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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) FITRAH:Jurnal Kajian Ilmu-ilmu Keislaman Jurnal Ekonomi Islam Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Math Educa Journal Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Ekonomi Islam Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Gusniarti Gusniarti, Gusniarti
Universitas Muhammadiyah Prof. DR. HAMKA
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Mathematics Social Sciences Other

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PENGEMBANGAN LEMBAR KERJA PESERTA DIDIK BERBASIS CONTEXTUAL TEACHING AND LEARNING PADA MATERI HIMPUNAN KELAS VII SMPN 2 KUBUNG Yulia, Yulia; Gusniarti, Gusniarti
Math Educa Journal Vol 3, No 2 (2019)
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/mej.v3i2.882

Abstract

One of the problems in the world of education was the limited teaching materials that can help students enrich their experience, build students 'knowledge and support students' thinking skills to construct their own understanding in solving mathematical problems. One way that can be done to complement the shortcomings of teaching materials is to design an LKPD. LKPD is made using the CTL approach. Based on this, a CTL-based student worksheet (LKPD) was developed on set material for class VII students. This study aims to 1) produce CTL based LKPD that meets valid criteria 2) produce CTL based LKPD that meets practical criteria and 3) produces CTL based LKPD that meets the effective criteria. This is a development research with 4-D models. consists of four stages of development that is define, design, develop and disseminate. This research is only up to the stage of define, design and develop. Define’s  stage consists of : a) front end analysis b) student analysis c) concept analysis d) task analysis. Design’s stage consists of : a) LKPD design b) instrument design and validation of instrument penilain module. Develop’s stage consists of : a) the stage of validity  b) the stage of practicability an c) the stage of effectiveness. The results of this study indicate that based on the validator's assessment, The developed LKPD meets very valid criteria with an average of 89,14%. Based on the results of filling the practical questionnaire for educators, practical questionnaire for students and interviews with students showed that LKPD which was developed very practically was used in the mathematics learning of set material with an average of 88,20% by educators and 84,20% by students. Based on the results of the analysis of learning outcomes obtained the average value of the pre test is 59,9655 and the post test average value was 79,3793, then carried out the hypothesis with the t-test. From the calculation results obtained 5,0493 and  thus  with a confidence level of 95%. This shows that the hypothesis is accepted, meaning that the mathematical connection ability of students after using LKPD is better than the students’ mathematical connection ability before using LKPD so that it can be concluded that  CTL based LKPD is effectively used
Faktor Internal Dan Eksternal Yang Mempengaruhi Permintaan Sukuk Negara Ritel Gusniarti, Gusniarti; Primasuci, Dini
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 4, No 2 (2019)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (205.311 KB) | DOI: 10.29300/ba.v4i2.2427

Abstract

Penelitian ini bertujuan untuk menganalisis faktor apa saja yang dapat mempengaruhi permintaan sukuk negara ritel. Penelitian ini menggunakan analisis regresi berganda. Data penelitian yang digunakan adalah Sukuk Ritel SR004-007 sebagai variabel dependen. Variabel independen yang digunakan ialah variable tingkat imbal hasil, harga, nilai tukar (kurs dolar AS), inflasi, dan suku bunga deposito. Hasil yang didapat menunjukkan bahwa variabel kurs dolar AS dan suku bunga deposito memiliki pengaruh terhadap permintaan sukuk dan imbal hasil, harga, serta inflasi tidak berpengaruh terhadap permintaan sukuk negara ritel. Berdasarkan hasil ini, menunjukan bahwa imbal hasil sukuk ritel, harga sukuk ritel dan inflasi pada periode penelitian tidak mempengaruhi investor dalam pengambilan keputusan untuk berinvestasi sukuk negara ritel. Sedangkan kenaikan kurs dolar AS yang di sebabkan terjadinya perlambatan ekonomi pada periode penelitian dan tingkat suku bunga deposito yang bersaing ketat dengan tingkat imbal hasil sukuk ritel dapat mempengaruhi investor dalam pengambilan keputusan untuk berinvestasi sukuk negara ritel.
THE EFFECT OF GOOD CORPORATE GOVERNANCE (GCG) PRINCIPLES ON EMPLOYEE PERFORMANCE AT BANK SYARIAH INDONESIA Mufid, Fatiyah; Gusniarti, Gusniarti
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 01 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i01.8229

Abstract

The purpose of this study is to determine the effects of various Good Corporate Governance principles on Bank Syariah Indonesia employees, specifically in the area of employee work performance and the effects of various Good Corporate Governance principles on employee work practices that are adapted from social theory. This study employs a quantitative approach with analysis description. Data was collected via a Likert scale questionnaire given to 100 respondents, using the Slovin survey, which is administered by Bank Syariah Indonesia employees. The results of this article's analysis show that the principles of good corporate governance have a simultaneous impact on employees' work at Bank Syariah Indonesia. Subsequently, the principles of accountability and responsibility have a significant impact on employee work. Conversely, the principles of transparancy, independence and fairness do not indicate significant effects on employees' work performance. This has important implications for Bank Syariah Indonesia management team in developing a plan to increase employee productivity, and management teams must pay more attention to the application of the Good Corporate Governance principles.
Faith, Law, and Resilience: Crisis Management Strategies among Indonesian Muslimahpreneurs in the Post-Pandemic Era Gusniarti, Gusniarti
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 17, No 1 (2025)
Publisher : Faculty of Sharia and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i1.46240

Abstract

This study examines how Indonesian Muslim women entrepreneurs (Muslimahpreneurs) managed crises in the post-pandemic era through faith, legal frameworks, and resilience. Using a phenomenological approach, in-depth interviews with ten women-led MSMEs in South Tangerang reveal challenges, including limited access to Sharia-compliant financial services, shifting consumer behavior, reduced purchasing power, supply chain disruptions, technological limitations, and the dual role burden of managing households and businesses. Despite this, Muslimahpreneurs applied adaptive strategies grounded in family, ethics, and community. Their spiritual values, such as tawakkul, ṣabr, and maṣlaḥah, shaped their decisions and enhanced business resilience. This study also reveals a gap between regulatory provisions and practical accessibility. Abstrak:Penelitian ini mengkaji strategi manajemen krisis yang dijalankan oleh pelaku usaha Muslimah (Muslimahpreneur) di Indonesia di fase pemulihan pascapandemi, dengan menitikberatkan pada dimensi hukum, spiritual, dan gender. Dengan pendekatan fenomenologis, wawancara mendalam dengan sepuluh Muslimahpreneur di Tangerang Selatan mengungkap berbagai tantangan yang dihadapi, seperti keterbatasan akses layanan keuangan syariah, pergeseran perilaku konsumen, penurunan daya beli, gangguan rantai pasok, keterbatasan teknologi, serta beban ganda dalam rumah tangga dan usaha. Meski demikian, mereka menerapkan strategi adaptif yang berakar pada nilai kekeluargaan, etika, dan solidaritas komunitas. Nilai spiritual seperti tawakkul, ṣabr, dan maṣlaḥah membentuk cara pengambilan keputusan dan menguatkan ketahanan bisnis mereka. Studi ini juga mengungkap adanya kesenjangan antara ketentuan regulasi dan aksesibilitas praktis di lapangan.
DKI Jakarta BAZNAS Strategy in Empowering Disability Groups Bariyah, Oneng Nurul; Yumna, Laila; Gusniarti, Gusniarti; Handayani, Purwi Lestari; Siregar, Najwa Ulfah
FITRAH: Jurnal Kajian Ilmu-ilmu Keislaman Vol 11, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/fitrah.v11i1.13820

Abstract

This research was conducted at BAZNAS DKI Jakarta on the utilisation of productive zakat for persons with disabilities. The research was motivated by the problems often faced by persons with disabilities as part of the mustadh'afin, who face very problems with their lives and welfare. The research used qualitative research methods.  There are two kinds of data sources, namely primary and secondary sources. Primary sources were obtained through interviews and observations. Interviews were conducted with informants, namely BAZNAS managers in charge of empowering disability groups. The author conducted direct interviews with a barista with a hearing impairment who was together with a hearing impaired as a disabled barista. Data analysis uses Miles Huberman's theory, which consists of:  data collection, data reduction, data presentation, and conclusion drawing/verification. The results concluded that BAZNAS DKI Jakarta provides special coffee business services for people with disabilities under the name “Café Difabis”. People with disabilities who are fostered are generally hearing-impaired, and there are also people with disabilities. BAZNAS DKI Jakarta conducts partnerships and cooperation with the mayors in DKI Jakarta and the DKI Jakarta Social Service so that in 2024, Café Difabis is located at several points in the city of Jakarta, namely: Front of Blok C Building, Central Jakarta Mayor Office Complex, East Jakarta Mayor Office, South Jakarta Mayor Office, West Jakarta Mayor Office, North Jakarta Mayor Office Complex. The results showed that BAZNAS DKI Jakarta, as a philanthropic institution, has played a role in developing the creative economy of people with hearing disabilities.
Perdagangan Saham di Pasar Modal Syariah (Studi Kasus Bursa Efek Indonesia) Gusniarti, Gusniarti
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 1 (2015)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v1i1.764

Abstract

The purpose of this research is to know how  sharia’ application on stock trading at Islamic Capital Market not only primary market but also secondary market are good in Islamic perspective.We can use the question words of “what”, “what for” and “how” from Islamic perspective to identify that stock transaction in capital market allowed by Islam or not. The question of “what” is what is transaction object which traded in Islamic Capital Market.  Are they suitable with shariah principle. The question of “what for” is what is the purpose of stock trading in capital market and the question word of “how” is  how  is the process of transaction in capital market especially secondary market.  Are there prohibition activities there like speculation, short selling, netting, insider traiding, etc causing the price not reflection of the company fundamental.Stock transaction in Indonesian Stock Exchange as the place of research  only can answer the question of “what”. This is related to transaction object in Islamic Capital Market.  In this case, the shariah stock but another question cannot be answered well because still many prohibitions are done, no different from convensional capital market. In the fact, Islamic Capital Market only focuses on products. It has Islamic Index namely Jakarta Islamic Index filtering products is not prohibited in Islam.
Membangun Integritas: Evaluasi Penerapan Kode Etik Bank Syariah Indonesia Tajriani, Ainani; Gusniarti, Gusniarti
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 1 (2025): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v10i1.7258

Abstract

Penelitian ini betapa pentingnya penerapan kode etik dalam menjaga integritas Bank Syariah Indonesia (BSI). Penelitian ini menggunakan pendekatan campuran, memadukan analisis kuantitatif dan kajian literatur. Hasil dari penelitian mengungkapkan bahwa kesadaran etika karyawan mempunyai pengaruh yang signifikan terhadap integritas, dengan hasil koefisien regresi sebesar 0,839 dan nilai determinasi 67%. Kesadaran ini berperan penting dalam mendukung penerapan prinsip syariah, profesionalisme, dan tata kelola perusahaan yang baik. Kajian ini juga mengungkapkan bahwa penerapan kode etik yang kuat dapat mencegah pelanggaran seperti benturan kepentingan, gratifikasi, dan doktrin jabatan. Langkah-langkah strategi yang direkomendasikan meliputi pelatihan berkelanjutan, pengawasan penerapan kode etik, membangun dan memperkuat nilai-nilai prinsip peraturan kode etik bank syariah indonesia, berkolaborasi dengan sesama karyawan untuk mencapai integritas yang baik. Penerapan kode etik yang konsisten tidak hanya memperkuat budaya organisasi tetapi juga meningkatkan reputasi dan kepercayaan masyarakat terhadap BSI sebagai lembaga keuangan syariah terpercaya. Penelitian ini memberikan kontribusi teoritis dan praktis dalam pengembangan kesadaran etika dan penerapan kode etik di sektor perbankan syariah. Dengan penguatan sistem pengawasan, pelatihan kesadaran etika, serta peningkatan kolaborasi antara manajemen dan karyawan, BSI dapat terus menjaga integritas dan eksistensinya di pasar perbankan syariah.
Faktor Internal Dan Ekternal yang Mempengaruhi Permintaan Sukuk Negara Ritel Gusniarti, Gusniarti
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 4, No 2 (2019): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v4i2.2459

Abstract

This study aims to analyze what factors can influence the demand for retail state sukuk. This study uses multiple regression analysis. The research data used is the SR004-007 Retail Sukuk as the dependent variable. The independent variable used is the variable rate of return, price, exchange rate (US dollar exchange rate), inflation, and deposit rates. The results obtained indicate that the variable US dollar exchange rate and deposit rates have an influence on demand for sukuk and yields, prices, and inflation have no effect on demand for retail state sukuk. Based on these results, it shows that retail sukuk yields, retail sukuk prices and inflation in the study period did not affect investors in making decisions to invest in retail state sukuk. While the increase in the US dollar exchange rate caused by the economic slowdown in the study period and deposit interest rates that compete closely with the returns on retail sukuk can influence investors in making decisions to invest in retail state sukuk.
PREFERENSI MINAT INVESTASI SYARIAH GENERASI MILENIAL DALAM MENGGUNAKAN APLIKASI GROWIN’ MANDIRI SEKURITAS Abdurrahman, Hasyim; Gusniarti, Gusniarti; Gultom, Mitra Sami
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 1 (2025): Edisi Januari - April 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i1.5170

Abstract

Dorongan untuk penelitian ini berasal dari kurangnya pemahaman mengenai ketertarikan generasi milenial terhadap investasi syariah digital, khususnya terkait aplikasi Growin'. Penelitian ini berusaha untuk meneliti kecenderungan dan kecenderungan milenial terhadap investasi syariah melalui aplikasi Growin' Mandiri Sekuritas, dengan fokus khusus pada peran mediasi dari persepsi kegunaan, persepsi kemudahan penggunaan, dan kepercayaan. Data primer, yang dikumpulkan melalui kuesioner langsung yang melibatkan 100 responden, menjadi dasar dari analisis ini. Sampel diperoleh dengan menggunakan probability sampling, dengan teknik pengambilan sampel acak sederhana. Temuan menunjukkan bahwa meskipun persepsi manfaat memberikan pengaruh negatif, meskipun tidak signifikan, terhadap minat generasi milenial terhadap investasi syariah melalui aplikasi Growin, yang mengindikasikan bahwa pengguna menganggap aplikasi ini tidak meningkatkan produktivitas investasi karena perilaku mengikuti tren tanpa manfaat yang nyata, persepsi kemudahan penggunaan menunjukkan dampak positif dan signifikan, yang menunjukkan bahwa pengguna menganggap fitur-fitur aplikasi intuitif dan nyaman untuk berinvestasi kapan saja dan di mana saja. Kepercayaan juga muncul sebagai pengaruh yang positif dan signifikan, yang menandakan bahwa pengguna menaruh kepercayaan pada kemampuan aplikasi untuk memastikan kerahasiaan pengguna dan menjaga transaksi. Hasil uji F lebih lanjut menunjukkan bahwa, secara kolektif, persepsi manfaat, kemudahan penggunaan, dan kepercayaan memberikan pengaruh positif dan signifikan terhadap minat generasi milenial untuk berinvestasi secara digital melalui aplikasi Growin'. Penelitian ini menggarisbawahi peran penting dari kemudahan penggunaan dan kepercayaan dalam menumbuhkan minat investasi syariah digital.
ANALISA PERBANDINGAN APLIKASI AKAD SUKUK ANTARA ISTANBUL STOCK EXCHANGE DAN INDONESIA STOCK EXCHANGE Gusniarti, Gusniarti
Ekonomi Islam Vol. 12 No. 1 (2021): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v12i1.7002

Abstract

Indonesia as a Muslim-majority country desperately needs products that are suitable for Islamic investment products in various financial institutions including capital markets. Likewise, Turkey, a country that was once the center of Islamic power and the most influential in the Islamic world, strongly supports the application of Islamic values, including in the fields of finance and investment, including Islamic investment in the Islamic capital market. The application of Jurisprudence on bond products is needed so that it is farthest from the practice of prohibited practices in Islam. The application of this contract requires analysis and thinking. A comparison of the development of Sukuk in the two Muslim majority countries is very interesting to study. This research is qualitative, namely research to produce a description of a problem in the form of words related to understanding, understanding, and value values. In this qualitative research, the author will explain the differences and similarities of contracts that occur in Sukuk in Indonesia and Turkey and data that occur in the field that relates to concepts in Sukuk contracts in both countries, especially corporate Sukuk. The purpose of this study is to analyze differences in Sukuk practices that incorporate financing through the capital market so that it can be an input for authorities and the government to develop Sukuk markets in Indonesia by looking at the progress of contract agreements practiced in other countries, especially Turkey in this study. Keywords: ijarah sukuk, mudarabah sukuk, musukakah sukuk, sukuk murabahah, sukuk wakalah, corporate sukuk, sharia capital market
Co-Authors Abdurrahman, Hasyim Gultom, Mitra Sami Handayani, Purwi Lestari Laila Yumna Mufid, Fatiyah Muhammad Reza Pahlevi N. Oneng Nurul Bariyah Primasuci, Dini Siregar, Najwa Ulfah Tajriani, Ainani Yulia Yulia