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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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THE INFLUENCE OF FINANCIAL KNOWLEDGE, FINANCIAL SELF-EFFICACY AND LOCUS OF CONTROL ON ISLAMIC FINANCIAL BEHAVIOR IN GENERATION IN DKI JAKARTA Pahlevi, Muhammad Reza; Gusniarti, Gusniarti
Ekonomi Islam Vol. 15 No. 1 (2024): 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.v15i1.12504

Abstract

This study aims to determine the effect of Financial Knowledge, Financial Self-Efficacy, and Locus of Control both partially and simultaneously on Islamic Financial Behavior in Generation Z in DKI Jakarta. This type of research is quantitative with a causality approach. The method used in sampling is purposive sampling. The partial test shows that the financial knowledge variable has a positive and significant effect on Islamic financial behavior, financial self-efficacy has a positive and significant effect on Islamic financial behavior, and locus of control has a positive and significant effect on Islamic financial behavior. The results of this study  indicate that financial knowledge, financial self-efficacy, and locus of control simultaneously have a positive and significant effect on Islamic financial behavior.
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
THE INFLUENCE OF FINANCIAL KNOWLEDGE, FINANCIAL SELF-EFFICACY AND LOCUS OF CONTROL ON ISLAMIC FINANCIAL BEHAVIOR IN GENERATION IN DKI JAKARTA Pahlevi, Muhammad Reza; Gusniarti, Gusniarti
Ekonomi Islam Vol. 15 No. 1 (2024): 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.v15i1.12504

Abstract

This study aims to determine the effect of Financial Knowledge, Financial Self-Efficacy, and Locus of Control both partially and simultaneously on Islamic Financial Behavior in Generation Z in DKI Jakarta. This type of research is quantitative with a causality approach. The method used in sampling is purposive sampling. The partial test shows that the financial knowledge variable has a positive and significant effect on Islamic financial behavior, financial self-efficacy has a positive and significant effect on Islamic financial behavior, and locus of control has a positive and significant effect on Islamic financial behavior. The results of this study  indicate that financial knowledge, financial self-efficacy, and locus of control simultaneously have a positive and significant effect on Islamic financial behavior.
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 : UNIVERSITAS ISLAM NEGERI 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. Keywords: Muslimahpreneur; post-pandemic recovery; sharia-compliant finance; legal accessibility; spiritual resilience   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. Kata kunci: Muslimahpreneur; pemulihan pascapandemi; pembiayaan syariah; aksesibilitas hukum; ketahanan spiritual
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