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All Journal I-ECONOMICS: A Research Journal on Islamic Economics E-Dimas: Jurnal Pengabdian kepada Masyarakat Jurnal Ilmiah Ekonomi Islam Dinamis : Journal of Islamic Management and Bussiness Syi'ar Iqtishadi Dialektika: Jurnal Ekonomi dan Ilmu Sosial International Journal of Zakat (IJAZ) Review of Islamic Economics and Finance Budimas : Jurnal Pengabdian Masyarakat An-Nawa : Jurnal Studi Islam Journal of Management and Islamic Finance Diponegoro Journal of Islamic Economics and Business el-Amwal At-Thullab : Jurnal Mahasiswa Studi Islam EDUCATE : Journal of Education and Culture Journal of Community Service JURDIASRA ABHATS: Jurnal Islam Ulil Albab
Mukti, Titania
Sultan Ageng Tirtayasa University
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Studi Kasus Penanganan Pembiayaan Bermasalah di Baitul Maal wa Tamwil (BMT) Hubbul Wathon pada Masa Pandemi Covid-19 Winda Hidayanti; Hesty Juan Kirana; Anisya May Yustitia; Harnum Widyaningrum; Tulasmi Tulasmi; Titania Mukti
Jurnal Ilmiah Ekonomi Islam Vol 7, No 1 (2021): JIEI : Vol. 7, No. 1, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (110.397 KB) | DOI: 10.29040/jiei.v7i1.1771

Abstract

The research is a Case Study of Troubled Financing Handling at BMT Hubbul Wathon in the Covid-19 Pandemic. The research method uses a descriptive qualitative approach. In collecting data, researchers used interview techniques with BMT about policies to deal with the economic crisis during the Covid-19 Pandemic. BMT Hubbul Wathon Sumowono is one of the non-bank syari'ah financial institutions that issues a lot of financing products, such as Mudharabah, Musyarakah, Murabahah, and Ijarah financing. In providing financing to customers, an agreement is made in the BMT institution, in which there are several provisions that must be agreed upon by both parties. During the Covid-19 Pandemic, BMT Hubbul Wathon experienced a decrease in both savings, financing and installments. In the Covid-19 Pandemic as well, problematic financing at BMT Hubbul Wathon Sumowono increased by 5% when compared to the financing provided before the Covid-19 Pandemic. Therefore, this non-bank syari'ah financial institution issued several measures or policies including maintaining liquidity, restrictions in providing financing, and also by adding new customer members.
Peran Pegadaian Syariah dalam Literasi Keuangan Syariah Tulasmi Tulasmi; Titania Mukti
Jurnal Ilmiah Ekonomi Islam Vol 6, No 2 (2020): JIEI, Vol.06, No. 02 Juli 2020
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (800.59 KB) | DOI: 10.29040/jiei.v6i2.1072

Abstract

This study aims to determine the implementation of the Indonesian National Financial Literacy Strategy (SNLKI) in the sharia pawnshop sector in Yogyakarta. The data collection technique in this study is a structured interview method that is asking q5uestions that have been prepared to the respondent, which is then recorded by the researcher. The answers to the interview questions are then called primary research data. The population of this study is all branches of sharia pawning in Yogyakarta and researchers took samples with Probability Sampling because each element of the population is homogeneous, which has the same opportunity to be chosen as the subject. The results of this study are that all sharia pawnshop unit offices have implemented programs to improve financial literacy but have not been optimal in understanding specifically the SNLKI issued by the government due to the lack of training from the center regarding the core action of SNLKI.
Pendayagunaan Zakat Pada Masa Pandemi Covid-19 Gebrina Rizki Amanda; Fatatun Malihah; Sulistiani Indriyastuti; Nur Khumairah; Tulasmi Tulasmi; Titania Mukti
Jurnal Ilmiah Ekonomi Islam Vol 7, No 1 (2021): JIEI : Vol. 7, No. 1, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (99.934 KB) | DOI: 10.29040/jiei.v7i1.1789

Abstract

At this time, the world is in an irregular and chaotic condition due to the covid-19 virus, especially in the economic sector. This resulted in the community's economy becoming paralyzed so that the income of the poor was also affected. To restore the state's condition, cooperation from various elements is needed, one of which is bias through zakat management institutions. The optimal utilization and management of zakat will help the community besides that the distribution is carried out appropriately and paying attention to the receiving groups so that the utilization is right on target. This research was conducted to analyze how the mechanism and implementation of zakat distribution in the response to the Covid-19 pandemic. The method used in this research is the literature study method. The literature study in this research is technical literature and non-technical literature. The results of the literature study can be used as input and a basis in explaining how the mechanism and implementation of zakat distribution in the response to a pandemic. Based on the analysis, BAZNAS has distributed zakat funds to three sectors, namely the health emergency sector, the socio-economic emergency sector, and the existing program sustainability sector. Not only that, BAZNAS and the Ministry of Religion also helped preachers who were affected by the Covid-19 virus. In the results of this analysis, it can be concluded that the handlers of zakat implementation in handling Covid 19 have a very big influence. The total distribution of funds for the three sectors reached Rp. 7,578,461,063. This zakat fund distribution is only valid in April, May, and June 2020.
Dampak Pandemi Covid-19 Terhadap Nilai Harga Saham Syariah di Indonesia Hasya Mazaya Lathifah; Dewi Santi Febrianti; Anisa Putri Utami; Atiqah Athi Ulhaq; Tulasmi Tulasmi; Titania Mukti
Jurnal Ilmiah Ekonomi Islam Vol 7, No 1 (2021): JIEI : Vol. 7, No. 1, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (157.907 KB) | DOI: 10.29040/jiei.v7i1.1772

Abstract

COVID-19 Pandemic has brought several direct impacts in Indonesia to make every sector decrease especially in Capital Market since March 2020. COVID-19 is the main impact that affected to decrease the value of ICI in every sector on the stock exchange. However, there is a sector that seems capable to survive during the Pandemic, which is the consumer goods industry sector. One of the successful sectors coming from the consumer goods industry sector is the pharmacy business sector (INAF and KAEF). The research aims to analyze INAF and KAEF stocks during the Pandemic, whether both stocks can survive or not by using a various approach such as global economy, the impact of foreign and domestic policies, the effect of PSBB (Large-scale Social Restrictions), also the lockdown which being held in March-December. The method that is used is qualitative, as the data were collected from ISE (Indonesia Stock Exchange) and Yahoo Finance. The result of this research shows that INAF and KAEF stocks can survive and highly increase the stock price during the COVID-19 Pandemic.
Penyuluhan Literasi Bagi Ibu-Ibu PKK Guna Mengurangi Ketergantungan Anak Pada Produk Gawai. Tulasmi Tulasmi; Titania Mukti; Ryan Yuniawan; Vira Prajna Cantika
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol 3, No 2 (2021): BUDIMAS : VOL. 03 NO. 02, 2021
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v3i2.3027

Abstract

Literacy is a process that starts from reading interest, then reading habit, reading ability. The existence of gadget products that were originally used to help human activities turned out to have a negative impact. Nowadays, children's dependence on gadget products has become a social problem that often occurs. This can be seen in the initial survey before the literacy counseling was held in Jenengan Hamlet, Tempel, Sleman, DIY. The habit of children interacting with digital technology such as smart phones begins to lead to negative dependence. This service program is designed using lecture and discussion methods about the importance of literacy and prevention of children's dependence on gadget products. After attending the counseling, it was found that the Wilcoxon test results on the participants' pre-test and post-test scores showed an asymp.sig value of 0.000 which means that there is a significant difference between the literacy of the PKK women in Jenengan village before the training and after the training. with a positive mean value of pre-test and post-test is 19 which indicates that the training that has been implemented has succeeded in increasing the majority of the trainees.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NASABAH BANK SYARIAH TETAP MENGGUNAKAN BANKKONVENSIONAL (DUALISME AKUN) Titania Mukti; Tulasmi Tulasmi
At-Thullab : Jurnal Mahasiswa Studi Islam Vol. 2 No. 2 (2020): Ahwal syakhshiyah, Pendidikan Agam Islam, Ekonomi Islam
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/tullab.vol2.iss2.art10

Abstract

Tujuan penelitian ini untuk menganalisis faktor-faktor yang mempengaruhi keputusan nasabah bank syariah tetap menggunakan bank konvesional atau memiliki dualisme rekening bank. Beragamnya latar belakang seperti usia dan tingkat pendapatan dapat mempengaruhi keputusan nasabah untuk memiliki dualisme akun perbankan. Selain itu faktor internal dan eksternal juga dapat mempengaruhi keputusan seseorang memilih menggunakan dualisme jenis bank. Lokasi penelitian adalah Universitas Islam Indonesia, Yogyakarta. Penelitian ini merupakan penelitian kuantitatif dengan metode analisis data menggunakan analisis faktor. Penelitian ini menggunakan data primer melalui kuesioner dengan skala linkert. Populasi penelitian ini adalah mahasiswa Universitas Islam Indonesia yang berjumlah 21.248 mahasiswa. Penarikan sampel pada penelitian ini menggunakan teknik non probability sampling yaitu dengan metode purposive sampling sejumlah 108 responden. Hasil penelitian menunjuan bahwa terdapat enam faktor yang terbentuk dari variabel penelitian seperti popularitas, hubungan dengan orang terdekat, kewajiban terhadap suatu instansi, orientasi keuntungan, religius stimuli, tangibles, reliability, responsiveness, assurance, dan empaty. Berbagai variabel tersebut dapat mempengaruhi nasabah untuk menggunakan dualisme rekening bank.
DETERMINAN LOYALITAS NASABAH DALAM MENGGUNAKAN PRODUK DAN LAYANAN DIGITAL DI BANK SYARIAH INDONESIA Titania Mukti; Dini Puspitasari; Nur Kholis
At-Thullab : Jurnal Mahasiswa Studi Islam Vol. 4 No. 1 (2022): Ahwal syakhshiyah, Pendidikan Agam Islam, Ekonomi Islam
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/tullab.vol4.iss1.art6

Abstract

Penelitian ini bertujuan untuk mengetahui determinan yang mempengaruhi loyalitas nasabah dalam menggunakan produk dan layanan digital di Bank Syariah Indonesia. Faktor-faktor tersebut dikerucutkan menjadi enam faktor, yaitu kualitas layanan, kepuasan nasabah, kepercayaan nasabah, komitmen nasabah, switching cost, dan religiusitas. Penelitian ini merupakan penelitian kuantitatif deskriptif dengan sampel yang diambil melalui purposive sampling sebanyak 158 responden yang merupakan nasabah Bank Syariah Indonesia. Metode penelitian yang digunakan dalam penelitian ini adalah non-probability sampling menggunakan analisis SEM dengan aplikasi AMOS 22. Hasil dari penelitian menunjukan bahwa persepsi kualitas layanan berpengaruh signifikan terhadap kepuasan nasabah dengan nilai koefisien standardized regression weight sebesar 10,038; kepuasan nasabah berpengaruh signifikan terhadap komitmen nasabah dengan nilai koefisien standardized regression weight sebesar 0,569; kepercayaan berpengaruh signifikan terhadap komitmen nasabah dengan nilai koefisien standardized regression weight sebesar 0,195; komitmen berpengaruh signifikan terhadap loyalitas nasabah dengan nilai koefisien standardized regression weight sebesar 0,218; kepuasan nasabah berpengaruh signifikan terhadap loyalitas nasabah dengan nilai koefisien standardized regression weight sebesar 0,305. Switching cost berpengaruh signifikan terhadap loyalitas nasabah dengan nilai koefisien standardized regression weight sebesar 0,261; religiusitas berpengaruh signifikan terhadap loyalitas nasabah dengan nilai koefisien standardized regression weight sebesar 0,252. Secara simultan menunjukan bahwa kualitas layanan, kepuasan nasabah, kepercayaan nasabah, komitmen nasabah, switching cost dan religiusitas nasabah mempengaruhi loyalitas nasabah di Bank Syariah Indonesia.
STRATEGIES FOR BUILDING MILLENNIAL GENERATION HOUSES WITH SHARIA FINANCIAL PLANNING Titania - Mukti; Nur Zidta Oktarinanda
At-Thullab : Jurnal Mahasiswa Studi Islam Vol. 5 No. 2 (2023): Special Issue
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/tullab.vol5.iss2.art13

Abstract

Millennials generation find it difficult to own a home because of their consumptive lifestyle and houses have prices that are getting more expensive over time that are disproportionate to their income. In fact, many of them are desperate to buy a house with a credit system with high interest and and that credit has a repayment period up to tens of years, even though this can trigger financial problems. Therefore, this study aims to explain that Islamic financial planning give solution strategies to young people with low incomes can realize to owning their dream house without usury. This type of research is qualitative research with literature study method. The results of this study explain the design of a strategy in managing the income of a young couple for consumption needs, paying for temporary house rent, paying for electricity, water, wifi, emergency funds and investing in sharia instruments namely gold investment. Gold is resistant to inflation. The gold investment strategy of one gram per month can be collected for seven years which can be used to start building a dream house. This research is complemented by a strategy for choosing suitable land to live in and a strategy for building houses with gradual progress for seven years.
Determinants of Muzaki Satisfaction in Banten Province, Indonesia Mukti, Titania; Mahfud, Alvin; Pratama, Amelia; Aliani, Ani
International Journal of Zakat Vol 9 No Special (2024): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v9iSpecial.518

Abstract

This study examines the variables that impact the satisfaction of muzaki who pay zakat to BAZNAS Banten Province through the utilization of multiple linear regression. A purposive sample method is employed to select 100 respondents from the population of the Muslim community in Banten. A direct association is observed among the variables under the examination, i.e., the quality of amil services, the facilities offered by BAZNAS Banten, the perceived efficacy of zakat distribution, and muzakki satisfaction. Practical implication is derived from this finding for zakat institutions.
Mapping the Evolution of Sharia Financial Literacy and Behavior: A Bibliometric Analysis from 1990 to 2023 Mukti, Titania
Review of Islamic Economics and Finance Vol 7, No 1 (2024): Revıew of Islamic Economics and Finance (RIEF): May 2024
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v7i1.67939

Abstract

Purpose –The rapid development of research on Sharia financial literacy and financial behavior is not in line with the slow development of Indonesia's Sharia financial literacy index and Sharia financial behavior. Thus, it is necessary to conduct an evaluation that can map previous research and determine the direction of future research development. This study aims to determine the trend and direction of the development of Sharia financial literacy research and Sharia financial behavior and to identifying emerging trends in Sharia financial literacy and behavior.Methodology - The methodology used bibliometric analysis. This research uses 1990-2023 data with the keywords: financial literacy, Sharia financial literacy, sharia financial literacy, digital financial literacy, financial behavior, sharia financial behavior, Sharia financial behavior, investment behavior, saving behavior, sharia financial decisions, and financial decisions. Data searching with Indonesian and English in Google Scholar. Research analysis using VOSViewer.Findings - The results obtained 49,162 documents with 11 clusters of research trends in Sharia financial literacy and Sharia financial behavior. The author who contributed the most to producing works was Annamaria Lusardi, with 258 research documents. The most frequently used keywords are financial literacy, investment behavior, consumer behavior, and financial decision. The direction of research for future research developments can choose to use the keywords Sharia financial literacy, sharia financial literacy, digital financial literacy, saving behavior, consumer behavior, investment behavior, and sharia financial decisions. Keywords: Sharia Financial Literacy, Sharia Financial Behavior, Bibliometric Studies.
Co-Authors Affandi, Muhammad Ahyakudin Aliani, Ani Andriyanto, Gian Anggraeni Andriyanto, Gian Anggraeni Anisa Putri Utami Anisya May Yustitia Aprilia, Aida Artanti, Sazkhia Atiqah Athi Ulhaq Awaliyah, Dillah Awaliyah, Siti Uswatun Dewi Santi Febrianti Dini Puspitasari Diqbal Satyanegara Fatatun Malihah Fazzari, Tajul Gebrina Rizki Amanda Harnum Widyaningrum Hasya Mazaya Lathifah Hendrawan Syafrie Hesty Juan Kirana Ika Arinia Indriyany Kurniawan, Ogi Mahfud, Alvin Nana Nofianti, Nana Nufus Kanani Nur Kholis Nur Khumairah Nur Zidta Oktarinanda Nurbaeti, Feby Nurfaiza, Ratu Fathia Nurul Fadhilah Pratama, Amelia Regina, Imelda Ryan Yuniawan Safri, Rahmat Shabrina, Firnanda Maulidya Sujai Sujai, Sujai Sulistiani Indriyastuti Tri Wahyudi Tri Wahyudi Wahyudi Tulasmi Tulasmi Vira Prajna Cantika Virki, Aulia Zahirah Winda Hidayanti Yulianti, Alifia Hanin