Article Per Year (5 Year)
p-Index From 2020 - 2025
1.633
P-Index
This Author published in this journals
All Journal Jurnal Ekonomi Syariah Teori dan Terapan Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Islamic Economics and finance in Focus (IEFF)
Ika Khusnia Anggraini
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

Published : 9 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 9 Documents
Search

 1 
PENGARUH HALAL AWARENESS, HARGA, DAN IKLAN TERHADAP KEPUTUSAN PEMBELIAN KOBER MIE SETAN DI SURABAYA Az-Zahra, Narisa; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 2 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2023.02.02.10

Abstract

Indonesia's Muslim population reaches 86.9% of the total population who in their daily life must carry out consumption. As an Islamic consumer, principles must be implemented in order to achieve blessings, such as consuming products that are guaranteed to be halal. The government has set a target for halal food in Indonesia to be number one in the world by 2023. The current condition is that there are still many products that do not have a halal label, such as Kober Mie Setan, but sellers provide advertisements and the prices are relatively cheap. Therefore, consumers are willing to queue to buy the food because of the unusual naming of the menu. The purpose of this study was to determine the effect of halal awareness, price, and advertising on purchasing desicion at Kober Mie Setan in Surabaya. This research is a quantitative study using the PLS-SEM analysis technique. The results show that halal awareness has no significant effect on purchasing decisions for Kober Mie Setan in Surabaya. Prices and advertising partially have a significant effect on purchasing decisions for Kober Mie Setan in Surabaya
ANALISIS PENGARUH PEMBIAYAAN MURABAHAH, MUDHARABAH, DAN MUSYARAKAH TERHADAP PROFITABILITAS BCA SYARIAH DENGAN PERAN COVID-19 SEBAGAI VARIABEL MODERASI Hanifah Ishma Hanani; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 3 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2024.03.02.03

Abstract

The COVID-19 pandemic which ended in early 2023 affected many sectors throughout the world. Apart from the health sector, Islamic banking also experienced shocks. The problem to be studied in this research is the influence of murabahah, musyarakah and mudharabah financing on the profitability of BCA Syariah by including the role of Covid-19. The aim of this research is to obtain answers to whether these three types of financing partially affect BCA Syariah's profitability, whether the Covid-19 pandemic indirectly affects BCA Syariah's profitability or vice versa. Data analysis uses Moderated Regression Analysis (MRA) because it also considers the role of Covid-19 in this research. Based on the output of this research, the conclusion is that murabahah does not affect BCA Syariah's profitability, unlike mudharabah and musyarakah financing which contribute to increasing BCA Syariah's profitability. The Covid-19 pandemic variable moderates the influence of murabahah and musyarakah financing. However, the pandemic does not affect mudharabah financing activities at BCA Syariah.
ANALISIS PENGARUH EFISIENSI BIAYA, STRUKTUR PEMODALAN, DAN KUALITAS ASET SERTA TINGKAT INFLASI TERHADAP PROFITABILITAS BANK UMUM SYARIAH PERIODE 2013 – 2022 (Studi kasus pada bank umum syariah KBMI III) Fajri, Muhammad; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.05

Abstract

Banking is one of the vital sectors that plays a role in the economic of a country. Bank Muamalat, Bank Panin Dubai Syariah, Bank BTPN Syariah, and Bank Mega Syariah are the four islamic banks in Indonesia, which have the opportunity to enchance their contriution to syariah product services to the Indonesian people. This study aims to analyze the influence of BOPO, NPF, CAR and Infation on ROE at Bank Muamalat, Bank Panin Dubai Syariah, Bank BTPN Syariah, and Bank Mega Syariah for the period 2013-2022. The method used in this research is quantitative with secondary data sourced from the official company website. Data is processed using panel data regression analysis. The results of this study indicate that BOPO, NPF, CAR, and Inflation simultaneously have a significant impact on ROE.
ANALISIS EFEKTIVITAS DAN EFISIENSI PENGELOLAAN DANA ZAKAT PADA ORGANISASI PENGELOLA ZAKAT DI INDONESIA Muhammad Ziadatul Khaq; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 3 No. 4 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2024.03.04.06

Abstract

Poverty is one of the unresolved problems in Indonesia. This problem should be overcome, one of the ways, is through Islamic philanthropy, especially zakat. The gap between the potential and realization of zakat, the less than optimal performance of zakat institutions has resulted in low public trust so that supervision is needed by various parties so that zakat can be managed well. Therefore, this research aims to analyze the effectiveness and efficiency of zakat fund management performance in Zakat Management Organizations (OPZ) in Indonesia. This type of research is descriptive quantitative research that uses the ACR (Allocation to Collect Ratio) method to measure effectiveness and the DEA (Data Envelopment Analysis) method to measure efficiency. The data is in the form of secondary data originating from the annual financial reports of BAZNAS, Dompet Dhuafa, and Rumah Zakat from 2018 to 2021. The results of the study show that in general the three OPZs received high effectiveness and efficiency scores. BAZNAS is the most effective OPZ and Rumah Zakat is the most efficient OPZ. So it can be used as the main reference for other OPZs in efforts to improve the performance of zakat management in Indonesia.
An Analysis of The Effects of Service Features, Halal Awareness, And Underst Anding About Islamic Consumption on Purchase Decisions Fauzi, Muhammad Fiqri; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2025.04.1.13

Abstract

The rapid growth of technology has had a significant impact on consumer behavior, especially among Generation Z, who tend to use e-commerce platforms as one of the main means of shopping. In Malang City, according to the 2020 population census, Generation Z dominates, comprising 26% of the total population. This research aims to determine the influence of service features, halal awareness, and understanding of Islamic consumption on the purchasing decisions of Generation Z in Malang City on the Shopee e-commerce platform. The research method employs descriptive quantitative methods with data collection techniques through the distribution of questionnaires to 100 research samples. The test results indicate that simultaneously, the variables of service features, halal awareness, and understanding of Islamic consumption significantly influence purchasing decisions on the Shopee e-commerce platform by Generation Z in Malang City.   Abstrak Pesatnya pertumbuhan teknologi memberikan dampak yang signifikan terhadap perilaku konsumen, terutama di kalangan Generasi Z yang cenderung menggunakan platform e-commerce sebagai salah satu sarana utama berbelanja. Di Kota Malang, menurut sensus penduduk tahun 2020, Generasi Z mendominasi dengan jumlah 26% dari total penduduk. Penelitian ini bertujuan untuk mengetahui pengaruh fitur layanan, kesadaran halal, dan pemahaman konsumsi Islami terhadap keputusan pembelian Generasi Z di Kota Malang pada platform e-commerce Shopee. Metode penelitian yang digunakan adalah metode deskriptif kuantitatif dengan teknik pengumpulan data melalui penyebaran kuesioner kepada 100 sampel penelitian. Hasil pengujian menunjukkan bahwa secara simultan variabel fitur layanan, kesadaran halal, dan pemahaman konsumsi Islami berpengaruh signifikan terhadap keputusan pembelian pada platform e-commerce Shopee oleh Generasi Z di Kota Malang.
The Impact of Halal Certification, Halal Label, and Price on Consumer Purchase Decisions for Dimsum Uma Yumcha Akbar, Naufal; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2025.04.1.09

Abstract

Global consumption of halal products reached US$2.2 trillion in 2018 and is projected to reach US$3.2 trillion by 2024, driving the ongoing growth of the Indonesian food and bavarage industry. However, the concept of halal is still not well understood by the Indonesian public. As a result, checking the halal status of products in the market, including halal food, is important. Due to its diverse consumption potential, Malang City was chosen as the research location because it is known for its halal education and tourism. The purpose of this study is to examine how halal certification, halal labels, and halal prices affect consumers' purchasing decisions. A questionnaire was used to collect data for this quantitative study. Consumers of  Uma Yumcha Dimsum in Malang City were surveyed using purposive sampling technique in this study. Data analysis in this study was conducted using binary logistic regression. The study found that consumers were most influenced by halal certification, halal labels, and price when all three were considered simultaneously. Halal certification does not show a significant impact on purchasing decisions, while the halal label has a positive and significant influence. Price also shows a positive and significant effect on the purchasing decisions of Dimsum Uma Yumcha in Malang City.. The results of this study are that halal certification, halal labels, and prices should be the main focus for business actors to influence consumer purchasing decisions, especially Muslims.   Abstrak Konsumsi global produk halal mencapai 2,2 triliun US dollar pada tahun 2018 dan diperkirakan menyentuh angka 3,2 triliun US dollar pada tahun 2024, mendorong pertumbuhan industri makanan dan minuman Indonesia yang sedang berlangsung. Meskipun demikian, konsep halal masih belum dipahami dengan baik oleh masyarakat Indonesia. Akibatnya, memeriksa status kehalalan produk di pasaran, termasuk makanan halal, menjadi penting. Karena potensi konsumsinya yang beragam, Kota Malang dipilih sebagai lokasi penelitian karena dikenal dengan pendidikan dan wisata halalnya. Tujuan dari penelitian ini adalah untuk menganalisis bagaimana sertifikasi halal, label halal, dan harga memengaruhi keputusan konsumen dalam membeli. Dalam penelitian kuantitatif ini, data dikumpulkan melalui kuesioner. Konsumen Dimsum Uma Yumcha di Kota Malang disurvei menggunakan teknik purposive sampling. Analisis data dilakukan dengan regresi logistik biner. Temuan penelitian menunjukkan bahwa konsumen paling terpengaruh oleh sertifikasi halal, label halal, dan harga ketika ketiga faktor tersebut dipertimbangkan secara bersamaan. Sertifikasi halal tidak menunjukkan pengaruh signifikan terhadap keputusan pembelian, sementara label halal memberikan pengaruh positif dan signifikan. Harga juga menunjukkan pengaruh positif dan signifikan terhadap keputusan pembelian Dimsum Uma Yumcha di Kota Malang. Oleh karena itu, penelitian ini menyimpulkan bahwa sertifikasi halal, label halal, dan harga perlu menjadi perhatian utama bagi pelaku usaha untuk memengaruhi keputusan pembelian konsumen, terutama di kalangan umat Islam.
Determinan Keputusan Nasabah dalam Memilih Produk Tabungan Easy Wadiah pada Bank Syariah Indonesia Wafia Multazima; Ika Khusnia Anggraini
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i8.7996

Abstract

This research aims to analyze service quality, consumer knowledge, religiosity and location on customer decisions in choosing Wadiah Bank Syariah Indonesia savings products in East Java Province. This research uses quantitative methods with SEM-PLS analysis. The data collection method is through distributing questionnaires, which are measured using a Likert Scale. The population in this research is people who have easy wadiah savings in East Java Province. The research results show that the variables of service quality, consumer knowledge and religion have a significant positive effect on consumer decisions, while the location variable does not have a significant effect on consumer decisions
Determinants of the Intention of Generation Z and Millennials to Use Mudarabah Savings at Bank Syariah Indonesia (BSI) Muhammad Abdu Robbih; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2025.04.2.04

Abstract

Generation Z and Millennials represent a dominant segment of the population with significant potential to drive the growth of the Islamic banking market in Indonesia. This group also demonstrates a strong demand for Sharia-compliant financial products. However, limited research has been conducted to examine the determinants of public interest in mudharabah savings at Bank Syariah Indonesia (BSI), particularly in Malang City. This study aims to analyze the influence of three variables religiosity, income, and Islamic financial literacy on the interest of Generation Z and Millennials in saving through mudharabah at Bank Syariah Indonesia (BSI). A quantitative approach was employed using a survey method involving respondents residing in Malang City. Data analysis was conducted using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with the SmartPLS 4 application. The results indicate that religiosity and Islamic financial literacy have a positive and significant influence on saving interest. In contrast, income does not have a significant impact on the interest of Generation Z and Millennials in saving at BSI. These findings are expected to serve as a valuable reference for Bank Syariah Indonesia (BSI), the government, and academics in designing strategies to enhance youth participation in mudharabah savings products.
The The Impact of Profit-Sharing and Sale-Based Financing on Islamic Bank Stability Pramesti, Cindy Astuti; Ika Khusnia Anggraini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 11 No. 3 (2024): Agustus-2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol11iss20243pp254-267

Abstract

This study analyzes The Effects of Profit Sharing-Based Financing and Trade on the Stability of islamic banks in Indonesia. Bank stability is measured using Return On Aset (ROA) and Capital Adequancy Ratio (CAR) processes. The aim is to analyze the type of financing that contributes the most to the stability of islamic banks. This study uses quantitative methods with Vector Autoregression time series regression analysis on monthly data from January 2016 - June 2023 that obtained from Otoritas Jasa Keuangan (OJK) Islamic Banking Statistics. The results showed that profit sharing financing has a significant positive effect in the short and long term, while trade financing has a significant negative impact in the short term but does not significant effect in the long term on the stability of islamic banks. Based on these findings, it can be concluded that the stability of islamic banks is highly vulnerable to changes in profit sharing financing.
Co-Authors Akbar, Naufal Az-Zahra, Narisa Fauzi, Muhammad Fiqri Hanifah Ishma Hanani Muhammad Abdu Robbih Muhammad Fajri Muhammad Ziadatul Khaq Pramesti, Cindy Astuti Sindi Eka Nuraini Wafia Multazima