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All Journal Jurnal Ilmu Sosial dan Humaniora Ekuitas: Jurnal Pendidikan Ekonomi JURNAL PENELITIAN KEISLAMAN Transformasi: Jurnal Pengabdian Masyarakat Jurnal Istiqro' IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Jurnal Ilmiah Tata Sejuta STIA Mataram Journal of Enterprise and Development (JED) Empiricism Journal Ekuitas Jurnal Pnedidikan Ekonomi
Umu Rosyidah
Universitas Islam Negeri Mataram
Religion Humanities Chemistry Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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KONTRIBUSI MOTIF DAN KEYAKINAN NASABAH PADA PEMANTAPAN MINAT BERASURANSI SYARIAH DI LOMBOK rosyidah, umu
IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Vol. 11 No. 2 (2020): 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.v11i2.2545

Abstract

Saat ini perkembangan lembaga asuransi syari’ah di Lombok cukup menggembirakan. Penelitian ini ingin mengetahui tentang faktor psikologis yang merupakan faktor pendorong dari dalam diri nasabah yang dapat berkontribusi mempengaruhi minat nasabah untuk berasuransi syariah, yaitu motif rasional dan motif emosional. Selain itu ingin mengetahui apakah faktor keyakinan nasabah di Lombok yang mayoritas muslim mempunyai kontribusi yang paling dominan. Penelitian ini mengambil sampel sebanyak 100 responden dari nasabah 8 perusahaan asuransi syariah di Lombok. Tehnik penentuan sampel yang digunakan adalah non probability sampling dan pemilihan samplenya dilakukan secara accidental sampling. Teori yang dipakai untuk membedah pokok permasalahan yang ada adalah dengan menggunakan teori pengambilan keputusan. Hasil penelitian: secara parsial motif rasional dan motif emosional berkontribusi secara signifikan pada pemantapan minat berasuransi syariah dan keyakinan nasabah berkontribusi tidak signifikan. Akan tetapi secara simultan semua variabel berkontribusi sangat signifikan. Besaran kontribusinya yaitu 40,6 %. Yang paling dominan berkontribusi adalah variabel motif rasional.
The role of behavioral bias on financial decision making: a systematic literature review and future research agenda Rosyidah, Umu; Pratikto, Heri
Journal of Enterprise and Development (JED) Vol. 4 No. 1 (2022): 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.v4i1.5102

Abstract

Purpose — This paper aims to analyze current research trends, identify theoretical perspectives, and identify research topics of behavioral bias in financial decision-making in the future.Research method — To perform bibliometric analysis, this article uses a systematic literature review, as well as content analysis. This article uses a total of 51 publications between 2018 and 2022 as the sample for the literature review, directed by PRISMA. The tool used in analyzing bibliometrics is VOSviewer. Meanwhile, content analysis is conducted to build theoretical perspectives and proposed future research agendas.Result — This systematic review explains the number of articles per year, most influential articles, leading journals, leading countries, leading authors, important keywords, and research cluster networks. Besides, this article also discovers seven behavioral biases that can be analyzed to gain a theoretical perspective on behavioral bias. The seven behavioral biases are Heuristic Bias, Self-Attribution Bias, Framing Bias, Herding Bias, Aversion Bias, Disposition Effect, and Overconfidence Bias,. In the scientific mapping analysis, important keywords are obtained, and the author's research cluster network is to discover topics that rarely researched to be offered in future research.Recommendation/significance/contribution — In contrast to previous studies of behavioral bias, which were dominated by survey-based research, this paper provides a different reference by using a systematic literature review method that provides coverage of the main research issues and theoretical arguments about behavioral bias in financial decisions. In addition, this paper offers new ideas about potential research fields by identifying studies in developing countries that are still rarely carried out compared to developed countries.
Digitalization and internationalization of SMEs: A Systematic Literature Review Rosyidah, Umu; Sudarmiatin, Sudarmiatin; Sumarsono, Hadi
Journal of Enterprise and Development (JED) Vol. 5 No. 3 (2023): 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.v5i3.7196

Abstract

Purpose — The objective of this study is to evaluate the prevailing trends in publications and investigate the literature derived from multiple studies concerning the impact of digitalization on SMEs and their internationalization process.Method — We employ the Systematic Literature Review (SLR) methodology to identify and consolidate publication trends from various articles. The literature utilized in this study is sourced from the Scopus database. By referring to the PRISMA chart, a total of 33 literature works were selected for analysis using VOSviewer. In this research, we utilize bibliometric analysis to examine article trends and employ content analysis to assess the literature.Result — We discovered that there were 19 keywords representing the latest and seldom explored themes among researchers, which were organized into 5 clusters for further analysis within a research framework. Moreover, we identified new and infrequently studied themes such as effectuation, international performance, digital transformation, digital technologies, and export performance. Additionally, we uncovered novel research topics that have the potential to inspire future studies in related areas.Contribution — This study contributes by examining literature on digitalization and internationalization, identifying research trends and proposing future directions, especially for SMEs in Southeast Asian countries. It also introduces the rarely-used Systematic Literature Review (SLR) approach to examine the role of digitalization in internationalization, challenging the dominance of quantitative methods in prior research.
ANALISIS AKAD-AKAD PELENGKAP DALAM AKUNTANSI SYARIAH: ANALISIS AKAD-AKAD PELENGKAP DALAM AKUNTANSI SYARIAH Fahmi, Ilham; Rosyidah, Umu
Jurnal Istiqro Vol. 11 No. 2 (2025): Juli 2025
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v11i2.3999

Abstract

This study aims to analyze the alignment between the legal substance of complementary contracts (kafalah, hawalah, rahn, wakalah, wadi'ah) in muamalah fiqh with their accounting treatment. Using a qualitative legal-normative method, this study comparatively analyzes fiqh literature, DSN-MUI fatwas, and Sharia Financial Accounting Standards Statements (PSAK). The results of the study indicate significant alignment, where Sharia PSAK consistently reflects the nature of contracts such as guarantees and mandates through off-balance sheet recording and service-based revenue recognition. The main implication is the need to expand more substantive qualitative.
Pasar Modal Syariah dan Obligasi Syariah: Pilar Investasi Halal di Era Modern Hamidah, Hamidah; Rosyidah, Umu; Bonang, Dahlia
Empiricism Journal Vol. 7 No. 1: March 2026
Publisher : Lembaga Penelitian dan Pemberdayaan Masyarakat (LITPAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/mfa1m055

Abstract

Penelitian ini bertujuan untuk menganalisis secara konseptual perkembangan pasar modal syariah di Indonesia dengan fokus pada peran strategis obligasi syariah (sukuk) sebagai instrumen investasi halal dan pembiayaan pembangunan berkelanjutan. Penelitian ini menggunakan pendekatan literature review dengan metode analisis tematik terhadap jurnal ilmiah, buku akademik, dan laporan institusional yang relevan hingga tahun 2024. Hasil kajian menunjukkan bahwa pasar modal syariah dan sukuk memiliki kontribusi signifikan dalam memperluas inklusi keuangan, mengurangi ketergantungan pada pembiayaan konvensional, serta mendukung pembiayaan proyek infrastruktur dan lingkungan melalui penerbitan green sukuk. Namun demikian, tantangan utama masih terletak pada rendahnya literasi keuangan syariah dan keterbatasan likuiditas pasar sekunder. Artikel ini menegaskan pentingnya penguatan regulasi, digitalisasi layanan, dan edukasi keuangan syariah sebagai strategi pengembangan pasar modal syariah yang berkelanjutan. Hasil kajian menunjukkan bahwa sukuk memiliki peran penting dalam mendukung pembangunan infrastruktur dan penguatan ekonomi hijau melalui penerbitan green sukuk. Selain memberikan keuntungan yang stabil dan sesuai prinsip syariah, sukuk juga memperluas inklusi keuangan dan mengurangi ketergantungan terhadap pembiayaan konvensional. Namun demikian, tantangan utama masih terletak pada literasi keuangan syariah yang rendah dan likuiditas pasar sekunder sukuk yang belum optimal. Penelitian ini menyimpulkan bahwa penguatan regulasi, digitalisasi layanan, serta peningkatan edukasi dan literasi keuangan syariah merupakan langkah strategis untuk memaksimalkan potensi sukuk sebagai instrumen investasi dan pembangunan. Penelitian selanjutnya disarankan untuk mengeksplorasi efektivitas digitalisasi dalam memperluas inklusi keuangan syariah serta dampak konkret green sukuk terhadap proyek-proyek pembangunan berkelanjutan. Islamic Capital Market and Islamic Bonds: Pillars of Halal Investment in the Modern Era Abstract This study aims to examine the growth of the Islamic capital market in Indonesia, with a particular focus on the strategic role of Islamic bonds (sukuk) as an alternative halal investment and a financing instrument for sustainable development. The background of this study is driven by the increasing awareness of the Muslim community regarding the importance of investments that comply with Sharia principles, along with the development of Sharia-based financial instruments such as the Islamic capital market and sukuk. Using a literature review method, this study analyzes various theories of Islamic finance, market regulations, statistics on the growth of Sharia-compliant investors, and digital innovations in Islamic investment services. The findings indicate that sukuk play an important role in supporting infrastructure development and strengthening the green economy through the issuance of green sukuk. In addition to providing stable returns that comply with Sharia principles, sukuk also expand financial inclusion and reduce dependence on conventional financing. However, the main challenges remain the low level of Islamic financial literacy and the suboptimal liquidity of the secondary sukuk market. This study concludes that strengthening regulations, digitalizing services, and enhancing education and literacy in Islamic finance are strategic steps to maximize the potential of sukuk as instruments for investment and development. Future research is recommended to explore the effectiveness of digitalization in expanding Islamic financial inclusion and the tangible impacts of green sukuk on sustainable development projects.
Co-Authors Abdul Rasyad Ahmad Tohri Bonang, Dahlia Cakranegara, Pandu Adi Hadi Sumarsono Hamidah . Heri Pratikto Ilham Fahmi, Ilham Puji Handayati Sudarmiatin Sulaiman Sulaiman Sulaiman Sulaiman