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The Impact of Halal Label in Halal Food Buying Decisions Afifah Nur Millatina; Fifi Hakimi; Risanda Alirastra Budiantoro; Muhammad Rizky Arifandi
Journal of Islamic Economic Laws Vol 5, No 1: January 2022
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v5i1.17139

The current development of the halal industry in the world has experienced a very significant increase to attract the attention of various groups. Trend indicators from the halal business can be seen in seven industrial sectors that continue to show an increase, including Islamic financial services, Halal food and beverages, Halal tourism, fashion, halal media and recreation, and well as halal pharmaceuticals and cosmetics. This study will raise the halal label on halal food and beverages in Indonesia. The quantitative research method used in this research is to apply Partial Least Square-Structural Equation Modeling (PLS-SEM) through Smart-PLS software. The sample of this research is 100, with the sampling technique used being non-probability sampling with the purposive sampling method. The results of this study are the significant influence of the halal label variable on purchase intention, purchase intention on buying decision, and the halal label variable on buying decision on halal food products in Indonesia. Alternatively, on product packaging, awareness of halal Indonesian society has begun to increase and make halal a lifestyle.

Blockchain zakat: An integrated financial inclusion strategy to manage Indonesia’s potential zakat funds Afifah Nur Millatina; Risanda A. Budiantoro; Rahmad Hakim; Febrianur Ibnu Fitroh Sukono Putra
Jurnal Ekonomi dan Bisnis Vol 25 No 1 (2022)
Publisher : Fakultas Ekonomika dan Bisnis Universitas Kristen Satya Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24914/jeb.v25i1.4111

Penelitian ini bertujuan menganalisis strategi inklusi keuangan terintegrasi dana zakat potensial di Indonesia melalui blockchain. Metode pendekatan yang digunakan adalah penelitian kualitatif dengan alat analisis berupa business model canvas. Teknik pengumpulan data menggunakan studi pustaka. Inti dalam pengelolaan dana zakat menunjukkan agar harta zakat tidak mengendap tanpa ada hasilnya. Semakin banyak dana zakat yang dikumpulkan, dikelola dan didistribusikan maka semakin besar juga kebermanfaatannya bagi mauquf alayh. Selain itu, semakin besar pula pahala kebaikan yang akan mengalir kepada pihak wakif dan semakin besar dana yang diterima nazhir. Hasil penelitian mengindikasikan bahwa program zakat blockchai membantu agar target atau sasaran dari pengelolaan zakat dapat tercapai, yaitu meningkatkan kebermanfaatan dari harta zakat; melakukan integrasi antarlembaga sehingga tidak saling tumpang tindih dalam mengembangkan zakat secara sistemik; menjalankan peran sebagai pengawas dalam perencanaan, pengorganisasian, pelaksanaan hingga evaluasi nazhir zakat; dan berkontribusi dalam pencapaian tujuan sosio-ekonomi pembangunan nasional baik dalam jangka pendek, menengah hingga panjang. Hal ini karena blockchain memfasilitasi transaksi yang lebih terdesentralisasi dan tanpa batas. Secara garis besar, penelitian ini menyimpulkan bahwa sifat desentraliasi dan borderless dari blockchain semakin meningkatkan potensi pengumpulan dan pemanfaatan zakat di Indonesia.

MEMBANGUN MINAT BACA USIA PRA SEKOLAH DENGAN PEMANFAATAN TAMAN BACA PADA TK ABA 04 KOTALAMA Muslikhati Muslikhati; Mochamad Novi Rifa’i; Fadilla Muhammad Mahdi; Afifah Nur Millatina; Sri Cahyaning Umi Salama
Bulletin of Community Service and Development Vol. 2 No. 2 (2022): JUNE
Publisher : Lembaga Pengkajian dan Pengembangan Masyarakat, Yayasan Cahaya Mulia Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (463.655 KB)

Purpose of the study: Assisting and building the interest in reading for pre-school age children by using a reading garden at ABA 04 Kotalama Kindergarten Methodology: In this study, the methods used are observation, procurement of reading books delivery of reading books and the use of books in the reading garden of TK ABA 04 Kotalama. Main Findings: During the service process, procurement of a reading garden can foster reading interest in children as early as possible while also teaching children to love books and take care of books. Applications of this study: The books consist of books on learning to read, daily etiquette and stories of the Prophet's example. Novelty/Originality of this study: Early childhood's love for books will increase the quality because of the increasing knowledge. Reading garden equipment can foster a love of reading for early childhood with reading that is in accordance with the level of education and reading material.

ANALISA INVESTASI BERLANDASAN HUKUM ISLAM Afifah Nur Millatina; Puti Khairani Rijadi
DIRHAM Jurnal Ekonomi Islam Vol 3, No 2 (2022): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53990/djei.v3i2.233

Many people still consider illegal investment activities to be the same as gambling games and so on, even though the Indonesian Ulema Council has carried out ijtihad and Ijma for good investment activities, starting from mutual funds, stocks, and so on. This research will examine all legal aspects regarding investment, the risks faced solutions to avoid investment risks, and so on in accordance with Islamic Sharia laws (Al-Qur'an, Al Hadith, Ijma, and Qiyas). and in investing, of course doing various things including analysis, so this research will discuss how to carry out an analysis of investments in accordance with Islamic law permissible (Al Qur'an, Al Hadst, Ijma, and Qiyas). This research was carried out from various literature and experiences of investors who have tasted a lot of sweetness and bitterness in the investment world. In the current era, there are very many investments that are lured to get 100% results in a short time, basically investing has a process and is not always profitable or even detrimental. This research will discuss dealing with all aspects of society that are deceived by fraudulent investments by theFinancial Services Authority.

PENDAMPINGAN PERENCANAAN KEUANGAN KELUARGA (SAKINAH FINANCE) DI NASYIATUL AISYIYAH KOTA MALANG Arif Luqman Hakim; Afifah Nur Millatina
RESONA : Jurnal Ilmiah Pengabdian Masyarakat Vol 7, No 1 (2023)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/resona.v7i1.1428

Pandemi Covid-19 memberikan banyak pelajaran bagi masyarakat, dari sisi kesehatan hingga ke ekonominya. Pengalaman dari pandemi mengharuskan kita untuk cepat beradaptasi dalam segala aktivitas, yang awalnya secara offline saat ini lebih terbiasa dengan online. Tidak hanya itu, dari sisi ekonomi juga sangat memberikan pengaruh yang sangat besar. Banyak masyarakat yang belum dan awam dalam mempersiapkan perencanaan keuangan, terlihat di saat pandemi banyak pengeluaran yang dibutuhkan, selain itu ada pembatasan aktivitas untuk bekerja atau berjualan yang berdampak pada berkurangnya pendapatan. Pengusul berencana mengadakan program pendampingan perencanaan keuangan keluarga di Nasyiatul Aisyiyah Kota Malang. Solusi yang bisa diberikan: (a) Penyuluhan tentang pentingnya mengatur perencanaan keuangan keluarga (sakinah finance) pada keluarga (b) Pembuatan perencanaan keuangan untuk keluarga. (c) Pendampingan terhadap mitra dalam pengisian buku perencanaan keuangan untuk keluarga. Metode yang akan digunakan; (1) Penyuluhan terhadap pengurus dan anggota Nasyiatul Aisyiyah Kota Malang, (2) Focus Group Discussion, (3) Pendampingan. Tujuan dari pengabdian ini adalah pada generasi muda dan bagi yang belum atau yang sudah berkeluarga di Nasyiatul Aisyiyah agar lebih mengenal rencana keuangan, karena dengan menambah wawasan mengenai rancangan keuangan akan jadi berkompeten ketika mengelola keuangan di dalam keluarga.Â Abstract. Â The Covid-19 pandemic provides many lessons for society, from the health side to the economy. Experience from the pandemic requires us to adapt quickly in all activities, which were initially offline but are now more accustomed to online. Not only that, from an economic point of view it also has a very large influence. Many people are unfamiliar with preparing financial planning, it can be seen that during a pandemic a lot of expenses were needed, apart from that there were restrictions on activities for working or selling which had an impact on reduced income. The proposer plans to hold a family financial planning assistance program at Nasyiatul Aisyiyah Malang City. Solutions that can be given: (a) Counseling about the importance of managing family financial planning (sakinah finance) for families (b) Making financial planning for families. (c) Assistance to partners in completing a financial planning book for families. The method to be used; (1) Counseling for management and members of Nasyiatul Aisyiyah Malang City, (2) Focus Group Discussion, (3) Assistance. The purpose of this service is for the younger generation and for those who are not yet married in Nasyiatul Aisyiyah to become more familiar with financial plans, because by adding insight into financial planning they will become competent when managing finances in the family.

The Opportunities Swallow's Nest Business to Increase Community Income from Islamic Economics Perspective Haris Al Reza; Mochammad Novi Rifa’i; Afifah Nur Millatina; Ascarya
Islamic Economics Journal Vol. 9 No. 2 (2023)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v9i2.9992

The swallow's nest business has a vast business opportunity, especially in areas that are crowded with swallows. Swallow's nests are very promising, but some obstacles and challenges must be faced. This study aims to find out how the swallow's nest business opportunity in increasing the income of the community in Kampung Baru village is viewed from the perspective of Islamic economics. This research uses a qualitative approach with the type of case study research. Sources of data in this study using primary data sources. Data collection techniques used are observation, interviews, and documentation. The results of this study indicate that Kampung Baru Village has the potential to conduct swallow's nest business in increasing the income of the community in Kampung Baru Katingan Kuala Village. This is evidenced by the increased income of SBW entrepreneurs, which is higher than the previous income when they had not built a swallow building. The increase in the revenue of the swallow's nest business can be seen from the rise in the swiftlet building owned by the swallow's nest entrepreneur, and the increasing level of education, as well as the increasing level of welfare of the people of Kampung Baru village through alms, infaq or donations. The Islamic economic perspective on the swallow's nest business is that no practices violate the Shari'ah that the swallow's nest entrepreneur has carried out. Efforts made by swallow entrepreneurs to increase people's income are reasonable efforts carried out with good intentions and efforts and are therefore in line with Islamic law.

LITERASI WAKAF UANG DI LINGKUNGAN TK AISYIAH 32 KOTA MALANG Rifa’i, Mochamad Novi; Amalia, Rahmi; Millatina, Afifah Nur
Bulletin of Community Service and Development Vol. 3 No. 2 (2023): DECEMBER
Publisher : Lembaga Pengkajian dan Pengembangan Masyarakat, Yayasan Cahaya Mulia Mandiri

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Purpose of the study: The purpose of this activity is to increase cash waqf literacy in the TK Aisyiah 32 Malang City Methodology: Implementation methods that refer to the mutually agreed upon analysis of the program situation are discussions, outreach, interactive dialogues, as well as the cash waqf practices of the participants Main Findings: There are still many people in the TK Aisyiah 32 Malang City who do not know about cash waqf, what is known to the waqf participants can only be in the form of land, graves and buildings Applications of this study: This service is useful for the Community in the Aisyiah 32 Kindergarten Environment in Malang City to be able to know and increase literacy regarding cash waqf Novelty/Originality of this study: Communities in the TK Aisyiah 32 environment in Malang City can improve literacy regarding cash waqf

Is the Merger Effective for Indonesian Islamic Banks? Budiantoro, Risanda Alirastra; Rachman, Mohammad Aulia; Tsani, Luthfi Ibnu; Millatina, Afifah Nur; Fatimatuzzahro, Fatimatuzzahro
Share: Jurnal Ekonomi dan Keuangan Islam Vol 13, No 2 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i2.22036

The low competitiveness of the Islamic banking sector has raised significant concerns within the government regarding the future viability of this financial industry in Indonesia. In response, a merger has been proposed as a strategic policy to strengthen and enhance the Islamic banking framework. This study seeks to assess the effectiveness of the merger strategy involving three state-owned Islamic banks—Bank Syariah Mandiri, BNI Syariah, and BRI Syariah—which have consolidated to form Bank Syariah Indonesia (BSI). The study employs a qualitative exploratory approach, utilizing analytical tools such as the Five Forces Model and SWOT analysis. The findings indicate that the merger strategy has been effective, as the management of the newly established entity has successfully implemented a range of initiatives to enhance the competitiveness of Islamic banking within the financial sector. These initiatives include product differentiation, innovation, a strong emphasis on service quality, institutional strengthening, and a focus on digital business development. The study concludes that the merger represents a positive step for the Indonesian Islamic banking sector. The strategies implemented by BSI may serve as a potential roadmap for other institutions aiming to enhance their competitive standing in the industry.========================================================================================================ABSTRAK – Efektifkah Merger pada Perbankan Syariah di Indonesia? Rendahnya daya saing sektor perbankan syariah menimbulkan kekhawatiran akan keberlangsungan industri keuangan ini di masa depan di Indonesia. Sebagai kebijakan strategis untuk memperkuat dan meningkatkan kerangka kerja perbankan syariah, pemerintah mengusulkan dilakukannya merger terhadap tiga bank syariah milik negara. Penelitian ini bertujuan untuk mengevaluasi efektivitas strategi merger Bank Syariah Mandiri, BNI Syariah, dan BRI Syariah menjadi Bank Syariah Indonesia (BSI). Penelitian ini menggunakan pendekatan kualitatif eksploratif dengan memanfaatkan Five Forces Model dan analisis SWOT sebagai alat analisis. Hasil penelitian menunjukkan efektivitas strategi merger dalam meningkatkan daya saing perbankan syariah. Manajemen BSI dinilai berhasil menerapkan serangkaian strategi pencapaian tujuan organisasi seperti melakukan diferensiasi produk, inovasi, orientasi pada kualitas layanan, penguatan kelembagaan, dan menseriusi pengembangan bisnis digital. Penelitian ini menyimpulkan bahwa strategi merger merupakan langkah positif bagi sektor perbankan syariah di Indonesia dalam meningkatkan daya saingnya di industri perbankan. Hasil ini dapat menjadi panduan potensial bagi lembaga keuangan syariah lain yang ingin menerapkan strategi serupa.

Peningkatan Pemahaman Literasi Keuangan Syariah Bagi Generasi Z Millatina, Afifah Nur; Salama, Sri Cahyaning Umi
Abdimas Galuh Vol 7, No 1 (2025): Maret 2025
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/ag.v7i1.17866

Pengabdian kepada masyarakat yang bertajuk Peningkatan Pemahaman Literasi Keuangan Syariah bagi Generasi Z di Kota Malang bertujuan untuk meningkatkan pengetahuan dan pemahaman literasi keuangan syariah di kalangan generasi Z. Generasi Z sebagai kelompok usia yang akan mendominasi penduduk usia kerja masa depan, memerlukan pemahaman literasi keuangan syariah yang baik untuk mengelola keuangannya secara bijak sesuai dengan prinsip syariah. Mitra yang digunakan dalam pengabdian ini adalah Masterprima Malang. Dengan syarat mayoritas peserta merupakan generasi Z dan telah menggunakan keuangan digital, seperti Paylater, namun masih minim literasi terkait keuangan dan ekonomi syariah. Diharapkan dari hasil kegiatan ini akan menunjukkan peningkatan pemahaman literasi keuangan syariah peserta secara signifikan, yang diukur melalui pre-test dan post-test. Selain itu, peserta juga menyatakan adanya peningkatan motivasi untuk menerapkan prinsip keuangan syariah dalam kehidupan sehari-hari. Dengan demikian, program ini diharapkan dapat memberikan kontribusi positif dalam membentuk generasi muda yang lebih melek finansial dan mampu berkontribusi bagi pengembangan ekonomi syariah di Indonesia

Is the Merger Effective for Indonesian Islamic Banks? Budiantoro, Risanda Alirastra; Rachman, Mohammad Aulia; Tsani, Luthfi Ibnu; Millatina, Afifah Nur; Fatimatuzzahro, Fatimatuzzahro
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 13 No. 2 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i2.22036

The low competitiveness of the Islamic banking sector has raised significant concerns within the government regarding the future viability of this financial industry in Indonesia. In response, a merger has been proposed as a strategic policy to strengthen and enhance the Islamic banking framework. This study seeks to assess the effectiveness of the merger strategy involving three state-owned Islamic banks—Bank Syariah Mandiri, BNI Syariah, and BRI Syariah—which have consolidated to form Bank Syariah Indonesia (BSI). The study employs a qualitative exploratory approach, utilizing analytical tools such as the Five Forces Model and SWOT analysis. The findings indicate that the merger strategy has been effective, as the management of the newly established entity has successfully implemented a range of initiatives to enhance the competitiveness of Islamic banking within the financial sector. These initiatives include product differentiation, innovation, a strong emphasis on service quality, institutional strengthening, and a focus on digital business development. The study concludes that the merger represents a positive step for the Indonesian Islamic banking sector. The strategies implemented by BSI may serve as a potential roadmap for other institutions aiming to enhance their competitive standing in the industry.========================================================================================================ABSTRAK – Efektifkah Merger pada Perbankan Syariah di Indonesia? Rendahnya daya saing sektor perbankan syariah menimbulkan kekhawatiran akan keberlangsungan industri keuangan ini di masa depan di Indonesia. Sebagai kebijakan strategis untuk memperkuat dan meningkatkan kerangka kerja perbankan syariah, pemerintah mengusulkan dilakukannya merger terhadap tiga bank syariah milik negara. Penelitian ini bertujuan untuk mengevaluasi efektivitas strategi merger Bank Syariah Mandiri, BNI Syariah, dan BRI Syariah menjadi Bank Syariah Indonesia (BSI). Penelitian ini menggunakan pendekatan kualitatif eksploratif dengan memanfaatkan Five Forces Model dan analisis SWOT sebagai alat analisis. Hasil penelitian menunjukkan efektivitas strategi merger dalam meningkatkan daya saing perbankan syariah. Manajemen BSI dinilai berhasil menerapkan serangkaian strategi pencapaian tujuan organisasi seperti melakukan diferensiasi produk, inovasi, orientasi pada kualitas layanan, penguatan kelembagaan, dan menseriusi pengembangan bisnis digital. Penelitian ini menyimpulkan bahwa strategi merger merupakan langkah positif bagi sektor perbankan syariah di Indonesia dalam meningkatkan daya saingnya di industri perbankan. Hasil ini dapat menjadi panduan potensial bagi lembaga keuangan syariah lain yang ingin menerapkan strategi serupa.

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