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All Journal Ulul Albab: Jurnal Studi Islam IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Journal of Enterprise and Development (JED) Sharia Economic and Management Business Journal (SEMBJ)
Intan Kusuma Pratiwi
Universitas Islam Negeri Mataram
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Other

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FUNDING COMPATIBILITY OF THE HALAL INDUSTRY BASED ON THE ABNORMAL RATE OF ISSI STOCK RETURN Nurul Susianti; Shofia Mauizotun Hasanah; Intan Kusuma Pratiwi
ULUL ALBAB Jurnal Studi Islam Vol 23, No 1 (2022): Islamic Law and Economic
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ua.v23i1.15706

Abstract

This article aims to test the suitability of sharia funding by referring to the MUI Fatwa on the halal industry in the Indonesian capital market with a benchmark of sharia compliance based on. Event study before and after the Covid-19 pandemic, where the focus of the problem and the hypothesis of this research is on whether there is a change in the level of abnormal Return of the 30 ISSI stock samples. Observations were made before the government's announcement about Covid-19 pandemic, which was around the end of january 2020 and after entering the new normal, which was around the beginning of August 2020. The results of this study indicate that the significant figures both before and after the Covid-19 pandemic on ISSI sharia shares are less than 0.05, which means that ISSI shares do not have abnormal returns, so the research results are in line with the MUI Fatwa Article 5 concerning Securities Transactions. Article 5 discusses transaction mechanisms that are not allowed such as gharâr, maysîr, usurî, and risywah speculating and manipulation. To be appropriate because what is meant by abnormal returns in the capital market is often influenced by speculation and manipulation so that prices are no longer reasonable. The research hypothesis is rejected as an alternative to continuously to trust investor funding in the Indonesian islamic capital market industry. 
Menguji keberadaan structural breaks pada transmisi kebijakan moneter di Indonesia Imronjana Syapriatama; Intan Kusuma Pratiwi
Journal of Enterprise and Development (JED) Vol. 1 No. 2 (2019): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v1i02.969

Abstract

Purpose — This paper investigates the presence of structural breaks in order to determine the regime shift in case of Indonesia economy.Research method — We use the Bai-Perron (2003) to test the breaks within the period of January 2014 – December 2018 and Structural Vector Autoregression (VAR) to generate the model constructed to analyze the monetary transmission mechanism.Result — The result shows that there are four significant structural breaks while SVAR shows the negative relationship between SBIS and the Output and a negative relationship between PUAS and Inflation
MONETARY POLICY AND ISLAMIC BANK STABILITY IN INDONESIA Imronjana Syapriatama; Intan Kusuma Pratiwi
Journal of Enterprise and Development (JED) Vol. 3 No. 1 (2021): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v3i01.3367

Abstract

The purpose of this paper is to examine the role of monetary policy to Islamic Bank Stability in Indonesia from January 2007 to December 2020. The policy is presented by Bank Indonesia 7DRR while Islamic Bank Stability uses Islamic Bank Z-score. This paper also employs several variables as control variable in order to manage effectiveness of the model. This paper uses Autoregressive Distributed Lag method (ARDL) in order to investigate the long run and short run effect between selected variables. The results reveal that the policy does not affect the Islamic Bank Stability in the long run. It only affects the Stability in the short run. The result also implies that tightening policy is responded by Islamic Bank Stability based on the financial environment.
Behavioral intention to adopt Islamic banking digital services: A modified UTAUT2 approach Intan Kusuma Pratiwi
Journal of Enterprise and Development (JED) Vol. 6 No. 1 (2024): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v6i1.8416

Abstract

Purpose — This research aims to identify the factors that influence customers in using digital Islamic banking services by modifying the UTAUT2 model to include Perceived Credibility and Perceived Risk variables.Method — This research employs a quantitative approach to test and validate the hypotheses formulated. The study population consists of Islamic bank customers in Indonesia. For sample selection, a purposive sampling technique was employed, with the inclusion criterion being that respondents must be Islamic bank customers who have utilized digital Islamic banking services. Data were collected from 373 Islamic bank customers through online Google Forms. The data analysis technique utilized in this research is the Partial Least Squares (PLS) method, conducted using SmartPLS software.Result — The research results indicate that nearly all UTAUT2 variables significantly impact customers' adoption of digital Islamic banking services. Specifically, Perceived Credibility significantly influences customers' adoption of these services, and similarly, Perceived Risk significantly affects customers' adoption of digital Islamic banking services.Contribution — This research introduces a novel framework by modifying the UTAUT2 model, incorporating the variables of Perceived Credibility and Perceived Risk as extensions to the UTAUT2 model.
Determinants of Halal Skincare Preferences: Do Digital Literacy and Religiosity Matter? Annisa Wahdania; Intan Kusuma Pratiwi; Nuraeda
IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Vol. 17 No. 1 (2026): IQTISHADUNA: Jurnal Ekonomi Dan Keuangan Islam
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v17i1.15684

Abstract

This study aims to determine and analyze the influence of attitude and perceived behavioral control on halal skincare purchase preferences, with digital halal literacy and religiosity as moderating variables among Muslim Generation Z consumers in Mataram City. This research employed a quantitative approach with an associative research design. The sampling technique used was non-probability sampling with a purposive sampling method. The sample consisted of 443 Muslim Generation Z consumers in Mataram City. Data were collected through questionnaires using a Likert scale and analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS 4 software. The results showed that the attitude variable had a T-statistics value of 2.661 and a P-values value of 0.004, indicating a positive and significant effect on halal skincare purchase preferences. The perceived behavioral control variable had a T-statistics value of 2.816 and a P-values value of 0.002, also indicating a positive and significant effect on halal skincare purchase preferences. Furthermore, the digital halal literacy variable had a T-statistics value of 3.293 and a P-values value of 0.000, while the religiosity variable had a T-statistics value of 2.280 and a P-values value of 0.011, both showing positive and significant effects on halal skincare purchase preferences. In addition, digital halal literacy and religiosity were found to moderate the influence of attitude and perceived behavioral control on halal skincare purchase preferences.
When Digital Needs Are Not Enough: Social Norms, Digital Consumption, and Well-Being through an Islamic Ethical Lens Intan Kusuma Pratiwi; Ulfatun Hasanah; Nur Awwalunnisa
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 3 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i3.2696

Abstract

Background: Digital technology has become increasingly integral to contemporary society, raising questions about whether digital needs function as basic needs that directly contribute to well-being. However, existing studies have not fully explained whether digital need priority influences well-being directly or whether this relationship depends on digital consumption behavior and digital well-being. Research Gap: Most previous research views the relationship between digital needs and well-being as straightforward, assuming increased digital priorities automatically impact individual well-being. This approach tends to ignore the possibility that digital consumption behavior may play a role in explaining the relationship between need orientation and psychological outcomes. Furthermore, social factors are often overlooked in explaining why digital needs become a priority. Novelty: This study re-examines the role of digital need priority by integrating social norms, digital motivation, digital consumption behavior, and digital well-being. It conceptualizes digital need priority as a cognitive-evaluative orientation rather than as a proxy for access or use intensity, distinguishing instrumental and hedonic digital consumption behaviors. Method: A quantitative cross-sectional design was employed. Data were collected through a survey of 156 urban respondents who actively used digital technology. The proposed model was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Results: Digital need priority does not significantly influence digital well-being, either directly or indirectly through digital consumption behavior. Instead, both instrumental and hedonic digital consumption behaviors significantly enhance digital well-being. Digital well-being subsequently increases subjective well-being and reduces stress. Subjective norm, rather than digital motivation, significantly shapes digital need priority. Conclusion: Digital needs may function more as socially influenced priorities than as direct determinants of well-being. Improving well-being in the digital era requires not only access to technology but also balanced, purposeful, and healthy digital consumption practices. From an Islamic ethical perspective, digital well-being requires purposeful and balanced use that advances maslahah while avoiding israf.
Co-Authors Annisa Wahdania Imronjana Syapriatama Nur Awwalunnisa Nuraeda Nurul Susianti Shofia Mauizotun Hasanah Ulfatun Hasanah