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All Journal Syarikat : Jurnal Rumpun Ekonomi Syariah Tahqiqa: Jurnal Pemikiran Hukum Islam Alkasb: Journal of Islamic Economics
Anna Zakiyah Hastriana
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Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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RAHN DALAM PEMBIAYAAN SYARIAH: ANALISIS PERBANDINGAN RAHN TASJILY DAN RAHN HIYAZI Sa'idatun Nadiva; Anna Zakiyah Hastriana
Jurnal Tahqiqa : Jurnal Pemikiran Hukum Islam Vol. 20 No. 1 (2026): Januari
Publisher : Sekolah Tinggi Ilmu Syariah Al-Hilal Sigli Aceh- Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61393/tahqiqa.v20i1.495

Abstract

The uncertainty of economic fluctuations often drives individuals to optimize assets through pawning mechanisms as a tactical solution to liquidity pressures. Given that rahn implementation is divided into tasjily and hiyazi schemes, each with its own distinctive characteristics, a comparative analysis of the two is crucial to deepen theoretical and practical understanding. This study employed a library research method with a qualitative-descriptive approach that synthesized various legal literature and relevant secondary data. The results indicate that tasjily rahn emphasizes the transfer of legal documentation while retaining physical control of the asset to the debtor, while hiyazi rahn requires full physical retention of the asset by the creditor. This fundamental difference has implications for the risk profile and flexibility of asset utilization, with each model having its own distinct legal basis and operational mechanisms within the Islamic banking system. This occurs because the two instruments are constructed to accommodate different liquidity needs, with rahn tasjily more aligned with productive financing, while rahn hiyazi is more effective for short-term consumer financing with higher collateral security. This study concludes that the integration of these two standardized rahn models is crucial for strengthening the capital structure and public trust in Islamic financial institutions in Indonesia.
Pengaruh Kemanfaatan, Kemudahan Keamanan, dan Fitur M-Banking terhadap Kepuasan Nasabah dalam Bertransaksi pada Bank Syariah Indonesia (Studi Kasus BSI KCP Sumenep) Putri Amalia; Anna Zakiyah Hastriana
Alkasb: Journal of Islamic Economics Vol. 1 No. 1 (2022)
Publisher : Islamic Economics Study Program, Faculty of Sharia and Islamic Economics, Universitas Annuqayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59005/alkasb.v1i1.163

Abstract

Customer satisfaction is the emotional response that customers feel when they enjoy the experience of using a product/service. In increasing customer satisfaction, the banking industry is required to provide m-banking facilities. Achievement of increased customer satisfaction can be influenced by various factors, including usability, ease of use, features, and security. The independent variable other than the feature variable is a variable derived from TAM theory. Therefore, the purpose of this research is to test and analyze the influence of these four factors on customer satisfaction at BSI KCP Sumenep. This research is a survey research with a quantitative approach. Data collection techniques in this study used a questionnaire. The research sample is the customers of Bank Syariah Indonesia KCP Sumenep, who use m-banking Bank Syariah Indonesia as many as 100 respondents. The type of sample is purposive sampling. The data analysis technique used multiple linear regression using SPSS version 22.0. The results of this study indicate that the usefulness, ease of use, features, and security of m-banking have a positive and significant effect both partially and simultaneously on customer satisfaction.
The influence of service quality, brand equity, promotion, and perception of justice on customer trust of sharia pawnshop service users Nurissyarifah; Rahayu Mardikaningsih; Anna Zakiyah Hastriana
Alkasb: Journal of Islamic Economics Vol. 3 No. 2 (2024)
Publisher : Islamic Economics Study Program, Faculty of Sharia and Islamic Economics, Universitas Annuqayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59005/alkasb.v3i2.220

Abstract

In contemporary Indonesia, Islamic pawnshops are experiencing widespread growth, offering a Sharia-compliant collateral-based lending system that provides financial assistance to individuals. These institutions provide various financial products, including pawning services for gold, collateralized goods, vehicles, and electronics. This study investigates the impact of service quality, brand equity, promotional activities, and perceptions of fairness on customer trust among users of Islamic pawnshop services. Specifically, it aims to determine the level of customer trust in Islamic pawnshop companies, considering the quality of service and the ease of transactions they offer. Employing a quantitative methodology, this research utilizes both primary and secondary data. The target population encompasses all customers of Islamic pawnshops in Surabaya, from whom a sample of 50 respondents participated by completing questionnaires. The collected demographic data reveals that the majority of respondents (34.10%) were over 20 years of age, indicating the inclusion of both adolescent and adult participants. Furthermore, a significant portion (45.8%) were actively employed. Regarding gender, the sample comprised 24.9% male and 26.1% female respondents. In terms of educational background, the respondents exhibited diversity, with 46.7% holding vocational, high school, or diploma qualifications.
Dinamika Persepsi Risiko, Tingkat Kepercayaan Dan Promosi Digital Dalam Membentuk Keputusan Belanja Online Konsumen Navilatur Rohmah; Anna Zakiyah Hastriana
Syarikat: Jurnal Rumpun Ekonomi Syariah Vol. 9 No. 1 (2026): Syarikat : Jurnal Rumpun Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Agama Islam Universitas Islam Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/syarikat.2026.vol9(1).25798

Abstract

Studi ini menganalisis potensi pengaruh dari tingkat persepsi risiko, skala kepercayaan, serta aktivasi promosi digital terhadap keputusan konsumen dalam berbelanja daring di Butik Amie Gallery Pamekasan. Penelitian ini mengadopsi pendekatan kuantitatif melalui survei yang melibatkan distribusi kuesioner sebanyak 105 partisipan yang diseleksi melalui metode convenience sampling. Penelitian ini dianalisis data yang dihasilkan menggunakan regresi linier berganda menggunakan SPSS. Hasil investigasi menunjukkan bahwa persepsi risiko memiliki konsekuensi negatif yang tervalidasi secara statistik terhadap keputusan pembelian. Sebaliknya, tingkat kepercayaan dan promosi digital terbukti memberikan kontribusi positif yang signifikan terhadap keputusan pembelian. Temuan ini mengindikasikan bahwa keputusan konsumen dalam berbelanja secara online sangat dipengaruhi oleh seberapa besar kepercayaan yang mereka miliki serta daya tarik promosi digital yang ditampilkan, sementara persepsi risiko dapat menjadi penghalang yang perlu diminimalisir. Penelitian ini memberikan gambaran bagi pelaku usaha fashion lokal agar lebih memperhatikan transparansi informasi produk, meningkatkan kualitas layanan, serta mengoptimalkan promosi digital untuk menumbuhkan keyakinan dan memperkuat keputusan pembelian konsumen.
Co-Authors Navilatur Rohmah Nurissyarifah Putri Amalia Rahayu Mardikaningsih Sa'idatun Nadiva