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All Journal Jurnal QIEMA (Qomaruddin Islamic Economics Magazine) Abdimas Indonesian Journal Jurnal Ekonomi Syariah Al-Muzdahir: Jurnal Ekonomi Syariah Amal: Jurnal Ekonomi Syariah
Niswatun Hasanah
Universitas Qomaruddin
Religion Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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PREFERENSI AGAMA DAN INKLUSI KEUANGAN ISLAM Niswatun Hasanah
Jurnal Qiema (Qomaruddin Islamic Economics Magazine) Vol. 9 No. 2 (2023): Agustus
Publisher : LPPM Institut Agama Islam Qomaruddin Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/qiema.v9i2.4056

Abstract

ABSTRACT The relationship between religious preference and financial inclusion in a number of countries around the world still raises questions. Whether religious preference can increase Islamic financial inclusion is the question that this paper seeks to answer. This article attempts to examine four articles on religious preference and Islamic financial inclusion. This research is a library research, using data in the form of books, articles, and the like. Data analysis used is the method of content analysis (content analysis). The content analysis method is used to determine the extent to which religious preferences increase Islamic financial inclusion. The results of the study show that on the one hand religiosity can affect financial inclusion in various states of the United States of America (US) and in various countries globally. However, higher levels of religiosity are negatively correlated with use of financial services across all levels of society. However, on the other hand, there is a significant relationship between one's level of religiosity and one's reasons for saving at an Islamic financial institution. In addition, Islamic financial inclusion is not only driven by religious factors, but also supported by technological sophistication, literacy, political commitment, regulations, and so on. In Indonesia, Islamic financial inclusion, which is still low, can be increased through optimizing the role of Islamic boarding schools with the kiai or ulema as the central figure. Keyword: Religious Preference, Inclusion, Islamic Finance ABSTRAK Hubungan preferensi agama dengan inklusi keuangan di sejumlah negara di dunia masih menimbulkan tanda tanya. Apakah prefensi agama dapat meningkatkan inklusi keuangan Islam adalah pertanyaan yang ingin dijawab dalam tulisan ini. Artikel ini mencoba menelaah empat artikel tentang preferensi agama dan inklusi keuangan Islam. Penelitian ini merupakan penelitian kepustakaan (library research), dengan menggunakan data berupa buku, artikel, dan sejenisnya. Analisis data yang digunakan adalah metode analisis isi (content analysis). Metode analisis isi digunakan untuk mengetahui sejauh mana preferensi agama dalam meningkatkan inklusi keuangan Islam. Hasil penelitian menujukkan bahwa di satu sisi religiusitas dapat memengaruhi inklusivitas keuangan di berbagai negara bagian Amerika Serikat (AS) dan di berbagai negara secara global. Akan tetapi, tingkat religiusitas yang lebih tinggi berkorelasi secara negatif dengan penggunaan layanan keuangan di seluruh lapisan masyarakat. Namun, di sisi lain terdapat hubungan signifikan antara tingkat religiusitas seseorang dan alasan seseorang menabung di lembaga keuangan syariah. Selain itu, inklusi keuangan Islam tidak hanya didorong oleh faktor agama, tetapi juga ditopang oleh kecanggihan teknologi, literasi, komitmen politik, regulasi, dan lain sebagainya. Di Indonesia, inklusi keuangan Islam yang masih rendah, dapat ditingkatkan melalui optimalisasi peranan pesantren dengan tokoh sentralnya kiai atau ulama. Kata kunci: Preferensi Agama, Inklusi, Keuangan Islam
Investasi Wakaf Melalui Cash Waqf Linked Sukuk Ritel Untuk Lingkungan Hijau Niswatun Hasanah
AMAL: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Desember
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v7i2.10877

Abstract

Issues concerning environmental sustainability and environmental health were discussed at the 2022 G20 Summit. Seven priority issues were identified in the Environmental Deputies Meeting (EDM) and three in the Climate Sustainability Working Group (CSWG). Consequently, most countries are currently seeking creative financial solutions to address these issues. One instrument for linking environmental commitments with sustainable government financing is sustainability-linked bonds (SLB).This study aims to identify a model for implementing the mauquf 'alaih (implied) yield series of CWLS for green environmental programs.The method used in this article is a qualitative approach with explanatory analysis using secondary data. Data collection was conducted through journal articles previously searched through Publish or Paris.This article focuses on two issues: Green Sukuk in Indonesia and CWLS for green environmental programs. Several CWLS Series that have been published by the Ministry of Finance, there is the CWLS SWR003 series whose social programs are implemented for a green environment, namely energy security programs and environmental programs that support each other with health programs such as sanitation. This energy security program has been programmed by nadzir (YPM Salman ITB in the form of "Installation of Solar Panels at the Salman ITB Mosque" and a social program for environmental health in the form of Sanitation for the Community (SAUM).
ANALISIS POTENSI EKONOMI DAN RELEVANSI SYARIAH DALAM BISNIS LAHAN MAKAM PREMIUM Nurul Kharisma; Niswatun Hasanah
Jurnal Ekonomi Syariah Darussalam Vol. 7 No. 1 (2026): Februari 2026
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v7i1.5211

Abstract

This study aims to analyze the compliance of Al-Azhar Memorial Garden's business practices in light of the MUI Fatwa Number 09 of 2014 concerning the Purchase and Sale of Graveyards, as well as its implications for socio-economic distributive justice. The research method employed is descriptive qualitative with a juridical-normative approach and an Islamic socio-economic approach. Data were collected through the documentation study of fatwa texts, waqf regulations, and publication data regarding the management of the research object. The results indicate that in terms of physical worship, Al-Azhar Memorial Garden has strived to comply with sharia provisions and the MUI Fatwa by maintaining the simplicity of the grave structure (grass lawns without grand monuments). However, from the perspective of muamalah and distributive justice, this high-tariff commercialization scheme potentially violates the principle of Hifzh al-Mal due to its proximity to israf (extravagance) and creates spatial exclusivity amidst the urban land emergency. This study recommends the optimization of productive waqf instruments as a cross-subsidy solution to achieve more inclusive and socially just burial access. Keywords: Cemetery Commercialization, MUI Fatwa, Maqashid Shariah
Pengenalan Literasi Keuangan Digital Pada Generasi Z di SMK Assa’adah Bungah Gresik M. Nasyah Agus Saputra; KH. Muhammad Alauddin; Dwi Afrianti; Niswatun Hasanah; Fri Haendid Alfiyan; Martha Hermina Zaytun
Abdimas Indonesian Journal Vol. 4 No. 2 (2024)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/aij.1545

Abstract

The rapid development of financial technology has intensified the use of digital financial services among Generation Z. However, this trend is not fully accompanied by adequate financial management capabilities, resulting in a gap between technological access and financial literacy. This community service activity aims to enhance digital financial literacy among twelfth-grade students at SMK Assa’adah Bungah Gresik in order to foster rational, adaptive, and long-term financial behavior. The study employs an educational and participatory approach through the delivery of instructional materials, interactive discussions, and experience-sharing activities involving university students as facilitators of contextual learning. The findings indicate that although students demonstrate a high level of familiarity with digital financial services, their understanding remains largely limited to technical aspects and has not fully encompassed conceptual dimensions such as financial planning and the control of consumptive behavior. Post-activity evaluation reveals an improvement in students’ financial understanding and awareness. These results confirm that the educational and participatory approach is effective in bridging the gap between the use of financial technology and financial management capabilities. Overall, this activity contributes to strengthening the financial readiness of vocational high school students as part of Generation Z in facing the challenges of the digital economy and highlights the importance of developing sustainable, contextual, and experience-based digital financial literacy programs.
Analisis Kerjasama Bagi Hasil Petani Tambak pada Akad Muzara'ah (Studi Kasus pada Petani Tambak di Desa Tajung Widoro, Kecamatan Bungah, Kabupaten Gresik) Nuzulus Sakinah; Muhammad Ala'uddin; Niswatun Hasanah
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 8 No. 2 (2026): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v8i2.3384

Abstract

The profit-sharing cooperation practice in pond farming in Tajung Widoro Village, Bungah District, Gresik Regency, has been carried out for generations and is based on verbal agreements without written contracts. This study aims to describe the mechanism of profit-sharing cooperation among fish pond farmers and to analyze its conformity with the muzara'ah contract. The research employed a qualitative approach with a descriptive-analytical research type, using in-depth interviews with pond owners, pond managers, a community leader, and a religious leader, supported by direct field observation. The findings indicate that the profit-sharing cooperation in Tajung Widoro Village is conducted verbally with profit-sharing ratios of 75:25 and 90:10. All production capital is borne by the pond owners, and there is a practice known as Welasan, a voluntary contribution given to managers when crop failure occurs. Overall, the practice fulfills the pillars and conditions of the muzara'ah contract according to the perspective of Islamic jurisprudence (fiqh muamalah), while Welasan is best understood as a form of shadaqah reflecting social concern and mutual assistance (ta'awun) within the pond farming community
Co-Authors Dwi Afrianti Fri Haendid Alfiyan KH. Muhammad Alauddin M. Nasyah Agus Saputra Martha Hermina Zaytun Muhammad Ala'uddin Nurul Kharisma Nuzulus Sakinah