random sampling. Data analysis was conducted using multiple linear regression with the assistance of SPSS software. The findings reveal that the frequency of e-money usage exerts a positive and statistically significant influence on consumption behavior aligned with Sharia principles, exhibiting a coefficient of 54.4% and a significance value of 0.00. Furthermore, the understanding of Sharia values demonstrates a positive effect of 28.3%, with a significance value of 0.013. Collectively, these two variables exert a robust influence on Sharia-oriented consumption behavior, as indicated by an F value of 51.99 and an R-squared value of 52.6%. These results suggest that an increased frequency of e-money usage, coupled with a deeper understanding of Sharia principles, corresponds to more ethical and balanced consumption behavior among Muslim millennials. Consequently, it is imperative to enhance digital literacy in conjunction with strengthening Sharia financial literacy, ensuring that the adoption of financial technology aligns with the objectives of Maqashid al-Syariah in fostering economic welfare and accountability in the digital age.
The Impact of Sharia Fintech and People's Business Credit (KUR) on the Sustainability of MSMEs in Mataram City Safina; Nur Fitri Hidayanti; Zaenafi Ariani; Mukhlishin
Equity: Jurnal Ekonomi Vol 13 No 2 (2025): Equity : Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v13i2.598

Abstract

This study aims to analyse the impact of Sharia Fintech and People's Business Credit (KUR) on the sustainability of MSMEs in Mataram City. This study is important because MSMEs still have limited access to financing, so the use of technology-based financial services and subsidised credit programmes is necessary to support business continuity. The study uses a quantitative approach with a survey method of 100 MSME actors selected through purposive sampling. The research instrument is a questionnaire with a 1–5 Likert scale, which is then analysed using multiple linear regression through SPSS version 22. The results show that Sharia Fintech has a positive and significant effect on the sustainability of MSMEs, as reflected in increased access to financing, operational efficiency, and innovation capabilities. In addition, KUR also has a positive and significant effect on the sustainability of MSMEs through capital strengthening, increased production capacity, and improved business stability. Simultaneously, both variables were proven to contribute significantly to the sustainability of MSMEs in Mataram City. Thus, it can be concluded that the integration of Sharia-based technology financing and government credit programmes can improve the sustainability performance of MSMEs and has the potential to become a strategic instrument in local economic development.
Sharia Digital Marketing as an Effort to Increase the Income of MSMEs in North Lombok Regency Rezky Chikal Pratama; Zaenafi Ariani; Ahadiah Agustina
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.5392

Abstract

Marketing through digital media has become a common step for MSME actors. This makes it easier for them to reach consumers, especially in the modern era when consumers can easily find the products they want. Digital marketing strategy is the key to improving and developing MSME businesses in a better direction in the future. This study uses a descriptive qualitative research method with data collection and analysis techniques involving observation, interviews, and the use of secondary data such as journals, articles, books, and related mass media. The data analysis technique used is Miles and Huberman analysis, which includes data collection, data reduction, data presentation, and drawing conclusions or verification. The results of the study show that digital marketing to MSMEs in Tanjung District has used various applications such as WhatsApp, Instagram, TikTok, and Facebook. The use of these applications is very helpful in increasing product marketing, not only among local people but also reaching consumers from various regions. However, the scope of digital marketing has a positive impact although it may not always be in accordance with expectations.
The Influence of the Principles of Trust and Justice on the Quality of Financial Reports in Sharia Financial Institutions Suci; Zaenafi Ariani; Sahman Z
Tazkia Islamic Finance and Business Review Vol. 19 No. 2 (2025): TIFBR
Publisher : Faculty of Islamic Business and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v19i2.458

Abstract

This study aims to analyze the influence of trustworthiness and fairness on the quality of financial statements in Islamic financial institutions. Previous research that largely emphasized governance and compliance with Islamic principles shows that these ethical values need to be examined as key determinants of financial reporting integrity. Trustworthiness and fairness are considered highly relevant because they represent the moral foundation of Islamic financial practices, particularly in promoting transparency, accountability, and objectivity in the presentation of financial information. This study employs a quantitative approach using a Likert-scale questionnaire distributed to 144 respondents. The data were analyzed through validity and reliability testing as well as multiple linear regression to determine the effect of both variables on financial statement quality. The results indicate that the regression model used is statistically significant and capable of explaining the influence of trustworthiness and fairness on report quality. Trustworthiness contributes positively, while fairness demonstrates a more dominant and consistent influence in improving the quality of financial statements. Descriptive findings show average values of 74.39 (74%) for trustworthiness, 72.85 (73%) for fairness, and 73.91 (74%) for financial report quality, all categorized as high. These results confirm that trustworthiness and fairness function not only as moral values but also as strategic factors that strengthen the credibility and integrity of financial reporting.
Co-Authors Ahadiah Agustina Merry Mukhlishin Nur Fitri Hidayanti Nurjannah S Rezky Chikal Pratama Safina Sahman Z suci